tcea,hipotecario,vehficular(03-12)
DESCRIPTION
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P S/.256.28 Modalidad Francesa
Periodo Interés Amortiz. Cuota Saldo0 1,000.001 10.00 246.28 256.28 753.722 7.54 248.74 256.28 504.983 5.05 251.23 256.28 253.744 2.54 253.74 256.28 0.00
a) TCEM 1%TCEA 12.68%
Flujob) Periodo Pago Comis. Neto
0 80.00 80.001 256.28 256.282 256.28 256.283 256.28 256.284 256.28 256.28
10000 1 2 3 4
80 256.28 256.28 256.28 256.28
Interpolación lineal
i Resultado 4% 1010.271.00% 1080.00 ? 1000.001.30% 1072.65 5% 988.761.80% 1060.602.50% 1044.12 ? - 4 = 1000-1010.273.00% 1032.62 5-4 988.76-1010.274.00% 1010.275.00% 988.76 TCEM 4.4775%
TCEA 69.15%
c) Seguro FlujoPeriodo Pago Portes Desgr. Neto
1000=80+256.28*FAS(i;4)
841) Un préstamo de S/ 1,000 se va a cancelar en 4 pagos mensuales iguales a la TEM del 1%, determinar la TCEA del crédito si:a) No se cobra sobrecosto alguno.b) Se cobra una comisión por desembolso de S/. 80c) Se cobra portes de S/. 10 mensuales y un seguro de desgravamen fijo de S/. 8 cada mes.d) Se cobra b y c
Un préstamo de S/. 4,000 se va a cancelar en 3 cuotas mensuales mediante la modalidad francesa a la TNA del 36% convertible mensualmente. Determinar la TCEA si:a) No se considera sobrecosto alguno.b) Se pagan comisones por mantenimiento de cuenta de S/. 7 cada mes y seguro de S/. 12 mensuales.c) Una comisión de desembolso de S/. 130.d) b y c a la vez.
01 256.28 10.00 8.00 274.282 256.28 10.00 8.00 274.283 256.28 10.00 8.00 274.284 256.28 10.00 8.00 274.28
10000 1 2 3 4
274.28 274.28 274.28 274.28
4% 995.61i Rojito ? 1000.00
4% 995.61 TCEM 3.8164% 3% 1,019.533% 1,019.53 TCEA 56.74%
d)1000=80+274.28*FAS(i;4) 7% 1,009.04
i Rojito ? 1000.007% 1,009.04 TCEM 7.4392% 8% 988.458% 988.45 TCEA 136.57%
1000 = 274.28*FAS(i;4)
20,0000
800
P = VA*FRC 1,414.12 Saldo
Periodo Interés Amortización Cuota Insoluto0 4,000.001 120.00 1,294.12 1,414.12 2,705.882 81.18 1,332.95 1,414.12 1,372.933 41.19 1,372.93 1,414.12 0.00∑ 242.36 4,000.00 4,242.36
a) TCEM 3.00%TCEA 42.58%
b) 40000 1 2 3 (meses)
1,433.12 1,433.12 1,433.12
Interpolación lineali Rojito
3% 4053.74 3% 4,053.744% 3977.04 ? 4,000.00
4% 3,977.04
TCEM 3.70% ? - 3 = 4000 - 4053.74TCEA 54.65% 4 - 3 3977.04 - 4053.74
c) 40000 1 2 3 (meses)
130 1,414.12 1,414.12 1,414.12
Interpolación lineali Rojito
4% 4054.31 4% 4,054.315% 3981.00 ? 4,000.00
5% 3,981.00
TCEM 4.7408% ? - 4 = 4000 - 4054.31
4000 = 1433.12*FAS(i;3)
4000 = 130 + 1414.12*FAS(i;3)
Un préstamo de S/. 4,000 se va a cancelar en 3 cuotas mensuales mediante la modalidad francesa a la TNA del 36% convertible mensualmente. Determinar la TCEA si:a) No se considera sobrecosto alguno.b) Se pagan comisones por mantenimiento de cuenta de S/. 7 cada mes y seguro de S/. 12 mensuales.c) Una comisión de desembolso de S/. 130.d) b y c a la vez.
854) Un crédito de S/. 20,000 se va a cancelar en 4 pagos trimestrales iguales, a cada cuota se le agregará S/. 10 de portes y S/. 8 por mantenimiento de cuenta, además se cobra por tasación (al inicio de la operación) el 4% del importe del crédito. Determinar la TCEA si la TEM es del 3%
855) Un crédito de S/. 6,000 se va a cancelar en 5 cuotas mensuales iguales a la TEM 1.5%, a la cuota se agregarán portes de S/. 8 y comisión por mantenimiento de S/. 6, se ha acordado pagar la tasación del 3% con la última cuota. Determinar la TCEA
TCEA 74.34% 5 - 4=
3981.00 - 4054.31
Trim Flujo1 2 3 4 (trimestres) 0 -19200
6,228 6,228 6,228 6,228 1 6,228TET 9.2727% 2 6,228
P = VA*FRC S/.6,210.37 3 6,228Portes S/.10.00 TET Rojito 4 6,228Mto.Cuenta S/.8.00 11% 20,123.16
S/.6,228.37 ? 20,000.00 TCET 11.3001%12% 19,717.72 TCEA 53.46%
? - 11% = 20,000-20,123.16 ? = TCET 11.3038%12% -11% 19,717.72-20,123.16 TCEA 53.48%
P S/.1,254.54 Mes FlujoPortes S/.8.00 0 S/.-6,000.00Mto S/.6.00 1 S/.1,268.54
S/.1,268.54 2 S/.1,268.543 S/.1,268.54
6000 = 1268.54*FAS(TEM;5) + 180*FSA(TEM;5) 4 S/.1,268.546000 = 1268.54*FAS(TEM;4) + 1,448.54*FSA(TEM 5 S/.1,448.54
TCEM 2.80%TCEA 39.26%
20000 = 800 + 6228.37*FAS(TET;4)
854) Un crédito de S/. 20,000 se va a cancelar en 4 pagos trimestrales iguales, a cada cuota se le agregará S/. 10 de portes y S/. 8 por mantenimiento de cuenta, además se cobra por tasación (al inicio de la operación) el 4% del importe del crédito. Determinar la TCEA si la TEM es del 3%
855) Un crédito de S/. 6,000 se va a cancelar en 5 cuotas mensuales iguales a la TEM 1.5%, a la cuota se agregarán portes de S/. 8 y comisión por mantenimiento de S/. 6, se ha acordado pagar la tasación del 3% con la última cuota. Determinar la TCEA
VA 4,700.00 Cuota simple S/. 997.14 VA 17,000.00n(meses) 5 Portes y Com. 17 n(meses) 8
TEM 2% S/. 1,014.14 TEM 2.7%Portes 7 Portes 9
Comisión 10 Mes Flujo Comisión 70 -4,700.001 1,014.14
TCEM 2.5853% 2 1,014.14 TCEM 2.8573%TCEA 35.84% 3 1,014.14 TCEA 40.22%
4 1,014.145 1,014.14
Un préstamo de S/. 4,700 se va a cancelar en 5 pagos mensuales iguales a la TEM del 2%. Si a cada pago se agregan portes de S/. 7 y una comisión por mantenimiento de cuenta de S/. 10, encontrar la TCEA del crédito.
Determine la TCEA para un préstamo de S/. 17,000 que se pagará en 8 cuotas uniformes cada mes, la TEM de la operación es del 2.7% y se cobran portes de S/. 9 y una comisión de mantenimiento de S/. 7 los cuales se pagarán conjuntamente con cada cuota
Cuota simple S/. 2,391.21Portes S/. 9.00 VA 8,000 Com.por desembolsoMto S/. 7.00 TEM 2.50%
S/. 2,407.21 n(m) 8 Cuota S/.1,115.74Portes 8 Portes S/.8.00
Mes Flujo Mto 12 Mto S/.12.000 S/. -17,000.00 Comis. 2% Pago Total S/.1,135.741 S/. 2,407.212 S/. 2,407.21 TCEM 3.40% Mes3 S/. 2,407.21 TCEA 49.35% 04 S/. 2,407.21 15 S/. 2,407.21 26 S/. 2,407.21 37 S/. 2,407.21 48 S/. 2,407.21 5
678
Determine la TCEA para un préstamo de S/. 17,000 que se pagará en 8 cuotas uniformes cada mes, la TEM de la operación es del 2.7% y se cobran portes de S/. 9 y una comisión de mantenimiento de S/. 7 los cuales se pagarán conjuntamente con cada cuota
Un crédito de S/. 8,000 se va a cancelar en 8 pagos mensuales en la modalidad francesa a la TEM del 2.5%, si a cada pago se le adiciona portes de S/. 8 y mantenimiento de cuenta mensual de S/. 12 y además se cobra una comisión por desembolso del 2% sobre el importe del crédito solicitado. Determinar la TCEA.
160 VA 5,800 Cuota S/.1,541.74 VATEM 2.50% Portes S/.7.00 TEMn(m) 4 Mto S/.13.00 n(m)
Portes 7 Pago Total S/.1,561.74 PortesMto 13 Mto
Comis. 100 Mes Flujo Comis.0 -5700.00
Flujo TCEM 3.7687% 1 1561.74 TCEM-7840.00 TCEA 55.88% 2 1561.74 TCEA1135.74 3 1561.741135.74 4 1561.741135.741135.741135.741135.741135.741135.74
Un crédito de S/. 8,000 se va a cancelar en 8 pagos mensuales en la modalidad francesa a la TEM del 2.5%, si a cada pago se le adiciona portes de S/. 8 y mantenimiento de cuenta mensual de S/. 12 y además se cobra una comisión por desembolso del 2% sobre el importe del crédito solicitado. Determinar la TCEA.
Un préstamo de S/. 5,800 se va a cancelar en 4 cuotas mensuales iguales a la TEM del 2.5% a las cuales se agregarán portes de S/. 7 y gastos por mantenimiento de cuenta de S/. 13. Si se cobra una comisión por desembolso fija de S/. 100, determinar la TCEA.
Un préstamo de S/. 8,500 se va a cancelar en 6 cuotas mensuales iguales a la TEM del 3.5% a las cuales se agregarán portes de S/. 17 y gastos por mantenimiento de cuenta de S/. 11. Si se cobra una comisión por desembolso del 5% del importe del crédito que se pagará con la última cuota, determinar la TCEA
8,500 Pago S/.1,595.183.50% Portes S/.17.00
6 Mto S/.11.0017 Pago Total S/.1,623.18115% S/.425.00
Mes Flujo5.1995% 0 -8500.0083.72% 1 1623.18
2 1623.183 1623.184 1623.185 1623.186 2048.18
Un préstamo de S/. 8,500 se va a cancelar en 6 cuotas mensuales iguales a la TEM del 3.5% a las cuales se agregarán portes de S/. 17 y gastos por mantenimiento de cuenta de S/. 11. Si se cobra una comisión por desembolso del 5% del importe del crédito que se pagará con la última cuota, determinar la TCEA
Valor de la casa 140,000 Portes 12Financiamiento 112,000 Seg.Desg. 0.025%
TEM 1.87693% Seg.Inmob. 0.085%17
Periodo Interés Amortiz. Seg.Desg. Seg. Inmob. Portes Cuota Total01 2,102 21,575 28 119 12 23,8252 1,697 21,980 23 119 12 23,8253 1,285 22,392 17 119 12 23,8254 864 22,813 12 119 12 23,8255 436 23,241 6 119 12 23,825
17 Interés Amort. Cuota Saldo Seg.Desg. Seg.Inmob. Portes
112,0002,102 21,575 23,677 90,425 28.00 119.00 12.001,697 21,980 23,677 68,446 22.61 119.00 12.001,285 22,392 23,677 46,053 17.11 119.00 12.00864 22,813 23,677 23,241 11.51 119.00 12.00436 23,241 23,677 0 5.81 119.00 12.00
Camilo desea comprar una casa valorizada en US$ 140,000 para lo cual solicita un crédito hipotecario; la entidad financiera con la que trabajará indica que puede financiar hasta el 80% del valor del inmueble, la TEA es del 25%, se cobra portes de US$ 12, seguro de desgravamen del préstamo de 0.025% y seguro de la propiedad del 0.085%. El préstamo se pagará en 5 cuotas mensuales, hallar la TCEA.
n 5 Valor de la casa 80,000 Portes 7Cuota 23,677 Financiamiento 60,000 Seg.Desg. 0.035%TCEM 2.09% TEM 1.09789% Seg.Inmob. 0.092%TCEA 28.20% 14 Saldo Flujo Periodo Interés Amortiz. Seg.Desg. Seg. Inmob. Portes
112,000 -112,000 090,425 23,825 1 $658.73 $107.32 $21.00 $73.60 $7.00 68,446 23,825 2 $657.55 $108.50 $20.96 $73.60 $7.00 46,053 23,825 3 $656.36 $109.69 $20.92 $73.60 $7.00 23,241 23,825 4 $655.16 $110.89 $20.89 $73.60 $7.00
0 23,825 5 $653.94 $112.11 $20.85 $73.60 $7.00 6 $652.71 $113.34 $20.81 $73.60 $7.00 7 $651.46 $114.59 $20.77 $73.60 $7.00
Cuota.Tot. Flujo 8 $650.21 $115.85 $20.73 $73.60 $7.00 -112,000 9 $648.93 $117.12 $20.69 $73.60 $7.00
23,825 23,825 10 $647.65 $118.40 $20.65 $73.60 $7.00 23,825 23,825 11 $646.35 $119.70 $20.61 $73.60 $7.00 23,825 23,825 12 $645.03 $121.02 $20.56 $73.60 $7.00 23,825 23,825 13 $643.71 $122.35 $20.52 $73.60 $7.00 23,825 23,825 14 $642.36 $123.69 $20.48 $73.60 $7.00
15 $641.00 $125.05 $20.43 $73.60 $7.00 16 $639.63 $126.42 $20.39 $73.60 $7.00 17 $638.24 $127.81 $20.35 $73.60 $7.00 18 $636.84 $129.21 $20.30 $73.60 $7.00 19 $635.42 $130.63 $20.26 $73.60 $7.00 20 $633.99 $132.06 $20.21 $73.60 $7.00 21 $632.54 $133.51 $20.16 $73.60 $7.00 22 $631.07 $134.98 $20.12 $73.60 $7.00 23 $629.59 $136.46 $20.07 $73.60 $7.00 24 $628.09 $137.96 $20.02 $73.60 $7.00 25 $626.58 $139.47 $19.97 $73.60 $7.00 26 $625.05 $141.01 $19.93 $73.60 $7.00 27 $623.50 $142.55 $19.88 $73.60 $7.00 28 $621.93 $144.12 $19.83 $73.60 $7.00 29 $620.35 $145.70 $19.78 $73.60 $7.00 30 $618.75 $147.30 $19.73 $73.60 $7.00 31 $617.13 $148.92 $19.67 $73.60 $7.00 32 $615.50 $150.55 $19.62 $73.60 $7.00 33 $613.85 $152.21 $19.57 $73.60 $7.00
Camilo desea comprar una casa valorizada en US$ 140,000 para lo cual solicita un crédito hipotecario; la entidad financiera con la que trabajará indica que puede financiar hasta el 80% del valor del inmueble, la TEA es del 25%, se cobra portes de US$ 12, seguro de desgravamen del préstamo de 0.025% y seguro de la propiedad del 0.085%. El préstamo se pagará en 5 cuotas mensuales, hallar la TCEA.
Petunia se quiere comprar una casa valorizada en US$ 80,000 para lo cual solicita un crédito hipotecario; la entidad bancaria con la que trabajará indica que puede financiar hasta el 75% del valor del inmueble, la TEA es del 14%, se cobra portes de US$ 7, seguro de desgravamen del préstamo de 0.035% y seguro de la propiedad del 0.092%. El préstamo se pagará en cuotas mensuales durante 15 años, hallar la TCEA.
34 $612.18 $153.88 $19.52 $73.60 $7.00 35 $610.49 $155.57 $19.46 $73.60 $7.00 36 $608.78 $157.27 $19.41 $73.60 $7.00 37 $607.05 $159.00 $19.35 $73.60 $7.00 38 $605.31 $160.75 $19.30 $73.60 $7.00 39 $603.54 $162.51 $19.24 $73.60 $7.00 40 $601.76 $164.30 $19.18 $73.60 $7.00 41 $599.95 $166.10 $19.13 $73.60 $7.00 42 $598.13 $167.92 $19.07 $73.60 $7.00 43 $596.29 $169.77 $19.01 $73.60 $7.00 44 $594.42 $171.63 $18.95 $73.60 $7.00 45 $592.54 $173.51 $18.89 $73.60 $7.00 46 $590.63 $175.42 $18.83 $73.60 $7.00 47 $588.71 $177.35 $18.77 $73.60 $7.00 48 $586.76 $179.29 $18.71 $73.60 $7.00 49 $584.79 $181.26 $18.64 $73.60 $7.00 50 $582.80 $183.25 $18.58 $73.60 $7.00 51 $580.79 $185.26 $18.52 $73.60 $7.00 52 $578.76 $187.30 $18.45 $73.60 $7.00 53 $576.70 $189.35 $18.38 $73.60 $7.00 54 $574.62 $191.43 $18.32 $73.60 $7.00 55 $572.52 $193.53 $18.25 $73.60 $7.00 56 $570.39 $195.66 $18.18 $73.60 $7.00 57 $568.25 $197.81 $18.12 $73.60 $7.00 58 $566.07 $199.98 $18.05 $73.60 $7.00 59 $563.88 $202.17 $17.98 $73.60 $7.00 60 $561.66 $204.39 $17.91 $73.60 $7.00 61 $559.41 $206.64 $17.83 $73.60 $7.00 62 $557.15 $208.91 $17.76 $73.60 $7.00 63 $554.85 $211.20 $17.69 $73.60 $7.00 64 $552.53 $213.52 $17.61 $73.60 $7.00 65 $550.19 $215.86 $17.54 $73.60 $7.00 66 $547.82 $218.23 $17.46 $73.60 $7.00 67 $545.42 $220.63 $17.39 $73.60 $7.00 68 $543.00 $223.05 $17.31 $73.60 $7.00 69 $540.55 $225.50 $17.23 $73.60 $7.00 70 $538.08 $227.98 $17.15 $73.60 $7.00 71 $535.57 $230.48 $17.07 $73.60 $7.00 72 $533.04 $233.01 $16.99 $73.60 $7.00 73 $530.49 $235.57 $16.91 $73.60 $7.00 74 $527.90 $238.15 $16.83 $73.60 $7.00 75 $525.28 $240.77 $16.75 $73.60 $7.00 76 $522.64 $243.41 $16.66 $73.60 $7.00 77 $519.97 $246.08 $16.58 $73.60 $7.00 78 $517.27 $248.79 $16.49 $73.60 $7.00
79 $514.54 $251.52 $16.40 $73.60 $7.00 80 $511.77 $254.28 $16.32 $73.60 $7.00 81 $508.98 $257.07 $16.23 $73.60 $7.00 82 $506.16 $259.89 $16.14 $73.60 $7.00 83 $503.31 $262.75 $16.05 $73.60 $7.00 84 $500.42 $265.63 $15.95 $73.60 $7.00 85 $497.51 $268.55 $15.86 $73.60 $7.00 86 $494.56 $271.49 $15.77 $73.60 $7.00 87 $491.58 $274.48 $15.67 $73.60 $7.00 88 $488.56 $277.49 $15.58 $73.60 $7.00 89 $485.52 $280.54 $15.48 $73.60 $7.00 90 $482.44 $283.62 $15.38 $73.60 $7.00 91 $479.32 $286.73 $15.28 $73.60 $7.00 92 $476.18 $289.88 $15.18 $73.60 $7.00 93 $472.99 $293.06 $15.08 $73.60 $7.00 94 $469.78 $296.28 $14.98 $73.60 $7.00 95 $466.52 $299.53 $14.87 $73.60 $7.00 96 $463.23 $302.82 $14.77 $73.60 $7.00 97 $459.91 $306.14 $14.66 $73.60 $7.00 98 $456.55 $309.50 $14.55 $73.60 $7.00 99 $453.15 $312.90 $14.45 $73.60 $7.00
100 $449.71 $316.34 $14.34 $73.60 $7.00 101 $446.24 $319.81 $14.23 $73.60 $7.00 102 $442.73 $323.32 $14.11 $73.60 $7.00 103 $439.18 $326.87 $14.00 $73.60 $7.00 104 $435.59 $330.46 $13.89 $73.60 $7.00 105 $431.96 $334.09 $13.77 $73.60 $7.00 106 $428.30 $337.76 $13.65 $73.60 $7.00 107 $424.59 $341.46 $13.54 $73.60 $7.00 108 $420.84 $345.21 $13.42 $73.60 $7.00 109 $417.05 $349.00 $13.30 $73.60 $7.00 110 $413.22 $352.83 $13.17 $73.60 $7.00 111 $409.34 $356.71 $13.05 $73.60 $7.00 112 $405.43 $360.62 $12.92 $73.60 $7.00 113 $401.47 $364.58 $12.80 $73.60 $7.00 114 $397.47 $368.59 $12.67 $73.60 $7.00 115 $393.42 $372.63 $12.54 $73.60 $7.00 116 $389.33 $376.72 $12.41 $73.60 $7.00 117 $385.19 $380.86 $12.28 $73.60 $7.00 118 $381.01 $385.04 $12.15 $73.60 $7.00 119 $376.78 $389.27 $12.01 $73.60 $7.00 120 $372.51 $393.54 $11.88 $73.60 $7.00 121 $368.19 $397.86 $11.74 $73.60 $7.00 122 $363.82 $402.23 $11.60 $73.60 $7.00 123 $359.40 $406.65 $11.46 $73.60 $7.00
124 $354.94 $411.11 $11.32 $73.60 $7.00 125 $350.43 $415.63 $11.17 $73.60 $7.00 126 $345.86 $420.19 $11.03 $73.60 $7.00 127 $341.25 $424.80 $10.88 $73.60 $7.00 128 $336.59 $429.47 $10.73 $73.60 $7.00 129 $331.87 $434.18 $10.58 $73.60 $7.00 130 $327.10 $438.95 $10.43 $73.60 $7.00 131 $322.29 $443.77 $10.27 $73.60 $7.00 132 $317.41 $448.64 $10.12 $73.60 $7.00 133 $312.49 $453.56 $9.96 $73.60 $7.00 134 $307.51 $458.54 $9.80 $73.60 $7.00 135 $302.47 $463.58 $9.64 $73.60 $7.00 136 $297.38 $468.67 $9.48 $73.60 $7.00 137 $292.24 $473.81 $9.32 $73.60 $7.00 138 $287.04 $479.02 $9.15 $73.60 $7.00 139 $281.78 $484.27 $8.98 $73.60 $7.00 140 $276.46 $489.59 $8.81 $73.60 $7.00 141 $271.09 $494.97 $8.64 $73.60 $7.00 142 $265.65 $500.40 $8.47 $73.60 $7.00 143 $260.16 $505.89 $8.29 $73.60 $7.00 144 $254.60 $511.45 $8.12 $73.60 $7.00 145 $248.99 $517.06 $7.94 $73.60 $7.00 146 $243.31 $522.74 $7.76 $73.60 $7.00 147 $237.57 $528.48 $7.57 $73.60 $7.00 148 $231.77 $534.28 $7.39 $73.60 $7.00 149 $225.91 $540.15 $7.20 $73.60 $7.00 150 $219.97 $546.08 $7.01 $73.60 $7.00 151 $213.98 $552.07 $6.82 $73.60 $7.00 152 $207.92 $558.13 $6.63 $73.60 $7.00 153 $201.79 $564.26 $6.43 $73.60 $7.00 154 $195.60 $570.46 $6.24 $73.60 $7.00 155 $189.33 $576.72 $6.04 $73.60 $7.00 156 $183.00 $583.05 $5.83 $73.60 $7.00 157 $176.60 $589.45 $5.63 $73.60 $7.00 158 $170.13 $595.92 $5.42 $73.60 $7.00 159 $163.59 $602.47 $5.22 $73.60 $7.00 160 $156.97 $609.08 $5.00 $73.60 $7.00 161 $150.28 $615.77 $4.79 $73.60 $7.00 162 $143.52 $622.53 $4.58 $73.60 $7.00 163 $136.69 $629.36 $4.36 $73.60 $7.00 164 $129.78 $636.27 $4.14 $73.60 $7.00 165 $122.79 $643.26 $3.91 $73.60 $7.00 166 $115.73 $650.32 $3.69 $73.60 $7.00 167 $108.59 $657.46 $3.46 $73.60 $7.00 168 $101.37 $664.68 $3.23 $73.60 $7.00
169 $94.08 $671.98 $3.00 $73.60 $7.00 170 $86.70 $679.35 $2.76 $73.60 $7.00 171 $79.24 $686.81 $2.53 $73.60 $7.00 172 $71.70 $694.35 $2.29 $73.60 $7.00 173 $64.08 $701.98 $2.04 $73.60 $7.00 174 $56.37 $709.68 $1.80 $73.60 $7.00 175 $48.58 $717.47 $1.55 $73.60 $7.00 176 $40.70 $725.35 $1.30 $73.60 $7.00 177 $32.74 $733.31 $1.04 $73.60 $7.00 178 $24.69 $741.37 $0.79 $73.60 $7.00 179 $16.55 $749.50 $0.53 $73.60 $7.00 180 $8.32 $757.73 $0.27 $73.60 $7.00
∑ $77,889.42 $60,000.00 $2,483.07 $13,248.00 $1,260.00 Interés Amortiz. Seg.Desg. Seg. Inmob. Portes
n 180Cuota 766 TCEM 1.29%TCEA 0.16651435
Cuota Total Saldo Flujo$60,000 -$60,000 Valor Vehículo $25,000 TEM
$860.45 $59,893 $860 % Financ. 90% n(meses)$860.45 $59,784 $860 Préstamo $22,500 Pago$860.45 $59,674 $860 8.18$860.45 $59,564 $860 Periodo Interés Amort. Seg.Desg.$860.45 $59,451 $860 0$860.45 $59,338 $860 1 $328.54 $326.79 $14.40 $860.45 $59,224 $860 2 $323.77 $331.56 $14.19 $860.45 $59,108 $860 3 $318.92 $336.41 $13.98 $860.45 $58,991 $860 4 $314.01 $341.32 $13.76 $860.45 $58,872 $860 5 $309.03 $346.30 $13.54 $860.45 $58,752 $860 6 $303.97 $351.36 $13.32 $860.45 $58,631 $860 7 $298.84 $356.49 $13.10 $860.45 $58,509 $860 8 $293.64 $361.69 $12.87 $860.45 $58,385 $860 9 $288.36 $366.98 $12.64 $860.45 $58,260 $860 10 $283.00 $372.33 $12.40 $860.45 $58,134 $860 11 $277.56 $377.77 $12.17 $860.45 $58,006 $860 12 $272.04 $383.29 $11.92 $860.45 $57,877 $860 13 $266.45 $388.88 $11.68 $860.45 $57,746 $860 14 $260.77 $394.56 $11.43 $860.45 $57,614 $860 15 $255.01 $400.32 $11.18 $860.45 $57,481 $860 16 $249.16 $406.17 $10.92 $860.45 $57,346 $860 17 $243.23 $412.10 $10.66 $860.45 $57,209 $860 18 $237.21 $418.12 $10.40 $860.45 $57,071 $860 19 $231.11 $424.22 $10.13 $860.45 $56,932 $860 20 $224.91 $430.42 $9.86 $860.45 $56,791 $860 21 $218.63 $436.70 $9.58 $860.45 $56,648 $860 22 $212.25 $443.08 $9.30 $860.45 $56,504 $860 23 $205.78 $449.55 $9.02 $860.45 $56,358 $860 24 $199.22 $456.11 $8.73 $860.45 $56,211 $860 25 $192.56 $462.77 $8.44 $860.45 $56,062 $860 26 $185.80 $469.53 $8.14 $860.45 $55,912 $860 27 $178.95 $476.38 $7.84 $860.45 $55,759 $860 28 $171.99 $483.34 $7.54
Petunia se quiere comprar una casa valorizada en US$ 80,000 para lo cual solicita un crédito hipotecario; la entidad bancaria con la que trabajará indica que puede financiar hasta el 75% del valor del inmueble, la TEA es del 14%, se cobra portes de US$ 7, seguro de desgravamen del préstamo de 0.035% y seguro de la propiedad del 0.092%. El préstamo se pagará en cuotas mensuales durante 15 años, hallar la TCEA.
Mr. Dota se quiere comprar un auto valorizado en US$ 25,000 para lo cual requerirá un préstamo del Banco IFB; las condiciones son las siguientes:- TEA = 19%- Financiamiento del 90%- Plazo = 4 años- Pago en cuotas mensuales iguales cada 30 días- Seguro de desgravamen = 0.064%- Seguro vehicular = 0.05%- Portes y otros gastos = US$ 12Determinar la TCEA del crédito vehicular
$860.45 $55,606 $860 29 $164.93 $490.40 $7.23 $860.45 $55,450 $860 30 $157.77 $497.56 $6.92 $860.45 $55,293 $860 31 $150.51 $504.82 $6.60 $860.45 $55,134 $860 32 $143.14 $512.20 $6.27 $860.45 $54,973 $860 33 $135.66 $519.67 $5.95 $860.45 $54,811 $860 34 $128.07 $527.26 $5.61 $860.45 $54,646 $860 35 $120.37 $534.96 $5.28 $860.45 $54,480 $860 36 $112.56 $542.77 $4.93 $860.45 $54,312 $860 37 $104.63 $550.70 $4.59 $860.45 $54,142 $860 38 $96.59 $558.74 $4.23 $860.45 $53,971 $860 39 $88.43 $566.90 $3.88 $860.45 $53,797 $860 40 $80.16 $575.18 $3.51 $860.45 $53,622 $860 41 $71.76 $583.57 $3.15 $860.45 $53,445 $860 42 $63.24 $592.10 $2.77 $860.45 $53,265 $860 43 $54.59 $600.74 $2.39 $860.45 $53,084 $860 44 $45.82 $609.51 $2.01 $860.45 $52,901 $860 45 $36.92 $618.41 $1.62 $860.45 $52,715 $860 46 $27.89 $627.44 $1.22 $860.45 $52,528 $860 47 $18.73 $636.60 $0.82 $860.45 $52,339 $860 48 $9.43 $645.90 $0.41 $860.45 $52,147 $860 $8,955.89 $22,500.00 $392.54 $860.45 $51,954 $860 $860.45 $51,758 $860 $860.45 $51,560 $860 $860.45 $51,360 $860 $860.45 $51,158 $860 $860.45 $50,954 $860 $860.45 $50,747 $860 $860.45 $50,538 $860 $860.45 $50,327 $860 $860.45 $50,114 $860 $860.45 $49,898 $860 $860.45 $49,679 $860 $860.45 $49,459 $860 $860.45 $49,236 $860 $860.45 $49,010 $860 $860.45 $48,782 $860 $860.45 $48,552 $860 $860.45 $48,319 $860 $860.45 $48,083 $860 $860.45 $47,845 $860 $860.45 $47,604 $860 $860.45 $47,361 $860 $860.45 $47,115 $860 $860.45 $46,866 $860
$860.45 $46,615 $860 $860.45 $46,360 $860 $860.45 $46,103 $860 $860.45 $45,843 $860 $860.45 $45,581 $860 $860.45 $45,315 $860 $860.45 $45,046 $860 $860.45 $44,775 $860 $860.45 $44,500 $860 $860.45 $44,223 $860 $860.45 $43,942 $860 $860.45 $43,659 $860 $860.45 $43,372 $860 $860.45 $43,082 $860 $860.45 $42,789 $860 $860.45 $42,493 $860 $860.45 $42,193 $860 $860.45 $41,890 $860 $860.45 $41,584 $860 $860.45 $41,275 $860 $860.45 $40,962 $860 $860.45 $40,646 $860 $860.45 $40,326 $860 $860.45 $40,002 $860 $860.45 $39,676 $860 $860.45 $39,345 $860 $860.45 $39,011 $860 $860.45 $38,673 $860 $860.45 $38,332 $860 $860.45 $37,987 $860 $860.45 $37,638 $860 $860.45 $37,285 $860 $860.45 $36,928 $860 $860.45 $36,567 $860 $860.45 $36,203 $860 $860.45 $35,834 $860 $860.45 $35,462 $860 $860.45 $35,085 $860 $860.45 $34,704 $860 $860.45 $34,319 $860 $860.45 $33,930 $860 $860.45 $33,536 $860 $860.45 $33,138 $860 $860.45 $32,736 $860 $860.45 $32,329 $860
$860.45 $31,918 $860 $860.45 $31,503 $860 $860.45 $31,083 $860 $860.45 $30,658 $860 $860.45 $30,228 $860 $860.45 $29,794 $860 $860.45 $29,355 $860 $860.45 $28,911 $860 $860.45 $28,463 $860 $860.45 $28,009 $860 $860.45 $27,551 $860 $860.45 $27,087 $860 $860.45 $26,618 $860 $860.45 $26,145 $860 $860.45 $25,666 $860 $860.45 $25,181 $860 $860.45 $24,692 $860 $860.45 $24,197 $860 $860.45 $23,696 $860 $860.45 $23,190 $860 $860.45 $22,679 $860 $860.45 $22,162 $860 $860.45 $21,639 $860 $860.45 $21,111 $860 $860.45 $20,576 $860 $860.45 $20,036 $860 $860.45 $19,490 $860 $860.45 $18,938 $860 $860.45 $18,380 $860 $860.45 $17,816 $860 $860.45 $17,245 $860 $860.45 $16,669 $860 $860.45 $16,085 $860 $860.45 $15,496 $860 $860.45 $14,900 $860 $860.45 $14,298 $860 $860.45 $13,689 $860 $860.45 $13,073 $860 $860.45 $12,450 $860 $860.45 $11,821 $860 $860.45 $11,185 $860 $860.45 $10,541 $860 $860.45 $9,891 $860 $860.45 $9,234 $860 $860.45 $8,569 $860
$860.45 $7,897 $860 $860.45 $7,218 $860 $860.45 $6,531 $860 $860.45 $5,836 $860 $860.45 $5,134 $860 $860.45 $4,425 $860 $860.45 $3,707 $860 $860.45 $2,982 $860 $860.45 $2,249 $860 $860.45 $1,507 $860 $860.45 $758 $860 $860.45 $0 $860
###Cuota Total
1.4602% Seg.Desg. 0.064% Valor Vehículo48 Seg.Vehic. 0.050% TCEM 1.6898% % Financ.
$655.33 Portes+otros 12 TCEA 22.27% Préstamo
Seg.Veh. Portes+otros Cuota Total Saldo Flujo Periodo Interés$22,500.00 -$22,500 0
$12.50 $12.00 $688.01 $22,173.21 $688.01 1 $287.02 $12.50 $12.00 $688.01 $21,841.64 $688.01 2 $276.59 $12.50 $12.00 $688.01 $21,505.24 $688.01 3 $266.04 $12.50 $12.00 $688.01 $21,163.92 $688.01 4 $255.37 $12.50 $12.00 $688.01 $20,817.62 $688.01 5 $244.57 $12.50 $12.00 $688.01 $20,466.26 $688.01 6 $233.65 $12.50 $12.00 $688.01 $20,109.77 $688.01 7 $222.60 $12.50 $12.00 $688.01 $19,748.07 $688.01 8 $211.42 $12.50 $12.00 $688.01 $19,381.10 $688.01 9 $200.11 $12.50 $12.00 $688.01 $19,008.76 $688.01 10 $188.66 $12.50 $12.00 $688.01 $18,630.99 $688.01 11 $177.08 $12.50 $12.00 $688.01 $18,247.70 $688.01 12 $165.37 $12.50 $12.00 $688.01 $17,858.82 $688.01 13 $153.52 $12.50 $12.00 $688.01 $17,464.26 $688.01 14 $141.53 $12.50 $12.00 $688.01 $17,063.93 $688.01 15 $129.40 $12.50 $12.00 $688.01 $16,657.77 $688.01 16 $117.13 $12.50 $12.00 $688.01 $16,245.67 $688.01 17 $104.71 $12.50 $12.00 $688.01 $15,827.55 $688.01 18 $92.15 $12.50 $12.00 $688.01 $15,403.33 $688.01 19 $79.44 $12.50 $12.00 $688.01 $14,972.91 $688.01 20 $66.58 $12.50 $12.00 $688.01 $14,536.21 $688.01 21 $53.57 $12.50 $12.00 $688.01 $14,093.13 $688.01 22 $40.41 $12.50 $12.00 $688.01 $13,643.58 $688.01 23 $27.10 $12.50 $12.00 $688.01 $13,187.47 $688.01 24 $13.63 $12.50 $12.00 $688.01 $12,724.70 $688.01 ∑ $3,747.66 $12.50 $12.00 $688.01 $12,255.17 $688.01 $12.50 $12.00 $688.01 $11,778.79 $688.01 $12.50 $12.00 $688.01 $11,295.44 $688.01
Mr. Dota se quiere comprar un auto valorizado en US$ 25,000 para lo cual requerirá un préstamo del Banco IFB; las condiciones son las siguientes:- TEA = 19%- Financiamiento del 90%- Plazo = 4 años- Pago en cuotas mensuales iguales cada 30 días- Seguro de desgravamen = 0.064%- Seguro vehicular = 0.05%- Portes y otros gastos = US$ 12Determinar la TCEA del crédito vehicular
Elmerin se quiere comprar un auto valorizado en US$ 35,000 para lo cual requerirá un préstamo del Banco IFB; las condiciones son las siguientes:- TEA = 15%- Financiamiento del 70%- Plazo = 2 años- Pago en cuotas mensuales iguales cada 30 días- Seguro de desgravamen = 0.071%- Seguro vehicular = 0.065%- Portes y otros gastos = US$ 17Determinar la TCEA del crédito vehicular
$12.50 $12.00 $688.01 $10,805.05 $688.01 $12.50 $12.00 $688.01 $10,307.49 $688.01 $12.50 $12.00 $688.01 $9,802.66 $688.01 $12.50 $12.00 $688.01 $9,290.47 $688.01 $12.50 $12.00 $688.01 $8,770.79 $688.01 $12.50 $12.00 $688.01 $8,243.53 $688.01 $12.50 $12.00 $688.01 $7,708.57 $688.01 $12.50 $12.00 $688.01 $7,165.80 $688.01 $12.50 $12.00 $688.01 $6,615.10 $688.01 $12.50 $12.00 $688.01 $6,056.36 $688.01 $12.50 $12.00 $688.01 $5,489.46 $688.01 $12.50 $12.00 $688.01 $4,914.28 $688.01 $12.50 $12.00 $688.01 $4,330.71 $688.01 $12.50 $12.00 $688.01 $3,738.61 $688.01 $12.50 $12.00 $688.01 $3,137.87 $688.01 $12.50 $12.00 $688.01 $2,528.36 $688.01 $12.50 $12.00 $688.01 $1,909.95 $688.01 $12.50 $12.00 $688.01 $1,282.50 $688.01 $12.50 $12.00 $688.01 $645.90 $688.01 $12.50 $12.00 $688.01 $0.00 $688.01
$600.00 $576.00 $33,024.43
$35,000 TEM 1.1715% Seg.Desg. 0.071%70% n(meses) 24 Seg.Vehic. 0.065% TCEM 1.5215%
$24,500 Pago $1,176.99 Portes+otros 17 TCEA 19.8664%9.46
Amort. Seg.Desg. Seg.Veh. Portes+otros Cuota Total Saldo Flujo$24,500.00 -$24,500.00
$889.97 $17.40 $22.75 $17.00 $1,226.20 $23,610.03 $1,226.20 $900.40 $16.76 $22.75 $17.00 $1,226.20 $22,709.63 $1,226.20 $910.94 $16.12 $22.75 $17.00 $1,226.20 $21,798.69 $1,226.20 $921.62 $15.48 $22.75 $17.00 $1,226.20 $20,877.07 $1,226.20 $932.41 $14.82 $22.75 $17.00 $1,226.20 $19,944.66 $1,226.20 $943.34 $14.16 $22.75 $17.00 $1,226.20 $19,001.32 $1,226.20 $954.39 $13.49 $22.75 $17.00 $1,226.20 $18,046.94 $1,226.20 $965.57 $12.81 $22.75 $17.00 $1,226.20 $17,081.37 $1,226.20 $976.88 $12.13 $22.75 $17.00 $1,226.20 $16,104.49 $1,226.20 $988.32 $11.43 $22.75 $17.00 $1,226.20 $15,116.17 $1,226.20 $999.90 $10.73 $22.75 $17.00 $1,226.20 $14,116.27 $1,226.20
$1,011.62 $10.02 $22.75 $17.00 $1,226.20 $13,104.65 $1,226.20 $1,023.47 $9.30 $22.75 $17.00 $1,226.20 $12,081.19 $1,226.20 $1,035.46 $8.58 $22.75 $17.00 $1,226.20 $11,045.73 $1,226.20 $1,047.59 $7.84 $22.75 $17.00 $1,226.20 $9,998.14 $1,226.20 $1,059.86 $7.10 $22.75 $17.00 $1,226.20 $8,938.28 $1,226.20 $1,072.27 $6.35 $22.75 $17.00 $1,226.20 $7,866.01 $1,226.20 $1,084.84 $5.58 $22.75 $17.00 $1,226.20 $6,781.17 $1,226.20 $1,097.55 $4.81 $22.75 $17.00 $1,226.20 $5,683.63 $1,226.20 $1,110.40 $4.04 $22.75 $17.00 $1,226.20 $4,573.23 $1,226.20 $1,123.41 $3.25 $22.75 $17.00 $1,226.20 $3,449.82 $1,226.20 $1,136.57 $2.45 $22.75 $17.00 $1,226.20 $2,313.24 $1,226.20 $1,149.89 $1.64 $22.75 $17.00 $1,226.20 $1,163.36 $1,226.20 $1,163.36 $0.83 $22.75 $17.00 $1,226.20 $0.00 $1,226.20
$24,500.00 $227.13 $546.00 $408.00 $29,428.79 ###
Elmerin se quiere comprar un auto valorizado en US$ 35,000 para lo cual requerirá un préstamo del Banco IFB; las condiciones son las siguientes:- TEA = 15%- Financiamiento del 70%- Plazo = 2 años- Pago en cuotas mensuales iguales cada 30 días- Seguro de desgravamen = 0.071%- Seguro vehicular = 0.065%- Portes y otros gastos = US$ 17Determinar la TCEA del crédito vehicular
CRONOGRAMA DE PAGOS - PRÉSTAMO HIPOTECARIO
Nombre cliente Nicomedes Pinto TEAValor del inmueble 180,000.00 TEM% de financiamiento 90.00% Seguro desgravamenImporte del préstamo 162,000.00 Seguro inmuebleFecha del préstamo 13/07/2013 PortesPlazo de la operación 25 años Cuota simpleModalidad de Pago cada 30 días TCEMNúmero de cuotas 300 meses TCEA
Período Amortización Interés Portes
0 13/07/20131 8/13/2013 75.68 1718.59 68.04 156.6 8.002 9/13/2013 76.48 1717.79 68.008213574679 156.6 8.003 10/13/2013 77.30 1716.98 67.976089939973 156.6 8.004 11/13/2013 78.12 1716.16 67.943625518565 156.6 8.005 12/13/2013 78.94 1715.33 67.910816695185 156.6 8.006 1/13/2014 79.78 1714.49 67.877659816212 156.6 8.007 2/13/2014 80.63 1713.65 67.844151189264 156.6 8.008 3/13/2014 81.48 1712.79 67.810287082788 156.6 8.009 4/13/2014 82.35 1711.93 67.776063725646 156.6 8.0010 5/13/2014 83.22 1711.05 67.741477306691 156.6 8.0011 6/13/2014 84.11 1710.17 67.706523974347 156.6 8.0012 7/13/2014 85.00 1709.28 67.671199836178 156.6 8.0013 8/13/2014 85.90 1708.38 67.635500958455 156.6 8.0014 9/13/2014 86.81 1707.46 67.599423365715 156.6 8.0015 10/13/2014 87.73 1706.54 67.562963040324 156.6 8.0016 11/13/2014 88.66 1705.61 67.526115922026 156.6 8.0017 12/13/2014 89.60 1704.67 67.48887790749 156.6 8.0018 1/13/2015 90.55 1703.72 67.451244849855 156.6 8.0019 2/13/2015 91.51 1702.76 67.413212558269 156.6 8.0020 3/13/2015 92.48 1701.79 67.374776797419 156.6 8.0021 4/13/2015 93.47 1700.81 67.335933287062 156.6 8.0022 5/13/2015 94.46 1699.82 67.296677701549 156.6 8.0023 6/13/2015 95.46 1698.82 67.257005669339 156.6 8.0024 7/13/2015 96.47 1697.80 67.216912772517 156.6 8.0025 8/13/2015 97.50 1696.78 67.1763945463 156.6 8.0026 9/13/2015 98.53 1695.75 67.135446478541 156.6 8.0027 10/13/2015 99.57 1694.70 67.094064009222 156.6 8.0028 11/13/2015 100.63 1693.64 67.052242529954 156.6 8.0029 12/13/2015 101.70 1692.58 67.009977383455 156.6 8.0030 1/13/2016 102.78 1691.50 66.96726386304 156.6 8.0031 2/13/2016 103.87 1690.41 66.92409721209 156.6 8.0032 3/13/2016 104.97 1689.30 66.880472623525 156.6 8.00
Fecha de pago
Seguro desgravamen
Seguro inmobiliario
33 4/13/2016 106.08 1688.19 66.83638523927 156.6 8.0034 5/13/2016 107.21 1687.07 66.791830149712 156.6 8.0035 6/13/2016 108.35 1685.93 66.746802393154 156.6 8.0036 7/13/2016 109.50 1684.78 66.701296955261 156.6 8.0037 8/13/2016 110.66 1683.62 66.655308768505 156.6 8.0038 9/13/2016 111.83 1682.44 66.608832711598 156.6 8.0039 10/13/2016 113.02 1681.26 66.561863608922 156.6 8.0040 11/13/2016 114.22 1680.06 66.514396229952 156.6 8.0041 12/13/2016 115.43 1678.85 66.466425288676 156.6 8.0042 1/13/2017 116.65 1677.62 66.417945443005 156.6 8.0043 2/13/2017 117.89 1676.38 66.368951294176 156.6 8.0044 3/13/2017 119.14 1675.13 66.319437386155 156.6 8.0045 4/13/2017 120.40 1673.87 66.269398205026 156.6 8.0046 5/13/2017 121.68 1672.59 66.218828178378 156.6 8.0047 6/13/2017 122.97 1671.30 66.167721674684 156.6 8.0048 7/13/2017 124.28 1670.00 66.116073002676 156.6 8.0049 8/13/2017 125.60 1668.68 66.063876410708 156.6 8.0050 9/13/2017 126.93 1667.35 66.011126086118 156.6 8.0051 10/13/2017 128.27 1666.00 65.957816154581 156.6 8.0052 11/13/2017 129.64 1664.64 65.90394067945 156.6 8.0053 12/13/2017 131.01 1663.26 65.849493661102 156.6 8.0054 1/13/2018 132.40 1661.87 65.794469036265 156.6 8.0055 2/13/2018 133.81 1660.47 65.738860677345 156.6 8.0056 3/13/2018 135.22 1659.05 65.682662391741 156.6 8.0057 4/13/2018 136.66 1657.62 65.625867921159 156.6 8.0058 5/13/2018 138.11 1656.17 65.568470940913 156.6 8.0059 6/13/2018 139.57 1654.70 65.510465059221 156.6 8.0060 7/13/2018 141.06 1653.22 65.451843816492 156.6 8.0061 8/13/2018 142.55 1651.72 65.392600684608 156.6 8.0062 9/13/2018 144.06 1650.21 65.332729066199 156.6 8.0063 10/13/2018 145.59 1648.68 65.272222293904 156.6 8.0064 11/13/2018 147.14 1647.14 65.21107362963 156.6 8.0065 12/13/2018 148.70 1645.58 65.149276263805 156.6 8.0066 1/13/2019 150.27 1644.00 65.086823314615 156.6 8.0067 2/13/2019 151.87 1642.41 65.023707827241 156.6 8.0068 3/13/2019 153.48 1640.79 64.959922773081 156.6 8.0069 4/13/2019 155.11 1639.17 64.89546104897 156.6 8.0070 5/13/2019 156.75 1637.52 64.830315476391 156.6 8.0071 6/13/2019 158.42 1635.86 64.76447880067 156.6 8.0072 7/13/2019 160.10 1634.18 64.697943690173 156.6 8.0073 8/13/2019 161.80 1632.48 64.630702735485 156.6 8.0074 9/13/2019 163.51 1630.76 64.56274844859 156.6 8.0075 10/13/2019 165.25 1629.03 64.494073262035 156.6 8.0076 11/13/2019 167.00 1627.27 64.424669528085 156.6 8.0077 12/13/2019 168.77 1625.50 64.354529517873 156.6 8.00
78 1/13/2020 170.56 1623.71 64.283645420543 156.6 8.0079 2/13/2020 172.37 1621.90 64.212009342373 156.6 8.0080 3/13/2020 174.20 1620.07 64.139613305901 156.6 8.0081 4/13/2020 176.05 1618.23 64.066449249036 156.6 8.0082 5/13/2020 177.92 1616.36 63.992509024159 156.6 8.0083 6/13/2020 179.80 1614.47 63.917784397215 156.6 8.0084 7/13/2020 181.71 1612.56 63.8422670468 156.6 8.0085 8/13/2020 183.64 1610.64 63.76594856323 156.6 8.0086 9/13/2020 185.59 1608.69 63.688820447605 156.6 8.0087 10/13/2020 187.56 1606.72 63.610874110864 156.6 8.0088 11/13/2020 189.55 1604.73 63.532100872831 156.6 8.0089 12/13/2020 191.56 1602.72 63.452491961241 156.6 8.0090 1/13/2021 193.59 1600.69 63.372038510771 156.6 8.0091 2/13/2021 195.64 1598.63 63.290731562048 156.6 8.0092 3/13/2021 197.72 1596.56 63.208562060652 156.6 8.0093 4/13/2021 199.81 1594.46 63.12552085611 156.6 8.0094 5/13/2021 201.93 1592.34 63.041598700875 156.6 8.0095 6/13/2021 204.08 1590.20 62.956786249294 156.6 8.0096 7/13/2021 206.24 1588.03 62.871074056573 156.6 8.0097 8/13/2021 208.43 1585.85 62.78445257772 156.6 8.0098 9/13/2021 210.64 1583.63 62.696912166486 156.6 8.0099 10/13/2021 212.88 1581.40 62.608443074285 156.6 8.00100 11/13/2021 215.13 1579.14 62.519035449117 156.6 8.00101 12/13/2021 217.42 1576.86 62.428679334463 156.6 8.00102 1/13/2022 219.72 1574.55 62.337364668179 156.6 8.00103 2/13/2022 222.05 1572.22 62.245081281378 156.6 8.00104 3/13/2022 224.41 1569.87 62.151818897295 156.6 8.00105 4/13/2022 226.79 1567.49 62.05756713014 156.6 8.00106 5/13/2022 229.20 1565.08 61.962315483947 156.6 8.00107 6/13/2022 231.63 1562.65 61.866053351403 156.6 8.00108 7/13/2022 234.08 1560.19 61.768770012665 156.6 8.00109 8/13/2022 236.57 1557.71 61.670454634167 156.6 8.00110 9/13/2022 239.08 1555.20 61.571096267416 156.6 8.00111 10/13/2022 241.61 1552.66 61.470683847768 156.6 8.00112 11/13/2022 244.18 1550.10 61.369206193203 156.6 8.00113 12/13/2022 246.77 1547.51 61.26665200307 156.6 8.00114 1/13/2023 249.38 1544.89 61.163009856838 156.6 8.00115 2/13/2023 252.03 1542.24 61.058268212819 156.6 8.00116 3/13/2023 254.70 1539.57 60.952415406884 156.6 8.00117 4/13/2023 257.41 1536.87 60.845439651163 156.6 8.00118 5/13/2023 260.14 1534.14 60.737329032734 156.6 8.00119 6/13/2023 262.90 1531.38 60.628071512297 156.6 8.00120 7/13/2023 265.69 1528.59 60.517654922829 156.6 8.00121 8/13/2023 268.50 1525.77 60.406066968234 156.6 8.00122 9/13/2023 271.35 1522.92 60.293295221971 156.6 8.00
123 10/13/2023 274.23 1520.04 60.179327125672 156.6 8.00124 11/13/2023 277.14 1517.13 60.064149987739 156.6 8.00125 12/13/2023 280.08 1514.19 59.947750981939 156.6 8.00126 1/13/2024 283.05 1511.22 59.830117145966 156.6 8.00127 2/13/2024 286.05 1508.22 59.711235380004 156.6 8.00128 3/13/2024 289.09 1505.19 59.591092445268 156.6 8.00129 4/13/2024 292.16 1502.12 59.469674962524 156.6 8.00130 5/13/2024 295.26 1499.02 59.346969410608 156.6 8.00131 6/13/2024 298.39 1495.89 59.222962124912 156.6 8.00132 7/13/2024 301.55 1492.72 59.097639295866 156.6 8.00133 8/13/2024 304.75 1489.52 58.9709869674 156.6 8.00134 9/13/2024 307.99 1486.29 58.842991035392 156.6 8.00135 10/13/2024 311.25 1483.02 58.713637246092 156.6 8.00136 11/13/2024 314.55 1479.72 58.582911194539 156.6 8.00137 12/13/2024 317.89 1476.38 58.450798322955 156.6 8.00138 1/13/2025 321.26 1473.01 58.317283919126 156.6 8.00139 2/13/2025 324.67 1469.60 58.182353114759 156.6 8.00140 3/13/2025 328.12 1466.16 58.045990883833 156.6 8.00141 4/13/2025 331.60 1462.68 57.90818204092 156.6 8.00142 5/13/2025 335.11 1459.16 57.768911239495 156.6 8.00143 6/13/2025 338.67 1455.60 57.628162970229 156.6 8.00144 7/13/2025 342.26 1452.01 57.485921559262 156.6 8.00145 8/13/2025 345.89 1448.38 57.342171166454 156.6 8.00146 9/13/2025 349.56 1444.71 57.196895783624 156.6 8.00147 10/13/2025 353.27 1441.00 57.050079232769 156.6 8.00148 11/13/2025 357.02 1437.26 56.901705164256 156.6 8.00149 12/13/2025 360.81 1433.47 56.751757055008 156.6 8.00150 1/13/2026 364.63 1429.64 56.600218206662 156.6 8.00151 2/13/2026 368.50 1425.77 56.447071743706 156.6 8.00152 3/13/2026 372.41 1421.86 56.292300611605 156.6 8.00153 4/13/2026 376.36 1417.91 56.135887574898 156.6 8.00154 5/13/2026 380.36 1413.92 55.977815215281 156.6 8.00155 6/13/2026 384.39 1409.88 55.818065929665 156.6 8.00156 7/13/2026 388.47 1405.81 55.656621928217 156.6 8.00157 8/13/2026 392.59 1401.69 55.49346523238 156.6 8.00158 9/13/2026 396.75 1397.52 55.328577672868 156.6 8.00159 10/13/2026 400.96 1393.31 55.161940887647 156.6 8.00160 11/13/2026 405.22 1389.06 54.993536319885 156.6 8.00161 12/13/2026 409.52 1384.76 54.823345215889 156.6 8.00162 1/13/2027 413.86 1380.41 54.651348623016 156.6 8.00163 2/13/2027 418.25 1376.02 54.477527387561 156.6 8.00164 3/13/2027 422.69 1371.59 54.301862152626 156.6 8.00165 4/13/2027 427.17 1367.10 54.124333355964 156.6 8.00166 5/13/2027 431.70 1362.57 53.944921227798 156.6 8.00167 6/13/2027 436.28 1357.99 53.763605788624 156.6 8.00
168 7/13/2027 440.91 1353.36 53.580366846981 156.6 8.00169 8/13/2027 445.59 1348.69 53.395183997205 156.6 8.00170 9/13/2027 450.32 1343.96 53.20803661716 156.6 8.00171 10/13/2027 455.09 1339.18 53.018903865934 156.6 8.00172 11/13/2027 459.92 1334.35 52.827764681524 156.6 8.00173 12/13/2027 464.80 1329.47 52.634597778489 156.6 8.00174 1/13/2028 469.73 1324.54 52.439381645578 156.6 8.00175 2/13/2028 474.71 1319.56 52.242094543336 156.6 8.00176 3/13/2028 479.75 1314.52 52.042714501686 156.6 8.00177 4/13/2028 484.84 1309.43 51.841219317474 156.6 8.00178 5/13/2028 489.98 1304.29 51.637586552006 156.6 8.00179 6/13/2028 495.18 1299.09 51.431793528543 156.6 8.00180 7/13/2028 500.43 1293.84 51.223817329777 156.6 8.00181 8/13/2028 505.74 1288.53 51.013634795283 156.6 8.00182 9/13/2028 511.11 1283.17 50.801222518931 156.6 8.00183 10/13/2028 516.53 1277.74 50.58655684629 156.6 8.00184 11/13/2028 522.01 1272.26 50.369613871984 156.6 8.00185 12/13/2028 527.55 1266.73 50.150369437039 156.6 8.00186 1/13/2029 533.14 1261.13 49.928799126185 156.6 8.00187 2/13/2029 538.80 1255.47 49.704878265141 156.6 8.00188 3/13/2029 544.52 1249.76 49.478581917868 156.6 8.00189 4/13/2029 550.29 1243.98 49.249884883787 156.6 8.00190 5/13/2029 556.13 1238.14 49.018761694981 156.6 8.00191 6/13/2029 562.03 1232.24 48.78518661335 156.6 8.00192 7/13/2029 567.99 1226.28 48.549133627752 156.6 8.00193 8/13/2029 574.02 1220.26 48.3105764511 156.6 8.00194 9/13/2029 580.11 1214.17 48.069488517441 156.6 8.00195 10/13/2029 586.26 1208.01 47.825842978993 156.6 8.00196 11/13/2029 592.48 1201.79 47.579612703157 156.6 8.00197 12/13/2029 598.77 1195.51 47.330770269494 156.6 8.00198 1/13/2030 605.12 1189.16 47.079287966674 156.6 8.00199 2/13/2030 611.54 1182.74 46.82513778939 156.6 8.00200 3/13/2030 618.03 1176.25 46.568291435234 156.6 8.00201 4/13/2030 624.58 1169.69 46.308720301553 156.6 8.00202 5/13/2030 631.21 1163.07 46.046395482258 156.6 8.00203 6/13/2030 637.91 1156.37 45.781287764607 156.6 8.00204 7/13/2030 644.67 1149.60 45.513367625953 156.6 8.00205 8/13/2030 651.51 1142.76 45.242605230453 156.6 8.00206 9/13/2030 658.42 1135.85 44.96897042575 156.6 8.00207 10/13/2030 665.41 1128.87 44.692432739612 156.6 8.00208 11/13/2030 672.47 1121.81 44.412961376537 156.6 8.00209 12/13/2030 679.60 1114.67 44.13052521433 156.6 8.00210 1/13/2031 686.81 1107.46 43.84509280063 156.6 8.00211 2/13/2031 694.10 1100.18 43.556632349412 156.6 8.00212 3/13/2031 701.46 1092.81 43.265111737445 156.6 8.00
213 4/13/2031 708.90 1085.37 42.970498500717 156.6 8.00214 5/13/2031 716.42 1077.85 42.672759830817 156.6 8.00215 6/13/2031 724.02 1070.25 42.371862571284 156.6 8.00216 7/13/2031 731.70 1062.57 42.067773213911 156.6 8.00217 8/13/2031 739.47 1054.81 41.760457895019 156.6 8.00218 9/13/2031 747.31 1046.96 41.449882391681 156.6 8.00219 10/13/2031 755.24 1039.04 41.136012117914 156.6 8.00220 11/13/2031 763.25 1031.02 40.818812120824 156.6 8.00221 12/13/2031 771.35 1022.93 40.498247076719 156.6 8.00222 1/13/2032 779.53 1014.74 40.17428128717 156.6 8.00223 2/13/2032 787.80 1006.47 39.846878675037 156.6 8.00224 3/13/2032 796.16 998.12 39.516002780455 156.6 8.00225 4/13/2032 804.60 989.67 39.181616756769 156.6 8.00226 5/13/2032 813.14 981.14 38.843683366432 156.6 8.00227 6/13/2032 821.77 972.51 38.502164976862 156.6 8.00228 7/13/2032 830.48 963.79 38.157023556244 156.6 8.00229 8/13/2032 839.29 954.98 37.808220669301 156.6 8.00230 9/13/2032 848.20 946.08 37.455717473013 156.6 8.00231 10/13/2032 857.20 937.08 37.099474712287 156.6 8.00232 11/13/2032 866.29 927.99 36.73945271559 156.6 8.00233 12/13/2032 875.48 918.80 36.375611390531 156.6 8.00234 1/13/2033 884.77 909.51 36.007910219392 156.6 8.00235 2/13/2033 894.15 900.12 35.636308254622 156.6 8.00236 3/13/2033 903.64 890.64 35.260764114271 156.6 8.00237 4/13/2033 913.22 881.05 34.881235977387 156.6 8.00238 5/13/2033 922.91 871.36 34.497681579355 156.6 8.00239 6/13/2033 932.70 861.57 34.110058207192 156.6 8.00240 7/13/2033 942.60 851.68 33.718322694791 156.6 8.00241 8/13/2033 952.60 841.68 33.322431418111 156.6 8.00242 9/13/2033 962.70 831.57 32.922340290324 156.6 8.00243 10/13/2033 972.92 821.36 32.5180047569 156.6 8.00244 11/13/2033 983.24 811.04 32.109379790649 156.6 8.00245 12/13/2033 993.67 800.61 31.696419886707 156.6 8.00246 1/13/2034 1004.21 790.06 31.279079057465 156.6 8.00247 2/13/2034 1014.86 779.41 30.85731082745 156.6 8.00248 3/13/2034 1025.63 768.65 30.431068228152 156.6 8.00249 4/13/2034 1036.51 757.76 30.000303792789 156.6 8.00250 5/13/2034 1047.51 746.77 29.564969551023 156.6 8.00251 6/13/2034 1058.62 735.66 29.125017023618 156.6 8.00252 7/13/2034 1069.85 724.43 28.680397217042 156.6 8.00253 8/13/2034 1081.20 713.08 28.231060618011 156.6 8.00254 9/13/2034 1092.67 701.61 27.776957187972 156.6 8.00255 10/13/2034 1104.26 690.01 27.318036357536 156.6 8.00256 11/13/2034 1115.97 678.30 26.854247020842 156.6 8.00257 12/13/2034 1127.81 666.46 26.385537529867 156.6 8.00
258 1/13/2035 1139.78 654.50 25.911855688677 156.6 8.00259 2/13/2035 1151.87 642.40 25.43314874761 156.6 8.00260 3/13/2035 1164.09 630.19 24.949363397407 156.6 8.00261 4/13/2035 1176.44 617.84 24.46044576327 156.6 8.00262 5/13/2035 1188.92 605.36 23.966341398865 156.6 8.00263 6/13/2035 1201.53 592.74 23.466995280261 156.6 8.00264 7/13/2035 1214.28 580.00 22.962351799798 156.6 8.00265 8/13/2035 1227.16 567.11 22.452354759897 156.6 8.00266 9/13/2035 1240.18 554.10 21.936947366803 156.6 8.00267 10/13/2035 1253.34 540.94 21.416072224258 156.6 8.00268 11/13/2035 1266.63 527.64 20.88967132711 156.6 8.00269 12/13/2035 1280.07 514.21 20.357686054853 156.6 8.00270 1/13/2036 1293.65 500.63 19.820057165103 156.6 8.00271 2/13/2036 1307.37 486.90 19.276724786992 156.6 8.00272 3/13/2036 1321.24 473.03 18.727628414512 156.6 8.00273 4/13/2036 1335.26 459.02 18.172706899766 156.6 8.00274 5/13/2036 1349.42 444.85 17.611898446167 156.6 8.00275 6/13/2036 1363.74 430.54 17.045140601551 156.6 8.00276 7/13/2036 1378.21 416.07 16.472370251225 156.6 8.00277 8/13/2036 1392.83 401.45 15.893523610938 156.6 8.00278 9/13/2036 1407.60 386.67 15.308536219776 156.6 8.00279 10/13/2036 1422.54 371.74 14.717342932987 156.6 8.00280 11/13/2036 1437.63 356.65 14.119877914724 156.6 8.00281 12/13/2036 1452.88 341.40 13.516074630713 156.6 8.00282 1/13/2037 1468.29 325.98 12.905865840846 156.6 8.00283 2/13/2037 1483.87 310.41 12.289183591691 156.6 8.00284 3/13/2037 1499.61 294.67 11.665959208925 156.6 8.00285 4/13/2037 1515.52 278.76 11.036123289689 156.6 8.00286 5/13/2037 1531.60 262.68 10.399605694854 156.6 8.00287 6/13/2037 1547.84 246.43 9.7563355412145 156.6 8.00288 7/13/2037 1564.26 230.01 9.1062411935947 156.6 8.00289 8/13/2037 1580.86 213.42 8.4492502568687 156.6 8.00290 9/13/2037 1597.63 196.65 7.7852895679002 156.6 8.00291 10/13/2037 1614.58 179.70 7.114285187395 156.6 8.00292 11/13/2037 1631.71 162.57 6.4361623916663 156.6 8.00293 12/13/2037 1649.02 145.26 5.750845664314 156.6 8.00294 1/13/2038 1666.51 127.76 5.0582586878148 156.6 8.00295 2/13/2038 1684.19 110.09 4.3583243350237 156.6 8.00296 3/13/2038 1702.06 92.22 3.6509646605848 156.6 8.00297 4/13/2038 1720.11 74.16 2.9361008922514 156.6 8.00298 5/13/2038 1738.36 55.91 2.2136534221134 156.6 8.00299 6/13/2038 1756.80 37.47 1.483541797733 156.6 8.00300 7/13/2038 1775.44 18.83 0.7456847131845 156.6 8.00
totales 162000.00 376282.42 14897.220708854 46980 2,400.00
promedio 49.657402362847
CRONOGRAMA DE PAGOS - PRÉSTAMO HIPOTECARIO
TEA 13.50%TEM 1.06% el seguro de desgravamen lo calculas sobre el saldo deudorSeguro desgravamen 0.0420%Seguro inmueble 0.0870% el seguro vehicular se calcula sobre el valor del autoPortes 8.00Cuota simple $1,794.27TCEM $0.012TCEA $0.15
Cuota total Saldo Flujos
162,000.00 -162,000.002008.53 161924.32 2008.531958.87 161847.83 1958.871958.87 161770.54 1958.871958.87 161692.42 1958.871958.87 161613.48 1958.871958.87 161533.69 1958.871958.87 161453.06 1958.871958.87 161371.58 1958.871958.87 161289.23 1958.871958.87 161206.01 1958.871958.87 161121.90 1958.871958.87 161036.91 1958.871958.87 160951.01 1958.871958.87 160864.20 1958.871958.87 160776.47 1958.871958.87 160687.80 1958.871958.87 160598.20 1958.871958.87 160507.65 1958.871958.87 160416.14 1958.871958.87 160323.65 1958.871958.87 160230.19 1958.871958.87 160135.73 1958.871958.87 160040.27 1958.871958.87 159943.80 1958.871958.87 159846.30 1958.871958.87 159747.77 1958.871958.87 159648.20 1958.871958.87 159547.57 1958.871958.87 159445.87 1958.871958.87 159343.09 1958.871958.87 159239.22 1958.871958.87 159134.25 1958.87
1958.87 159028.17 1958.871958.87 158920.96 1958.871958.87 158812.61 1958.871958.87 158703.12 1958.871958.87 158592.46 1958.871958.87 158480.63 1958.871958.87 158367.61 1958.871958.87 158253.39 1958.871958.87 158137.97 1958.871958.87 158021.31 1958.871958.87 157903.42 1958.871958.87 157784.28 1958.871958.87 157663.88 1958.871958.87 157542.19 1958.871958.87 157419.22 1958.871958.87 157294.94 1958.871958.87 157169.35 1958.871958.87 157042.42 1958.871958.87 156914.14 1958.871958.87 156784.51 1958.871958.87 156653.50 1958.871958.87 156521.10 1958.871958.87 156387.29 1958.871958.87 156252.07 1958.871958.87 156115.41 1958.871958.87 155977.30 1958.871958.87 155837.72 1958.871958.87 155696.67 1958.871958.87 155554.12 1958.871958.87 155410.05 1958.871958.87 155264.46 1958.871958.87 155117.32 1958.871958.87 154968.63 1958.871958.87 154818.35 1958.871958.87 154666.48 1958.871958.87 154513.00 1958.871958.87 154357.89 1958.871958.87 154201.14 1958.871958.87 154042.72 1958.871958.87 153882.63 1958.871958.87 153720.83 1958.871958.87 153557.32 1958.871958.87 153392.07 1958.871958.87 153225.07 1958.871958.87 153056.30 1958.87
1958.87 152885.74 1958.871958.87 152713.37 1958.871958.87 152539.16 1958.871958.87 152363.12 1958.871958.87 152185.20 1958.871958.87 152005.40 1958.871958.87 151823.69 1958.871958.87 151640.05 1958.871958.87 151454.46 1958.871958.87 151266.91 1958.871958.87 151077.36 1958.871958.87 150885.81 1958.871958.87 150692.22 1958.871958.87 150496.58 1958.871958.87 150298.86 1958.871958.87 150099.04 1958.871958.87 149897.11 1958.871958.87 149693.03 1958.871958.87 149486.79 1958.871958.87 149278.36 1958.871958.87 149067.72 1958.871958.87 148854.85 1958.871958.87 148639.71 1958.871958.87 148422.30 1958.871958.87 148202.57 1958.871958.87 147980.52 1958.871958.87 147756.11 1958.871958.87 147529.32 1958.871958.87 147300.13 1958.871958.87 147068.50 1958.871958.87 146834.42 1958.871958.87 146597.85 1958.871958.87 146358.77 1958.871958.87 146117.16 1958.871958.87 145872.98 1958.871958.87 145626.21 1958.871958.87 145376.83 1958.871958.87 145124.80 1958.871958.87 144870.09 1958.871958.87 144612.69 1958.871958.87 144352.55 1958.871958.87 144089.65 1958.871958.87 143823.97 1958.871958.87 143555.46 1958.871958.87 143284.11 1958.87
1958.87 143009.88 1958.871958.87 142732.74 1958.871958.87 142452.66 1958.871958.87 142169.61 1958.871958.87 141883.55 1958.871958.87 141594.46 1958.871958.87 141302.31 1958.871958.87 141007.05 1958.871958.87 140708.66 1958.871958.87 140407.11 1958.871958.87 140102.36 1958.871958.87 139794.37 1958.871958.87 139483.12 1958.871958.87 139168.57 1958.871958.87 138850.68 1958.871958.87 138529.41 1958.871958.87 138204.74 1958.871958.87 137876.62 1958.871958.87 137545.03 1958.871958.87 137209.91 1958.871958.87 136871.24 1958.871958.87 136528.98 1958.871958.87 136183.09 1958.871958.87 135833.52 1958.871958.87 135480.25 1958.871958.87 135123.23 1958.871958.87 134762.42 1958.871958.87 134397.79 1958.871958.87 134029.29 1958.871958.87 133656.88 1958.871958.87 133280.51 1958.871958.87 132900.16 1958.871958.87 132515.77 1958.871958.87 132127.30 1958.871958.87 131734.71 1958.871958.87 131337.95 1958.871958.87 130936.99 1958.871958.87 130531.77 1958.871958.87 130122.26 1958.871958.87 129708.40 1958.871958.87 129290.15 1958.871958.87 128867.46 1958.871958.87 128440.29 1958.871958.87 128008.59 1958.871958.87 127572.30 1958.87
1958.87 127131.39 1958.871958.87 126685.80 1958.871958.87 126235.49 1958.871958.87 125780.39 1958.871958.87 125320.47 1958.871958.87 124855.67 1958.871958.87 124385.94 1958.871958.87 123911.23 1958.871958.87 123431.47 1958.871958.87 122946.63 1958.871958.87 122456.65 1958.871958.87 121961.47 1958.871958.87 121461.04 1958.871958.87 120955.29 1958.871958.87 120444.18 1958.871958.87 119927.65 1958.871958.87 119405.64 1958.871958.87 118878.09 1958.871958.87 118344.95 1958.871958.87 117806.15 1958.871958.87 117261.63 1958.871958.87 116711.34 1958.871958.87 116155.21 1958.871958.87 115593.18 1958.871958.87 115025.18 1958.871958.87 114451.16 1958.871958.87 113871.05 1958.871958.87 113284.79 1958.871958.87 112692.31 1958.871958.87 112093.54 1958.871958.87 111488.42 1958.871958.87 110876.88 1958.871958.87 110258.86 1958.871958.87 109634.27 1958.871958.87 109003.07 1958.871958.87 108365.16 1958.871958.87 107720.49 1958.871958.87 107068.98 1958.871958.87 106410.55 1958.871958.87 105745.15 1958.871958.87 105072.68 1958.871958.87 104393.08 1958.871958.87 103706.27 1958.871958.87 103012.17 1958.871958.87 102310.71 1958.87
1958.87 101601.81 1958.871958.87 100885.39 1958.871958.87 100161.36 1958.871958.87 99429.66 1958.871958.87 98690.20 1958.871958.87 97942.89 1958.871958.87 97187.65 1958.871958.87 96424.40 1958.871958.87 95653.05 1958.871958.87 94873.52 1958.871958.87 94085.72 1958.871958.87 93289.56 1958.871958.87 92484.96 1958.871958.87 91671.82 1958.871958.87 90850.06 1958.871958.87 90019.57 1958.871958.87 89180.28 1958.871958.87 88332.08 1958.871958.87 87474.89 1958.871958.87 86608.60 1958.871958.87 85733.12 1958.871958.87 84848.35 1958.871958.87 83954.20 1958.871958.87 83050.56 1958.871958.87 82137.34 1958.871958.87 81214.42 1958.871958.87 80281.72 1958.871958.87 79339.12 1958.871958.87 78386.52 1958.871958.87 77423.82 1958.871958.87 76450.90 1958.871958.87 75467.67 1958.871958.87 74474.00 1958.871958.87 73469.79 1958.871958.87 72454.92 1958.871958.87 71429.29 1958.871958.87 70392.78 1958.871958.87 69345.28 1958.871958.87 68286.66 1958.871958.87 67216.81 1958.871958.87 66135.61 1958.871958.87 65042.94 1958.871958.87 63938.68 1958.871958.87 62822.71 1958.871958.87 61694.89 1958.87
1958.87 60555.12 1958.871958.87 59403.25 1958.871958.87 58239.16 1958.871958.87 57062.72 1958.871958.87 55873.80 1958.871958.87 54672.27 1958.871958.87 53457.99 1958.871958.87 52230.83 1958.871958.87 50990.65 1958.871958.87 49737.31 1958.871958.87 48470.68 1958.871958.87 47190.61 1958.871958.87 45896.96 1958.871958.87 44589.59 1958.871958.87 43268.35 1958.871958.87 41933.09 1958.871958.87 40583.67 1958.871958.87 39219.93 1958.871958.87 37841.72 1958.871958.87 36448.90 1958.871958.87 35041.29 1958.871958.87 33618.76 1958.871958.87 32181.13 1958.871958.87 30728.25 1958.871958.87 29259.96 1958.871958.87 27776.09 1958.871958.87 26276.48 1958.871958.87 24760.97 1958.871958.87 23229.37 1958.871958.87 21681.53 1958.871958.87 20117.26 1958.871958.87 18536.40 1958.871958.87 16938.77 1958.871958.87 15324.20 1958.871958.87 13692.49 1958.871958.87 12043.47 1958.871958.87 10376.96 1958.871958.87 8692.77 1958.871958.87 6990.72 1958.871958.87 5270.60 1958.871958.87 3532.24 1958.871958.87 1775.44 1958.871958.87 0.00 1958.87
587712.07 35,469,573.12 425712.07
el seguro de desgravamen lo calculas sobre el saldo deudor
el seguro vehicular se calcula sobre el valor del auto
CRONOGRAMA DE PAGOS - PRÉSTAMO VEHICULAR
Nombre del cliente Pluscuanperfecto Aparicio TEAValor del vehículo 36,000.00 TEM% de financiamiento 75% Seguro desgravamenImporte del préstamo Seguro vehicularFecha del préstamo 17/09/2013 PortesPlazo de la operación 5 años Cuota simpleNúmero de cuotas Modalidad de PagoTCEM TCEA
Período Amortización Interés PortesFecha de pago
Seguro desgravamen
Seguro vehicular
CRONOGRAMA DE PAGOS - PRÉSTAMO VEHICULAR
TEA 17.00%TEMSeguro desgravamen 0.023%Seguro vehicular 0.18%Portes 6.00Cuota simpleModalidad de Pago cada 30 díasTCEA
Cuota total Saldo Flujos
CRONOGRAMA DE PAGOS - PRÉSTAMO HIPOTECARIO
Nombre cliente Pepe Botella TEAValor del inmueble 360,000.00 TEM% de financiamiento 90.00% Seguro desgravamenImporte del préstamo Seguro inmuebleFecha del préstamo 02/07/2013 Portes+otrosModalidad de Pago cada 30 días Cuota simplePlazo de la operación 20 años TCEMNúmero de cuotas TCEA
Período Amortización Interés PortesFecha de pago
Seguro desgravamen
Seguro inmobiliario
CRONOGRAMA DE PAGOS - PRÉSTAMO HIPOTECARIO
TEA 12.50%TEMSeguro desgravamen 0.0780%Seguro inmueble 0.0770%Portes+otros 19.00Cuota simpleTCEMTCEA
Cuota total Saldo Flujos
CRONOGRAMA DE PAGOS - PRÉSTAMO VEHICULAR
Nombre del cliente Hodavías Quicaño TEAValor del vehículo 36,000.00 TEM% de financiamiento 75% Seguro desgravamenImporte del préstamo Seguro vehicularFecha del préstamo 17/09/2013 PortesPlazo de la operación 3 años Modalidad de PagoNúmero de cuotas Cuota simpleTCEM TCEA
Período Amortización Interés PortesFecha de pago
Seguro desgravamen
Seguro vehicular
CRONOGRAMA DE PAGOS - PRÉSTAMO VEHICULAR
TEA 22.00%TEMSeguro desgravamen 0.073%Seguro vehicular 0.029%Portes 13.00Modalidad de Pago cada 30 díasCuota simpleTCEA
Cuota total Saldo Flujos