Finanzas Corporativas

Carlos Agüero

Tablas de Amortización de deudas

Datos:
Préstamo = 78,856 Plazo = 36 meses
T. men.desgr= 0.040%
T. anual S. veh= 4.040% 0.003366666667
Modalidad = Francés Cuota Fija 2,857.83

Mes Saldo deuda Amortización Interés S. desgravamen

0 78,856.00
1 77,004.84 1,851.16 709.6 31.54
2 75,136.29 1,868.56 693.0 30.80
3 73,250.17 1,886.12 676.2 30.05
4 71,346.32 1,903.85 659.2 29.30
5 69,424.58 1,921.74 642.1 28.54
6 67,484.77 1,939.81 624.8 27.77
7 65,526.73 1,958.04 607.3 26.99
8 63,550.29 1,976.44 589.7 26.21
9 61,555.27 1,995.02 571.9 25.42
10 59,541.50 2,013.77 554.0 24.62
11 57,508.80 2,032.70 535.8 23.82
12 55,457.00 2,051.81 517.5 23.00
13 53,385.90 2,071.09 499.1 22.18
14 51,295.35 2,090.56 480.4 21.35
15 49,185.14 2,110.21 461.6 20.52
16 47,055.10 2,130.04 442.6 19.67
17 44,905.03 2,150.06 423.5 18.82
18 42,734.76 2,170.27 404.1 17.96
19 40,544.09 2,190.67 384.6 17.09
20 38,332.83 2,211.26 364.9 16.22
21 36,100.78 2,232.05 345.0 15.33
22 33,847.76 2,253.03 324.9 14.44
23 31,573.55 2,274.20 304.6 13.54
24 29,277.97 2,295.58 284.1 12.63
25 26,960.82 2,317.16 263.5 11.71
26 24,621.88 2,338.94 242.6 10.78
27 22,260.96 2,360.92 221.6 9.85
28 19,877.85 2,383.11 200.3 8.90
29 17,472.34 2,405.51 178.9 7.95
30 15,044.22 2,428.12 157.2 6.99
31 12,593.28 2,450.94 135.4 6.02
32 10,119.30 2,473.98 113.3 5.04
33 7,622.07 2,497.23 91.1 4.05
34 5,101.36 2,520.71 68.6 3.05
35 2,556.96 2,544.40 45.9 2.04
36 - 11.35 2,568.31 23.0 1.02
78,867.35 13,841.94 615.24

93,324.53
 dato cotizacion= 2857.83
11% 0.91667% TCEA = 19.77%
TEM= 0.8999% TCEM = 1.5147% Sin S. vehicular
S. vehicular Cuota Flujo (1) Otros Flujo (2) Flujo (3)
- 78,856.00 - 78,856.00 - 78,856.00
265.48 2,857.83 2,553.45 304.38 2,857.83 2,592.35
265.48 2,857.83 2,561.49 296.34 2,857.83 2,592.35
265.48 2,857.83 2,562.21 295.62 2,857.83 2,592.35
265.48 2,857.83 2,562.99 294.84 2,857.83 2,592.35
265.48 2,857.83 2,563.75 294.08 2,857.83 2,592.35
265.48 2,857.83 2,564.51 293.32 2,857.83 2,592.35
265.48 2,857.83 2,565.30 292.53 2,857.83 2,592.35
265.48 2,857.83 2,566.09 291.74 2,857.83 2,592.35
265.48 2,857.83 2,566.88 290.95 2,857.83 2,592.35
265.48 2,857.83 2,567.68 290.15 2,857.83 2,592.35
265.48 2,857.83 2,568.47 289.36 2,857.83 2,592.35
265.48 2,857.83 2,569.30 288.53 2,857.83 2,592.35
265.48 2,857.83 2,570.13 287.70 2,857.83 2,592.35
265.48 2,857.83 2,570.96 286.87 2,857.83 2,592.35
265.48 2,857.83 2,571.80 286.03 2,857.83 2,592.35
265.48 2,857.83 2,572.65 285.18 2,857.83 2,592.35
265.48 2,857.83 2,573.49 284.34 2,857.83 2,592.35
265.48 2,857.83 2,574.36 283.47 2,857.83 2,592.35
265.48 2,857.83 2,575.23 282.60 2,857.83 2,592.35
265.48 2,857.83 2,576.10 281.73 2,857.83 2,592.35
265.48 2,857.83 2,576.99 280.84 2,857.83 2,592.35
265.48 2,857.83 2,577.89 279.94 2,857.83 2,592.35
265.48 2,857.83 2,578.79 279.04 2,857.83 2,592.35
265.48 2,857.83 2,579.71 278.12 2,857.83 2,592.35
265.48 2,857.83 2,580.63 277.20 2,857.83 2,592.35
265.48 2,857.83 2,581.55 276.28 2,857.83 2,592.35
265.48 2,857.83 2,582.49 275.34 2,857.83 2,592.35
265.48 2,857.83 2,583.44 274.39 2,857.83 2,592.35
265.48 2,857.83 2,584.39 273.44 2,857.83 2,592.35
265.48 2,857.83 2,585.35 272.48 2,857.83 2,592.35
265.48 2,857.83 2,586.32 271.51 2,857.83 2,592.35
265.48 2,857.83 2,587.30 270.53 2,857.83 2,592.35
265.48 2,857.83 2,588.30 269.53 2,857.83 2,592.35
265.48 2,857.83 2,589.29 268.54 2,857.83 2,592.35
265.48 2,857.83 2,590.30 267.53 2,857.83 2,592.35
265.48 2,857.83 2,591.32 266.51 2,857.83 2,592.35
9,557.35 TEM = 0.8999% TCEM = 1.5147% 0.9405%
TEA = 11.35% TCEA = 19.77% 11.89%
102,881.880

BANCOS
GNB
BANBIF BCP
C/S. Vehicular S/S. Vehicular
TEM = 0.90% 1.19% 0.74%
TEA = 11.35% 15.25% 8.63%
TCEM = 1.51% 0.94% 1.25% 0.74%
TCEA = 19.77% 11.89% 16.02% 9.25%
 Monto a Porción de Porción de Cargo S. Desgravamen S. Vehicular
pagar capital Interés (1) (1) (2)
1 2,857.83 1,703.09 850.35 0.00 38.90 265.48
2 2,857.83 1,819.87 741.61 0.00 30.86 265.48
3 2,857.83 1,948.26 613.96 0.00 30.13 265.48
4 2,857.83 1,900.54 662.45 0.00 29.35 265.48
5 2,857.83 1,897.55 666.20 0.00 28.59 265.48
6 2,857.83 1,977.05 587.47 0.00 27.83 265.48
7 2,857.83 1,954.99 610.32 0.00 27.04 265.48
8 2,857.83 1,973.42 592.67 0.00 26.26 265.48
9 2,857.83 2,010.64 556.23 0.00 25.47 265.48
10 2,857.83 1,974.89 592.79 0.00 24.67 265.48
11 2,857.83 2,081.95 486.52 0.00 23.88 265.48
12 2,857.83 2,066.07 503.23 0.00 23.05 265.48
13 2,857.83 2,084.94 485.19 0.00 22.22 265.48
14 2,857.83 2,088.35 482.61 0.00 21.39 265.48
15 2,857.83 2,123.06 448.73 0.00 20.55 265.48
16 2,857.83 2,099.23 473.42 0.00 19.70 265.48
17 2,857.83 2,175.42 398.07 0.00 18.86 265.48
18 2,857.83 2,181.50 392.85 0.00 17.99 265.48
19 2,857.83 2,176.39 398.83 0.00 17.12 265.48
20 2,857.83 2,233.19 342.91 0.00 16.25 265.48
21 2,857.83 2,230.48 346.51 0.00 15.35 265.48
22 2,857.83 2,251.51 326.37 0.00 14.46 265.48
23 2,857.83 2,302.47 276.31 0.00 13.56 265.48
24 2,857.83 2,294.44 285.27 0.00 12.64 265.48
25 2,857.83 2,307.50 273.13 0.00 11.72 265.48
26 2,857.83 2,353.61 227.93 0.00 10.80 265.48
27 2,857.83 2,367.22 215.27 0.00 9.86 265.48
28 2,857.83 2,375.81 207.63 0.00 8.91 265.48
29 2,857.83 2,410.55 173.84 0.00 7.96 265.48
30 2,857.83 2,432.56 152.79 0.00 7.00 265.48
31 2,857.83 2,450.38 135.94 0.00 6.02 265.48
32 2,857.83 2,477.17 110.13 0.00 5.04 265.48
33 2,857.83 2,490.90 97.39 0.00 4.05 265.48
34 2,857.83 2,524.78 64.51 0.00 3.06 265.48
35 2,857.83 2,548.60 41.70 0.00 2.05 265.48
36 2,857.28 2,567.59 23.18 0.00 1.03 265.48
102,881.288 78,856.00 13,844.30 623.64 9,557.35
-0.592 -11.35 2.37 8.39 -
 Días entre Saldo
ITF
cuotas remanente

0.00 37 77,152.91
0.00 33 75,333.03
0.00 28 73,384.78
0.00 31 71,484.24
0.00 32 69,586.69
0.00 29 67,609.64
0.00 31 65,654.65
0.00 31 63,681.24
0.00 30 61,670.59 24.66824
0.00 33 59,695.71
0.00 28 57,613.75
0.00 30 55,547.68
0.00 30 53,462.74 482.17182712
0.00 31 51,374.39
0.00 30 49,251.33
0.00 33 47,152.10
0.00 29 44,976.68 0.9019%
0.00 30 42,795.18
0.00 32 40,618.78
0.00 29 38,385.60
0.00 31 36,155.11
0.00 31 33,903.60
0.00 28 31,601.13
0.00 31 29,306.69
0.00 32 26,999.19
0.00 29 24,645.57
0.00 30 22,278.35
0.00 32 19,902.54
0.00 30 17,492.00
0.00 30 15,059.43
0.00 31 12,609.05
0.00 30 10,131.89
0.00 33 7,640.98
0.00 29 5,116.20
0.00 28 2,567.59
0.00 31 0.00
1,461,841.04
1,461,841.04
Finanzas Corporativas
Carlos Agüero

Tablas de Amortización de deudas

Datos:
Préstamo = 78,856 Plazo = 36 meses
T. men. desgr= 0.056%
T. anual S. veh= 0.000% 0
Modalidad = Francés Cuota Fija 2,731.54

Mes Saldo deuda Amortización Interés S. desgravamen

0 78,856.00
1 77,092.41 1,763.59 923.8 44.16
2 75,307.17 1,785.24 903.1 43.17
3 73,500.02 1,807.15 882.2 42.17
4 71,670.69 1,829.33 861.0 41.16
5 69,818.90 1,851.79 839.6 40.14
6 67,944.38 1,874.52 817.9 39.10
7 66,046.85 1,897.53 796.0 38.05
8 64,126.03 1,920.82 773.7 36.99
9 62,181.64 1,944.40 751.2 35.91
10 60,213.37 1,968.27 728.5 34.82
11 58,220.94 1,992.43 705.4 33.72
12 56,204.06 2,016.88 682.1 32.60
13 54,162.42 2,041.64 658.4 31.47
14 52,095.72 2,066.70 634.5 30.33
15 50,003.65 2,092.07 610.3 29.17
16 47,885.90 2,117.75 585.8 28.00
17 45,742.16 2,143.74 561.0 26.82
18 43,572.10 2,170.06 535.9 25.62
19 41,375.40 2,196.70 510.4 24.40
20 39,151.74 2,223.66 484.7 23.17
21 36,900.79 2,250.96 458.7 21.92
22 34,622.20 2,278.59 432.3 20.66
23 32,315.65 2,306.56 405.6 19.39
24 29,980.78 2,334.87 378.6 18.10
25 27,617.25 2,363.53 351.2 16.79
26 25,224.71 2,392.54 323.5 15.47
27 22,802.80 2,421.91 295.5 14.13
28 20,351.16 2,451.64 267.1 12.77
29 17,869.43 2,481.73 238.4 11.40
30 15,357.24 2,512.19 209.3 10.01
31 12,814.21 2,543.03 179.9 8.60
32 10,239.96 2,574.25 150.1 7.18
33 7,634.11 2,605.85 120.0 5.73
34 4,996.28 2,637.83 89.4 4.28
35 2,326.07 2,670.21 58.5 2.80
36 - 376.92 2,702.99 27.2 1.30
79,232.92 18,231.04 871.49
 dato cotizacion= 2731.54
2,697.329 TEA = 15.0% TCEA = 16.02%
TEM= 1.1715% TCEM = 1.2456%
S. vehicular Cuota Flujo (1) Otros Flujo (2)
- 78,856.00 - 78,856.00
- 2,731.54 2,687.38 44.16 2,731.54
- 2,731.54 2,688.37 43.17 2,731.54
- 2,731.54 2,689.37 42.17 2,731.54
- 2,731.54 2,690.38 41.16 2,731.54
- 2,731.54 2,691.40 40.14 2,731.54
- 2,731.54 2,692.44 39.10 2,731.54
- 2,731.54 2,693.49 38.05 2,731.54
- 2,731.54 2,694.55 36.99 2,731.54
- 2,731.54 2,695.63 35.91 2,731.54
- 2,731.54 2,696.72 34.82 2,731.54
- 2,731.54 2,697.82 33.72 2,731.54
- 2,731.54 2,698.94 32.60 2,731.54
- 2,731.54 2,700.07 31.47 2,731.54
- 2,731.54 2,701.21 30.33 2,731.54
- 2,731.54 2,702.37 29.17 2,731.54
- 2,731.54 2,703.54 28.00 2,731.54
- 2,731.54 2,704.72 26.82 2,731.54
- 2,731.54 2,705.92 25.62 2,731.54
- 2,731.54 2,707.14 24.40 2,731.54
- 2,731.54 2,708.37 23.17 2,731.54
- 2,731.54 2,709.62 21.92 2,731.54
- 2,731.54 2,710.88 20.66 2,731.54
- 2,731.54 2,712.15 19.39 2,731.54
- 2,731.54 2,713.44 18.10 2,731.54
- 2,731.54 2,714.75 16.79 2,731.54
- 2,731.54 2,716.07 15.47 2,731.54
- 2,731.54 2,717.41 14.13 2,731.54
- 2,731.54 2,718.77 12.77 2,731.54
- 2,731.54 2,720.14 11.40 2,731.54
- 2,731.54 2,721.53 10.01 2,731.54
- 2,731.54 2,722.94 8.60 2,731.54
- 2,731.54 2,724.36 7.18 2,731.54
- 2,731.54 2,725.81 5.73 2,731.54
- 2,731.54 2,727.26 4.28 2,731.54
- 2,731.54 2,728.74 2.80 2,731.54
- 2,731.54 2,730.24 1.30 2,731.54
- TEM = 1.1899% TCEM = 1.2456%
TEA = 15.25% TCEA = 16.02%
98,335.440
Préstamo Vehicular BCP

Tablas de Amortización de deudas

Datos en soles:
Préstamo = 78,855.70 Plazo: 60 meses
Cuota normal = 1,404.37
Cuota doble = 2,808.74 1,610.41

Mes Saldo deuda Amortización Interés Seg. desgravamen

0 78,855.70
1 78,047.36 808.34 555.84 40.18
2 77,232.91 814.45 550.15 39.77
3 76,355.81 877.10 491.72 35.55
4 75,528.58 827.23 538.22 38.91
5 74,676.68 851.90 515.22 37.25
6 73,836.75 839.93 526.39 38.05
7 71,568.11 2,268.64 503.68 36.41
8 70,704.69 863.42 504.47 36.48
9 69,834.74 869.95 498.39 36.03
10 68,941.19 893.55 476.38 34.44
11 68,057.91 883.28 485.96 35.13
12 65,747.00 2,310.91 464.26 33.56
13 64,839.58 907.42 463.44 33.51
14 63,925.30 914.28 457.05 33.04
15 62,972.94 952.36 421.53 30.48
16 62,044.55 928.39 443.89 32.09
17 61,094.02 950.53 423.24 30.60
18 60,151.43 942.59 430.64 31.14
19 57,782.68 2,368.75 410.32 29.67
20 56,815.06 967.62 407.30 29.45
21 55,840.13 974.93 400.48 28.95
22 54,844.21 995.92 380.91 27.54
23 53,854.38 989.83 386.59 27.95
24 51,439.57 2,414.81 367.37 26.56
25 50,424.01 1,015.56 362.59 26.22
26 49,400.77 1,023.24 355.43 25.70
27 48,333.66 1,067.11 314.52 22.74
28 47,294.62 1,039.04 340.70 24.63
29 46,236.20 1,058.42 322.62 23.33
30 45,181.31 1,054.89 325.91 23.57
31 42,703.06 2,478.25 308.20 22.29
32 41,621.46 1,081.60 301.01 21.76
33 40,531.69 1,089.77 293.38 21.22
34 39,423.80 1,107.89 276.49 19.99
35 38,317.42 1,106.38 277.89 20.10
36 35,788.96 2,528.46 261.38 18.90
37 34,655.10 1,133.86 252.27 18.24
38 33,512.67 1,142.43 244.28 17.66
39 32,337.09 1,175.58 213.37 15.42
40 31,177.14 1,159.95 227.94 16.48
41 30,000.82 1,176.32 212.67 15.38
42 28,823.21 1,177.61 211.47 15.29
43 26,225.31 2,597.90 196.62 14.22
44 25,019.17 1,206.14 184.86 13.37
45 23,803.91 1,215.26 176.36 12.75
46 22,573.66 1,230.25 162.38 11.74
47 21,339.92 1,233.74 159.12 11.51
48 18,687.28 2,652.64 145.57 10.53
49 17,424.16 1,263.12 131.72 9.53
50 16,151.49 1,272.67 122.82 8.88
51 14,857.39 1,294.10 102.83 7.44
52 13,565.32 1,292.07 104.73 7.57
53 12,260.18 1,305.14 92.54 6.69
54 10,948.48 1,311.70 86.42 6.25
55 8,219.82 2,728.65 74.68 5.41
56 6,877.58 1,342.24 57.94 4.19
57 5,525.20 1,352.38 48.48 3.51
58 4,161.25 1,363.95 37.69 2.73
59 2,788.34 1,372.91 29.33 2.13
60 - 2,788.34 19.02 1.38
78,855.70 18,138.67 1,311.50
 TCEA = 9.25%
TEM = 0.74% C/FORMULA
TEA = 8.628% TCEA 9.25% 9.28%
TEM = 0.6920% TCEM 0.74%
Cuota Fliujo (1) otros Flujo (1)
-78,855.70 - 78,855.70
1,404.37 1,364.19 40.18 1,404.37
1,404.37 1,364.60 39.77 1,404.37
1,404.37 1,368.82 35.55 1,404.37
1,404.37 1,365.46 38.91 1,404.37
1,404.37 1,367.12 37.25 1,404.37
1,404.37 1,366.32 38.05 1,404.37
2,808.73 2,772.33 36.41 2,808.74
1,404.37 1,367.89 36.48 1,404.37
1,404.37 1,368.34 36.03 1,404.37
1,404.37 1,369.93 34.44 1,404.37
1,404.37 1,369.24 35.13 1,404.37
2,808.73 2,775.18 33.56 2,808.74
1,404.37 1,370.86 33.51 1,404.37
1,404.37 1,371.33 33.04 1,404.37
1,404.37 1,373.89 30.48 1,404.37
1,404.37 1,372.28 32.09 1,404.37
1,404.37 1,373.77 30.60 1,404.37
1,404.37 1,373.23 31.14 1,404.37
2,808.74 2,779.07 29.67 2,808.74
1,404.37 1,374.92 29.45 1,404.37
1,404.36 1,375.42 28.95 1,404.37
1,404.37 1,376.83 27.54 1,404.37
1,404.37 1,376.42 27.95 1,404.37
2,808.74 2,782.18 26.56 2,808.74
1,404.37 1,378.15 26.22 1,404.37
1,404.37 1,378.67 25.70 1,404.37
1,404.37 1,381.63 22.74 1,404.37
1,404.37 1,379.74 24.63 1,404.37
1,404.37 1,381.04 23.33 1,404.37
1,404.37 1,380.80 23.57 1,404.37
2,808.74 2,786.45 22.29 2,808.74
1,404.37 1,382.61 21.76 1,404.37
1,404.37 1,383.15 21.22 1,404.37
1,404.37 1,384.38 19.99 1,404.37
1,404.37 1,384.27 20.10 1,404.37
2,808.74 2,789.84 18.90 2,808.74
1,404.37 1,386.13 18.24 1,404.37
1,404.37 1,386.71 17.66 1,404.37
1,404.37 1,388.95 15.42 1,404.37
1,404.37 1,387.89 16.48 1,404.37
1,404.37 1,388.99 15.38 1,404.37
1,404.37 1,389.08 15.29 1,404.37
2,808.74 2,794.52 14.22 2,808.74
1,404.37 1,391.00 13.37 1,404.37
1,404.37 1,391.62 12.75 1,404.37
1,404.37 1,392.63 11.74 1,404.37
1,404.37 1,392.86 11.51 1,404.37
2,808.74 2,798.21 10.53 2,808.74
1,404.37 1,394.84 9.53 1,404.37
1,404.37 1,395.49 8.88 1,404.37
1,404.37 1,396.93 7.44 1,404.37
1,404.37 1,396.80 7.57 1,404.37
1,404.37 1,397.68 6.69 1,404.37
1,404.37 1,398.12 6.25 1,404.37
2,808.74 2,803.33 5.41 2,808.74
1,404.37 1,400.18 4.19 1,404.37
1,404.37 1,400.86 3.51 1,404.37
1,404.37 1,401.64 2.73 1,404.37
1,404.37 1,402.24 2.13 1,404.37
2,808.74 2,807.36 1.38 2,808.74
TEM = 0.6920% TCEM 0.74%
TEA = 8.628% TCEA 9.25%