1 Se desea adquirir un bien valorizado en US$ 10,500 a un plazo de tres aos. Elaborar el cronograma
de cuotas iguales mensuales modalidad vencida si el banco cobra una tasa efectiva anual de 18%. El desembolso del
del credito se efectuara el 15/2/2014
P
n
TEA
TEM
Mod vencida
Cuota
Fecha de
vencimiento
2/15/2014
3/17/2014
4/16/2014
5/16/2014
6/15/2014
7/15/2014
8/14/2014
9/13/2014
10/13/2014
11/12/2014
12/12/2014
1/11/2015
2/10/2015
3/12/2015
4/11/2015
5/11/2015
6/10/2015
7/10/2015
8/9/2015
9/8/2015
10/8/2015
11/7/2015
12/7/2015
1/6/2016
2/5/2016
3/6/2016
4/5/2016
5/5/2016
10,500.00
36 cuotas
18.0%
1.39%
372.61
Num. de
cuota
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
Saldo inicial
del capital
10,500.00
10,273.22
10,043.28
9,810.16
9,573.80
9,334.15
9,091.18
8,844.83
8,595.06
8,341.82
8,085.06
7,824.74
7,560.80
7,293.20
7,021.88
6,746.79
6,467.88
6,185.10
5,898.39
5,607.69
5,312.97
5,014.14
4,711.17
4,403.99
4,092.54
3,776.77
3,456.61
Cuota
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
Intereses
145.83
142.68
139.49
136.25
132.96
129.64
126.26
122.84
119.37
115.85
112.29
108.67
105.01
101.29
97.52
93.70
89.83
85.90
81.92
77.88
73.79
69.64
65.43
61.16
56.84
52.45
48.01
Amortizacion
del capital
226.78
229.93
233.13
236.36
239.65
242.97
246.35
249.77
253.24
256.76
260.32
263.94
267.60
271.32
275.09
278.91
282.78
286.71
290.69
294.73
298.82
302.97
307.18
311.45
315.77
320.16
324.60
6/4/2016
7/4/2016
8/3/2016
9/2/2016
10/2/2016
11/1/2016
12/1/2016
12/31/2016
1/30/2017
28
29
30
31
32
33
34
35
36
3,132.01
2,802.90
2,469.21
2,130.89
1,787.88
1,440.10
1,087.49
729.98
367.51
Totales
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
372.61
43.50
38.93
34.29
29.59
24.83
20.00
15.10
10.14
5.10
329.11
333.68
338.32
343.02
347.78
352.61
357.51
362.47
367.51
13,414.00
2,914.00
10,500.00
2 El Sr. Perez desea financiar a 48 meses la adquisicion de un automovil valorizado en US$ 40,000 y conviene con el
banco en que es capaz de pagar en las cuotas de julio y diciembre, cuota y media y doble cuota respectivamente.
Si el banco cobra por este tipo de creditos una tasa efectiva anual de 15%, elaborar el cronograma de pagos respectiv
bajo el sistema de cuotas iguales vencidas si el desembolso se efectuara el 25/2/2014 y el Sr. Gonzales pone el 20%
del valor del vehiculo como cuota inicial y el banco financia la diferencia
P
Prestamo
n
TEA
TEM
Mod vencida
Cuota
Fecha de
vencimiento
2/25/2014
3/27/2014
4/26/2014
5/26/2014
6/25/2014
7/25/2014
8/24/2014
9/23/2014
10/23/2014
11/22/2014
12/22/2014
1/21/2015
2/20/2015
3/22/2015
4/21/2015
5/21/2015
6/20/2015
40,000.00
32,000.00
48 cuotas
15.0%
1.17%
779.98
Num. de
cuota
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
Saldo inicial
del capital
32,000.00
31,594.90
31,185.05
30,770.40
30,350.89
29,536.48
29,102.52
28,663.47
28,219.28
27,769.89
26,535.25
26,066.13
25,591.51
25,111.33
24,625.53
24,134.03
Julio
Diciembre
Cuota
779.98
779.98
779.98
779.98
1,169.97
779.98
779.98
779.98
779.98
1,559.96
779.98
779.98
779.98
779.98
779.98
779.98
Intereses
374.88
370.13
365.33
360.47
355.56
346.02
340.93
335.79
330.59
325.32
310.86
305.36
299.80
294.18
288.49
282.73
1.5
2
Amortizacion
del capital
405.10
409.85
414.65
419.51
814.41
433.96
439.05
444.19
449.39
1,234.64
469.12
474.62
480.18
485.80
491.49
497.25
7/20/2015
8/19/2015
9/18/2015
10/18/2015
11/17/2015
12/17/2015
1/16/2016
2/15/2016
3/16/2016
4/15/2016
5/15/2016
6/14/2016
7/14/2016
8/13/2016
9/12/2016
10/12/2016
11/11/2016
12/11/2016
1/10/2017
2/9/2017
3/11/2017
4/10/2017
5/10/2017
6/9/2017
7/9/2017
8/8/2017
9/7/2017
10/7/2017
11/6/2017
12/6/2017
1/5/2018
2/4/2018
Totales
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
23,636.78
22,743.71
22,230.18
21,710.62
21,184.98
20,653.18
19,335.17
18,781.70
18,221.74
17,655.23
17,082.08
16,502.21
15,915.56
14,932.04
14,326.98
13,714.84
13,095.53
12,468.96
11,055.08
10,404.61
9,746.51
9,080.71
8,407.11
7,725.62
7,036.15
5,948.60
5,238.31
4,519.70
3,792.67
3,057.12
1,532.97
770.95
1,169.97
779.98
779.98
779.98
779.98
1,559.96
779.98
779.98
779.98
779.98
779.98
779.98
1,169.97
779.98
779.98
779.98
779.98
1,559.96
779.98
779.98
779.98
779.98
779.98
779.98
1,169.97
779.98
779.98
779.98
779.98
1,559.96
779.98
779.98
276.90
266.44
260.42
254.34
248.18
241.95
226.51
220.03
213.47
206.83
200.12
193.32
186.45
174.93
167.84
160.67
153.41
146.07
129.51
121.89
114.18
106.38
98.49
90.51
82.43
69.69
61.37
52.95
44.43
35.81
17.96
9.03
893.07
513.54
519.56
525.64
531.80
1,318.01
553.47
559.95
566.51
573.15
579.86
586.66
983.52
605.05
612.14
619.31
626.57
1,413.89
650.47
658.09
665.80
673.60
681.49
689.48
1,087.54
710.29
718.61
727.03
735.55
1,524.15
762.02
770.95
42,118.93
10,118.93
32,000.00
Saldo final
del capital
10,273.22
10,043.28
9,810.16
9,573.80
9,334.15
9,091.18
8,844.83
8,595.06
8,341.82
8,085.06
7,824.74
7,560.80
7,293.20
7,021.88
6,746.79
6,467.88
6,185.10
5,898.39
5,607.69
5,312.97
5,014.14
4,711.17
4,403.99
4,092.54
3,776.77
3,456.61
3,132.01
2,802.90
2,469.21
2,130.89
1,787.88
1,440.10
1,087.49
729.98
367.51
-
00 y conviene con el
ta respectivamente.
rama de pagos respectivo
Gonzales pone el 20%
cuotas
cuotas
Saldo final
del capital
31,594.90
31,185.05
30,770.40
30,350.89
29,536.48
29,102.52
28,663.47
28,219.28
27,769.89
26,535.25
26,066.13
25,591.51
25,111.33
24,625.53
24,134.03
23,636.78
22,743.71
22,230.18
21,710.62
21,184.98
20,653.18
19,335.17
18,781.70
18,221.74
17,655.23
17,082.08
16,502.21
15,915.56
14,932.04
14,326.98
13,714.84
13,095.53
12,468.96
11,055.08
10,404.61
9,746.51
9,080.71
8,407.11
7,725.62
7,036.15
5,948.60
5,238.31
4,519.70
3,792.67
3,057.12
1,532.97
770.95
-
ondicion especial