ARRENDAMIENTO FINANCIERO O LEASING

Monto:

S/. 52,000.00
S/. 44,067.80
S/. 7,932.20
S/. 52,000.00

inc IGV
Valor de venta
IGV
Precio de venta

Plazo:
TEA:
Forma de pago:

3
aos
11.00%
Cuota inicial
20.00%
36 cuotas fijas mensuales
Opcin de compra:
1.00%
Clculo de la cuota mensual
Cuota inicial
S/. 8,813.56
Saldo por pagar
S/. 35,254.24
Opcin de compra
S/. 440.68
Tasa mensual:
0.8735%
Cuota mensual

S/. -1,135.07

Facturacin de cuotas por parte del banco

Cuota inicial
S/. 8,813.56
IGV
S/. 1,586.44
Total
S/. 10,400.00
Cuota mensual
IGV
Total
Opcin de compra
IGV
Total

S/. 1,135.07
S/. 204.31
S/. 1,339.38
S/. 440.68
S/. 79.32
S/. 520.00

TABLA DE AMORTIZACIN
Periodo
Inicial
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

S. inicial
S/. 44,067.80
S/. 35,254.24
S/. 34,427.10
S/. 33,592.73
S/. 32,751.08
S/. 31,902.08
S/. 31,045.66
S/. 30,181.76
S/. 29,310.31
S/. 28,431.25
S/. 27,544.52
S/. 26,650.03
S/. 25,747.74
S/. 24,837.57
S/. 23,919.44
S/. 22,993.30
S/. 22,059.06
S/. 21,116.67
S/. 20,166.04
S/. 19,207.11
S/. 18,239.81
S/. 17,264.05
S/. 16,279.77
S/. 15,286.90
S/. 14,285.35
S/. 13,275.06
S/. 12,255.94
S/. 11,227.92
S/. 10,190.92
S/. 9,144.86
S/. 8,089.67
S/. 7,025.26
S/. 5,951.55
S/. 4,868.46
S/. 3,775.91
S/. 2,673.82
S/. 1,562.11

Intereses
S/. 0.00
S/. 307.93
S/. 300.71
S/. 293.42
S/. 286.07
S/. 278.65
S/. 271.17
S/. 263.63
S/. 256.01
S/. 248.34
S/. 240.59
S/. 232.78
S/. 224.90
S/. 216.95
S/. 208.93
S/. 200.84
S/. 192.68
S/. 184.45
S/. 176.14
S/. 167.77
S/. 159.32
S/. 150.79
S/. 142.20
S/. 133.52
S/. 124.78
S/. 115.95
S/. 107.05
S/. 98.07
S/. 89.01
S/. 79.88
S/. 70.66
S/. 61.36
S/. 51.98
S/. 42.52
S/. 32.98
S/. 23.35
S/. 13.64

Amortiz.
S/. 8,813.56
S/. 827.14
S/. 834.36
S/. 841.65
S/. 849.00
S/. 856.42
S/. 863.90
S/. 871.45
S/. 879.06
S/. 886.74
S/. 894.48
S/. 902.29
S/. 910.18
S/. 918.13
S/. 926.14
S/. 934.23
S/. 942.39
S/. 950.63
S/. 958.93
S/. 967.31
S/. 975.75
S/. 984.28
S/. 992.87
S/. 1,001.55
S/. 1,010.29
S/. 1,019.12
S/. 1,028.02
S/. 1,037.00
S/. 1,046.06
S/. 1,055.19
S/. 1,064.41
S/. 1,073.71
S/. 1,083.09
S/. 1,092.55
S/. 1,102.09
S/. 1,111.72
S/. 1,562.11

Cuota
S/. 8,813.56
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,135.07
S/. 1,575.75

S. final
S/. 35,254.24
S/. 34,427.10
S/. 33,592.73
S/. 32,751.08
S/. 31,902.08
S/. 31,045.66
S/. 30,181.76
S/. 29,310.31
S/. 28,431.25
S/. 27,544.52
S/. 26,650.03
S/. 25,747.74
S/. 24,837.57
S/. 23,919.44
S/. 22,993.30
S/. 22,059.06
S/. 21,116.67
S/. 20,166.04
S/. 19,207.11
S/. 18,239.81
S/. 17,264.05
S/. 16,279.77
S/. 15,286.90
S/. 14,285.35
S/. 13,275.06
S/. 12,255.94
S/. 11,227.92
S/. 10,190.92
S/. 9,144.86
S/. 8,089.67
S/. 7,025.26
S/. 5,951.55
S/. 4,868.46
S/. 3,775.91
S/. 2,673.82
S/. 1,562.11
S/. 0.00

PAGO DE DEUDAS CON CUOTAS FIJAS Y DOBLES

Monto:
S/. 60,000.00
Plazo:
5
aos
TEA:
14.00%
Forma de pago: Cuotas fijas mensuales
Doble cuota Julio y Diciembre
Desembolso:
22-Apr-13
Clculo de la cuota mensual
Tasa mensual
1.0979%
VP de coefic.
Cuota mensual

51.1397
S/. 1,173.26

Esquema de pagos
Periodo
Fecha
1
22-May-13
2
21-Jun-13
3
21-Jul-13
4
20-Aug-13
5
19-Sep-13
6
19-Oct-13
7
18-Nov-13
8
18-Dec-13
9
17-Jan-14
10
16-Feb-14
11
18-Mar-14
12
17-Apr-14
13
17-May-14
14
16-Jun-14
15
16-Jul-14
16
15-Aug-14
17
14-Sep-14
18
14-Oct-14
19
13-Nov-14
20
13-Dec-14
21
12-Jan-15
22
11-Feb-15
23
13-Mar-15
24
12-Apr-15
25
12-May-15
26
11-Jun-15
27
11-Jul-15
28
10-Aug-15
29
9-Sep-15
30
9-Oct-15
31
8-Nov-15
32
8-Dec-15
33
7-Jan-16
34
6-Feb-16
35
7-Mar-16
36
6-Apr-16
37
6-May-16
38
5-Jun-16
39
5-Jul-16
40
4-Aug-16
41
3-Sep-16
42
3-Oct-16
43
2-Nov-16
44
2-Dec-16
45
1-Jan-17

Coefic.
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00

TABLA DE AMORTIZACIN
S. inicial
60,000.00
59,485.48
58,965.30
57,266.16
56,721.62
56,171.10
55,614.54
55,051.87
53,309.77
52,721.79
52,127.36
51,526.40
50,918.85
50,304.62
49,683.65
47,882.61
47,235.05
46,580.38
45,918.53
45,249.40
43,399.68
42,702.90
41,998.47
41,286.31
40,566.33
39,838.45
39,102.57
37,185.36
36,420.36
35,646.96
34,865.06
34,074.59
32,102.18
31,281.36
30,451.54
29,612.61
28,764.47
27,907.01
27,040.14
24,990.50
24,091.61
23,182.85
22,264.12
21,335.30
19,223.02

46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

31-Jan-17
2-Mar-17
1-Apr-17
1-May-17
31-May-17
30-Jun-17
30-Jul-17
29-Aug-17
28-Sep-17
28-Oct-17
27-Nov-17
27-Dec-17
26-Jan-18
25-Feb-18
27-Mar-18

1.00
1.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
70.00

18,260.81
17,288.04
16,304.59
15,310.34
14,305.17
13,288.97
12,261.61
10,049.72
8,986.80
7,912.21
6,825.82
5,727.50
3,443.87
2,308.43
1,160.51

ABLA DE AMORTIZACIN
Intereses
658.73
653.08
647.37
628.72
622.74
616.69
610.58
604.41
585.28
578.82
572.30
565.70
559.03
552.29
545.47
525.70
518.59
511.40
504.13
496.79
476.48
468.83
461.10
453.28
445.37
437.38
429.30
408.25
399.85
391.36
382.78
374.10
352.45
343.43
334.32
325.11
315.80
306.39
296.87
274.37
264.50
254.52
244.43
234.24
211.05

Amortiz.
514.52
520.17
1,699.14
544.54
550.52
556.56
562.67
1,742.11
587.98
594.43
600.96
607.56
614.23
620.97
1,801.04
647.56
654.67
661.86
669.12
1,849.73
696.78
704.43
712.16
719.98
727.88
735.88
1,917.21
765.00
773.40
781.89
790.48
1,972.41
820.81
829.82
838.93
848.14
857.45
866.87
2,049.64
898.89
908.76
918.73
928.82
2,112.27
962.21

Cuota
1,173.26
1,173.26
2,346.51
1,173.26
1,173.26
1,173.26
1,173.26
2,346.51
1,173.26
1,173.26
1,173.26
1,173.26
1,173.26
1,173.26
2,346.51
1,173.26
1,173.26
1,173.26
1,173.26
2,346.51
1,173.26
1,173.26
1,173.26
1,173.26
1,173.26
1,173.26
2,346.51
1,173.26
1,173.26
1,173.26
1,173.26
2,346.51
1,173.26
1,173.26
1,173.26
1,173.26
1,173.26
1,173.26
2,346.51
1,173.26
1,173.26
1,173.26
1,173.26
2,346.51
1,173.26

S. final
59,485.48
58,965.30
57,266.16
56,721.62
56,171.10
55,614.54
55,051.87
53,309.77
52,721.79
52,127.36
51,526.40
50,918.85
50,304.62
49,683.65
47,882.61
47,235.05
46,580.38
45,918.53
45,249.40
43,399.68
42,702.90
41,998.47
41,286.31
40,566.33
39,838.45
39,102.57
37,185.36
36,420.36
35,646.96
34,865.06
34,074.59
32,102.18
31,281.36
30,451.54
29,612.61
28,764.47
27,907.01
27,040.14
24,990.50
24,091.61
23,182.85
22,264.12
21,335.30
19,223.02
18,260.81

VP de cuotas
S/. 60,000.00

200.48
972.77
189.80
983.45
179.01
994.25
168.09 1,005.17
157.05 1,016.20
145.90 1,027.36
134.62 2,211.89
110.33 1,062.92
98.66 1,074.59
86.87 1,086.39
74.94 1,098.32
62.88 2,283.63
37.81 1,135.45
25.34 1,147.91
12.74 1,160.51
22,127.91 60,000.00

1,173.26
1,173.26
1,173.26
1,173.26
1,173.26
1,173.26
2,346.51
1,173.26
1,173.26
1,173.26
1,173.26
2,346.51
1,173.26
1,173.26
1,173.26

17,288.04
16,304.59
15,310.34
14,305.17
13,288.97
12,261.61
10,049.72
8,986.80
7,912.21
6,825.82
5,727.50
3,443.87
2,308.43
1,160.51
0.00

PAGO DE DEUDAS CON CUOTAS FIJAS Y DOBLES Y PAGOS DIFERIDOS

Esquema de pagos
Periodo
Fecha
Monto:
S/. 60,000.00
1
22-May-13
Plazo:
5
aos
2
21-Jun-13
TEA:
14.00%
3
21-Jul-13
Forma de pago: Cuotas fijas mensuales
4
20-Aug-13
Doble cuota Julio y Diciembre
5
19-Sep-13
Diferimiento de 3 meses
6
19-Oct-13
Desembolso:
22-Apr-13
7
18-Nov-13
8
18-Dec-13
9
17-Jan-14
Clculo de la cuota mensual
10
16-Feb-14
Tasa mensual
1.0979%
11
18-Mar-14
12
17-Apr-14
VP de coefic.
47.2367
13
17-May-14
14
16-Jun-14
Cuota mensual
S/. 1,270.20
15
16-Jul-14
16
15-Aug-14
17
14-Sep-14
18
14-Oct-14
19
13-Nov-14
20
13-Dec-14
21
12-Jan-15
22
11-Feb-15
23
13-Mar-15
24
12-Apr-15
25
12-May-15
26
11-Jun-15
27
11-Jul-15
28
10-Aug-15
29
9-Sep-15
30
9-Oct-15
31
8-Nov-15
32
8-Dec-15
33
7-Jan-16
34
6-Feb-16
35
7-Mar-16
36
6-Apr-16
37
6-May-16
38
5-Jun-16
39
5-Jul-16
40
4-Aug-16
41
3-Sep-16
42
3-Oct-16
43
2-Nov-16
44
2-Dec-16

Coefic.
0.00
0.00
0.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00

TABLA DE AMORTIZACIN
S. inicial
60,000.00
60,658.73
61,324.69
61,997.97
61,408.44
60,812.43
60,209.88
59,600.72
57,714.66
57,078.10
56,434.56
55,783.94
55,126.19
54,461.21
53,788.93
51,839.07
51,138.00
50,429.24
49,712.70
48,988.29
46,985.72
46,231.37
45,468.74
44,697.73
43,918.26
43,130.23
42,333.55
40,257.93
39,429.71
38,592.41
37,745.91
36,890.11
34,754.72
33,866.09
32,967.70
32,059.45
31,141.23
30,212.92
29,274.42
27,055.42
26,082.26
25,098.42
24,103.77
23,098.20

45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

1-Jan-17
31-Jan-17
2-Mar-17
1-Apr-17
1-May-17
31-May-17
30-Jun-17
30-Jul-17
29-Aug-17
28-Sep-17
28-Oct-17
27-Nov-17
27-Dec-17
26-Jan-18
25-Feb-18
27-Mar-18

1.00
1.00
1.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
66.00

20,811.39
19,769.68
18,716.52
17,651.81
16,575.41
15,487.19
14,387.02
13,274.77
10,880.11
9,729.36
8,565.98
7,389.82
6,200.76
3,728.43
2,499.17
1,256.41

ABLA DE AMORTIZACIN
Intereses
658.73
665.96
673.27
680.67
674.19
667.65
661.04
654.35
633.64
626.65
619.59
612.44
605.22
597.92
590.54
569.13
561.44
553.66
545.79
537.84
515.85
507.57
499.19
490.73
482.17
473.52
464.77
441.99
432.89
423.70
414.41
405.01
381.57
371.81
361.95
351.98
341.89
331.70
321.40
297.04
286.35
275.55
264.63
253.59

Amortiz.
-658.73
-665.96
-673.27
589.53
596.01
602.55
609.16
1,886.05
636.56
643.55
650.61
657.76
664.98
672.28
1,949.86
701.07
708.76
716.54
724.41
2,002.56
754.35
762.63
771.01
779.47
788.03
796.68
2,075.63
828.21
837.31
846.50
855.79
2,135.39
888.63
898.39
908.25
918.22
928.31
938.50
2,219.00
973.16
983.85
994.65
1,005.57
2,286.81

Cuota
0.00
0.00
0.00
1,270.20
1,270.20
1,270.20
1,270.20
2,540.40
1,270.20
1,270.20
1,270.20
1,270.20
1,270.20
1,270.20
2,540.40
1,270.20
1,270.20
1,270.20
1,270.20
2,540.40
1,270.20
1,270.20
1,270.20
1,270.20
1,270.20
1,270.20
2,540.40
1,270.20
1,270.20
1,270.20
1,270.20
2,540.40
1,270.20
1,270.20
1,270.20
1,270.20
1,270.20
1,270.20
2,540.40
1,270.20
1,270.20
1,270.20
1,270.20
2,540.40

S. final
60,658.73
61,324.69
61,997.97
61,408.44
60,812.43
60,209.88
59,600.72
57,714.66
57,078.10
56,434.56
55,783.94
55,126.19
54,461.21
53,788.93
51,839.07
51,138.00
50,429.24
49,712.70
48,988.29
46,985.72
46,231.37
45,468.74
44,697.73
43,918.26
43,130.23
42,333.55
40,257.93
39,429.71
38,592.41
37,745.91
36,890.11
34,754.72
33,866.09
32,967.70
32,059.45
31,141.23
30,212.92
29,274.42
27,055.42
26,082.26
25,098.42
24,103.77
23,098.20
20,811.39

VP de cuotas
S/. 60,000.00

228.49 1,041.71
217.05 1,053.15
205.49 1,064.71
193.80 1,076.40
181.98 1,088.22
170.03 1,100.17
157.95 1,112.25
145.74 2,394.66
119.45 1,150.75
106.82 1,163.38
94.04 1,176.16
81.13 1,189.07
68.08 2,472.32
40.93 1,229.27
27.44 1,242.76
13.79 1,256.41
23,833.20 60,000.00

1,270.20
1,270.20
1,270.20
1,270.20
1,270.20
1,270.20
1,270.20
2,540.40
1,270.20
1,270.20
1,270.20
1,270.20
2,540.40
1,270.20
1,270.20
1,270.20

19,769.68
18,716.52
17,651.81
16,575.41
15,487.19
14,387.02
13,274.77
10,880.11
9,729.36
8,565.98
7,389.82
6,200.76
3,728.43
2,499.17
1,256.41
0.00

PAGO DE DEUDAS CON CUOTAS FIJAS Y DOBLES AO CALENDARIO

Monto:
S/. 80,000.00
Plazo:
4
TEA:
15.00%
Forma de pago: Cuotas fijas mensuales
Doble cuota Julio y Diciembre
Desembolso:
22-Apr-13
Pagos (FFP):
Da 25 de cada mes
Clculo de la cuota
TEA de 365 d.
15.2234%
VP de coefic.
Cuota mensual

42.5045
S/. 1,882.15

Esquema de pagos
Periodo
Fecha
Inicio
22-Apr-13
1
25-May-13
2
25-Jun-13
3
25-Jul-13
4
25-Aug-13
5
25-Sep-13
6
25-Oct-13
7
25-Nov-13
8
25-Dec-13
9
25-Jan-14
10
25-Feb-14
11
25-Mar-14
12
25-Apr-14
13
25-May-14
14
25-Jun-14
15
25-Jul-14
16
25-Aug-14
17
25-Sep-14
18
25-Oct-14
19
25-Nov-14
20
25-Dec-14
21
25-Jan-15
22
25-Feb-15
23
25-Mar-15
24
25-Apr-15
25
25-May-15
26
25-Jun-15
27
25-Jul-15
28
25-Aug-15
29
25-Sep-15
30
25-Oct-15
31
25-Nov-15
32
25-Dec-15
33
25-Jan-16
34
25-Feb-16
35
25-Mar-16
36
25-Apr-16
37
25-May-16
38
25-Jun-16
39
25-Jul-16
40
25-Aug-16
41
25-Sep-16
42
25-Oct-16
43
25-Nov-16
44
25-Dec-16

45
46
47
48

25-Jan-17
25-Feb-17
25-Mar-17
25-Apr-17

Coefic.
0.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00

Das

Tasa periodo

33
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
29
31
30
31
30
31
31
30
31
30

1.2894%
1.2108%
1.1715%
1.2108%
1.2108%
1.1715%
1.2108%
1.1715%
1.2108%
1.2108%
1.0930%
1.2108%
1.1715%
1.2108%
1.1715%
1.2108%
1.2108%
1.1715%
1.2108%
1.1715%
1.2108%
1.2108%
1.0930%
1.2108%
1.1715%
1.2108%
1.1715%
1.2108%
1.2108%
1.1715%
1.2108%
1.1715%
1.2108%
1.2108%
1.1322%
1.2108%
1.1715%
1.2108%
1.1715%
1.2108%
1.2108%
1.1715%
1.2108%
1.1715%

TABLA DE AMORTIZACIN
S. inicial
Intereses
80,000.00
79,149.36
78,225.53
75,377.63
74,408.13
73,426.90
72,404.93
71,399.44
68,471.57
67,418.46
66,352.59
65,195.65
64,102.87
62,971.68
61,851.97
58,812.26
57,642.19
56,457.96
55,237.20
54,023.85
50,892.43
49,626.47
48,345.18
46,991.43
45,678.24
44,331.20
42,985.80
39,725.07
38,323.90
36,905.76
35,455.96
34,003.10
30,637.13
29,125.93
27,596.42
26,026.72
24,459.70
22,864.09
21,258.77
17,743.51
16,076.19
14,388.68
12,675.09
10,946.40

1,031.51
958.32
916.41
912.65
900.92
860.19
876.66
836.44
829.04
816.29
725.21
789.37
750.96
762.45
724.59
712.09
697.92
661.40
668.80
632.88
616.19
600.87
528.40
568.96
535.12
536.75
503.58
480.98
464.02
432.35
429.29
398.34
370.95
352.65
312.45
315.13
286.54
276.83
249.04
214.83
194.65
168.56
153.47
128.24

Amortiz
850.64
923.83
2,847.90
969.50
981.24
1,021.96
1,005.49
2,927.87
1,053.11
1,065.87
1,156.94
1,092.78
1,131.19
1,119.71
3,039.72
1,170.07
1,184.23
1,220.75
1,213.35
3,131.42
1,265.96
1,281.29
1,353.76
1,313.19
1,347.04
1,345.40
3,260.73
1,401.17
1,418.14
1,449.81
1,452.86
3,365.96
1,511.21
1,529.50
1,569.70
1,567.03
1,595.61
1,605.32
3,515.26
1,667.32
1,687.51
1,713.59
1,728.69
3,636.07

Cuota
1,882.15
1,882.15
3,764.31
1,882.15
1,882.15
1,882.15
1,882.15
3,764.31
1,882.15
1,882.15
1,882.15
1,882.15
1,882.15
1,882.15
3,764.31
1,882.15
1,882.15
1,882.15
1,882.15
3,764.31
1,882.15
1,882.15
1,882.15
1,882.15
1,882.15
1,882.15
3,764.31
1,882.15
1,882.15
1,882.15
1,882.15
3,764.31
1,882.15
1,882.15
1,882.15
1,882.15
1,882.15
1,882.15
3,764.31
1,882.15
1,882.15
1,882.15
1,882.15
3,764.31

S. final
79,149.36
78,225.53
75,377.63
74,408.13
73,426.90
72,404.93
71,399.44
68,471.57
67,418.46
66,352.59
65,195.65
64,102.87
62,971.68
61,851.97
58,812.26
57,642.19
56,457.96
55,237.20
54,023.85
50,892.43
49,626.47
48,345.18
46,991.43
45,678.24
44,331.20
42,985.80
39,725.07
38,323.90
36,905.76
35,455.96
34,003.10
30,637.13
29,125.93
27,596.42
26,026.72
24,459.70
22,864.09
21,258.77
17,743.51
16,076.19
14,388.68
12,675.09
10,946.40
7,310.33

1.00
1.00
1.00
1.00
56.00

31
31
28
31

1.2108%
1.2108%
1.0930%
1.2108%

7,310.33
5,516.69
3,701.34
1,859.64

88.51
66.79
40.45
22.52
25,400.57

1,793.64
1,815.36
1,841.70
1,859.64
80,000.00

1,882.15
1,882.15
1,882.15
1,882.15

5,516.69
3,701.34
1,859.64
0.00

PAGO DE DEUDAS CON CUOTAS FIJAS Y DOBLES AO CALENDARIO

Monto:
S/. 90,000.00
Plazo:
4
TEA:
13.00%
Forma de pago: Cuotas fijas mensuales
Doble cuota Julio y Diciembre
Media cuota en Marzo
Desembolso:
2-May-13
Pagos (FFP):
Da 05 de cada mes
Primer pago:
5-Aug-13
Clculo de la cuota
TEA de 365 d.
13.1920%
VP de coefic.
Cuota mensual

41.3343
S/. 2,177.37

Esquema de pagos
Periodo
Fecha
Inicio
2-May-13
1
5-Aug-13
2
5-Sep-13
3
5-Oct-13
4
5-Nov-13
5
5-Dec-13
6
5-Jan-14
7
5-Feb-14
8
5-Mar-14
9
5-Apr-14
10
5-May-14
11
5-Jun-14
12
5-Jul-14
13
5-Aug-14
14
5-Sep-14
15
5-Oct-14
16
5-Nov-14
17
5-Dec-14
18
5-Jan-15
19
5-Feb-15
20
5-Mar-15
21
5-Apr-15
22
5-May-15
23
5-Jun-15
24
5-Jul-15
25
5-Aug-15
26
5-Sep-15
27
5-Oct-15
28
5-Nov-15
29
5-Dec-15
30
5-Jan-16
31
5-Feb-16
32
5-Mar-16
33
5-Apr-16
34
5-May-16
35
5-Jun-16
36
5-Jul-16
37
5-Aug-16
38
5-Sep-16
39
5-Oct-16
40
5-Nov-16
41
5-Dec-16
42
5-Jan-17
43
5-Feb-17
44
5-Mar-17

45
46
47
48

5-Apr-17
5-May-17
5-Jun-17
5-Jul-17

Coefic.
0.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
0.50
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
0.50
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
0.50
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
0.50

Das

Tasa periodo

95
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
29
31
30
31
30
31
31
30
31
30
31
31
28

3.2778%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
0.9551%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
0.9551%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
0.9894%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
0.9551%

TABLA DE AMORTIZACIN
S. inicial
Intereses
90,000.00
90,772.61
89,555.61
88,295.00
87,051.78
83,588.18
82,295.16
80,988.47
80,673.31
79,349.46
77,984.37
76,632.07
73,061.80
71,657.41
70,238.17
68,779.82
67,330.13
63,664.64
62,160.83
60,641.12
60,131.62
58,590.44
57,012.85
55,438.67
51,651.45
50,020.54
48,372.38
46,690.19
45,006.80
41,112.79
39,370.39
37,609.55
36,892.97
35,105.92
33,287.93
31,462.74
27,430.08
25,542.92
23,635.79
21,700.37
19,752.59
15,600.06
13,587.73
11,554.12

2,949.98
960.36
916.77
934.15
891.14
884.35
870.67
773.53
853.51
812.29
825.06
784.47
772.98
758.13
719.02
727.68
689.25
673.56
657.65
579.19
636.18
599.78
603.19
567.52
546.47
529.21
495.18
493.98
460.73
434.97
416.53
372.11
390.32
359.37
352.18
322.08
290.21
270.24
241.96
229.59
202.20
165.05
143.76
110.36

Amortiz
-772.61
1,217.01
1,260.60
1,243.22
3,463.60
1,293.02
1,306.70
315.15
1,323.86
1,365.08
1,352.31
3,570.27
1,404.39
1,419.24
1,458.35
1,449.69
3,665.49
1,503.81
1,519.72
509.49
1,541.18
1,577.59
1,574.18
3,787.22
1,630.90
1,648.16
1,682.19
1,683.39
3,894.01
1,742.40
1,760.84
716.58
1,787.05
1,818.00
1,825.19
4,032.66
1,887.16
1,907.13
1,935.41
1,947.78
4,152.54
2,012.32
2,033.61
978.33

Cuota
2,177.37
2,177.37
2,177.37
2,177.37
4,354.74
2,177.37
2,177.37
1,088.68
2,177.37
2,177.37
2,177.37
4,354.74
2,177.37
2,177.37
2,177.37
2,177.37
4,354.74
2,177.37
2,177.37
1,088.68
2,177.37
2,177.37
2,177.37
4,354.74
2,177.37
2,177.37
2,177.37
2,177.37
4,354.74
2,177.37
2,177.37
1,088.68
2,177.37
2,177.37
2,177.37
4,354.74
2,177.37
2,177.37
2,177.37
2,177.37
4,354.74
2,177.37
2,177.37
1,088.68

S. final
90,772.61
89,555.61
88,295.00
87,051.78
83,588.18
82,295.16
80,988.47
80,673.31
79,349.46
77,984.37
76,632.07
73,061.80
71,657.41
70,238.17
68,779.82
67,330.13
63,664.64
62,160.83
60,641.12
60,131.62
58,590.44
57,012.85
55,438.67
51,651.45
50,020.54
48,372.38
46,690.19
45,006.80
41,112.79
39,370.39
37,609.55
36,892.97
35,105.92
33,287.93
31,462.74
27,430.08
25,542.92
23,635.79
21,700.37
19,752.59
15,600.06
13,587.73
11,554.12
10,575.79

1.00
1.00
1.00
2.00
54.00

31
30
31
30

1.0580%
1.0237%
1.0580%
1.0237%

10,575.79
8,510.31
6,420.06
4,310.61

111.89
87.12
67.92
44.13
27,577.97

2,065.48
2,090.25
2,109.45
4,310.61
90,000.00

2,177.37
2,177.37
2,177.37
4,354.74

8,510.31
6,420.06
4,310.61
0.00

PAGO DE DEUDAS CON CUOTAS FIJAS Y DOBLES AO CALENDARIO

Monto:
S/. 90,000.00
Plazo:
4
TEA:
13.00%
Forma de pago: Cuotas fijas mensuales
Doble cuota Julio y Diciembre
Media cuota en Marzo
Desembolso:
2-May-13
Pagos (FFP):
Da 05 de cada mes
Primer pago:
5-Aug-13
Clculo de la cuota
TEA de 365 d.
13.1920%
VP de coefic.
Cuota mensual

39.5406
S/. 2,276.14

Esquema de pagos
Periodo
Fecha
Inicio
2-May-13
1
5-Aug-13
2
5-Sep-13
3
5-Oct-13
4
5-Nov-13
5
5-Dec-13
6
5-Jan-14
7
5-Feb-14
8
5-Mar-14
9
5-Apr-14
10
5-May-14
11
5-Jun-14
12
5-Jul-14
13
5-Aug-14
14
5-Sep-14
15
5-Oct-14
16
5-Nov-14
17
5-Dec-14
18
5-Jan-15
19
5-Feb-15
20
5-Mar-15
21
5-Apr-15
22
5-May-15
23
5-Jun-15
24
5-Jul-15
25
5-Aug-15
26
5-Sep-15
27
5-Oct-15
28
5-Nov-15
29
5-Dec-15
30
5-Jan-16
31
5-Feb-16
32
5-Mar-16
33
5-Apr-16
34
5-May-16
35
5-Jun-16
36
5-Jul-16
37
5-Aug-16
38
5-Sep-16
39
5-Oct-16
40
5-Nov-16
41
5-Dec-16
42
5-Jan-17
43
5-Feb-17
44
5-Mar-17

45
46

5-Apr-17
5-May-17

Coefic.
0.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
0.50
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
0.50
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
0.50
1.00
1.00
1.00
2.00
1.00
1.00
1.00
1.00
2.00
1.00
1.00
0.50

Das

Tasa periodo

95
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
29
31
30
31
30
31
31
30
31
30
31
31
28

3.2778%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
0.9551%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
0.9551%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
0.9894%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
1.0237%
1.0580%
1.0237%
1.0580%
1.0580%
0.9551%

TABLA DE AMORTIZACIN
S. inicial
Intereses
90,000.00
90,673.84
89,357.01
87,995.60
86,650.44
82,985.18
81,587.01
80,174.04
79,801.73
78,369.87
76,895.99
75,433.40
71,653.31
70,135.25
68,601.12
67,027.24
65,460.23
61,578.05
59,953.40
58,311.55
57,730.42
56,065.06
54,362.84
52,661.85
48,648.65
46,887.21
45,107.12
43,292.73
41,474.62
37,346.90
35,465.88
33,564.96
32,758.98
30,829.42
28,868.87
26,898.16
22,621.22
20,584.41
18,526.04
16,439.55
14,337.33
9,931.81
7,760.75
5,566.71

2,949.98
959.32
914.73
930.98
887.03
877.97
863.18
765.75
844.29
802.26
813.55
772.20
758.08
742.02
702.26
709.14
670.11
651.49
634.30
556.94
610.78
573.93
575.15
539.09
514.70
496.06
461.75
458.03
424.57
395.13
375.22
332.09
346.59
315.60
305.43
275.35
239.33
217.78
189.65
173.93
146.77
105.08
82.11
53.17

Amortiz
-673.84
1,316.83
1,361.41
1,345.16
3,665.26
1,398.17
1,412.96
372.32
1,431.85
1,473.88
1,462.59
3,780.09
1,518.06
1,534.12
1,573.89
1,567.00
3,882.18
1,624.66
1,641.84
581.13
1,665.36
1,702.21
1,700.99
4,013.20
1,761.45
1,780.08
1,814.39
1,818.11
4,127.72
1,881.02
1,900.92
805.98
1,929.56
1,960.55
1,970.72
4,276.94
2,036.81
2,058.36
2,086.50
2,102.22
4,405.52
2,171.07
2,194.04
1,084.90

Cuota
2,276.14
2,276.14
2,276.14
2,276.14
4,552.29
2,276.14
2,276.14
1,138.07
2,276.14
2,276.14
2,276.14
4,552.29
2,276.14
2,276.14
2,276.14
2,276.14
4,552.29
2,276.14
2,276.14
1,138.07
2,276.14
2,276.14
2,276.14
4,552.29
2,276.14
2,276.14
2,276.14
2,276.14
4,552.29
2,276.14
2,276.14
1,138.07
2,276.14
2,276.14
2,276.14
4,552.29
2,276.14
2,276.14
2,276.14
2,276.14
4,552.29
2,276.14
2,276.14
1,138.07

S. final
90,673.84
89,357.01
87,995.60
86,650.44
82,985.18
81,587.01
80,174.04
79,801.73
78,369.87
76,895.99
75,433.40
71,653.31
70,135.25
68,601.12
67,027.24
65,460.23
61,578.05
59,953.40
58,311.55
57,730.42
56,065.06
54,362.84
52,661.85
48,648.65
46,887.21
45,107.12
43,292.73
41,474.62
37,346.90
35,465.88
33,564.96
32,758.98
30,829.42
28,868.87
26,898.16
22,621.22
20,584.41
18,526.04
16,439.55
14,337.33
9,931.81
7,760.75
5,566.71
4,481.81

1.00
1.00
51.00

31
30

1.0580%
1.0237%

4,481.81
2,253.08

47.42
23.06
26,083.35

2,228.73
2,253.08
90,000.00

2,276.14
2,276.14

2,253.08
0.00

PAGO DE DEUDAS EN AO CALENDARIO CON SEGUROS Y PORTES

Monto:
Plazo (aos):
TEA:
Forma pago:
Seguros:
Portes:
Desembolso:
FFP:

S/. 40,000.00
3
16.00%
Cuotas fijas mensuales
Desgravamen
0.15%
Multiriesgo
0.06%
S/. 3.00
mensual
19-Apr-13
15 de cada mes

Base de clculo de seguros

Desgravamen: Saldo adeudado
Multiriesgo:
Monto operacin
TEA 365 das
Cuota mensual

16.2394%
S/. 1,450.41

BUSCAR OBJETIVO permite obtener la cuota

mensual
mensual

Tabla de Amortizacin
Periodo
Fecha
Inicio
19-Apr-13
1
15-May-13
2
15-Jun-13
3
15-Jul-13
4
15-Aug-13
5
15-Sep-13
6
15-Oct-13
7
15-Nov-13
8
15-Dec-13
9
15-Jan-14
10
15-Feb-14
11
15-Mar-14
12
15-Apr-14
13
15-May-14
14
15-Jun-14
15
15-Jul-14
16
15-Aug-14
17
15-Sep-14
18
15-Oct-14
19
15-Nov-14
20
15-Dec-14
21
15-Jan-15
22
15-Feb-15
23
15-Mar-15
24
15-Apr-15
25
15-May-15
26
15-Jun-15
27
15-Jul-15
28
15-Aug-15
29
15-Sep-15
30
15-Oct-15
31
15-Nov-15
32
15-Dec-15
33
15-Jan-16
34
15-Feb-16
35
15-Mar-16
36
15-Apr-16

Das

Tasa periodo

26
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
28
31
30
31
30
31
31
30
31
30
31
31
29
31

1.0777%
1.2863%
1.2445%
1.2863%
1.2863%
1.2445%
1.2863%
1.2445%
1.2863%
1.2863%
1.1611%
1.2863%
1.2445%
1.2863%
1.2445%
1.2863%
1.2863%
1.2445%
1.2863%
1.2445%
1.2863%
1.2863%
1.1611%
1.2863%
1.2445%
1.2863%
1.2445%
1.2863%
1.2863%
1.2445%
1.2863%
1.2445%
1.2863%
1.2863%
1.2028%
1.2863%

S. Inicial
40,000.00
39,056.47
38,196.76
37,306.02
36,421.08
35,523.40
34,595.37
33,671.37
32,717.52
31,766.45
30,801.68
29,777.42
28,783.99
27,761.98
26,739.49
25,688.97
24,636.60
23,569.07
22,474.34
21,375.65
20,250.32
19,119.58
17,972.53
16,781.36
15,600.61
14,394.76
13,179.61
11,940.00
10,689.48
9,420.93
8,128.90
6,823.45
5,495.19
4,151.79
2,789.01
1,402.40

Intereses

Amortiz.

431.08
502.37
475.36
479.85
468.47
442.09
444.99
419.04
420.83
408.60
357.63
383.02
358.22
357.09
332.78
330.43
316.89
293.32
289.08
266.02
260.47
245.93
208.67
215.85
194.15
185.15
164.02
153.58
137.49
117.24
104.56
84.92
70.68
53.40
33.55
18.04
10,024.89

943.53
859.70
890.75
884.93
897.68
928.03
924.00
953.86
951.06
964.77
1,024.26
993.44
1,022.01
1,022.49
1,050.52
1,052.36
1,067.53
1,094.73
1,098.69
1,125.32
1,130.75
1,147.05
1,191.17
1,180.74
1,205.86
1,215.14
1,239.62
1,250.52
1,268.54
1,292.03
1,305.45
1,328.25
1,343.41
1,362.77
1,386.62
1,402.40
40,000.00

S. Desgrav
52.00
60.54
57.30
57.82
56.45
53.29
53.62
50.51
50.71
49.24
43.12
46.16
43.18
43.03
40.11
39.82
38.19
35.35
34.84
32.06
31.39
29.64
25.16
26.01
23.40
22.31
19.77
18.51
16.57
14.13
12.60
10.24
8.52
6.44
4.04
2.17
1,208.22

S. Multir.
20.80
24.80
24.00
24.80
24.80
24.00
24.80
24.00
24.80
24.80
22.40
24.80
24.00
24.80
24.00
24.80
24.80
24.00
24.80
24.00
24.80
24.80
22.40
24.80
24.00
24.80
24.00
24.80
24.80
24.00
24.80
24.00
24.80
24.80
23.20
24.80
873.60

Portes
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
108.00

Cuota

S. Final

1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41
1,450.41

39,056.47
38,196.76
37,306.02
36,421.08
35,523.40
34,595.37
33,671.37
32,717.52
31,766.45
30,801.68
29,777.42
28,783.99
27,761.98
26,739.49
25,688.97
24,636.60
23,569.07
22,474.34
21,375.65
20,250.32
19,119.58
17,972.53
16,781.36
15,600.61
14,394.76
13,179.61
11,940.00
10,689.48
9,420.93
8,128.90
6,823.45
5,495.19
4,151.79
2,789.01
1,402.40
0.00