27/5/2015

SimuladordeCrdito

SIMULADORDECREDITOS
MONTOASOLICITAR*

8.000,00

FRECUENCIADEPAGO*

MENSUAL

#CUOTAS*

36

LNEADECRDITO*

LineaConsumo

SISTEMADE
AMORTIZACIN
GENERAR

FRANCS

LIMPIAR

DETALLEDECARGAFINANCIERA

Concepto

USD$

ExplicacinenTrminosUtilizados

MontoFinanciado

$8000.00

Eselmontodecrditootorgado..

MontoLiquidado

$8000.00

Correspondealmontodecrditodesembolsado..

Intereses

$2011.80

Equivalealasumadeinteresesquepagaelsociodurantelavigencia
decrdito..

SegurodeDesgravamen

$80.59

ProteccindelPatrimoniodelsocioencasodefallecimiento..

TotalCargaFinanciera

$2092.39

EslasumatotaldelosinteresesmselSegurodeDesgravamenque
pagaelsociodurantelavigenciadelcrdito..

SumaTotaldeCuotas

$10092.39

Estconformadoporelmontodelcrditomslacargafinanciera..

TASADEINTERS

Concepto

ExplicacinenTrminosUtilizados

TasaNominal

15.2%

EslaTasadeIntersAnual.

TasaEfectiva

16.3%

EslaTasadeIntersdelaoperacinsegnelnmerodeperiodosde
pagoalao..

DelCostode
Financiamiento

17.01%

Tasamximareferencial
delBCE

Cuota
No.

Abono
Capital

16.3%

Tasaresultantedelasumadetodosloscostosygastosdirectose
indirectosrelacionadosalcrditoarecibir..
EslatasamximaactivaefectivapermitidaporelBancoCentraldel
Ecuadorporcadasegmentodecrdito..

Inters

Seguro
Desg..

Cuota

Saldo

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27/5/2015

SimuladordeCrdito

176.78

101.33

4.06

282.17

8,000.00

179.02

99.09

3.97

282.08

7,823.22

181.28

96.83

3.88

281.99

7,644.20

183.58

94.53

3.78

281.89

7,462.92

185.91

92.20

3.69

281.80

7,279.34

188.26

89.85

3.60

281.71

7,093.43

190.64

87.47

3.50

281.61

6,905.17

193.06

85.05

3.41

281.52

6,714.53

195.50

82.61

3.31

281.42

6,521.47

10

197.98

80.13

3.21

281.32

6,325.97

11

200.49

77.62

3.11

281.22

6,127.99

12

203.03

75.08

3.01

281.12

5,927.50

13

205.60

72.51

2.90

281.01

5,724.47

14

208.20

69.91

2.80

280.91

5,518.87

15

210.84

67.27

2.69

280.80

5,310.67

16

213.51

64.60

2.59

280.70

5,099.83

17

216.22

61.89

2.48

280.59

4,886.32

18

218.96

59.15

2.37

280.48

4,670.10

19

221.73

56.38

2.26

280.37

4,451.14

20

224.54

53.57

2.15

280.26

4,229.41

21

227.38

50.73

2.03

280.14

4,004.87

22

230.26

47.85

1.92

280.03

3,777.49

23

233.18

44.93

1.80

279.91

3,547.23

24

236.13

41.98

1.68

279.79

3,314.05

25

239.12

38.99

1.56

279.67

3,077.92

26

242.15

35.96

1.44

279.55

2,838.80

27

245.22

32.89

1.32

279.43

2,596.65

28

248.33

29.78

1.19

279.30

2,351.43

29

251.47

26.64

1.07

279.18

2,103.10

30

254.66

23.45

0.94

279.05

1,851.63

31

257.88

20.23

0.81

278.92

1,596.97

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27/5/2015

SimuladordeCrdito

32

261.15

16.96

0.68

278.79

1,339.09

33

264.46

13.65

0.55

278.66

1,077.94

34

267.81

10.30

0.41

278.52

813.48

35

271.20

6.91

0.28

278.39

545.67

36

274.47

3.48

0.14

278.09

274.47

TOTAL

8000.00

2011.80

80.59

10092.39

0.00

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