Caso de financiamiento

La compañía quiere contratar nuevo personal para incrementar su producción diaria y

mensual, para ello ha comprado maquinaria para la producción de Zinc. Sin embargo, su
fábrica ya no cuenta con más espacio para poner su plan en marcha. Por ello, la empresa
desea destinar hasta el 25% de sus ganancias netas del primer trimestre del 2021 para la compra
de un nuevo local y lo restante financiarlo con una entidad bancaria con el objetivo de
adquirir mayores utilidades en el siguiente año. La compañía evaluó diferentes bancos, y
considera que los siguientes bancos tienen mejores beneficios (en moneda extranjera y nacional), pero
quiere evaluar con cual de ellos finalmente realizará el financiamiento.

Supuestos
- Plan de pagos: francés, alemán y americano
- moneda: dólares
- amortización de la deuda
- plazo: 3 años
- tasa efectiva anual
nacional), pero
El Banco GNB Perú le brinda las siguientes condiciones a la compañia para el financiamiento
de la compra del nuevo local que tiene un precio de $285,000.00

- Precio de local: $285,000.00

- Cuota inicial a pagar: 30% del precio de venta
- Periodicidad en el pago: mensual
- Número de años a pagar: 3 años
- Tasa Efectiva anual: 24%
- Comisión por única vez: 4% del monto financiado
- Comisión por portes: $3
- seguro: 0.075%

Tarifario - Banco GNB

https://www.bancognb.com.pe/web/files/peru/E000295v4TarifarioMedianoPlazo.pdf
 MODELO FRANCES
Precio 285,000.00
Cuota inicial 30% Nº i Amortiz Interés
Préstamo 199,500.00 0
Plazo años 3 1 1.808758% 3,980.12 3608.47
Mes 12 2 1.808758% 4,052.11 3536.48
Plazo N° cuota 36 3 1.808758% 4,125.40 3463.19
TEA 24.00% 4 1.808758% 4,200.02 3388.57
TEM 1.808758% 5 1.808758% 4,275.99 3312.6022105
Cuota 7,588.59 6 1.808758% 4,353.33 3235.2598719
7 1.808758% 4,432.07 3156.5185974
8 1.808758% 4,512.24 3076.3530836
9 1.808758% 4,593.86 2994.7375695
10 1.808758% 4,676.95 2911.645828
11 1.808758% 4,761.54 2827.0511578
12 1.808758% 4,847.67 2740.9263745
13 1.808758% 4,935.35 2653.2438021
14 1.808758% 5,024.62 2563.9752639
15 1.808758% 5,115.50 2473.0920737
16 1.808758% 5,208.03 2380.5650263
17 1.808758% 5,302.23 2286.3643883
18 1.808758% 5,398.13 2190.4598884
19 1.808758% 5,495.77 2092.8207081
20 1.808758% 5,595.18 1993.4154709
21 1.808758% 5,696.38 1892.2122334
22 1.808758% 5,799.41 1789.178474
23 1.808758% 5,904.31 1684.2810829
24 1.808758% 6,011.11 1577.4863516
25 1.808758% 6,119.83 1468.7599619
26 1.808758% 6,230.53 1358.0669745
27 1.808758% 6,343.22 1245.3718187
28 1.808758% 6,457.95 1130.6382799
29 1.808758% 6,574.76 1013.8294887
30 1.808758% 6,693.69 894.90790895
31 1.808758% 6,814.76 773.83532528
32 1.808758% 6,938.02 650.57283127
33 1.808758% 7,063.51 525.08081673
34 1.808758% 7,191.27 397.31895503
35 1.808758% 7,321.35 267.24619011
36 1.808758% 7,453.77 134.82072333
Cuota Seguro Portes C. Final S. Capital -191,520.00
0.075% -199,500.00 199,500.00 7741.22
7,588.59 149.63 3.00 7,741.22 195,519.88 7741.22
7,588.59 149.63 3.00 7,741.22 191,467.77 7741.22
7,588.59 149.63 3.00 7,741.22 187,342.36 7741.22
7,588.59 149.63 3.00 7,741.22 183,142.34 7741.22
7,588.59 149.63 3.00 7,741.22 178,866.35 7741.22
7,588.59 149.63 3.00 7,741.22 174,513.02 7741.22
7,588.59 149.63 3.00 7,741.22 170,080.94 7741.22
7,588.59 149.63 3.00 7,741.22 165,568.70 7741.22
7,588.59 149.63 3.00 7,741.22 160,974.85 7741.22
7,588.59 149.63 3.00 7,741.22 156,297.90 7741.22
7,588.59 149.63 3.00 7,741.22 151,536.36 7741.22
7,588.59 149.63 3.00 7,741.22 146,688.69 7741.22
7,588.59 149.63 3.00 7,741.22 141,753.34 7741.22
7,588.59 149.63 3.00 7,741.22 136,728.72 7741.22
7,588.59 149.63 3.00 7,741.22 131,613.22 7741.22
7,588.59 149.63 3.00 7,741.22 126,405.19 7741.22
7,588.59 149.63 3.00 7,741.22 121,102.97 7741.22
7,588.59 149.63 3.00 7,741.22 115,704.83 7741.22
7,588.59 149.63 3.00 7,741.22 110,209.06 7741.22
7,588.59 149.63 3.00 7,741.22 104,613.88 7741.22
7,588.59 149.63 3.00 7,741.22 98,917.50 7741.22
7,588.59 149.63 3.00 7,741.22 93,118.09 7741.22
7,588.59 149.63 3.00 7,741.22 87,213.78 7741.22
7,588.59 149.63 3.00 7,741.22 81,202.67 7741.22
7,588.59 149.63 3.00 7,741.22 75,082.84 7741.22
7,588.59 149.63 3.00 7,741.22 68,852.31 7741.22
7,588.59 149.63 3.00 7,741.22 62,509.09 7741.22
7,588.59 149.63 3.00 7,741.22 56,051.13 7741.22
7,588.59 149.63 3.00 7,741.22 49,476.37 7741.22
7,588.59 149.63 3.00 7,741.22 42,782.68 7741.22
7,588.59 149.63 3.00 7,741.22 35,967.93 7741.22
7,588.59 149.63 3.00 7,741.22 29,029.91 7741.22
7,588.59 149.63 3.00 7,741.22 21,966.39 7741.22
7,588.59 149.63 3.00 7,741.22 14,775.12 7741.22
7,588.59 149.63 3.00 7,741.22 7,453.77 7741.22
7,588.59 149.63 3.00 7,741.22 0.00 2.186872%
TCEM 1.931586% 29.64%
TCEA 25.81%
PRÉSTAMO 199,500.00
COMISION 4% 7980
191,520.00

TCEM
TCEA
El Banco Pichincha le brinda las siguientes condiciones a la compañia para el financiamiento
de la compra del nuevo local que tiene un precio de $285,000.00

- Precio de local: $285,000.00 Nº

- Cuota inicial a pagar: 30% del precio de venta 0
- Periodicidad en el pago: mensual 1
- Número de años a pagar: 3 años 2
- Tasa Efectiva anual: 25% 3
- Comisión por única vez: 1% del monto financiado 4
- Comisión por portes: $3.5 5
- seguro: 0.083% 6
7
8
9
10
11
12
13
14
Precio 285,000.00 15
Cuota inicial 30% 16
Préstamo 199,500.00 17
Plazo años 3 18
Mes 12 19
Plazo N° cuotas 36 20
TEA 25.00% 21
TEM 1.876927% 22
Cuota 7,673.09 23
24
25
26
27
28
29
30
31
32
33
34
35
36
 MODELO AMERICANO

i Amortiz Interés Cuota Seguro Portes C. Final

0.08% -199500
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 20000 3744.4683917 23744.468392 165.585 3.5 23913.553392
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 0 3744.4683917 3744.4683917 165.585 3.5 3913.5533917
1.876927% 199500 3744.4683917 203244.46839 165.585 3.5 203413.55339
TCEM 2.254830%
TCEA 30.68%
S. Capital -197505 PRESTAMO 199500
199500 3913.5533917 COMISION 1% 1995
199500 3913.5533917 197505
199500 3913.5533917
199500 3913.5533917
199500 3913.5533917
199500 3913.5533917
199500 3913.5533917
199500 3913.5533917
199500 3913.5533917
199500 3913.5533917
199500 3913.5533917
199500 3913.5533917
199500 3913.5533917
199500 3913.5533917
199500 23913.553392
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 3913.5533917
179500 203413.55339
-20000 2.296083% TCEM
31.31% TCEA
El Banco GNB Perú le brinda las siguientes condiciones a la compañia para el financiamiento
de la compra del nuevo local que tiene un precio de $285,000.00

- Precio de local: $285,000.00

- Cuota inicial a pagar: 30% del precio de venta

- Periodicidad en el pago: mensual
- Número de años a pagar: 3 años
- Tasa Efectiva anual: 24%
- Comisión por única vez: 4% del monto financiado
- Comisión por portes: $3
- seguro: 0.075%

Precio 285,000.00
Cuota inicial 30%
Préstamo 199,500.00
Plazo años 3
Mes 12
Plazo N° cuotas 36
TEA 24.00%
TEM 1.808758%
Cuota 7,588.59
Amortizacion 5,541.67
 MODELO ALEMAN

Nº i Amortiz Interés Cuota Seguro

0 0.07500%
1 1.808758% 5,541.67 3608.47 9,150.14 149.625
2 1.808758% 5,541.67 3508.24 9,049.90 149.625
3 1.808758% 5,541.67 3408.00 8,949.67 149.625
4 1.808758% 5,541.67 3307.77 8,849.43 149.625
5 1.808758% 5,541.67 3207.53 8,749.20 149.625
6 1.808758% 5,541.67 3107.30 8,648.96 149.625
7 1.808758% 5,541.67 3007.06 8,548.73 149.625
8 1.808758% 5,541.67 2906.83 8,448.49 149.625
9 1.808758% 5,541.67 2806.59 8,348.26 149.625
10 1.808758% 5,541.67 2706.35 8,248.02 149.625
11 1.808758% 5,541.67 2606.12 8,147.79 149.625
12 1.808758% 5,541.67 2505.88 8,047.55 149.625
13 1.808758% 5,541.67 2405.65 7,947.32 149.625
14 1.808758% 5,541.67 2305.41 7,847.08 149.625
15 1.808758% 5,541.67 2205.18 7,746.84 149.625
16 1.808758% 5,541.67 2104.94 7,646.61 149.625
77,458.33 17 1.808758% 5,541.67 2004.71 7,546.37 149.625
18 1.808758% 5,541.67 1904.47 7,446.14 149.625
19 1.808758% 5,541.67 1804.24 7,345.90 149.625
20 1.808758% 5,541.67 1704.00 7,245.67 149.625
21 1.808758% 5,541.67 1603.77 7,145.43 149.625
22 1.808758% 5,541.67 1503.53 7,045.20 149.625
23 1.808758% 5,541.67 1403.29 6,944.96 149.625
24 1.808758% 5,541.67 1303.06 6,844.73 149.625
25 1.808758% 5,541.67 1202.82 6,744.49 149.625
26 1.808758% 5,541.67 1102.59 6,644.26 149.625
27 1.808758% 5,541.67 1002.35 6,544.02 149.625
28 1.808758% 5,541.67 902.12 6,443.78 149.625
29 1.808758% 5,541.67 801.88 6,343.55 149.625
30 1.808758% 5,541.67 701.65 6,243.31 149.625
31 1.808758% 5,541.67 601.41 6,143.08 149.625
32 1.808758% 5,541.67 501.18 6,042.84 149.625
33 1.808758% 5,541.67 400.94 5,942.61 149.625
34 1.808758% 5,541.67 300.71 5,842.37 149.625
35 1.808758% 5,541.67 200.47 5,742.14 149.625
36 1.808758% 5,541.67 100.24 5,641.90 149.625
 Portes C. Final S. Capital -197505 199500
PRESTAMO
(199,500.00) 199,500.00 9,302.76 COMISION 1% 1995
3 9,302.76 193,958.33 9,202.53 197505
3 9,202.53 188,416.67 9,102.29
3 9,102.29 182,875.00 9,002.06
3 9,002.06 177,333.33 8,901.82
3 8,901.82 171,791.67 8,801.59
3 8,801.59 166,250.00 8,701.35
3 8,701.35 160,708.33 8,601.12
3 8,601.12 155,166.67 8,500.88
3 8,500.88 149,625.00 8,400.65
3 8,400.65 144,083.33 8,300.41
3 8,300.41 138,541.67 8,200.18
3 8,200.18 133,000.00 8,099.94
3 8,099.94 127,458.33 7,999.70
3 7,999.70 121,916.67 7,899.47
3 7,899.47 116,375.00 7,799.23
3 7,799.23 110,833.33 7,699.00
3 7,699.00 105,291.67 7,598.76
3 7,598.76 99,750.00 7,498.53
3 7,498.53 94,208.33 7,398.29
3 7,398.29 88,666.67 7,298.06
3 7,298.06 83,125.00 7,197.82
3 7,197.82 77,583.33 7,097.59
3 7,097.59 72,041.67 6,997.35
3 6,997.35 66,500.00 6,897.12
3 6,897.12 60,958.33 6,796.88
3 6,796.88 55,416.67 6,696.65
3 6,696.65 49,875.00 6,596.41
3 6,596.41 44,333.33 6,496.17
3 6,496.17 38,791.67 6,395.94
3 6,395.94 33,250.00 6,295.70
3 6,295.70 27,708.33 6,195.47
3 6,195.47 22,166.67 6,095.23
3 6,095.23 16,625.00 5,995.00
3 5,995.00 11,083.33 5,894.76
3 5,894.76 5,541.67 5,794.53
3 5,794.53 (0.00) 2.01% TCEM
TCEM 1.94% 26.99% TCEA
TCEA 25.97%
El Banco Scotiabank Perú le brinda las siguientes condiciones a la compañia para el financiamient Precio
de la compra del nuevo local que tiene un precio de $285,000.00 Cuota inicial
Préstamo
- Precio de local: $285,000.00 Plazo años
- Cuota inicial a pagar: 30% del precio de venta Mes
- Periodicidad en el pago: mensual Plazo N° cuotas
- Número de años a pagar: 3 años TEA
- Tasa Efectiva anual: 20% TEM
- Comisión por portes: $3.50 Cuota
- seguro: 0.01560%

Tarifario banco Scotiabank

https://scotiabankfiles.azureedge.net/scotiabank-peru/PDFs/empresas/prestamos/049.pdf
https://scotiabankfiles.azureedge.net/scotiabank-peru/PDFs/personas/proteccion/089.pdf
 MODELO FRANCES
285,000.00
30% Nº i Amortiz Interés Cuota
199,500.00 0
3 1 1.530947% 4,534.35 3054.24 7,588.59
12 2 1.530947% 4,603.77 2984.82 7,588.59
36 3 1.530947% 4,674.25 2914.34 7,588.59
20% 4 1.530947% 4,745.81 2842.78 7,588.59
1.530947% 5 1.530947% 4,818.47 2770.1232452 7,588.59
7,249.62 6 1.530947% 4,892.24 2696.3550226 7,588.59
7 1.530947% 4,967.14 2621.4574475 7,588.59
8 1.530947% 5,043.18 2545.4132302 7,588.59
9 1.530947% 5,120.39 2468.2048162 7,588.59
10 1.530947% 5,198.78 2389.8143822 7,588.59
11 1.530947% 5,278.37 2310.2237569 7,588.59
12 1.530947% 5,359.18 2229.4147192 7,588.59
13 1.530947% 5,441.22 2147.368538 7,588.59
14 1.530947% 5,524.53 2064.0662733 7,588.59
15 1.530947% 5,609.10 1979.488695 7,588.59
16 1.530947% 5,694.98 1893.6162788 7,588.59
17 1.530947% 5,782.16 1806.4292015 7,588.59
18 1.530947% 5,870.69 1717.9073362 7,588.59
19 1.530947% 5,960.56 1628.030248 7,588.59
20 1.530947% 6,051.82 1536.7771893 7,588.59
21 1.530947% 6,144.47 1444.1270946 7,588.59
22 1.530947% 6,238.53 1350.0585761 7,588.59
23 1.530947% 6,334.04 1254.5499184 7,588.59
24 1.530947% 6,431.01 1157.5790738 7,588.59
25 1.530947% 6,529.47 1059.1236569 7,588.59
26 1.530947% 6,629.43 959.1609398 7,588.59
27 1.530947% 6,730.93 857.66784647 7,588.59
28 1.530947% 6,833.97 754.62094768 7,588.59
29 1.530947% 6,938.60 649.99645548 7,588.59
30 1.530947% 7,044.82 543.77021775 7,588.59
31 1.530947% 7,152.68 435.91771262 7,588.59
32 1.530947% 7,262.18 326.41404281 7,588.59
33 1.530947% 7,373.36 215.23392984 7,588.59
34 1.530947% 7,486.24 102.35170827 7,588.59
35 1.530947% 7,600.85 -12.258680286 7,588.59
36 1.530947% 7,717.22 -128.62369315 7,588.59
Seguro Portes C. Final S. Capital -198,003.75
0.156% -199,500.00 199,500.00 7741.22
311.22 3.50 7,903.31 194,965.65 7741.22
311.22 3.50 7,903.31 190,361.87 7741.22
311.22 3.50 7,903.31 185,687.62 7741.22
311.22 3.50 7,903.31 180,941.81 7741.22
311.22 3.50 7,903.31 176,123.34 7741.22
311.22 3.50 7,903.31 171,231.10 7741.22
311.22 3.50 7,903.31 166,263.96 7741.22
311.22 3.50 7,903.31 161,220.78 7741.22
311.22 3.50 7,903.31 156,100.39 7741.22
311.22 3.50 7,903.31 150,901.62 7741.22
311.22 3.50 7,903.31 145,623.25 7741.22
311.22 3.50 7,903.31 140,264.07 7741.22
311.22 3.50 7,903.31 134,822.84 7741.22
311.22 3.50 7,903.31 129,298.32 7741.22
311.22 3.50 7,903.31 123,689.21 7741.22
311.22 3.50 7,903.31 117,994.24 7741.22
311.22 3.50 7,903.31 112,212.07 7741.22
311.22 3.50 7,903.31 106,341.39 7741.22
311.22 3.50 7,903.31 100,380.82 7741.22
311.22 3.50 7,903.31 94,329.01 7741.22
311.22 3.50 7,903.31 88,184.54 7741.22
311.22 3.50 7,903.31 81,946.01 7741.22
311.22 3.50 7,903.31 75,611.96 7741.22
311.22 3.50 7,903.31 69,180.95 7741.22
311.22 3.50 7,903.31 62,651.48 7741.22
311.22 3.50 7,903.31 56,022.05 7741.22
311.22 3.50 7,903.31 49,291.12 7741.22
311.22 3.50 7,903.31 42,457.15 7741.22
311.22 3.50 7,903.31 35,518.55 7741.22
311.22 3.50 7,903.31 28,473.73 7741.22
311.22 3.50 7,903.31 21,321.05 7741.22
311.22 3.50 7,903.31 14,058.88 7741.22
311.22 3.50 7,903.31 6,685.52 7741.22
311.22 3.50 7,903.31 -800.73 7741.22
311.22 3.50 7,903.31 -8,401.58 7741.22
311.22 3.50 7,903.31 -16,118.79 1.978310%
TCEM 2.060587% 26.50%
TCEA 27.73%
PRÉSTAMO 199,500.00
COMISION 0.75% 1496.25
198,003.75

TCEM
TCEA