25,000.

00 Capital Actual
18% Tasa Efectiva anual
2 aos

Tasa Periodo
24 cuotas
Factor Actualizacion
Cuota

Cuota Nro.
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

CRONOGRAMA DE PAGOS
Capital
Amort Int
Cuota
25,000.00
347.21
1,232.05
24,115.16
334.92
1,232.05
23,218.03
322.46
1,232.05
22,308.45
309.83
1,232.05
21,386.23
297.02
1,232.05
20,451.20
284.04
1,232.05
19,503.18
270.87
1,232.05
18,542.00
257.52
1,232.05
17,567.47
243.98
1,232.05
16,579.41
230.26
1,232.05
15,577.62
216.35
1,232.05
14,561.92
202.24
1,232.05
13,532.11
187.94
1,232.05
12,488.00
173.44
1,232.05
11,429.39
158.74
1,232.05
10,356.08
143.83
1,232.05
9,267.86
128.72
1,232.05
8,164.52
113.39
1,232.05
7,045.87
97.86
1,232.05
5,911.67
82.10
1,232.05
4,761.73
66.13
1,232.05
3,595.81
49.94
1,232.05
2,413.70
33.52
1,232.05
1,215.17
16.88
1,232.05
-0.00
-0.00
1,232.05
-1,232.05
-17.11
1,232.05
-2,481.21
-34.46
1,232.05
-3,747.72
-52.05
1,232.05
-5,031.82
-69.88
1,232.05
-6,333.75
-87.97
1,232.05
-7,653.77
-106.30
1,232.05
-8,992.12
-124.89
1,232.05
-10,349.05
-143.73
1,232.05

Amortiz Capital
884.84
897.13
909.59
922.22
935.03
948.01
961.18
974.53
988.06
1,001.79
1,015.70
1,029.81
1,044.11
1,058.61
1,073.31
1,088.22
1,103.33
1,118.66
1,134.19
1,149.95
1,165.92
1,182.11
1,198.53
1,215.17
1,232.05
1,249.16
1,266.51
1,284.10
1,301.93
1,320.02
1,338.35
1,356.94
1,375.78

34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78

-11,724.83
-13,119.72
-14,533.99
-15,967.89
-17,421.71
-18,895.72
-20,390.20
-21,905.44
-23,441.72
-24,999.34
-26,578.59
-28,179.77
-29,803.20
-31,449.16
-33,117.99
-34,810.00
-36,525.51
-38,264.84
-40,028.33
-41,816.31
-43,629.12
-45,467.11
-47,330.62
-49,220.02
-51,135.66
-53,077.90
-55,047.12
-57,043.69
-59,067.99
-61,120.40
-63,201.31
-65,311.13
-67,450.25
-69,619.08
-71,818.03
-74,047.52
-76,307.97
-78,599.82
-80,923.49
-83,279.44
-85,668.11
-88,089.96
-90,545.44
-93,035.02
-95,559.18

-162.84
-182.21
-201.85
-221.77
-241.96
-262.43
-283.19
-304.23
-325.57
-347.20
-369.13
-391.37
-413.92
-436.78
-459.96
-483.46
-507.28
-531.44
-555.93
-580.76
-605.94
-631.47
-657.35
-683.59
-710.19
-737.17
-764.52
-792.25
-820.36
-848.87
-877.77
-907.07
-936.78
-966.90
-997.44
-1,028.40
-1,059.80
-1,091.63
-1,123.90
-1,156.62
-1,189.80
-1,223.43
-1,257.53
-1,292.11
-1,327.17

1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05

1,394.89
1,414.26
1,433.90
1,453.82
1,474.01
1,494.48
1,515.24
1,536.28
1,557.62
1,579.25
1,601.18
1,623.42
1,645.97
1,668.83
1,692.01
1,715.51
1,739.33
1,763.49
1,787.98
1,812.81
1,837.99
1,863.52
1,889.40
1,915.64
1,942.24
1,969.22
1,996.57
2,024.30
2,052.41
2,080.92
2,109.82
2,139.12
2,168.83
2,198.95
2,229.49
2,260.45
2,291.85
2,323.68
2,355.95
2,388.67
2,421.85
2,455.48
2,489.58
2,524.16
2,559.22

79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123

-98,118.40
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###

-1,362.71
-1,398.75
-1,435.29
-1,472.33
-1,509.89
-1,547.97
-1,586.58
-1,625.73
-1,665.42
-1,705.66
-1,746.46
-1,787.83
-1,829.77
-1,872.29
-1,915.41
-1,959.12
-2,003.44
-2,048.38
-2,093.94
-2,140.13
-2,186.96
-2,234.45
-2,282.59
-2,331.40
-2,380.89
-2,431.07
-2,481.95
-2,533.53
-2,585.83
-2,638.85
-2,692.61
-2,747.12
-2,802.38
-2,858.42
-2,915.23
-2,972.83
-3,031.22
-3,090.43
-3,150.47
-3,211.33
-3,273.04
-3,335.61
-3,399.05
-3,463.37
-3,528.58

1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05

2,594.76
2,630.80
2,667.33
2,704.38
2,741.94
2,780.02
2,818.63
2,857.78
2,897.47
2,937.71
2,978.51
3,019.88
3,061.82
3,104.34
3,147.46
3,191.17
3,235.49
3,280.42
3,325.98
3,372.18
3,419.01
3,466.50
3,514.64
3,563.45
3,612.94
3,663.12
3,714.00
3,765.58
3,817.88
3,870.90
3,924.66
3,979.17
4,034.43
4,090.47
4,147.28
4,204.87
4,263.27
4,322.48
4,382.52
4,443.38
4,505.09
4,567.66
4,631.10
4,695.42
4,760.63

124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168

###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###

-3,594.70
-3,661.74
-3,729.70
-3,798.61
-3,868.48
-3,939.32
-4,011.14
-4,083.96
-4,157.79
-4,232.65
-4,308.55
-4,385.50
-4,463.51
-4,542.62
-4,622.82
-4,704.13
-4,786.58
-4,870.17
-4,954.92
-5,040.84
-5,127.96
-5,216.30
-5,305.85
-5,396.65
-5,488.72
-5,582.06
-5,676.69
-5,772.65
-5,869.93
-5,968.57
-6,068.57
-6,169.96
-6,272.77
-6,377.00
-6,482.68
-6,589.82
-6,698.45
-6,808.60
-6,920.27
-7,033.49
-7,148.29
-7,264.68
-7,382.68
-7,502.33
-7,623.63

1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05

4,826.75
4,893.79
4,961.75
5,030.66
5,100.53
5,171.37
5,243.19
5,316.01
5,389.84
5,464.70
5,540.60
5,617.55
5,695.56
5,774.67
5,854.87
5,936.18
6,018.63
6,102.22
6,186.97
6,272.89
6,360.01
6,448.34
6,537.90
6,628.70
6,720.77
6,814.11
6,908.74
7,004.70
7,101.98
7,200.62
7,300.62
7,402.01
7,504.82
7,609.05
7,714.72
7,821.87
7,930.50
8,040.65
8,152.32
8,265.54
8,380.34
8,496.73
8,614.73
8,734.38
8,855.68

169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213

###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###

-7,746.63
-7,871.33
-7,997.76
-8,125.94
-8,255.91
-8,387.69
-8,521.29
-8,656.75
-8,794.09
-8,933.33
-9,074.52
-9,217.66
-9,362.79
-9,509.93
-9,659.12
-9,810.38
-9,963.75
-10,119.24
-10,276.89
-10,436.73
-10,598.79
-10,763.10
-10,929.70
-11,098.60
-11,269.86
-11,443.49
-11,619.53
-11,798.02
-11,978.99
-12,162.47
-12,348.50
-12,537.11
-12,728.34
-12,922.23
-13,118.81
-13,318.12
-13,520.20
-13,725.09
-13,932.82
-14,143.43
-14,356.98
-14,573.48
-14,793.00
-15,015.56
-15,241.21

1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05

8,978.68
9,103.38
9,229.81
9,357.99
9,487.96
9,619.74
9,753.34
9,888.80
10,026.14
10,165.38
10,306.57
10,449.71
10,594.84
10,741.98
10,891.17
11,042.43
11,195.80
11,351.29
11,508.94
11,668.78
11,830.84
11,995.15
12,161.75
12,330.65
12,501.91
12,675.54
12,851.58
13,030.07
13,211.04
13,394.52
13,580.55
13,769.16
13,960.39
14,154.28
14,350.86
14,550.17
14,752.25
14,957.14
15,164.87
15,375.48
15,589.03
15,805.53
16,025.05
16,247.61
16,473.26

214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241

###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###

-15,470.00
-15,701.97
-15,937.15
-16,175.61
-16,417.37
-16,662.49
-16,911.02
-17,163.00
-17,418.48
-17,677.51
-17,940.13
-18,206.40
-18,476.37
-18,750.09
-19,027.61
-19,308.98
-19,594.27
-19,883.51
-20,176.77
-20,474.11
-20,775.57
-21,081.23
-21,391.12
-21,705.32
-22,023.89
-22,346.87
-22,674.35
-23,006.37

1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05
1,232.05

16,702.05
16,934.02
17,169.20
17,407.66
17,649.42
17,894.54
18,143.07
18,395.05
18,650.53
18,909.56
19,172.18
19,438.45
19,708.42
19,982.14
20,259.66
20,541.03
20,826.32
21,115.56
21,408.82
21,706.16
22,007.62
22,313.27
22,623.17
22,937.37
23,255.94
23,578.92
23,906.40
24,238.42

Credito hipotecario
Plazo
TCEA
Cuota Mes

0.01388843

20.291391
Nro Cuota
1,232.05

Capital
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
37

140000
S/. 137,501.27
S/. 134,986.47
S/. 132,455.48
S/. 129,908.21
S/. 127,344.55
S/. 124,764.39
S/. 122,167.64
S/. 119,554.18
S/. 116,923.90
S/. 114,276.70
S/. 111,612.46
S/. 108,931.09
S/. 106,232.46
S/. 103,516.47
S/. 100,783.00
S/. 98,031.95
S/. 95,263.20
S/. 92,476.63
S/. 89,672.14
S/. 86,849.60
S/. 84,008.90
S/. 81,149.92
S/. 78,272.55
S/. 75,376.66
S/. 72,462.14
S/. 69,528.87
S/. 66,576.73
S/. 63,605.60
S/. 60,615.34
S/. 57,605.85
S/. 54,577.00
S/. 51,528.65
S/. 48,460.70
S/. 45,373.00
S/. 42,265.44
S/. 39,137.88

38
39
40
41
42
43
44
45
46
47
48

S/. 35,990.20
S/. 32,822.27
S/. 29,633.96
S/. 26,425.13
S/. 23,195.66
S/. 19,945.41
S/. 16,674.24
S/. 13,382.03
S/. 10,068.64
S/. 6,733.93
S/. 3,377.76

140000
4
8% TEM
S/. 3,399.49

Interes
900.7642154
S/. 884.69
868.506981
852.2225394
835.8333233
819.3386584
802.7378663
786.0302643
769.215165
752.2918769
735.2597038
718.1179453
700.8658961
683.5028467
666.028083
648.4408861
630.7405326
612.9262945
594.9974391
576.9532289
558.7929217
540.5157705
522.1210236
503.6079243
484.9757112
466.2236179
447.3508731
428.3567004
409.2403187
390.0009415
370.6377777
351.1500307
331.5368989
311.7975756
291.931249
271.9371018
251.8143116

140000 Tasa Buscada

48 Tasa Referenci
0.006 Periodos de Ta
Periodo Dese

Cuota
Amort. Capital
S/. 3,399.49
S/. 2,498.73
S/. 3,399.49
S/. 2,514.81
S/. 3,399.49
S/. 2,530.99
S/. 3,399.49
S/. 2,547.27
S/. 3,399.49
S/. 2,563.66
S/. 3,399.49
S/. 2,580.15
S/. 3,399.49
S/. 2,596.76
S/. 3,399.49
S/. 2,613.46
S/. 3,399.49
S/. 2,630.28
S/. 3,399.49
S/. 2,647.20
S/. 3,399.49
S/. 2,664.23
S/. 3,399.49
S/. 2,681.38
S/. 3,399.49
S/. 2,698.63
S/. 3,399.49
S/. 2,715.99
S/. 3,399.49
S/. 2,733.47
S/. 3,399.49
S/. 2,751.05
S/. 3,399.49
S/. 2,768.75
S/. 3,399.49
S/. 2,786.57
S/. 3,399.49
S/. 2,804.50
S/. 3,399.49
S/. 2,822.54
S/. 3,399.49
S/. 2,840.70
S/. 3,399.49
S/. 2,858.98
S/. 3,399.49
S/. 2,877.37
S/. 3,399.49
S/. 2,895.89
S/. 3,399.49
S/. 2,914.52
S/. 3,399.49
S/. 2,933.27
S/. 3,399.49
S/. 2,952.14
S/. 3,399.49
S/. 2,971.14
S/. 3,399.49
S/. 2,990.25
S/. 3,399.49
S/. 3,009.49
S/. 3,399.49
S/. 3,028.86
S/. 3,399.49
S/. 3,048.34
S/. 3,399.49
S/. 3,067.96
S/. 3,399.49
S/. 3,087.70
S/. 3,399.49
S/. 3,107.56
S/. 3,399.49
S/. 3,127.56
S/. 3,399.49
S/. 3,147.68

0.64340%
8.00%
12
1

231.5620508
211.1794864
190.6657799
170.0200876
149.2415603
128.3293434
107.2825766
86.10039426
64.78192514
43.32629234
21.73261336

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,399.49
3,399.49
3,399.49
3,399.49
3,399.49
3,399.49
3,399.49
3,399.49
3,399.49
3,399.49
3,399.49

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,167.93
3,188.31
3,208.83
3,229.47
3,250.25
3,271.16
3,292.21
3,313.39
3,334.71
3,356.17
3,377.76

Credito
TEA
n (meses)
Cuota

50000
18%
12
S/. 4,552.32

Nro Cuota

Capital
1
2
3
4
5
6
7
8
9
10
11
12

Credito
TEA
n (meses)
Cuota

50000
S/. 46,142.10
S/. 42,230.63
S/. 38,264.82
S/. 34,243.94
S/. 30,167.22
S/. 26,033.88
S/. 21,843.13
S/. 17,594.17
S/. 13,286.21
S/. 8,918.42
S/. 4,489.96

Tasa Buscada
Tasa Referenci
Periodos de Ta
Periodo Dese

Interes
694.421517
640.841379
S/. 586.52
531.438336
475.594617
418.975317
361.569663
303.366735
244.35546
184.52461
123.862805
62.3585014

$ 40,000.00
12%
48
$ 1,041.35

Nro Cuota

Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

40000
39,338.21
38,670.13
37,995.72
37,314.91
36,627.63
35,933.84
35,233.46
34,526.44
33,812.71
33,092.21
32,364.86
31,630.62
30,889.41
30,141.17
29,385.83
28,623.32
27,853.57

Cuota
S/. 4,552.32
S/. 4,552.32
S/. 4,552.32
S/. 4,552.32
S/. 4,552.32
S/. 4,552.32
S/. 4,552.32
S/. 4,552.32
S/. 4,552.32
S/. 4,552.32
S/. 4,552.32
S/. 4,552.32

Amort. Capital
S/. 3,857.90
S/. 3,911.48
S/. 3,965.80
S/. 4,020.88
S/. 4,076.72
S/. 4,133.34
S/. 4,190.75
S/. 4,248.95
S/. 4,307.96
S/. 4,367.79
S/. 4,428.46
S/. 4,489.96

Tasa Buscada
Tasa Referenci
Periodos de Ta
Periodo Dese
Interes
379.551717
$
373.27
$
366.93
$
360.53
$
354.07
$
347.55
$
340.97
$
334.32
$
327.61
$
320.84
$
314.01
$
307.10
$
300.14
$
293.10
$
286.00
$
278.84
$
271.60
$
264.30

1.38884%
18.00%
12
1

0.94888%
12.00%
12
1

Cuota
Amort. Capital
$ 1,041.35 $
661.79
$ 1,041.35 $
668.07
$ 1,041.35 $
674.41
$ 1,041.35 $
680.81
$ 1,041.35 $
687.27
$ 1,041.35 $
693.79
$ 1,041.35 $
700.38 $ 35,933.84
$ 1,041.35 $
707.02
$ 1,041.35 $
713.73
$ 1,041.35 $
720.50
$ 1,041.35 $
727.34
$ 1,041.35 $
734.24
$ 1,041.35 $
741.21
$ 1,041.35 $
748.24
$ 1,041.35 $
755.34
$ 1,041.35 $
762.51
$ 1,041.35 $
769.75
$ 1,041.35 $
777.05

19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

27,076.52
26,292.10
25,500.24
24,700.86
23,893.89
23,079.27
22,256.92
21,426.77
20,588.73
19,742.75
18,888.74
18,026.62
17,156.33
16,277.78
15,390.89
14,495.58
13,591.78
12,679.41
11,758.37
10,828.60
9,890.00
8,942.50
7,986.01
7,020.44
6,045.71
5,061.73
4,068.42
3,065.68
2,053.42
1,031.56
0.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

256.92
249.48
241.97
234.38
226.72
218.99
211.19
203.31
195.36
187.33
179.23
171.05
162.79
154.46
146.04
137.55
128.97
120.31
111.57
102.75
93.84
84.85
75.78
66.62
57.37
48.03
38.60
29.09
19.48
9.79

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35
1,041.35

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

784.42
791.87
799.38
806.96
814.62
822.35
830.15
838.03
845.98
854.01
862.11
870.29
878.55
886.89
895.30
903.80
912.38
921.03
929.77
938.60
947.50
956.49
965.57
974.73
983.98
993.32
1,002.74
1,012.26
1,021.86
1,031.56

Tasa Buscada
Tasa Referenci
Periodos de Ta
Periodo Dese

1.38884%
18.00%
12
1

$ 1,134.99
Cuota constante
Capital
Interes
Cuota
Amort. Capital
$35,933.84 $
499.06 $ 1,134.99 $
635.92
$35,297.92 $
490.23 $ 1,134.99 $
644.75
$34,653.17 $
481.28 $ 1,134.99 $
653.71
$33,999.46 $
472.20 $ 1,134.99 $
662.79
$33,336.67 $
462.99 $ 1,134.99 $
671.99
$32,664.68 $
453.66 $ 1,134.99 $
681.33
$31,983.35 $
444.20 $ 1,134.99 $
690.79
$31,292.57 $
434.60 $ 1,134.99 $
700.38
$30,592.18 $
424.88 $ 1,134.99 $
710.11
$29,882.08 $
415.02 $ 1,134.99 $
719.97
$29,162.10 $
405.02 $ 1,134.99 $
729.97
$28,432.13 $
394.88 $ 1,134.99 $
740.11

$27,692.02
$26,941.64
$26,180.83
$25,409.45
$24,627.36
$23,834.41
$23,030.45
$22,215.32
$21,388.87
$20,550.94
$19,701.38
$18,840.01
$17,966.68
$17,081.23
$16,183.47
$15,273.25
$14,350.38
$13,414.70
$12,466.02
$11,504.17
$10,528.96
$ 9,540.20
$ 8,537.72
$ 7,521.30
$ 6,490.78
$ 5,445.94
$ 4,386.59
$ 3,312.52
$ 2,223.54
$ 1,119.44
$
0.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

384.60
374.18
363.61
352.90
342.04
331.02
319.86
308.54
297.06
285.42
273.62
261.66
249.53
237.23
224.76
212.12
199.30
186.31
173.13
159.77
146.23
132.50
118.58
104.46
90.15
75.64
60.92
46.01
30.88
15.55
0.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99
1,134.99

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

750.39
760.81
771.38
782.09
792.95
803.96
815.13
826.45
837.93
849.57
861.37
873.33
885.46
897.75
910.22
922.86
935.68
948.68
961.85
975.21
988.76
1,002.49
1,016.41
1,030.53
1,044.84
1,059.35
1,074.06
1,088.98
1,104.10
1,119.44
1,134.99

Variacion de cuota
Capital
Interes
S/. 31,630.62 S/. 10,000.00 S/. 21,630.62
S/. 205.25
S/. 21,123.75
S/. 200.44
S/. 20,612.06
S/. 195.58
S/. 20,095.52
S/. 190.68
S/. 19,574.08
S/. 185.73
S/. 19,047.68
S/. 180.74
S/. 18,516.30
S/. 175.70

S/.
Cuota
S/.
S/.
S/.
S/.
S/.
S/.
S/.

712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13

Amort. Capital
S/. 506.88
S/. 511.69
S/. 516.54
S/. 521.44
S/. 526.39
S/. 531.39
S/. 536.43

S/. 17,979.87
S/. 17,438.35
S/. 16,891.70
S/. 16,339.85
S/. 15,782.78
S/. 15,220.41
S/. 14,652.71
S/. 14,079.62
S/. 13,501.09
S/. 12,917.08
S/. 12,327.52
S/. 11,732.37
S/. 11,131.57
S/. 10,525.07
S/. 9,912.81
S/. 9,294.75
S/. 8,670.82
S/. 8,040.97
S/. 7,405.15
S/. 6,763.29
S/. 6,115.34
S/. 5,461.24
S/. 4,800.93
S/. 4,134.36
S/. 3,461.47
S/. 2,782.19
S/. 2,096.46
S/. 1,404.23
S/. 705.43
S/. 0.00

S/. 170.61
S/. 165.47
S/. 160.28
S/. 155.05
S/. 149.76
S/. 144.42
S/. 139.04
S/. 133.60
S/. 128.11
S/. 122.57
S/. 116.97
S/. 111.33
S/. 105.63
S/. 99.87
S/. 94.06
S/. 88.20
S/. 82.28
S/. 76.30
S/. 70.27
S/. 64.18
S/. 58.03
S/. 51.82
S/. 45.56
S/. 39.23
S/. 32.85
S/. 26.40
S/. 19.89
S/. 13.32
S/. 6.69
S/. 0.00

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13
712.13

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

541.52
546.66
551.84
557.08
562.37
567.70
573.09
578.53
584.02
589.56
595.15
600.80
606.50
612.25
618.06
623.93
629.85
635.83
641.86
647.95
654.10
660.30
666.57
672.89
679.28
685.73
692.23
698.80
705.43
712.13

Amortizacin Constante
Nro Cuota
Capital
Interes
Cuota
1
50000 694.421517 4861.08818
2
45833.33
636.55
4803.22
3
41666.67
578.68
4745.35
4
37500.00
520.82
4687.48
5
33333.33
462.95
4629.61
6
29166.67
405.08
4571.75
7
25000.00
347.21
4513.88
8
20833.33
289.34
4456.01
9
16666.67
231.47
4398.14
10
12500.00
173.61
4340.27
11
8333.33
115.74
4282.40
12
4166.67
57.87
4224.54

Amort. Capital
4166.66667
4166.66667
4166.66667
4166.66667
4166.66667
4166.66667
4166.66667
4166.66667
4166.66667
4166.66667
4166.66667
4166.66667

Amortizacin Constante
Nro Cuota
Capital
Interes
Cuota
Amort. Capital
1 $40,000.00 $
379.55 $ 1,212.89 833.333333
2 $39,166.67 $
371.64 $ 1,204.98 833.333333
3 $38,333.33 $
363.74 $ 1,197.07 833.333333
4 $37,500.00 $
355.83 $ 1,189.16 833.333333
5 $36,666.67 $
347.92 $ 1,181.26 833.333333
6 $35,833.33 $
340.02 $ 1,173.35 833.333333
7 $35,000.00 $
332.11 $ 1,165.44 833.333333
8 $34,166.67 $
324.20 $ 1,157.53 833.333333
9 $33,333.33 $
316.29 $ 1,149.63 833.333333
10 $32,500.00 $
308.39 $ 1,141.72 833.333333
11 $31,666.67 $
300.48 $ 1,133.81 833.333333
12 $30,833.33 $
292.57 $ 1,125.90 833.333333
13 $30,000.00 $
284.66 $ 1,118.00 833.333333
14 $29,166.67 $
276.76 $ 1,110.09 833.333333
15 $28,333.33 $
268.85 $ 1,102.18 833.333333
16 $27,500.00 $
260.94 $ 1,094.28 833.333333
17 $26,666.67 $
253.03 $ 1,086.37 833.333333
18 $25,833.33 $
245.13 $ 1,078.46 833.333333

19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48

$25,000.00
$24,166.67
$23,333.33
$22,500.00
$21,666.67
$20,833.33
$20,000.00
$19,166.67
$18,333.33
$17,500.00
$16,666.67
$15,833.33
$15,000.00
$14,166.67
$13,333.33
$12,500.00
$11,666.67
$10,833.33
$10,000.00
$ 9,166.67
$ 8,333.33
$ 7,500.00
$ 6,666.67
$ 5,833.33
$ 5,000.00
$ 4,166.67
$ 3,333.33
$ 2,500.00
$ 1,666.67
$
833.33

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

237.22
229.31
221.41
213.50
205.59
197.68
189.78
181.87
173.96
166.05
158.15
150.24
142.33
134.42
126.52
118.61
110.70
102.80
94.89
86.98
79.07
71.17
63.26
55.35
47.44
39.54
31.63
23.72
15.81
7.91

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,070.55
1,062.65
1,054.74
1,046.83
1,038.92
1,031.02
1,023.11
1,015.20
1,007.29
999.39
991.48
983.57
975.67
967.76
959.85
951.94
944.04
936.13
928.22
920.31
912.41
904.50
896.59
888.68
880.78
872.87
864.96
857.06
849.15
841.24

833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333
833.333333

ort. Capital

ort. Capital

Tasa Buscada
Tasa Referencial
Periodos de Tasa Referencial
Periodo Deseado

2.58167%
5.23%
2
1

Valor Futuro
Valor Presente
Tasa
Periodos

25,690.63
25,000.00
0.5654%
4.83333333

Valor Presente
Valor Futuro
Tasa
Periodos

1,755.06
2,000.00
3.32%
4

Tasa
Valor Presente
valor Futuro
Periodo

3.32%
1755.06
2000
4

Monto a Capitalizarse
Tasa del periodo
Periodos de Capitalizacion

11/23/2014
1/18/2015
56.00

11/10/2010
3/23/2011
133.00

FLUJO SIN PERPETUIDAD

Tasa
Periodos
Ingresos
Egresos
Neto
VA
VAN
TIR

TaSA Perpetuidad
Tasa Flujo
Periodos
Ingresos
Egresos
Neto
(-Inversion)/ Flujo
Valor Actual
VAN
TIR

1) TaSA Perpetuidad
Tasa Flujo
Periodos
Ingresos
Egresos
Neto
(-Inversion)/ Flujo
Valor Actual
VAN
TIR
2)

1%
0

2000

6500

2000
20000

6500
22000

2000
7312

6500
7768

S/. 23,324.20
Err:523

FLUJO CON PERPETUIDAD

3%
10%
0

-100000
S/. 107,741.36
S/. 7,741.36
12%

3%
12%
0

-26000
S/. 32,995.62
S/. 6,995.62
22%

Tasa
Periodos
Ingresos
Egresos
Neto
VA
VAN
TIR
Tasa
Periodos
Ingresos
Egresos
Neto
VA
VAN
TIR
3) Tasa
Periodos
Ingresos
Egresos
Neto
VA
VAN
TIR
Tasa
Periodos
Ingresos
Egresos
Neto
VA
VAN
TIR

10%
0

-20000
S/. 31,698.65
S/. 11,698.65
35%
10%
0

-20000
S/. 40,980.81
S/. 20,980.81
32%
7.5%
0

-42000
S/. 87,883.28
S/. 45,883.28
41%
7.5%
0

-45000
S/. 74,619.45
S/. 29,619.45
27%

10000

10000

20000

20000

15000

15000

8000

7500

8000
20000

7500
23000

20000

50000

8000
7352

7500
23668

10000

10000

60000

20000

20000

30000

15000

15000

35000

10

11

12

10

11 Perpetuidad

4.09616754
0

0 4.09616754

10

11 Perpetuidad

7.30200974
0

0 7.30200974

10

11

12

10

11

12

10

11

12

10

11

12