841) Un prstamo de S/ 1,000 se va a cancelar en 4 pagos

mensuales iguales a la TEM del 1%, determinar la TCEA del crdito

si:
a) No se cobra sobrecosto alguno.
b) Se cobra una comisin por desembolso de S/. 80
c) Se cobra portes de S/. 10 mensuales y un seguro de desgravamen
fijo de S/. 8 cada mes.
d) Se cobra b y c
P

S/.256.28

Periodo
0
1
2
3
4

Inters

Amortiz.

Cuota

10.00
7.54
5.05
2.54

246.28
248.74
251.23
253.74

256.28
256.28
256.28
256.28

a)

TCEM
TCEA

1%
12.68%

b)

1000
0
80

Periodo
0
1
2
3
4
1
256.28

Modalidad Francesa

Pago

Comis.
80.00

256.28
256.28
256.28
256.28
2
256.28

3
256.28

Saldo
1,000.00
753.72
504.98
253.74
0.00

Flujo
Neto
80.00
256.28
256.28
256.28
256.28
4
256.28

1000=80+256.28*FAS(i;4)
Interpolacin lineal
i
1.00%
1.30%
1.80%
2.50%
3.00%
4.00%
5.00%

Resultado
1080.00
1072.65
1060.60
1044.12
1032.62
1010.27
988.76

4%
?
5%
?-4
5-4

c)
Periodo

Pago

Portes

1010.27
1000.00
988.76
=

1000-1010.27
988.76-1010.27

TCEM
TCEA

4.4775%
69.15%

Seguro
Desgr.

Flujo
Neto

0
1
2
3
4
1000
0

256.28
256.28
256.28
256.28

10.00
10.00
10.00
10.00

8.00
8.00
8.00
8.00

274.28
274.28
274.28
274.28

1
274.28

2
274.28

3
274.28

4
274.28

1000 = 274.28*FAS(i;4)
i
4%
3%

Rojito
995.61
1,019.53

TCEM
TCEA

3.8164%
56.74%

4%
?
3%

d)
1000=80+274.28*FAS(i;4)
i
7%
8%

Rojito
1,009.04
988.45

TCEM
TCEA

7.4392%
136.57%

7%
?
8%

Un prstamo de S/. 4,000 se va a cancelar en 3 cuotas mensuales mediante la

modalidad francesa a la TNA del 36% convertible mensualmente. Determinar la
TCEA si:
a) No se considera sobrecosto alguno.
b) Se pagan comisones por mantenimiento de cuenta de S/. 7 cada mes y seguro
de S/. 12 mensuales.
c) Una comisin de desembolso de S/. 130.
d) b y c a la vez.

P = VA*FRC
Periodo
0
1
2
3

1,414.12

Inters

Amortizacin

Cuota

120.00
81.18
41.19
242.36

1,294.12
1,332.95
1,372.93
4,000.00

1,414.12
1,414.12
1,414.12
4,242.36

a)

TCEM
TCEA

3.00%
42.58%

b)

4000
0

i
3%
4%

c)

i
4%
5%

1
1,433.12

4000 = 1433.12*FAS(i;3)
Rojito
4053.74
3977.04

2
1,433.12

Saldo
Insoluto
4,000.00
2,705.88
1,372.93
0.00

3
1,433.12
Interpolacin lineal

3%
?
4%

4,053.74
4,000.00
3,977.04

TCEM
TCEA

3.70%
54.65%

?-3
4-3

4000
0
130

1
1,414.12

2
1,414.12

3
1,414.12

4000 = 130 + 1414.12*FAS(i;3)

Rojito
4054.31
3981.00

TCEM

4.7408%

Interpolacin lineal
4%
?
5%
?-4

4,054.31
4,000.00
3,981.00
=

TCEA

995.61
1000.00
1,019.53

1,009.04
1000.00
988.45

74.34%

5-4

as mensuales mediante la
nsualmente. Determinar la

854) Un crdito de S/. 20,000 se va a cancelar en 4 pagos t

agregar S/. 10 de portes y S/. 8 por mantenimiento de cue
de la operacin) el 4% del importe del crdito. Determinar l

a de S/. 7 cada mes y seguro

20,000
0
800

1
6,228

2
6,228

3
6,228

P = VA*FRC
Portes
Mto.Cuenta

S/.6,210.37
S/.10.00
S/.8.00
S/.6,228.37
20000 = 800 + 6228.37*FAS(TET;4)
? - 11%
12% -11%

(meses)

rpolacin lineal

20,000-20,123.16
19,717.72-20,123.16

855) Un crdito de S/. 6,000 se va a cancelar en 5 cuotas mens

cuota se agregarn portes de S/. 8 y comisin por mantenimien
la tasacin del 3% con la ltima cuota. Determinar la TCEA
P
Portes
Mto

S/.1,254.54
S/.8.00
S/.6.00
S/.1,268.54

6000 = 1268.54*FAS(TEM;5) + 180*FSA(TEM;5)

6000 = 1268.54*FAS(TEM;4) + 1,448.54*FSA(TEM;
4000 - 4053.74
3977.04 - 4053.74

(meses)

rpolacin lineal

4000 - 4054.31

3981.00 - 4054.31

cancelar en 4 pagos trimestrales iguales, a cada cuota se le

mantenimiento de cuenta, adems se cobra por tasacin (al inicio
crdito. Determinar la TCEA si la TEM es del 3%

4
6,228
TET

(trimestres)
9.2727%

TET
11%
?
12%

Rojito
20,123.16
20,000.00
19,717.72

? = TCET
TCEA

11.3038%
53.48%

Trim
0
1
2
3
4
TCET
TCEA

Flujo
-19200
6,228
6,228
6,228
6,228
11.3001%
53.46%

elar en 5 cuotas mensuales iguales a la TEM 1.5%, a la

isin por mantenimiento de S/. 6, se ha acordado pagar
eterminar la TCEA
Mes
0
1
2
3
4
5
TCEM
TCEA

Flujo
S/.-6,000.00
S/.1,268.54
S/.1,268.54
S/.1,268.54
S/.1,268.54
S/.1,448.54
2.80%
39.26%

Un prstamo de S/. 4,700 se va a canc

a la TEM del 2%. Si a cada pago se ag
por mantenimiento de cuenta de S/. 10

VA
n(meses)
TEM
Portes
Comisin

TCEM
TCEA

tamo de S/. 4,700 se va a cancelar en 5 pagos mensuales iguales

M del 2%. Si a cada pago se agregan portes de S/. 7 y una comisin
ntenimiento de cuenta de S/. 10, encontrar la TCEA del crdito.

4,700.00
5
2%
7
10

2.5853%
35.84%

Cuota simple S/. 997.14

Portes y Com.
17
S/. 1,014.14
Mes
0
1
2
3
4
5

Flujo
-4,700.00
1,014.14
1,014.14
1,014.14
1,014.14
1,014.14

Determine la TCEA para un p

cuotas uniformes cada mes, l
portes de S/. 9 y una comisi
pagarn conjuntamente con c

VA
n(meses)
TEM
Portes
Comisin

17,000.00
8
2.7%
9
7

TCEM
TCEA

2.8573%
40.22%

Un crdito de S/. 8,000

modalidad francesa a
portes de S/. 8 y mant
adems se cobra una
importe del crdito so

ermine la TCEA para un prstamo de S/. 17,000 que se pagar en 8

as uniformes cada mes, la TEM de la operacin es del 2.7% y se cobran
es de S/. 9 y una comisin de mantenimiento de S/. 7 los cuales se
arn conjuntamente con cada cuota

Cuota simple
Portes
Mto

Mes
0
1
2
3
4
5
6
7
8

S/. 2,391.21
S/. 9.00
S/. 7.00
S/. 2,407.21
Flujo
S/. -17,000.00
S/. 2,407.21
S/. 2,407.21
S/. 2,407.21
S/. 2,407.21
S/. 2,407.21
S/. 2,407.21
S/. 2,407.21
S/. 2,407.21

VA
TEM
n(m)
Portes
Mto
Comis.

8,000
2.50%
8
8
12
2%

TCEM
TCEA

3.40%
49.35%

Un crdito de S/. 8,000 se va a cancelar en 8 pagos mensuales en la

modalidad francesa a la TEM del 2.5%, si a cada pago se le adiciona
portes de S/. 8 y mantenimiento de cuenta mensual de S/. 12 y
adems se cobra una comisin por desembolso del 2% sobre el
importe del crdito solicitado. Determinar la TCEA.

Com.por desembolso
Cuota
Portes
Mto
Pago Total

160

VA
TEM
n(m)
Portes
Mto
Comis.

5,800
2.50%
4
7
13
100

Flujo
-7840.00
1135.74
1135.74
1135.74
1135.74
1135.74
1135.74
1135.74
1135.74

TCEM
TCEA

3.7687%
55.88%

S/.1,115.74
S/.8.00
S/.12.00
S/.1,135.74
Mes
0
1
2
3
4
5
6
7
8

Un prstamo de S/. 5,800 se v

mensuales iguales a la TEM de
portes de S/. 7 y gastos por m
Si se cobra una comisin por d
determinar la TCEA.

Un prstamo de S/. 8,500 se va a cance

mensuales iguales a la TEM del 3.5% a l
portes de S/. 17 y gastos por mantenim
11. Si se cobra una comisin por desem
del crdito que se pagar con la ltima
TCEA

amo de S/. 5,800 se va a cancelar en 4 cuotas

es iguales a la TEM del 2.5% a las cuales se agregarn
e S/. 7 y gastos por mantenimiento de cuenta de S/. 13.
bra una comisin por desembolso fija de S/. 100,
nar la TCEA.

Cuota
Portes
Mto
Pago Total
Mes
0
1
2
3
4

S/.1,541.74
S/.7.00
S/.13.00
S/.1,561.74
Flujo
-5700.00
1561.74
1561.74
1561.74
1561.74

VA
TEM
n(m)
Portes
Mto
Comis.

8,500
3.50%
6
17
11
5%

TCEM
TCEA

5.1995%
83.72%

Pago
Portes
Mto
Pago Total
S/.425.00
Mes
0
1
2
3
4
5
6

de S/. 8,500 se va a cancelar en 6 cuotas

uales a la TEM del 3.5% a las cuales se agregarn
17 y gastos por mantenimiento de cuenta de S/.
a una comisin por desembolso del 5% del importe
e se pagar con la ltima cuota, determinar la

S/.1,595.18
S/.17.00
S/.11.00
S/.1,623.18

Flujo
-8500.00
1623.18
1623.18
1623.18
1623.18
1623.18
2048.18

Camilo desea comprar una casa valorizada en US$ 140,000 para lo cual solicita un crdito hip
financiera con la que trabajar indica que puede financiar hasta el 80% del valor del inmueble
cobra portes de US$ 12, seguro de desgravamen del prstamo de 0.025% y seguro de la prop
prstamo se pagar en 5 cuotas mensuales, hallar la TCEA.
Valor de la casa
Financiamiento
TEM
Periodo
0
1
2
3
4
5

140,000
112,000
1.87693%

Portes
Seg.Desg.
Seg.Inmob.

12
0.025%
0.085%

Inters

Amortiz.

17
Seg.Desg.

Seg. Inmob.

Portes

2,102
1,697
1,285
864
436

21,575
21,980
22,392
22,813
23,241

28
23
17
12
6

119
119
119
119
119

12
12
12
12
12

17
Seg.Desg.

Seg.Inmob.

28.00
22.61
17.11
11.51
5.81

119.00
119.00
119.00
119.00
119.00

Inters

Amort.

Cuota

2,102
1,697
1,285
864
436

21,575
21,980
22,392
22,813
23,241

23,677
23,677
23,677
23,677
23,677

Saldo
112,000
90,425
68,446
46,053
23,241
0

solicita un crdito hipotecario; la entidad

del valor del inmueble, la TEA es del 25%, se
% y seguro de la propiedad del 0.085%. El

23,825
23,825
23,825
23,825
23,825

n
Cuota
TCEM
TCEA
Saldo
112,000
90,425
68,446
46,053
23,241
0

5
23,677
2.09%
28.20%
Flujo
-112,000
23,825
23,825
23,825
23,825
23,825

Portes

Cuota.Tot.

12.00
12.00
12.00
12.00
12.00

23,825
23,825
23,825
23,825
23,825

Flujo
-112,000
23,825
23,825
23,825
23,825
23,825

Cuota Total

Petunia se quiere comprar una casa valorizada en

entidad bancaria con la que trabajar indica que
del 14%, se cobra portes de US$ 7, seguro de des
del 0.092%. El prstamo se pagar en cuotas me

Valor de la casa
Financiamiento
TEM
Periodo
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

80,000
60,000
1.09789%

Inters

Amortiz.

$658.73
$657.55
$656.36
$655.16
$653.94
$652.71
$651.46
$650.21
$648.93
$647.65
$646.35
$645.03
$643.71
$642.36
$641.00
$639.63
$638.24
$636.84
$635.42
$633.99
$632.54
$631.07
$629.59
$628.09
$626.58
$625.05
$623.50
$621.93
$620.35
$618.75
$617.13
$615.50
$613.85

$107.32
$108.50
$109.69
$110.89
$112.11
$113.34
$114.59
$115.85
$117.12
$118.40
$119.70
$121.02
$122.35
$123.69
$125.05
$126.42
$127.81
$129.21
$130.63
$132.06
$133.51
$134.98
$136.46
$137.96
$139.47
$141.01
$142.55
$144.12
$145.70
$147.30
$148.92
$150.55
$152.21

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

$612.18
$610.49
$608.78
$607.05
$605.31
$603.54
$601.76
$599.95
$598.13
$596.29
$594.42
$592.54
$590.63
$588.71
$586.76
$584.79
$582.80
$580.79
$578.76
$576.70
$574.62
$572.52
$570.39
$568.25
$566.07
$563.88
$561.66
$559.41
$557.15
$554.85
$552.53
$550.19
$547.82
$545.42
$543.00
$540.55
$538.08
$535.57
$533.04
$530.49
$527.90
$525.28
$522.64
$519.97
$517.27

$153.88
$155.57
$157.27
$159.00
$160.75
$162.51
$164.30
$166.10
$167.92
$169.77
$171.63
$173.51
$175.42
$177.35
$179.29
$181.26
$183.25
$185.26
$187.30
$189.35
$191.43
$193.53
$195.66
$197.81
$199.98
$202.17
$204.39
$206.64
$208.91
$211.20
$213.52
$215.86
$218.23
$220.63
$223.05
$225.50
$227.98
$230.48
$233.01
$235.57
$238.15
$240.77
$243.41
$246.08
$248.79

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

$514.54
$511.77
$508.98
$506.16
$503.31
$500.42
$497.51
$494.56
$491.58
$488.56
$485.52
$482.44
$479.32
$476.18
$472.99
$469.78
$466.52
$463.23
$459.91
$456.55
$453.15
$449.71
$446.24
$442.73
$439.18
$435.59
$431.96
$428.30
$424.59
$420.84
$417.05
$413.22
$409.34
$405.43
$401.47
$397.47
$393.42
$389.33
$385.19
$381.01
$376.78
$372.51
$368.19
$363.82
$359.40

$251.52
$254.28
$257.07
$259.89
$262.75
$265.63
$268.55
$271.49
$274.48
$277.49
$280.54
$283.62
$286.73
$289.88
$293.06
$296.28
$299.53
$302.82
$306.14
$309.50
$312.90
$316.34
$319.81
$323.32
$326.87
$330.46
$334.09
$337.76
$341.46
$345.21
$349.00
$352.83
$356.71
$360.62
$364.58
$368.59
$372.63
$376.72
$380.86
$385.04
$389.27
$393.54
$397.86
$402.23
$406.65

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

$354.94
$350.43
$345.86
$341.25
$336.59
$331.87
$327.10
$322.29
$317.41
$312.49
$307.51
$302.47
$297.38
$292.24
$287.04
$281.78
$276.46
$271.09
$265.65
$260.16
$254.60
$248.99
$243.31
$237.57
$231.77
$225.91
$219.97
$213.98
$207.92
$201.79
$195.60
$189.33
$183.00
$176.60
$170.13
$163.59
$156.97
$150.28
$143.52
$136.69
$129.78
$122.79
$115.73
$108.59
$101.37

$411.11
$415.63
$420.19
$424.80
$429.47
$434.18
$438.95
$443.77
$448.64
$453.56
$458.54
$463.58
$468.67
$473.81
$479.02
$484.27
$489.59
$494.97
$500.40
$505.89
$511.45
$517.06
$522.74
$528.48
$534.28
$540.15
$546.08
$552.07
$558.13
$564.26
$570.46
$576.72
$583.05
$589.45
$595.92
$602.47
$609.08
$615.77
$622.53
$629.36
$636.27
$643.26
$650.32
$657.46
$664.68

169
170
171
172
173
174
175
176
177
178
179
180

$94.08
$86.70
$79.24
$71.70
$64.08
$56.37
$48.58
$40.70
$32.74
$24.69
$16.55
$8.32
$77,889.42
Inters

$671.98
$679.35
$686.81
$694.35
$701.98
$709.68
$717.47
$725.35
$733.31
$741.37
$749.50
$757.73
$60,000.00
Amortiz.

una casa valorizada en US$ 80,000 para lo cual solicita un crdito hipotecario; la
e trabajar indica que puede financiar hasta el 75% del valor del inmueble, la TEA es
e US$ 7, seguro de desgravamen del prstamo de 0.035% y seguro de la propiedad
pagar en cuotas mensuales durante 15 aos, hallar la TCEA.

Portes
Seg.Desg.
Seg.Inmob.

7
0.035%
0.092%

14
Seg.Desg.

Seg. Inmob.

Portes

Cuota Total

$21.00
$20.96
$20.92
$20.89
$20.85
$20.81
$20.77
$20.73
$20.69
$20.65
$20.61
$20.56
$20.52
$20.48
$20.43
$20.39
$20.35
$20.30
$20.26
$20.21
$20.16
$20.12
$20.07
$20.02
$19.97
$19.93
$19.88
$19.83
$19.78
$19.73
$19.67
$19.62
$19.57

$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60

$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00

$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45

n
Cuota
TCEM
TCEA
Saldo
$60,000
$59,893
$59,784
$59,674
$59,564
$59,451
$59,338
$59,224
$59,108
$58,991
$58,872
$58,752
$58,631
$58,509
$58,385
$58,260
$58,134
$58,006
$57,877
$57,746
$57,614
$57,481
$57,346
$57,209
$57,071
$56,932
$56,791
$56,648
$56,504
$56,358
$56,211
$56,062
$55,912
$55,759

180
766
1.29%
0.16651435
Flujo
-$60,000
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860

$19.52
$19.46
$19.41
$19.35
$19.30
$19.24
$19.18
$19.13
$19.07
$19.01
$18.95
$18.89
$18.83
$18.77
$18.71
$18.64
$18.58
$18.52
$18.45
$18.38
$18.32
$18.25
$18.18
$18.12
$18.05
$17.98
$17.91
$17.83
$17.76
$17.69
$17.61
$17.54
$17.46
$17.39
$17.31
$17.23
$17.15
$17.07
$16.99
$16.91
$16.83
$16.75
$16.66
$16.58
$16.49

$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60

$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00

$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45

$55,606
$55,450
$55,293
$55,134
$54,973
$54,811
$54,646
$54,480
$54,312
$54,142
$53,971
$53,797
$53,622
$53,445
$53,265
$53,084
$52,901
$52,715
$52,528
$52,339
$52,147
$51,954
$51,758
$51,560
$51,360
$51,158
$50,954
$50,747
$50,538
$50,327
$50,114
$49,898
$49,679
$49,459
$49,236
$49,010
$48,782
$48,552
$48,319
$48,083
$47,845
$47,604
$47,361
$47,115
$46,866

$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860

$16.40
$16.32
$16.23
$16.14
$16.05
$15.95
$15.86
$15.77
$15.67
$15.58
$15.48
$15.38
$15.28
$15.18
$15.08
$14.98
$14.87
$14.77
$14.66
$14.55
$14.45
$14.34
$14.23
$14.11
$14.00
$13.89
$13.77
$13.65
$13.54
$13.42
$13.30
$13.17
$13.05
$12.92
$12.80
$12.67
$12.54
$12.41
$12.28
$12.15
$12.01
$11.88
$11.74
$11.60
$11.46

$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60

$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00

$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45

$46,615
$46,360
$46,103
$45,843
$45,581
$45,315
$45,046
$44,775
$44,500
$44,223
$43,942
$43,659
$43,372
$43,082
$42,789
$42,493
$42,193
$41,890
$41,584
$41,275
$40,962
$40,646
$40,326
$40,002
$39,676
$39,345
$39,011
$38,673
$38,332
$37,987
$37,638
$37,285
$36,928
$36,567
$36,203
$35,834
$35,462
$35,085
$34,704
$34,319
$33,930
$33,536
$33,138
$32,736
$32,329

$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860

$11.32
$11.17
$11.03
$10.88
$10.73
$10.58
$10.43
$10.27
$10.12
$9.96
$9.80
$9.64
$9.48
$9.32
$9.15
$8.98
$8.81
$8.64
$8.47
$8.29
$8.12
$7.94
$7.76
$7.57
$7.39
$7.20
$7.01
$6.82
$6.63
$6.43
$6.24
$6.04
$5.83
$5.63
$5.42
$5.22
$5.00
$4.79
$4.58
$4.36
$4.14
$3.91
$3.69
$3.46
$3.23

$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60
$73.60

$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00
$7.00

$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45
$860.45

$31,918
$31,503
$31,083
$30,658
$30,228
$29,794
$29,355
$28,911
$28,463
$28,009
$27,551
$27,087
$26,618
$26,145
$25,666
$25,181
$24,692
$24,197
$23,696
$23,190
$22,679
$22,162
$21,639
$21,111
$20,576
$20,036
$19,490
$18,938
$18,380
$17,816
$17,245
$16,669
$16,085
$15,496
$14,900
$14,298
$13,689
$13,073
$12,450
$11,821
$11,185
$10,541
$9,891
$9,234
$8,569

$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860

$3.00
$73.60
$2.76
$73.60
$2.53
$73.60
$2.29
$73.60
$2.04
$73.60
$1.80
$73.60
$1.55
$73.60
$1.30
$73.60
$1.04
$73.60
$0.79
$73.60
$0.53
$73.60
$0.27
$73.60
$2,483.07 $13,248.00
Seg.Desg. Seg. Inmob.

$7.00
$860.45
$7.00
$860.45
$7.00
$860.45
$7.00
$860.45
$7.00
$860.45
$7.00
$860.45
$7.00
$860.45
$7.00
$860.45
$7.00
$860.45
$7.00
$860.45
$7.00
$860.45
$7.00
$860.45
$1,260.00
###
Portes
Cuota Total

$7,897
$7,218
$6,531
$5,836
$5,134
$4,425
$3,707
$2,982
$2,249
$1,507
$758
$0

$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860
$860

Mr. Dota se quiere comprar un auto valorizado en US$ 25,000 para lo cual requerir un prstamo
condiciones son las siguientes:
- TEA = 19%
- Financiamiento del 90%
- Plazo = 4 aos
- Pago en cuotas mensuales iguales cada 30 das
- Seguro de desgravamen = 0.064%
- Seguro vehicular = 0.05%
- Portes y otros gastos = US$ 12
Determinar la TCEA del crdito vehicular

Valor Vehculo
% Financ.
Prstamo
Periodo
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

$25,000
90%
$22,500

Inters

Amort.

TEM
n(meses)
Pago
8.18
Seg.Desg.

$328.54
$323.77
$318.92
$314.01
$309.03
$303.97
$298.84
$293.64
$288.36
$283.00
$277.56
$272.04
$266.45
$260.77
$255.01
$249.16
$243.23
$237.21
$231.11
$224.91
$218.63
$212.25
$205.78
$199.22
$192.56
$185.80
$178.95
$171.99

$326.79
$331.56
$336.41
$341.32
$346.30
$351.36
$356.49
$361.69
$366.98
$372.33
$377.77
$383.29
$388.88
$394.56
$400.32
$406.17
$412.10
$418.12
$424.22
$430.42
$436.70
$443.08
$449.55
$456.11
$462.77
$469.53
$476.38
$483.34

$14.40
$14.19
$13.98
$13.76
$13.54
$13.32
$13.10
$12.87
$12.64
$12.40
$12.17
$11.92
$11.68
$11.43
$11.18
$10.92
$10.66
$10.40
$10.13
$9.86
$9.58
$9.30
$9.02
$8.73
$8.44
$8.14
$7.84
$7.54

1.4602%
48
$655.33

Seg.Desg.
Seg.Vehic.
Portes+otros

Seg.Veh.

Portes+otros

$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50

$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00

29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48

$164.93
$157.77
$150.51
$143.14
$135.66
$128.07
$120.37
$112.56
$104.63
$96.59
$88.43
$80.16
$71.76
$63.24
$54.59
$45.82
$36.92
$27.89
$18.73
$9.43
$8,955.89

$490.40
$497.56
$504.82
$512.20
$519.67
$527.26
$534.96
$542.77
$550.70
$558.74
$566.90
$575.18
$583.57
$592.10
$600.74
$609.51
$618.41
$627.44
$636.60
$645.90
$22,500.00

$7.23
$6.92
$6.60
$6.27
$5.95
$5.61
$5.28
$4.93
$4.59
$4.23
$3.88
$3.51
$3.15
$2.77
$2.39
$2.01
$1.62
$1.22
$0.82
$0.41
$392.54

$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$12.50
$600.00

$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$12.00
$576.00

Elmerin se quiere comprar un auto valorizado en

las condiciones son las siguientes:
- TEA = 15%
- Financiamiento del 70%
- Plazo = 2 aos
- Pago en cuotas mensuales iguales cada 30 das
- Seguro de desgravamen = 0.071%
- Seguro vehicular = 0.065%
- Portes y otros gastos = US$ 17
Determinar la TCEA del crdito vehicular

equerir un prstamo del Banco IFB; las

0.064%
0.050%
12
Cuota Total
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01

TCEM
TCEA
Saldo
$22,500.00
$22,173.21
$21,841.64
$21,505.24
$21,163.92
$20,817.62
$20,466.26
$20,109.77
$19,748.07
$19,381.10
$19,008.76
$18,630.99
$18,247.70
$17,858.82
$17,464.26
$17,063.93
$16,657.77
$16,245.67
$15,827.55
$15,403.33
$14,972.91
$14,536.21
$14,093.13
$13,643.58
$13,187.47
$12,724.70
$12,255.17
$11,778.79
$11,295.44

1.6898%
22.27%
Flujo
-$22,500
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01

Periodo
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

Valor Vehculo
% Financ.
Prstamo

$35,000
70%
$24,500

Inters

Amort.

$287.02
$276.59
$266.04
$255.37
$244.57
$233.65
$222.60
$211.42
$200.11
$188.66
$177.08
$165.37
$153.52
$141.53
$129.40
$117.13
$104.71
$92.15
$79.44
$66.58
$53.57
$40.41
$27.10
$13.63
$3,747.66

$889.97
$900.40
$910.94
$921.62
$932.41
$943.34
$954.39
$965.57
$976.88
$988.32
$999.90
$1,011.62
$1,023.47
$1,035.46
$1,047.59
$1,059.86
$1,072.27
$1,084.84
$1,097.55
$1,110.40
$1,123.41
$1,136.57
$1,149.89
$1,163.36
$24,500.00

$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$33,024.43

$10,805.05
$10,307.49
$9,802.66
$9,290.47
$8,770.79
$8,243.53
$7,708.57
$7,165.80
$6,615.10
$6,056.36
$5,489.46
$4,914.28
$4,330.71
$3,738.61
$3,137.87
$2,528.36
$1,909.95
$1,282.50
$645.90
$0.00

$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01
$688.01

un auto valorizado en US$ 35,000 para lo cual requerir un prstamo del Banco IFB;
ientes:

s iguales cada 30 das

= 0.071%
%
S$ 17
dito vehicular

TEM
n(meses)
Pago
9.46
Seg.Desg.

1.1715%
24
$1,176.99

$17.40
$16.76
$16.12
$15.48
$14.82
$14.16
$13.49
$12.81
$12.13
$11.43
$10.73
$10.02
$9.30
$8.58
$7.84
$7.10
$6.35
$5.58
$4.81
$4.04
$3.25
$2.45
$1.64
$0.83
$227.13

$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$22.75
$546.00

Seg.Veh.

Seg.Desg.
Seg.Vehic.
Portes+otros

0.071%
0.065%
17

Portes+otros Cuota Total

$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$17.00
$408.00

$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$1,226.20
$29,428.79

TCEM
1.5215%
TCEA
19.8664%
Saldo
Flujo
$24,500.00 -$24,500.00
$23,610.03 $1,226.20
$22,709.63 $1,226.20
$21,798.69 $1,226.20
$20,877.07 $1,226.20
$19,944.66 $1,226.20
$19,001.32 $1,226.20
$18,046.94 $1,226.20
$17,081.37 $1,226.20
$16,104.49 $1,226.20
$15,116.17 $1,226.20
$14,116.27 $1,226.20
$13,104.65 $1,226.20
$12,081.19 $1,226.20
$11,045.73 $1,226.20
$9,998.14
$1,226.20
$8,938.28
$1,226.20
$7,866.01
$1,226.20
$6,781.17
$1,226.20
$5,683.63
$1,226.20
$4,573.23
$1,226.20
$3,449.82
$1,226.20
$2,313.24
$1,226.20
$1,163.36
$1,226.20
$0.00
$1,226.20
###

CRONOGRAMA DE PAGOS - PRSTAMO

Nombre cliente
Valor del inmueble
% de financiamiento
Importe del prstamo
Fecha del prstamo
Plazo de la operacin
Modalidad de Pago
Nmero de cuotas

Nicomedes Pinto
180,000.00
90.00%
162,000.00
13/07/2013
25 aos
cada 30 das
300 meses

Perodo

Fecha de pago

Amortizacin

Inters

Seguro desgravamen

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

13/07/2013
8/13/2013
9/13/2013
10/13/2013
11/13/2013
12/13/2013
1/13/2014
2/13/2014
3/13/2014
4/13/2014
5/13/2014
6/13/2014
7/13/2014
8/13/2014
9/13/2014
10/13/2014
11/13/2014
12/13/2014
1/13/2015
2/13/2015
3/13/2015
4/13/2015
5/13/2015
6/13/2015
7/13/2015
8/13/2015
9/13/2015
10/13/2015
11/13/2015
12/13/2015
1/13/2016
2/13/2016
3/13/2016

75.68
76.48
77.30
78.12
78.94
79.78
80.63
81.48
82.35
83.22
84.11
85.00
85.90
86.81
87.73
88.66
89.60
90.55
91.51
92.48
93.47
94.46
95.46
96.47
97.50
98.53
99.57
100.63
101.70
102.78
103.87
104.97

1718.59
1717.79
1716.98
1716.16
1715.33
1714.49
1713.65
1712.79
1711.93
1711.05
1710.17
1709.28
1708.38
1707.46
1706.54
1705.61
1704.67
1703.72
1702.76
1701.79
1700.81
1699.82
1698.82
1697.80
1696.78
1695.75
1694.70
1693.64
1692.58
1691.50
1690.41
1689.30

68.04
68.0082135747
67.97608994
67.9436255186
67.9108166952
67.8776598162
67.8441511893
67.8102870828
67.7760637256
67.7414773067
67.7065239743
67.6711998362
67.6355009585
67.5994233657
67.5629630403
67.526115922
67.4888779075
67.4512448499
67.4132125583
67.3747767974
67.3359332871
67.2966777015
67.2570056693
67.2169127725
67.1763945463
67.1354464785
67.0940640092
67.05224253
67.0099773835
66.967263863
66.9240972121
66.8804726235

33
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

4/13/2016
5/13/2016
6/13/2016
7/13/2016
8/13/2016
9/13/2016
10/13/2016
11/13/2016
12/13/2016
1/13/2017
2/13/2017
3/13/2017
4/13/2017
5/13/2017
6/13/2017
7/13/2017
8/13/2017
9/13/2017
10/13/2017
11/13/2017
12/13/2017
1/13/2018
2/13/2018
3/13/2018
4/13/2018
5/13/2018
6/13/2018
7/13/2018
8/13/2018
9/13/2018
10/13/2018
11/13/2018
12/13/2018
1/13/2019
2/13/2019
3/13/2019
4/13/2019
5/13/2019
6/13/2019
7/13/2019
8/13/2019
9/13/2019
10/13/2019
11/13/2019
12/13/2019

106.08
107.21
108.35
109.50
110.66
111.83
113.02
114.22
115.43
116.65
117.89
119.14
120.40
121.68
122.97
124.28
125.60
126.93
128.27
129.64
131.01
132.40
133.81
135.22
136.66
138.11
139.57
141.06
142.55
144.06
145.59
147.14
148.70
150.27
151.87
153.48
155.11
156.75
158.42
160.10
161.80
163.51
165.25
167.00
168.77

1688.19
1687.07
1685.93
1684.78
1683.62
1682.44
1681.26
1680.06
1678.85
1677.62
1676.38
1675.13
1673.87
1672.59
1671.30
1670.00
1668.68
1667.35
1666.00
1664.64
1663.26
1661.87
1660.47
1659.05
1657.62
1656.17
1654.70
1653.22
1651.72
1650.21
1648.68
1647.14
1645.58
1644.00
1642.41
1640.79
1639.17
1637.52
1635.86
1634.18
1632.48
1630.76
1629.03
1627.27
1625.50

66.8363852393
66.7918301497
66.7468023932
66.7012969553
66.6553087685
66.6088327116
66.5618636089
66.51439623
66.4664252887
66.417945443
66.3689512942
66.3194373862
66.269398205
66.2188281784
66.1677216747
66.1160730027
66.0638764107
66.0111260861
65.9578161546
65.9039406794
65.8494936611
65.7944690363
65.7388606773
65.6826623917
65.6258679212
65.5684709409
65.5104650592
65.4518438165
65.3926006846
65.3327290662
65.2722222939
65.2110736296
65.1492762638
65.0868233146
65.0237078272
64.9599227731
64.895461049
64.8303154764
64.7644788007
64.6979436902
64.6307027355
64.5627484486
64.494073262
64.4246695281
64.3545295179

78
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

1/13/2020
2/13/2020
3/13/2020
4/13/2020
5/13/2020
6/13/2020
7/13/2020
8/13/2020
9/13/2020
10/13/2020
11/13/2020
12/13/2020
1/13/2021
2/13/2021
3/13/2021
4/13/2021
5/13/2021
6/13/2021
7/13/2021
8/13/2021
9/13/2021
10/13/2021
11/13/2021
12/13/2021
1/13/2022
2/13/2022
3/13/2022
4/13/2022
5/13/2022
6/13/2022
7/13/2022
8/13/2022
9/13/2022
10/13/2022
11/13/2022
12/13/2022
1/13/2023
2/13/2023
3/13/2023
4/13/2023
5/13/2023
6/13/2023
7/13/2023
8/13/2023
9/13/2023

170.56
172.37
174.20
176.05
177.92
179.80
181.71
183.64
185.59
187.56
189.55
191.56
193.59
195.64
197.72
199.81
201.93
204.08
206.24
208.43
210.64
212.88
215.13
217.42
219.72
222.05
224.41
226.79
229.20
231.63
234.08
236.57
239.08
241.61
244.18
246.77
249.38
252.03
254.70
257.41
260.14
262.90
265.69
268.50
271.35

1623.71
1621.90
1620.07
1618.23
1616.36
1614.47
1612.56
1610.64
1608.69
1606.72
1604.73
1602.72
1600.69
1598.63
1596.56
1594.46
1592.34
1590.20
1588.03
1585.85
1583.63
1581.40
1579.14
1576.86
1574.55
1572.22
1569.87
1567.49
1565.08
1562.65
1560.19
1557.71
1555.20
1552.66
1550.10
1547.51
1544.89
1542.24
1539.57
1536.87
1534.14
1531.38
1528.59
1525.77
1522.92

64.2836454205
64.2120093424
64.1396133059
64.066449249
63.9925090242
63.9177843972
63.8422670468
63.7659485632
63.6888204476
63.6108741109
63.5321008728
63.4524919612
63.3720385108
63.290731562
63.2085620607
63.1255208561
63.0415987009
62.9567862493
62.8710740566
62.7844525777
62.6969121665
62.6084430743
62.5190354491
62.4286793345
62.3373646682
62.2450812814
62.1518188973
62.0575671301
61.9623154839
61.8660533514
61.7687700127
61.6704546342
61.5710962674
61.4706838478
61.3692061932
61.2666520031
61.1630098568
61.0582682128
60.9524154069
60.8454396512
60.7373290327
60.6280715123
60.5176549228
60.4060669682
60.293295222

123
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

10/13/2023
11/13/2023
12/13/2023
1/13/2024
2/13/2024
3/13/2024
4/13/2024
5/13/2024
6/13/2024
7/13/2024
8/13/2024
9/13/2024
10/13/2024
11/13/2024
12/13/2024
1/13/2025
2/13/2025
3/13/2025
4/13/2025
5/13/2025
6/13/2025
7/13/2025
8/13/2025
9/13/2025
10/13/2025
11/13/2025
12/13/2025
1/13/2026
2/13/2026
3/13/2026
4/13/2026
5/13/2026
6/13/2026
7/13/2026
8/13/2026
9/13/2026
10/13/2026
11/13/2026
12/13/2026
1/13/2027
2/13/2027
3/13/2027
4/13/2027
5/13/2027
6/13/2027

274.23
277.14
280.08
283.05
286.05
289.09
292.16
295.26
298.39
301.55
304.75
307.99
311.25
314.55
317.89
321.26
324.67
328.12
331.60
335.11
338.67
342.26
345.89
349.56
353.27
357.02
360.81
364.63
368.50
372.41
376.36
380.36
384.39
388.47
392.59
396.75
400.96
405.22
409.52
413.86
418.25
422.69
427.17
431.70
436.28

1520.04
1517.13
1514.19
1511.22
1508.22
1505.19
1502.12
1499.02
1495.89
1492.72
1489.52
1486.29
1483.02
1479.72
1476.38
1473.01
1469.60
1466.16
1462.68
1459.16
1455.60
1452.01
1448.38
1444.71
1441.00
1437.26
1433.47
1429.64
1425.77
1421.86
1417.91
1413.92
1409.88
1405.81
1401.69
1397.52
1393.31
1389.06
1384.76
1380.41
1376.02
1371.59
1367.10
1362.57
1357.99

60.1793271257
60.0641499877
59.9477509819
59.830117146
59.71123538
59.5910924453
59.4696749625
59.3469694106
59.2229621249
59.0976392959
58.9709869674
58.8429910354
58.7136372461
58.5829111945
58.450798323
58.3172839191
58.1823531148
58.0459908838
57.9081820409
57.7689112395
57.6281629702
57.4859215593
57.3421711665
57.1968957836
57.0500792328
56.9017051643
56.751757055
56.6002182067
56.4470717437
56.2923006116
56.1358875749
55.9778152153
55.8180659297
55.6566219282
55.4934652324
55.3285776729
55.1619408876
54.9935363199
54.8233452159
54.651348623
54.4775273876
54.3018621526
54.124333356
53.9449212278
53.7636057886

168
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

7/13/2027
8/13/2027
9/13/2027
10/13/2027
11/13/2027
12/13/2027
1/13/2028
2/13/2028
3/13/2028
4/13/2028
5/13/2028
6/13/2028
7/13/2028
8/13/2028
9/13/2028
10/13/2028
11/13/2028
12/13/2028
1/13/2029
2/13/2029
3/13/2029
4/13/2029
5/13/2029
6/13/2029
7/13/2029
8/13/2029
9/13/2029
10/13/2029
11/13/2029
12/13/2029
1/13/2030
2/13/2030
3/13/2030
4/13/2030
5/13/2030
6/13/2030
7/13/2030
8/13/2030
9/13/2030
10/13/2030
11/13/2030
12/13/2030
1/13/2031
2/13/2031
3/13/2031

440.91
445.59
450.32
455.09
459.92
464.80
469.73
474.71
479.75
484.84
489.98
495.18
500.43
505.74
511.11
516.53
522.01
527.55
533.14
538.80
544.52
550.29
556.13
562.03
567.99
574.02
580.11
586.26
592.48
598.77
605.12
611.54
618.03
624.58
631.21
637.91
644.67
651.51
658.42
665.41
672.47
679.60
686.81
694.10
701.46

1353.36
1348.69
1343.96
1339.18
1334.35
1329.47
1324.54
1319.56
1314.52
1309.43
1304.29
1299.09
1293.84
1288.53
1283.17
1277.74
1272.26
1266.73
1261.13
1255.47
1249.76
1243.98
1238.14
1232.24
1226.28
1220.26
1214.17
1208.01
1201.79
1195.51
1189.16
1182.74
1176.25
1169.69
1163.07
1156.37
1149.60
1142.76
1135.85
1128.87
1121.81
1114.67
1107.46
1100.18
1092.81

53.580366847
53.3951839972
53.2080366172
53.0189038659
52.8277646815
52.6345977785
52.4393816456
52.2420945433
52.0427145017
51.8412193175
51.637586552
51.4317935285
51.2238173298
51.0136347953
50.8012225189
50.5865568463
50.369613872
50.150369437
49.9287991262
49.7048782651
49.4785819179
49.2498848838
49.018761695
48.7851866134
48.5491336278
48.3105764511
48.0694885174
47.825842979
47.5796127032
47.3307702695
47.0792879667
46.8251377894
46.5682914352
46.3087203016
46.0463954823
45.7812877646
45.513367626
45.2426052305
44.9689704258
44.6924327396
44.4129613765
44.1305252143
43.8450928006
43.5566323494
43.2651117374

213
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
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257

4/13/2031
5/13/2031
6/13/2031
7/13/2031
8/13/2031
9/13/2031
10/13/2031
11/13/2031
12/13/2031
1/13/2032
2/13/2032
3/13/2032
4/13/2032
5/13/2032
6/13/2032
7/13/2032
8/13/2032
9/13/2032
10/13/2032
11/13/2032
12/13/2032
1/13/2033
2/13/2033
3/13/2033
4/13/2033
5/13/2033
6/13/2033
7/13/2033
8/13/2033
9/13/2033
10/13/2033
11/13/2033
12/13/2033
1/13/2034
2/13/2034
3/13/2034
4/13/2034
5/13/2034
6/13/2034
7/13/2034
8/13/2034
9/13/2034
10/13/2034
11/13/2034
12/13/2034

708.90
716.42
724.02
731.70
739.47
747.31
755.24
763.25
771.35
779.53
787.80
796.16
804.60
813.14
821.77
830.48
839.29
848.20
857.20
866.29
875.48
884.77
894.15
903.64
913.22
922.91
932.70
942.60
952.60
962.70
972.92
983.24
993.67
1004.21
1014.86
1025.63
1036.51
1047.51
1058.62
1069.85
1081.20
1092.67
1104.26
1115.97
1127.81

1085.37
1077.85
1070.25
1062.57
1054.81
1046.96
1039.04
1031.02
1022.93
1014.74
1006.47
998.12
989.67
981.14
972.51
963.79
954.98
946.08
937.08
927.99
918.80
909.51
900.12
890.64
881.05
871.36
861.57
851.68
841.68
831.57
821.36
811.04
800.61
790.06
779.41
768.65
757.76
746.77
735.66
724.43
713.08
701.61
690.01
678.30
666.46

42.9704985007
42.6727598308
42.3718625713
42.0677732139
41.760457895
41.4498823917
41.1360121179
40.8188121208
40.4982470767
40.1742812872
39.846878675
39.5160027805
39.1816167568
38.8436833664
38.5021649769
38.1570235562
37.8082206693
37.455717473
37.0994747123
36.7394527156
36.3756113905
36.0079102194
35.6363082546
35.2607641143
34.8812359774
34.4976815794
34.1100582072
33.7183226948
33.3224314181
32.9223402903
32.5180047569
32.1093797906
31.6964198867
31.2790790575
30.8573108275
30.4310682282
30.0003037928
29.564969551
29.1250170236
28.680397217
28.231060618
27.776957188
27.3180363575
26.8542470208
26.3855375299

258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300

1/13/2035
2/13/2035
3/13/2035
4/13/2035
5/13/2035
6/13/2035
7/13/2035
8/13/2035
9/13/2035
10/13/2035
11/13/2035
12/13/2035
1/13/2036
2/13/2036
3/13/2036
4/13/2036
5/13/2036
6/13/2036
7/13/2036
8/13/2036
9/13/2036
10/13/2036
11/13/2036
12/13/2036
1/13/2037
2/13/2037
3/13/2037
4/13/2037
5/13/2037
6/13/2037
7/13/2037
8/13/2037
9/13/2037
10/13/2037
11/13/2037
12/13/2037
1/13/2038
2/13/2038
3/13/2038
4/13/2038
5/13/2038
6/13/2038
7/13/2038
totales

1139.78
1151.87
1164.09
1176.44
1188.92
1201.53
1214.28
1227.16
1240.18
1253.34
1266.63
1280.07
1293.65
1307.37
1321.24
1335.26
1349.42
1363.74
1378.21
1392.83
1407.60
1422.54
1437.63
1452.88
1468.29
1483.87
1499.61
1515.52
1531.60
1547.84
1564.26
1580.86
1597.63
1614.58
1631.71
1649.02
1666.51
1684.19
1702.06
1720.11
1738.36
1756.80
1775.44
162000.00

654.50
25.9118556887
642.40
25.4331487476
630.19
24.9493633974
617.84
24.4604457633
605.36
23.9663413989
592.74
23.4669952803
580.00
22.9623517998
567.11
22.4523547599
554.10
21.9369473668
540.94
21.4160722243
527.64
20.8896713271
514.21
20.3576860549
500.63
19.8200571651
486.90
19.276724787
473.03
18.7276284145
459.02
18.1727068998
444.85
17.6118984462
430.54
17.0451406016
416.07
16.4723702512
401.45
15.8935236109
386.67
15.3085362198
371.74
14.717342933
356.65
14.1198779147
341.40
13.5160746307
325.98
12.9058658408
310.41
12.2891835917
294.67
11.6659592089
278.76
11.0361232897
262.68
10.3996056949
246.43
9.7563355412
230.01
9.1062411936
213.42
8.4492502569
196.65
7.7852895679
179.70
7.1142851874
162.57
6.4361623917
145.26
5.7508456643
127.76
5.0582586878
110.09
4.358324335
92.22
3.6509646606
74.16
2.9361008923
55.91
2.2136534221
37.47
1.4835417977
18.83
0.7456847132
376282.42 14897.22070885
promedio

49.6574023628

A DE PAGOS - PRSTAMO HIPOTECARIO

TEA
TEM
Seguro desgravamen
Seguro inmueble
Portes
Cuota simple
TCEM
TCEA
Seguro
inmobiliario

156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6

Portes

8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00

13.50%
1.06%
0.0420%
0.0870%
8.00
$1,794.27
$0.012
$0.15
Cuota total

Saldo

Flujos

2008.53
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

162,000.00
161924.32
161847.83
161770.54
161692.42
161613.48
161533.69
161453.06
161371.58
161289.23
161206.01
161121.90
161036.91
160951.01
160864.20
160776.47
160687.80
160598.20
160507.65
160416.14
160323.65
160230.19
160135.73
160040.27
159943.80
159846.30
159747.77
159648.20
159547.57
159445.87
159343.09
159239.22
159134.25

-162,000.00
2008.53
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6

8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

159028.17
158920.96
158812.61
158703.12
158592.46
158480.63
158367.61
158253.39
158137.97
158021.31
157903.42
157784.28
157663.88
157542.19
157419.22
157294.94
157169.35
157042.42
156914.14
156784.51
156653.50
156521.10
156387.29
156252.07
156115.41
155977.30
155837.72
155696.67
155554.12
155410.05
155264.46
155117.32
154968.63
154818.35
154666.48
154513.00
154357.89
154201.14
154042.72
153882.63
153720.83
153557.32
153392.07
153225.07
153056.30

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6

8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

152885.74
152713.37
152539.16
152363.12
152185.20
152005.40
151823.69
151640.05
151454.46
151266.91
151077.36
150885.81
150692.22
150496.58
150298.86
150099.04
149897.11
149693.03
149486.79
149278.36
149067.72
148854.85
148639.71
148422.30
148202.57
147980.52
147756.11
147529.32
147300.13
147068.50
146834.42
146597.85
146358.77
146117.16
145872.98
145626.21
145376.83
145124.80
144870.09
144612.69
144352.55
144089.65
143823.97
143555.46
143284.11

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6

8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

143009.88
142732.74
142452.66
142169.61
141883.55
141594.46
141302.31
141007.05
140708.66
140407.11
140102.36
139794.37
139483.12
139168.57
138850.68
138529.41
138204.74
137876.62
137545.03
137209.91
136871.24
136528.98
136183.09
135833.52
135480.25
135123.23
134762.42
134397.79
134029.29
133656.88
133280.51
132900.16
132515.77
132127.30
131734.71
131337.95
130936.99
130531.77
130122.26
129708.40
129290.15
128867.46
128440.29
128008.59
127572.30

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6

8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

127131.39
126685.80
126235.49
125780.39
125320.47
124855.67
124385.94
123911.23
123431.47
122946.63
122456.65
121961.47
121461.04
120955.29
120444.18
119927.65
119405.64
118878.09
118344.95
117806.15
117261.63
116711.34
116155.21
115593.18
115025.18
114451.16
113871.05
113284.79
112692.31
112093.54
111488.42
110876.88
110258.86
109634.27
109003.07
108365.16
107720.49
107068.98
106410.55
105745.15
105072.68
104393.08
103706.27
103012.17
102310.71

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6

8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

101601.81
100885.39
100161.36
99429.66
98690.20
97942.89
97187.65
96424.40
95653.05
94873.52
94085.72
93289.56
92484.96
91671.82
90850.06
90019.57
89180.28
88332.08
87474.89
86608.60
85733.12
84848.35
83954.20
83050.56
82137.34
81214.42
80281.72
79339.12
78386.52
77423.82
76450.90
75467.67
74474.00
73469.79
72454.92
71429.29
70392.78
69345.28
68286.66
67216.81
66135.61
65042.94
63938.68
62822.71
61694.89

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87

156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
156.6
46980

8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
8.00
2,400.00

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
587712.07

60555.12
59403.25
58239.16
57062.72
55873.80
54672.27
53457.99
52230.83
50990.65
49737.31
48470.68
47190.61
45896.96
44589.59
43268.35
41933.09
40583.67
39219.93
37841.72
36448.90
35041.29
33618.76
32181.13
30728.25
29259.96
27776.09
26276.48
24760.97
23229.37
21681.53
20117.26
18536.40
16938.77
15324.20
13692.49
12043.47
10376.96
8692.77
6990.72
5270.60
3532.24
1775.44
0.00
35,469,573.12

1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
1958.87
425712.07

el seguro de desgravamen lo calculas sobre el saldo deudor

el seguro vehicular se calcula sobre el valor del auto

CRONOGRAMA DE PAGOS - PRSTAMO VEHICULAR

Nombre del cliente
Valor del vehculo
% de financiamiento
Importe del prstamo
Fecha del prstamo
Plazo de la operacin
Nmero de cuotas
TCEM
Perodo

Fecha de pago

Pluscuanperfecto Aparicio
36,000.00
75%
17/09/2013
5 aos

Amortizacin

Inters

Seguro
desgravamen

TEA
TEM
Seguro desgravamen
Seguro vehicular
Portes
Cuota simple
Modalidad de Pago
TCEA
Seguro
vehicular

STAMO VEHICULAR
17.00%

M
uro desgravamen
uro vehicular
es
ta simple
alidad de Pago
A
Portes

0.023%
0.18%
6.00
cada 30 das

Cuota total

Saldo

Flujos

CRONOGRAMA DE PAGOS - PRSTAMO HIPOTECARIO

Nombre cliente
Valor del inmueble
% de financiamiento
Importe del prstamo
Fecha del prstamo
Modalidad de Pago
Plazo de la operacin
Nmero de cuotas
Perodo

Fecha de pago

Pepe Botella
360,000.00
90.00%
02/07/2013
cada 30 das
20 aos

Amortizacin

Inters

Seguro desgravamen

TEA
TEM
Seguro desgravamen
Seguro inmueble
Portes+otros
Cuota simple
TCEM
TCEA
Seguro
inmobiliario

TAMO HIPOTECARIO
12.50%

M
uro desgravamen
uro inmueble
es+otros
ta simple
M
A
Portes

0.0780%
0.0770%
19.00

Cuota total

Saldo

Flujos

CRONOGRAMA DE PAGOS - PRSTAMO VEHICULAR

Nombre del cliente
Valor del vehculo
% de financiamiento
Importe del prstamo
Fecha del prstamo
Plazo de la operacin
Nmero de cuotas
TCEM
Perodo

Fecha de pago

Hodavas Quicao
36,000.00
75%
17/09/2013
3 aos

Amortizacin

Inters

Seguro
desgravamen

TEA
TEM
Seguro desgravamen
Seguro vehicular
Portes
Modalidad de Pago
Cuota simple
TCEA
Seguro
vehicular

STAMO VEHICULAR
22.00%

M
uro desgravamen
uro vehicular
es
alidad de Pago
ta simple
A
Portes

0.073%
0.029%
13.00
cada 30 das

Cuota total

Saldo

Flujos