PRESTAMO S/ 10,000.

00
TASA EFECTIVA TRIMESTRAL(ie) 5.00%
T = PERIODOS 6 CUOTAS TRIMESTRALES

INTERES (I) S/ 500.00 CONSTANTES

CUOTA ( C ) S/ 500.00 PARA LOS 5 TRIMESTRES
SALDO (S) S/ 10,000.00 PATA LOS 5 TRIMESTRES
AMORTIZACION (A) S/ - PARA LOS 5 TRIMESTRES
AMORTIZACION (A) S/ 10,000.00 PARA EL ULTIMO O SEXTO TRIMESTRE

PERIODOS DEUDA(D) AMORTIZACION(A)

1TRIM S/ 10,000.00 S/ -
2TRIM S/ 10,000.00 S/ -
3TRIM S/ 10,000.00 S/ -
4TRIM S/ 10,000.00 S/ -
5TRIM S/ 10,000.00 S/ -
6TRIM S/ 10,000.00 S/ 10,000.00
TOTALES S/ 10,000.00

PRESTAMO $ 15,000.00
TASA NOMINAL ANUAL 30% CAPITALIZACION DIARIA
T = PERIODOS 12 CUOTAS BIMESTRALES
TASA EFECTIVA ANUAL 34.97%

TASA EFECTIVA BIMESTRAL 5.12%

INTERES (I) S/ 768.74 CONSTANTE

CUOTA ( C ) S/ 768.74 11 cuotas bimestrales
SALDO (S) $ 15,000.00 11 cuotas bimestrales
AMORTIZACION (A) S/ - 11 cuotas bimestrales
AMORTIZACION (A) $ 15,000.00 ultima cuota se paga la deuda total

PERIODOS DEUDA AMORTIZACION

1BIM $ 15,000.00 $ -
2BIM $ 15,000.00 $ -
3BIM $ 15,000.00 $ -
4BIM $ 15,000.00 $ -
5BIM $ 15,000.00 $ -
 6BIM $ 15,000.00 $ -
7BIM $ 15,000.00 $ -
8BIM $ 15,000.00 $ -
9BIM $ 15,000.00 $ -
10BIM $ 15,000.00 $ -
11BIM $ 15,000.00 $ -
12BIM $ 15,000.00 $ 15,000.00
TOTALES $ 15,000.00

Prestamo S/ 30,000.00
No. De cuotas mensuales 12
TEM 5%
Interes por periodo
Ultima cuota
Intereses totales
Total de cuotas

Prestamo S/ 50,000.00
No. De cuotas semestrales 6
TES 10%
Interes por periodo
Ultima cuota
Intereses totales
Total de cuotas
TO TRIMESTRE

INTERES(I) CUOTA© SALDO(S)

S/ 500.00 S/ 500.00 S/ 10,000.00
S/ 500.00 S/ 500.00 S/ 10,000.00
S/ 500.00 S/ 500.00 S/ 10,000.00
S/ 500.00 S/ 500.00 S/ 10,000.00
S/ 500.00 S/ 500.00 S/ 10,000.00
S/ 500.00 S/ 10,500.00 S/ -
S/ 3,000.00 S/ 13,000.00

deuda total

INTERES CUOTA SALDO

$ 768.74 $ 768.74 $ 15,000.00
$ 768.74 $ 768.74 $ 15,000.00
$ 768.74 $ 768.74 $ 15,000.00
$ 768.74 $ 768.74 $ 15,000.00
$ 768.74 $ 768.74 $ 15,000.00
$ 768.74 $ 768.74 $ 15,000.00
$ 768.74 $ 768.74 $ 15,000.00
$ 768.74 $ 768.74 $ 15,000.00
$ 768.74 $ 768.74 $ 15,000.00
$ 768.74 $ 768.74 $ 15,000.00
$ 768.74 $ 768.74 $ 15,000.00
$ 768.74 $ 15,768.74 $ -
$ 9,224.86 $ 24,224.86
PRESTAMO S/ 25,000.00
TASA NOMINAL ANUAL 36% CAPITALIZACION MENSUAL
T = PERIODOS 4 CUOTAS TRIMESTRALES

TASA EFECTIVA ANUAL 42.58%

TASA EFECTIVA TRIMESTRAL 9.27%

INTERES (I)
AMORTIZACION (A)
CUOTA ( C )
SALDO (S)

PERIODOS DEUDA AMORTIZACION

1TRIM S/ 25,000.00 S/ -
2TRIM S/ 25,000.00 S/ -
3TRIM S/ 25,000.00 S/ -
4TRIM S/ 25,000.00 S/ 25,000.00
TOTALES S/ 25,000.00

PRESTAMO S/ 50,000.00
TASA NOMINAL ANUAL 30% CAPITALIZACION TRIMESTRAL
T = PERIODOS 6 CUOTAS BIMESTRALES

TASA EFECTIVA ANUAL 33.55%

TASA EFECTIVA BIMESTRAL 4.94%

INTERES (I)
AMORTIZACION (A)
CUOTA ( C )
SALDO (S)

PERIODOS DEUDA AMORTIZACION

1BIM S/ 50,000.00 S/ -
2BIM S/ 50,000.00 S/ -
3BIM S/ 50,000.00 S/ -
4BIM S/ 50,000.00 S/ -
5BIM S/ 50,000.00 S/ -
6BIM S/ 50,000.00 S/ 50,000.00
TOTALES S/ 50,000.00
 INTERES CUOTA SALDO
S/ 2,318.18 S/ 2,318.18 S/ 25,000.00
S/ 2,318.18 S/ 2,318.18 S/ 25,000.00
S/ 2,318.18 S/ 2,318.18 S/ 25,000.00
S/ 2,318.18 S/ 27,318.18 S/ -
S/ 9,272.70 S/ 34,272.70

INTERES CUOTA SALDO

S/ 2,469.75 S/ 2,469.75 S/ 50,000.00
S/ 2,469.75 S/ 2,469.75 S/ 50,000.00
S/ 2,469.75 S/ 2,469.75 S/ 50,000.00
S/ 2,469.75 S/ 2,469.75 S/ 50,000.00
S/ 2,469.75 S/ 2,469.75 S/ 50,000.00
S/ 2,469.75 S/ 52,469.75 S/ -
S/ 14,818.49 S/ 64,818.49
Préstamo 20,000
Moneda Nuevos soles 𝑇𝐸 a⁡= ((1+𝑇𝐸𝑏)^((𝑡𝑖𝑒𝑚𝑝𝑜𝑡𝑎𝑠𝑎𝑝𝑜𝑟𝑐𝑜𝑛𝑜𝑐𝑒𝑟(𝑎))/(𝑡𝑖𝑒𝑚
Número de cuotas 6
Periodo de pago Mensual
TEA 36%
TEM 2.60%
CUOTA

PERIODOS DEUDA
1TRIM S/ 20,000.00
2TRIM S/ 20,000.00
3TRIM S/ 20,000.00
4TRIM S/ 20,000.00
5TRIM S/ 20,000.00
6TRIM S/ 20,000.00
TOTALES

Préstamo 35,000
Moneda Nuevos soles
Número de cuotas 10
Periodo de pago Trimestral
TEA 48%
TETrimestral 10.30%
CUOTA

PERIODOS DEUDA
1TRIM $ 35,000.00
2TRIM $ 35,000.00
3TRIM $ 35,000.00
4TRIM $ 35,000.00
5TRIM $ 35,000.00
6TRIM $ 35,000.00
7TRIM $ 35,000.00
8TRIM $ 35,000.00
9TRIM $ 35,000.00
10TRIM $ 35,000.00
TOTALES
𝑝𝑜𝑡𝑎𝑠𝑎𝑝𝑜𝑟𝑐𝑜𝑛𝑜𝑐𝑒𝑟(𝑎))/(𝑡𝑖𝑒𝑚𝑝𝑜𝑡𝑎𝑠𝑎𝑐𝑜𝑛𝑜𝑐𝑖𝑑𝑎(𝑏)))−1)

AMORTIZACION INTERES CUOTA SALDO

S/ - S/ 519.10 S/ 519.10 S/ 20,000.00
S/ - S/ 519.10 S/ 519.10 S/ 20,000.00
S/ - S/ 519.10 S/ 519.10 S/ 20,000.00
S/ - S/ 519.10 S/ 519.10 S/ 20,000.00
S/ - S/ 519.10 S/ 519.10 S/ 20,000.00
S/ 20,000.00 S/ 519.10 S/ 20,519.10 S/ -
S/ 20,000.00 S/ 3,114.58 S/ 23,114.58

AMORTIZACION INTERES CUOTA SALDO

$ - $ 3,604.10 $ 3,604.10 $ 35,000.00
$ - $ 3,604.10 $ 3,604.10 $ 35,000.00
$ - $ 3,604.10 $ 3,604.10 $ 35,000.00
$ - $ 3,604.10 $ 3,604.10 $ 35,000.00
$ - $ 3,604.10 $ 3,604.10 $ 35,000.00
$ - $ 3,604.10 $ 3,604.10 $ 35,000.00
$ - $ 3,604.10 $ 3,604.10 $ 35,000.00
$ - $ 3,604.10 $ 3,604.10 $ 35,000.00
$ - $ 3,604.10 $ 3,604.10 $ 35,000.00
$ 35,000.00 $ 3,604.10 $ 38,604.10 $ -
$ 35,000.00 $ 36,041.04 $ 71,041.04
PRESTAMO S/ 10,000.00
TASA EFECTIVA TRIMESTRAL 5%
T = PERIODOS 6 CUOTAS TRIMESTRALES

AMORTIZACION (A) S/ 1,666.67

INTERES (I)
CUOTA ( C )
SALDO (S)
PERIODOS DEUDA AMORTIZACION
1TRIM S/ 10,000.00 S/ 1,666.67
2TRIM S/ 8,333.33 S/ 1,666.67
3TRIM S/ 6,666.67 S/ 1,666.67
4TRIM S/ 5,000.00 S/ 1,666.67
5TRIM S/ 3,333.33 S/ 1,666.67
6TRIM S/ 1,666.67 S/ 1,666.67
TOTALES S/ 10,000.00

PRESTAMO $ 15,000.00
TASA NOMINAL ANUAL 30% CAPITALIZACION DIARIA
T = PERIODOS 12 CUOTAS BIMESTRALES

TASA EFECTIVA ANUAL 34.97%

TASA EFECTIVA BIMESTRAL 5.12%

AMORTIZACION (A) $ 1,250.00

INTERES (I)
CUOTA ( C )
SALDO (S)
PERIODOS DEUDA AMORTIZACION
1BIM $ 15,000.00 $ 1,250.00
2BIM $ 13,750.00 $ 1,250.00
3BIM $ 12,500.00 $ 1,250.00
4BIM $ 11,250.00 $ 1,250.00
5BIM $ 10,000.00 $ 1,250.00
6BIM $ 8,750.00 $ 1,250.00
7BIM $ 7,500.00 $ 1,250.00
8BIM $ 6,250.00 $ 1,250.00
9BIM $ 5,000.00 $ 1,250.00
10BIM $ 3,750.00 $ 1,250.00
11BIM $ 2,500.00 $ 1,250.00
12BIM $ 1,250.00 $ 1,250.00
TOTALES $ 15,000.00
 INTERES CUOTA SALDO
S/ 500.00 S/ 2,166.67 S/ 8,333.33
S/ 416.67 S/ 2,083.33 S/ 6,666.67
S/ 333.33 S/ 2,000.00 S/ 5,000.00
S/ 250.00 S/ 1,916.67 S/ 3,333.33
S/ 166.67 S/ 1,833.33 S/ 1,666.67
S/ 83.33 S/ 1,750.00 S/ -
S/ 1,750.00 S/ 11,750.00

INTERES CUOTA SALDO

$ 768.74 $ 2,018.74 $ 13,750.00
$ 704.68 $ 1,954.68 $ 12,500.00
$ 640.62 $ 1,890.62 $ 11,250.00
$ 576.55 $ 1,826.55 $ 10,000.00
$ 512.49 $ 1,762.49 $ 8,750.00
$ 448.43 $ 1,698.43 $ 7,500.00
$ 384.37 $ 1,634.37 $ 6,250.00
$ 320.31 $ 1,570.31 $ 5,000.00
$ 256.25 $ 1,506.25 $ 3,750.00
$ 192.18 $ 1,442.18 $ 2,500.00
$ 128.12 $ 1,378.12 $ 1,250.00
$ 64.06 $ 1,314.06 $ -
$ 4,996.80 $ 19,996.80
PRESTAMO S/ 25,000.00
TASA NOMINAL ANUAL 36% CAPITALIZACION MENSUAL
T = PERIODOS 4 CUOTAS TRIMESTRALES

TASA EFECTIVA ANUAL 42.58%

TASA EFECTIVA TRIMESTRAL 9.27%

INTERES (I)
AMORTIZACION (A) S/ 6,250.00
CUOTA ( C )
SALDO (S)

PERIODOS DEUDA
1TRIM S/ 25,000.00
2TRIM S/ 18,750.00
3TRIM S/ 12,500.00
4TRIM S/ 6,250.00
TOTALES

PRESTAMO S/ 50,000.00
TASA NOMINAL ANUAL 30% CAPITALIZACION TRIMESTRAL
T = PERIODOS 6 CUOTAS BIMESTRALES

TASA EFECTIVA ANUAL 33.55%

TASA EFECTIVA BIMESTRAL 4.94%

INTERES (I)
AMORTIZACION (A) S/ 8,333.33
CUOTA ( C )
SALDO (S)

PERIODOS DEUDA
1BIM S/ 50,000.00
2BIM S/ 41,666.67
3BIM S/ 33,333.33
4BIM S/ 25,000.00
5BIM S/ 16,666.67
6BIM S/ 8,333.33
TOTALES
IZACION MENSUAL
TRIMESTRALES

AMORTIZACION INTERES CUOTA SALDO

S/ 6,250.00 S/ 2,318.18 S/ 8,568.18 S/ 18,750.00
S/ 6,250.00 S/ 1,738.63 S/ 7,988.63 S/ 12,500.00
S/ 6,250.00 S/ 1,159.09 S/ 7,409.09 S/ 6,250.00
S/ 6,250.00 S/ 579.54 S/ 6,829.54 S/ -
S/ 25,000.00 S/ 5,795.44 S/ 30,795.44

IZACION TRIMESTRAL
BIMESTRALES

AMORTIZACION INTERES CUOTA SALDO

S/ 8,333.33 S/ 2,469.75 S/ 10,803.08 S/ 41,666.67
S/ 8,333.33 S/ 2,058.12 S/ 10,391.46 S/ 33,333.33
S/ 8,333.33 S/ 1,646.50 S/ 9,979.83 S/ 25,000.00
S/ 8,333.33 S/ 1,234.87 S/ 9,568.21 S/ 16,666.67
S/ 8,333.33 S/ 823.25 S/ 9,156.58 S/ 8,333.33
S/ 8,333.33 S/ 411.62 S/ 8,744.96 S/ -
S/ 50,000.00 S/ 8,644.12 S/ 58,644.12
Préstamo S/ 12,000.00
Moneda Nuevos soles
Número de cuotas 12
Periodo de pago Mensual
TEA 60.1033%
TEM 4.00%
Amortización S/ 1,000.00
PERIODOS DEUDA
1MENSUAL S/ 12,000.00
2MENSUAL S/ 11,000.00
3MENSUAL S/ 10,000.00
4MENSUAL S/ 9,000.00
5MENSUAL S/ 8,000.00
6MENSUAL S/ 7,000.00
7MENSUAL S/ 6,000.00
8MENSUAL S/ 5,000.00
9MENSUAL S/ 4,000.00
10MENSUAL S/ 3,000.00
11MENSUAL S/ 2,000.00
12MENSUAL S/ 1,000.00
TOTALES

Préstamo S/ 14,000.00
Moneda Nuevos soles
Número de cuotas 18
Periodo de pago Mensual
TEA 32.50%
TEM 2.3728%
Amortización S/ 777.78
PERIODOS DEUDA
1MENSUAL S/ 14,000.00
2MENSUAL S/ 13,222.22
3MENSUAL S/ 12,444.44
4MENSUAL S/ 11,666.67
5MENSUAL S/ 10,888.89
6MENSUAL S/ 10,111.11
7MENSUAL S/ 9,333.33
8MENSUAL S/ 8,555.56
9MENSUAL S/ 7,777.78
10MENSUAL S/ 7,000.00
11MENSUAL S/ 6,222.22
12MENSUAL S/ 5,444.44
13MENSUAL S/ 4,666.67
14MENSUAL S/ 3,888.89
15MENSUAL S/ 3,111.11
16MENSUAL S/ 2,333.33
17MENSUAL S/ 1,555.56
18MENSUAL S/ 777.78
TOTALES
AMORTIZACION INTERES CUOTA SALDO
S/ 1,000.00 S/ 480.00 S/ 1,480.00 S/ 11,000.00
S/ 1,000.00 S/ 440.00 S/ 1,440.00 S/ 10,000.00
S/ 1,000.00 S/ 400.00 S/ 1,400.00 S/ 9,000.00
S/ 1,000.00 S/ 360.00 S/ 1,360.00 S/ 8,000.00
S/ 1,000.00 S/ 320.00 S/ 1,320.00 S/ 7,000.00
S/ 1,000.00 S/ 280.00 S/ 1,280.00 S/ 6,000.00
S/ 1,000.00 S/ 240.00 S/ 1,240.00 S/ 5,000.00
S/ 1,000.00 S/ 200.00 S/ 1,200.00 S/ 4,000.00
S/ 1,000.00 S/ 160.00 S/ 1,160.00 S/ 3,000.00
S/ 1,000.00 S/ 120.00 S/ 1,120.00 S/ 2,000.00
S/ 1,000.00 S/ 80.00 S/ 1,080.00 S/ 1,000.00
S/ 1,000.00 S/ 40.00 S/ 1,040.00 S/ -
S/ 12,000.00 S/ 3,120.00 S/ 15,120.00

AMORTIZACION INTERES CUOTA SALDO

S/ 777.78 S/ 332.19 S/ 1,109.97 S/ 13,222.22
S/ 777.78 S/ 313.74 S/ 1,091.52 S/ 12,444.44
S/ 777.78 S/ 295.28 S/ 1,073.06 S/ 11,666.67
S/ 777.78 S/ 276.83 S/ 1,054.61 S/ 10,888.89
S/ 777.78 S/ 258.37 S/ 1,036.15 S/ 10,111.11
S/ 777.78 S/ 239.92 S/ 1,017.70 S/ 9,333.33
S/ 777.78 S/ 221.46 S/ 999.24 S/ 8,555.56
S/ 777.78 S/ 203.01 S/ 980.79 S/ 7,777.78
S/ 777.78 S/ 184.55 S/ 962.33 S/ 7,000.00
S/ 777.78 S/ 166.10 S/ 943.88 S/ 6,222.22
S/ 777.78 S/ 147.64 S/ 925.42 S/ 5,444.44
S/ 777.78 S/ 129.19 S/ 906.96 S/ 4,666.67
S/ 777.78 S/ 110.73 S/ 888.51 S/ 3,888.89
S/ 777.78 S/ 92.28 S/ 870.05 S/ 3,111.11
S/ 777.78 S/ 73.82 S/ 851.60 S/ 2,333.33
S/ 777.78 S/ 55.37 S/ 833.14 S/ 1,555.56
S/ 777.78 S/ 36.91 S/ 814.69 S/ 777.78
S/ 777.78 S/ 18.46 S/ 796.23 S/ 0.00
S/ 14,000.00 S/ 3,155.85 S/ 17,155.85
PRESTAMO S/ 10,000.00
TASA EFECTIVA TRIMESTRAL(ie) 5%
T = PERIODOS(t) 6 CUOTAS TRIMESTRALES

FRC 0.19702
CUOTA ( C ) = DEUDA x FRC S/ 1,970.17
INTERES (I)
AMORTIZACION (A)
SALDO (S)
PERIODOS DEUDA
1TRIM S/ 10,000.00
2TRIM S/ 8,529.83
3TRIM S/ 6,986.14
4TRIM S/ 5,365.27
5TRIM S/ 3,663.36
6TRIM S/ 1,876.36
TOTALES

PRESTAMO $ 15,000.00
TASA NOMINAL ANUAL 30% CAPITALIZACION DIARIA
T = PERIODOS(t) 12 CUOTAS BIMESTRALES

TASA EFECTIVA ANUAL 34.97%

TASA EFECTIVA BIMESTRAL(ie) 5.12%

FRC 0.11362
CUOTA ( C ) = DEUDA x FRC $ 1,704.33
CUOTA( C ) $ 1,704.33
AMORTIZACION (A)
SALDO (S)
PERIODOS DEUDA
1BIM $ 15,000.00
2BIM $ 14,064.41
3BIM $ 13,080.88
4BIM $ 12,046.94
5BIM $ 10,960.01
6BIM $ 9,817.37
7BIM $ 8,616.18
 8BIM $ 7,353.43
9BIM $ 6,025.96
10BIM $ 4,630.46
11BIM $ 3,163.44
12BIM $ 1,621.24
TOTALES

PERIODO DE GRACIA
PRESTAMO S/ 3,000.00
TEA(ie) 7%
T = PERIODOS(t) 4 CUOTAS ANUALES
PERIODO DE GRACIA 1 AÑO

FRC 0.38105
CUOTA ( C ) = DEUDA x FRC S/ 1,143.15
CUOTA ( C ) S/ 1,143.15
PERIODO DE GRACIA PARCIA
PERIODOS DEUDA
1 AÑO S/ 3,000.00
2 AÑO S/ 3,000.00
3 AÑO S/ 2,066.85
4 AÑO S/ 1,068.37
TOTALES

FRC 0.38105
CUOTA ( C ) = DEUDA x FRC S/ 1,223.18
CUOTA S/ 1,223.18
PERIODO DE GRACIA TOTA
PERIODOS DEUDA
1 AÑO S/ 3,000.00
2 AÑO S/ 3,210.00
3 AÑO S/ 2,211.52
4 AÑO S/ 1,143.15

CON FUNCIONES FINANCIERAS

PRESTAMO S/ 10,000.00
TASA EFECTIVA TRIMESTRAL 5%
T = PERIODOS 6 CUOTAS TRIMESTRALES
CUOTA
PERIODOS DEUDA
1
2
3
4
5
6
TOTALES
AS TRIMESTRALES

AMORTIZACION INTERES CUOTA SALDO

AMORTIZACION
S/ 1,470.17 S/ 500.00 S/ 1,970.17 S/ 8,529.83
S/ 1,543.68 S/ 426.49 S/ 1,970.17 S/ 6,986.14
S/ 1,620.87 S/ 349.31 S/ 1,970.17 S/ 5,365.27
S/ 1,701.91 S/ 268.26 S/ 1,970.17 S/ 3,663.36
S/ 1,787.01 S/ 183.17 S/ 1,970.17 S/ 1,876.36
S/ 1,876.36 S/ 93.82 S/ 1,970.17 S/ -
S/ 10,000.00 S/ 1,821.05 S/ 11,821.05

ALIZACION DIARIA
AS BIMESTRALES

AMORTIZACION

AMORTIZACION INTERES CUOTA SALDO

$ 935.59 $ 768.74 $ 1,704.33 $ 14,064.41
$ 983.54 $ 720.79 $ 1,704.33 $ 13,080.88
$ 1,033.94 $ 670.38 $ 1,704.33 $ 12,046.94
$ 1,086.93 $ 617.40 $ 1,704.33 $ 10,960.01
$ 1,142.63 $ 561.69 $ 1,704.33 $ 9,817.37
$ 1,201.19 $ 503.13 $ 1,704.33 $ 8,616.18
$ 1,262.75 $ 441.57 $ 1,704.33 $ 7,353.43
 $ 1,327.47 $ 376.86 $ 1,704.33 $ 6,025.96
$ 1,395.50 $ 308.83 $ 1,704.33 $ 4,630.46
$ 1,467.02 $ 237.31 $ 1,704.33 $ 3,163.44
$ 1,542.20 $ 162.12 $ 1,704.33 $ 1,621.24
$ 1,621.24 $ 83.09 $ 1,704.33 $ -0.00
$ 15,000.00 $ 5,451.91 $ 20,451.91

AS ANUALES

PERIODO DE GRACIA PARCIAL

AMORTIZACION INTERES CUOTA SALDO
S/ - S/ 210.00 S/ 210.00 S/ 3,000.00 P.GRACIA
S/ 933.15 S/ 210.00 S/ 1,143.15 S/ 2,066.85
S/ 998.48 S/ 144.68 S/ 1,143.15 S/ 1,068.37
S/ 1,068.37 S/ 74.79 S/ 1,143.15 S/ -
S/ 3,000.00 S/ 639.46 S/ 3,639.46

PERIODO DE GRACIA TOTAL

AMORTIZACION INTERES CUOTA SALDO
S/ - S/ 210.00 S/ - S/ 3,210.00 P.GRACIA
S/ 998.48 S/ 224.70 S/ 1,223.18 S/ 2,211.52
S/ 1,068.37 S/ 154.81 S/ 1,223.18 S/ 1,143.15
S/ 1,143.15 S/ 80.02 S/ 1,223.18 S/ -
S/ 3,210.00 S/ 669.53 S/ 3,669.53

AS TRIMESTRALES
AMORTIZACION INTERES CUOTA SALDO
MORTIZACION = CUOTA - INTERESES

MORTIZACION = CUOTA - INTERESES

PRESTAMO S/ 3,000.00
TEA(ie) 7%
T = PERIODOS(t) 4 CUOTAS ANUALES
PERIODO DE GRACIA 2 AÑOS
FRC 0.55309
CUOTA ( C ) = DEUDA x FRC S/ 1,659.28
CUOTA S/ 1,659.28
PERIODO DE GRACIA PARCIAL
PERIODOS DEUDA AMORTIZACION INTERES CUOTA
1 AÑO S/ 3,000.00 S/ - S/ 210.00 S/ 210.00
2 AÑO S/ 3,000.00 S/ - S/ 210.00 S/ 210.00
3 AÑO S/ 3,000.00 S/ 1,449.28 S/ 210.00 S/ 1,659.28
4 AÑO S/ 1,550.72 S/ 1,550.72 S/ 108.55 S/ 1,659.28
TOTALES S/ 3,000.00 S/ 738.55 S/ 3,738.55

PERIODO DE GRACIA 2 AÑOS

FRC 0.55309
CUOTA ( C ) = DEUDA x FRC S/ 1,899.70
CUOTA S/ 1,899.70
PERIODO DE GRACIA TOTAL
PERIODOS DEUDA AMORTIZACION INTERES CUOTA
1 AÑO S/ 3,000.00 S/ - S/ 210.00 S/ -
2 AÑO S/ 3,210.00 S/ - S/ 224.70 S/ -
3 AÑO S/ 3,434.70 S/ 1,659.28 S/ 240.43 S/ 1,899.70
4 AÑO S/ 1,775.42 S/ 1,775.42 S/ 124.28 S/ 1,899.70
TOTALES S/ 3,434.70 S/ 799.41 S/ 3,799.41
 SALDO
S/ 3,000.00 P.GRACIA
S/ 3,000.00 P.GRACIA
S/ 1,550.72
S/ -

SALDO
S/ 3,210.00 P.GRACIA
S/ 3,434.70 P.GRACIA
S/ 1,775.42
S/ -
PRESTAMO S/ 25,000.00
TASA NOMINAL ANUAL 36% CAPITALIZACION MENSUAL
T = PERIODOS 4 CUOTAS TRIMESTRALES

TASA EFECTIVA ANUAL 42.58%

TASA EFECTIVA TRIMESTRAL 9.27%

FRC 0.3105183
INTERES (I)
AMORTIZACION (A)
CUOTA ( C ) S/ 7,762.96 DEUDA x FRC
CUOTA (C) S/ 7,762.96 EXCEL

PERIODOS DEUDA
1TRIM S/ 25,000.00
2TRIM S/ 19,555.22
3TRIM S/ 13,605.56
4TRIM S/ 7,104.20
TOTALES

PRESTAMO S/ 50,000.00
TASA NOMINAL ANUAL 30% CAPITALIZACION TRIMESTRAL
T = PERIODOS(t) 6 CUOTAS BIMESTRALES

TASA EFECTIVA ANUAL 33.55%

TASA EFECTIVA BIMESTRAL(ie) 4.94%

FRC 0.19663642232
INTERES (I)
AMORTIZACION (A)
CUOTA ( C ) S/ 9,831.82 DEUDA x FRC
CUOTA © S/ 9,831.82
 PERIODOS DEUDA
1BIM S/ 50,000.00
2BIM S/ 42,637.93
3BIM S/ 34,912.20
4BIM S/ 26,804.87
5BIM S/ 18,297.08
6BIM S/ 9,369.04
TOTALES
ZACION MENSUAL
TRIMESTRALES

AMORTIZACION = CUOTA - INT

AMORTIZACION INTERES CUOTA SALDO

S/ 5,444.78 S/ 2,318.18 S/ 7,762.96 S/ 19,555.22
S/ 5,949.66 S/ 1,813.30 S/ 7,762.96 S/ 13,605.56
S/ 6,501.35 S/ 1,261.60 S/ 7,762.96 S/ 7,104.20
S/ 7,104.20 S/ 658.75 S/ 7,762.96 S/ -
S/ 25,000.00 S/ 6,051.83 S/ 31,051.83

ZACION TRIMESTRAL
BIMESTRALES

AMORTIZACION = CUOTA - INTERESES

 AMORTIZACION INTERES CUOTA SALDO
S/ 7,362.07 S/ 2,469.75 S/ 9,831.82 S/ 42,637.93
S/ 7,725.72 S/ 2,106.10 S/ 9,831.82 S/ 34,912.20
S/ 8,107.33 S/ 1,724.49 S/ 9,831.82 S/ 26,804.87
S/ 8,507.80 S/ 1,324.03 S/ 9,831.82 S/ 18,297.08
S/ 8,928.04 S/ 903.78 S/ 9,831.82 S/ 9,369.04
S/ 9,369.04 S/ 462.78 S/ 9,831.82 S/ -
S/ 50,000.00 S/ 8,990.93 S/ 58,990.93
ON = CUOTA - INTERESES

OTA - INTERESES
METODO FRANCES

Préstamo 12,000
Moneda Dólares
Número de cuotas 12 𝑇𝐸 a⁡= ((1+𝑇𝐸𝑏)^((𝑡𝑖𝑒𝑚𝑝𝑜𝑡𝑎𝑠𝑎𝑝𝑜𝑟𝑐𝑜𝑛𝑜𝑐𝑒𝑟(𝑎))/(
Periodo de pago mensual
TEA 40%
TEM 𝐶𝑈𝑂𝑇𝐴=𝐷𝐸𝑈𝐷𝐴𝑥(𝑖𝑒/
Cuota (1−(1+𝑖𝑒)^(−𝑡) ))

Préstamo 17,500.00
Moneda Nuevos soles
Número de cuotas 18
Periodo de pago mensual
TEA 32.65%
TEM
Cuota
Préstamo S/ 12,000.00 TEA 40%
Número de meses 12 TEM
Períodos de gracia parcial 3 Cuota

Préstamo S/ 12,000.00 TEA 40%

Número de meses 12 TEM 5.00%
Periodo de gracia total 3 Cuota
𝑠𝑎𝑝𝑜𝑟𝑐𝑜𝑛𝑜𝑐𝑒𝑟(𝑎))/(𝑡𝑖𝑒𝑚𝑝𝑜𝑡𝑎𝑠𝑎𝑐𝑜𝑛𝑜𝑐𝑖𝑑𝑎(𝑏)))−1)

𝐶𝑈𝑂𝑇𝐴=𝐷𝐸𝑈𝐷𝐴𝑥𝐹𝑅𝐶