CASO: BCP

INTEGRANTES:
1. Ayasta Llaguno Alejandra Estefania
2. Conislla Matos Rodrigo Ivan
3. Cumpa Rosales Vianca Isabel
4. Roncal Rosas Rubi Cristina
5. Tejada Alayo Carlos Raul
 TREA 31.35% Tasa Desgravamen
TEA 30%
TEM 2.2104%

Vencimiento n Periocidad Dias acumulados

3/18/2023 0
4/18/2023 1 1 1
5/18/2023 2 1 2
6/18/2023 3 1 3
7/18/2023 4 1 4
8/18/2023 5 1 5
9/18/2023 6 1 6
10/18/2023 7 1 7
11/18/2023 8 1 8
12/18/2023 9 1 9
1/18/2024 10 1 10
2/18/2024 11 1 11
3/18/2024 12 1 12
12
 RENTA EN UTOPIA

0.088769% IMPORTE DESEMBOLSADO

CANTIDAD TOTAL A PAGAR
CUOTAS

Tasa Desgravamen Pago Interés

S/ -
0.978373589332501 S/ 52.37 S/ 5,651.37 S/ 1,304.16
0.957214880303361 S/ 48.51 S/ 5,651.37 S/ 1,208.07
0.93651375820488 S/ 44.57 S/ 5,651.37 S/ 1,109.85
0.916260327074179 S/ 40.54 S/ 5,651.37 S/ 1,009.47
0.896444904962535 S/ 36.42 S/ 5,651.37 S/ 906.86
0.877058019307029 S/ 32.21 S/ 5,651.37 S/ 801.98
0.858090402402272 S/ 27.90 S/ 5,651.37 S/ 694.79
0.839532986970081 S/ 23.50 S/ 5,651.37 S/ 585.23
0.821376901824954 S/ 19.00 S/ 5,651.37 S/ 473.24
0.803613467633289 S/ 14.41 S/ 5,651.37 S/ 358.78
0.786234192764319 S/ 9.71 S/ 5,651.37 S/ 241.79
0.769230769230768 S/ 4.91 S/ 5,651.37 S/ 122.22
10.4399442000102 S/ 67,816.45 S/ 8,816.45

S/ 5,651.37
ORTE DESEMBOLSADO S/ 59,000.00 PERIODICIDADD
TIDAD TOTAL A PAGAR S/ 68,372.75 FECHA DESEMBOLSO
CUOTAS 12 PERIODO DE GRACIA

Pago amortizado Saldo deudor Monto amortizado

S/ - S/ 59,000.00 S/ -
S/ 4,347.21 S/ 54,652.79 S/ 4,347.21
S/ 4,443.30 S/ 50,209.49 S/ 8,790.51
S/ 4,541.52 S/ 45,667.97 S/ 13,332.03
S/ 4,641.91 S/ 41,026.07 S/ 17,973.93
S/ 4,744.51 S/ 36,281.55 S/ 22,718.45
S/ 4,849.39 S/ 31,432.17 S/ 27,567.83
S/ 4,956.58 S/ 26,475.59 S/ 32,524.41
S/ 5,066.14 S/ 21,409.44 S/ 37,590.56
S/ 5,178.13 S/ 16,231.32 S/ 42,768.68
S/ 5,292.59 S/ 10,938.73 S/ 48,061.27
S/ 5,409.58 S/ 5,529.15 S/ 53,470.85
S/ 5,529.15 -S/ 0.00 S/ 59,000.00
S/ 59,000.00
MENSUAL
3/18/2023
0
 TCEA 31.35%
TEA 30%
TED 0.073%

TEM 0.02210445059362

n Periocidad Dias acumulados

3/18/2023 0
4/18/2023 1 31 31
5/18/2023 2 30 61
6/18/2023 3 31 92
7/18/2023 4 30 122
8/18/2023 5 31 153
9/18/2023 6 31 184
10/18/2023 7 30 214
11/18/2023 8 31 245
12/18/2023 9 30 275
1/18/2024 10 31 306
2/18/2024 11 31 337
3/18/2024 12 29 366
366

Renta real
 RENTA EN UTOPIA

IMPORTE DESEMBOLSADO
CANTIDAD TOTAL A PAGAR
CUOTAS

ITF 0.005%

Tasa Desgravamen 0.088769%

Factor de actualización Pago Interés Tasa Desgravamen

0.00 0.00
0.977660820573456 5666.58 1348.13 54.12
0.956517526174212 5666.58 1208.71 48.54
0.935149709532372 5666.58 1147.59 46.07
0.914925777878434 5666.58 1010.28 40.57
0.894487086764437 5666.58 937.94 37.65
0.87450497923848 5666.58 829.89 33.32
0.855592575426697 5666.58 695.92 27.95
0.836479339368221 5666.58 605.80 24.32
0.818389293660167 5666.58 474.18 19.04
0.80010714838833 5666.58 371.52 14.91
0.782233411240023 5666.58 250.53 10.06
0.765874468274401 5666.58 118.51 4.76
10.4119221365192 67998.9718 8998.97

S/ 31.15
S/ 5,666.58 S/ 2.60
S/ 373.79
S/ 68,372.76
N UTOPIA

IMPORTE DESEMBOLSADO S/ 59,000.00

CANTIDAD TOTAL A PAGAR S/ 68,372.75
CUOTAS 12

Pago amortizado Saldo deudor Monto amortizado

0.00 59000.00 0.00
4318.45 54681.55 4318.45
4457.88 50223.67 8776.33
4518.99 45704.68 13295.32
4656.30 41048.38 17951.62
4728.64 36319.74 22680.26
4836.69 31483.05 27516.95
4970.67 26512.38 32487.62
5060.78 21451.60 37548.40
5192.41 16259.19 42740.81
5295.06 10964.13 48035.87
5416.05 5548.08 53451.92
5548.08 0.00 59000.00
59000.00

S/ 5,697.73
 PERIODICIDADD MENSUAL
FECHA DESEMBOLSO 3/18/2023
PERIODO DE GRACIA 0
 TCEA 31.35%
TEA 30%
TED 0.073%

TED 0.07291% Tasa Desgravamen

Vencimiento n Periocidad Dias acumulados

Factor de actualización
3/18/2023 0
4/18/2023 1 31 31 0.9776608205735
5/18/2023 2 30 61 0.9565175261742
6/18/2023 3 31 92 0.9351497095324
7/18/2023 4 30 122 0.9149257778784
8/18/2023 5 31 153 0.8944870867644
9/18/2023 6 31 184 0.87450497923848
10/18/2023 7 30 214 0.8555925754267
11/18/2023 8 31 245 0.8364793393682
12/18/2023 9 30 275 0.8183892936602
1/18/2024 10 31 306 0.80010714838833
2/18/2024 11 31 337 0.78223341124
3/18/2024 12 29 366 0.7658744682744
366 10.4119221365192

Renta real S/ 5,666.58

 IMPORTE DESEMBOLSADO ###
CANTIDAD TOTAL A PAGAR ###
CUOTAS 12

0.08877% ITF 0.005%

Pago ITF Tasa Desgravamen Interés Pago amortizado

Saldo deudor
0.00 0.00 0.00 59000.00
5666.58 0.28 54.12 1348.13 4318.45 54681.55
5666.58 0.28 48.54 1208.71 4457.88 50223.67
5666.58 0.28 46.07 1147.59 4518.99 45704.68
5666.58 0.28 40.57 1010.28 4656.30 41048.38
5666.58 0.28 37.65 937.94 4728.64 36319.74
5666.58 0.28 33.32 829.89 4836.69 31483.05
5666.58 0.28 27.95 695.92 4970.67 26512.38
5666.58 0.28 24.32 605.80 5060.78 21451.60
5666.58 0.28 19.04 474.18 5192.41 16259.19
5666.58 0.28 14.91 371.52 5295.06 10964.13
5666.58 0.28 10.06 250.53 5416.05 5548.08
5666.58 0.28 4.76 118.51 5548.08 0.00
67998.97 8998.97 59000.00
 PERIODICIDADD MENSUAL
FECHA DESEMBOLSO 3/18/2023
PERIODO DE GRACIA 0

0.50

Monto amortizado
0.00
4318.45
8776.33
13295.32
17951.62
22680.26
27516.95
32487.62
37548.40
42740.81
48035.87
53451.92
59000.00
 TCEA 31.35%
TEA 30%
TCED 0.076%
TED 0.07291%

Tasa Desgravamen

Vencimiento n Periocidad Dias acumulados

3/18/2023 0
4/18/2023 1 31 31
5/18/2023 2 30 61
6/18/2023 3 31 92
7/18/2023 4 30 122
8/18/2023 5 31 153
9/18/2023 6 31 184
10/18/2023 7 30 214
11/18/2023 8 31 245
12/18/2023 9 30 275
1/18/2024 10 31 306
2/18/2024 11 31 337
3/18/2024 12 29 366
366

Renta real
 R
VP S/ 59,000.00 5697.65667854012

0 1
3/18/2023 4/18/2023
 IMPORTE DESEMBOLSADO
CANTIDAD TOTAL A PAGAR
CUOTAS

Tasa Desgravamen 0.08877% ITF 0.005%

Factor de actualización Pago ITF Tasa Desgravamen Interés Pago amortizado

0.00 0.00 0.00
0.9767914611567 S/ 5,697.66 0.28 54.12 1348.13 4295.69
0.9548445670927 S/ 5,697.66 0.28 48.56 1209.21 4440.17
0.932684019868 S/ 5,697.66 0.28 46.11 1148.52 4503.32
0.9117281473065 S/ 5,697.66 0.28 40.62 1011.52 4645.80
0.8905682691851 S/ 5,697.66 0.28 37.71 939.46 4720.76
0.8698994809171 S/ 5,697.66 0.28 33.38 831.59 4832.96
0.8503542734566 S/ 5,697.66 0.28 28.02 697.64 4972.28
0.8306187932705 S/ 5,697.66 0.28 24.39 607.55 5066.00
0.8119561581141 S/ 5,697.66 0.28 19.11 475.75 5203.08
0.7931118420794 S/ 5,697.66 0.28 14.97 372.90 5310.07
0.7747048750854 S/ 5,697.66 0.28 10.10 251.57 5436.27
0.7578723946407 S/ 5,697.66 0.28 4.78 119.05 5574.11
10.3551342821725 68371.88 9012.90 59000.53

S/ 5,697.66 5697.73
S/ 0.07

TED 0.0729%
 R R R R R R
5697.65667854012 5697.65667854012 5697.65667854012 5697.6566785401 5697.656679 5697.656679

2 3 4 5 6 7
5/18/2023 6/18/2023 7/18/2023 8/18/2023 9/18/2023 10/18/2023
S/ 59,000.00 PERIODICIDADD MENSUAL
S/ 68,372.75 FECHA DESEMBOLSO 3/18/2023
12 PERIODO DE GRACIA 0

0.50

Saldo deudor Monto amortizado

59000.00 0.00
54704.31 4295.69
50264.13 8735.87
45760.82 13239.18
41115.01 17884.99
36394.25 22605.75
31561.29 27438.71
26589.01 32410.99
21523.00 37477.00
16319.92 42680.08
11009.85 47990.15
5573.58 53426.42
-0.53 59000.53
 R R R R R
5697.65667854 5697.65667854012 5697.65667854012 5697.65667854012 5697.65667854012

8 9 10 11 12
11/18/2023 12/18/2023 1/18/2024 2/18/2024 3/18/2024
S/ 68,372.75 VF
 TREA 31.35% TEM
TEA 0.30
TRED 0.076%
TED 0.07291%
TNA 0.2689374822
TND 0.0007470486
TNM

TASA AJUSTADA AL PLAZO

Tasa Desgravamen

Vencimiento n Periocidad Dias acumulados

3/18/2023 0
4/18/2023 1 31 31
5/18/2023 2 30 61
6/18/2023 3 31 92
7/18/2023 4 30 122
8/18/2023 5 31 153
9/18/2023 6 31 184
10/18/2023 7 30 214
11/18/2023 8 31 245
12/18/2023 9 30 275
1/18/2024 10 31 306
2/18/2024 11 31 337
3/18/2024 12 29 366
366

Renta real
VP S/ 60,348.13

3/18/2023 4/18/2023
 RENTA EN UTOPIA

2.21% IMPORTE DESEMBOLSADO

CANTIDAD TOTAL A PAGAR
CUOTAS

Tasa Desgravamen 0.08877% ITF 0.005%

Factor de actualización Pago ITF Tasa Desgravamen Interés

0.00 0.00
0.507745800238 S/ 57,677.80 2.88 55.36 1378.93
0.2635044531765 S/ 57,677.80 2.88 3.64 90.67
0.1337932794444 S/ 57,677.80 2.88 -49.06 -1222.10
0.0694345968438 S/ 57,677.80 2.88 -99.81 -2485.35
0.0352551249387 S/ 57,677.80 2.88 -158.42 -3946.18
0.0179006416245 S/ 57,677.80 2.88 -215.09 -5357.95
0.0092898824186 S/ 57,677.80 2.88 -264.30 -6581.41
0.0047168987828 S/ 57,677.80 2.88 -332.31 -8277.68
0.0024479253868 S/ 57,677.80 2.88 -380.43 -9473.05
0.0012429238344 S/ 57,677.80 2.88 -455.06 -11335.53
0.000631089357 S/ 57,677.80 2.88 -518.79 -12922.92
0.0003347555258 S/ 57,677.80 2.88 -546.33 -13599.51
1.04629737157124 692133.59 -73732.08

S/ 57,677.80 5697.73
-S/ 51,980.07
5/18/2023 6/18/2023 7/18/2023 8/18/2023 9/18/2023
ORTE DESEMBOLSADOS/ 59,000.00 PERIODICIDADD MENSUAL
TIDAD TOTAL A PAGAR
S/ 68,372.75 FECHA DESEMBOLSO 3/18/2023
CUOTAS 12 PERIODO DE GRACIA 0

31.30

Pago amortizado
Saldo deudorMonto amortizado
0.00 60348.13 0.00
56246.39 4101.74 56246.39
57586.38 -53484.64 113832.77
58951.85 -112436.49 172784.62
60265.84 -172702.33 233050.46
61785.28 -234487.61 294835.74
63253.73 -297741.34 358089.47
64526.39 -362267.74 422615.87
66290.67 -428558.41 488906.54
67534.16 -496092.56 556440.69
69471.27 -565563.84 625911.97
71122.39 -636686.23 697034.36
71826.52 -708512.75 768860.88
768860.88

TED 0.0729%
 VF S/ 68,372.75

10/18/2023 11/18/2023 12/18/2023 1/18/2024 2/18/2024 3/18/2024