Sistemas de Amortizacin Qu es Amortizacin Extincin gradual

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Sistemas de Amortización

Sistemas de Amortización

¿Qué es Amortización? Extinción gradual de cualquier deuda durante un periodo de tiempo.

¿Qué es Amortización? Extinción gradual de cualquier deuda durante un periodo de tiempo.

TASA DE INTERÉS EFECTIVA ANUAL (TEA) Entidad Bancaria Créditos a Microempresas Créditos de Consumo

TASA DE INTERÉS EFECTIVA ANUAL (TEA) Entidad Bancaria Créditos a Microempresas Créditos de Consumo Créditos Hipotecarios Caja Municipal del Cusco 51. 11% 45. 93% 12. 95% Mi Banco 59% 55% 11% Banco Interbank 55% 32% 11. 25% Fuente: Superintendencia de Banca y Seguro (SBS) Elaboración Propia.

TEA 45. 93% TEM S/. 2 500. 00 5 meses 3. 20% SISTEMA DE

TEA 45. 93% TEM S/. 2 500. 00 5 meses 3. 20% SISTEMA DE AMORTIZACIÓN FLAT Deuda Ck=Extinguida 2500 Rk= 80 + 500 Ik= 0. 032*2500 (Ek) 5 - Saldo Insoluto (Dk) Interés (Ik) Capital (Ck) 580, 00 80 500 2000 2 580, 00 80 500 1000 1500 3 580, 00 80 500 1000 4 580, 00 80 500 2000 5 580, 00 TOTAL 2 900, 00 Periodo (n) Cuota (Rk) 0 - 1 80 de Amortización 500 FLAT 2500 Sistema 400, 00 2 500 0

TEA 45. 93% TEM S/. 2 500. 00 5 meses 3. 20% SISTEMA DE

TEA 45. 93% TEM S/. 2 500. 00 5 meses 3. 20% SISTEMA DE AMORTIZACIÓN A REBATIR Interés (Ik) Capital (Ck) Deuda Saldo Extinguida Insoluto (Ek) (Dk) Ck= 549, 01 - 80 S/. 2 500 - Periodo (n) Cuota (Rk) 0 - 1 549, 01 80, 00 469, 01 2030, 99 2 549, 01 64, 99 484, 02 953, 02 1546, 98 3 549, 01 49, 50 499, 50 1452, 53 1047, 47 4 549, 01 33, 52 515, 49 1968, 02 531, 98 5 549, 01 17, 02 531, 98 2500, 00 TOTAL 2 745, 04 2 500, 00 Ik= 0. 032*2500 -5 Rk = 2500*0. 032/[1 - (1+0. 032) ] - -

COMPARACIÓN DE LOS SISTEMAS DE AMORTIZACIÓN Flat A Rebatir Total Pagado Interés Generado Capital

COMPARACIÓN DE LOS SISTEMAS DE AMORTIZACIÓN Flat A Rebatir Total Pagado Interés Generado Capital 2 900, 00 2 745, 04 400, 00 245, 04 2 500 Total Pagado Según Sistema de Amortización 2940 Interés Total 500 400 2890 2840 300 2790 200 2740 100 2690 2640 Flat A Rebatir

MODALIDADES DE PAGO DE PRÉSTAMOS

MODALIDADES DE PAGO DE PRÉSTAMOS

TEA 45. 93% TEM S/. 3, 000. 00 meses 3. 20% SISTEMA DE CUOTAS

TEA 45. 93% TEM S/. 3, 000. 00 meses 3. 20% SISTEMA DE CUOTAS CONSTANTES O FRANCÉS Periodo Cuota Interés Capital Saldo / Deuda 0 S/. 355. 29 S/. 3, 552. 91 - - S/. 3, 000. 00 S/. 96. 00 S/. 259. 29 S/. 2, 740. 71 S/. 87. 70 S/. 267. 59 S/. 2, 473. 12 S/. 79. 14 S/. 276. 15 S/. 2, 196. 97 S/. 70. 30 S/. 284. 99 S/. 1, 911. 98 S/. 61. 18 S/. 294. 11 S/. 1, 617. 88 S/. 51. 77 S/. 303. 52 S/. 1, 314. 36 S/. 42. 06 S/. 313. 23 S/. 1, 001. 13 S/. 32. 04 S/. 323. 25 S/. 677. 87 S/. 21. 69 S/. 333. 60 S/. 344. 27 S/. 11. 02 S/. 344. 27 S/. -0. 00 S/. 552. 91 S/. 3, 000. 00 1 2 3 4 5 6 7 8 9 10 Total

TEA 45. 93% TEM S/. 3, 000. 00 meses 3. 20% SISTEMA FLAT Periodo

TEA 45. 93% TEM S/. 3, 000. 00 meses 3. 20% SISTEMA FLAT Periodo Cuota Interés Capital 0 - - - Saldo / Deuda S/. 3, 000. 00 1 S/. 396. 00 S/. 300. 00 S/. 2, 700. 00 2 S/. 396. 00 S/. 300. 00 S/. 2, 400. 00 3 S/. 396. 00 S/. 300. 00 S/. 2, 100. 00 4 S/. 396. 00 S/. 300. 00 S/. 1, 800. 00 5 S/. 396. 00 S/. 300. 00 S/. 1, 500. 00 6 S/. 396. 00 S/. 300. 00 S/. 1, 200. 00 7 S/. 396. 00 S/. 300. 00 S/. 900. 00 8 S/. 396. 00 S/. 300. 00 S/. 600. 00 9 S/. 396. 00 S/. 300. 00 S/. 300. 00 10 S/. 396. 00 S/. 300. 00 S/. - S/. 3, 960. 00 S/. 3, 000. 00 Total

TEA 45. 93% TEM S/. 3, 000. 00 meses 3. 20% SISTEMA DE CUOTAS

TEA 45. 93% TEM S/. 3, 000. 00 meses 3. 20% SISTEMA DE CUOTAS DECRECIENTES Periodo Cuota Interés Capital Saldo / Deuda 0 - - - S/. 3, 000. 00 1 S/. 396. 00 S/. 300. 00 S/. 2, 700. 00 2 S/. 386. 40 S/. 300. 00 S/. 2, 400. 00 3 S/. 376. 80 S/. 300. 00 S/. 2, 100. 00 4 S/. 367. 20 S/. 300. 00 S/. 1, 800. 00 5 S/. 357. 60 S/. 300. 00 S/. 1, 500. 00 6 S/. 348. 00 S/. 300. 00 S/. 1, 200. 00 7 S/. 338. 40 S/. 300. 00 S/. 900. 00 8 S/. 328. 80 S/. 300. 00 S/. 600. 00 9 S/. 319. 20 S/. 300. 00 S/. 300. 00 10 S/. 309. 60 S/. 300. 00 S/. - S/. 3, 528. 00 S/. 3, 000. 00 Total

TEA 45. 93% TEM S/. 3, 000. 00 meses 3. 20% SISTEMA DE CUOTAS

TEA 45. 93% TEM S/. 3, 000. 00 meses 3. 20% SISTEMA DE CUOTAS CRECIENTES Periodo Factor 0 Cuota Interés Capital Saldo / Deuda - - - S/. 3, 000. 00 1 1/57 0. 02 S/. 150. 55 S/. 96. 00 S/. 54. 55 S/. 2, 945. 45 2 2/57 0. 04 S/. 203. 35 S/. 94. 25 S/. 109. 09 S/. 2, 836. 36 3 3/57 0. 05 S/. 254. 40 S/. 90. 76 S/. 163. 64 S/. 2, 672. 73 4 4/57 0. 07 S/. 303. 71 S/. 85. 53 S/. 218. 18 S/. 2, 454. 55 5 5/57 0. 09 S/. 351. 27 S/. 78. 55 S/. 272. 73 S/. 2, 181. 82 6 6/57 0. 11 S/. 397. 09 S/. 69. 82 S/. 327. 27 S/. 1, 854. 55 7 7/57 0. 13 S/. 441. 16 S/. 59. 35 S/. 381. 82 S/. 1, 472. 73 8 8/57 0. 15 S/. 483. 49 S/. 47. 13 S/. 436. 36 S/. 1, 036. 36 9 9/57 0. 16 S/. 524. 07 S/. 33. 16 S/. 490. 91 S/. 545. 45 10 10/57 0. 18 S/. 562. 91 S/. 17. 45 S/. 545. 45 S/. - Total S/. 3, 672. 00 S/. 3, 000. 00

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