BONO FONDO MI VIVIENDA S/.

31,600

Area Valor total Valor de Bono

AREA DE TERRENO
construida Vivienda FMV
33 S/.43,875 S/.31,600
90
40 S/.48,515 S/.31,600
LOTE
33 S/.51,875 S/.31,600
120
40 S/.54,900 S/.31,600

Valor de
Area viv. 12 Cuotas
AREA DE TERRENO
construida c/descuent Total
o
33 S/.12,275 S/.3,720
90
40 S/.16,915 S/.7,668
LOTE
33 S/.20,275 S/.10,524
120
40 S/.23,300 S/.13,092

Diferencial Diferencial de
Area
AREA DE TERRENO de pago 12 pago 24
construida
Cuotas Cuotas
33 S/.220
90
40 S/.456 S/.876
LOTE
33 S/.624 S/.1,212
120
40 S/.772 S/.1,504

comprar 2 casas de 90 x 33

Area
Valor de viv.
Area Terreno Total techada Inicial 10%
c/descuento
total
LOTE 180 m2 66 m2 S/.24,550 S/.8,775
LOTE 120 m2 40 m2 S/.23,300 S/.5,490

DIFERENCIA 60 m2 26 m2 S/.1,250.00 S/.3,285.00

 Valor de
viv.
Inicial 10% Inicial 20% 12 Cuotas 24 cuotas 36 cuotas
c/descuent
o
S/.12,275 S/.4,388 S/.8,775 S/.310
S/.16,915 S/.4,852 S/.9,703 S/.639 S/.337
S/.20,275 S/.5,188 S/.10,375 S/.877 S/.463 S/.326
S/.23,300 S/.5,490 S/.10,980 S/.1,091 S/.576 S/.406

Sumatoria Sumatoria Sumatoria

24 cuotas 36 cuotas
de Pagos a de Pagos a de Pagos a
Total total
12 24 36
S/.12,495
S/.17,371 S/.8,088 S/.17,791
S/.20,899 S/.11,112 S/.21,487 S/.11,736 S/.22,111
S/.24,072 S/.13,824 S/.24,804 S/.14,616 S/.25,596

Diferencial
de pago 36
Cuotas

S/.1,836
S/.2,296

Sumatoria Diferencial
12 Cuotas
Inicial 20% 12 Cuotas de Pagos a de pago 12
Total
12 Cuotas
S/.17,550 S/.620 S/.7,440 S/.24,990 S/.440
S/.10,980 S/.1,091 S/.13,092 S/.24,072 S/.772

S/.6,570.00 -S/.471.00 -S/.5,652.00 S/.918.00 -S/.332.00

Sumatoria de S/.10,000
interes anual 30 %
plazo 2 ao = 24 meses

Tasa efectiva Mensual

=[[(1+/100)^(/360) ]1]100

TEM = 2.2104 = 0.022

Calculo cuota

=[((1+)^)/((1+)^1)]

C= S/.541.40 12993.57
S/.2,994

Omar:

pago inters amortizacion cuota

10000.0
9679.6 221.0 320.4 S/.541.4
9352.2 214.0 327.4 S/.541.4
9017.5 206.7 334.7 S/.541.4
8675.5 199.3 342.1 S/.541.4
8325.8 191.8 349.6 S/.541.4
7968.5 184.0 357.4 S/.541.4
7603.2 176.1 365.3 S/.541.4
7229.9 168.1 373.3 S/.541.4
6848.3 159.8 381.6 S/.541.4
6458.3 151.4 390.0 S/.541.4
6059.6 142.8 398.6 S/.541.4
5652.2 133.9 407.5 S/.541.4
5235.7 124.9 416.5 S/.541.4
4810.0 115.7 425.7 S/.541.4
4375.0 106.3 435.1 S/.541.4
3930.3 96.7 444.7 S/.541.4
3475.8 86.9 454.5 S/.541.4
3011.2 76.8 464.6 S/.541.4
2536.3 66.6 474.8 S/.541.4
2051.0 56.1 485.3 S/.541.4
1555.0 45.3 496.1 S/.541.4
1047.9 34.4 507.0 S/.541.4
529.7 23.2 518.2 S/.541.4
0.0 11.7 529.7 S/.541.4
 2993.6 10000.0 12993.6
12993.6

total pago de ++ tmpo cuota

5000 747.2 1 ao 478.93
10000 1494.3 1 ao 957.86
10000 2993.6 2 aos 541.40
17550 8082.8 3 aos 712.02
Sumatoria de S/.15,603
interes anual 30 %
plazo 3 ao = 36 meses

Tasa efectiva Mensual

TEM = 2.2104 = 0.022

Calculo cuota

C= S/.633.04 22789.36
S/.7,186

Omar:

pago inters amortizacion cuota

15603.2
15315.1 344.9 288.1 S/.633.0
15020.6 338.5 294.5 S/.633.0
14719.6 332.0 301.0 S/.633.0
14411.9 325.4 307.7 S/.633.0
14097.4 318.6 314.5 S/.633.0
13776.0 311.6 321.4 S/.633.0
13447.5 304.5 328.5 S/.633.0
13111.7 297.2 335.8 S/.633.0
12768.5 289.8 343.2 S/.633.0
12417.7 282.2 350.8 S/.633.0
12059.1 274.5 358.6 S/.633.0
11692.6 266.6 366.5 S/.633.0
11318.1 258.5 374.6 S/.633.0
10935.2 250.2 382.9 S/.633.0
10543.9 241.7 391.3 S/.633.0
10143.9 233.1 400.0 S/.633.0
9735.1 224.2 408.8 S/.633.0
9317.2 215.2 417.8 S/.633.0
8890.2 206.0 427.1 S/.633.0
8453.6 196.5 436.5 S/.633.0
8007.5 186.9 446.2 S/.633.0
7551.4 177.0 456.0 S/.633.0
7085.3 166.9 466.1 S/.633.0
6608.9 156.6 476.4 S/.633.0
6121.9 146.1 487.0 S/.633.0
5624.2 135.3 497.7 S/.633.0
5115.5 124.3 508.7 S/.633.0
4595.5 113.1 520.0 S/.633.0
4064.1 101.6 531.5 S/.633.0
3520.9 89.8 543.2 S/.633.0
2965.7 77.8 555.2 S/.633.0
2398.2 65.6 567.5 S/.633.0
1818.1 53.0 580.0 S/.633.0
1225.3 40.2 592.8 S/.633.0
619.3 27.1 606.0 S/.633.0
0.0 13.7 619.3 S/.633.0

7186.1 15603.2 22789.4

22789.4

total pago de ++ tmpo cuota

5000 747.16 1 ao 478.93
10000 1494.31 1 ao 957.86
10000 7186.15 2 aos 541.40
15603 4670.93 2 aos 844.76
17550 8082.75 3 aos 712.02
17550 7186.15 3 aos 633.04
Sumatoria de S/.15,603
interes anual 30 %
plazo 4 ao = 48 meses

Tasa efectiva Mensual

TEM = 2.2104 = 0.022

Calculo cuota

C= S/.530.72 25474.58
S/.9,871

Omar:

pago inters amortizacion cuota

15603.2
15417.4 344.9 185.8 S/.530.7
15227.5 340.8 189.9 S/.530.7
15033.3 336.6 194.1 S/.530.7
14834.9 332.3 198.4 S/.530.7
14632.1 327.9 202.8 S/.530.7
14424.8 323.4 207.3 S/.530.7
14213.0 318.9 211.9 S/.530.7
13996.4 314.2 216.6 S/.530.7
13775.1 309.4 221.3 S/.530.7
13548.8 304.5 226.2 S/.530.7
13317.6 299.5 231.2 S/.530.7
13081.3 294.4 236.3 S/.530.7
12839.7 289.2 241.6 S/.530.7
12592.8 283.8 246.9 S/.530.7
12340.4 278.4 252.4 S/.530.7
12082.5 272.8 257.9 S/.530.7
11818.9 267.1 263.6 S/.530.7
11549.4 261.2 269.5 S/.530.7
11274.0 255.3 275.4 S/.530.7
10992.4 249.2 281.5 S/.530.7
10704.7 243.0 287.7 S/.530.7
10410.6 236.6 294.1 S/.530.7
10110.0 230.1 300.6 S/.530.7
9802.8 223.5 307.2 S/.530.7
9488.7 216.7 314.0 S/.530.7
9167.7 209.7 321.0 S/.530.7
8839.7 202.6 328.1 S/.530.7
8504.4 195.4 335.3 S/.530.7
8161.6 188.0 342.7 S/.530.7
7811.3 180.4 350.3 S/.530.7
7453.2 172.7 358.1 S/.530.7
7087.3 164.7 366.0 S/.530.7
6713.2 156.7 374.1 S/.530.7
6330.9 148.4 382.3 S/.530.7
5940.1 139.9 390.8 S/.530.7
5540.7 131.3 399.4 S/.530.7
5132.4 122.5 408.2 S/.530.7
4715.2 113.4 417.3 S/.530.7
4288.7 104.2 426.5 S/.530.7
3852.8 94.8 435.9 S/.530.7
3407.2 85.2 445.6 S/.530.7
2951.8 75.3 455.4 S/.530.7
2486.3 65.2 465.5 S/.530.7
2010.6 55.0 475.8 S/.530.7
1524.3 44.4 486.3 S/.530.7
1027.3 33.7 497.0 S/.530.7
519.2 22.7 508.0 S/.530.7
0.0 11.5 519.2 S/.530.7

9043.4 10062.5 19105.9

19105.9

total pago de ++ tmpo cuota

5000 747.16 1 ao 478.93
10000 1494.31 1 ao 957.86
10000 9871.37 2 aos 541.40
15603 4670.93 2 aos 844.76
17550 8082.75 3 aos 712.02
17550 7186.15 3 aos 633.04