Documentos de Académico
Documentos de Profesional
Documentos de Cultura
convencionales,
N
O
Cliente
rechaza la
cotizacin
C
L
I
E
N
T
E
SI
E
M
P
R
E
S
A
N
O
D
E
L
E
A
S
I
N
G
N
O
Evaluaci
n
negativa
notaria
C
L
I
E
N
T
E
si
Contrato firmado
La empresa de
lasing enva orden
de compra. Bien
asegurado
automticamente
Cliente recibe el
bien
Acta de
recepcin
conforme
Proveedor
del bien
Entre factura y
entrega acta de
recepcin conforme
E
M
P
R
E
S
A
D
E
L
E
A
S
I
N
G
Factura
-acta de
recepcin
-Contrato
firmado
-Orden de
pago
Ejemplo:
La Empresa El Mundo Grfico SAC ha incrementado sus
ventas en los ltimos aos y necesita incrementar su
capacidad productiva por lo que se ve en la necesidad de
adquirir una maquinaria de impresin para poder
cubrir su demanda .
07/06/2011
Cliente
Tipo de bien
Precio venta
118,000.00
Valor venta
100,000.00
Plazo (N de pagos)
IGV
Cuota Inicial %
36.00
18,000.00
20%
Cuota Inicial
20,000.00
Monto a Financiar
80,000.00
meses
18.00%
ms IGV
ms IGV
19.25%
1.4779%
Comisin Estructuracin
1%
Opc de compra
1 % ms IGV
Moneda
Cuota
US$
2,881.57
ms IGV
CRONOGRAMA DE PAGOS
Cuota
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
Saldo Capital
80,000.00
78,300.76
76,576.42
74,826.58
73,050.89
71,248.95
69,420.38
67,564.79
65,681.77
63,770.93
61,831.84
59,864.10
57,867.27
55,840.93
53,784.65
51,697.97
49,580.46
47,431.65
45,251.08
43,038.28
40,792.79
38,514.10
36,201.74
33,855.20
31,473.99
29,057.58
26,605.46
24,117.10
21,591.96
19,029.51
16,429.18
13,790.42
11,112.67
8,395.33
5,637.84
2,839.60
0.00
Inters
1,182.33
1,157.22
1,131.73
1,105.87
1,079.63
1,053.00
1,025.97
998.55
970.72
942.48
913.82
884.74
855.23
825.28
794.89
764.05
732.76
701.00
668.77
636.07
602.88
569.21
535.03
500.35
465.16
429.45
393.21
356.43
319.11
281.24
242.81
203.81
164.24
124.08
83.32
41.97
Amortizacion
20,000.00
1,699.24
1,724.35
1,749.83
1,775.69
1,801.94
1,828.57
1,855.59
1,883.02
1,910.85
1,939.09
1,967.75
1,996.83
2,026.34
2,056.29
2,086.68
2,117.51
2,148.81
2,180.57
2,212.79
2,245.50
2,278.68
2,312.36
2,346.54
2,381.22
2,416.41
2,452.12
2,488.36
2,525.14
2,562.46
2,600.33
2,638.76
2,677.76
2,717.33
2,757.49
2,798.24
2,839.60
IGV
3,600.00
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
518.68
Portes
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
Total
Fecha de Venc.
23,600.00
02/07/2011
3,403.25
02/08/2011
3,403.25
02/09/2011
3,403.25
02/10/2011
3,403.25
02/11/2011
3,403.25
02/12/2011
3,403.25
02/01/2012
3,403.25
02/02/2012
3,403.25
02/03/2012
3,403.25
02/04/2012
3,403.25
02/05/2012
3,403.25
02/06/2012
3,403.25
02/07/2012
3,403.25
02/08/2012
3,403.25
02/09/2012
3,403.25
02/10/2012
3,403.25
02/11/2012
3,403.25
02/12/2012
3,403.25
02/01/2013
3,403.25
02/02/2012
3,403.25
02/03/2012
3,403.25
02/04/2012
3,403.25
02/05/2012
3,403.25
02/06/2012
3,403.25
02/07/2012
3,403.25
02/08/2012
3,403.25
02/09/2012
3,403.25
02/10/2012
3,403.25
02/11/2012
3,403.25
02/12/2012
3,403.25
02/01/2013
3,403.25
02/02/2013
3,403.25
02/03/2013
3,403.25
02/04/2013
3,403.25
02/05/2013
3,403.25
02/06/2013
3,403.25
02/07/2013
07/06/2011
El Mundo Grfico SAC
01 Impresora Offset 4 Colores ao
2010
118,000.00
100,000.00
36.00
18,000.00
20%
20,000.00
80,000.00
meses
18.00%
ms IGV
ms IGV
18.00%
1.3888%
1 % ms IGV
1 % ms IGV
US$
Cuota
2,838.94
CRONOGRAMA DE PAGOS
Cuota
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
Saldo Capital
80,000.00
78,272.13
76,520.27
74,744.07
72,943.21
71,117.33
69,266.10
67,389.15
65,486.14
63,556.69
61,600.46
59,617.05
57,606.09
55,567.21
53,500.01
51,404.09
49,279.07
47,124.54
44,940.08
42,725.29
40,479.73
38,202.99
35,894.63
33,554.21
31,181.28
28,775.40
26,336.10
23,862.92
21,355.40
18,813.05
16,235.39
13,621.93
10,972.18
8,285.62
5,561.75
2,800.05
-0.00
Inters
1,111.07
1,087.08
1,062.75
1,038.08
1,013.07
987.71
962.00
935.93
909.50
882.70
855.53
827.99
800.06
771.74
743.03
713.92
684.41
654.49
624.15
593.39
562.20
530.58
498.52
466.02
433.06
399.65
365.77
331.42
296.59
261.28
225.48
189.19
152.39
115.07
77.24
38.89
Amortizacin
20,000.00
1,727.87
1,751.87
1,776.20
1,800.86
1,825.88
1,851.23
1,876.95
1,903.01
1,929.44
1,956.24
1,983.41
2,010.96
2,038.88
2,067.20
2,095.91
2,125.02
2,154.53
2,184.46
2,214.80
2,245.56
2,276.74
2,308.36
2,340.42
2,372.93
2,405.88
2,439.30
2,473.18
2,507.52
2,542.35
2,577.66
2,613.46
2,649.76
2,686.56
2,723.87
2,761.70
2,800.05
IGV
3,600.00
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
511.01
Portes
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
Total
Fecha de Venc.
23,600.00
02/07/2011
3,352.95
02/08/2011
3,352.95
02/09/2011
3,352.95
02/10/2011
3,352.95
02/11/2011
3,352.95
02/12/2011
3,352.95
02/01/2012
3,352.95
02/02/2012
3,352.95
02/03/2012
3,352.95
02/04/2012
3,352.95
02/05/2012
3,352.95
02/06/2012
3,352.95
02/07/2012
3,352.95
02/08/2012
3,352.95
02/09/2012
3,352.95
02/10/2012
3,352.95
02/11/2012
3,352.95
02/12/2012
3,352.95
02/01/2013
3,352.95
02/02/2012
3,352.95
02/03/2012
3,352.95
02/04/2012
3,352.95
02/05/2012
3,352.95
02/06/2012
3,352.95
02/07/2012
3,352.95
02/08/2012
3,352.95
02/09/2012
3,352.95
02/10/2012
3,352.95
02/11/2012
3,352.95
02/12/2012
3,352.95
02/01/2013
3,352.95
02/02/2013
3,352.95
02/03/2013
3,352.95
02/04/2013
3,352.95
02/05/2013
3,352.95
02/06/2013
3,352.95
02/07/2013
118,000.00
VALOR DE VENTA
100,000.00
CUOTA INICIAL
20,000.00
MONTO A FINANCIAR
80,000.00
PLAZO
36 meses
MONEDA
USD
TASA BCP
19.25% TEA*
18.00% TEA*
23,736.40
22,201.93
duracin de contrato
S/.42,000
S/.28,000
S/.51,000
tasa de deprecacin
S/.17,000
S/.1,500
Amortizacion
Cuotas
Saldo Capital
Total Cuota
Capital
IGV
Total
Interes
41,530.89
28,683.98
12,846.91
4,153.09
17,000.00
3,230.00
20,230.00
14,552.38
14,131.60
2,868.40
17,000.00
3,230.00
20,230.00
0.00
15,544.76
1,455.24
17,000.00
3,230.00
20,230.00
1,500.00
0.00
1,500.00
285.00
1,785.00
44,023.28
8,476.72
52,500.00
9,975.00
62,475.00