P= S/ 45,000.

00
TEA = 44.50% TEM = 0.03115113
Plazo = 3 años = 36 meses n= 36 cuotas mensuales

R = PAGO = S/ 2,096.73
 Método Francés
MESES CAPITAL AMORTIZACIÓN INTERÉS CUOTA
0 S/ 45,000.00 S/ - S/ - S/ -
1 S/ 44,305.07 S/ 694.93 S/ 1,401.80 S/ 2,096.73
2 S/ 43,588.50 S/ 716.57 S/ 1,380.15 S/ 2,096.73
3 S/ 42,849.61 S/ 738.90 S/ 1,357.83 S/ 2,096.73
4 S/ 42,087.69 S/ 761.91 S/ 1,334.81 S/ 2,096.73
5 S/ 41,302.05 S/ 785.65 S/ 1,311.08 S/ 2,096.73
6 S/ 40,491.93 S/ 810.12 S/ 1,286.61 S/ 2,096.73
7 S/ 39,656.57 S/ 835.36 S/ 1,261.37 S/ 2,096.73
8 S/ 38,795.19 S/ 861.38 S/ 1,235.35 S/ 2,096.73
9 S/ 37,906.98 S/ 888.21 S/ 1,208.51 S/ 2,096.73
10 S/ 36,991.10 S/ 915.88 S/ 1,180.85 S/ 2,096.73
11 S/ 36,046.69 S/ 944.41 S/ 1,152.31 S/ 2,096.73
12 S/ 35,072.85 S/ 973.83 S/ 1,122.89 S/ 2,096.73
13 S/ 34,068.69 S/ 1,004.17 S/ 1,092.56 S/ 2,096.73
14 S/ 33,033.24 S/ 1,035.45 S/ 1,061.28 S/ 2,096.73
15 S/ 31,965.54 S/ 1,067.70 S/ 1,029.02 S/ 2,096.73
16 S/ 30,864.57 S/ 1,100.96 S/ 995.76 S/ 2,096.73
17 S/ 29,729.31 S/ 1,135.26 S/ 961.47 S/ 2,096.73
18 S/ 28,558.69 S/ 1,170.62 S/ 926.10 S/ 2,096.73
19 S/ 27,351.60 S/ 1,207.09 S/ 889.64 S/ 2,096.73
20 S/ 26,106.90 S/ 1,244.69 S/ 852.03 S/ 2,096.73
21 S/ 24,823.44 S/ 1,283.47 S/ 813.26 S/ 2,096.73
22 S/ 23,499.99 S/ 1,323.45 S/ 773.28 S/ 2,096.73
23 S/ 22,135.31 S/ 1,364.67 S/ 732.05 S/ 2,096.73
24 S/ 20,728.13 S/ 1,407.19 S/ 689.54 S/ 2,096.73
25 S/ 19,277.11 S/ 1,451.02 S/ 645.70 S/ 2,096.73
26 S/ 17,780.88 S/ 1,496.22 S/ 600.50 S/ 2,096.73
27 S/ 16,238.05 S/ 1,542.83 S/ 553.89 S/ 2,096.73
28 S/ 14,647.16 S/ 1,590.89 S/ 505.83 S/ 2,096.73
29 S/ 13,006.71 S/ 1,640.45 S/ 456.28 S/ 2,096.73
30 S/ 11,315.16 S/ 1,691.55 S/ 405.17 S/ 2,096.73
31 S/ 9,570.91 S/ 1,744.25 S/ 352.48 S/ 2,096.73
32 S/ 7,772.33 S/ 1,798.58 S/ 298.14 S/ 2,096.73
33 S/ 5,917.72 S/ 1,854.61 S/ 242.12 S/ 2,096.73
34 S/ 4,005.34 S/ 1,912.38 S/ 184.34 S/ 2,096.73
35 S/ 2,033.38 S/ 1,971.96 S/ 124.77 S/ 2,096.73
36 S/ 0.00 S/ 2,033.38 S/ 63.34 S/ 2,096.73
TOTAL S/ 45,000.00 S/ 30,482.14 S/ 75,482.14
 Método Alemán Méto
MES CAPITAL AMORTIZACIÓN INTERÉS CUOTA MES
0 S/ 45,000.00 S/ - S/ - S/ - 0
1 S/ 43,750.00 S/ 1,250.00 S/ 1,401.80 S/ 2,651.80 1
2 S/ 42,500.00 S/ 1,250.00 S/ 1,362.86 S/ 2,612.86 2
3 S/ 41,250.00 S/ 1,250.00 S/ 1,323.92 S/ 2,573.92 3
4 S/ 40,000.00 S/ 1,250.00 S/ 1,284.98 S/ 2,534.98 4
5 S/ 38,750.00 S/ 1,250.00 S/ 1,246.05 S/ 2,496.05 5
6 S/ 37,500.00 S/ 1,250.00 S/ 1,207.11 S/ 2,457.11 6
7 S/ 36,250.00 S/ 1,250.00 S/ 1,168.17 S/ 2,418.17 7
8 S/ 35,000.00 S/ 1,250.00 S/ 1,129.23 S/ 2,379.23 8
9 S/ 33,750.00 S/ 1,250.00 S/ 1,090.29 S/ 2,340.29 9
10 S/ 32,500.00 S/ 1,250.00 S/ 1,051.35 S/ 2,301.35 10
11 S/ 31,250.00 S/ 1,250.00 S/ 1,012.41 S/ 2,262.41 11
12 S/ 30,000.00 S/ 1,250.00 S/ 973.47 S/ 2,223.47 12
13 S/ 28,750.00 S/ 1,250.00 S/ 934.53 S/ 2,184.53 13
14 S/ 27,500.00 S/ 1,250.00 S/ 895.59 S/ 2,145.59 14
15 S/ 26,250.00 S/ 1,250.00 S/ 856.66 S/ 2,106.66 15
16 S/ 25,000.00 S/ 1,250.00 S/ 817.72 S/ 2,067.72 16
17 S/ 23,750.00 S/ 1,250.00 S/ 778.78 S/ 2,028.78 17
18 S/ 22,500.00 S/ 1,250.00 S/ 739.84 S/ 1,989.84 18
19 S/ 21,250.00 S/ 1,250.00 S/ 700.90 S/ 1,950.90 19
20 S/ 20,000.00 S/ 1,250.00 S/ 661.96 S/ 1,911.96 20
21 S/ 18,750.00 S/ 1,250.00 S/ 623.02 S/ 1,873.02 21
22 S/ 17,500.00 S/ 1,250.00 S/ 584.08 S/ 1,834.08 22
23 S/ 16,250.00 S/ 1,250.00 S/ 545.14 S/ 1,795.14 23
24 S/ 15,000.00 S/ 1,250.00 S/ 506.21 S/ 1,756.21 24
25 S/ 13,750.00 S/ 1,250.00 S/ 467.27 S/ 1,717.27 25
26 S/ 12,500.00 S/ 1,250.00 S/ 428.33 S/ 1,678.33 26
27 S/ 11,250.00 S/ 1,250.00 S/ 389.39 S/ 1,639.39 27
28 S/ 10,000.00 S/ 1,250.00 S/ 350.45 S/ 1,600.45 28
29 S/ 8,750.00 S/ 1,250.00 S/ 311.51 S/ 1,561.51 29
30 S/ 7,500.00 S/ 1,250.00 S/ 272.57 S/ 1,522.57 30
31 S/ 6,250.00 S/ 1,250.00 S/ 233.63 S/ 1,483.63 31
32 S/ 5,000.00 S/ 1,250.00 S/ 194.69 S/ 1,444.69 32
33 S/ 3,750.00 S/ 1,250.00 S/ 155.76 S/ 1,405.76 33
34 S/ 2,500.00 S/ 1,250.00 S/ 116.82 S/ 1,366.82 34
35 S/ 1,250.00 S/ 1,250.00 S/ 77.88 S/ 1,327.88 35
36 S/ - S/ 1,250.00 S/ 38.94 S/ 1,288.94 36
 Método Americano
CAPITAL AMORTIZACIÓN INTERÉS CUOTA
S/ 45,000.00 S/ - S/ - S/ -
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ 45,000.00 S/ - S/ 1,401.80 S/ 1,401.80
S/ - S/ 45,000.00 S/ 1,401.80 S/ 46,401.80
a. P= S/ 95,000.00
Plazo = 3.5 años = 42 meses n= 42
TEA = 45% TEM = 0.0314479891

R = PAGO = S/ 4,106.06

MES CAPITAL AMORTIZACIÓN INTERÉS CUOTA

0 S/ 95,000.00 S/ - S/ - S/ -
1 S/ 93,881.50 S/ 1,118.50 S/ 2,987.56 S/ 4,106.06
2 S/ 92,727.82 S/ 1,153.68 S/ 2,952.38 S/ 4,106.06
3 S/ 91,537.86 S/ 1,189.96 S/ 2,916.10 S/ 4,106.06
4 S/ 90,310.48 S/ 1,227.38 S/ 2,878.68 S/ 4,106.06
5 S/ 89,044.50 S/ 1,265.98 S/ 2,840.08 S/ 4,106.06
6 S/ 87,738.70 S/ 1,305.79 S/ 2,800.27 S/ 4,106.06
7 S/ 86,391.84 S/ 1,346.86 S/ 2,759.21 S/ 4,106.06
8 S/ 85,002.63 S/ 1,389.21 S/ 2,716.85 S/ 4,106.06
9 S/ 83,569.73 S/ 1,432.90 S/ 2,673.16 S/ 4,106.06
10 S/ 82,091.77 S/ 1,477.96 S/ 2,628.10 S/ 4,106.06
11 S/ 80,567.32 S/ 1,524.44 S/ 2,581.62 S/ 4,106.06
12 S/ 78,994.94 S/ 1,572.38 S/ 2,533.68 S/ 4,106.06
13 S/ 77,373.11 S/ 1,621.83 S/ 2,484.23 S/ 4,106.06
14 S/ 75,700.28 S/ 1,672.83 S/ 2,433.23 S/ 4,106.06
15 S/ 73,974.83 S/ 1,725.44 S/ 2,380.62 S/ 4,106.06
16 S/ 72,195.13 S/ 1,779.70 S/ 2,326.36 S/ 4,106.06
17 S/ 70,359.46 S/ 1,835.67 S/ 2,270.39 S/ 4,106.06
18 S/ 68,466.06 S/ 1,893.40 S/ 2,212.66 S/ 4,106.06
19 S/ 66,513.12 S/ 1,952.94 S/ 2,153.12 S/ 4,106.06
20 S/ 64,498.76 S/ 2,014.36 S/ 2,091.70 S/ 4,106.06
21 S/ 62,421.05 S/ 2,077.71 S/ 2,028.36 S/ 4,106.06
22 S/ 60,278.00 S/ 2,143.05 S/ 1,963.02 S/ 4,106.06
23 S/ 58,067.56 S/ 2,210.44 S/ 1,895.62 S/ 4,106.06
24 S/ 55,787.61 S/ 2,279.96 S/ 1,826.11 S/ 4,106.06
25 S/ 53,435.95 S/ 2,351.66 S/ 1,754.41 S/ 4,106.06
26 S/ 51,010.34 S/ 2,425.61 S/ 1,680.45 S/ 4,106.06
27 S/ 48,508.45 S/ 2,501.89 S/ 1,604.17 S/ 4,106.06
28 S/ 45,927.88 S/ 2,580.57 S/ 1,525.49 S/ 4,106.06
29 S/ 43,266.16 S/ 2,661.72 S/ 1,444.34 S/ 4,106.06
30 S/ 40,520.73 S/ 2,745.43 S/ 1,360.63 S/ 4,106.06
31 S/ 37,688.96 S/ 2,831.77 S/ 1,274.30 S/ 4,106.06
32 S/ 34,768.14 S/ 2,920.82 S/ 1,185.24 S/ 4,106.06
33 S/ 31,755.47 S/ 3,012.68 S/ 1,093.39 S/ 4,106.06
34 S/ 28,648.05 S/ 3,107.42 S/ 998.65 S/ 4,106.06
35 S/ 25,442.91 S/ 3,205.14 S/ 900.92 S/ 4,106.06
36 S/ 22,136.97 S/ 3,305.93 S/ 800.13 S/ 4,106.06
37 S/ 18,727.07 S/ 3,409.90 S/ 696.16 S/ 4,106.06
38 S/ 15,209.94 S/ 3,517.13 S/ 588.93 S/ 4,106.06
39 S/ 11,582.20 S/ 3,627.74 S/ 478.32 S/ 4,106.06
40 S/ 7,840.37 S/ 3,741.83 S/ 364.24 S/ 4,106.06
41 S/ 3,980.87 S/ 3,859.50 S/ 246.56 S/ 4,106.06
42 -S/ 0.00 S/ 3,980.87 S/ 125.19 S/ 4,106.06
TOTAL S/ 95,000.00 S/ 77,454.65 S/ 172,454.65
 b. P= S/ 95,000.00
cuotas mensuales Plazo = 3.5 años = 42
k= 3 meses de gracia total
n= 39 cuotas mensuales.
TEA = 45% TEM =

MES CAPITAL AMORTIZACIÓN

0 S/ 95,000.00 S/ -
1 S/ 97,987.56 -S/ 2,987.56
2 S/ 101,069.07 -S/ 3,081.51
3 S/ 104,247.49 -S/ 3,178.42
4 S/ 102,849.69 S/ 1,397.80
5 S/ 101,407.94 S/ 1,441.76
6 S/ 99,920.84 S/ 1,487.10
7 S/ 98,386.98 S/ 1,533.86
8 S/ 96,804.88 S/ 1,582.10
9 S/ 95,173.02 S/ 1,631.85
10 S/ 93,489.85 S/ 1,683.17
11 S/ 91,753.75 S/ 1,736.10
12 S/ 89,963.05 S/ 1,790.70
13 S/ 88,116.03 S/ 1,847.02
14 S/ 86,210.93 S/ 1,905.10
15 S/ 84,245.92 S/ 1,965.01
16 S/ 82,219.11 S/ 2,026.81
17 S/ 80,128.56 S/ 2,090.55
18 S/ 77,972.27 S/ 2,156.29
19 S/ 75,748.17 S/ 2,224.10
20 S/ 73,454.13 S/ 2,294.04
21 S/ 71,087.94 S/ 2,366.19
22 S/ 68,647.34 S/ 2,440.60
23 S/ 66,129.99 S/ 2,517.35
24 S/ 63,533.47 S/ 2,596.52
25 S/ 60,855.30 S/ 2,678.17
26 S/ 58,092.91 S/ 2,762.40
27 S/ 55,243.64 S/ 2,849.27
28 S/ 52,304.77 S/ 2,938.87
29 S/ 49,273.48 S/ 3,031.29
30 S/ 46,146.86 S/ 3,126.62
31 S/ 42,921.91 S/ 3,224.95
32 S/ 39,595.55 S/ 3,326.36
33 S/ 36,164.57 S/ 3,430.97
34 S/ 32,625.70 S/ 3,538.87
35 S/ 28,975.55 S/ 3,650.16
36 S/ 25,210.60 S/ 3,764.95
37 S/ 21,327.25 S/ 3,883.35
38 S/ 17,321.77 S/ 4,005.47
39 S/ 13,190.34 S/ 4,131.44
40 S/ 8,928.97 S/ 4,261.36
41 S/ 4,533.60 S/ 4,395.37
42 S/ 0.00 S/ 4,533.60
TOTAL S/ 95,000.00
 c. P=
meses Plazo =
k=
m=
0.0314479891 n=
TEM =

INTERÉS CUOTA MESES

S/ - S/ - 0
S/ 2,987.56 S/ - 1
S/ 3,081.51 S/ - 2
S/ 3,178.42 S/ - 3
S/ 3,278.37 S/ 4,676.17 4
S/ 3,234.42 S/ 4,676.17 5
S/ 3,189.08 S/ 4,676.17 6
S/ 3,142.31 S/ 4,676.17 7
S/ 3,094.07 S/ 4,676.17 8
S/ 3,044.32 S/ 4,676.17 9
S/ 2,993.00 S/ 4,676.17 10
S/ 2,940.07 S/ 4,676.17 11
S/ 2,885.47 S/ 4,676.17 12
S/ 2,829.16 S/ 4,676.17 13
S/ 2,771.07 S/ 4,676.17 14
S/ 2,711.16 S/ 4,676.17 15
S/ 2,649.36 S/ 4,676.17 16
S/ 2,585.63 S/ 4,676.17 17
S/ 2,519.88 S/ 4,676.17 18
S/ 2,452.07 S/ 4,676.17 19
S/ 2,382.13 S/ 4,676.17 20
S/ 2,309.98 S/ 4,676.17 21
S/ 2,235.57 S/ 4,676.17 22
S/ 2,158.82 S/ 4,676.17 23
S/ 2,079.66 S/ 4,676.17 24
S/ 1,998.00 S/ 4,676.17 25
S/ 1,913.78 S/ 4,676.17 26
S/ 1,826.91 S/ 4,676.17 27
S/ 1,737.30 S/ 4,676.17 28
S/ 1,644.88 S/ 4,676.17 29
S/ 1,549.55 S/ 4,676.17 30
S/ 1,451.23 S/ 4,676.17 31
S/ 1,349.81 S/ 4,676.17 32
S/ 1,245.20 S/ 4,676.17 33
S/ 1,137.30 S/ 4,676.17 34
S/ 1,026.01 S/ 4,676.17 35
S/ 911.22 S/ 4,676.17 36
S/ 792.82 S/ 4,676.17 37
S/ 670.70 S/ 4,676.17 38
S/ 544.73 S/ 4,676.17 39
S/ 414.81 S/ 4,676.17 40
S/ 280.80 S/ 4,676.17 41
S/ 142.57 S/ 4,676.17 42
S/ 87,370.71 S/ 182,370.71
 S/ 95,000.00
3.5 años 42 meses
3 meses de gracia total
3 meses de gracia parcial
36 cuotas mensuales
0.03144798913

CAPITAL AMORTIZACIÓN INTERÉS CUOTA

S/ 95,000.00 S/ - S/ - S/ -
S/ 97,987.56 -S/ 2,987.56 S/ 2,987.56 S/ -
S/ 101,069.07 -S/ 3,081.51 S/ 3,081.51 S/ -
S/ 104,247.49 -S/ 3,178.42 S/ 3,178.42 S/ -
S/ 104,247.49 S/ - S/ 3,278.37 S/ 3,278.37
S/ 104,247.49 S/ - S/ 3,278.37 S/ 3,278.37
S/ 104,247.49 S/ - S/ 3,278.37 S/ 3,278.37
S/ 102,647.21 S/ 1,600.28 S/ 3,278.37 S/ 4,878.65
S/ 100,996.60 S/ 1,650.61 S/ 3,228.05 S/ 4,878.65
S/ 99,294.09 S/ 1,702.51 S/ 3,176.14 S/ 4,878.65
S/ 97,538.04 S/ 1,756.05 S/ 3,122.60 S/ 4,878.65
S/ 95,726.76 S/ 1,811.28 S/ 3,067.38 S/ 4,878.65
S/ 93,858.52 S/ 1,868.24 S/ 3,010.41 S/ 4,878.65
S/ 91,931.52 S/ 1,926.99 S/ 2,951.66 S/ 4,878.65
S/ 89,943.93 S/ 1,987.59 S/ 2,891.06 S/ 4,878.65
S/ 87,893.83 S/ 2,050.10 S/ 2,828.56 S/ 4,878.65
S/ 85,779.26 S/ 2,114.57 S/ 2,764.08 S/ 4,878.65
S/ 83,598.19 S/ 2,181.07 S/ 2,697.59 S/ 4,878.65
S/ 81,348.54 S/ 2,249.66 S/ 2,629.00 S/ 4,878.65
S/ 79,028.13 S/ 2,320.41 S/ 2,558.25 S/ 4,878.65
S/ 76,634.75 S/ 2,393.38 S/ 2,485.28 S/ 4,878.65
S/ 74,166.11 S/ 2,468.65 S/ 2,410.01 S/ 4,878.65
S/ 71,619.83 S/ 2,546.28 S/ 2,332.37 S/ 4,878.65
S/ 68,993.47 S/ 2,626.35 S/ 2,252.30 S/ 4,878.65
S/ 66,284.52 S/ 2,708.95 S/ 2,169.71 S/ 4,878.65
S/ 63,490.38 S/ 2,794.14 S/ 2,084.51 S/ 4,878.65
S/ 60,608.38 S/ 2,882.01 S/ 1,996.64 S/ 4,878.65
S/ 57,635.73 S/ 2,972.64 S/ 1,906.01 S/ 4,878.65
S/ 54,569.61 S/ 3,066.13 S/ 1,812.53 S/ 4,878.65
S/ 51,407.06 S/ 3,162.55 S/ 1,716.10 S/ 4,878.65
S/ 48,145.05 S/ 3,262.01 S/ 1,616.65 S/ 4,878.65
S/ 44,780.46 S/ 3,364.59 S/ 1,514.07 S/ 4,878.65
S/ 41,310.06 S/ 3,470.40 S/ 1,408.26 S/ 4,878.65
S/ 37,730.53 S/ 3,579.54 S/ 1,299.12 S/ 4,878.65
S/ 34,038.42 S/ 3,692.10 S/ 1,186.55 S/ 4,878.65
S/ 30,230.21 S/ 3,808.21 S/ 1,070.44 S/ 4,878.65
S/ 26,302.23 S/ 3,927.97 S/ 950.68 S/ 4,878.65
S/ 22,250.73 S/ 4,051.50 S/ 827.15 S/ 4,878.65
S/ 18,071.82 S/ 4,178.91 S/ 699.74 S/ 4,878.65
S/ 13,761.49 S/ 4,310.33 S/ 568.32 S/ 4,878.65
S/ 9,315.61 S/ 4,445.88 S/ 432.77 S/ 4,878.65
S/ 4,729.91 S/ 4,585.70 S/ 292.96 S/ 4,878.65
S/ 0.00 S/ 4,729.91 S/ 148.75 S/ 4,878.65
S/ 95,000.00 S/ 90,466.67 S/ 185,466.67