PROBLEMA:

Se otorgo un credito por S/ 10000 a 12 meses a una TEA del 12% con cuotas vencidas e iguales.

PERIODO SALDO INICIAL INTERES AMORTIZACION

MONTO DESEMBOLSADO S/10,000.00
PLAZO 12 1 S/10,000.00 S/94.89 S/790.73
TEA 12% 2 S/9,209.27 S/87.38 S/798.24
TEM 0.94887929% 3 S/8,411.03 S/79.81 S/805.81
PERIODO DE GRACIA 4 S/7,605.22 S/72.16 S/813.46
CUOTA VENCIDA S/885.62 5 S/6,791.76 S/64.45 S/821.18
CUOTA ANTICIPADA 6 S/5,970.59 S/56.65 S/828.97
7 S/5,141.62 S/48.79 S/836.83
8 S/4,304.79 S/40.85 S/844.77
9 S/3,460.02 S/32.83 S/852.79
10 S/2,607.23 S/24.74 S/860.88
11 S/1,746.35 S/16.57 S/869.05
12 S/877.30 S/8.32 S/877.30
vencidas e iguales.

SALDO
CUOTA
CAPITAL

S/885.62 S/9,209.27
S/885.62 S/8,411.03
S/885.62 S/7,605.22
S/885.62 S/6,791.76
S/885.62 S/5,970.59
S/885.62 S/5,141.62
S/885.62 S/4,304.79
S/885.62 S/3,460.02
S/885.62 S/2,607.23
S/885.62 S/1,746.35
S/885.62 S/877.30
S/885.62 S/0.00
PROBLEMA:

Se otorgo un credito por S/ 10000 a 12 meses a una TEA del 12% con cuotas vencidas e iguales, c
periodo de gracia de 90 dias.

PERIODO SALDO INICIAL INTERES AMORTIZACION

MONTO DESEMBOLSADO S/10,000.00
PLAZO 12 1 S/10,000.00 S/94.89 S/0.00
TEA 12% 2 S/10,094.89 S/95.79 S/0.00
TEM 0.94887929% 3 S/10,190.68 S/96.70 S/805.81
PERIODO DE GRACIA 90 dias 4 S/9,384.87 S/89.05 S/813.46
CUOTA VENCIDA S/885.62 5 S/8,571.41 S/81.33 S/821.18
CUOTA ANTICIPADA 6 S/7,750.23 S/73.54 S/828.97
CUOTA DIFERIDA S/902.51 7 S/6,921.27 S/65.67 S/836.83
8 S/6,084.43 S/57.73 S/844.77
9 S/5,239.66 S/49.72 S/852.79
10 S/4,386.87 S/41.63 S/860.88
11 S/3,525.99 S/33.46 S/869.05
12 S/2,656.94 S/25.21 S/877.30
13 S/1,779.64 S/16.89 S/885.62
14 S/894.02 S/8.48 S/894.02
vencidas e iguales, con un

CUOTA SALDO CAPITAL

S/0.00 S/10,094.89
S/0.00 S/10,190.68
S/902.51 S/9,384.87
S/902.51 S/8,571.41
S/902.51 S/7,750.23
S/902.51 S/6,921.27
S/902.51 S/6,084.43
S/902.51 S/5,239.66
S/902.51 S/4,386.87
S/902.51 S/3,525.99
S/902.51 S/2,656.94
S/902.51 S/1,779.64
S/902.51 S/894.02
S/902.51 S/0.00
PROBLEMA:

Se otorgo un credito por S/ 10000 a 12 meses a una TEA del 12% con cuotas anticipadas e ig

PERIODO SALDO INICIAL INTERES

MONTO DESEMBOLSADO S/10,000.00
PLAZO 12 0 S/10,000.00
TEA 12% 1 S/9,122.70 S/86.56
TEM 0.94887929% 2 S/8,331.97 S/79.06
PERIODO DE GRACIA 3 S/7,533.74 S/71.49
CUOTA VENCIDA S/885.62 4 S/6,727.93 S/63.84
CUOTA ANTICIPADA S/877.30 5 S/5,914.47 S/56.12
6 S/5,093.29 S/48.33
7 S/4,264.33 S/40.46
8 S/3,427.49 S/32.52
9 S/2,582.72 S/24.51
10 S/1,729.93 S/16.41
11 S/869.05 S/8.25
2% con cuotas anticipadas e iguales.

SALDO
AMORTIZACION CUOTA
CAPITAL

S/877.30 S/877.30 S/9,122.70

S/790.73 S/877.30 S/8,331.97
S/798.24 S/877.30 S/7,533.74
S/805.81 S/877.30 S/6,727.93
S/813.46 S/877.30 S/5,914.47
S/821.18 S/877.30 S/5,093.29
S/828.97 S/877.30 S/4,264.33
S/836.83 S/877.30 S/3,427.49
S/844.77 S/877.30 S/2,582.72
S/852.79 S/877.30 S/1,729.93
S/860.88 S/877.30 S/869.05
S/869.05 S/877.30 S/0.00
MONTO DESEMBOLSADO
PLAZO
TEA
TEM
PERIODO DE GRACIA
CUOTA VENCIDA
CUOTA ANTICIPADA
 S/35,700.00
PERIODO SALDO INICIAL INTERES
36
13% 1 S/35,700.00 S/734.65
2.05784820% 2 S/35,020.99 S/720.68
3 S/34,328.01 S/706.42
S/1,413.66 4 S/33,620.78 S/691.86
5 S/32,898.98 S/677.01
6 S/32,162.34 S/661.85
7 S/31,410.53 S/646.38
8 S/30,643.25 S/630.59
9 S/29,860.19 S/614.48
10 S/29,061.01 S/598.03
11 S/28,245.38 S/581.25
12 S/27,412.97 S/564.12
13 S/26,563.43 S/546.64
14 S/25,696.41 S/528.79
15 S/24,811.54 S/510.58
16 S/23,908.47 S/492.00
17 S/22,986.81 S/473.03
18 S/22,046.18 S/453.68
19 S/21,086.20 S/433.92
20 S/20,106.47 S/413.76
21 S/19,106.57 S/393.18
22 S/18,086.10 S/372.18
23 S/17,044.62 S/350.75
24 S/15,981.72 S/328.88
25 S/14,896.94 S/306.56
26 S/13,789.84 S/283.77
27 S/12,659.95 S/260.52
28 S/11,506.82 S/236.79
29 S/10,329.95 S/212.57
30 S/9,128.87 S/187.86
31 S/7,903.07 S/162.63
32 S/6,652.05 S/136.89
33 S/5,375.28 S/110.62
34 S/4,072.23 S/83.80
35 S/2,742.38 S/56.43
36 S/1,385.15 S/28.50
AMORTIZACIO SALDO
N CUOTA CAPITAL

S/679.01 S/1,413.66 S/35,020.99

S/692.98 S/1,413.66 S/34,328.01
S/707.24 S/1,413.66 S/33,620.78
S/721.79 S/1,413.66 S/32,898.98
S/736.65 S/1,413.66 S/32,162.34
S/751.81 S/1,413.66 S/31,410.53
S/767.28 S/1,413.66 S/30,643.25
S/783.07 S/1,413.66 S/29,860.19
S/799.18 S/1,413.66 S/29,061.01
S/815.63 S/1,413.66 S/28,245.38
S/832.41 S/1,413.66 S/27,412.97
S/849.54 S/1,413.66 S/26,563.43
S/867.02 S/1,413.66 S/25,696.41
S/884.86 S/1,413.66 S/24,811.54
S/903.07 S/1,413.66 S/23,908.47
S/921.66 S/1,413.66 S/22,986.81
S/940.62 S/1,413.66 S/22,046.18
S/959.98 S/1,413.66 S/21,086.20
S/979.74 S/1,413.66 S/20,106.47
S/999.90 S/1,413.66 S/19,106.57
S/1,020.47 S/1,413.66 S/18,086.10
S/1,041.47 S/1,413.66 S/17,044.62
S/1,062.91 S/1,413.66 S/15,981.72
S/1,084.78 S/1,413.66 S/14,896.94
S/1,107.10 S/1,413.66 S/13,789.84
S/1,129.88 S/1,413.66 S/12,659.95
S/1,153.14 S/1,413.66 S/11,506.82
S/1,176.86 S/1,413.66 S/10,329.95
S/1,201.08 S/1,413.66 S/9,128.87
S/1,225.80 S/1,413.66 S/7,903.07
S/1,251.02 S/1,413.66 S/6,652.05
S/1,276.77 S/1,413.66 S/5,375.28
S/1,303.04 S/1,413.66 S/4,072.23
S/1,329.86 S/1,413.66 S/2,742.38
S/1,357.22 S/1,413.66 S/1,385.15
S/1,385.15 S/1,413.66 S/0.00
MONTO DESEMBOLSADO S/24,100.00
PLAZO 36
TEA 15%
TEM 1.1714916919853400%
PERIODO DE GRACIA
CUOTA VENCIDA S/824.36
CUOTA ANTICIPADA
 AMORTIZACIO SALDO
PERIODO SALDO INICIAL INTERES N CUOTA CAPITAL

1 S/24,100.00 S/282.33 S/542.03 S/824.36 S/23,557.97

2 S/23,557.97 S/275.98 S/548.38 S/824.36 S/23,009.59
3 S/23,009.59 S/269.56 S/554.80 S/824.36 S/22,454.79
4 S/22,454.79 S/263.06 S/561.30 S/824.36 S/21,893.49
5 S/21,893.49 S/256.48 S/567.88 S/824.36 S/21,325.61
6 S/21,325.61 S/249.83 S/574.53 S/824.36 S/20,751.08
7 S/20,751.08 S/243.10 S/581.26 S/824.36 S/20,169.81
8 S/20,169.81 S/236.29 S/588.07 S/824.36 S/19,581.74
9 S/19,581.74 S/229.40 S/594.96 S/824.36 S/18,986.78
10 S/18,986.78 S/222.43 S/601.93 S/824.36 S/18,384.85
11 S/18,384.85 S/215.38 S/608.98 S/824.36 S/17,775.87
12 S/17,775.87 S/208.24 S/616.12 S/824.36 S/17,159.76
13 S/17,159.76 S/201.03 S/623.33 S/824.36 S/16,536.42
14 S/16,536.42 S/193.72 S/630.64 S/824.36 S/15,905.79
15 S/15,905.79 S/186.33 S/638.02 S/824.36 S/15,267.76
16 S/15,267.76 S/178.86 S/645.50 S/824.36 S/14,622.26
17 S/14,622.26 S/171.30 S/653.06 S/824.36 S/13,969.20
18 S/13,969.20 S/163.65 S/660.71 S/824.36 S/13,308.49
19 S/13,308.49 S/155.91 S/668.45 S/824.36 S/12,640.04
20 S/12,640.04 S/148.08 S/676.28 S/824.36 S/11,963.76
21 S/11,963.76 S/140.15 S/684.20 S/824.36 S/11,279.56
22 S/11,279.56 S/132.14 S/692.22 S/824.36 S/10,587.34
23 S/10,587.34 S/124.03 S/700.33 S/824.36 S/9,887.01
24 S/9,887.01 S/115.83 S/708.53 S/824.36 S/9,178.47
25 S/9,178.47 S/107.53 S/716.83 S/824.36 S/8,461.64
26 S/8,461.64 S/99.13 S/725.23 S/824.36 S/7,736.41
27 S/7,736.41 S/90.63 S/733.73 S/824.36 S/7,002.68
28 S/7,002.68 S/82.04 S/742.32 S/824.36 S/6,260.36
29 S/6,260.36 S/73.34 S/751.02 S/824.36 S/5,509.34
30 S/5,509.34 S/64.54 S/759.82 S/824.36 S/4,749.52
31 S/4,749.52 S/55.64 S/768.72 S/824.36 S/3,980.80
32 S/3,980.80 S/46.63 S/777.72 S/824.36 S/3,203.08
33 S/3,203.08 S/37.52 S/786.83 S/824.36 S/2,416.24
34 S/2,416.24 S/28.31 S/796.05 S/824.36 S/1,620.19
35 S/1,620.19 S/18.98 S/805.38 S/824.36 S/814.81
36 S/814.81 S/9.55 S/814.81 S/824.36 S/0.00
MONTO DESEMBOLSADO S/51,090.00
PLAZO 72
TEA 15%
TEM 1.9500000000000%
PERIODO DE GRACIA
CUOTA VENCIDA S/1,326.49
CUOTA ANTICIPADA
 AMORTIZACIO
PERIODO SALDO INICIAL INTERES N CUOTA

1 S/51,090.00 S/996.26 S/330.24 S/1,326.49

2 S/50,759.76 S/989.82 S/336.67 S/1,326.49
3 S/50,423.09 S/983.25 S/343.24 S/1,326.49
4 S/50,079.85 S/976.56 S/349.93 S/1,326.49
5 S/49,729.92 S/969.73 S/356.76 S/1,326.49
6 S/49,373.16 S/962.78 S/363.71 S/1,326.49
7 S/49,009.45 S/955.68 S/370.81 S/1,326.49
8 S/48,638.64 S/948.45 S/378.04 S/1,326.49
9 S/48,260.60 S/941.08 S/385.41 S/1,326.49
10 S/47,875.19 S/933.57 S/392.92 S/1,326.49
11 S/47,482.27 S/925.90 S/400.59 S/1,326.49
12 S/47,081.68 S/918.09 S/408.40 S/1,326.49
13 S/46,673.29 S/910.13 S/416.36 S/1,326.49
14 S/46,256.93 S/902.01 S/424.48 S/1,326.49
15 S/45,832.45 S/893.73 S/432.76 S/1,326.49
16 S/45,399.69 S/885.29 S/441.20 S/1,326.49
17 S/44,958.49 S/876.69 S/449.80 S/1,326.49
18 S/44,508.69 S/867.92 S/458.57 S/1,326.49
19 S/44,050.12 S/858.98 S/467.51 S/1,326.49
20 S/43,582.61 S/849.86 S/476.63 S/1,326.49
21 S/43,105.98 S/840.57 S/485.92 S/1,326.49
22 S/42,620.05 S/831.09 S/495.40 S/1,326.49
23 S/42,124.66 S/821.43 S/505.06 S/1,326.49
24 S/41,619.60 S/811.58 S/514.91 S/1,326.49
25 S/41,104.69 S/801.54 S/524.95 S/1,326.49
26 S/40,579.74 S/791.30 S/535.19 S/1,326.49
27 S/40,044.55 S/780.87 S/545.62 S/1,326.49
28 S/39,498.93 S/770.23 S/556.26 S/1,326.49
29 S/38,942.67 S/759.38 S/567.11 S/1,326.49
30 S/38,375.56 S/748.32 S/578.17 S/1,326.49
31 S/37,797.40 S/737.05 S/589.44 S/1,326.49
32 S/37,207.95 S/725.56 S/600.94 S/1,326.49
33 S/36,607.02 S/713.84 S/612.65 S/1,326.49
34 S/35,994.37 S/701.89 S/624.60 S/1,326.49
35 S/35,369.77 S/689.71 S/636.78 S/1,326.49
36 S/34,732.99 S/677.29 S/649.20 S/1,326.49
37 S/34,083.79 S/664.63 S/661.86 S/1,326.49
38 S/33,421.93 S/651.73 S/674.76 S/1,326.49
39 S/32,747.17 S/638.57 S/687.92 S/1,326.49
40 S/32,059.25 S/625.16 S/701.33 S/1,326.49
41 S/31,357.91 S/611.48 S/715.01 S/1,326.49
42 S/30,642.90 S/597.54 S/728.95 S/1,326.49
43 S/29,913.95 S/583.32 S/743.17 S/1,326.49
44 S/29,170.78 S/568.83 S/757.66 S/1,326.49
45 S/28,413.12 S/554.06 S/772.43 S/1,326.49
46 S/27,640.69 S/538.99 S/787.50 S/1,326.49
47 S/26,853.19 S/523.64 S/802.85 S/1,326.49
48 S/26,050.34 S/507.98 S/818.51 S/1,326.49
49 S/25,231.83 S/492.02 S/834.47 S/1,326.49
50 S/24,397.36 S/475.75 S/850.74 S/1,326.49
51 S/23,546.62 S/459.16 S/867.33 S/1,326.49
52 S/22,679.28 S/442.25 S/884.24 S/1,326.49
53 S/21,795.04 S/425.00 S/901.49 S/1,326.49
54 S/20,893.55 S/407.42 S/919.07 S/1,326.49
55 S/19,974.49 S/389.50 S/936.99 S/1,326.49
56 S/19,037.50 S/371.23 S/955.26 S/1,326.49
57 S/18,082.24 S/352.60 S/973.89 S/1,326.49
58 S/17,108.35 S/333.61 S/992.88 S/1,326.49
59 S/16,115.48 S/314.25 S/1,012.24 S/1,326.49
60 S/15,103.24 S/294.51 S/1,031.98 S/1,326.49
61 S/14,071.26 S/274.39 S/1,052.10 S/1,326.49
62 S/13,019.16 S/253.87 S/1,072.62 S/1,326.49
63 S/11,946.54 S/232.96 S/1,093.53 S/1,326.49
64 S/10,853.01 S/211.63 S/1,114.86 S/1,326.49
65 S/9,738.15 S/189.89 S/1,136.60 S/1,326.49
66 S/8,601.56 S/167.73 S/1,158.76 S/1,326.49
67 S/7,442.80 S/145.13 S/1,181.36 S/1,326.49
68 S/6,261.44 S/122.10 S/1,204.39 S/1,326.49
69 S/5,057.05 S/98.61 S/1,227.88 S/1,326.49
70 S/3,829.17 S/74.67 S/1,251.82 S/1,326.49
71 S/2,577.35 S/50.26 S/1,276.23 S/1,326.49
72 S/1,301.12 S/25.37 S/1,301.12 S/1,326.49
 SALDO
CAPITAL

S/50,759.76
S/50,423.09
S/50,079.85
S/49,729.92
S/49,373.16
S/49,009.45
S/48,638.64
S/48,260.60
S/47,875.19
S/47,482.27
S/47,081.68
S/46,673.29
S/46,256.93
S/45,832.45
S/45,399.69
S/44,958.49
S/44,508.69
S/44,050.12
S/43,582.61
S/43,105.98
S/42,620.05
S/42,124.66
S/41,619.60
S/41,104.69
S/40,579.74
S/40,044.55
S/39,498.93
S/38,942.67
S/38,375.56
S/37,797.40
S/37,207.95
S/36,607.02
S/35,994.37
S/35,369.77
S/34,732.99
S/34,083.79
S/33,421.93
S/32,747.17
S/32,059.25
S/31,357.91
S/30,642.90
S/29,913.95
S/29,170.78
S/28,413.12
S/27,640.69
S/26,853.19
S/26,050.34
S/25,231.83
S/24,397.36
S/23,546.62
S/22,679.28
S/21,795.04
S/20,893.55
S/19,974.49
S/19,037.50
S/18,082.24
S/17,108.35
S/16,115.48
S/15,103.24
S/14,071.26
S/13,019.16
S/11,946.54
S/10,853.01
S/9,738.15
S/8,601.56
S/7,442.80
S/6,261.44
S/5,057.05
S/3,829.17
S/2,577.35
S/1,301.12
S/0.00
MONTO DESEMBOLSADO S/15,000.00
PLAZO 12
TES 18%
TEM 2.79697492%
PERIODO DE GRACIA 90 dias
CUOTA VENCIDA S/1,488.73
CUOTA ANTICIPADA
CUOTA DIFERIDA S/1,839.00
 AMORTIZACIO
SALDO INICIAL INTERES N

1 S/15,000.00 S/419.55 S/0.00

2 S/15,419.55 S/431.28 S/0.00
3 S/15,850.83 S/443.34 S/1,395.65
4 S/14,455.17 S/404.31 S/1,434.69
5 S/13,020.48 S/364.18 S/1,474.82
6 S/11,545.66 S/322.93 S/1,516.07
7 S/10,029.59 S/280.53 S/1,558.47
8 S/8,471.12 S/236.94 S/1,602.06
9 S/6,869.06 S/192.13 S/1,646.87
10 S/5,222.18 S/146.06 S/1,692.94
11 S/3,529.25 S/98.71 S/1,740.29
12 S/1,788.96 S/50.04 S/1,788.96

MONTO DESEMBOLSADO S/50,000.00

MONTO CAPITALIZADO S/51,324.60
PLAZO 6 1
TET 4% 2
TEM 1.32% 3
TEB 2.65% 4
PERIODO DE GRACIA 120 dias 5
CUOTA VENCIDA 6
CUOTA ANTICIPADA 7
CUOTA DIFERIDA S/9,364.53 8
CUOTA DIFERIDA REAL
 SALDO
CUOTA CAPITAL

S/0.00 S/15,419.55
S/0.00 S/15,850.83
S/1,839.00 S/14,455.17
S/1,839.00 S/13,020.48
S/1,839.00 S/11,545.66
S/1,839.00 S/10,029.59
S/1,839.00 S/8,471.12
S/1,839.00 S/6,869.06
S/1,839.00 S/5,222.18
S/1,839.00 S/3,529.25
S/1,839.00 S/1,788.96
S/1,839.00 S/0.00

AMORTIZACIO SALDO
SALDO INICIAL INTERES CUOTA
N CAPITAL

S/50,000.00 S/657.97 S/0.00 S/0.00 S/50,657.97

S/50,657.97 S/666.63 S/0.00 S/0.00 S/51,324.60
S/51,324.60 S/1,359.69 S/8,004.84 S/9,364.53 S/43,319.76
S/43,319.76 S/1,147.63 S/8,216.90 S/9,364.53 S/35,102.86
S/35,102.86 S/929.94 S/8,434.58 S/9,364.53 S/26,668.28
S/26,668.28 S/706.50 S/8,658.03 S/9,364.53 S/18,010.25
S/18,010.25 S/477.13 S/8,887.40 S/9,364.53 S/9,122.85
S/9,122.85 S/241.68 S/9,122.85 S/9,364.53 S/0.00
MONTO DESEMBOLSADO S/15,000.00
PLAZO 12
SALDO INICIAL
TES 18%
TEM 2.79697492% 1 S/50,000.00
PERIODO DE GRACIA 90 dias 2 S/50,657.97
CUOTA VENCIDA S/1,488.73 3 S/52,074.86
CUOTA ANTICIPADA 4 S/51,692.38
CUOTA DIFERIDA S/0.00 5 S/51,299.21
6 S/50,895.04
7 S/50,479.56
8 S/50,052.46
9 S/49,613.42
10 S/49,162.09
11 S/48,698.15
12 S/48,221.22
 AMORTIZACIO SALDO
INTERES N CUOTA CAPITAL

S/657.97 S/0.00 S/0.00 S/50,657.97

S/1,416.89 S/0.00 S/0.00 S/52,074.86
S/1,456.52 S/382.48 S/1,839.00 S/51,692.38
S/1,445.82 S/393.18 S/1,839.00 S/51,299.21
S/1,434.83 S/404.17 S/1,839.00 S/50,895.04
S/1,423.52 S/415.48 S/1,839.00 S/50,479.56
S/1,411.90 S/427.10 S/1,839.00 S/50,052.46
S/1,399.95 S/439.04 S/1,839.00 S/49,613.42
S/1,387.67 S/451.32 S/1,839.00 S/49,162.09
S/1,375.05 S/463.95 S/1,839.00 S/48,698.15
S/1,362.07 S/476.92 S/1,839.00 S/48,221.22
S/1,348.74 S/490.26 S/1,839.00 S/47,730.96
MONTO DESEMBOLSADO S/10,000.00
PLAZO 12
TEA 12%
TEM 0.94887929%
PERIODO DE GRACIA
CUOTA VENCIDA S/885.62
CUOTA ANTICIPADA S/877.30
 AMORTIZACIO SALDO
PERIODO SALDO INICIAL INTERES N CUOTA CAPITAL

0 S/0.00 S/0.00 S/0.00 S/0.00

1 S/0.00 S/0.00 S/0.00 S/0.00 S/0.00
2 S/0.00 S/0.00 S/0.00 S/0.00 S/0.00
3 S/0.00 S/0.00 S/0.00 S/0.00 S/0.00
4 S/0.00 S/0.00 S/0.00 S/0.00 S/0.00
5 S/0.00 S/0.00 S/0.00 S/0.00 S/0.00
6 S/0.00 S/0.00 S/0.00 S/0.00 S/0.00
7 S/0.00 S/0.00 S/0.00 S/0.00 S/0.00
8 S/0.00 S/0.00 S/0.00 S/0.00 S/0.00
9 S/0.00 S/0.00 S/0.00 S/0.00 S/0.00
10 S/0.00 S/0.00 S/0.00 S/0.00 S/0.00
11 S/0.00 S/0.00 S/0.00 S/0.00 S/0.00