Integrante:
Por otro lado, las personas que realizan este tipo de negocios buscan ampliar
sus horizontes, creando nuevas experiencias que puedan aportar en una
mejora a corto o largo plazo, siempre y cuando estructuren un buen proyecto
para luego competir con diversos mercados a nivel internacional.
DIRECCION: Calle Manuel Rivero 323 urb. Panamericana Norte Los Olivos.
RUC: 20527205280
Visin de la empresa:
Llegar a ser una empresa lder a nivel nacional en los prximos 5 aos con
miras a tener sucursales en toda Sudamrica.
Misin de la empresa:
Consolidarnos como la mejor empresa de importacin de la marca Tommy
hilfiger a nivel nacional, garantizando un servicio oportuno y de calidad,
construyendo una empresa ideal para nuestros clientes.
Finalidad:
Esta empresa se cre con la finalidad de obtener utilidades y de llegar a ser la
mejor en su rubro a nivel nacional e internacional; as mismo brindar al cliente
una atencin de calidad ofreciendo diversidad al momento de seleccionar su
pedido.
Anlisis situacional:
En este ao los aranceles de pago tuvieron una reduccin en un 95%, lo cual
es una oportunidad para importar en mayores proporciones a partir de lo que
fue el primero de mayo. Valindonos del momento y la demanda de esta marca
nos pareci conveniente crear la empresa y generar ingresos. Pese a que
somos una empresa que recin se est iniciando, buscamos la mejor
alternativa para pedir prstamo para as seguir creciendo.
ESTUDIO ECONMICO:
Materiales de 250.00
escritorio
Escritorio 4 100.00 400.00
Anaqueles 4,200.00
TOTAL 25,285.00
ESTUDIO FINANCIERO
MATEMATICA FINANCIERA Pgina 5
Modalidades de ahorros:
VALOR VALOR
MESES INTERESES CARGO
PRESENTE FUTURO
1 S/.10,000.00 S/.1.04 S/.0.00 S/.10,001.04
2 S/.10,001.04 S/.1.04 S/.0.00 S/.10,002.08
3 S/.10,002.08 S/.1.04 S/.0.00 S/.10,003.12
4 S/.10,003.12 S/.1.04 S/.0.00 S/.10,004.16
5 S/.10,004.16 S/.1.04 S/.0.00 S/.10,005.21
6 S/.10,005.21 S/.1.04 S/.0.00 S/.10,006.25
7 S/.10,006.25 S/.1.04 S/.0.00 S/.10,007.29
8 S/.10,007.29 S/.1.04 S/.0.00 S/.10,008.33
9 S/.10,008.33 S/.1.04 S/.0.00 S/.10,009.37
10 S/.10,009.37 S/.1.04 S/.0.00 S/.10,010.42
11 S/.10,010.42 S/.1.04 S/.0.00 S/.10,011.46
12 S/.10,011.46 S/.1.04 S/.0.00 S/.10,012.50
13 S/.10,012.50 S/.1.04 S/.0.00 S/.10,013.54
14 S/.10,013.54 S/.1.04 S/.0.00 S/.10,014.58
15 S/.10,014.58 S/.1.04 S/.0.00 S/.10,015.63
16 S/.10,015.63 S/.1.04 S/.0.00 S/.10,016.67
17 S/.10,016.67 S/.1.04 S/.0.00 S/.10,017.71
18 S/.10,017.71 S/.1.04 S/.0.00 S/.10,018.76
TREA: 0.125%
N: 3
Formula: F.D.F.A
TEA TEM
1
i = (1 + 0.125%) 12 1 x 100
I = 0. 01041070355 % A
= [ ]
(1 + ) 1
%
= 10000 [ ]
(1 + )36 1
P=277.2720
SIMULADOR TREA:
VP S/.10,000.00
TREA 0.50% TEM 0.04%
N 36
VALOR VALOR
MESES INTERESES CARGO
PRESENTE FUTURO
1 S/.10,000.00 S/.4.16 S/.0.00 S/.10,004.16
2 S/.10,004.16 S/.4.16 S/.0.00 S/.10,008.32
3 S/.10,008.32 S/.4.16 S/.0.00 S/.10,012.48
4 S/.10,012.48 S/.4.16 S/.0.00 S/.10,016.64
5 S/.10,016.64 S/.4.16 S/.0.00 S/.10,020.80
6 S/.10,020.80 S/.4.17 S/.0.00 S/.10,024.97
7 S/.10,024.97 S/.4.17 S/.0.00 S/.10,029.14
TREA: 0.5%
N: 3 aos
TEA TEM
1
i = (1 + 0.5%) 12 1 x 100
I = 0.04157148447 % A
F.D.F.A
= [ ]
(1 + ) 1
P= 275.74
Flexibilidad: Abre tu Depsito a Plazo o Plazo Sper Depsito con solo S/.
2,000 o $ 1,000 o 1,000 y elige el plazo que ms te convenga: 30, 60, 90, 180
o 360 das (1). Si tu plazo culmina, se renueva automticamente a la tasa
vigente establecida en el tarifario al momento de la renovacin.
FORMULA: F.D.F.A
VP S/.10,000.00
TREA 1.35% TEM 0.11%
N 36
VALOR VALOR
MESES INTERESES CARGO
PRESENTE FUTURO
1 S/.10,000.00 S/.11.18 S/.0.00 S/.10,011.18
2 S/.10,011.18 S/.11.19 S/.0.00 S/.10,022.37
3 S/.10,022.37 S/.11.21 S/.0.00 S/.10,033.58
4 S/.10,033.58 S/.11.22 S/.0.00 S/.10,044.80
TREA: 1.35%
N: 3 aos
I = 0.111898516% A
F.D.F.A
P= S/. 272.38
VALOR VALOR
MESES INTERESES CARGO
PRESENTE FUTURO
1 S/.10,000.00 S/.1.04 S/.8.00 S/.10,009.04
2 S/.10,009.04 S/.1.04 S/.8.00 S/.10,018.08
3 S/.10,018.08 S/.1.04 S/.8.00 S/.10,027.13
4 S/.10,027.13 S/.1.04 S/.8.00 S/.10,036.17
5 S/.10,036.17 S/.1.04 S/.8.00 S/.10,045.21
6 S/.10,045.21 S/.1.05 S/.8.00 S/.10,054.26
7 S/.10,054.26 S/.1.05 S/.8.00 S/.10,063.31
8 S/.10,063.31 S/.1.05 S/.8.00 S/.10,072.35
9 S/.10,072.35 S/.1.05 S/.8.00 S/.10,081.40
10 S/.10,081.40 S/.1.05 S/.8.00 S/.10,090.45
11 S/.10,090.45 S/.1.05 S/.8.00 S/.10,099.50
12 S/.10,099.50 S/.1.05 S/.8.00 S/.10,108.55
13 S/.10,108.55 S/.1.05 S/.8.00 S/.10,117.61
14 S/.10,117.61 S/.1.05 S/.8.00 S/.10,126.66
15 S/.10,126.66 S/.1.05 S/.8.00 S/.10,135.71
16 S/.10,135.71 S/.1.06 S/.8.00 S/.10,144.77
17 S/.10,144.77 S/.1.06 S/.8.00 S/.10,153.83
18 S/.10,153.83 S/.1.06 S/.8.00 S/.10,162.88
19 S/.10,162.88 S/.1.06 S/.8.00 S/.10,171.94
20 S/.10,171.94 S/.1.06 S/.8.00 S/.10,181.00
21 S/.10,181.00 S/.1.06 S/.8.00 S/.10,190.06
22 S/.10,190.06 S/.1.06 S/.8.00 S/.10,199.12
23 S/.10,199.12 S/.1.06 S/.8.00 S/.10,208.18
24 S/.10,208.18 S/.1.06 S/.8.00 S/.10,217.25
25 S/.10,217.25 S/.1.06 S/.8.00 S/.10,226.31
26 S/.10,226.31 S/.1.06 S/.8.00 S/.10,235.37
27 S/.10,235.37 S/.1.07 S/.8.00 S/.10,244.44
28 S/.10,244.44 S/.1.07 S/.8.00 S/.10,253.51
29 S/.10,253.51 S/.1.07 S/.8.00 S/.10,262.57
30 S/.10,262.57 S/.1.07 S/.8.00 S/.10,271.64
31 S/.10,271.64 S/.1.07 S/.8.00 S/.10,280.71
TREA: 0.13%
N: 3 AOS
I = 0.010826884 % A
F.D.F.A
= [ ]
(1 + ) 1
= 10000 [ ]
(1+)36 1
P= S/. 228.63
MODALIDAD DE PRSTAMOS:
Flexibilidad
Solicita tu prstamo en soles o dlares. Te financiamos a partir de S/.1,
000 o su equivalente en dlares. Dispones de hasta 60 meses para
pagar (sujeto a evaluacin crediticia).
Cuota Comodn
Pago anticipado
Puedes cancelar anticipadamente el total de la deuda en cualquier
momento, hacer amortizaciones parciales o adelantar el pago de
cuotas (prepagos).
Seguros adicionales
Cuentas con un seguro de desgravamen que cancela la deuda con el
banco en caso de fallecimiento, lo que permite reembolsar a los
beneficiarios la parte del capital ya pagado.
Prstamo S/.45,150.00
TECA 35.59% 2.57%
N 3 36
Cuota S/.1,937.42
SALDO SALDO
MES INTERES AMORTIZACION CUOTA
INICIAL FINAL
0 S/.45,150.00 S/.45,150.00
1 S/.45,150.00 S/.1,160.21 S/.777.22 S/.1,937.42 S/.44,372.78
2 S/.44,372.78 S/.1,140.24 S/.797.19 S/.1,937.42 S/.43,575.60
3 S/.43,575.60 S/.1,119.75 S/.817.67 S/.1,937.42 S/.42,757.92
4 S/.42,757.92 S/.1,098.74 S/.838.68 S/.1,937.42 S/.41,919.24
5 S/.41,919.24 S/.1,077.19 S/.860.24 S/.1,937.42 S/.41,059.01
6 S/.41,059.01 S/.1,055.08 S/.882.34 S/.1,937.42 S/.40,176.66
7 S/.40,176.66 S/.1,032.41 S/.905.01 S/.1,937.42 S/.39,271.65
8 S/.39,271.65 S/.1,009.15 S/.928.27 S/.1,937.42 S/.38,343.38
9 S/.38,343.38 S/.985.30 S/.952.12 S/.1,937.42 S/.37,391.26
10 S/.37,391.26 S/.960.83 S/.976.59 S/.1,937.42 S/.36,414.67
TECA: 35.59%
N: 3 aos
TECA TECM
1
i = (1 + 35.59%) 12 1
I = 2.5696% A
FRC
(1+)36
= 45150 [(1+)36 ]
1
= ./1937.40
2) Prestamos Hipotecario
Prestamo S/.45,150.00
TECA 13.41% 1.05%
N 3 36
Cuota S/.1,513.68
SALDO SALDO
MES INTERES AMORTIZACION CUOTA
INICIAL FINAL
0 S/.45,150.00 S/.45,150.00
1 S/.45,150.00 S/.475.96 S/.1,037.72 S/.1,513.68 S/.44,112.28
2 S/.44,112.28 S/.465.02 S/.1,048.66 S/.1,513.68 S/.43,063.61
3 S/.43,063.61 S/.453.97 S/.1,059.72 S/.1,513.68 S/.42,003.90
4 S/.42,003.90 S/.442.80 S/.1,070.89 S/.1,513.68 S/.40,933.01
5 S/.40,933.01 S/.431.51 S/.1,082.18 S/.1,513.68 S/.39,850.83
6 S/.39,850.83 S/.420.10 S/.1,093.59 S/.1,513.68 S/.38,757.25
7 S/.38,757.25 S/.408.57 S/.1,105.11 S/.1,513.68 S/.37,652.13
8 S/.37,652.13 S/.396.92 S/.1,116.76 S/.1,513.68 S/.36,535.37
9 S/.36,535.37 S/.385.15 S/.1,128.54 S/.1,513.68 S/.35,406.83
10 S/.35,406.83 S/.373.25 S/.1,140.43 S/.1,513.68 S/.34,266.40
11 S/.34,266.40 S/.361.23 S/.1,152.46 S/.1,513.68 S/.33,113.94
12 S/.33,113.94 S/.349.08 S/.1,164.60 S/.1,513.68 S/.31,949.34
13 S/.31,949.34 S/.336.80 S/.1,176.88 S/.1,513.68 S/.30,772.46
14 S/.30,772.46 S/.324.40 S/.1,189.29 S/.1,513.68 S/.29,583.17
15 S/.29,583.17 S/.311.86 S/.1,201.83 S/.1,513.68 S/.28,381.34
16 S/.28,381.34 S/.299.19 S/.1,214.49 S/.1,513.68 S/.27,166.85
17 S/.27,166.85 S/.286.39 S/.1,227.30 S/.1,513.68 S/.25,939.55
18 S/.25,939.55 S/.273.45 S/.1,240.24 S/.1,513.68 S/.24,699.31
19 S/.24,699.31 S/.260.38 S/.1,253.31 S/.1,513.68 S/.23,446.00
20 S/.23,446.00 S/.247.16 S/.1,266.52 S/.1,513.68 S/.22,179.48
21 S/.22,179.48 S/.233.81 S/.1,279.87 S/.1,513.68 S/.20,899.61
22 S/.20,899.61 S/.220.32 S/.1,293.37 S/.1,513.68 S/.19,606.24
23 S/.19,606.24 S/.206.68 S/.1,307.00 S/.1,513.68 S/.18,299.24
24 S/.18,299.24 S/.192.91 S/.1,320.78 S/.1,513.68 S/.16,978.47
25 S/.16,978.47 S/.178.98 S/.1,334.70 S/.1,513.68 S/.15,643.76
TECA: 13.41%
N: 3 aos
TECA TECM
1
i = (1 + 13.41%) 12 1
I = 1.054179266 C
Hallando el FRC
(1+)
= [ ]
(1+) 1
(1 + )36
= 45150 [ ]
(1 + )36 1
= ./1513.69
3) Prstamo Vehicular
Flexibilidad
Solicita tu prstamo en soles o dlares. Te financiamos desde S/.11,000 o
US$4,000. Dispones de hasta 60 meses para pagar y financiamiento hasta el
100% del valor comercial del vehculo (sujeto a evaluacin crediticia), pero
no aplica para compra de vehculos comerciales (furgones, camiones y mini
buses).
Cuota Comodn
Elige qu cuota quieres dejar de pagar en el mes que lo desees y esta ser
adicionada al final de la vida del prstamo.
Al activar la Cuota Comodn el banco efectuar un nuevo clculo de intereses
sobre el saldo de tu deuda existente a la fecha en que actives este beneficio.
Se emitir un nuevo cronograma en el que el monto de las cuotas y el plazo del
prstamo se incrementarn.
Puedes usar la Cuota Comodn a partir de la 4ta cuota, por un mximo de dos
(02) veces al ao y hasta diez veces (10) durante el plazo del prstamo.
Pago anticipado
Puedes cancelar anticipadamente el total de la deuda, en cualquier momento, y
hacer amortizaciones parciales o adelantar el pago de cuotas (prepagos).
Seguros adicionales
Cuentas con un seguro de desgravamen que cancela la deuda con el banco
en caso de fallecimiento, dando la opcin de reembolsar a los beneficiarios la
parte del capital ya pagado.
Prstamo S/.45,150.00
TECA 11.58% 0.92%
N 3 36
Cuota S/.1,478.31
SALDO SALDO
MES INTERES AMORTIZACION CUOTA
INICIAL FINAL
TECA: 11.58%
N: 3 AOS
TECA TECM
1
i = (1 + 11.58%) 12 1
I = 0.9172784178% C
Hallando el FRC
(1 + )
= [ ]
(1 + ) 1
(1 + )36
= 45150 [ ]
(1 + )36 1
= ./1478.31
4) PRSTAMO COMERCIAL
Prestamo S/.45,150.00
TECA 40.00% 2.84%
N 3 36
Cuota S/.2,020.07
SALDO SALDO
MES INTERES AMORTIZACION CUOTA
INICIAL FINAL
0 S/.45,150.00 S/.45,150.00
1 S/.45,150.00 S/.1,283.89 S/.736.18 S/.2,020.07 S/.44,413.82
2 S/.44,413.82 S/.1,262.96 S/.757.11 S/.2,020.07 S/.43,656.71
3 S/.43,656.71 S/.1,241.43 S/.778.64 S/.2,020.07 S/.42,878.07
4 S/.42,878.07 S/.1,219.29 S/.800.78 S/.2,020.07 S/.42,077.29
5 S/.42,077.29 S/.1,196.52 S/.823.55 S/.2,020.07 S/.41,253.74
6 S/.41,253.74 S/.1,173.10 S/.846.97 S/.2,020.07 S/.40,406.77
7 S/.40,406.77 S/.1,149.01 S/.871.06 S/.2,020.07 S/.39,535.71
8 S/.39,535.71 S/.1,124.24 S/.895.83 S/.2,020.07 S/.38,639.88
9 S/.38,639.88 S/.1,098.77 S/.921.30 S/.2,020.07 S/.37,718.58
10 S/.37,718.58 S/.1,072.57 S/.947.50 S/.2,020.07 S/.36,771.09
11 S/.36,771.09 S/.1,045.63 S/.974.44 S/.2,020.07 S/.35,796.65
12 S/.35,796.65 S/.1,017.92 S/.1,002.15 S/.2,020.07 S/.34,794.50
13 S/.34,794.50 S/.989.42 S/.1,030.65 S/.2,020.07 S/.33,763.85
14 S/.33,763.85 S/.960.11 S/.1,059.96 S/.2,020.07 S/.32,703.89
15 S/.32,703.89 S/.929.97 S/.1,090.10 S/.2,020.07 S/.31,613.80
16 S/.31,613.80 S/.898.97 S/.1,121.09 S/.2,020.07 S/.30,492.70
MATEMATICA FINANCIERA Pgina 21
17 S/.30,492.70 S/.867.10 S/.1,152.97 S/.2,020.07 S/.29,339.73
18 S/.29,339.73 S/.834.31 S/.1,185.76 S/.2,020.07 S/.28,153.97
19 S/.28,153.97 S/.800.59 S/.1,219.48 S/.2,020.07 S/.26,934.49
20 S/.26,934.49 S/.765.91 S/.1,254.16 S/.2,020.07 S/.25,680.33
21 S/.25,680.33 S/.730.25 S/.1,289.82 S/.2,020.07 S/.24,390.51
22 S/.24,390.51 S/.693.57 S/.1,326.50 S/.2,020.07 S/.23,064.02
23 S/.23,064.02 S/.655.85 S/.1,364.22 S/.2,020.07 S/.21,699.80
24 S/.21,699.80 S/.617.06 S/.1,403.01 S/.2,020.07 S/.20,296.79
25 S/.20,296.79 S/.577.16 S/.1,442.91 S/.2,020.07 S/.18,853.88
26 S/.18,853.88 S/.536.13 S/.1,483.94 S/.2,020.07 S/.17,369.95
27 S/.17,369.95 S/.493.93 S/.1,526.13 S/.2,020.07 S/.15,843.81
28 S/.15,843.81 S/.450.54 S/.1,569.53 S/.2,020.07 S/.14,274.28
29 S/.14,274.28 S/.405.91 S/.1,614.16 S/.2,020.07 S/.12,660.11
30 S/.12,660.11 S/.360.00 S/.1,660.06 S/.2,020.07 S/.11,000.05
31 S/.11,000.05 S/.312.80 S/.1,707.27 S/.2,020.07 S/.9,292.78
32 S/.9,292.78 S/.264.25 S/.1,755.82 S/.2,020.07 S/.7,536.96
33 S/.7,536.96 S/.214.32 S/.1,805.75 S/.2,020.07 S/.5,731.21
34 S/.5,731.21 S/.162.97 S/.1,857.10 S/.2,020.07 S/.3,874.12
35 S/.3,874.12 S/.110.17 S/.1,909.90 S/.2,020.07 S/.1,964.21
36 S/.1,964.21 S/.55.85 S/.1,964.21 S/.2,020.07 S/.0.00
Suma S/.27,572.49 S/.45,150.00 S/.72,722.49
TECA: 40.00%
N: 3 AOS
TECA TECM
1
i = (1 + 40.00%) 12 1
I = 0.02843615573% C
Hallando el FRC
(1 + )
= [ ]
(1 + ) 1
(1 + )36
= 45150 [ ]
(1 + )36 1
= ./1260.78