Datos:

saldo 30000 pre de gracia

plazo 18
tea 4% tem 0.0032737398
Tasa imp.: 30%
Comi de admi: 2.5% 750
Comi (spread): 0.05%
Por y mante 20
n saldo interes amortizacion
0 30000
1 30000 0 0
2 30000 0 0
3 30196.75 98.856 S/.1,631.40
4 S/.28,565.35 S/.93.52 S/.1,636.74
5 S/.26,928.61 S/.88.16 S/.1,642.10
6 S/.25,286.51 S/.82.78 S/.1,647.47
7 S/.23,639.04 S/.77.39 S/.1,652.87
8 S/.21,986.17 S/.71.98 S/.1,658.28
9 S/.20,327.90 S/.66.55 S/.1,663.71
10 S/.18,664.19 S/.61.10 S/.1,669.15
11 S/.16,995.04 S/.55.64 S/.1,674.62
12 S/.15,320.42 S/.50.16 S/.1,680.10
13 S/.13,640.32 S/.44.65 S/.1,685.60
14 S/.11,954.72 S/.39.14 S/.1,691.12
15 S/.10,263.60 S/.33.60 S/.1,696.65
16 S/.8,566.95 S/.28.05 S/.1,702.21
17 S/.6,864.74 S/.22.47 S/.1,707.78
18 S/.5,156.96 S/.16.88 S/.1,713.37
19 S/.3,443.59 S/.11.27 S/.1,718.98
20 S/.1,724.61 S/.5.65 S/.1,724.61
S/.30,196.75

n saldo interes amortizacion

0 30000
1 30000 0 0
2 30000 0 0
3 30196.75 98.856 S/.1,631.40
4 S/.28,565.35 S/.93.52 S/.1,636.74
5 S/.26,928.61 S/.152.26 S/.1,612.81
6 S/.25,315.80 S/.143.14 S/.1,621.93
7 S/.23,693.88 S/.133.97 S/.1,631.10
8 S/.22,062.78 S/.124.75 S/.1,640.32
9 S/.20,422.46 S/.115.47 S/.1,649.59
10 S/.18,772.87 S/.106.14 S/.1,658.92
11 S/.17,113.95 S/.96.76 S/.1,668.30
12 S/.15,445.65 S/.87.33 S/.1,677.73
13 S/.13,767.91 S/.77.85 S/.1,687.22
14 S/.12,080.69 S/.68.31 S/.1,696.76
15 S/.10,383.93 S/.58.71 S/.1,706.35
16 S/.8,677.58 S/.49.06 S/.1,716.00
17 S/.6,961.58 S/.39.36 S/.1,725.70
18 S/.5,235.88 S/.29.60 S/.1,735.46
19 S/.3,500.41 S/.19.79 S/.1,745.27
20 S/.1,755.14 S/.9.92 S/.1,755.14
S/.26,928.61

n saldo interes amortizacion

0 30000
1 30000 0 0
2 30000 0 0
3 30196.75 98.856 S/.1,631.40
4 S/.28,565.35 S/.93.52 S/.1,636.74
5 S/.26,928.61 S/.152.26 S/.1,612.81
6 S/.25,315.80 S/.143.14 S/.16,621.93
7 S/.8,693.88 S/.49.16 S/.598.49
8 S/.8,095.39 S/.45.77 S/.601.87
9 S/.7,493.51 S/.42.37 S/.605.28
10 S/.6,888.23 S/.38.95 S/.608.70
11 S/.6,279.54 S/.35.51 S/.612.14
12 S/.5,667.39 S/.32.04 S/.615.60
13 S/.5,051.79 S/.28.56 S/.619.08
14 S/.4,432.71 S/.25.06 S/.622.58
15 S/.3,810.12 S/.21.54 S/.626.10
16 S/.3,184.02 S/.18.00 S/.629.64
17 S/.2,554.38 S/.14.44 S/.633.20
18 S/.1,921.17 S/.10.86 S/.636.78
19 S/.1,284.39 S/.7.26 S/.640.38
20 S/.644.01 S/.3.64 S/.644.01
S/.8,693.88
 2

vf S/.30,196.75
cuota S/.1,730.25

cuota Por y manteComi (spread) Tasa imp. Pago Final

0
0
S/.1,730.25 20 15.10 29.66 S/.1,735.70
S/.1,730.25 20 14.28 28.05 S/.1,736.48
S/.1,730.25 20 13.46 26.45 S/.1,737.27
S/.1,730.25 20 12.64 24.83 S/.1,738.06
S/.1,730.25 20 11.82 23.22 S/.1,738.86
S/.1,730.25 20 10.99 21.59 S/.1,739.65
S/.1,730.25 20 10.16 19.96 S/.1,740.45
S/.1,730.25 20 9.33 18.33 S/.1,741.26
S/.1,730.25 20 8.50 16.69 S/.1,742.06
S/.1,730.25 20 7.66 15.05 S/.1,742.87
S/.1,730.25 20 6.82 13.40 S/.1,743.68
S/.1,730.25 20 5.98 11.74 S/.1,744.49
S/.1,730.25 20 5.13 10.08 S/.1,745.31
S/.1,730.25 20 4.28 8.41 S/.1,746.12
S/.1,730.25 20 3.43 6.74 S/.1,746.94
S/.1,730.25 20 2.58 5.06 S/.1,747.77
S/.1,730.25 20 1.72 3.38 S/.1,748.59
S/.1,730.25 20 0.86 1.69 S/.1,749.42
S/.31,364.99

cuota Por y mante Comi (spread) Tasa imp. Pago Final

0
0
S/.1,730.25 20 15.10 29.66 S/.1,735.70
S/.1,730.25 20 14.28 28.05 S/.1,736.48
S/.1,765.07 20 13.46 45.68 S/.1,752.85
S/.1,765.07 20 12.66 42.94 S/.1,754.78
S/.1,765.07 20 11.85 40.19 S/.1,756.72
S/.1,765.07 20 11.03 37.42 S/.1,758.67
S/.1,765.07 20 10.21 34.64 S/.1,760.64
S/.1,765.07 20 9.39 31.84 S/.1,762.61
S/.1,765.07 20 8.56 29.03 S/.1,764.59
S/.1,765.07 20 7.72 26.20 S/.1,766.59
S/.1,765.07 20 6.88 23.35 S/.1,768.60
S/.1,765.07 20 6.04 20.49 S/.1,770.61
S/.1,765.07 20 5.19 17.61 S/.1,772.64
S/.1,765.07 20 4.34 14.72 S/.1,774.68
S/.1,765.07 20 3.48 11.81 S/.1,776.74
S/.1,765.07 20 2.62 8.88 S/.1,778.80
S/.1,765.07 20 1.75 5.94 S/.1,780.88
S/.1,765.07 20 0.88 2.98 S/.1,782.97

cuota Por y mante Comi (spread) Tasa imp. Pago Final

0
0
S/.1,730.25 20 15.10 29.66 S/.1,735.70
S/.1,730.25 20 14.28 28.05 S/.1,736.48
S/.1,765.07 20 13.46 45.68 S/.1,752.85
S/.1,765.07 20 12.66 42.94 S/.1,754.78
S/.647.65 20 4.35 14.75 S/.657.25
S/.647.65 20 4.05 13.73 S/.657.96
S/.647.65 20 3.75 12.71 S/.658.68
S/.647.65 20 3.44 11.68 S/.659.41
S/.647.65 20 3.14 10.65 S/.660.13
S/.647.65 20 2.83 9.61 S/.660.87
S/.647.65 20 2.53 8.57 S/.661.60
S/.647.65 20 2.22 7.52 S/.662.34
S/.647.65 20 1.91 6.46 S/.663.09
S/.647.65 20 1.59 5.40 S/.663.84
S/.647.65 20 1.28 4.33 S/.664.59
S/.647.65 20 0.96 3.26 S/.665.35
S/.647.65 20 0.64 2.18 S/.666.11
S/.647.65 20 0.32 1.09 S/.666.88
a) Determine el costo anual despus de impuestos.

de los 18 meses 0.0723

respuesta del ao 0.0476

Apartir del 5to mes

TEA 7% TEM 0.0057

periodo 16
cuota2 S/.1,765.07

b) Si a partir del mes 5 cambia la tasa a una TEA de 7% determine el imp

 nuevos pagos.

respuesta S/.1,765.07

c) Considerando el cambio de la tasa anterior, si junto con la cuota 6 se

de S/. 15,000 con fines de reducir el plazo de la operacin determine
as como el importe de la nueva cuota.
prepago 15000
periodo 14
respuesta cuota3 S/.647.65
e 7% determine el importe de los
nto con la cuota 6 se hace un prepago
operacin determine este nuevo plazo
DATOS:

Principal 50,000 TEA 6%

Comi spread 0.05% Port y mant 15
Plazo 24 Comi FLAT 2.5%
Per de gracia 1 Tasa impos 30%

n saldo interes amortizacion

0 50,000
1 50,000 0 0
2 50243.38 244.56 S/.1,978.66
3 S/.48,264.72 234.93 S/.1,988.29
4 S/.46,276.43 225.25 S/.1,997.97
5 S/.44,278.46 215.53 S/.2,007.69
6 S/.42,270.77 205.76 S/.2,017.47
7 S/.40,253.30 195.93 S/.2,027.29
8 S/.38,226.02 186.07 S/.2,037.15
9 S/.36,188.86 176.15 S/.2,047.07
10 S/.34,141.79 166.19 S/.2,057.03
11 S/.32,084.76 156.17 S/.2,067.05
12 S/.30,017.71 146.11 S/.2,077.11
13 S/.27,940.61 136.00 S/.2,087.22
14 S/.25,853.39 125.84 S/.2,097.38
15 S/.23,756.01 115.63 S/.2,107.59
16 S/.21,648.42 105.37 S/.2,117.85
17 S/.19,530.58 95.07 S/.2,128.15
18 S/.17,402.42 84.71 S/.2,138.51
19 S/.15,263.91 74.30 S/.2,148.92
20 S/.13,114.99 63.84 S/.2,159.38
21 S/.10,955.60 53.33 S/.2,169.89
22 S/.8,785.71 42.76 S/.2,180.46
23 S/.6,605.25 32.15 S/.2,191.07
24 S/.4,414.19 21.49 S/.2,201.73
25 S/.2,212.45 10.77 S/.2,212.45
S/.50,243.38

n saldo interes amortizacion

0 50,000
1 50,000 0 0
2 50243.38 244.56 S/.1,978.66
 3 S/.48,264.72 234.93 S/.1,988.29
4 S/.46,276.43 225.25 S/.1,997.97
5 S/.44,278.46 215.53 S/.2,007.69
6 S/.42,270.77 205.76 S/.2,017.47
7 S/.40,253.30 195.93 S/.2,027.29
8 S/.38,226.02 186.07 S/.2,037.15
9 S/.36,188.86 176.15 S/.17,047.07
10 S/.19,141.79 93.17 S/.1,153.29
11 S/.17,988.51 87.56 S/.1,158.90
12 S/.16,829.61 81.92 S/.1,164.54
13 S/.15,665.06 76.25 S/.1,170.21
14 S/.14,494.85 70.55 S/.1,175.91
15 S/.13,318.94 64.83 S/.1,181.63
16 S/.12,137.31 59.08 S/.1,187.38
17 S/.10,949.93 53.30 S/.1,193.16
18 S/.9,756.77 47.49 S/.1,198.97
19 S/.8,557.80 41.66 S/.1,204.81
20 S/.7,352.99 35.79 S/.1,210.67
21 S/.6,142.32 29.90 S/.1,216.56
22 S/.4,925.76 23.98 S/.1,222.49
23 S/.3,703.27 18.03 S/.1,228.44
24 S/.2,474.84 12.05 S/.1,234.42
25 S/.1,240.42 6.04 S/.1,240.42
S/.50,243.38

n saldo interes amortizacion

0 50,000
1 50,000 0 0
2 50243.38 244.56 S/.1,978.66
3 S/.48,264.72 234.93 S/.1,988.29
4 S/.46,276.43 225.25 S/.1,997.97
5 S/.44,278.46 215.53 S/.2,007.69
6 S/.42,270.77 205.76 S/.2,017.47
7 S/.40,253.30 195.93 S/.2,027.29
8 S/.38,226.02 186.07 S/.2,037.15
9 S/.36,188.86 176.15 S/.17,047.07
10 S/.19,141.79 93.17 S/.1,153.29
11 S/.17,988.51 87.56 S/.1,158.90
12 S/.16,829.61 81.92 S/.1,164.54
13 S/.15,665.06 76.25 S/.1,170.21
14 S/.14,494.85 70.55 S/.1,175.91
15 S/.13,318.94 64.83 S/.1,181.63
16 S/.12,137.31 78.09 S/.1,179.00
17 S/.10,958.31 70.51 S/.1,186.59
18 S/.9,771.72 62.87 S/.1,194.22
19 S/.8,577.50 55.19 S/.1,201.91
20 S/.7,375.59 47.45 S/.1,209.64
21 S/.6,165.95 39.67 S/.1,217.42
22 S/.4,948.53 31.84 S/.1,225.26
23 S/.3,723.27 23.96 S/.1,233.14
24 S/.2,490.13 16.02 S/.1,241.07
25 S/.1,249.06 8.04 S/.1,249.06
S/.12,137.31
S/.50,243.38
TEM 0.004868

1250
vf S/.50,243.38
cuota S/.2,223.22

cuota Por y mante Comi (spread) Tasa imp. Pago Final

0 0 0 0 0
S/.2,223.22 15 25.12 73.37 S/.2,189.97
S/.2,223.22 15 24.13 70.48 S/.2,191.87
S/.2,223.22 15 23.14 67.58 S/.2,193.78
S/.2,223.22 15 22.14 64.66 S/.2,195.70
S/.2,223.22 15 21.14 61.73 S/.2,197.63
S/.2,223.22 15 20.13 58.78 S/.2,199.57
S/.2,223.22 15 19.11 55.82 S/.2,201.51
S/.2,223.22 15 18.09 52.85 S/.2,203.47
S/.2,223.22 15 17.07 49.86 S/.2,205.44
S/.2,223.22 15 16.04 46.85 S/.2,207.41
S/.2,223.22 15 15.01 43.83 S/.2,209.40
S/.2,223.22 15 13.97 40.80 S/.2,211.39
S/.2,223.22 15 12.93 37.75 S/.2,213.39
S/.2,223.22 15 11.88 34.69 S/.2,215.41
S/.2,223.22 15 10.82 31.61 S/.2,217.43
S/.2,223.22 15 9.77 28.52 S/.2,219.47
S/.2,223.22 15 8.70 25.41 S/.2,221.51
S/.2,223.22 15 7.63 22.29 S/.2,223.56
S/.2,223.22 15 6.56 19.15 S/.2,225.63
S/.2,223.22 15 5.48 16.00 S/.2,227.70
S/.2,223.22 15 4.39 12.83 S/.2,229.78
S/.2,223.22 15 3.30 9.65 S/.2,231.88
S/.2,223.22 15 2.21 6.45 S/.2,233.98
S/.2,223.22 15 1.11 3.23 S/.2,236.10
S/.53,102.98

cuota Por y mante Comi (spread) Tasa imp. Pago Final

0 0 0.00 0.00 0.00

S/.2,223.22 15 25.12 73.37 2189.97
 S/.2,223.22 15 24.13 70.48 2191.87
S/.2,223.22 15 23.14 67.58 2193.78
S/.2,223.22 15 22.14 64.66 2195.70
S/.2,223.22 15 21.14 61.73 2197.63
S/.2,223.22 15 20.13 58.78 2199.57
S/.2,223.22 15 19.11 55.82 2201.51
S/.17,223.22 15 18.09 52.85 2203.47
S/.1,246.46 15 9.57 27.95 2219.84
S/.1,246.46 15 8.99 26.27 2220.95
S/.1,246.46 15 8.41 24.58 2222.06
S/.1,246.46 15 7.83 22.88 2223.18
S/.1,246.46 15 7.25 21.17 2224.30
S/.1,246.46 15 6.66 19.45 2225.43
S/.1,246.46 15 6.07 17.72 2226.57
S/.1,246.46 15 5.47 15.99 2227.71
S/.1,246.46 15 4.88 14.25 2228.85
S/.1,246.46 15 4.28 12.50 2230.00
S/.1,246.46 15 3.68 10.74 2231.16
S/.1,246.46 15 3.07 8.97 2232.32
S/.1,246.46 15 2.46 7.19 2233.49
S/.1,246.46 15 1.85 5.41 2234.66
S/.1,246.46 15 1.24 3.61 2235.84
S/.1,246.46 15 0.62 1.81 2237.03
S/.53,226.90

cuota Por y mante Comi (spread) Tasa imp. Pago Final

0 0 0 0 0
S/.2,223.22 15 25.12 73.37 S/.2,189.97
S/.2,223.22 15 24.13 70.48 S/.2,191.87
S/.2,223.22 15 23.14 67.58 S/.2,193.78
S/.2,223.22 15 22.14 64.66 S/.2,195.70
S/.2,223.22 15 21.14 61.73 S/.2,197.63
S/.2,223.22 15 20.13 58.78 S/.2,199.57
S/.2,223.22 15 19.113008836 55.8201222 2201.51349
S/.17,223.22 15 18.0944320727 52.8453378 2203.46969
S/.1,246.46 15 9.57 27.95 S/.2,219.84
S/.1,246.46 15 8.99 26.27 S/.2,220.95
S/.1,246.46 15 8.41 24.58 S/.2,222.06
S/.1,246.46 15 7.83 22.88 S/.2,223.18
S/.1,246.46 15 7.25 21.17 S/.2,224.30
S/.1,246.46 15 6.66 19.45 S/.2,225.43
S/.1,257.10 15 6.07 23.43 S/.1,254.74
S/.1,257.10 15 5.48 21.15 S/.1,256.42
S/.1,257.10 15 4.89 18.86 S/.1,258.12
S/.1,257.10 15 4.29 16.56 S/.1,259.83
S/.1,257.10 15 3.69 14.24 S/.1,261.55
S/.1,257.10 15 3.08 11.90 S/.1,263.28
S/.1,257.10 15 2.47 9.55 S/.1,265.02
S/.1,257.10 15 1.86 7.19 S/.1,266.77
S/.1,257.10 15 1.25 4.81 S/.1,268.53
S/.1,257.10 15 0.62 2.41 S/.1,270.31
S/.43,533.83
a) Determine el costo efectivo anual del crdito despus de impuestos.

a los 24 meses 0.0893

respuesta al ao 0.0437

b) Si junto con la cuota 8 se hace un prepago de S/. 15,000 con fines de disminuir el import
 las dems cuotas, determine el impacto de este prepago sobre el costo efectivo anual de
crdito despus de impuestos.

periodo 16
prepago 15000
cuota2 S/.1,246.46

respuesta

CEC 0.09183
CEC al ao 0.04491

c) Considerando el prepago anterior, si inmediatamente despus de desembolsar la cuota

tasa cambia a 8% TEA, calcule el importe de los nuevos pagos mensuales a realizar.

respuesta
TEA 8% TEM 0.006434
periodo 10

cuota3 S/.1,257.10
impuestos.

con fines de disminuir el importe de

sobre el costo efectivo anual del

pus de desembolsar la cuota 15, la

agos mensuales a realizar.
DATOS:

Principal 20,000 TEA

Plazo 12 Perode gracia
Por y mante 18 Tasa imp
Comi (spread) 0.09% Comisin Fija
Comisin FLAT 1% 230 ITF

n saldo interes
0 20000
1 20001 0
2 20001 0
3 20001 0
4 20342.19 115.02
5 S/.18,699.08 105.73
6 S/.17,046.68 96.38
7 S/.15,384.93 86.99
8 S/.13,713.80 77.54
9 S/.12,033.21 68.04
10 S/.10,343.12 58.48
11 S/.8,643.47 48.87
12 S/.6,934.22 39.21
13 S/.5,215.30 29.49
14 S/.3,486.66 19.71
15 S/.1,748.24 9.88

n saldo interes
0 20000
1 20001 0
2 20001 0
3 20001 0
4 20342.19 115.02
5 S/.18,699.08 105.73
6 S/.17,046.68 96.38
7 S/.15,384.93 145.98
8 S/.13,739.36 130.37
9 S/.12,078.17 114.61
10 S/.10,401.21 98.69
11 S/.8,708.35 82.63
12 S/.6,999.42 66.42
13 S/.5,274.27 50.05
14 S/.3,532.76 33.52
15 S/.1,774.72 16.84
n saldo interes
0 20000
1 20001 0
2 20001 0
3 20001 0
4 20342.19 115.02
5 S/.18,699.08 105.73
6 S/.17,046.68 96.38
7 S/.15,384.93 145.98
8 S/.13,739.36 130.37
9 S/.12,078.17 114.61
10 S/.10,401.21 98.69
11 S/.8,708.35 82.63
12 S/.1,999.42 18.97
13 S/.1,506.62 14.30
14 S/.1,009.15 9.58
15 S/.506.96 4.81
 7% TEM 0.0057
3
30%
500 saldo actual 20001
0.005% vf 20342.19
cuota 1758.13

amortizacion cuota Por y mante Comi (spread) Tasa imp. Pago Final

0 0
0 0
0 0
S/.1,643.11 S/.1,758.13 18 18.31 34.505305786 S/.2,259.93
S/.1,652.40 S/.1,758.13 18 16.83 31.718191278 S/.2,261.24
S/.1,661.74 S/.1,758.13 18 15.34 28.91531802 S/.2,262.55
S/.1,671.14 S/.1,758.13 18 13.85 26.096596908 S/.2,263.88
S/.1,680.59 S/.1,758.13 18 12.34 23.261938338 S/.2,265.21
S/.1,690.09 S/.1,758.13 18 10.83 20.411252196 S/.2,266.55
S/.1,699.65 S/.1,758.13 18 9.31 17.54444786 S/.2,267.89
S/.1,709.26 S/.1,758.13 18 7.78 14.661434195 S/.2,269.25
S/.1,718.92 S/.1,758.13 18 6.24 11.762119552 S/.2,270.61
S/.1,728.64 S/.1,758.13 18 4.69 8.8464117631 S/.2,271.97
S/.1,738.41 S/.1,758.13 18 3.14 5.9142181379 S/.2,273.35
S/.1,748.24 S/.1,758.13 18 1.57 2.9654454636 S/.2,274.74
S/.20,342.19 S/.27,207.16

amortizacion cuota Por y mante Comi (spread) Tasa imp. Pago Final

0 0
0 0
0 0
S/.1,643.11 S/.1,758.13 18 18.31 34.51 S/.2,259.93
S/.1,652.40 S/.1,758.13 18 16.83 31.72 S/.2,261.24
S/.1,661.74 S/.1,758.13 18 15.34 28.92 S/.2,262.55
S/.1,645.58 S/.1,791.56 18 13.85 43.80 S/.2,279.61
S/.1,661.19 S/.1,791.56 18 12.37 39.11 S/.2,282.82
S/.1,676.95 S/.1,791.56 18 10.87 34.38 S/.2,286.05
S/.1,692.87 S/.1,791.56 18 9.36 29.61 S/.2,289.31
S/.1,708.93 S/.1,791.56 18 7.84 24.79 S/.2,292.61
S/.1,725.14 S/.1,791.56 18 6.30 19.92 S/.2,295.94
S/.1,741.51 S/.1,791.56 18 4.75 15.01 S/.2,299.29
S/.1,758.04 S/.1,791.56 18 3.18 10.06 S/.2,302.68
S/.1,774.72 S/.1,791.56 18 1.60 5.05 S/.2,306.11
S/.20,342.19 S/.27,418.14
 S/.15,384.93 S/.20,634.42

amortizacion cuota Por y mante Comi (spread) Tasa imp. Pago Final

0 0
0 0
0 0
S/.1,643.11 S/.1,758.13 18 18.31 34.51 S/.2,259.93
S/.1,652.40 S/.1,758.13 18 16.83 31.72 S/.2,261.24
S/.1,661.74 S/.1,758.13 18 15.34 28.92 S/.2,262.55
S/.1,645.58 S/.1,791.56 18 13.85 43.80 S/.2,279.61
S/.1,661.19 S/.1,791.56 18 12.37 39.11 S/.2,282.82
S/.1,676.95 S/.1,791.56 18 10.87 34.38 S/.2,286.05
S/.1,692.87 S/.1,791.56 18 9.36 29.61 S/.2,289.31
S/.6,708.93 S/.6,791.56 18 7.84 24.79 S/.2,292.61
S/.492.80 S/.511.77 18 1.80 5.69 S/.1,025.88
S/.497.47 S/.511.77 18 1.36 4.29 S/.1,026.84
S/.502.19 S/.511.77 18 0.91 2.87 S/.1,027.80
S/.506.96 S/.511.77 18 0.46 1.44 S/.1,028.78
S/.20,342.19 S/.22,323.42
a) Determine el costo efectivo del crdito despus de impuestos.

a los 12 meses 0.41182

al ao 0.41182

b) Si inmediatamente despus de realizar el pago de la cuota 3, la tasa cam

calcule el nuevo costo efectivo del crdito despus de impuestos.

TEA 12% TEM 0.0095

periodo 9
cuota2 S/.1,791.56
c) Considerando el cambio en la tasa anterior, si junto con cuota correspon
hace un prepago de S/. 5,000 con la finalidad de disminuir el importe de
determine el nuevo costo efectivo del crdito despus de impuestos.

periodo 4
cuota3 S/.511.77
us de impuestos.

ago de la cuota 3, la tasa cambia a 12% TEA,

espus de impuestos.
si junto con cuota correspondiente al mes 8, se
d de disminuir el importe de las restantes cuotas,
o despus de impuestos.