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14/06/2016
ABR-AGO2016
DESARROLLO DE
EMPRENDEDORES
TAREA N1
TABLA DE AMORTIZACION
Simulador de crditos PRODUBANCO
# Cuota
Saldo
Inters
Capital
Cuota Mensual
5000
4943.84
63.29
56.16
119.45
4886.97
62.58
56.87
119.45
4829.39
61.86
57.59
119.45
4771.07
61.13
58.32
119.45
4712.01
60.39
59.06
119.45
4652.21
59.65
59.80
119.45
4591.65
58.89
60.56
119.45
4530.33
58.12
61.33
119.45
4468.22
57.35
62.10
119.45
10
4405.34
56.56
62.89
119.45
11
4341.65
55.76
63.68
119.45
12
4277.16
54.96
64.49
119.45
13
4211.85
54.14
65.31
119.45
14
4145.72
53.32
66.13
119.45
15
4078.75
52.48
66.97
119.45
16
4010.93
51.63
67.82
119.45
17
3942.25
50.77
68.68
119.45
18
3872.70
49.90
69.55
119.45
19
3802.28
49.02
70.43
119.45
20
3730.96
48.13
71.32
119.45
21
3658.74
47.23
72.22
119.45
22
3585.60
46.31
73.14
119.45
23
3511.54
45.39
74.06
119.45
24
3436.54
44.45
75.00
119.45
25
3360.60
43.50
75.95
119.45
26
3283.69
42.54
76.91
119.45
27
3205.80
41.57
77.88
119.45
28
3126.93
40.58
78.87
119.45
29
3047.07
39.58
79.87
119.45
30
2966.19
38.57
80.88
119.45
31
2884.29
37.55
81.90
119.45
32
2801.35
36.51
82.94
119.45
33
2717.36
35.46
83.99
119.45
34
2632.31
34.40
85.05
119.45
35
2546.18
33.32
86.13
119.45
36
2458.96
32.23
87.22
119.45
37
2370.64
31.13
88.32
119.45
38
2281.20
30.01
89.44
119.45
39
2190.63
28.88
90.57
119.45
40
2098.91
27.73
91.72
119.45
41
2006.03
26.57
92.88
119.45
42
1911.97
25.39
94.06
119.45
43
1816.72
24.20
95.25
119.45
44
1720.27
23.00
96.45
119.45
45
1622.60
21.78
97.67
119.45
46
1523.69
20.54
98.91
119.45
47
1423.53
19.29
100.16
119.45
48
1322.10
18.02
101.43
119.45
49
1219.38
16.74
102.71
119.45
50
1115.37
15.44
104.01
119.45
51
1010.04
14.12
105.33
119.45
52
903.38
12.79
106.66
119.45
53
795.36
11.44
108.01
119.45
54
685.98
10.07
109.38
119.45
55
575.22
8.68
110.77
119.45
56
463.05
7.28
112.17
119.45
57
349.46
5.86
113.59
119.45
58
234.44
4.42
115.03
119.45
59
117.96
2.97
116.48
119.45
60
0.00
TOTAL
1.49
117.96
119.45
2166.93
5000.00
7166.93
Fuente:
https://www.produbanco.com/GFPNet/html_temp/simuladores/noresidencial.
aspx
Cuota
Saldo Capital
Capital
Inters
Seguro
Desgravamen
Valor a
Pagar
5,000.00
65.31
39.87
1.31
106.49
4,934.69
65.83
39.35
1.29
106.47
4,868.86
66.35
38.83
1.28
106.45
4,802.51
66.88
38.30
1.26
106.44
4,735.63
67.42
37.76
1.24
106.42
4,668.21
67.95
37.22
1.22
106.40
4,600.26
68.49
36.68
1.21
106.38
4,531.77
69.04
36.14
1.19
106.37
4,462.73
69.59
35.59
1.17
106.35
10
4,393.13
70.15
35.03
1.15
106.33
11
4,322.99
70.71
34.47
1.13
106.31
12
4,252.28
71.27
33.91
1.11
106.29
13
4,181.01
71.84
33.34
1.10
106.27
14
4,109.17
72.41
32.77
1.08
106.25
15
4,036.76
72.99
32.19
1.06
106.24
16
3,963.78
73.57
31.61
1.04
106.22
17
3,890.21
74.16
31.02
1.02
106.20
18
3,816.05
74.75
30.43
1.00
106.18
19
3,741.30
75.34
29.83
0.98
106.16
20
3,665.96
75.95
29.23
0.96
106.14
21
3,590.01
76.55
28.63
0.94
106.12
22
3,513.46
77.16
28.02
0.92
106.10
23
3,436.30
77.78
27.40
0.90
106.08
24
3,358.52
78.40
26.78
0.88
106.06
25
3,280.13
79.02
26.16
0.86
106.04
26
3,201.10
79.65
25.53
0.84
106.02
27
3,121.45
80.29
24.89
0.82
106.00
28
3,041.17
80.93
24.25
0.80
105.97
29
2,960.24
81.57
23.61
0.78
105.95
30
2,878.67
82.22
22.95
0.75
105.93
31
2,796.44
82.88
22.30
0.73
105.91
32
2,713.56
83.54
21.64
0.71
105.89
33
2,630.02
84.21
20.97
0.69
105.87
34
2,545.82
84.88
20.30
0.67
105.85
35
2,460.94
85.55
19.62
0.64
105.82
36
2,375.39
86.24
18.94
0.62
105.80
37
2,289.15
86.92
18.25
0.60
105.78
38
2,202.23
87.62
17.56
0.58
105.76
39
2,114.61
88.32
16.86
0.55
105.73
40
2,026.30
89.02
16.16
0.53
105.71
41
1,937.28
89.73
15.45
0.51
105.69
42
1,847.55
90.45
14.73
0.48
105.66
43
1,757.10
91.17
14.01
0.46
105.64
44
1,665.93
91.89
13.28
0.44
105.61
45
1,574.04
92.63
12.55
0.41
105.59
46
1,481.41
93.36
11.81
0.39
105.57
47
1,388.05
94.11
11.07
0.36
105.54
48
1,293.94
94.86
10.32
0.34
105.52
49
1,199.08
95.62
9.56
0.31
105.49
50
1,103.46
96.38
8.80
0.29
105.47
51
1,007.08
97.15
8.03
0.26
105.44
52
909.94
97.92
7.26
0.24
105.42
53
812.02
98.70
6.48
0.21
105.39
54
713.31
99.49
5.69
0.19
105.36
55
613.82
100.28
4.89
0.16
105.34
56
513.54
101.08
4.10
0.13
105.31
57
412.46
101.89
3.29
0.11
105.29
58
310.57
102.70
2.48
0.08
105.26
59
207.87
103.52
1.66
0.05
105.23
60
104.35
104.35
0.83
0.03
105.21
Fuente: https://www.bnf.fin.ec/index.php?
option=com_wrapper&view=wrapper&Itemid=342
Tasas de Inters
junio - 2016
1.
Tasas Referenciales
Tasa Activa Efectiva
Referencial
% anual
para el segmento:
Tasas Mximas
Tasa Activa Efectiva Mxima
% anual
para el segmento:
Productivo Corporativo
9.31
Productivo Corporativo
9.33
Productivo Empresarial
9.96
Productivo Empresarial
10.21
Productivo PYMES
11.83
11.83
Productivo PYMES
11.33
Comercial Ordinario
9.34
Comercial Ordinario
8.66
9.33
9.82
10.21
11.10
11.83
Consumo Ordinario
16.24
Consumo Ordinario*
17.30
Consumo Prioritario
15.90
Consumo Prioritario **
17.30
Educativo
9.31
Educativo **
9.50
Inmobiliario
Vivienda de Inters Pblico
Microcrdito Minorista
Microcrdito de Acumulacin
Simple
Microcrdito de Acumulacin
Ampliada
10.72
4.98
24.46
23.85
21.18
Inmobiliario
Vivienda de Inters Pblico
Microcrdito Minorista
Microcrdito de Acumulacin
Simple
Microcrdito de Acumulacin
Ampliada
11.33
4.99
30.50
27.50
25.50
8.32
9.33
Inversin Pblica
Inversin Pblica
Nota:
*Segn la Resolucin 140-2015-F, publicada en el Suplemento del Registro Oficial No. 627
de 13 de noviembre de 2015, se establece que la tasa de inters activa efectiva mxima
para el segmento Consumo Ordinario ser de 17.30%; la misma que entrar en vigencia a
partir de su publicacin en el Registro Oficial.
**Segn la Resolucin 154-2015-F, de 25 de noviembre de 2015, se establece que la tasa
de inters activa efectiva mxima para el segmento Consumo Prioritario ser de 17.30% y
para el segmento Educativo ser de 9.50%
2.
Tasas Referenciales
Depsitos a plazo
% anual
6.00
Depsitos monetarios
0.59
Operaciones de Reporto
0.08
3.
Tasas Referenciales
Depsitos de Ahorro
Depsitos de Tarjetahabientes
% anual
1.27
1.19
Plazo 30-60
Tasas Referenciales
% anual
5.03
Plazo 121-180
Tasas Referenciales
% anual
6.71
Plazo 61-90
5.36
Plazo 181-360
7.06
Plazo 91-120
5.96
Plazo 361 y ms
7.91