En este ejercicio desarrollaremos una

herrramienta de Excel como es el

ANÁLISIS DE HIPÓTESIS.
En ella desarrollaremos BUSQUEDA
OBJETIVO y TABLAS DE DATOS.
Finalmente revisaremos ESCENARIOS.
s una
s el

EDA
S.
RIOS.
Cuotas Constantes
Impote S/ 100,000.00
Tasa 1.00%
Plazo 24 meses

Plazo Saldo Inicial Cuota Amortización Intereses Saldo Final

0 S/ 100,000.00
1 S/ 4,707.35 S/ 3,707.35 S/ 1,000.00 S/ 96,292.65
2 S/ 4,707.35 S/ 3,744.42 S/ 962.93 S/ 92,548.23
3 S/ 4,707.35 S/ 3,781.86 S/ 925.48 S/ 88,766.37
4 S/ 4,707.35 S/ 3,819.68 S/ 887.66 S/ 84,946.68
5 S/ 4,707.35 S/ 3,857.88 S/ 849.47 S/ 81,088.80
6 S/ 4,707.35 S/ 3,896.46 S/ 810.89 S/ 77,192.34
7 S/ 4,707.35 S/ 3,935.42 S/ 771.92 S/ 73,256.92
8 S/ 4,707.35 S/ 3,974.78 S/ 732.57 S/ 69,282.14
9 S/ 4,707.35 S/ 4,014.53 S/ 692.82 S/ 65,267.62
10 S/ 4,707.35 S/ 4,054.67 S/ 652.68 S/ 61,212.95
11 S/ 4,707.35 S/ 4,095.22 S/ 612.13 S/ 57,117.73
12 S/ 4,707.35 S/ 4,136.17 S/ 571.18 S/ 52,981.56
13 S/ 4,707.35 S/ 4,177.53 S/ 529.82 S/ 48,804.03
14 S/ 4,707.35 S/ 4,219.31 S/ 488.04 S/ 44,584.72
15 S/ 4,707.35 S/ 4,261.50 S/ 445.85 S/ 40,323.22
16 S/ 4,707.35 S/ 4,304.12 S/ 403.23 S/ 36,019.10
17 S/ 4,707.35 S/ 4,347.16 S/ 360.19 S/ 31,671.95
18 S/ 4,707.35 S/ 4,390.63 S/ 316.72 S/ 27,281.32
19 S/ 4,707.35 S/ 4,434.53 S/ 272.81 S/ 22,846.79
20 S/ 4,707.35 S/ 4,478.88 S/ 228.47 S/ 18,367.91
21 S/ 4,707.35 S/ 4,523.67 S/ 183.68 S/ 13,844.24
22 S/ 4,707.35 S/ 4,568.90 S/ 138.44 S/ 9,275.33
23 S/ 4,707.35 S/ 4,614.59 S/ 92.75 S/ 4,660.74
24 S/ 4,707.35 S/ 4,660.74 S/ 46.61 -S/ 0.00
Cuotas Dobles
Impote S/ 100,000.00 Fecha de Inicio 10/24/2023
Tasa 1.00% Doble
Plazo 24 meses Amortización
Cuota S/ 4,184.31

Plazo Fecha Saldo Inicial Cuota Amortización Intereses

0 11/24/2023 S/ 100,000.00
1 12/24/2023 S/ 4,184.31 S/ 3,184.31 S/ 1,000.00
2 1/24/2024 S/ 4,184.31 S/ 3,221.38 S/ 962.93
3 2/24/2024 S/ 4,184.31 S/ 3,258.83 S/ 925.48
4 3/24/2024 S/ 4,184.31 S/ 3,296.64 S/ 887.66
5 4/24/2024 S/ 4,184.31 S/ 3,334.84 S/ 849.47
6 5/24/2024 S/ 8,368.62 S/ 7,557.73 S/ 810.89
7 6/24/2024 S/ 4,184.31 S/ 3,412.39 S/ 771.92
8 7/24/2024 S/ 4,184.31 S/ 3,451.74 S/ 732.57
9 8/24/2024 S/ 4,184.31 S/ 3,491.49 S/ 692.82
10 9/24/2024 S/ 4,184.31 S/ 3,531.63 S/ 652.68
11 10/24/2024 S/ 4,184.31 S/ 3,572.18 S/ 612.13
12 11/24/2024 S/ 8,368.62 S/ 7,797.44 S/ 571.18
13 12/24/2024 S/ 4,184.31 S/ 3,654.49 S/ 529.82
14 1/24/2025 S/ 4,184.31 S/ 3,696.27 S/ 488.04
15 2/24/2025 S/ 4,184.31 S/ 3,738.46 S/ 445.85
16 3/24/2025 S/ 4,184.31 S/ 3,781.08 S/ 403.23
17 4/24/2025 S/ 4,184.31 S/ 3,824.12 S/ 360.19
18 5/24/2025 S/ 8,368.62 S/ 8,051.90 S/ 316.72
19 6/24/2025 S/ 4,184.31 S/ 3,911.50 S/ 272.81
20 7/24/2025 S/ 4,184.31 S/ 3,955.84 S/ 228.47
21 8/24/2025 S/ 4,184.31 S/ 4,000.63 S/ 183.68
22 9/24/2025 S/ 4,184.31 S/ 4,045.87 S/ 138.44
23 10/24/2025 S/ 4,184.31 S/ 4,091.56 S/ 92.75
24 11/24/2025 S/ 4,184.31 S/ 4,137.70 S/ 46.61
 Cuotas Crecientes
Impote S/ 100,000.00 % mayor que la cuota anterior
Tasa 1.00% Variación 1.50%
Plazo 24 meses

Saldo Final Plazo Saldo Inicial Cuota Amortización Intereses

0 S/ 100,000.00
S/ 96,815.69 1 S/ 3,973.68 S/ 2,973.68 S/ 1,000.00
S/ 93,594.31 2 S/ 4,033.28 S/ 3,063.02 S/ 970.26
S/ 90,335.48 3 S/ 4,093.78 S/ 3,154.15 S/ 939.63
S/ 87,038.84 4 S/ 4,155.19 S/ 3,247.10 S/ 908.09
S/ 83,704.00 5 S/ 4,217.52 S/ 3,341.90 S/ 875.62
S/ 76,146.27 6 S/ 4,280.78 S/ 3,438.58 S/ 842.20
S/ 72,733.88 7 S/ 4,344.99 S/ 3,537.18 S/ 807.82
S/ 69,282.14 8 S/ 4,410.17 S/ 3,637.72 S/ 772.44
S/ 65,790.66 9 S/ 4,476.32 S/ 3,740.25 S/ 736.07
S/ 62,259.02 10 S/ 4,543.46 S/ 3,844.80 S/ 698.66
S/ 58,686.84 11 S/ 4,611.62 S/ 3,951.40 S/ 660.22
S/ 50,889.40 12 S/ 4,680.79 S/ 4,060.09 S/ 620.70
S/ 47,234.91 13 S/ 4,751.00 S/ 4,170.90 S/ 580.10
S/ 43,538.64 14 S/ 4,822.27 S/ 4,283.87 S/ 538.39
S/ 39,800.18 15 S/ 4,894.60 S/ 4,399.05 S/ 495.55
S/ 36,019.10 16 S/ 4,968.02 S/ 4,516.46 S/ 451.56
S/ 32,194.99 17 S/ 5,042.54 S/ 4,636.14 S/ 406.40
S/ 24,143.09 18 S/ 5,118.18 S/ 4,758.14 S/ 360.04
S/ 20,231.59 19 S/ 5,194.95 S/ 4,882.50 S/ 312.46
S/ 16,275.75 20 S/ 5,272.88 S/ 5,009.24 S/ 263.63
S/ 12,275.12 21 S/ 5,351.97 S/ 5,138.43 S/ 213.54
S/ 8,229.26 22 S/ 5,432.25 S/ 5,270.09 S/ 162.15
S/ 4,137.70 23 S/ 5,513.73 S/ 5,404.28 S/ 109.45
S/ - 24 S/ 5,596.44 S/ 5,541.03 S/ 55.41
ota anterior Impote S/ 100,000.00 Importe mayor que la cuota anterior
Tasa 1.00% Variación 12.00
Plazo 24 meses

Saldo Final Plazo Saldo Inicial Cuota Amortización Intereses

0 S/ 100,000.00
S/ 97,026.32 1 S/ 4,575.06 S/ 3,575.06 S/ 1,000.00
S/ 93,963.30 2 S/ 4,587.06 S/ 3,622.81 S/ 964.25
S/ 90,809.15 3 S/ 4,599.06 S/ 3,671.04 S/ 928.02
S/ 87,562.05 4 S/ 4,611.06 S/ 3,719.75 S/ 891.31
S/ 84,220.16 5 S/ 4,623.06 S/ 3,768.95 S/ 854.11
S/ 80,781.58 6 S/ 4,635.06 S/ 3,818.64 S/ 816.42
S/ 77,244.40 7 S/ 4,647.06 S/ 3,868.83 S/ 778.24
S/ 73,606.68 8 S/ 4,659.06 S/ 3,919.51 S/ 739.55
S/ 69,866.43 9 S/ 4,671.06 S/ 3,970.71 S/ 700.35
S/ 66,021.63 10 S/ 4,683.06 S/ 4,022.42 S/ 660.65
S/ 62,070.23 11 S/ 4,695.06 S/ 4,074.64 S/ 620.42
S/ 58,010.14 12 S/ 4,707.06 S/ 4,127.39 S/ 579.68
S/ 53,839.24 13 S/ 4,719.06 S/ 4,180.66 S/ 538.40
S/ 49,555.36 14 S/ 4,731.06 S/ 4,234.47 S/ 496.60
S/ 45,156.31 15 S/ 4,743.06 S/ 4,288.81 S/ 454.25
S/ 40,639.86 16 S/ 4,755.06 S/ 4,343.70 S/ 411.36
S/ 36,003.71 17 S/ 4,767.06 S/ 4,399.14 S/ 367.93
S/ 31,245.57 18 S/ 4,779.06 S/ 4,455.13 S/ 323.93
S/ 26,363.08 19 S/ 4,791.06 S/ 4,511.68 S/ 279.38
S/ 21,353.83 20 S/ 4,803.06 S/ 4,568.80 S/ 234.27
S/ 16,215.40 21 S/ 4,815.06 S/ 4,626.48 S/ 188.58
S/ 10,945.31 22 S/ 4,827.06 S/ 4,684.75 S/ 142.31
S/ 5,541.03 23 S/ 4,839.06 S/ 4,743.60 S/ 95.47
S/ - 24 S/ 4,851.06 S/ 4,803.03 S/ 48.03
e la cuota anterior

Saldo Final

S/ 96,424.94
S/ 92,802.12
S/ 89,131.08
S/ 85,411.33
S/ 81,642.38
S/ 77,823.74
S/ 73,954.91
S/ 70,035.40
S/ 66,064.69
S/ 62,042.27
S/ 57,967.63
S/ 53,840.25
S/ 49,659.59
S/ 45,425.12
S/ 41,136.31
S/ 36,792.61
S/ 32,393.47
S/ 27,938.34
S/ 23,426.66
S/ 18,857.86
S/ 14,231.38
S/ 9,546.63
S/ 4,803.03
-S/ 0.00
Impote S/ 100,000.00
Tasa 5.00%
Plazo 24
Cuota S/ 7,247.09

S/ 7,247.09 S/ 7,247.09
0.50% S/ 4,432.06 1 S/ 105,000.00
1.00% S/ 4,707.35 6 S/ 19,701.75
1.50% S/ 4,992.41 12 S/ 11,282.54
2.00% S/ 5,287.11 18 S/ 8,554.62
2.50% S/ 5,591.28 24 S/ 7,247.09
3.00% S/ 5,904.74 30 S/ 6,505.14
3.50% S/ 6,227.28 36 S/ 6,043.45
4.00% S/ 6,558.68 42 S/ 5,739.47
4.50% S/ 6,898.70 48 S/ 5,531.84
5.00% S/ 7,247.09 54 S/ 5,386.44
5.50% S/ 7,603.58 60 S/ 5,282.82
6.00% S/ 7,967.90 66 S/ 5,208.06
6.50% S/ 8,339.77 72 S/ 5,153.63
7.00% S/ 8,718.90 78 S/ 5,113.76
7.50% S/ 9,105.01 84 S/ 5,084.40
8.00% S/ 9,497.80 90 S/ 5,062.71
8.50% S/ 9,896.98 96 S/ 5,046.65
9.00% S/ 10,302.26 102 S/ 5,034.73
9.50% S/ 10,713.35 108 S/ 5,025.87
10.00% S/ 11,129.98 114 S/ 5,019.28
120 S/ 5,014.37
 SELECCIÓN
Impote S/ 100,000.00 Tasa 1%
Tasa 1.00% Plazo 11
Plazo 24 Cuota S/ 101,000.00

S/ 4,707.35 1% 2% 3% 4%
0 #NUM! #NUM! #NUM! #NUM!
1 S/ 101,000.00 S/ 102,000.00 S/ 103,000.00 S/ 104,000.00
2 S/ 50,751.24 S/ 51,504.95 S/ 52,261.08 S/ 53,019.61
3 S/ 34,002.21 S/ 34,675.47 S/ 35,353.04 S/ 36,034.85
4 S/ 25,628.11 S/ 26,262.38 S/ 26,902.70 S/ 27,549.00
5 S/ 20,603.98 S/ 21,215.84 S/ 21,835.46 S/ 22,462.71
6 S/ 17,254.84 S/ 17,852.58 S/ 18,459.75 S/ 19,076.19
7 S/ 14,862.83 S/ 15,451.20 S/ 16,050.64 S/ 16,660.96
8 S/ 13,069.03 S/ 13,650.98 S/ 14,245.64 S/ 14,852.78
9 S/ 11,674.04 S/ 12,251.54 S/ 12,843.39 S/ 13,449.30
Plazos

10 S/ 10,558.21 S/ 11,132.65 S/ 11,723.05 S/ 12,329.09

11 S/ 9,645.41 S/ 10,217.79 S/ 10,807.74 S/ 11,414.90
12 S/ 8,884.88 S/ 9,455.96 S/ 10,046.21 S/ 10,655.22
13 S/ 8,241.48 S/ 8,811.84 S/ 9,402.95 S/ 10,014.37
14 S/ 7,690.12 S/ 8,260.20 S/ 8,852.63 S/ 9,466.90
15 S/ 7,212.38 S/ 7,782.55 S/ 8,376.66 S/ 8,994.11
16 S/ 6,794.46 S/ 7,365.01 S/ 7,961.08 S/ 8,582.00
17 S/ 6,425.81 S/ 6,996.98 S/ 7,595.25 S/ 8,219.85
18 S/ 6,098.20 S/ 6,670.21 S/ 7,270.87 S/ 7,899.33
19 S/ 5,805.18 S/ 6,378.18 S/ 6,981.39 S/ 7,613.86
20 S/ 5,541.53 S/ 6,115.67 S/ 6,721.57 S/ 7,358.18
21 S/ 5,303.08 S/ 5,878.48 S/ 6,487.18 S/ 7,128.01
22 S/ 5,086.37 S/ 5,663.14 S/ 6,274.74 S/ 6,919.88
23 S/ 4,888.58 S/ 5,466.81 S/ 6,081.39 S/ 6,730.91
24 S/ 4,707.35 S/ 5,287.11 S/ 5,904.74 S/ 6,558.68
 Plazo
Cuotas

TASAS
5% 6% 7% 8% 9%
#NUM! #NUM! #NUM! #NUM! #NUM!
S/ 105,000.00 S/ 106,000.00 S/ 107,000.00 S/ 108,000.00 S/ 109,000.00
S/ 53,780.49 S/ 54,543.69 S/ 55,309.18 S/ 56,076.92 S/ 56,846.89
S/ 36,720.86 S/ 37,410.98 S/ 38,105.17 S/ 38,803.35 S/ 39,505.48
S/ 28,201.18 S/ 28,859.15 S/ 29,522.81 S/ 30,192.08 S/ 30,866.87
S/ 23,097.48 S/ 23,739.64 S/ 24,389.07 S/ 25,045.65 S/ 25,709.25
S/ 19,701.75 S/ 20,336.26 S/ 20,979.58 S/ 21,631.54 S/ 22,291.98
S/ 17,281.98 S/ 17,913.50 S/ 18,555.32 S/ 19,207.24 S/ 19,869.05
S/ 15,472.18 S/ 16,103.59 S/ 16,746.78 S/ 17,401.48 S/ 18,067.44
S/ 14,069.01 S/ 14,702.22 S/ 15,348.65 S/ 16,007.97 S/ 16,679.88
S/ 12,950.46 S/ 13,586.80 S/ 14,237.75 S/ 14,902.95 S/ 15,582.01
S/ 12,038.89 S/ 12,679.29 S/ 13,335.69 S/ 14,007.63 S/ 14,694.67
S/ 11,282.54 S/ 11,927.70 S/ 12,590.20 S/ 13,269.50 S/ 13,965.07
S/ 10,645.58 S/ 11,296.01 S/ 11,965.08 S/ 12,652.18 S/ 13,356.66
S/ 10,102.40 S/ 10,758.49 S/ 11,434.49 S/ 12,129.69 S/ 12,843.32
S/ 9,634.23 S/ 10,296.28 S/ 10,979.46 S/ 11,682.95 S/ 12,405.89
S/ 9,226.99 S/ 9,895.21 S/ 10,585.76 S/ 11,297.69 S/ 12,029.99
S/ 8,869.91 S/ 9,544.48 S/ 10,242.52 S/ 10,962.94 S/ 11,704.62
S/ 8,554.62 S/ 9,235.65 S/ 9,941.26 S/ 10,670.21 S/ 11,421.23
S/ 8,274.50 S/ 8,962.09 S/ 9,675.30 S/ 10,412.76 S/ 11,173.04
S/ 8,024.26 S/ 8,718.46 S/ 9,439.29 S/ 10,185.22 S/ 10,954.65
S/ 7,799.61 S/ 8,500.45 S/ 9,228.90 S/ 9,983.23 S/ 10,761.66
S/ 7,597.05 S/ 8,304.56 S/ 9,040.58 S/ 9,803.21 S/ 10,590.50
S/ 7,413.68 S/ 8,127.85 S/ 8,871.39 S/ 9,642.22 S/ 10,438.19
S/ 7,247.09 S/ 7,967.90 S/ 8,718.90 S/ 9,497.80 S/ 10,302.26
 10% 11% 12%
#NUM! #NUM! #NUM!
S/ 110,000.00 S/ 111,000.00 S/ 112,000.00
S/ 57,619.05 S/ 58,393.36 S/ 59,169.81
S/ 40,211.48 S/ 40,921.31 S/ 41,634.90
S/ 31,547.08 S/ 32,232.64 S/ 32,923.44
S/ 26,379.75 S/ 27,057.03 S/ 27,740.97
S/ 22,960.74 S/ 23,637.66 S/ 24,322.57
S/ 20,540.55 S/ 21,221.53 S/ 21,911.77
S/ 18,744.40 S/ 19,432.11 S/ 20,130.28
S/ 17,364.05 S/ 18,060.17 S/ 18,767.89
S/ 16,274.54 S/ 16,980.14 S/ 17,698.42
S/ 15,396.31 S/ 16,112.10 S/ 16,841.54
S/ 14,676.33 S/ 15,402.73 S/ 16,143.68
S/ 14,077.85 S/ 14,815.10 S/ 15,567.72
S/ 13,574.62 S/ 14,322.82 S/ 15,087.12
S/ 13,147.38 S/ 13,906.52 S/ 14,682.42
S/ 12,781.66 S/ 13,551.67 S/ 14,339.00
S/ 12,466.41 S/ 13,247.15 S/ 14,045.67
S/ 12,193.02 S/ 12,984.29 S/ 13,793.73
S/ 11,954.69 S/ 12,756.25 S/ 13,576.30
S/ 11,745.96 S/ 12,557.56 S/ 13,387.88
S/ 11,562.44 S/ 12,383.79 S/ 13,224.01
S/ 11,400.51 S/ 12,231.31 S/ 13,081.05
S/ 11,257.18 S/ 12,097.12 S/ 12,956.00
S/ 11,129.98 S/ 11,978.72 S/ 12,846.34
Prestamo S/ 100,000.00
Tasa 28.00%
Plazo 30 meses
Cuota S/ 28,017.03

CMAC AQP CMAC Cusco Confianza Crediescotia Mibanco BCP

Plazo 24 36 25 30 18 36
Taza 30% 25% 29% 28% 55% 40%
BBVA Interbank
36 36
35% 38%