ESQUEMA DE FINANCIAMIENTO "Crédito Bancario"

Nombre del proyecto

N Periodos meses 36
Tasa anual 51.1%
TI Tasa mensual 4.26%
VP Valor del prestamo S/ 40,000.00
SI Saldo inicial S/ 40,000.00
PM PAGO MENSUAL S/ 2,192.02

PAGO
Mes PERIODO SALDO INICIAL INTERES AMOR.CAPITAL MENSUAL
Ene 1 40,000.00 1,703.67 488.35 2,192.02
Feb 2 39,511.65 1,682.87 509.15 2,192.02
Mar 3 39,002.50 1,661.18 530.83 2,192.02
Abr 4 38,471.67 1,638.57 553.44 2,192.02
May 5 37,918.22 1,615.00 577.02 2,192.02
AÑO 1

Jun 6 37,341.21 1,590.42 601.59 2,192.02

Jul 7 36,739.61 1,564.80 627.21 2,192.02
Ago 8 36,112.40 1,538.09 653.93 2,192.02
Sep 9 35,458.47 1,510.24 681.78 2,192.02
Oct 10 34,776.69 1,481.20 710.82 2,192.02
Nov 11 34,065.87 1,450.92 741.09 2,192.02
Dic 12 33,324.78 1,419.36 772.66 2,192.02
Ene 13 32,552.12 1,386.45 805.57 2,192.02
Feb 14 31,746.55 1,352.14 839.88 2,192.02
Mar 15 30,906.67 1,316.37 875.65 2,192.02
Abr 16 30,031.02 1,279.07 912.94 2,192.02
May 17 29,118.08 1,240.19 951.83 2,192.02
AÑO 2

Jun 18 28,166.25 1,199.65 992.37 2,192.02

Jul 19 27,173.88 1,157.38 1,034.64 2,192.02
Ago 20 26,139.25 1,113.31 1,078.70 2,192.02
Sep 21 25,060.55 1,067.37 1,124.65 2,192.02
Oct 22 23,935.90 1,019.47 1,172.55 2,192.02
Nov 23 22,763.35 969.53 1,222.49 2,192.02
Dic 24 21,540.87 917.46 1,274.55 2,192.02
Ene 25 20,266.31 863.18 1,328.84 2,192.02
Feb 26 18,937.47 806.58 1,385.44 2,192.02
Mar 27 17,552.03 747.57 1,444.45 2,192.02
Abr 28 16,107.59 686.05 1,505.97 2,192.02
May 29 14,601.62 621.91 1,570.11 2,192.02
AÑO 3

Jun 30 13,031.51 555.03 1,636.98 2,192.02

Jul 31 11,394.53 485.31 1,706.70 2,192.02
Ago 32 9,687.82 412.62 1,779.40 2,192.02
Sep 33 7,908.43 336.83 1,855.18 2,192.02
Oct 34 6,053.25 257.82 1,934.20 2,192.02
Nov 35 4,119.05 175.44 2,016.58 2,192.02
Dic 36 2,102.47 89.55 2,102.47 2,192.02

TOTAL 38,912.58 40,000.00 78,912.58

ENTIDAD FINANCIERA
CAJA HUANCAYO

PERIODO 2022

SALDO FINAL Int. Anual Am. Anual

39,511.65
39,002.50
38,471.67
37,918.22
37,341.21
36,739.61
36,112.40
35,458.47
34,776.69
34,065.87
33,324.78
32,552.12 ### S/ 7,447.88
31,746.55
30,906.67
30,031.02
29,118.08
28,166.25
27,173.88
26,139.25
25,060.55
23,935.90
22,763.35
21,540.87
20,266.31 ### ###
18,937.47
17,552.03
16,107.59
14,601.62
13,031.51
11,394.53
9,687.82
7,908.43
6,053.25
4,119.05
2,102.47
0.00 S/ 6,037.88 ###

38,912.58 40,000.00
FUENTES DEL FINANCIAMIENTO

Financiamiento - Bancos S/ 40,000.00 39.5% INVERSION TOTAL ###

Aportacion de Socios S/ 61,342.45 60.5%

FUENTE
ITEM DETALLE TOTAL
EXTERNA % INTERNA %
1 Inversion Fija 40000.00 98.4 631.00 1.6 40631.00
A. MAQUINARIA Y EQUIPAMIENTO 20755.00 100.0 0.0
B. MUEBLES Y EQUIPOS DE CAJA 6660.00 100.0 0.0
C. MUEBLES Y EQUIPOS DE LOCAL DE 7085.00 91.8 631.00 8.2
D. VEHICULOS Y/O MEDIOS DE TRANS 5500.00 100.0 0.0

2 Inversion Diferida 0.00 0.0 5169.75 100.0 5169.75

PREPARACION DEL PROYECTO 0.0 2600.00 100.0
tarjetas de presentacion de productos 0.0 500.00 100.0
certificado de ITSE 0.0 482.00 100.0
OTROS 0.0 200.00
Imprevistos 0.0 1387.75 100.0
3 Capital de Trabajo 0.00 0.0 55541.70 100.0 55541.70
INVERSION TOTAL 40000.00 39.5 61342.45 60.5 101342.45

Tiempo del Financiamiento

Mediano Plazo