TEA = 18%

TED = 0.05%
TEM = 1.39%
TET = 4.22%
TES = 8.63%
TE 171 d = 8.18%
TE 479 d = 24.64%
TE 3 años = 64.30%
P 10000
TEA 8%
n 3.25 años
S 12841.84
TE3.25 años 28%
P 15000
n 187 dias 0.5194
TEA 82%
TE187 dias 36.49%
S 20473.11 S S/. 20,473.11
I 5473.11
P 6000
n 90 dias 0.25 año 1.5 año
TEA 12%
S S/. 6,172.42
I S/. 172.42
S1 S/. 7,111.78
I S/. 1,111.78
R 300
n 8 Trimestrales
TEA 68%
TET 14%
P S/. 1,398.76
P 56000
TEA 16% TEM 1.245%
n 4 años 48 meses
R S/. 1,556.65

PERIODO SALDO INICIAL (Pk) AMORTIZACION (Ak) INTERES (Ik) CUOTA (Rk) SALDO FINAL
0 S/. 56,000
1 S/. 55,140.27 S/. 859.73 S/. 696.93 S/. 1,556.65 S/. 859.73
2 S/. 54,269.85 S/. 870.43 S/. 686.23 S/. 1,556.65 S/. 1,730.15
3 S/. 53,388.59 S/. 881.26 S/. 675.40 S/. 1,556.65 S/. 2,611.41
4 S/. 52,496.37 S/. 892.23 S/. 664.43 S/. 1,556.65 S/. 3,503.63
5 S/. 51,593.04 S/. 903.33 S/. 653.32 S/. 1,556.65 S/. 4,406.96
6 S/. 50,678.46 S/. 914.57 S/. 642.08 S/. 1,556.65 S/. 5,321.54
7 S/. 49,752.51 S/. 925.95 S/. 630.70 S/. 1,556.65 S/. 6,247.49
8 S/. 48,815.03 S/. 937.48 S/. 619.18 S/. 1,556.65 S/. 7,184.97
9 S/. 47,865.89 S/. 949.14 S/. 607.51 S/. 1,556.65 S/. 8,134.11
10 S/. 46,904.93 S/. 960.96 S/. 595.70 S/. 1,556.65 S/. 9,095.07
11 S/. 45,932.02 S/. 972.92 S/. 583.74 S/. 1,556.65 S/. 10,067.98
12 S/. 44,947.00 S/. 985.02 S/. 571.63 S/. 1,556.65 S/. 11,053.00
13 S/. 43,949.71 S/. 997.28 S/. 559.37 S/. 1,556.65 S/. 12,050.29
14 S/. 42,940.02 S/. 1,009.69 S/. 546.96 S/. 1,556.65 S/. 13,059.98
15 S/. 41,917.76 S/. 1,022.26 S/. 534.39 S/. 1,556.65 S/. 14,082.24
16 S/. 40,882.78 S/. 1,034.98 S/. 521.67 S/. 1,556.65 S/. 15,117.22
17 S/. 39,834.92 S/. 1,047.86 S/. 508.79 S/. 1,556.65 S/. 16,165.08
18 S/. 38,774.02 S/. 1,060.90 S/. 495.75 S/. 1,556.65 S/. 17,225.98
19 S/. 37,699.91 S/. 1,074.11 S/. 482.55 S/. 1,556.65 S/. 18,300.09
20 S/. 36,612.44 S/. 1,087.47 S/. 469.18 S/. 1,556.65 S/. 19,387.56
21 S/. 35,511.43 S/. 1,101.01 S/. 455.65 S/. 1,556.65 S/. 20,488.57
22 S/. 34,396.72 S/. 1,114.71 S/. 441.94 S/. 1,556.65 S/. 21,603.28
23 S/. 33,268.14 S/. 1,128.58 S/. 428.07 S/. 1,556.65 S/. 22,731.86
24 S/. 32,125.51 S/. 1,142.63 S/. 414.03 S/. 1,556.65 S/. 23,874.49
25 S/. 30,968.66 S/. 1,156.85 S/. 399.81 S/. 1,556.65 S/. 25,031.34
26 S/. 29,797.42 S/. 1,171.24 S/. 385.41 S/. 1,556.65 S/. 26,202.58
27 S/. 28,611.60 S/. 1,185.82 S/. 370.83 S/. 1,556.65 S/. 27,388.40
28 S/. 27,411.02 S/. 1,200.58 S/. 356.08 S/. 1,556.65 S/. 28,588.98
29 S/. 26,195.50 S/. 1,215.52 S/. 341.13 S/. 1,556.65 S/. 29,804.50
30 S/. 24,964.85 S/. 1,230.65 S/. 326.01 S/. 1,556.65 S/. 31,035.15
31 S/. 23,718.89 S/. 1,245.96 S/. 310.69 S/. 1,556.65 S/. 32,281.11
32 S/. 22,457.42 S/. 1,261.47 S/. 295.18 S/. 1,556.65 S/. 33,542.58
33 S/. 21,180.25 S/. 1,277.17 S/. 279.49 S/. 1,556.65 S/. 34,819.75
34 S/. 19,887.19 S/. 1,293.06 S/. 263.59 S/. 1,556.65 S/. 36,112.81
35 S/. 18,578.04 S/. 1,309.15 S/. 247.50 S/. 1,556.65 S/. 37,421.96
36 S/. 17,252.59 S/. 1,325.45 S/. 231.21 S/. 1,556.65 S/. 38,747.41
37 S/. 15,910.65 S/. 1,341.94 S/. 214.71 S/. 1,556.65 S/. 40,089.35
38 S/. 14,552.00 S/. 1,358.64 S/. 198.01 S/. 1,556.65 S/. 41,448.00
39 S/. 13,176.45 S/. 1,375.55 S/. 181.10 S/. 1,556.65 S/. 42,823.55
40 S/. 11,783.78 S/. 1,392.67 S/. 163.98 S/. 1,556.65 S/. 44,216.22
41 S/. 10,373.78 S/. 1,410.00 S/. 146.65 S/. 1,556.65 S/. 45,626.22
42 S/. 8,946.23 S/. 1,427.55 S/. 129.10 S/. 1,556.65 S/. 47,053.77
43 S/. 7,500.91 S/. 1,445.32 S/. 111.34 S/. 1,556.65 S/. 48,499.09
44 S/. 6,037.61 S/. 1,463.30 S/. 93.35 S/. 1,556.65 S/. 49,962.39
45 S/. 4,556.09 S/. 1,481.51 S/. 75.14 S/. 1,556.65 S/. 51,443.91
46 S/. 3,056.14 S/. 1,499.95 S/. 56.70 S/. 1,556.65 S/. 52,943.86
47 S/. 1,537.52 S/. 1,518.62 S/. 38.03 S/. 1,556.65 S/. 54,462.48
48 S/. 0.00 S/. 1,537.52 S/. 19.13 S/. 1,556.65 S/. 56,000.00
n 12 semestrales
R 10650
TEA 10% TES 4.88%
P S/. 95,030.98

n 2 años
n1 4 semestres
R1 S/. 26,725.75

PERIODO SALDO INICIAL (Pk) AMORTIZACION (Ak) INTERES (Ik) CUOTA (Rk) SALDO FINAL
0 S/. 95,030.98
1 S/. 72,943.59 S/. 22,087.39 S/. 4,638.35 S/. 26,725.75 S/. 22,087.39
2 S/. 49,778.13 S/. 23,165.45 S/. 3,560.29 S/. 26,725.75 S/. 45,252.85
3 S/. 25,482.00 S/. 24,296.13 S/. 2,429.61 S/. 26,725.75 S/. 69,548.98
4 S/. 0.00 S/. 25,482.00 S/. 1,243.75 S/. 26,725.75 S/. 95,030.98
n 3 años
TEA 6%
S 28000
R S/. 10,475.07
P 1000000
TEA 15% TET 3.56%
n 3 años 12
R trimestral

Amortizacion cte sin periodo de gracia

A 83333.33

PERIODO SALDO INICIAL (Pk) AMORTIZACION (Ak) INTERES (Ik) CUOTA (Rk) SALDO FINAL
0 S/. 1,000,000
1 S/. 916,666.67 S/. 83,333.33 S/. 35,558.08 S/. 118,891.41 S/. 83,333.33
2 S/. 833,333.33 S/. 83,333.33 S/. 32,594.90 S/. 115,928.24 S/. 166,666.67
3 S/. 750,000.00 S/. 83,333.33 S/. 29,631.73 S/. 112,965.06 S/. 250,000.00
4 S/. 666,666.67 S/. 83,333.33 S/. 26,668.56 S/. 110,001.89 S/. 333,333.33
5 S/. 583,333.33 S/. 83,333.33 S/. 23,705.38 S/. 107,038.72 S/. 416,666.67
6 S/. 500,000.00 S/. 83,333.33 S/. 20,742.21 S/. 104,075.54 S/. 500,000.00
7 S/. 416,666.67 S/. 83,333.33 S/. 17,779.04 S/. 101,112.37 S/. 583,333.33
8 S/. 333,333.33 S/. 83,333.33 S/. 14,815.87 S/. 98,149.20 S/. 666,666.67
9 S/. 250,000.00 S/. 83,333.33 S/. 11,852.69 S/. 95,186.03 S/. 750,000.00
10 S/. 166,666.67 S/. 83,333.33 S/. 8,889.52 S/. 92,222.85 S/. 833,333.33
11 S/. 83,333.33 S/. 83,333.33 S/. 5,926.35 S/. 89,259.68 S/. 916,666.67
12 S/. 0.00 S/. 83,333.33 S/. 2,963.17 S/. 86,296.51 S/. 1,000,000.00
S/. 1,000,000.00 S/. 231,127.50 S/. 1,231,127.50

Amortizacion cte con 1 año de periodo de gracia

Periodo de gracia 4
n 8
A 125000

PERIODO SALDO INICIAL (Pk) AMORTIZACION (Ak) INTERES (Ik) CUOTA (Rk) SALDO FINAL
0 S/. 1,000,000
1 S/. 1,000,000 S/. 0.00 S/. 35,558.08 S/. 35,558.08 S/. 0.00
2 S/. 1,000,000 S/. 0.00 S/. 35,558.08 S/. 35,558.08 S/. 0.00
3 S/. 1,000,000 S/. 0.00 S/. 35,558.08 S/. 35,558.08 S/. 0.00
4 S/. 1,000,000 S/. 0.00 S/. 35,558.08 S/. 35,558.08 S/. 0.00
5 S/. 875,000 S/. 125,000 S/. 35,558.08 S/. 160,558.08 S/. 125,000
6 S/. 750,000 S/. 125,000 S/. 31,113.32 S/. 156,113.32 S/. 250,000
7 S/. 625,000 S/. 125,000 S/. 26,668.56 S/. 151,668.56 S/. 375,000
8 S/. 500,000 S/. 125,000 S/. 22,223.80 S/. 147,223.80 S/. 500,000
9 S/. 375,000 S/. 125,000 S/. 17,779.04 S/. 142,779.04 S/. 625,000
10 S/. 250,000 S/. 125,000 S/. 13,334.28 S/. 138,334.28 S/. 750,000
11 S/. 125,000 S/. 125,000 S/. 8,889.52 S/. 133,889.52 S/. 875,000
12 S/. 0 S/. 125,000 S/. 4,444.76 S/. 129,444.76 S/. 1,000,000
S/. 1,000,000.00 S/. 302,243.65 S/. 1,302,243.65
Cuota cte sin periodo de gracia

R S/. 103,824.12

PERIODO SALDO INICIAL (Pk) AMORTIZACION (Ak) INTERES (Ik) CUOTA (Rk)
0 S/. 1,000,000.00
1 S/. 931,733.95 S/. 68,266.05 S/. 35,558.08 S/. 103,824.12
2 S/. 861,040.50 S/. 70,693.45 S/. 33,130.67 S/. 103,824.12
3 S/. 787,833.32 S/. 73,207.18 S/. 30,616.94 S/. 103,824.12
4 S/. 712,023.04 S/. 75,810.28 S/. 28,013.84 S/. 103,824.12
5 S/. 633,517.09 S/. 78,505.95 S/. 25,318.17 S/. 103,824.12
6 S/. 552,219.61 S/. 81,297.47 S/. 22,526.65 S/. 103,824.12
7 S/. 468,031.36 S/. 84,188.25 S/. 19,635.87 S/. 103,824.12
8 S/. 380,849.53 S/. 87,181.83 S/. 16,642.29 S/. 103,824.12
9 S/. 290,567.69 S/. 90,281.84 S/. 13,542.28 S/. 103,824.12
10 S/. 197,075.59 S/. 93,492.09 S/. 10,332.03 S/. 103,824.12
11 S/. 100,259.10 S/. 96,816.49 S/. 7,007.63 S/. 103,824.12
12 S/. 0.00 S/. 100,259.10 S/. 3,565.02 S/. 103,824.12

TET 3.56%
p 1000000
n 12 8
R S/. 145,815.68

PERIODO SALDO INICIAL (Pk) AMORTIZACION (Ak) INTERES (Ik) CUOTA (Rk)
0 S/. 1,000,000
1 S/. 1,000,000 0 S/. 35,558.08 S/. 35,558.08
2 S/. 1,000,000 0 S/. 35,558.08 S/. 35,558.08
3 S/. 1,000,000 0 S/. 35,558.08 S/. 35,558.08
4 S/. 1,000,000 0 S/. 35,558.08 S/. 35,558.08
5 S/. 889,742.40 S/. 110,257.60 S/. 35,558.08 S/. 145,815.68
6 S/. 775,564.25 S/. 114,178.15 S/. 31,637.53 S/. 145,815.68
7 S/. 657,326.15 S/. 118,238.10 S/. 27,577.57 S/. 145,815.68
8 S/. 534,883.72 S/. 122,442.42 S/. 23,373.25 S/. 145,815.68
9 S/. 408,087.48 S/. 126,796.24 S/. 19,019.44 S/. 145,815.68
10 S/. 276,782.61 S/. 131,304.87 S/. 14,510.81 S/. 145,815.68
11 S/. 140,808.79 S/. 135,973.82 S/. 9,841.86 S/. 145,815.68
12 S/. 0.00 S/. 140,808.79 S/. 5,006.89 S/. 145,815.68
S S/. 1,520,875
 SALDO FINAL

S/. 68,266.05
S/. 138,959.50
S/. 212,166.68
S/. 287,976.96
S/. 366,482.91
S/. 447,780.39
S/. 531,968.64
S/. 619,150.47
S/. 709,432.31
S/. 802,924.41
S/. 899,740.90
S/. 1,000,000.00

SALDO FINAL

S/. 0
S/. 0
S/. 0
S/. 0
S/. 110,257.60
S/. 224,435.75
S/. 342,673.85
S/. 465,116.28
S/. 591,912.52
S/. 723,217.39
S/. 859,191.21
S/. 1,000,000.00
R 2800
n 24
TNA 13%
m 12
TEM 0.010833333
P S/. 58,895.51
n 5 años
s S/. 190,000
TNA 14%
m 4 trimestres
TET 0.035
0

Sv S/. 180,000
R S/. 6,364.99
S/. 190,000

20 trimestres

10000
TNM 0.83% TNA 0.0996
m 24
TEQ 0.00415
n 18 años 432 quincenas
P 1350000
R 6726.60
P 1630000
n 35 años

tem1 0.009488793
tem2 0.00643403
4686.66
8686.3

S/. 80,566.81 S/. 97,316.44

5000 S/. 71,276.35

S/. 21.91

x 3253.175056