n= 66 meses

E 22 trimestres
TEA= 7.50%
TET= 1.82%
1er Abono = S/ 2,000.00
2do Abono = S/ 2,500.00
g = 5%

1er S/ 2,923.64
gradiente S/ 52,586.06
S/ 55,509.71
 𝑇𝐸𝐴 =25%
𝑇𝐸 45 𝐷𝐼𝐴𝑆=(1+0,25)^45/360-1

𝑇𝑁𝐴 45 𝐷𝐼𝐴𝑆=30%/360=0,08%

𝑇𝐸 75 𝐷𝐼𝐴𝑆=(1+0,08)^75−1

𝑇𝐸_𝑆 =(1+0,08)^180−1

a. TEA = 25%
TE_45dias = 2.83%

b. TNA = 0.08%
TE_75dias = 6.45%
TE_S = 16.18%
 Deuda S/30,000.00
TNA 20% Con Cuota Doble S/2,566.09
Capitalizable diariamente 360
TND Cap. Diaria 0.056% Cuota Uniforme S/2,781.36
TEM TNM Cap Mensual 1.680%
N° de Cuotas 12

Con cuota doble

Método Francés

Periodo Cuota Interes Amortizacion Saldo capital

0 S/30,000.00
1 S/2,566.09 S/ 504.05 S/2,062.04 S/27,937.96
2 S/2,566.09 S/ 469.40 S/2,096.68 S/25,841.28
3 S/2,566.09 S/ 434.18 S/2,131.91 S/23,709.36
4 S/2,566.09 S/ 398.36 S/2,167.73 S/21,541.63
5 S/2,566.09 S/ 361.93 S/2,204.15 S/19,337.48
6 S/5,132.18 S/ 324.90 S/4,807.27 S/14,530.21
7 S/2,566.09 S/ 244.13 S/2,321.96 S/12,208.25
8 S/2,566.09 S/ 205.12 S/2,360.97 S/9,847.28
9 S/2,566.09 S/ 165.45 S/2,400.64 S/7,446.64
10 S/2,566.09 S/ 125.12 S/2,440.97 S/5,005.67
11 S/2,566.09 S/ 84.10 S/2,481.98 S/2,523.69
12 S/2,566.09 S/ 42.40 S/2,523.69 S/0.00

Total de Intereses S/ 3,359.14

A) El total de intereses a pagar es de S/ 3 359.14

B) Si realizamos pagos sin cuota doble pagamos S/ 3376.33, es decir pagamos S/ 17.19 más de intereses.
 Sin cuota doble

Método Francés

Periodo Cuota Interes AmortizacionSaldo capital

0 S/30,000.00
1 S/2,781.36 S/ 504.05 S/2,277.31 S/27,722.69
2 S/2,781.36 S/ 465.79 S/2,315.57 S/25,407.11
3 S/2,781.36 S/ 426.88 S/2,354.48 S/23,052.63
4 S/2,781.36 S/ 387.32 S/2,394.04 S/20,658.59
5 S/2,781.36 S/ 347.10 S/2,434.26 S/18,224.33
6 S/2,781.36 S/ 306.20 S/2,475.16 S/15,749.17
7 S/2,781.36 S/ 264.61 S/2,516.75 S/13,232.42
8 S/2,781.36 S/ 222.33 S/2,559.03 S/10,673.38
9 S/2,781.36 S/ 179.33 S/2,602.03 S/8,071.35
10 S/2,781.36 S/ 135.61 S/2,645.75 S/5,425.60
11 S/2,781.36 S/ 91.16 S/2,690.20 S/2,735.40
12 S/2,781.36 S/ 45.96 S/2,735.40 S/0.00

Total de Intereses S/ 3,376.33

de intereses.
 Deuda S/20,000.00
TNA 20% Cuota Inicial S/2,691.11
Capitalizable mensualmente 12
TNM Cap Mensual 1.667% Cuota nueva S/.1,308.14
N° de Cuotas 8

Faltante a Pagar S/5,021.58

Cuotas Faltantes 4

Método Francés

Periodo Cuota Interes Amortizacion Saldo capital

0 S/20,000.00
1 S/2,691.11 S/ 333.33 S/2,357.78 S/17,642.22
2 S/2,691.11 S/ 294.04 S/2,397.08 S/15,245.14
3 S/2,691.11 S/ 254.09 S/2,437.03 S/12,808.11
4 S/8,000.00 S/ 213.47 S/7,786.53 S/5,021.58
5 S/1,308.14 S/ 83.69 S/1,224.44 S/3,797.14
6 S/1,308.14 S/ 63.29 S/1,244.85 S/2,552.29
7 S/1,308.14 S/ 42.54 S/1,265.60 S/1,286.69
8 S/1,308.14 S/ 21.44 S/1,286.69 S/0.00

Total de Intereses S/ 1,305.89

A) El total de interés que pagará es S/ 1305.89

B) La cuota inicial es de S/ 2691.11

C) La nueva cuota es de S/ 1 308.14, si decide pagar en 8 meses

 TASA CUPON= 7%
modalidad= cuatrimestralmente
vencimiento= 10 años
YTM= 8.5%

Cupon = 0.07/2x 1000 = 35

N= 10x2= 20
I= 0.085 3
I= 0.028333333333333

P= (35(1-(1/1.028)^20/0.028)+1000(1/1.028)^20

P= 0.424377572282151 /0.028)+ 1000(0.424377572)

P= 20.5579438571429 +
P= 20.5579438571429 +
P= 719.528035 +
P= 1143.905607

la tasa de la prima es mas baja

Esta sobre la par

tasa baja a 6.5%

i= 0.065
P= (35(1-(1/1.021)^20/0.021)+1000(1/1.021)^20
P= 0.340089318150394
P= 16.194729435733

P= 16.194729435733
P= 566.815530250657

P= 906.904848250657

se disminuye el bono
 semestres

1/1.028)^20

000(0.424377572)

424.377572
424.377572
424.377572

0.02166667
021)^20/0.021)+1000(1/1.021)^20
/0.021)+1000(0.340089318)
+ 340.089318

+ 340.089318
+ 340.089318