¿qué es amortización? entidad bancaria créditos a microempresas créditos de consumo créditos...
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Sistemas de Amortización
¿Qué es Amortización?
Extinción gradual de
cualquier deuda durante
un periodo de tiempo.
Entidad Bancaria
Créditos a Microempresas
Créditos de Consumo
CréditosHipotecarios
Caja Municipal del Cusco 51.11% 45.93% 12.95%
Mi Banco 59% 55% 11%
Banco Interbank 55% 32% 11.25%
TASA DE INTERÉS EFECTIVAANUAL (TEA)
Fuente: Superintendencia de Banca y Seguro (SBS)Elaboración Propia.
Sistema de Amortización FLAT
Periodo(n)
Cuota(Rk)
Interés(Ik)
Capital(Ck)
Deuda Extinguida
(Ek)
Saldo Insoluto
(Dk)
0 - - - - S/. 2 500
1
2
3
4
5
CRÉDITO DE CONSUMO
TEA 45.93% TEM 3.20%Préstamo: S/. 2 500.00
Tiempo: 5 meses
580,00
580,00
580,00
580,00
580,00
500
500
500
500
500
80
80
80
80
80
500
1000
1500
2000
2500
2000
1500
1000
500
0
SISTEMA DE AMORTIZACIÓN FLAT
TOTAL 2 900,00 400,00 2 500
Ck= 2500 5Ik= 0.032*2500Rk= 80 + 500
Periodo(n)
Cuota(Rk)
Interés(Ik)
Capital(Ck)
Deuda Extinguida
(Ek)
Saldo Insoluto
(Dk)
0 - - - - S/. 2 500
1
2
3
4
5
CRÉDITO DE CONSUMO
TEA 45.93% TEM 3.20%Préstamo: S/. 2 500.00
Tiempo: 5 meses
549,01
549,01
549,01
549,01
549,01
469,01
484,02
499,50
515,49
531,98
80,00
64,99
49,50
33,52
17,02
469,01
953,02
1452,53
1968,02
2500,00
2030,99
1546,98
1047,47
531,98
0,00
SISTEMA DE AMORTIZACIÓN A REBATIR
TOTAL 2 745,04 245,04 2 500,00
Ck= 549,01 - 80Ik= 0.032*2500
Rk = 2500*0.032/[1 - (1+0.032)-5]
Total Pagado
InterésGenerado Capital
Flat 2 900,00 400,00 2 500A Rebatir 2 745,04 245,04 2 500
COMPARACIÓN DE LOS SISTEMAS DE AMORTIZACIÓN
Flat A Rebatir2650
2700
2750
2800
2850
2900
2950
Total Pagado Según Sistema de Amor-tización
Flat A Rebatir050100150200250300350400450
Interés Total
MODALIDADES DE PAGO DE
PRÉSTAMOS
CRÉDITO DE CONSUMO
TEA 45.93% TEM 3.20%Préstamo: S/. 3,000.00
Tiempo: 10 meses
SISTEMA DE CUOTAS CONSTANTES O FRANCÉS
Periodo Cuota Interés Capital Saldo /Deuda
0 - - - S/. 3,000.00
1 S/. 355.29 S/. 96.00 S/. 259.29 S/. 2,740.71
2 S/. 355.29 S/. 87.70 S/. 267.59 S/. 2,473.12
3 S/. 355.29 S/. 79.14 S/. 276.15 S/. 2,196.97
4 S/. 355.29 S/. 70.30 S/. 284.99 S/. 1,911.98
5 S/. 355.29 S/. 61.18 S/. 294.11 S/. 1,617.88
6 S/. 355.29 S/. 51.77 S/. 303.52 S/. 1,314.36
7 S/. 355.29 S/. 42.06 S/. 313.23 S/. 1,001.13
8 S/. 355.29 S/. 32.04 S/. 323.25 S/. 677.87
9 S/. 355.29 S/. 21.69 S/. 333.60 S/. 344.27
10 S/. 355.29 S/. 11.02 S/. 344.27 S/. -0.00
Total S/. 3,552.91 S/. 552.91 S/. 3,000.00
CRÉDITO DE CONSUMO
TEA 45.93% TEM 3.20%Préstamo: S/. 3,000.00
Tiempo: 10 meses
SISTEMA FLAT
Periodo Cuota Interés Capital Saldo /Deuda
0 - - - S/. 3,000.00
1 S/. 396.00 S/. 96.00 S/. 300.00 S/. 2,700.00
2 S/. 396.00 S/. 96.00 S/. 300.00 S/. 2,400.00
3 S/. 396.00 S/. 96.00 S/. 300.00 S/. 2,100.00
4 S/. 396.00 S/. 96.00 S/. 300.00 S/. 1,800.00
5 S/. 396.00 S/. 96.00 S/. 300.00 S/. 1,500.00
6 S/. 396.00 S/. 96.00 S/. 300.00 S/. 1,200.00
7 S/. 396.00 S/. 96.00 S/. 300.00 S/. 900.00
8 S/. 396.00 S/. 96.00 S/. 300.00 S/. 600.00
9 S/. 396.00 S/. 96.00 S/. 300.00 S/. 300.00
10 S/. 396.00 S/. 96.00 S/. 300.00 S/. -
Total S/. 3,960.00 S/. 960.00 S/. 3,000.00
CRÉDITO DE CONSUMO
TEA 45.93% TEM 3.20%Préstamo: S/. 3,000.00
Tiempo: 10 meses
SISTEMA DE CUOTAS DECRECIENTES
Periodo Cuota Interés Capital Saldo /Deuda
0 - - - S/. 3,000.00
1 S/. 396.00 S/. 96.00 S/. 300.00 S/. 2,700.00
2 S/. 386.40 S/. 86.40 S/. 300.00 S/. 2,400.00
3 S/. 376.80 S/. 76.80 S/. 300.00 S/. 2,100.00
4 S/. 367.20 S/. 67.20 S/. 300.00 S/. 1,800.00
5 S/. 357.60 S/. 57.60 S/. 300.00 S/. 1,500.00
6 S/. 348.00 S/. 48.00 S/. 300.00 S/. 1,200.00
7 S/. 338.40 S/. 38.40 S/. 300.00 S/. 900.00
8 S/. 328.80 S/. 28.80 S/. 300.00 S/. 600.00
9 S/. 319.20 S/. 19.20 S/. 300.00 S/. 300.00
10 S/. 309.60 S/. 9.60 S/. 300.00 S/. -
Total S/. 3,528.00 S/. 528.00 S/. 3,000.00
CRÉDITO DE CONSUMO
TEA 45.93% TEM 3.20%Préstamo: S/. 3,000.00
Tiempo: 10 meses
SISTEMA DE CUOTAS CRECIENTES
Periodo Factor Cuota Interés Capital Saldo /Deuda
0 - - - 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/. 672.00 S/. 3,000.00