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PERFIL DE CLIENTE
Anghie edad de 19 años quiere comprar una laptop para sus estudios, una
laptop actualizada y de buena calidad valorizada en S/. 5000.00
1 SEMANA S/ 250.00
S/
SERVICIOS 250.00
2 SEMANA S/ 250.00 S/
PASAJES 150.00
3 SEMANA S/ 250.00 S/
ALIMENTACION 400.00
4 SEMANA S/ 250.00
S/
IMPREVISTOS 250.00
MENSUAL S/ 1,000.00 S/ 930.00
S/ EGRESOS S/
INGRESOS MENSUALES 1,930.00 MENSUALES 1,335.00
FONDO
N SALDO CAPITAL INTERES DESG. CUOTA
TEA 26.82%TEM 2.00% S/ S/ S/ S/ S/
1 5,000.00 371.59 99.99 2.91 474.48
TEA TEM S/ S/ S/ S/ S/
2 4,628.41 379.23 92.56 2.69 474.48
DESG 0.70% DESG 0.06%
S/ S/ S/ S/ S/
3 4,249.18 387.04 84.97 2.47 474.48
S/ S/ S/ S/ S/
TCEA 27.52%TCEM 2.06% 4 3,862.14 395.00 77.23 2.25 474.48
S/ S/ S/ S/ S/
5 3,467.14 403.13 69.33 2.02 474.48
S/ S/ S/ S/ S/
S/ 6 3,064.01 411.43 61.27 1.78 474.48
MONTO 5,000.00 S/ S/ S/ S/ S/
7 2,652.58 419.89 53.04 1.54 474.48
S/ S/ S/ S/ S/
PLAZO 12 8 2,232.69 428.53 44.65 1.30 474.48
S/ S/ S/ S/ S/ S/
CUOTA 474.48 9 1,804.16 437.35 36.08 1.05 474.48
INTERES S/ S/ S/ S/ S/ S/
10 1,366.80 446.35 27.33 0.79 474.48
TOTAL 674.16 S/ S/ S/ S/ S/
DESG S/ 11 920.45 455.54 18.41 0.54 474.48
TOTAL 19.60 S/ S/ S/ S/ S/
12 464.91 464.91 9.30 0.27 474.48
S/ S/ S/ S/ S/
MONTO TOTAL 5,693.76 5,000.00 674.16 19.60 5,693.76
HALLAMOS LA TCEA
S/
monto del prestamos 5,000.00
S/
cuota 472.79 TEA 26.82% TEM DESG. 0.06% TCEM 2.06%
FLIJO DE
N SALDO INICAL CAPITAL INTERES CUOTA SALDO FINAL S.D CUOTA FINAL CAJA
S/
0 5,000.00
S/ S/ S/ S/ S/ S/ S/ -S/
1 5,000.00 380.83 81.00 461.84 4,619.17 4.00 465.84 465.84
S/ S/ S/ S/ S/ S/ S/ -S/
2 4,619.17 387.00 74.83 461.84 4,232.17 3.70 465.53 465.53
S/ S/ S/ S/ S/ S/ S/ -S/
3 4,232.17 393.27 68.56 461.84 3,838.89 3.39 465.22 465.22
S/ S/ S/ S/ S/ S/ S/ -S/
4 3,838.89 399.64 62.19 461.84 3,439.25 3.07 464.91 464.91
S/ S/ S/ S/ S/ S/ S/ -S/
5 3,439.25 406.12 55.72 461.84 3,033.13 2.75 464.59 464.59
S/ S/ S/ S/ S/ S/ S/ -S/
6 3,033.13 412.70 49.14 461.84 2,620.44 2.43 464.26 464.26
S/ S/ S/ S/ S/ S/ S/ -S/
7 2,620.44 419.38 42.45 461.84 2,201.05 2.10 463.93 463.93
S/ S/ S/ S/ S/ S/ S/ -S/
8 2,201.05 426.18 35.66 461.84 1,774.88 1.76 463.60 463.60
S/ S/ S/ S/ S/ S/ S/ -S/
9 1,774.88 433.08 28.75 461.84 1,341.80 1.42 463.26 463.26
S/ S/ S/ S/ S/ S/ S/ -S/
10 1,341.80 440.10 21.74 461.84 901.70 1.07 462.91 462.91
S/ S/ S/ S/ S/ S/ S/ -S/
11 901.70 447.23 14.61 461.84 454.47 0.72 462.56 462.56
S/ S/ S/ S/ -S/ S/ S/ -S/
12 454.47 454.47 7.36 461.84 0.00 0.36 462.20 462.20
COMPARACION
PLAZO 12 PLAZO 12
INTERES
TOTAL S/ 674.16 INTERES TOTAL S/ 542.82