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