MIBANCO
CUADRO DE SERVICIO A LA DEUDA
Monto del Prestamo 5,000.00 5,000.00
Tasa de interes anual 42.43%
Tasa de interes mensual 2.99%
Plazo, en años 1.5
Pagos por año 12
Saldo Capital Pago
Perido Intéres
Inicial (Amortizac.) (Anualidad)
0 5,000.00
1 5,000.00 149.56 213.71 363.27
2 4,786.29 143.17 220.11 363.27
3 4,566.18 136.58 226.69 363.27
4 4,339.49 129.80 233.47 363.27
5 4,106.02 122.82 240.45 363.27
6 3,865.57 115.63 247.65 363.27
7 3,617.92 108.22 255.05 363.27
8 3,362.87 100.59 262.68 363.27
9 3,100.19 92.73 270.54 363.27
10 2,829.64 84.64 278.63 363.27
11 2,551.01 76.31 286.97 363.27
12 2,264.04 67.72 295.55 363.27
13 1,968.49 58.88 304.39 363.27
14 1,664.10 49.78 313.50 363.27
15 1,350.61 40.40 322.87 363.27
16 1,027.73 30.74 332.53 363.27
17 695.20 20.79 342.48 363.27
18 352.72 10.55 352.72 363.27
1,538.92 5,000.00 6,538.92
TOTALES
DECISIONES FINACIERAS
La empresa XYZ, requiere dinero para finciar un vehiculo valorisado en S/. 62500.00, tambien requiere para mercaderia el 35
vehiculo. Tres entidades financieras le ofrecen el prestamo con las siguientes condiciones:
analizis
representacion de
mayor gasto
vehiculo = S/. 62,500.00 vehiculo 74%
mercaderia 35% del vehiculo S/. 21,875.00 mercaderia 26%
100%
total finaciamiento = S/. 84,375.00
entidad financiera A
tasa anua = 24.05% tasa efectiva trimestra = 5.5357%
pagos trimestrales = 4 en un año 20
tiempo de pago = 5 años
tiempo final 16
periodos de gracia sin desembolso de interes = 4
ademas debe solicitar prestamo para capital de trabajo ,equivalente al 55% de lo que se presta para vehiculo
y mercaderia, la entidad financiera A cobra de interes por prestamo mayores a 120000 a la tasa preferencial
de 22.20%, si no supera dicho monto la tasa es de 24% , la tasa sufrira un incremento de 0.85% despues del
3er pago de la cuota ofrece 2 periodos de gracia sin desembolso de interes y 2 con desembolso de interes . el
banco B tasa preferencial superior a 130000 a 21.5% menor a ese monto 24.10% 3 periodos de gracia con
desembolso de interesla tasa sufrira un incremento de 1% a partir del 4ta pago de la cuota
año DEUDA INTERES AMORTIZACION TOTAL A PAGAR SALDO
1 S/. 84,375.00 S/. 4,670.71 S/. 89,045.71
2 S/. 89,045.71 S/. 4,929.26 S/. 93,974.96
3 S/. 93,974.96 S/. 5,202.13 S/. 99,177.09
4 S/. 99,177.09 S/. 5,490.10 S/. 104,667.19
5 S/. 104,667.19 S/. 5,794.01 S/.4,235.30 S/.10,029.31 S/. 100,431.89
6 S/. 100,431.89 S/. 5,559.56 S/.4,469.75 S/.10,029.31 S/. 95,962.14
7 S/. 95,962.14 S/. 5,312.13 S/.4,717.18 S/.10,029.31 S/. 91,244.97
8 S/. 91,244.97 S/. 5,051.00 S/.4,978.30 S/.10,029.31 S/. 86,266.66
9 S/. 86,266.66 S/. 4,775.42 S/.5,253.89 S/.10,029.31 S/. 81,012.78
10 S/. 81,012.78 S/. 4,484.58 S/.5,544.72 S/.10,029.31 S/. 75,468.05
11 S/. 75,468.05 S/. 4,177.65 S/.5,851.66 S/.10,029.31 S/. 69,616.40
12 S/. 69,616.40 S/. 3,853.72 S/.6,175.59 S/.10,029.31 S/. 63,440.81
13 S/. 63,440.81 S/. 3,511.86 S/.6,517.44 S/.10,029.31 S/. 56,923.36
14 S/. 56,923.36 S/. 3,151.08 S/.6,878.23 S/.10,029.31 S/. 50,045.14
15 S/. 50,045.14 S/. 2,770.32 S/.7,258.98 S/.10,029.31 S/. 42,786.15
16 S/. 42,786.15 S/. 2,368.49 S/.7,660.81 S/.10,029.31 S/. 35,125.34
17 S/. 35,125.34 S/. 1,944.42 S/.8,084.89 S/.10,029.31 S/. 27,040.45
18 S/. 27,040.45 S/. 1,496.86 S/.8,532.44 S/.10,029.31 S/. 18,508.01
19 S/. 18,508.01 S/. 1,024.54 S/.9,004.77 S/.10,029.31 S/. 9,503.24
20 S/. 9,503.24 S/. 526.07 S/.9,503.24 S/.10,029.31 S/. -
S/. 76,093.90
ere para mercaderia el 35 % de lo que necesita para el
total pagos en 5 años
Nuevo pago por periodo de gracia
S/. 104,667.19
total a paga o cuota fija mas facil
S/.10,029.31
el banco B tasa preferencial superior a 130000 a 21.5% menor a ese monto 24.10%
3 periodos de gracia con desembolso de interes la tasa sufrira un incremento de 1%
a partir del 4ta pago de la cuota
Deuda S/. 130,781.25
año 5
trimestral 4
tasa 21.50%
tasa trimestral 4.98907%
incremento 1%
nueva tasa anual 21.71500%
nueva tasa trim. 5.03548%
periodo de gracia
con desembolso 3
AÑO DEUDA INTERES AMORTIZACION TOTAL A PAG.
1 S/. 130,781.25 S/. 6,524.76 S/. 6,524.76
2 S/. 130,781.25 S/. 6,524.76 S/. 6,524.76
3 S/. 130,781.25 S/. 6,524.76 S/. 6,524.76
4 S/. 130,781.25 S/. 6,524.76 S/.5,065.95 S/.11,590.71
5 S/. 125,715.30 S/. 6,272.02 S/.5,318.69 S/.11,590.71
6 S/. 120,396.60 S/. 6,006.67 S/.5,584.05 S/.11,590.71
7 S/. 114,812.56 S/. 5,781.36 S/.5,843.78 S/.11,625.15
8 S/. 108,968.77 S/. 5,487.10 S/.6,138.05 S/.11,625.15
9 S/. 102,830.73 S/. 5,178.02 S/.6,447.13 S/.11,625.15
10 S/. 96,383.60 S/. 4,853.38 S/.6,771.77 S/.11,625.15
11 S/. 89,611.83 S/. 4,512.39 S/.7,112.76 S/.11,625.15
12 S/. 82,499.07 S/. 4,154.22 S/.7,470.92 S/.11,625.15
13 S/. 75,028.15 S/. 3,778.03 S/.7,847.12 S/.11,625.15
14 S/. 67,181.03 S/. 3,382.89 S/.8,242.26 S/.11,625.15
15 S/. 58,938.77 S/. 2,967.85 S/.8,657.30 S/.11,625.15
16 S/. 50,281.48 S/. 2,531.91 S/.9,093.23 S/.11,625.15
17 S/. 41,188.24 S/. 2,074.03 S/.9,551.12 S/.11,625.15
18 S/. 31,637.12 S/. 1,593.08 S/.10,032.07 S/.11,625.15
19 S/. 21,605.06 S/. 1,087.92 S/.10,537.23 S/.11,625.15
20 S/. 11,067.83 S/. 557.32 S/.11,067.83 S/.11,625.15
a ese monto 24.10%
n incremento de 1%
SALDO
S/. 130,781.25
S/. 130,781.25
S/. 130,781.25
S/. 125,715.30
S/. 120,396.60
S/. 114,812.56
S/. 108,968.77
S/. 102,830.73
S/. 96,383.60
S/. 89,611.83
S/. 82,499.07
S/. 75,028.15
S/. 67,181.03
S/. 58,938.77
S/. 50,281.48
S/. 41,188.24
S/. 31,637.12
S/. 21,605.06
S/. 11,067.83
S/. -
totalvehiculo y mercaderia S/. 84,375.00
capital de trabajo 55% S/. 46,406.25 periodo de G. desembo
periodo de G. sin desembo
total financiamiento S/. 130,781.25
tasa anual 22.20% 130781.25
tasa trimestra 5.13996%
nueva tasa
incremento
3er pago 0.85% 5.1836%
nuevo pago 5.18052% 22.3887%
año(n) 5
trimestre 4
t. trimestre (M) 20
año DEUDA INTERES AMORTIZACION TOTAL A PAGAR SALDO
1 S/. 130,781.25 S/. 6,722.10 S/. 137,503.35
2 S/. 137,503.35 S/. 7,067.62 S/. 144,570.97
3 S/. 144,570.97 S/. 7,430.89 S/. 7,430.89 S/. 144,570.97
4 S/. 144,570.97 S/. 7,430.89 S/. 7,430.89 S/. 144,570.97
5 S/. 144,570.97 S/. 7,430.89 S/.6,041.88 S/.13,472.77 S/. 138,529.09
6 S/. 138,529.09 S/. 7,120.34 S/.6,352.43 S/.13,472.77 S/. 132,176.66
7 S/. 132,176.66 S/. 6,793.83 S/.6,678.94 S/.13,472.77 S/. 125,497.72
8 S/. 125,497.72 S/. 6,501.44 S/.7,004.11 S/.13,505.55 S/. 118,493.61
9 S/. 118,493.61 S/. 6,138.59 S/.7,366.96 S/.13,505.55 S/. 111,126.65
10 S/. 111,126.65 S/. 5,756.94 S/.7,748.61 S/.13,505.55 S/. 103,378.04
11 S/. 103,378.04 S/. 5,355.52 S/.8,150.03 S/.13,505.55 S/. 95,228.02
12 S/. 95,228.02 S/. 4,933.31 S/.8,572.24 S/.13,505.55 S/. 86,655.78
13 S/. 86,655.78 S/. 4,489.22 S/.9,016.33 S/.13,505.55 S/. 77,639.45
14 S/. 77,639.45 S/. 4,022.13 S/.9,483.42 S/.13,505.55 S/. 68,156.03
15 S/. 68,156.03 S/. 3,530.84 S/.9,974.71 S/.13,505.55 S/. 58,181.32
16 S/. 58,181.32 S/. 3,014.10 S/.10,491.45 S/.13,505.55 S/. 47,689.87
17 S/. 47,689.87 S/. 2,470.59 S/.11,034.96 S/.13,505.55 S/. 36,654.90
18 S/. 36,654.90 S/. 1,898.92 S/.11,606.63 S/.13,505.55 S/. 25,048.27
19 S/. 25,048.27 S/. 1,297.63 S/.12,207.92 S/.13,505.55 S/. 12,840.35
20 S/. 12,840.35 S/. 665.20 S/.12,840.35 S/.13,505.55 S/. -
2
G. sin desembo 2
ENTIDAD FINACIERA B
DEUDA = S/. 84,375.00 total a pagar formula ma
TASA EFECTIVA ANUA = 23.25% S/.6,981.63
T. EFEC. TRIMESTRA= 5.3651%
TIEMPO DE PAGO = 5 AÑOS
PAGOS TRIMESTRALES 4 AL AÑO
TOTAL PAGOS TRIMESTRALES = 20
SIN TIEMPO DE GRACIA
AÑO DEUDA INTERES AMORTIZACION TOTAL A PAG. SALDO
1 S/. 84,375.00 S/. 4,526.79 S/. 2,454.83 S/. 6,981.63 S/. 81,920.17
2 S/. 81,920.17 S/. 4,395.09 S/. 2,586.54 S/. 6,981.63 S/. 79,333.63
3 S/. 79,333.63 S/. 4,256.32 S/. 2,725.31 S/. 6,981.63 S/. 76,608.32
4 S/. 76,608.32 S/. 4,110.10 S/. 2,871.52 S/. 6,981.63 S/. 73,736.80
5 S/. 73,736.80 S/. 3,956.04 S/. 3,025.58 S/. 6,981.63 S/. 70,711.22
6 S/. 70,711.22 S/. 3,793.72 S/. 3,187.91 S/. 6,981.63 S/. 67,523.32
7 S/. 67,523.32 S/. 3,622.68 S/. 3,358.94 S/. 6,981.63 S/. 64,164.37
8 S/. 64,164.37 S/. 3,442.47 S/. 3,539.15 S/. 6,981.63 S/. 60,625.22
9 S/. 60,625.22 S/. 3,252.60 S/. 3,729.03 S/. 6,981.63 S/. 56,896.20
10 S/. 56,896.20 S/. 3,052.53 S/. 3,929.09 S/. 6,981.63 S/. 52,967.10
11 S/. 52,967.10 S/. 2,841.73 S/. 4,139.89 S/. 6,981.63 S/. 48,827.21
12 S/. 48,827.21 S/. 2,619.62 S/. 4,362.00 S/. 6,981.63 S/. 44,465.20
13 S/. 44,465.20 S/. 2,385.60 S/. 4,596.03 S/. 6,981.63 S/. 39,869.18
14 S/. 39,869.18 S/. 2,139.02 S/. 4,842.61 S/. 6,981.63 S/. 35,026.57
15 S/. 35,026.57 S/. 1,879.21 S/. 5,102.42 S/. 6,981.63 S/. 29,924.15
16 S/. 29,924.15 S/. 1,605.46 S/. 5,376.17 S/. 6,981.63 S/. 24,547.98
17 S/. 24,547.98 S/. 1,317.02 S/. 5,664.60 S/. 6,981.63 S/. 18,883.37
18 S/. 18,883.37 S/. 1,013.11 S/. 5,968.52 S/. 6,981.63 S/. 12,914.86
19 S/. 12,914.86 S/. 692.89 S/. 6,288.73 S/. 6,981.63 S/. 6,626.13
20 S/. 6,626.13 S/. 355.50 S/. 6,626.13 S/. 6,981.63 S/. -
S/. 55,257.50
otal a pagar formula mas facil
ENTIDAD FINACIERA C
DEUDA = S/. 84,375.00
TASA ANUAL= 24.50%
TASA TRIMESTRA = 5.63123%
TIEMPO DE PAGO = 5 AÑOS
PAGO TRIMESTAR = 4 TRIMESTRES
TOTAL PAG. TRIMESTRA = 20 CUOTAS
PERIDO DE GRAC. CON total a pagar
DESEMBOLSO DE INTERE = 6 S/.8,871.35
TOTAL PAGOS CUOTAS = 14
AÑO DEUDA INTERES AMORTIZACION TOTL. A PAGAR SALDO
1 S/. 84,375.00 S/. 4,751.35 S/. 4,751.35 S/. 84,375.00
2 S/. 84,375.00 S/. 4,751.35 S/. 4,751.35 S/. 84,375.00
3 S/. 84,375.00 S/. 4,751.35 S/. 4,751.35 S/. 84,375.00
4 S/. 84,375.00 S/. 4,751.35 S/. 4,751.35 S/. 84,375.00
5 S/. 84,375.00 S/. 4,751.35 S/. 4,751.35 S/. 84,375.00
6 S/. 84,375.00 S/. 4,751.35 S/. 4,751.35 S/. 84,375.00
7 S/. 84,375.00 S/. 4,751.35 S/. 4,120.00 S/. 8,871.35 S/. 80,255.00
8 S/. 80,255.00 S/. 4,519.34 S/. 4,352.00 S/. 8,871.35 S/. 75,903.00
9 S/. 75,903.00 S/. 4,274.27 S/. 4,597.07 S/. 8,871.35 S/. 71,305.93
10 S/. 71,305.93 S/. 4,015.40 S/. 4,855.95 S/. 8,871.35 S/. 66,449.98
11 S/. 66,449.98 S/. 3,741.95 S/. 5,129.40 S/. 8,871.35 S/. 61,320.59
12 S/. 61,320.59 S/. 3,453.10 S/. 5,418.24 S/. 8,871.35 S/. 55,902.34
13 S/. 55,902.34 S/. 3,147.99 S/. 5,723.36 S/. 8,871.35 S/. 50,178.98
14 S/. 50,178.98 S/. 2,825.69 S/. 6,045.65 S/. 8,871.35 S/. 44,133.33
15 S/. 44,133.33 S/. 2,485.25 S/. 6,386.10 S/. 8,871.35 S/. 37,747.23
16 S/. 37,747.23 S/. 2,125.63 S/. 6,745.71 S/. 8,871.35 S/. 31,001.52
17 S/. 31,001.52 S/. 1,745.77 S/. 7,125.58 S/. 8,871.35 S/. 23,875.94
18 S/. 23,875.94 S/. 1,344.51 S/. 7,526.84 S/. 8,871.35 S/. 16,349.10
19 S/. 16,349.10 S/. 920.66 S/. 7,950.69 S/. 8,871.35 S/. 8,398.41
20 S/. 8,398.41 S/. 472.93 S/. 8,398.41 S/. 8,871.35 S/. -
S/. 68,331.96
otal a pagar
