Valor Nominal

TEM

S/.

1.3159%

a) Fecha final
Fecha inicial
Fecha de pago anticipado
Periodo - dias
Valor Futuro
b) Prestamo
Tasa
Fecha inicial
Fecha traslado
Periodo - dias
Valor Futuro 31 Dic
Intereses Noviembre

8/20/2015
11/18/2014
2/5/2015
79
S/.70,381.80
S/.

11/18/2014
11/30/2014
12
S/.68,356.53
S/.356.53
1.3159%

11/18/2014
12/31/2014
43
S/.69,286.25

Valor Futuro 31 DIC

Nueva tasa
Fecha inicial
Fecha de pago anticipado
Periodo - dias
Valor Futuro 12 Julio

Pago 1
Tasa
Fecha inicial
Fecha traslado
Periodo - dias
Valor Futuro 31 de Dic
Pago 2

68,000
1.3159%

c) TEM
Fecha inicial
Fecha de cambio de tasa
Periodo dias
Valor Futuro 31 DIC

d) Prestamo
Tasa
Fecha inicial
Fecha traslado
Periodo - dias
Valor Futuro 31 Dic

68,000

S/.69,286.25
2.5324%

12/31/2014
2/5/2015
36
S/.71,397.08
S/.

68,000
1.3159%

11/18/2014
12/31/2014
43
S/.69,286.25
S/.3.00
1.3159%

12/15/2014
12/31/2014
16
S/.3.0210
S/.1.00

Tasa
Fecha traslado
Fecha final
Periodo - dias
Valor Futuro 31 de Dic

2.5324%

12/31/2014
2/5/2015
36
S/.0.97

Pago 3
Tasa
Fecha traslado
Fecha final
Periodo - dias
Valor Futuro 31 de Dic

S/.12,000.00

Pago 4
Tasa
Fecha traslado
Fecha final
Periodo - dias
Valor Futuro 31 de Dic

S/.14,000.00

2.5324%

12/31/2014
3/12/2015
71
S/.11,310.36

2.5324%

12/31/2014
8/20/2015
232
S/.11,538.12
x

S/.11,634.38

TIEMPO DE PENSIONES
15
180 MESES
PENSIN
8,900 MENSUALES
INICIAL
5,000
APORTE MENUAL
450
TEA ANTES DE JUBILARSE
9%
TEM ANTES DE JUBILARSE
0.0072073233
TEA DESPUES DE JUBILARSE
7%
TEM DESPUES DE JUBILARSE
0.0056541454
X= # DE MESES PARA APORTAR A SU JUBILACION
FONDO PARA JUBILARSE

###

CANTIDAD DE PERIODOS

384.39 MESES
32.0323222271
32 AOS

DATOS
PRESTAMO
NPER
TET
TE26
P.G
DIAS TOTAL PAGO
DIAS TOTAL

S/. 26,000.00
26
26
3%
0.858%
55 2.11538462
676
731

A. VF
CUOTA

S/. 26,473.92
S/. 1,140.30

B. CUOTA 9
DIAS
TOTAL DIAS
NPER
VA
PREPAGO
VF - MONTO A PAGAR
NUEVO CUOTA

234.00
442.00
17.00
S/. 17,966.85
S/. 9,000.00
S/. 8,966.85
S/. 569.10

C MES 13
TOTAL DIAS
NPER
VA
TET
TE26
PAGO

390
341.00
13.115384615
S/. 7,031.06
5%
0.0141947383
S/. 591.33

289.00

PRINCIPAL
NM. DE CUOTAS
TET
PER. GRACIA
COMISIN SPREAD
COMISIN FIJA
COMISIN DE ADM. (FLAT)
PORTES Y MANT.
TASA IMPOSITIVA
ITF
COMISIN FLAT
TEM TOTAL
VF (PRINCIPAL)
CUOTA MENSUAL

140,000
28
5%
2
0.07%
0
2.00%
10
30%
0.00%
2,800.00

1.7096%
144,827.90
6,552.10

a) y b)
Mes

Saldo

Inters

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

140,000.00
140,000.00
140,000.00
144,827.90
140,751.83
136,606.07
132,389.43
128,100.71
123,738.66
119,302.04
114,789.57
110,199.95
105,531.87
100,783.98
95,954.92
91,043.29
86,047.70
80,966.70
75,798.84
70,542.62
65,196.54
59,759.06
54,228.62
48,603.63
42,882.47
37,063.51
31,145.06

0.00
0.00
2,476.03
2,406.34
2,335.47
2,263.38
2,190.06
2,115.48
2,039.63
1,962.48
1,884.02
1,804.21
1,723.04
1,640.48
1,556.51
1,471.10
1,384.24
1,295.88
1,206.02
1,114.62
1,021.66
927.11
830.95
733.13
633.65
532.47

27
28
29
30

Nueva TEM
Nueva cuota con tasa nueva
c)

25,125.42
19,002.87
12,775.65
6,441.97

429.55
324.88
218.42
110.13

1.9469%
6,725.44

Mes

Saldo

Inters

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

140,000.00
140,000.00
140,000.00
144,827.90
140,751.83
136,606.07
132,389.43
128,100.71
123,738.66
119,128.70
114,439.93
109,671.00
104,820.53
99,887.14
94,869.41
89,765.89
84,575.12
79,295.61
73,925.83
68,464.26
62,909.31
57,259.39
51,512.87
45,668.12
39,723.44
33,677.12
27,527.44
21,272.62
14,910.86
8,440.35
1,859.21

0.00
0.00
2,476.03
2,406.34
2,335.47
2,263.38
2,190.06
2,115.48
2,036.67
1,956.51
1,874.97
1,792.05
1,707.71
1,621.92
1,534.67
1,445.93
1,355.67
1,263.86
1,170.49
1,075.52
978.93
880.68
780.76
679.13
575.76
470.62
363.68
254.92
144.30
31.79

d)
Mes

Saldo

Inters

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

140,000.00
140,000.00
140,000.00
144,827.90
140,751.83
136,606.07
132,389.43
128,100.71
123,738.66
119,128.70
114,439.93
109,671.00
104,820.53
99,887.14
94,869.41
89,765.89
84,575.12
79,295.61
61,925.83
57,546.81
53,092.92
48,562.88
43,955.40
39,269.14
34,502.77
29,654.91
24,724.17
19,709.13
14,608.36
9,420.37
4,143.70

0.00
0.00
2,476.03
2,406.34
2,335.47
2,263.38
2,190.06
2,115.48
2,036.67
1,956.51
1,874.97
1,792.05
1,707.71
1,621.92
1,534.67
1,445.93
1,355.67
1,058.71
983.84
907.70
830.25
751.48
671.36
589.87
506.99
422.69
336.95
249.75
161.05
70.84

MES CAMBIO EN LA TASA

NUEVA TEA
NUEVA TEM TOTAL
CUOTA-PREPAGO
PREPAGO

8
25%
1.9469%
15
12,000

Amortizacin

Cuota

COMISIONES

2,800.00

0.00
0.00
4,076.07
4,145.76
4,216.64
4,288.72
4,362.05
4,436.62
4,512.47
4,589.62
4,668.08
4,747.89
4,829.06
4,911.62
4,995.59
5,081.00
5,167.87
5,256.22
5,346.08
5,437.48
5,530.44
5,624.99
5,721.16
5,818.97
5,918.45
6,019.63

-140,000.00
0.00
0.00
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10

6,122.55
6,227.22
6,333.68
6,441.97
144,827.90

6,552.10
6,552.10
6,552.10
6,552.10
1.7096%
0.00

0.0000%

Amortizacin

Cuota

COMISIONES

2,800.00

0.00
0.00
4,076.07
4,145.76
4,216.64
4,288.72
4,362.05
4,609.96
4,688.77
4,768.93
4,850.47
4,933.39
5,017.73
5,103.52
5,190.77
5,279.51
5,369.77
5,461.58
5,554.95
5,649.92
5,746.51
5,844.76
5,944.68
6,046.31
6,149.68
6,254.82
6,361.76
6,470.52
6,581.14
1,859.21
144,827.90

-140,000.00
0.00
0.00
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
1,890.99
1.7096%
0.00

0.0000%

Amortizacin

Cuota

COMISIONES

2,800.00

0.00
0.00
4,076.07
4,145.76
4,216.64
4,288.72
4,362.05
4,609.96
4,688.77
4,768.93
4,850.47
4,933.39
5,017.73
5,103.52
5,190.77
5,279.51
17,369.77
4,379.03
4,453.89
4,530.04
4,607.48
4,686.25
4,766.37
4,847.86
4,930.74
5,015.04
5,100.78
5,187.98
5,276.68
4,143.70
144,827.90

-140,000.00
0.00
0.00
6,552.10
6,552.10
6,552.10
6,552.10
6,552.10
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
6,725.44
18,725.44
5,437.73
5,437.73
5,437.73
5,437.73
5,437.73
5,437.73
5,437.73
5,437.73
5,437.73
5,437.73
5,437.73
5,437.73
4,214.54
1.7096%
0.00

0.0000%

PORTES Y M

ITF

AT

FCN

0.00
0.00
0.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

840.00
0.00
0.00
745.81
724.90
703.64
682.01
660.02
637.64
614.89
591.75
568.21
544.26
519.91
495.14
469.95
444.33
418.27
391.77
364.81
337.39
309.50
281.13
252.28
222.94
193.10
162.74

138,040.00
0.00
0.00
-5,816.29
-5,837.20
-5,858.46
-5,880.09
-5,902.08
-5,924.46
-5,947.21
-5,970.36
-5,993.90
-6,017.84
-6,042.19
-6,066.96
-6,092.15
-6,117.77
-6,143.83
-6,170.34
-6,197.30
-6,224.71
-6,252.60
-6,280.97
-6,309.82
-6,339.16
-6,369.01
-6,399.36

10.00
10.00
10.00
10.00

0.00
0.00
0.00
0.00

PORTES Y M

ITF

0.00
0.00
0.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

131.87
100.46
68.53
36.04
TEM C.E.C. d.i.
TEA C.E.C. d.i.

AT

840.00
0.00
0.00
745.81
724.90
703.64
682.01
660.02
637.64
614.00
589.95
565.49
540.61
515.31
489.58
463.40
436.78
409.70
382.16
354.15
325.66
296.68
267.20
237.23
206.74
175.73
144.19
112.11
79.48
46.29
12.54
TEM C.E.C. d.i.
TEA C.E.C. d.i.

-6,430.24
-6,461.64
-6,493.58
-6,526.06
1.3577%
17.5663%

FCN

138,040.00
0.00
0.00
-5,816.29
-5,837.20
-5,858.46
-5,880.09
-5,902.08
-6,097.80
-6,121.44
-6,145.49
-6,169.95
-6,194.82
-6,220.13
-6,245.86
-6,272.04
-6,298.66
-6,325.74
-6,353.28
-6,381.29
-6,409.78
-6,438.76
-6,468.23
-6,498.21
-6,528.70
-6,559.71
-6,591.25
-6,623.33
-6,655.96
-6,689.15
-1,888.46
1.3605%
17.6045%

PORTES Y M

ITF

0.00
0.00
0.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

AT

840.00
0.00
0.00
745.81
724.90
703.64
682.01
660.02
637.64
614.00
589.95
565.49
540.61
515.31
489.58
463.40
436.78
409.70
320.61
298.15
275.31
252.07
228.44
204.41
179.96
155.10
129.81
104.09
77.92
51.32
24.25
TEM C.E.C. d.i.
TEA C.E.C. d.i.

FCN

138,040.00
0.00
0.00
-5,816.29
-5,837.20
-5,858.46
-5,880.09
-5,902.08
-6,097.80
-6,121.44
-6,145.49
-6,169.95
-6,194.82
-6,220.13
-6,245.86
-6,272.04
-6,298.66
-18,325.74
-5,127.12
-5,149.58
-5,172.42
-5,195.66
-5,219.29
-5,243.32
-5,267.77
-5,292.63
-5,317.92
-5,343.65
-5,369.81
-5,396.42
-4,200.29
1.3644%
17.6592%