simulacion buses.xls

RESUMEN EJECUTIVO

Evaluaciòn financiera - compra de 12 buses

Scania Volvo

Valor bus $320,084.75 $315,000

IGV $57,615.25 $56,700

Precio de venta Bus $377,700 $371,700

# buses 12 12

Bus Scania Valor Venta $3,841,017 $3,780,000

IGV $691,383 $680,400

Precio Total $4,532,400 $4,460,400

TEA 7.65% 7.20%

Costo efectivo

Plazo en meses 30 36

CUOTA Mensual Semestral

Cuota financiamiento bus sin IGV $145,042 $711,508

$118,585 Cuota equivalente mesPago promedio financiamiento IGV $60,234 $60,773 Cuota equivalente mes

Cuota Inicial $0 $0

Garantia

Intereses financiamiento BUS $388,855 $477,709

$31,420 $30,108

Total intereses $420,275 $507,817 Intereses financiamiento IGV

$25,340 IMPUESTO SOBRE INTERESES 4.99%

$44,604 Seguro crediticio(1%)

Comisión Estructuración

Valor total con intereses $4,261,292 $4,357,761

1.109 1.153

Ratio Valor con intereses/ Valor bus

RESUMEN EJECUTIVOEvaluaciòn financiera - compra de 12 buses

Scania Volvo

Chasis

Carroceria ( Marco polo)

Bus sin IGV $320,085 $315,000

IGV $57,615 $56,700

Bus Scania con IGV $377,700 $371,700

# buses 12 12

Bus Scania Valor Venta $3,841,017 $3,780,000

BUS TOTAL IGV $691,383 $680,400

Bus Precio Total $4,532,400 $4,460,400

Buses usados parte de pago NO NO $110,000

Kms por galòn 11 11 11

Rendimiento màquina

TEA BUS (30 /36 Meses) 7.65% 7.20%

TEA IGV (12 meses) 7.00% 7.20%

INTERESES BUS $388,855 $477,709

INTERES IGV $31,420 $30,108

Total intereses $420,275 $507,817

IMPUESTO SOBRE INTERESES 4.99% $25,340

Seguro crediticio $44,604

Valor total con intereses $4,261,292 $4,357,761

Ratio Valor con intereses/ Valor bus 1.109 1.153

SCANIA VOLVO BCP LEASING IGV BCP PAGARE

Monto total $4,532,400 $4,460,400 $4,532,400 $691,400 $4,532,400

Financiamiento bus $3,841,017 $3,791,340 $3,841,017 $691,400 $3,841,017

Financiamiento IGV/ cuota inicial $691,383 $669,060Modalidad Prèstamos Prèstamos Leasing Pagarè Leasing

Fondeo Externo/local Externo/ Brazil Perù Perù Perù

Garantia prendaria Buses Buses Buses Lìnea crèdito Buses

Afecta lìnea nacional NO NO SI SI SI

Informaciòn contable Pendiente Pendiente

Plazo meses 30 36 30 12 30

Pagos Mensual Semestral Mensual Mensual Mensual

TEA US$ BUS 7.65% 7.20% 6.50% 8.50% 6.50%

TCEA US$ BUS 7.56% 8.48% 8.85% 7.77%

$145,041 $711,508 $138,933 $60,361 $138,741IGV CUOTA LEASING US $ 18% $26,107 $25,008 $0.00 $24,973Financiamiento IGV TEA 7.00%

$420TEA S/ Dato referencial 8.10% 8.50% 7.80%

TCEA S/ Dato referencial 10.11%

Opciòn compra sin IGV 1.00% 1.00%

1.00% 1.47%

Probabable mejora por negociar 0.50% 0.50%

Màs plazo Pagos Reducciòn tasa Reducciòn tasa

semestrales

INTERBANK LEASING

Aval solidario de accionistas

Cuota mensual / Semestral sin IGV US$

financiamiento IGV intereses promedio mensual

Comisiòn activaciòn Estructuraciòn sin IGV

Scania Finance Entidad no

regulada

Forma recupero IGV intereses Crèdito contra No hay IGV por

Fact contratos intereses por ser externo

IGV 12 meses 12 meses

90 dìas gracias Semestral

Prenda de

otros buses

Seguro crediticio 1.00%

$44,604.00

Sobre monto

total no el

financiado

Impuesto a la Renta Grava el 4,99%

30% sobre intereses

por tasas menores

a mercado

Pagos notariales

Percepción si no eres agente

de percepción

Primera importación 10.00%

Segunda exportación o más 3.50%

$691,400

Pagarè

Lìnea crèdito

Mensual

$60,023

IGV INTER PAGARE

Móvil Tours Cuadro de Amortización

Importe 4,532,400.00 inc IGV CuotaPlazo 30 meses 0Tasa de Interés tem 0.6162% 1 23,667.68

tea 7.6500% 2 145,041.52 Cuota Inicial 691,383.05 3 145,041.52 Pagos Mensuales 145,041.52 4 145,041.52

5 145,041.52 6 145,041.52

Descripción Precio Cant Total 7 145,041.52 Bus Scania 377,700.00 12.00 4,532,400.00 8 145,041.52

9 145,041.52 Total 4,532,400.00 10 145,041.52

11 145,041.52 12 145,041.52 13 145,041.52 14 145,041.52 15 145,041.52 16 145,041.52 17 145,041.52 18 145,041.52 19 145,041.52 20 145,041.52 21 145,041.52 22 145,041.52 23 145,041.52 24 145,041.52 25 145,041.52 26 145,041.52 27 145,041.52 28 145,041.52 29 145,041.52 30 145,041.52

0 145,041.52 1 145,041.52 2 145,041.52 3 145,041.52 4 145,041.52 5 145,041.52 6 145,041.52 7 145,041.52 8 145,041.52 9 145,041.52

10 145,041.52 11 145,041.52 12 145,041.52 13 145,041.52 14 145,041.52 15 145,041.52 16 145,041.52 17 145,041.52 18 145,041.52 19 145,041.52 20 145,041.52 21 145,041.52 22 145,041.52 23 145,041.52 24 145,041.52 25 145,041.52 26 145,041.52 27 145,041.52 28 145,041.52 29 145,041.52 30 145,041.52

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Cuadro de Amortización Tasa Int0.6162% mes

Ko Interés Amortización Kf 7.6500% año3,841,016.95 -3,841,016.95

3,841,016.95 23,667.68 - 3,841,016.95 23,667.68 3,841,016.95 23,667.68 121,373.84 3,719,643.11 145,041.52 3,719,643.11 22,919.79 122,121.72 3,597,521.39 145,041.52 3,597,521.39 22,167.30 122,874.21 3,474,647.18 145,041.52 3,474,647.18 21,410.17 123,631.34 3,351,015.83 145,041.52 3,351,015.83 20,648.38 124,393.14 3,226,622.70 145,041.52 3,226,622.70 19,881.89 125,159.63 3,101,463.07 145,041.52 3,101,463.07 19,110.68 125,930.84 2,975,532.23 145,041.52 2,975,532.23 18,334.71 126,706.80 2,848,825.43 145,041.52 2,848,825.43 17,553.97 127,487.55 2,721,337.88 145,041.52 2,721,337.88 16,768.41 128,273.10 2,593,064.77 145,041.52 2,593,064.77 15,978.01 129,063.50 2,464,001.27 145,041.52 2,464,001.27 15,182.75 129,858.77 2,334,142.50 145,041.52 2,334,142.50 14,382.58 130,658.94 2,203,483.57 145,041.52 2,203,483.57 13,577.48 131,464.03 2,072,019.54 145,041.52 2,072,019.54 12,767.42 132,274.09 1,939,745.44 145,041.52 1,939,745.44 11,952.37 133,089.14 1,806,656.30 145,041.52 1,806,656.30 11,132.30 133,909.21 1,672,747.09 145,041.52 1,672,747.09 10,307.18 134,734.34 1,538,012.75 145,041.52 1,538,012.75 9,476.97 135,564.55 1,402,448.20 145,041.52 1,402,448.20 8,641.64 136,399.87 1,266,048.33 145,041.52 1,266,048.33 7,801.17 137,240.35 1,128,807.98 145,041.52 1,128,807.98 6,955.52 138,086.00 990,721.99 145,041.52 990,721.99 6,104.66 138,936.86 851,785.13 145,041.52 851,785.13 5,248.55 139,792.96 711,992.16 145,041.52 711,992.16 4,387.17 140,654.34 571,337.82 145,041.52 571,337.82 3,520.48 141,521.03 429,816.79 145,041.52 429,816.79 2,648.46 142,393.06 287,423.73 145,041.52 287,423.73 1,771.06 143,270.46 144,153.27 145,041.52 144,153.27 888.25 144,153.27 0.00 145,041.52

$388,854.69 $3,841,016.95

$4,229,871.63

- - 145,041.52 (145,041.52) 145,041.52 (145,041.52) (893.72) 145,935.24 (290,976.75) 145,041.52 (290,976.75) (1,792.95) 146,834.46 (437,811.22) 145,041.52 (437,811.22) (2,697.72) 147,739.23 (585,550.45) 145,041.52 (585,550.45) (3,608.06) 148,649.58 (734,200.02) 145,041.52 (734,200.02) (4,524.01) 149,565.53 (883,765.55) 145,041.52 (883,765.55) (5,445.61) 150,487.13 (1,034,252.68) 145,041.52 (1,034,252.68) (6,372.89) 151,414.40 (1,185,667.08) 145,041.52 (1,185,667.08) (7,305.87) 152,347.39 (1,338,014.47) 145,041.52 (1,338,014.47) (8,244.61) 153,286.13 (1,491,300.60) 145,041.52 (1,491,300.60) (9,189.14) 154,230.65 (1,645,531.25) 145,041.52 (1,645,531.25) (10,139.48) 155,180.99 (1,800,712.24) 145,041.52 (1,800,712.24) (11,095.68) 156,137.19 (1,956,849.43) 145,041.52 (1,956,849.43) (12,057.77) 157,099.28 (2,113,948.72) 145,041.52 (2,113,948.72) (13,025.78) 158,067.30 (2,272,016.02) 145,041.52 (2,272,016.02) (13,999.77) 159,041.28 (2,431,057.30) 145,041.52 (2,431,057.30) (14,979.75) 160,021.27 (2,591,078.57) 145,041.52 (2,591,078.57) (15,965.78) 161,007.29 (2,752,085.86) 145,041.52 (2,752,085.86) (16,957.87) 161,999.39 (2,914,085.25) 145,041.52 (2,914,085.25) (17,956.09) 162,997.60 (3,077,082.85) 145,041.52 (3,077,082.85) (18,960.45) 164,001.97 (3,241,084.82) 145,041.52 (3,241,084.82) (19,971.00) 165,012.52 (3,406,097.34) 145,041.52 (3,406,097.34) (20,987.78) 166,029.30 (3,572,126.63) 145,041.52 (3,572,126.63) (22,010.82) 167,052.34 (3,739,178.97) 145,041.52 (3,739,178.97) (23,040.17) 168,081.69 (3,907,260.66) 145,041.52 (3,907,260.66) (24,075.86) 169,117.38 (4,076,378.03) 145,041.52 (4,076,378.03) (25,117.93) 170,159.45 (4,246,537.48) 145,041.52 (4,246,537.48) (26,166.43) 171,207.94 (4,417,745.42) 145,041.52 (4,417,745.42) (27,221.38) 172,262.90 (4,590,008.32) 145,041.52 (4,590,008.32) (28,282.83) 173,324.35 (4,763,332.67) 145,041.52 (4,763,332.67) (29,350.83) 174,392.34 (4,937,725.01) 145,041.52 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

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Móvil Tours Cuadro de Amortización

Importe 691,383.05 inc IGV Cuota KoPlazo 12 meses 0 691,383.05Tasa de Interés tem 0.5654% 1 3,909.18 691,383.05

tea 7.0000% 2 3,909.18 691,383.05 Cuota Inicial 0.00 3 3,909.18 691,383.05 Pagos Mensuales 79,008.43 4 79,008.43 691,383.05

5 79,008.43 616,283.80 6 79,008.43 540,759.93

Descripción Precio Cant Total 7 79,008.43 464,809.03 IGV 691,383.05 1.00 691,383.05 8 79,008.43 388,428.70

9 79,008.43 311,616.50 Seguros 0.00 10 79,008.43 234,369.99

11 79,008.43 156,686.72 Total 691,383.05 12 79,008.43 78,564.22

Cuota mensual promedio

0 79,008.43 - 1 79,008.43 (79,008.43)2 79,008.43 ###3 79,008.43 ###4 79,008.43 ###5 79,008.43 ###6 79,008.43 ###7 79,008.43 ###8 79,008.43 ###9 79,008.43 ###

10 79,008.43 ###11 79,008.43 ###12 79,008.43 ###

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Tasa Int0.5654% mes

Interés Amortización Kf 7.0000% año691,383.05 -691,383.05

3,909.18 - 691,383.05 3,909.18 3,909.18 - 691,383.05 3,909.18 3,909.18 - 691,383.05 3,909.18 3,909.18 75,099.25 616,283.80 79,008.43 3,484.56 75,523.87 540,759.93 79,008.43 3,057.54 75,950.90 464,809.03 79,008.43 2,628.10 76,380.33 388,428.70 79,008.43 2,196.23 76,812.20 311,616.50 79,008.43 1,761.92 77,246.51 234,369.99 79,008.43 1,325.16 77,683.27 156,686.72 79,008.43 885.93 78,122.50 78,564.22 79,008.43 444.21 78,564.22 (0.00) 79,008.43

$31,420.37 $691,383.05 2,618.36 $722,803.43

60,233.62

- 79,008.43 (79,008.43) 79,008.43 (446.73) 79,455.16 (158,463.59) 79,008.43 (895.98) 79,904.41 (238,368.00) 79,008.43 (1,347.77) 80,356.20 (318,724.20) 79,008.43 (1,802.11) 80,810.54 (399,534.74) 79,008.43 (2,259.03) 81,267.46 (480,802.20) 79,008.43 (2,718.53) 81,726.96 (562,529.16) 79,008.43 (3,180.62) 82,189.05 (644,718.21) 79,008.43 (3,645.33) 82,653.76 (727,371.97) 79,008.43 (4,112.67) 83,121.10 (810,493.07) 79,008.43 (4,582.65) 83,591.08 (894,084.15) 79,008.43 (5,055.28) 84,063.71 (978,147.86) 79,008.43 (5,530.59) 84,539.02 ### 79,008.43 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

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Movil tours

Cronograma Ejemplo 3 años pagos semesterales para el saldo capital

Total Exportado US$ 4,460,400.00

Cuota inicial 15% US$ 669,060.00

Financiamiento US$ 3,791,340.00

Tasa Interés 7.2000 tasa de interés anual para todo el financiamiento

Plazo 3 años pagos semestrales inicio

fecha de facturacion no conocida aún

imposicion sobre los intereses 4.99%

FINANCIAMIENTO 7.33% 8.10%

3.6% 4.0% 4.99% columna de intereses tasa tasa

Pagos Vencimiento* S. Deudor Principal Interés Total (3,791,340.00) ### sobre los intereses más imposicion semestralanual

1 3,791,340.00 631,890.00 136,488.24 768,378.24 768,378.24 768,378.24 6,810.76 143,299.00 3.78% 7.56%

2 3,159,450.00 631,890.00 113,740.20 745,630.20 745,630.20 745,630.20 5,675.64 119,415.84

3 2,527,560.00 631,890.00 90,992.16 722,882.16 722,882.16 722,882.16 4,540.51 95,532.67

4 1,895,670.00 631,890.00 68,244.12 700,134.12 700,134.12 700,134.12 3,405.38 71,649.50

5 1,263,780.00 631,890.00 45,496.08 677,386.08 677,386.08 677,386.08 2,270.25 47,766.33

6 631,890.00 631,890.00 22,748.04 654,638.04 654,638.04 654,638.04 1,135.13 23,883.17

3,791,340.00 477,708.84 ### 23,837.67 501,546.51

*cada 180 días. Cronograma de vencimientos tentativo S/. 711,508.14 PAGO SEMESTRAL PROMEDIO

Punto de Inicio: fecha de facturación y embarque

TOTAL 7,582,680.00 955,417.68 ###

Estructura de Garantias

prenda sobre los camiones financiados

aval solidario de accionistas

Movil tours

Cronograma Ejemplo - 1 años cuotas trimestrales para la inicial

cantidad precio inc igv

Total Exportado US$ 4,460,400.00 12 371,700.00 precio DDP

Cuota inicial 15% US$ 669,060.00

Financiamiento US$ 3,791,340.00

Tasa Interés 7.2000 tasa de interés anual para todo el financiamiento

Plazo 1 año pagos trimestrales inicio fecha de facturacion no conocida aún

Tasa de Seguro Crediticio

sobre el valor de las unidades 1.00% US$ 44,604.00 imposicion sobre los intereses 4.99%

FINANCIAMIENTO DE LA CUOTA INICIAL US$ 669,060

4.99% columna de intereses tasa tasa

Pagos Vencimiento* S. Deudor Principal Interés Total sobre los intereses más imposicion trimestral anual

1 669,060.00 167,265.00 12,043.08 179,308.08 600.95 12,644.03 1.89% 7.56%

2 501,795.00 167,265.00 9,032.31 176,297.31 450.71 9,483.02

3 334,530.00 167,265.00 6,021.54 173,286.54 300.47 6,322.01

4 167,265.00 167,265.00 3,010.77 170,275.77 150.24 3,161.01

669,060.00 30,107.70 699,167.70 1,502.37 31,610.07

* cada 90 dias. Cronograma de vencimientos tentativo 729,275.4

Punto de Inicio: fecha de facturación y embarque 60772.95 Cuota promedio mensu

TOTAL 1,338,120.00 60,215.40 ###

valor de la carrocería US$ 195,000.00

incrementado 8% 210,600.00

8% solamente por cada uno US$ 15,600.00

por 12 buses 187,200.00

bajo el escenario de 5.5% de tasa tenemos lo siguiente

intereses por la cuota inicial US$ 22,998.94

intereses por el saldo capital US$ 547,374.71

bajo el escenario de 7.2% de tasa tenemos lo siguiente

intereses por la cuota inicial US$ 60,215.40

intereses por el saldo capital US$ 477,708.84

diferencia en los interesas a cobrar

por la cuota inicial US$ 37,216.46

por el saldo capital US$ (69,665.87)

total US$ (32,449.41)

Opción Leasing BCP

Monto en US$Monto sin IGV en US$TEA en US$TEM en US$Plazo Cuota mensual en US$Depreciación (acelerada)Opción compraValor del bienDepreciación anualTasa de impuesto a la rentaDepreciación mensualAhorro fiscal por depreciaciónTasa de IGVElemento de ConcesiónCosto del financiamientoCosto de estructuración

n Deuda Amortización Intereses Cuota0 3,841,016.951 3,722,486.59 118,530.36 20,210.26 138,740.612 3,603,332.56 119,154.03 19,586.59 138,740.613 3,483,551.59 119,780.98 18,959.63 138,740.614 3,363,140.36 120,411.23 18,329.38 138,740.615 3,242,095.56 121,044.80 17,695.82 138,740.616 3,120,413.86 121,681.70 17,058.92 138,740.617 2,998,091.91 122,321.95 16,418.66 138,740.618 2,875,126.34 122,965.57 15,775.04 138,740.619 2,751,513.76 123,612.58 15,128.04 138,740.61

10 2,627,250.77 124,262.99 14,477.62 138,740.6111 2,502,333.95 124,916.82 13,823.79 138,740.6112 2,376,759.85 125,574.10 13,166.52 138,740.6113 2,250,525.02 126,234.83 12,505.78 138,740.6114 2,123,625.98 126,899.04 11,841.57 138,740.6115 1,996,059.24 127,566.74 11,173.87 138,740.6116 1,867,821.28 128,237.96 10,502.65 138,740.6117 1,738,908.57 128,912.71 9,827.90 138,740.6118 1,609,317.56 129,591.01 9,149.61 138,740.6119 1,479,044.68 130,272.88 8,467.74 138,740.6120 1,348,086.35 130,958.33 7,782.28 138,740.6121 1,216,438.95 131,647.40 7,093.22 138,740.6122 1,084,098.87 132,340.08 6,400.53 138,740.6123 951,062.45 133,036.42 5,704.20 138,740.6124 817,326.04 133,736.41 5,004.20 138,740.6125 682,885.95 134,440.09 4,300.52 138,740.6126 547,738.47 135,147.48 3,593.14 138,740.6127 411,879.89 135,858.58 2,882.03 138,740.6128 275,306.46 136,573.43 2,167.19 138,740.6129 138,014.42 137,292.04 1,448.58 138,740.6130 0.00 138,014.42 726.19 138,740.61

Totales 3,841,016.95 321,201.46 4,162,218.41

4,532,400.003,841,016.95

6.50%0.5262%

30138,740.61 138,933.36 192.75 5,782.39

33.33% anual1.000%

3,808,739.501,269,567.14

30%105,797.26

31,739.1818%

1,534,841.26-2.5997%

1.00% $45,324.00 7.63%Esc Fisc Int Esc Fisc Dep Opc de Comp IGV Flujo de Caja 0.61%

4,487,076.00 $3,795,692.956,063.08 31,739.18 26,360.72 -127,299.07 -138,933.365,875.98 31,739.18 26,360.72 -127,486.18 -138,933.365,687.89 31,739.18 26,360.72 -127,674.26 -138,933.365,498.82 31,739.18 26,360.72 -127,863.34 -138,933.365,308.74 31,739.18 26,360.72 -128,053.41 -138,933.365,117.67 31,739.18 26,360.72 -128,244.48 -138,933.364,925.60 31,739.18 26,360.72 -128,436.55 -138,933.364,732.51 31,739.18 26,360.72 -128,629.64 -138,933.364,538.41 31,739.18 26,360.72 -128,823.74 -138,933.364,343.29 31,739.18 26,360.72 -129,018.86 -138,933.364,147.14 31,739.18 26,360.72 -129,215.01 -138,933.363,949.95 31,739.18 26,360.72 -129,412.20 -138,933.363,751.74 31,739.18 26,360.72 -129,610.42 -138,933.363,552.47 31,739.18 26,360.72 -129,809.68 -138,933.363,352.16 31,739.18 26,360.72 -130,009.99 -138,933.363,150.80 31,739.18 26,360.72 -130,211.36 -138,933.362,948.37 31,739.18 26,360.72 -130,413.78 -138,933.362,744.88 31,739.18 26,360.72 -130,617.27 -138,933.362,540.32 31,739.18 26,360.72 -130,821.83 -138,933.362,334.68 31,739.18 26,360.72 -131,027.47 -138,933.362,127.97 31,739.18 26,360.72 -131,234.19 -138,933.361,920.16 31,739.18 26,360.72 -131,441.99 -138,933.361,711.26 31,739.18 26,360.72 -131,650.89 -138,933.361,501.26 31,739.18 26,360.72 -177,184.89 -138,933.361,290.16 31,739.18 26,360.72 -177,396.00 -138,933.361,077.94 31,739.18 26,360.72 -132,284.21 -138,933.36864.61 31,739.18 26,360.72 -132,497.54 -138,933.36650.16 31,739.18 26,360.72 -132,712.00 -138,933.36434.57 31,739.18 26,360.72 -132,927.58 -138,933.36217.86 31,739.18 45,324.00 26,360.72 -133,144.30 -138,933.36

96,360.44 952,175.35 45,324.00 790,821.50 491,923.88

6.50%0.5262%

3,841,016.95-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61-138,740.61

BANCO InterbankMONTO $691,400.00CUOTAS 12PERIODICIDAD MensualTEA 9.03620% 0.00723519

Jul-13

Err:522 Err:522

Saldo Principal Intereses Cuota$691,400.00

1 $636,040.30 $55,359.70 $5,002.41 $60,362.122 $580,280.06 $55,760.24 $4,601.88 $60,362.123 $524,116.38 $56,163.68 $4,198.44 $60,362.124 $467,546.35 $56,570.03 $3,792.08 $60,362.125 $410,567.02 $56,979.33 $3,382.79 $60,362.126 $353,175.44 $57,391.58 $2,970.53 $60,362.127 $295,368.62 $57,806.82 $2,555.29 $60,362.128 $237,143.55 $58,225.07 $2,137.05 $60,362.129 $178,497.22 $58,646.34 $1,715.78 $60,362.12

10 $119,426.56 $59,070.65 $1,291.46 $60,362.1211 $59,928.52 $59,498.04 $864.07 $60,362.1212 $0.00 $59,928.52 $433.59 $60,362.12

$691,400.00 $32,945.39 $724,345.39Comisiòn estructuraciòn Err:522

Err:522

Fecha de desembolso

Comisión estructuración

Formula 2 = Monto ( Valor Actual) = Cuota x( ( 1 + i ) ^ n - 1)/( ( 1 + i ) ^ n x i)

1 - (1+i) ^-n

11.4542043

Formula 1 = CUOTA = M ((1+ i ) ^n x i )/ (1+ i ) ^n - 1 )

M = C x

COTIZACIÓN SOBRE OPERACIÓN DE ARRENDAMIENTO FINANCIERO

CLIENTE : MOVIL TOURS Fecha: 10-May-13

Moneda de la Operación : Dólares

Precio del Activo (Incl. IGV) US$ : 4,532,400.00 Activo no incluye seguro

Cuota Inicial 0.00% US$ : - (*)

Plazo (N° de pagos) : 30

Periodicidad de cuota : Cada 30 días calendario

Tipo de Activo : Omnibus

Tasa Efectiva Anual : 6.50%

Opción de Compra (sin IGV) US$ : 1.00

Comisión de Activación (sin IGV) US$ : 56,655.00

(*) A la Cuota deberá adicionarse el Impuesto General a las Ventas vigente en la fecha de pago.

Cuota Saldo Capital Amort. Interés Seguro Cuota (*)Montos en: Dólares

0 3,841,016.95 - - - - 1 3,841,016.95 118,530.36 20,210.26 - 138,740.61 2 3,722,486.59 119,154.03 19,586.59 - 138,740.61 3 3,603,332.56 119,780.98 18,959.63 - 138,740.61 4 3,483,551.59 120,411.23 18,329.38 - 138,740.61 5 3,363,140.36 121,044.80 17,695.82 - 138,740.61 6 3,242,095.56 121,681.70 17,058.92 - 138,740.61 7 3,120,413.86 122,321.95 16,418.66 - 138,740.61 8 2,998,091.91 122,965.57 15,775.04 - 138,740.61 9 2,875,126.34 123,612.58 15,128.04 - 138,740.61

10 2,751,513.76 124,262.99 14,477.62 - 138,740.61 11 2,627,250.77 124,916.82 13,823.79 - 138,740.61 12 2,502,333.95 125,574.10 13,166.52 - 138,740.61 13 2,376,759.85 126,234.83 12,505.78 - 138,740.61 14 2,250,525.02 126,899.04 11,841.57 - 138,740.61 15 2,123,625.98 127,566.74 11,173.87 - 138,740.61 16 1,996,059.24 128,237.96 10,502.65 - 138,740.61 17 1,867,821.28 128,912.71 9,827.90 - 138,740.61 18 1,738,908.57 129,591.01 9,149.61 - 138,740.61 19 1,609,317.56 130,272.88 8,467.74 - 138,740.61 20 1,479,044.68 130,958.33 7,782.28 - 138,740.61 21 1,348,086.35 131,647.40 7,093.22 - 138,740.61 22 1,216,438.95 132,340.08 6,400.53 - 138,740.61 23 1,084,098.87 133,036.42 5,704.20 - 138,740.61 24 951,062.45 133,736.41 5,004.20 - 138,740.61 25 817,326.04 134,440.09 4,300.52 - 138,740.61 26 682,885.95 135,147.48 3,593.14 - 138,740.61 27 547,738.47 135,858.58 2,882.03 - 138,740.61 28 411,879.89 136,573.43 2,167.19 - 138,740.61 29 275,306.46 137,292.04 1,448.58 - 138,740.61 30 138,014.42 138,014.42 726.19 - 138,740.61

3,841,016.95 321,201.46 4,162,218.41

La presente cotización de arrendamiento financiero no constituye un compromiso por parte de Interbank a otorgar el financiamiento. La

vigencia de esta propuesta es de 30 días. Las condiciones definitivas bajo las cuales Interbank otorgaría el financiamiento están sujetas

al resultado satisfactorio de la evaluación financiera del cliente y a la conformidad de la documentación legal.

BANCO InterbankMONTO $691,383.05CUOTAS 12PERIODICIDAD MensualTEA 7.90% 0.00635634 Formula 2 =

Jul-13

Err:522 Err:522

1 $635,754.37 $55,628.68 $4,394.67 $60,023.352 $579,772.09 $55,982.28 $4,041.07 $60,023.353 $523,433.97 $56,338.12 $3,685.23 $60,023.354 $466,737.75 $56,696.22 $3,327.12 $60,023.355 $409,681.15 $57,056.60 $2,966.74 $60,023.356 $352,261.87 $57,419.27 $2,604.07 $60,023.357 $294,477.62 $57,784.25 $2,239.10 $60,023.358 $236,326.07 $58,151.55 $1,871.80 $60,023.359 $177,804.89 $58,521.18 $1,502.17 $60,023.35

10 $118,911.73 $58,893.16 $1,130.19 $60,023.3511 $59,644.23 $59,267.50 $755.84 $60,023.3512 $0.00 $59,644.23 $379.12 $60,023.35

Err:522

Formula 1 =

Fecha de desembolso

Monto ( Valor Actual) = Cuota x( ( 1 + i ) ^ n - 1)/( ( 1 + i ) ^ n x i)

1 - (1+i) ^-n

11.5185686

M = C x

BANCO InterbankMONTO $815,832.00CUOTAS 12PERIODICIDAD MensualTEA 7.90% 0.00635634 Formula 2 =

Jul-13

Err:522 Err:522

1 $750,190.16 $65,641.84 $5,185.71 $70,827.552 $684,131.07 $66,059.09 $4,768.46 $70,827.553 $617,652.09 $66,478.98 $4,348.57 $70,827.554 $550,750.54 $66,901.54 $3,926.01 $70,827.555 $483,423.75 $67,326.79 $3,500.76 $70,827.556 $415,669.01 $67,754.74 $3,072.81 $70,827.557 $347,483.59 $68,185.42 $2,642.13 $70,827.558 $278,864.76 $68,618.83 $2,208.72 $70,827.559 $209,809.77 $69,054.99 $1,772.56 $70,827.55

10 $140,315.85 $69,493.93 $1,333.62 $70,827.5511 $70,380.19 $69,935.66 $891.90 $70,827.5512 $0.00 $70,380.19 $447.36 $70,827.55

Err:522

Formula 1 =

Fecha de desembolso

Monto ( Valor Actual) = Cuota x( ( 1 + i ) ^ n - 1)/( ( 1 + i ) ^ n x i)

1 - (1+i) ^-n

11.5185686

M = C x

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