METODO ALEMAN

VALOR DEL PRÉSTAMO 130000

TASA DE INTERES 26% 0.0392700796
PLAZO 6
CUOTA FIJA

AMORTIZACION/ CUOTA DEL OTROS

PERIODO SALDO DEUDA INTERES
CAPITAL PRESTAMO GASTOS
0 130,000.00 120.00
1 130,000.00 21,666.67 5,105.11 26,771.78 10.00
2 108,333.33 21,666.67 4,254.26 25,920.93 10.00
3 86,666.67 21,666.67 3,403.41 25,070.07 10.00
4 65,000.00 21,666.67 2,552.56 24,219.22 10.00
5 43,333.33 21,666.67 1,701.70 23,368.37 10.00
6 21,666.67 21,666.67 850.85 22,517.52 10.00
TOTAL 130,000.00 17,867.89 147,867.89 180.00
CUOTA FLUJO DE SALDO
FINAL CAJA FINAL
120.00 129,880.00
26,781.78 26,781.78 108,333.33
25,930.93 25,930.93 86,666.67
25,080.07 25,080.07 65,000.00
24,229.22 24,229.22 43,333.33
23,378.37 23,378.37 21,666.67
22,527.52 22,527.52 0
148,047.89 148,047.89
METODO FRANCES

VALOR DEL PRÉSTAMO 130000

TASA DE INTERES 26% 0.0392700796
PLAZO 6
CUOTA FIJA S/ 24,740.15

AMORTIZACION/ CUOTA DEL OTROS

PERIODO SALDO DEUDA INTERES
CAPITAL PRESTAMO GASTOS
0 130,000.00 - - - 120.00
1 130,000.00 S/ 19,635.04 5,105.11 S/ 24,740.15 10.00
2 110,364.96 S/ 20,406.11 4,334.04 S/ 24,740.15 10.00
3 89,958.85 S/ 21,207.46 3,532.69 S/ 24,740.15 10.00
4 68,751.39 S/ 22,040.28 2,699.87 S/ 24,740.15 10.00
5 46,711.11 S/ 22,905.80 1,834.35 S/ 24,740.15 10.00
6 23,805.31 S/ 23,805.31 934.84 S/ 24,740.15 10.00
TOTAL S/ 130,000.00 18,440.90 S/ 148,440.90 180.00
 SALDO FINAL
CUOTA FINAL FLUJO DE CAJA
120.00 129,880.00
S/ 24,750.15 24,750.15 110,364.96
S/ 24,750.15 24,750.15 89,958.85
S/ 24,750.15 24,750.15 68,751.39
S/ 24,750.15 24,750.15 46,711.11
24,750.15 24,750.15 23,805.31
24,750.15 24,750.15 -
148,620.90
CASO N° 01
ARRENDAMIENTO FINANCIERO

DATOS:
TASA DE INTERES 12% 0.0094887929
PLAZO DEL CONTRATO 36
CUOTA FIJA 9,716.61
OPCION DE COMPRA 3,559.37
VALOR ACTUAL S/ 295,139.64
VALOR PRESENTE S/ 2,533.49 FORMULA: VP= O.C.*1/(1+i)^n
CAPITAL FINANCIADO S/ 297,673.13

CRONOGRAMA DE ARRENDAMIENTO FINANCIERO

CONTRATO DE ARRENDAMIENTO FINANCIERO Nro. 3120/2016
MONTO AMORTIZACION/ TOTAL DE LA
N° CUOTAS INTERES
FINANCIADO CAPITAL CUOTA IGV 18%
0 297,673.13 - - -
1 297,673.13 6,892.05 2,824.56 9,716.61 1,748.99
2 290,781.08 6,957.45 2,759.16 9,716.61 1,748.99
3 283,823.63 7,023.47 2,693.14 9,716.61 1,748.99
4 9,716.61
5 9,716.61
6 9,716.61
7 9,716.61
8 9,716.61
9 9,716.61
10 9,716.61
11 9,716.61
12 9,716.61
13 9,716.61
14 9,716.61
15 9,716.61
16 9,716.61
17 9,716.61
18 9,716.61
19 9,716.61
20 9,716.61
21 9,716.61
22 9,716.61
23 9,716.61
24 9,716.61
25 9,716.61
26 9,716.61
27 9,716.61
28 9,716.61
29 9,716.61
30 9,716.61
31 9,716.61
32 9,716.61
33 9,716.61
34 9,716.61
 35 9,716.61
36 9,716.61
TOTAL S/ 20,872.97 8,276.86 S/ 349,797.96 5,246.97
TOTAL A PAGAR
S/ 297,673.13
11,465.60
11,465.60
11,465.60
CASO N° 01
ARRENDAMIENTO FINANCIERO

DATOS:
TASA DE INTERES 12% 0.0094887929
PLAZO DEL CONTRATO 36
CUOTA FIJA 9,716.61
OPCION DE COMPRA 3,559.37
VALOR ACTUAL S/ 295,139.64
VALOR PRESENTE S/ 2,533.49 FORMULA: VP= O.C.*1/(1+i)^n
CAPITAL FINANCIADO S/ 297,673.13

CRONOGRAMA DE ARRENDAMIENTO FINANCIERO

CONTRATO DE ARRENDAMIENTO FINANCIERO Nro. 3120/2016
MONTO AMORTIZACION/ TOTAL DE LA
N° CUOTAS INTERES
FINANCIADO CAPITAL CUOTA IGV 18%
0 S/ 297,673.13
1 S/ 297,673.13 6,892.05 2,824.56 9,716.61 1,748.99
2 S/ 290,781.08 6,957.45 2,759.16 9,716.61 1,748.99
3 S/ 283,823.63 7,023.47 2,693.14 9,716.61 1,748.99
4 S/ 276,800.16 7,090.11 2,626.50 9,716.61 1,748.99
5 S/ 269,710.05 7,157.39 2,559.22 9,716.61 1,748.99
6 S/ 262,552.66 7,225.30 2,491.31 9,716.61 1,748.99
7 S/ 255,327.36 7,293.86 2,422.75 9,716.61 1,748.99
8 S/ 248,033.50 7,363.07 2,353.54 9,716.61 1,748.99
9 S/ 240,670.43 7,432.94 2,283.67 9,716.61 1,748.99
10 S/ 233,237.49 7,503.47 2,213.14 9,716.61 1,748.99
11 S/ 225,734.02 7,574.67 2,141.94 9,716.61 1,748.99
12 S/ 218,159.36 7,646.54 2,070.07 9,716.61 1,748.99
13 S/ 210,512.82 7,719.10 1,997.51 9,716.61 1,748.99
14 S/ 202,793.72 7,792.34 1,924.27 9,716.61 1,748.99
15 S/ 195,001.38 7,866.28 1,850.33 9,716.61 1,748.99
16 S/ 187,135.09 7,940.92 1,775.69 9,716.61 1,748.99
17 S/ 179,194.17 8,016.27 1,700.34 9,716.61 1,748.99
18 S/ 171,177.90 8,092.34 1,624.27 9,716.61 1,748.99
19 S/ 163,085.56 8,169.12 1,547.49 9,716.61 1,748.99
20 S/ 154,916.43 8,246.64 1,469.97 9,716.61 1,748.99
22 S/ 146,669.79 8,324.89 1,391.72 9,716.61 1,748.99
23 S/ 138,344.90 8,403.88 1,312.73 9,716.61 1,748.99
24 S/ 129,941.02 8,483.63 1,232.98 9,716.61 1,748.99
25 S/ 121,457.39 8,564.13 1,152.48 9,716.61 1,748.99
26 S/ 112,893.27 8,645.39 1,071.22 9,716.61 1,748.99
27 S/ 104,247.88 8,727.42 989.19 9,716.61 1,748.99
28 S/ 95,520.45 8,810.24 906.37 9,716.61 1,748.99
29 S/ 86,710.22 8,893.83 822.78 9,716.61 1,748.99
30 S/ 77,816.38 8,978.23 738.38 9,716.61 1,748.99
31 S/ 68,838.16 9,063.42 653.19 9,716.61 1,748.99
32 S/ 59,774.74 9,149.42 567.19 9,716.61 1,748.99
33 S/ 50,625.32 9,236.24 480.37 9,716.61 1,748.99
S/ 41,389.08 9,323.88 392.73 9,716.61 1,748.99
34 S/ 32,065.20 9,412.35 304.26 9,716.61 1,748.99
 35 S/ 22,652.85 9,501.66 214.95 9,716.61 1,748.99
36 S/ 13,151.19 9,591.82 124.79 9,716.61 1,748.99
TOTAL S/ 294,113.76 55,684.20 S/ 359,514.57 62,963.63
TOTAL A PAGAR
S/ 297,673.13
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
11,465.60
CASO N°1

DATOS:
TASA DE INTERES 16.000% 0.01244513792 1.3333%
PLAZO DEL CONTRATO 24 24
CUOTA FIJA 38,764.30
OPCION DE COMPRA 20,000.00
VALOR ACTUAL S/ 690,000.00
VALOR PRESENTE S/ 567.59 VP= O.C.*1/(1+i)^n
CAPITAL FINANCIADO S/ 690,567.59

CRONOGRAMA DE ARRENDAMIENTO FINANCIERO

MONTO AMORTIZACION/
N° CUOTAS INTERES TOTAL DE LA
FINANCIADO CAPITAL
CUOTA
0 S/ 690,567.59
#NAME? S/ 690,567.59 30,170.09 S/ 8,594.21 38,764.30
#NAME? S/ 660,397.50 30,545.56 S/ 8,218.74 38,764.30
#NAME? S/ 629,851.94 30,925.71 S/ 7,838.59 38,764.30
#NAME? S/ 598,926.24 31,310.58 S/ 7,453.72 38,764.30
#NAME? S/ 567,615.66 31,700.24 S/ 7,064.06 38,764.30
#NAME? S/ 535,915.41 32,094.76 S/ 6,669.54 38,764.30
#NAME? S/ 503,820.65 32,494.18 S/ 6,270.12 38,764.30
#NAME? S/ 471,326.47 32,898.58 S/ 5,865.72 38,764.30
#NAME? S/ 438,427.89 33,308.00 S/ 5,456.30 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
#NAME? 38,764.30
 TOTAL A
IGV 18%
PAGAR
S/ 690,567.59
6,977.57 45,741.87
6,977.57 45,741.87
6,977.57 45,741.87
6,977.57 45,741.87
6,977.57 45,741.87
6,977.57 45,741.87
6,977.57 45,741.87
6,977.57 45,741.87
6,977.57 45741.874