BANCO A

Datos iniciales No cuota Valor cuota Intereses Abono capital

Deuda 135,000,000 0 0 0 0
Tasa de interes 8% 1 2,746,327.60 € 915680.805 1,830,646.80 €
Plazo 60 meses 2 2,746,327.60 € 903263.856 1,843,063.75 €
3 2,746,327.60 € 890762.685 1,855,564.92 €
Variables 4 2,746,327.60 € ### 1,868,150.88 €
Monto 135,000,000 5 2,746,327.60 € ### 1,880,822.21 €
No pagos/año 12 6 2,746,327.60 € ### 1,893,579.49 €
No de cuotas 60 7 2,746,327.60 € ### 1,906,423.30 €
Tasa periodica 0.0067828208 8 2,746,327.60 € ### 1,919,354.23 €
9 2,746,327.60 € 813954.734 1,932,372.87 €
Valor cuota 2,746,327.60 € 10 2,746,327.60 € ### 1,945,479.81 €
11 2,746,327.60 € 787651.954 1,958,675.65 €
12 2,746,327.60 € 774366.609 1,971,960.99 €
DTF(2-6 sept) 4.45% 13 2,746,327.60 € 760991.151 1,985,336.45 €
Tasa de interes DTF + 4% TA 14 2,746,327.60 € 747524.969 1,998,802.63 €
15 2,746,327.60 € 733967.449 2,012,360.15 €
16 2,746,327.60 € 720317.971 2,026,009.63 €
17 2,746,327.60 € 706575.911 2,039,751.69 €
18 2,746,327.60 € 692740.641 2,053,586.96 €
19 2,746,327.60 € 678811.528 2,067,516.07 €
20 2,746,327.60 € 664787.937 2,081,539.66 €
21 2,746,327.60 € 650669.227 2,095,658.37 €
22 2,746,327.60 € 636454.752 2,109,872.85 €
23 2,746,327.60 € 622143.862 2,124,183.74 €
24 2,746,327.60 € 607735.905 2,138,591.70 €
25 2,746,327.60 € 593230.221 2,153,097.38 €
26 2,746,327.60 € 578626.147 2,167,701.45 €
27 2,746,327.60 € 563923.016 2,182,404.59 €
28 2,746,327.60 € 549120.157 2,197,207.44 €
29 2,746,327.60 € 534216.893 2,212,110.71 €
30 2,746,327.60 € 519212.542 2,227,115.06 €
31 2,746,327.60 € 504106.42 2,242,221.18 €
32 2,746,327.60 € 488897.836 2,257,429.77 €
33 2,746,327.60 € 473586.094 2,272,741.51 €
34 2,746,327.60 € 458170.496 2,288,157.11 €
35 2,746,327.60 € 442650.336 2,303,677.27 €
36 2,746,327.60 € 427024.906 2,319,302.70 €
37 2,746,327.60 € 411293.492 2,335,034.11 €
38 2,746,327.60 € 395455.374 2,350,872.23 €
39 2,746,327.60 € 379509.829 2,366,817.77 €
40 2,746,327.60 € 363456.128 2,382,871.47 €
41 2,746,327.60 € 347293.538 2,399,034.06 €
42 2,746,327.60 € 331021.32 2,415,306.28 €
43 2,746,327.60 € 314638.73 2,431,688.87 €
44 2,746,327.60 € 298145.021 2,448,182.58 €
45 2,746,327.60 € 281539.437 2,464,788.16 €
46 2,746,327.60 € 264821.22 2,481,506.38 €
47 2,746,327.60 € 247989.607 2,498,337.99 €
48 2,746,327.60 € 231043.829 2,515,283.77 €
49 2,746,327.60 € 213983.11 2,532,344.49 €
50 2,746,327.60 € 196806.671 2,549,520.93 €
51 2,746,327.60 € 179513.727 2,566,813.87 €
52 2,746,327.60 € 162103.489 2,584,224.11 €
53 2,746,327.60 € ### 2,601,752.44 €
54 2,746,327.60 € 126927.939 2,619,399.66 €
55 2,746,327.60 € 109161.021 2,637,166.58 €
56 2,746,327.60 € 91273.5925 2,655,054.01 €
57 2,746,327.60 € 73264.837 2,673,062.76 €
58 2,746,327.60 € 55133.9313 2,691,193.67 €
59 2,746,327.60 € 36880.047 2,709,447.55 €
60 2,746,327.60 € 18502.3498 2,727,825.25 €
 BANCO B
Saldo Datos iniciales No cuota Valor cuota
135,000,000 Deuda 135,000,000 0 0
133,169,353 Tasa de interes 5% 1 3,111,514.17 €
131,326,289.46 € Plazo 48 meses 2 3,111,514.17 €
129,470,724.54 € 3 3,111,514.17 €
127,602,573.66 € Variables 4 3,111,514.17 €
125,721,751.45 € Monto 135,000,000 5 3,111,514.17 €
123,828,171.95 € No pagos/año 12 6 3,111,514.17 €
121,921,748.65 € No de cuotas 48 7 3,111,514.17 €
120,002,394.42 € Tasa periodica 0.0042015363 8 3,111,514.17 €
118,070,021.55 € 9 3,111,514.17 €
116,124,541.74 € Valor cuota 3,111,514.17 € 10 3,111,514.17 €
114,165,866.10 € 11 3,111,514.17 €
112,193,905.10 € 12 3,111,514.17 €
110,208,568.65 € IPC (agosto) 0.16% 13 3,111,514.17 €
108,209,766.02 € Tasa de interes 5.16% 14 3,111,514.17 €
106,197,405.87 € 15 3,111,514.17 €
104,171,396.24 € 16 3,111,514.17 €
102,131,644.55 € 17 3,111,514.17 €
100,078,057.59 € 18 3,111,514.17 €
98,010,541.51 € 19 3,111,514.17 €
95,929,001.85 € 20 3,111,514.17 €
93,833,343.47 € 21 3,111,514.17 €
91,723,470.63 € 22 3,111,514.17 €
89,599,286.89 € 23 3,111,514.17 €
87,460,695.19 € 24 3,111,514.17 €
85,307,597.81 € 25 3,111,514.17 €
83,139,896.35 € 26 3,111,514.17 €
80,957,491.77 € 27 3,111,514.17 €
78,760,284.32 € 28 3,111,514.17 €
76,548,173.62 € 29 3,111,514.17 €
74,321,058.56 € 30 3,111,514.17 €
72,078,837.38 € 31 3,111,514.17 €
69,821,407.61 € 32 3,111,514.17 €
67,548,666.10 € 33 3,111,514.17 €
65,260,509.00 € 34 3,111,514.17 €
62,956,831.73 € 35 3,111,514.17 €
60,637,529.04 € 36 3,111,514.17 €
58,302,494.93 € 37 3,111,514.17 €
55,951,622.70 € 38 3,111,514.17 €
53,584,804.93 € 39 3,111,514.17 €
51,201,933.45 € 40 3,111,514.17 €
48,802,899.39 € 41 3,111,514.17 €
46,387,593.11 € 42 3,111,514.17 €
43,955,904.24 € 43 3,111,514.17 €
41,507,721.66 € 44 3,111,514.17 €
39,042,933.49 € 45 3,111,514.17 €
36,561,427.11 € 46 3,111,514.17 €
34,063,089.12 € 47 3,111,514.17 €
31,547,805.34 € 48 3,111,514.17 €
29,015,460.85 €
26,465,939.92 €
23,899,126.05 €
21,314,901.93 €
18,713,149.49 €
16,093,749.83 €
13,456,583.25 €
10,801,529.24 €
8,128,466.48 €
5,437,272.81 €
2,727,825.25 €
0.00 €
 BANCO C
Intereses Abono capital Saldo Datos iniciales
0 0 135,000,000 Deuda 135,000,000
567,207.40 € 2,544,306.77 € 132,455,693 Tasa de interes 11%
556,517.40 € 2,554,996.76 € 129,900,696.47 € Plazo 72 meses
545,782.49 € 2,565,731.68 € 127,334,964.79 €
535,002.48 € 2,576,511.69 € 124,758,453.10 € Variables
524,177.17 € 2,587,337.00 € 122,171,116.11 € Monto 135,000,000
513,306.38 € 2,598,207.79 € 119,572,908.32 € No pagos/año 12
502,389.91 € 2,609,124.25 € 116,963,784.07 € No de cuotas 72
491,427.58 € 2,620,086.58 € 114,343,697.48 € Tasa periodica 0.0087345938
480,419.20 € 2,631,094.97 € 111,712,602.51 €
469,364.55 € 2,642,149.61 € 109,070,452.90 € Valor cuota 2,533,892.65 €
458,263.47 € 2,653,250.70 € 106,417,202.20 €
447,115.74 € 2,664,398.43 € 103,752,803.77 €
435,921.17 € 2,675,593.00 € 101,077,210.78 €
424,679.57 € 2,686,834.60 € 98,390,376.18 €
413,390.74 € 2,698,123.43 € 95,692,252.75 €
402,054.47 € 2,709,459.69 € 92,982,793.06 €
390,670.58 € 2,720,843.59 € 90,261,949.47 €
379,238.86 € 2,732,275.31 € 87,529,674.16 €
367,759.10 € 2,743,755.06 € 84,785,919.10 €
356,231.12 € 2,755,283.05 € 82,030,636.05 €
344,654.69 € 2,766,859.47 € 79,263,776.57 €
333,029.63 € 2,778,484.53 € 76,485,292.04 €
321,355.73 € 2,790,158.44 € 73,695,133.60 €
309,632.78 € 2,801,881.39 € 70,893,252.22 €
297,860.57 € 2,813,653.59 € 68,079,598.62 €
286,038.90 € 2,825,475.26 € 65,254,123.36 €
274,167.57 € 2,837,346.60 € 62,416,776.76 €
262,246.35 € 2,849,267.81 € 59,567,508.95 €
250,275.05 € 2,861,239.12 € 56,706,269.83 €
238,253.45 € 2,873,260.72 € 53,833,009.12 €
226,181.34 € 2,885,332.82 € 50,947,676.29 €
214,058.51 € 2,897,455.66 € 48,050,220.64 €
201,884.75 € 2,909,629.42 € 45,140,591.22 €
189,659.83 € 2,921,854.33 € 42,218,736.88 €
177,383.56 € 2,934,130.61 € 39,284,606.27 €
165,055.70 € 2,946,458.47 € 36,338,147.80 €
152,676.05 € 2,958,838.12 € 33,379,309.68 €
140,244.38 € 2,971,269.79 € 30,408,039.90 €
127,760.48 € 2,983,753.68 € 27,424,286.21 €
115,224.13 € 2,996,290.03 € 24,427,996.18 €
102,635.11 € 3,008,879.05 € 21,419,117.13 €
89,993.20 € 3,021,520.97 € 18,397,596.16 €
77,298.17 € 3,034,216.00 € 15,363,380.16 €
64,549.80 € 3,046,964.37 € 12,316,415.79 €
51,747.87 € 3,059,766.30 € 9,256,649.49 €
38,892.15 € 3,072,622.02 € 6,184,027.48 €
25,982.42 € 3,085,531.75 € 3,098,495.72 €
13,018.44 € 3,098,495.72 € -0.00 €
No cuota Valor cuota Intereses Abono capital Saldo
0 0 0 0 135,000,000
1 2,533,892.65 € 1,179,170.17 € 1,354,722.49 € 133,645,278
2 2,533,892.65 € 1,167,337.22 € 1,366,555.44 € 132,278,722
3 2,533,892.65 € 1,155,400.91 € 1,378,491.74 € 130,900,230
4 2,533,892.65 € 1,143,360.34 € 1,390,532.31 € 129,509,698
5 2,533,892.65 € 1,131,214.61 € 1,402,678.04 € 128,107,020
6 2,533,892.65 € 1,118,962.79 € 1,414,929.87 € 126,692,090
7 2,533,892.65 € 1,106,603.95 € 1,427,288.70 € 125,264,801
8 2,533,892.65 € 1,094,137.16 € 1,439,755.49 € 123,825,046
9 2,533,892.65 € 1,081,561.48 € 1,452,331.17 € 122,372,715
10 2,533,892.65 € 1,068,875.96 € 1,465,016.69 € 120,907,698
11 2,533,892.65 € 1,056,079.63 € 1,477,813.02 € 119,429,885
12 2,533,892.65 € 1,043,171.54 € 1,490,721.12 € 117,939,164
13 2,533,892.65 € 1,030,150.69 € 1,503,741.96 € 116,435,422
14 2,533,892.65 € 1,017,016.12 € 1,516,876.53 € 114,918,545
15 2,533,892.65 € 1,003,766.82 € 1,530,125.84 € 113,388,420
16 2,533,892.65 € 990,401.79 € 1,543,490.86 € 111,844,929
17 2,533,892.65 € 976,920.02 € 1,556,972.63 € 110,287,956
18 2,533,892.65 € 963,320.50 € 1,570,572.15 € 108,717,384
19 2,533,892.65 € 949,602.19 € 1,584,290.46 € 107,133,093
20 2,533,892.65 € 935,764.06 € 1,598,128.60 € 105,534,965
21 2,533,892.65 € 921,805.05 € 1,612,087.60 € 103,922,877
22 2,533,892.65 € 907,724.12 € 1,626,168.53 € 102,296,709
23 2,533,892.65 € 893,520.20 € 1,640,372.45 € 100,656,336
24 2,533,892.65 € 879,192.21 € 1,654,700.44 € 99,001,636
25 2,533,892.65 € 864,739.08 € 1,669,153.58 € 97,332,482
26 2,533,892.65 € 850,159.70 € 1,683,732.95 € 95,648,749
27 2,533,892.65 € 835,452.98 € 1,698,439.68 € 93,950,310
28 2,533,892.65 € 820,617.79 € 1,713,274.86 € 92,237,035
29 2,533,892.65 € 805,653.03 € 1,728,239.62 € 90,508,795
30 2,533,892.65 € 790,557.56 € 1,743,335.09 € 88,765,460
31 2,533,892.65 € 775,330.24 € 1,758,562.41 € 87,006,898
32 2,533,892.65 € 759,969.91 € 1,773,922.74 € 85,232,975
33 2,533,892.65 € 744,475.42 € 1,789,417.24 € 83,443,558
34 2,533,892.65 € 728,845.58 € 1,805,047.07 € 81,638,511
35 2,533,892.65 € 713,079.23 € 1,820,813.42 € 79,817,697
36 2,533,892.65 € 697,175.17 € 1,836,717.49 € 77,980,980
37 2,533,892.65 € 681,132.18 € 1,852,760.47 € 76,128,219
38 2,533,892.65 € 664,949.07 € 1,868,943.58 € 74,259,276
39 2,533,892.65 € 648,624.61 € 1,885,268.04 € 72,374,008
40 2,533,892.65 € 632,157.56 € 1,901,735.09 € 70,472,273
41 2,533,892.65 € 615,546.68 € 1,918,345.98 € 68,553,927
42 2,533,892.65 € 598,790.70 € 1,935,101.95 € 66,618,825
43 2,533,892.65 € 581,888.37 € 1,952,004.28 € 64,666,820
44 2,533,892.65 € 564,838.41 € 1,969,054.24 € 62,697,766
45 2,533,892.65 € 547,639.52 € 1,986,253.13 € 60,711,513
46 2,533,892.65 € 530,290.41 € 2,003,602.25 € 58,707,911
47 2,533,892.65 € 512,789.75 € 2,021,102.90 € 56,686,808
48 2,533,892.65 € 495,136.24 € 2,038,756.41 € 54,648,051
49 2,533,892.65 € 477,328.53 € 2,056,564.12 € 52,591,487
50 2,533,892.65 € 459,365.28 € 2,074,527.37 € 50,516,960
51 2,533,892.65 € 441,245.13 € 2,092,647.53 € 48,424,312
52 2,533,892.65 € 422,966.70 € 2,110,925.95 € 46,313,386
53 2,533,892.65 € 404,528.62 € 2,129,364.03 € 44,184,022
54 2,533,892.65 € 385,929.49 € 2,147,963.16 € 42,036,059
55 2,533,892.65 € 367,167.90 € 2,166,724.75 € 39,869,334
56 2,533,892.65 € 348,242.44 € 2,185,650.21 € 37,683,684
57 2,533,892.65 € 329,151.68 € 2,204,740.98 € 35,478,943
58 2,533,892.65 € 309,894.16 € 2,223,998.49 € 33,254,945
59 2,533,892.65 € 290,468.44 € 2,243,424.22 € 31,011,521
60 2,533,892.65 € 270,873.04 € 2,263,019.62 € 28,748,501
61 2,533,892.65 € 251,106.48 € 2,282,786.17 € 26,465,715
62 2,533,892.65 € 231,167.27 € 2,302,725.38 € 24,162,989
63 2,533,892.65 € 211,053.90 € 2,322,838.75 € 21,840,151
64 2,533,892.65 € 190,764.85 € 2,343,127.81 € 19,497,023
65 2,533,892.65 € 170,298.58 € 2,363,594.08 € 17,133,429
66 2,533,892.65 € 149,653.54 € 2,384,239.11 € 14,749,190
67 2,533,892.65 € 128,828.18 € 2,405,064.47 € 12,344,125
68 2,533,892.65 € 107,820.92 € 2,426,071.73 € 9,918,053
69 2,533,892.65 € 86,630.17 € 2,447,262.48 € 7,470,791
70 2,533,892.65 € 65,254.32 € 2,468,638.33 € 5,002,153
71 2,533,892.65 € 43,691.77 € 2,490,200.88 € 2,511,952
72 2,533,892.65 € 21,940.88 € 2,511,951.77 € 0
BANCO A
Tasa nominal anual 𝑇𝑎𝑠𝑎 𝑑𝑒 𝑖𝑛𝑡𝑒𝑟𝑒𝑠∗𝑁𝑢𝑚𝑒𝑟𝑜 𝑑𝑒 𝑝𝑒𝑟𝑖𝑜𝑑𝑜𝑠 𝑒𝑛 𝑒𝑙 𝑎ñ𝑜
Tasa nominal Anual 8,45% * 12 1.014

Tasa efectiva Anual (1+𝑇𝑎𝑠𝑎 𝑑𝑒 𝑖𝑛𝑡𝑒𝑟𝑒𝑠)^(𝑁𝑢𝑚𝑒𝑟𝑜 𝑑𝑒 𝑝𝑒𝑟𝑖𝑜𝑑𝑜𝑠 𝑒𝑛 𝑒𝑙 𝑎ñ𝑜)−1

Tasa efectiva Anual (1+8,45%)^12 1.647

(1+𝐸𝐴)^(𝑑𝑖𝑎𝑠/360)
Tasa periodica Mensual
Tasa periodica Mensual 1.032979727

BANCO B
Tasa nominal anual 𝑇𝑎𝑠𝑎 𝑑𝑒 𝑖𝑛𝑡𝑒𝑟𝑒𝑠∗𝑁𝑢𝑚𝑒𝑟𝑜 𝑑𝑒 𝑝𝑒𝑟𝑖𝑜𝑑𝑜𝑠 𝑒𝑛 𝑒𝑙 𝑎ñ𝑜
Tasa nominal Anual 5,16% * 12 0.6192

Tasa efectiva Anual (1+𝑇𝑎𝑠𝑎 𝑑𝑒 𝑖𝑛𝑡𝑒𝑟𝑒𝑠)^(𝑁𝑢𝑚𝑒𝑟𝑜 𝑑𝑒 𝑝𝑒𝑟𝑖𝑜𝑑𝑜𝑠 𝑒𝑛 𝑒𝑙 𝑎ñ𝑜)−1

Tasa efectiva Anual (1+5,16%)^12 0.829

(1+𝐸𝐴)^(𝑑𝑖𝑎𝑠/360)
Tasa periodica Mensual
Tasa periodica Mensual 1.020329532

BANCO C
Tasa nominal anual 𝑇𝑎𝑠𝑎 𝑑𝑒 𝑖𝑛𝑡𝑒𝑟𝑒𝑠∗𝑁𝑢𝑚𝑒𝑟𝑜 𝑑𝑒 𝑝𝑒𝑟𝑖𝑜𝑑𝑜𝑠 𝑒𝑛 𝑒𝑙 𝑎ñ𝑜
Tasa nominal Anual 11% * 12 1.32

Tasa efectiva Anual (1+𝑇𝑎𝑠𝑎 𝑑𝑒 𝑖𝑛𝑡𝑒𝑟𝑒𝑠)^(𝑁𝑢𝑚𝑒𝑟𝑜 𝑑𝑒 𝑝𝑒𝑟𝑖𝑜𝑑𝑜𝑠 𝑒𝑛 𝑒𝑙 𝑎ñ𝑜)−1

Tasa efectiva Anual (1+11%)^12 2.498

(1+𝐸𝐴)^(𝑑𝑖𝑎𝑠/360)
Tasa periodica Mensual
Tasa periodica Mensual 1.042623062
La alternativa de credito mas costosa es la ofrecida por el BANCO C debido a que proporciona la tasa efectiva anu
La tasa efectiva anual mas baja y la mas favorable es del BANCO B
e proporciona la tasa efectiva anual mas alta