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5%, otro financiamiento en el IBK con amortizaciones fijas bimestrales y una TEC del 7% y una tercera opción e
una TET del 12%. Si el prestamo es S/. 30 000.00 en un tiempo total de 18 meses. Presente los cronogramas de
SUSTENTO: Según presentado el cronograma de pago de los 3 metodos la mejor opción para Maria es BCP porq
BCP
PRESTAMO 30,000.00
PERIODO DE PAGO bimestral
TES 5%
TEB 1.64%
TIEMPO TOTAL 18
# DE CUOTAS 9
CUOTA 3,612.53
FRC 0.12
N° AMORTIZACION INTERES
0
1 S/3,120.64 S/491.89
2 S/3,171.81 S/440.72
3 S/3,223.81 S/388.72
4 S/3,276.67 S/335.86
5 S/3,330.40 S/282.13
6 S/3,385.00 S/227.53
7 S/3,440.50 S/172.03
8 S/3,496.92 S/115.61
9 S/3,554.25 S/58.28
TOTAL S/30,000.00 S/2,512.77
IBK
PRESTAMO 30,000.00
PERIODO DE PAGO bimestral
TEC 7%
TEB 3.44%
TIEMPO TOTAL 18
# DE CUOTAS 9
AMORTIZACION 3,333.33
N° AMORTIZACION INTERES
0
1 S/3,333.33 S/1,032.24
2 S/3,333.33 S/917.55
3 S/3,333.33 S/802.85
4 S/3,333.33 S/688.16
5 S/3,333.33 S/573.47
6 S/3,333.33 S/458.77
7 S/3,333.33 S/344.08
8 S/3,333.33 S/229.39
9 S/3,333.33 S/114.69
TOTAL S/30,000.00 S/5,161.21
BBVA
PRESTAMO 30,000.00
PERIODO DE PAGO mensual
TET 12%
TEM 3.85%
TIEMPO TOTAL 18
# DE CUOTAS 18
INTERES 1,154.96
N° AMORTIZACION INTERES
0
1 S/0.00 S/1,154.96
2 S/0.00 S/1,154.96
3 S/0.00 S/1,154.96
4 S/0.00 S/1,154.96
5 S/0.00 S/1,154.96
6 S/0.00 S/1,154.96
7 S/0.00 S/1,154.96
8 S/0.00 S/1,154.96
9 S/0.00 S/1,154.96
10 S/0.00 S/1,154.96
11 S/0.00 S/1,154.96
12 S/0.00 S/1,154.96
13 S/0.00 S/1,154.96
14 S/0.00 S/1,154.96
15 S/0.00 S/1,154.96
16 S/0.00 S/1,154.96
17 S/0.00 S/1,154.96
18 S/30,000.00 S/1,154.96
TOTAL S/30,000.00 S/20,789.36
nes: un financiamiento en el BCP con cuotas fijas Bimetrales y una TES del
el 7% y una tercera opción en el BBVA con intereses fijos mensuales a
Presente los cronogramas de pago y sustente la mejor opción.
pción para Maria es BCP porque ofrece menor tasa interes y cuota accesible
METODO FRANCES
CUOTA SALDO
S/30,000.00
S/3,612.53 S/26,879.36
S/3,612.53 S/23,707.56
S/3,612.53 S/20,483.74
S/3,612.53 S/17,207.07
S/3,612.53 S/13,876.68
S/3,612.53 S/10,491.67
S/3,612.53 S/7,051.17
S/3,612.53 S/3,554.25
S/3,612.53 S/0.00
S/32,512.77
METODO ALEMAN
CUOTA SALDO
S/30,000.00
S/4,365.57 S/26,666.67
S/4,250.88 S/23,333.33
S/4,136.19 S/20,000.00
S/4,021.49 S/16,666.67
S/3,906.80 S/13,333.33
S/3,792.11 S/10,000.00
S/3,677.41 S/6,666.67
S/3,562.72 S/3,333.33
S/3,448.03 S/0.00
S/35,161.21
METODO INGLES
CUOTA SALDO
S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/31,154.96 S/0.00
S/50,789.36
Si en el BCP me quieren dar 3 PGT y en el BBVA 6 PGP, presente los cronogramas de pago y sustente las mejor
SUSTENTO: Según presentado el cronograma de pago la mejor opción para Maria es BCP porque ofrece menor
BCP
PRESTAMO 30,000.00
PERIODO DE PAGO bimestral
TES 5%
TEB 1.64%
TIEMPO TOTAL 18
PGT 3
# DE CUOTAS 9
CUOTA 5,555.37
FRC 0.18
N° AMORTIZACION INTERES
0
1 S/0.00 S/491.89
2 S/0.00 S/499.96
3 S/0.00 S/508.15
4 S/5,038.88 S/516.49
5 S/5,121.50 S/433.87
6 S/5,205.47 S/349.89
7 S/5,290.82 S/264.54
8 S/5,377.57 S/177.79
9 S/5,465.75 S/89.62
TOTAL S/31,500.00 S/3,332.19
BBVA
PRESTAMO 30,000.00
PERIODO DE PAGO mensual
TET 12%
TEM 3.85%
TIEMPO TOTAL 18
PGP 6
# DE CUOTAS 18
CUOTA 3,168.78
N° AMORTIZACION INTERES
0
1 S/0.00 S/1,154.96
2 S/0.00 S/1,154.96
3 S/0.00 S/1,154.96
4 S/0.00 S/1,154.96
5 S/0.00 S/1,154.96
6 S/0.00 S/1,154.96
7 S/2,013.82 S/1,154.96
8 S/2,091.35 S/1,077.43
9 S/2,171.86 S/996.92
10 S/2,255.48 S/913.31
11 S/2,342.31 S/826.47
12 S/2,432.49 S/736.30
13 S/2,526.14 S/642.65
14 S/2,623.39 S/545.40
15 S/2,724.39 S/444.40
16 S/2,829.27 S/339.51
17 S/2,938.20 S/230.59
18 S/3,051.31 S/117.47
TOTAL S/30,000.00 S/14,955.20
ronogramas de pago y sustente las mejor respuesta.
CUOTA SALDO
S/30,000.00
S/0.00 S/30,491.89
S/0.00 S/30,991.85
S/0.00 S/31,500.00
S/5,555.37 S/26,461.12
S/5,555.37 S/21,339.62
S/5,555.37 S/16,134.15
S/5,555.37 S/10,843.32
S/5,555.37 S/5,465.75
S/5,555.37 S/0.00
S/33,332.19
CUOTA SALDO
S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/1,154.96 S/30,000.00
S/3,168.78 S/27,986.18
S/3,168.78 S/25,894.83
S/3,168.78 S/23,722.97
S/3,168.78 S/21,467.49
S/3,168.78 S/19,125.18
S/3,168.78 S/16,692.69
S/3,168.78 S/14,166.55
S/3,168.78 S/11,543.17
S/3,168.78 S/8,818.78
S/3,168.78 S/5,989.51
S/3,168.78 S/3,051.31
S/3,168.78 S/0.00
S/44,955.20
a. Se pide presentar los requisitos que solicitan dos b
DOCUMENTOS PRINCIPALES
Trabajador dependiente
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stema financiero.
e Riesgos de la SBS (tanto para el titular como cónyuge, de ser el caso).
ivalente en dólares