Ejercicio 1

Enunciado: EJERCICIO-PRESTAMO POR REFINANCIA

El Banco Interamericano de Finanzas ot
PERIODO CAPITAL INICIALAMORTIZACIÓN INTERES CUOTA ESTADO cuadro de amortización:
0 S/ 300,000.00 Desarrollo:
1 S/ 290,138.67 S/ 9,861.33 S/ 6,000.00 S/ 15,861.33 Pagada Amortización
2 S/ 280,080.11 S/ 10,058.56 S/ 5,802.77 S/ 15,861.33 Pagada
3 S/ 269,820.39 S/ 10,259.73 S/ 5,601.60 S/ 15,861.33 Pagada Me
4 S/ 259,355.46 S/ 10,464.92 S/ 5,396.41 S/ 15,861.33 Pagada Prestamo:
5 S/ 248,681.24 S/ 10,674.22 S/ 5,187.11 S/ 15,861.33 Pagada Cuota (K)
6 S/ 237,793.54 S/ 10,887.71 S/ 4,973.62 S/ 15,861.33 Pagada TEA:
7 S/ 226,688.08 S/ 11,105.46 S/ 4,755.87 S/ 15,861.33 Pagada iq mensual
8 S/ 215,360.51 S/ 11,327.57 S/ 4,533.76 S/ 15,861.33 Pagada Cuota (K)
9 S/ 203,806.39 S/ 11,554.12 S/ 4,307.21 S/ 15,861.33 Pagada
10 S/ 192,021.19 S/ 11,785.20 S/ 4,076.13 S/ 15,861.33 Vencida Periodo
11 S/ 180,000.28 S/ 12,020.91 S/ 3,840.42 S/ 15,861.33 Vencida 0
12 S/ 167,738.96 S/ 12,261.32 S/ 3,600.01 S/ 15,861.33 Vencida 1
13 S/ 155,232.41 S/ 12,506.55 S/ 3,354.78 S/ 15,861.33 Vencida 2
14 S/ 142,475.72 S/ 12,756.68 S/ 3,104.65 S/ 15,861.33 Vencida 3
15 S/ 129,463.91 S/ 13,011.82 S/ 2,849.51 S/ 15,861.33 Vencida 4
15 S/ 116,191.86 S/ 13,272.05 S/ 2,589.28 S/ 15,861.33 Vencida 5
17 S/ 102,654.36 S/ 13,537.49 S/ 2,323.84 S/ 15,861.33 Por vencer 6
18 S/ 88,846.12 S/ 13,808.24 S/ 2,053.09 S/ 15,861.33 Por vencer 7
19 S/ 74,761.71 S/ 14,084.41 S/ 1,776.92 S/ 15,861.33 Por vencer 8
20 S/ 60,395.62 S/ 14,366.10 S/ 1,495.23 S/ 15,861.33 Por vencer 9
21 S/ 45,742.20 S/ 14,653.42 S/ 1,207.91 S/ 15,861.33 Por vencer 10
22 S/ 30,795.71 S/ 14,946.49 S/ 914.84 S/ 15,861.33 Por vencer 11
23 S/ 15,550.30 S/ 15,245.42 S/ 615.91 S/ 15,861.33 Por vencer 12
24 S/ -0.03 S/ 15,550.32 S/ 311.01 S/ 15,861.33 Por vencer 13
TOTAL S/300,000.03 S/80,671.89 S/380,671.92 14
15
16
17
18
19
20
21
22
23
24
RCICIO-PRESTAMO POR REFINANCIAMIENTO
anco Interamericano de Finanzas otorgo a su cliente un préstamo con el siguiente
dro de amortización:

ortización

Metodo Frances (Cuota Fija)

300,000.00
24 Cada / cuota mensual
17.00%
1.32%
14,660.79

Principal Amortización Interes Cuota total

300,000.00 - - -
300,000.00 10,709.90 3,950.88 14,660.79
289,290.10 10,850.95 3,809.84 14,660.79
278,439.15 10,993.85 3,666.94 14,660.79
267,445.30 11,138.64 3,522.15 14,660.79
256,306.66 11,285.33 3,375.46 14,660.79
245,021.33 11,433.95 3,226.84 14,660.79
233,587.38 11,584.53 3,076.25 14,660.79
222,002.85 11,737.10 2,923.69 14,660.79
210,265.75 11,891.67 2,769.12 14,660.79
198,374.09 12,048.28 2,612.51 14,660.79
186,325.81 12,206.95 2,453.84 14,660.79
174,118.86 12,367.71 2,293.08 14,660.79
161,751.15 12,530.59 2,130.20 14,660.79
149,220.57 12,695.61 1,965.18 14,660.79
136,524.96 12,862.81 1,797.98 14,660.79
123,662.15 13,032.20 1,628.58 14,660.79
110,629.94 13,203.83 1,456.95 14,660.79
97,426.11 13,377.72 1,283.06 14,660.79
84,048.39 13,553.90 1,106.88 14,660.79
70,494.49 13,732.40 928.38 14,660.79
56,762.09 13,913.25 747.53 14,660.79
42,848.83 14,096.48 564.30 14,660.79
28,752.35 14,282.13 378.66 14,660.79
14,470.22 14,470.22 190.57 14,660.79
0.00 300,000.00 51,858.88 351,858.88