CRONOGRAMA DE PAGOS

MODALIDAD : INTERES VENCIDO CUOTA FIJA

METODO FRANCES

CAPITAL 2,600,000.00
TASA EFECTIVA ANUAL
TASA EFECTIVA MENSUAL
PLAZO (NRO. CUOTAS MENSUALES) 48
CUOTA MENSUAL (FUNCION)
FECHA DE DESEMBOLSO

Nº F.PAGO AMORT. INTERES CUOTA SALDO

0 2,600,000.00
1 S/ 125,964.39 S/ 85,800.00 S/ 211,764.39 S/ 2,474,035.61
2 S/ 130,121.21 S/ 81,643.18 S/ 211,764.39 S/ 2,343,914.40
3 S/ 134,415.21 S/ 77,349.18 S/ 211,764.39 S/ 2,209,499.19
4 S/ 138,850.92 S/ 72,913.47 S/ 211,764.39 S/ 2,070,648.27
5 S/ 143,433.00 S/ 68,331.39 S/ 211,764.39 S/ 1,927,215.27
6 S/ 148,166.29 S/ 63,598.10 S/ 211,764.39 S/ 1,779,048.98
7 S/ 153,055.77 S/ 58,708.62 S/ 211,764.39 S/ 1,625,993.21
8 S/ 158,106.22 S/ 53,657.78 S/ 211,764.39 S/ 1,467,886.99
9 S/ 163,324.12 S/ 48,440.27 S/ 211,764.39 S/ 1,304,562.87
10 S/ 168,713.82 S/ 43,050.57 S/ 211,764.39 S/ 1,135,849.05
11 S/ 174,281.37 S/ 37,483.02 S/ 211,764.39 S/ 961,567.68
12 S/ 180,032.66 S/ 31,731.73 S/ 211,764.39 S/ 781,535.02
13 S/ 185,972.73 S/ 25,790.66 S/ 211,764.39 S/ 595,561.29
14 S/ 192,110.87 S/ 19,653.52 S/ 211,764.39 S/ 403,450.42
15 S/ 198,450.53 S/ 13,313.86 S/ 211,764.39 S/ 204,999.89
16 S/ 204,999.40 S/ 6,764.99 S/ 211,764.39 S/ 0.49
17
18
19
20
21
22
23
24
TOTALES S/ 2,599,998.51 S/ 788,230.34 S/ 3,388,230.24
 CRONOGRAMA DE PAGOS
MODALIDAD : INTERES VENCIDO AMORTIZACION FIJA
METODO ALEMAN
CAPITAL
TASA EFECTIVA ANUAL
TASA EFECTIVA MENSUAL
PLAZO (NRO. CUOTAS MENSUALES)
AMORTIZACION MENSUAL
FECHA DE DESEMBOLSO

Nº F.PAGO AMORT. INTERES CUOTA SALDO

0 1,000,000.00
1 S/ 125,000.00 S/ 63,000.00 S/ 188,000.00 S/ 875,000.00
2 S/ 125,000.00 S/ 55,125.00 S/ 180,125.00 S/ 750,000.00
3 S/ 125,000.00 S/ 47,250.00 S/ 172,250.00 S/ 625,000.00
4 S/ 125,000.00 S/ 39,375.00 S/ 164,375.00 S/ 500,000.00
5 S/ 125,000.00 S/ 31,500.00 S/ 156,500.00 S/ 375,000.00
6 S/ 125,000.00 S/ 23,625.00 S/ 148,625.00 S/ 250,000.00
7 S/ 125,000.00 S/ 15,750.00 S/ 140,750.00 S/ 125,000.00
8 S/ 125,000.00 S/ 7,875.00 S/ 132,875.00 S/ -
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
TOTALES 1000000.00 S/ 283,500.00 S/ 1,283,500.00
 CASO : PRESTAMO DE CONSUMO
IMPORTE DEL PRESTAMO $5,000.00 PLAZO (AÑOS) 1
FECHA DE PRESTAMO 31-Jan-23 NUMERO DE CUOTAS 12
TASA EFECTIVA ANUAL 25.00% CUOTA TOTAL $ 471.55
TASA EFECTIVA MENSUAL 1.88% SEG DESGRAV. (Saldo) 0.08%
COSTO DEL PERIODO 2.06%
COSTO EFECTIVO ANUAL 27.73% PORTES $3.00

Nº DE FECHA AMORTI- INTERES SEGURO PORTES CUOTA SALDO

CUOTA PAGO ZACION DESGRAV. TOTAL DEUDA
0 $5,000.00
1 2-Mar-23 $373.70 $93.85 $4.00 $3.00 $474.55 $4,626.30
2 1-Apr-23 $381.01 $86.83 $3.70 $3.00 $474.55 $4,245.28
3 1-May-23 $388.47 $79.68 $3.40 $3.00 $474.55 $3,856.81
4 31-May-23 $396.07 $72.39 $3.09 $3.00 $474.55 $3,460.74
5 30-Jun-23 $403.82 $64.96 $2.77 $3.00 $474.55 $3,056.91
6 30-Jul-23 $411.73 $57.38 $2.45 $3.00 $474.55 $2,645.19
7 29-Aug-23 $419.78 $49.65 $2.12 $3.00 $474.55 $2,225.40
8 28-Sep-23 $428.00 $41.77 $1.78 $3.00 $474.55 $1,797.41
9 28-Oct-23 $436.37 $33.74 $1.44 $3.00 $474.55 $1,361.03
10 27-Nov-23 $444.91 $25.55 $1.09 $3.00 $474.55 $916.12
11 27-Dec-23 $453.62 $17.19 $0.73 $3.00 $474.55 $462.50
12 26-Jan-24 $462.50 $8.68 $0.37 $3.00 $474.55 $0.00
TOTALES $5,000.00 $631.66 $26.92 $36.00 $5,694.58

TCEM
TCEA
FLUJO
DE CAJA
$5,000.00
-$474.55
-$474.55
-$474.55
-$474.55
-$474.55
-$474.55
-$474.55
-$474.55
-$474.55
-$474.55
-$474.55
-$474.55

2.06%
27.73%
CASO : PRESTAMO VEHICULAR

Valor del Vehículo $20,000.00

% de financiamiento 80%
Importe del préstamo $16,000.00
Fecha de desembolso 31-Jan-23
Tasa efectiva anual 12.00%
Tasa efectiva trimestral 2.87% Se aplica sobre el saldo del
préstamo
Plazo de la operación 3 año(s)
Número de cuotas 12
Cuota simple $1,673.65
Se aplica sobre el valor
Seguro desgravamen 0.035% del vehículo no del
préstamo
Seguro vehicular 0.30%
Portes $15.00

Nº DE SEGURO SEGURO PORTES CUOTA MONTO

AMORTIZACIÓN INTERES
CUOTA DESGRAV. VEHICULAR TOTAL FINAL
0 -16,000.0
1 1,133.3 459.8 5.6 60.0 15.0 1,673.6 1,673.6
2 1,166.2 427.2 5.2 60.0 15.0 1,673.6 1,673.6
3 1,200.1 393.7 4.8 60.0 15.0 1,673.6 1,673.6
4 1,235.0 359.2 4.4 60.0 15.0 1,673.6 1,673.6
5 1,271.0 323.7 3.9 60.0 15.0 1,673.6 1,673.6
6 1,307.9 287.2 3.5 60.0 15.0 1,673.6 1,673.6
7 1,346.0 249.6 3.0 60.0 15.0 1,673.6 1,673.6
8 1,385.1 210.9 2.6 60.0 15.0 1,673.6 1,673.6
9 1,425.4 171.1 2.1 60.0 15.0 1,673.6 1,673.6
10 1,466.9 130.2 1.6 60.0 15.0 1,673.6 1,673.6
11 1,509.6 88.0 1.1 60.0 15.0 1,673.6 1,673.6
12 1,553.5 44.6 0.5 60.0 15.0 1,673.6 1,673.6

TCEM 3.68%
TCEA 15.57%
SALDO

16,000.0
14,866.7
13,700.5
12,500.4
11,265.4
9,994.4
8,686.4
7,340.5
5,955.3
4,529.9
3,063.0
1,553.5
0.0
 CRONOGRAMA DE PAGOS
MODALIDAD : INTERES VENCIDO CUOTA FIJA
METODO FRANCES

CAPITAL 10,000.00 Se convierte la tasa efectiva anu

TASA EFECTIVA ANUAL 55.00%
TEM =((1+TEA)^(30/360))-1
TASA EFECTIVA MENSUAL 3.72%
PLAZO (NRO. CUOTAS MENSUALES) 12
Se convierte la tasa efectiva anu
CUOTA MENSUAL (FUNCION) S/. 1,048.26
CARGOS MENSUALES S/. 5.50 =PAGO(tasa;nper;-capital)
CARGOS POR UNICA VEZ S/. 120.00
FECHA DE DESEMBOLSO 1/31/2023

F.DESEMB +30
SALDO X TEM AMORT + INTERES
CUOTA -INTERES

Nº F.PAGO AMORT. INTERES CUOTA COMISION

0 1/31/2023 120
1 3/2/2023 676.30 371.96 1048.26
2 4/1/2023 701.45 346.81 1048.26
3 5/1/2023 727.54 320.72 1048.26
4 5/31/2023 754.61 293.65 1048.26
5 6/30/2023 782.67 265.59 1048.26
6 7/30/2023 811.79 236.47 1048.26
7 8/29/2023 841.98 206.28 1048.26
8 9/28/2023 873.30 174.96 1048.26
9 10/28/2023 905.79 142.48 1048.26
10 11/27/2023 939.48 108.78 1048.26
11 12/27/2023 974.42 73.84 1048.26
12 1/26/2024 1010.67 37.59 1048.26
TOTALES 10000.00 2579.13 12579.13 120.00
Se convierte la tasa efectiva anual a mensual

TEM =((1+TEA)^(30/360))-1

Se convierte la tasa efectiva anual a mensual

=PAGO(tasa;nper;-capital)

SALDO ANT - AMORT

CARGO MENSUAL MONTO FINAL SALDO

- 9,880.00 10,000.00
5.50 1,053.76 9,323.70
5.50 1,053.76 8,622.25
5.50 1,053.76 7,894.71
5.50 1,053.76 7,140.10
5.50 1,053.76 6,357.42
5.50 1,053.76 5,545.64
5.50 1,053.76 4,703.65
5.50 1,053.76 3,830.35
5.50 1,053.76 2,924.57
5.50 1,053.76 1,985.09
5.50 1,053.76 1,010.67
5.50 1,053.76 0.00
66.00

TCEM 4.02%
TCEA 60.41%