Prestamo de banco: Seguro se paga monto mensual fijo

Prestamo. Caso 1.
Desembolso 4/20/2018
Monto 13000
Meses 12
Dia de pago 30
TEA 15% 0.04%

Mes Fecha días dias ac Factor act. Capital

0 4/20/2018 0 0 13000.00
1 5/30/2018 40 40 0.985 12029.99
2 6/30/2018 31 71 0.973 11002.18
3 7/30/2018 30 101 0.962 9957.60
4 8/30/2018 31 132 0.950 8904.70
5 9/30/2018 31 163 0.939 7839.04
6 10/30/2018 30 193 0.928 6757.41
7 11/30/2018 31 224 0.917 5665.76
8 12/30/2018 30 254 0.906 4558.67
9 1/30/2019 31 285 0.895 3440.40
10 2/28/2019 29 314 0.885 2305.88
11 3/30/2019 30 344 0.875 1159.43
12 4/30/2019 31 375 0.865 0.00

Suma fact. Act 11.078

cuota 1 1173.47
Costos
Desgravamen 4.55 Mensual
Comisión envio 10

Interes Amortizac Cuota 1 Seguro Envio Cuota r Factor act1

203.45 970.01 1173.47 4.55 10 1188.02 0.982

145.66 1027.81 1173.47 4.55 10 1188.02 0.969
128.89 1044.58 1173.47 4.55 10 1188.02 0.956
120.56 1052.90 1173.47 4.55 10 1188.02 0.942
107.82 1065.65 1173.47 4.55 10 1188.02 0.929
91.83 1081.63 1173.47 4.55 10 1188.02 0.917
81.82 1091.65 1173.47 4.55 10 1188.02 0.904
66.37 1107.09 1173.47 4.55 10 1188.02 0.892
55.20 1118.27 1173.47 4.55 10 1188.02 0.880
38.95 1134.51 1173.47 4.55 10 1188.02 0.869
27.01 1146.45 1173.47 4.55 10 1188.02 0.857
14.04 1159.43 1173.47 4.55 10 1188.02 0.845

Calculo del TCEA 10.943

Tasa diaria 0.045%
Cuota real 1188.02
Monto recibi 13000.0
TCEA 17.5%
Prestamo. Caso 2. Cuota inicial
Desembolso 4/20/2018
Monto 13000 Prestamo 13000 Costos
Meses 12 Cuota inicial 3000 Desgravamen
Dia de pago 30 Nuevo monto 10000 Comisión env
TEA 15% 0.04%

Mes Fecha días dias ac Factor act. Capital Interes

0 4/20/2018 0 0 10000
1 5/30/2018 40 40 0.985 9253.84 156.50
2 6/30/2018 31 71 0.973 8463.21 112.04
3 7/30/2018 30 101 0.962 7659.69 99.15
4 8/30/2018 31 132 0.950 6849.77 92.74
5 9/30/2018 31 163 0.939 6030.03 82.94
6 10/30/2018 30 193 0.928 5198.01 70.64
7 11/30/2018 31 224 0.917 4358.28 62.94
8 12/30/2018 30 254 0.906 3506.67 51.06
9 1/30/2019 31 285 0.895 2646.46 42.46
10 2/28/2019 29 314 0.885 1773.76 29.96
11 3/30/2019 30 344 0.875 891.87 20.78
12 4/30/2019 31 375 0.865 0.00 10.80

Suma fact act 11.078

cuota 1 902.667
Calculo del TCEA
Tasa diaria
Cuota real
P
TCEA
 4.55 mensual
10

Amortizac Cuota 1 Seguro Envio Cuota r Factor act1

746.16 902.67 4.55 10.0 917.22 0.981

790.62 902.67 4.55 10.0 917.22 0.967
803.52 902.67 4.55 10.0 917.22 0.954
809.93 902.67 4.55 10.0 917.22 0.940
819.73 902.67 4.55 10.0 917.22 0.927
832.03 902.67 4.55 10.0 917.22 0.914
839.73 902.67 4.55 10.0 917.22 0.901
851.61 902.67 4.55 10.0 917.22 0.888
860.21 902.67 4.55 10.0 917.22 0.875
872.70 902.67 4.55 10.0 917.22 0.864
881.89 902.67 4.55 10.0 917.22 0.852
891.87 902.67 4.55 10.0 917.22 0.839

10.903

0.0467%
917.22
10000.0
18.3%
Prestamo. Caso 3. Periodo de gracia
Desembolso 4/30/2018 Costos
Monto 13000
Meses 12 Desgravamen 4.55 mensual
Dia pago 30 Comisión env 10 mensual
TEA 15% 0.04%
meses gracia 1

Mes Fecha días dias ac Factor act. Capital Interes

0 4/30/2018 0 0 13000.00
1 5/30/2018 30 30 0.000 13152.29 0.00
2 6/30/2018 31 61 0.977 12028.60 159.24
3 7/30/2018 30 91 0.965 10886.57 140.91
4 8/30/2018 31 122 0.954 9735.44 131.81
5 9/30/2018 31 153 0.942 8570.37 117.87
6 10/30/2018 30 183 0.931 7387.83 100.40
7 11/30/2018 31 214 0.920 6194.33 89.45
8 12/30/2018 30 244 0.910 4983.96 72.57
9 1/30/2019 31 275 0.899 3761.36 60.34
10 2/28/2019 29 304 0.889 2521.00 42.59
11 3/30/2019 30 334 0.878 1267.59 29.53
12 4/30/2019 31 365 0.868 0.00 15.35

Suma factor act 10.13

cuota 1 1282.94
Calculo del TCEA
id1
P

TCEA
 Amortizac Cuota 1 Seguro Envio Cuota r Factor act1

0.00 0.00 0 0.0 0.00 0.000

1123.70 1282.94 4.55 10.0 1297.49 0.973
1142.03 1282.94 4.55 10.0 1297.49 0.961
1151.13 1282.94 4.55 10.0 1297.49 0.947
1165.07 1282.94 4.55 10.0 1297.49 0.935
1182.54 1282.94 4.55 10.0 1297.49 0.922
1193.49 1282.94 4.55 10.0 1297.49 0.910
1210.38 1282.94 4.55 10.0 1297.49 0.898
1222.60 1282.94 4.55 10.0 1297.49 0.886
1240.36 1282.94 4.55 10.0 1297.49 0.874
1253.41 1282.94 4.55 10.0 1297.49 0.863
1267.59 1282.94 4.55 10.0 1297.49 0.851

10.0193

alculo del TCEA

0.044%
13000.0

17.3%
Prestamo. Caso 3. Periodo de gracia
Desembolso 4/20/2018 Costos
Monto 13000 Desgravamen 4.55 mensual
Meses 12 Comisión env 10 mensual
Dia pago 30
TEA 15% 0.04%
meses gracia 2

Mes Fecha días dias ac Factor act Capital Interes

0 4/20/2018 0 0 13000.00
1 5/30/2018 40 40 0 13203.45 0.00
2 6/30/2018 31 71 0 13363.32 0.00
3 7/30/2018 30 101 0.962 12094.57 156.55
4 8/30/2018 31 132 0.950 10815.70 146.44
5 9/30/2018 31 163 0.939 9521.36 130.95
6 10/30/2018 30 193 0.928 8207.60 111.54
7 11/30/2018 31 224 0.917 6881.67 99.38
8 12/30/2018 30 254 0.906 5536.99 80.62
9 1/30/2019 31 285 0.895 4178.73 67.04
10 2/28/2019 29 314 0.885 2800.74 47.31
11 3/30/2019 30 344 0.875 1408.25 32.81
12 4/30/2019 31 375 0.865 0.00 17.05

Suma fact act 9.12

cuota 1 1425.30
Calculo del TCEA
id1
P

TCEA
Amortizac Cuota 1 Seguro Envio Cuota r Factor act1

0.00 0.00 0 0.0 0.00 0

0.00 0.00 0 0.0 0.00 0
1268.75 1425.30 4.55 10.0 1439.85 0.96
1278.86 1425.30 4.55 10.0 1439.85 0.94
1294.35 1425.30 4.55 10.0 1439.85 0.93
1313.76 1425.30 4.55 10.0 1439.85 0.92
1325.93 1425.30 4.55 10.0 1439.85 0.91
1344.68 1425.30 4.55 10.0 1439.85 0.90
1358.26 1425.30 4.55 10.0 1439.85 0.88
1377.99 1425.30 4.55 10.0 1439.85 0.87
1392.49 1425.30 4.55 10.0 1439.85 0.86
1408.25 1425.30 4.55 10.0 1439.85 0.85

9.03

0.043%
13000.0

16.8%