Precio 250,000.

00
Cuota inicial 37,500.00
Saldo 212,500.00
Desgravamen 127.50 0.051%
Seguro vida 12,750.00 6% TCEM
El monto Préstamo 225,377.50 TCEA
Gasto mensual 10.00 El costo anual del crédito es de 24.50%, m

TEA 21%
TEM 1.60%
num. Cuotas 60
Cuota base
mensual 5,873.02

Cronograma de pagos

Nper Cuota Mensual Cuota base Interés Cargo mensual Amortización

0
1 5,883.02 3,608.71 10.00 2,264.30
2 5,883.02 3,572.46 10.00 2,300.56
3 5,883.02 3,535.62 10.00 2,337.39
4 5,883.02 3,498.20 10.00 2,374.82
5 5,883.02 3,460.17 10.00 2,412.85
6 5,883.02 3,421.54 10.00 2,451.48
7 5,883.02 3,382.28 10.00 2,490.73
8 5,883.02 3,342.40 10.00 2,530.61
9 5,883.02 3,301.88 10.00 2,571.13
10 5,883.02 3,260.71 10.00 2,612.30
11 5,883.02 3,218.89 10.00 2,654.13
12 5,883.02 3,176.39 10.00 2,696.63
13 5,883.02 3,133.21 10.00 2,739.81
14 5,883.02 3,089.34 10.00 2,783.68
15 5,883.02 3,044.77 10.00 2,828.25
16 5,883.02 2,999.48 10.00 2,873.53
17 5,883.02 2,953.47 10.00 2,919.54
18 5,883.02 2,906.73 10.00 2,966.29
19 5,883.02 2,859.23 10.00 3,013.79
20 5,883.02 2,810.97 10.00 3,062.04
21 5,883.02 2,761.95 10.00 3,111.07
22 5,883.02 2,712.13 10.00 3,160.89
23 5,883.02 2,661.52 10.00 3,211.50
24 5,883.02 2,610.10 10.00 3,262.92
25 5,883.02 2,557.85 10.00 3,315.17
26 5,883.02 2,504.77 10.00 3,368.25
27 5,883.02 2,450.84 10.00 3,422.18
28 5,883.02 2,396.04 10.00 3,476.97
29 5,883.02 2,340.37 10.00 3,532.65
 30 5,883.02 2,283.81 10.00 3,589.21
31 5,883.02 2,226.34 10.00 3,646.68
32 5,883.02 2,167.95 10.00 3,705.07
33 5,883.02 2,108.62 10.00 3,764.40
34 5,883.02 2,048.35 10.00 3,824.67
35 5,883.02 1,987.11 10.00 3,885.91
36 5,883.02 1,924.88 10.00 3,948.13
37 5,883.02 1,861.67 10.00 4,011.35
38 5,883.02 1,797.44 10.00 4,075.58
39 5,883.02 1,732.18 10.00 4,140.84
40 5,883.02 1,665.88 10.00 4,207.14
41 5,883.02 1,598.51 10.00 4,274.50
42 5,883.02 1,530.07 10.00 4,342.95
43 5,883.02 1,460.53 10.00 4,412.48
44 5,883.02 1,389.88 10.00 4,483.14
45 5,883.02 1,318.10 10.00 4,554.92
46 5,883.02 1,245.16 10.00 4,627.85
47 5,883.02 1,171.06 10.00 4,701.95
48 5,883.02 1,095.78 10.00 4,777.24
49 5,883.02 1,019.28 10.00 4,853.73
50 5,883.02 941.57 10.00 4,931.45
51 5,883.02 862.60 10.00 5,010.41
52 5,883.02 782.38 10.00 5,090.64
53 5,883.02 700.87 10.00 5,172.15
54 5,883.02 618.05 10.00 5,254.96
55 5,883.02 533.91 10.00 5,339.11
56 5,883.02 448.42 10.00 5,424.60
57 5,883.02 361.56 10.00 5,511.45
58 5,883.02 273.32 10.00 5,599.70
59 5,883.02 183.65 10.00 5,689.36
60 5,883.02 92.56 10.00 5,780.46
TOTAL S/.127,003.52 S/.600.00 S/.225,377.50
 1.84%
24.50% TCEA=TEA + GASTOS+ COMICIONES
o anual del crédito es de 24.50%, mucho mayor a la tasa de interés anual.

Monto Final ( flujo neto)

Saldo de deuda 0 - 212,500.00
225,377.50 1 5,883.02
223,113.20 2 5,883.02
220,812.64 3 5,883.02
218,475.25 4 5,883.02
216,100.43 5 5,883.02
213,687.58 6 5,883.02
211,236.10 7 5,883.02
208,745.37 8 5,883.02
206,214.75 9 5,883.02
203,643.62 10 5,883.02
201,031.32 11 5,883.02
198,377.19 12 5,883.02
195,680.56 13 5,883.02
192,940.75 14 5,883.02
190,157.08 15 5,883.02
187,328.83 16 5,883.02
184,455.30 17 5,883.02
181,535.76 18 5,883.02
178,569.47 19 5,883.02
175,555.68 20 5,883.02
172,493.64 21 5,883.02
169,382.56 22 5,883.02
166,221.68 23 5,883.02
163,010.18 24 5,883.02
159,747.26 25 5,883.02
156,432.10 26 5,883.02
153,063.85 27 5,883.02
149,641.67 28 5,883.02
146,164.70 29 5,883.02
142,632.05 30 5,883.02
139,042.84 31 5,883.02
135,396.16 32 5,883.02
131,691.08 33 5,883.02
127,926.69 34 5,883.02
124,102.02 35 5,883.02
120,216.10 36 5,883.02
116,267.97 37 5,883.02
112,256.62 38 5,883.02
108,181.04 39 5,883.02
104,040.21 40 5,883.02
99,833.07 41 5,883.02
95,558.56 42 5,883.02
91,215.62 43 5,883.02
86,803.13 44 5,883.02
82,320.00 45 5,883.02
77,765.08 46 5,883.02
73,137.22 47 5,883.02
68,435.27 48 5,883.02
63,658.03 49 5,883.02
58,804.30 50 5,883.02
53,872.85 51 5,883.02
48,862.43 52 5,883.02
43,771.80 53 5,883.02
38,599.65 54 5,883.02
33,344.68 55 5,883.02
28,005.58 56 5,883.02
22,580.98 57 5,883.02
17,069.53 58 5,883.02
11,469.82 59 5,883.02
5,780.46 60 5,883.02
0.00