EXAMEN TERCER PARCIAL

RESOLUCION DE PARCIAL
SERVICIION DE LA DEUDA ETAPA OPERATIVA
DATOS
PRESTAMO
1073450
TASA NOMINAL ANUAL
10%
TASA EFECTIVA ANUAL TEA
66%
10%
TET
14%
2%
NUMERO DE PERIODOS
20
SOLUCION
TRIMETRE
saldo
amortizacion
1
2
3
4
5 S/. 1,066,904.00
6 S/. 1,024,717.86
S/. 42,186.14
7 S/.
981,477.08
S/. 43,240.79
8 S/.
937,155.27
S/. 44,321.81
9 S/.
891,725.41
S/. 45,429.85
10 S/.
845,159.81
S/. 46,565.60
11 S/.
797,430.07
S/. 47,729.74
12 S/.
748,507.09
S/. 48,922.98
13 S/.
698,361.03
S/. 50,146.06
14 S/.
646,961.32
S/. 51,399.71
15 S/.
594,276.62
S/. 52,684.70
16 S/.
540,274.80
S/. 54,001.82
17 S/.
484,922.94
S/. 55,351.87
18 S/.
-484,922.94
S/. 56,735.66
19 S/.
484,922.94
S/. 80,981.81
20 S/.
-484,922.94
S/. 56,735.66
reajuste a soles constantes
trimstre

amortzacion

interes

PERIODO DE GRACIA
1 AO
Pagos trimestrales: calendario vencido

interes

cuota

S/. 26,672.60
S/. 25,617.95
S/. 24,536.93
S/. 23,428.88
S/. 22,293.14
S/. 21,129.00
S/. 19,935.75
S/. 18,712.68
S/. 17,459.03
S/. 16,174.03
S/. 14,856.92
S/. 13,506.87
S/. 12,123.07
S/. -12,123.07
S/. 12,123.07

Deuda

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

0
0
0
0
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74

pago totaL
12%
164548.32074635

1073450
S/. 1,031,427.51
S/. 988,354.47
S/. 944,204.59
S/. 898,950.97
S/. 852,566.01
S/. 805,021.43
S/. 756,288.23
S/. 706,336.70
S/. 655,136.38
S/. 602,656.05
S/. 548,863.72
S/. 493,726.58
S/. 437,211.01
S/. 379,282.55
S/. 319,905.87
PARA PASAR AL FLUJO DE CAJA
INTERES
AMORTIZACIN
PAGO

Inters
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

26,836.25
25,785.69
24,708.86
23,605.11
22,473.77
21,314.15
20,125.54
18,907.21
17,658.42
16,378.41
15,066.40
13,721.59
12,343.16
10,930.28
9,482.06
7,997.65

Cuota Fija

Amort. Fija

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/.
S/.
S/.

68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74
68,858.74

Saldo Deuda

42,022.49 S/. 1,031,427.51

43,073.05
S/. 988,354.47
44,149.87
S/. 944,204.59
45,253.62
S/. 898,950.97
46,384.96
S/. 852,566.01
47,544.59
S/. 805,021.43
48,733.20
S/. 756,288.23
49,951.53
S/. 706,336.70
51,200.32
S/. 655,136.38
52,480.33
S/. 602,656.05
53,792.33
S/. 548,863.72
55,137.14
S/. 493,726.58
56,515.57
S/. 437,211.01
57,928.46
S/. 379,282.55
59,376.67
S/. 319,905.87
60,861.09
S/. 259,044.79

SAR AL FLUJO DE CAJA

S/.
100,935.91 S/. 82,820.67 S/. 62,824.82 S/.
40,753.15
S/. 174,499.03 S/. 192,614.28 S/. 212,610.12
S/. 234,681.79
S/. 275,434.94 S/. 275,434.94 S/. 275,434.94
S/. 275,434.94