Ejercicio Clase

A=C[(1+i)^n*i/81+i)^n-1]CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 85000 30% ANUALTEM 2.21%n 14Cuota 7125.5770751 7125.5770751

Periodo (s) Cuota Interés Capital Deuda Extinguida Saldo Insoluto0 85,000.00 1 7,125.58 1,878.88 5,246.70 5,246.70 79,753.30 2 7,125.58 1,762.90 5,362.67 10,609.37 74,390.63 3 7,125.58 1,644.36 5,481.21 16,090.59 68,909.41 4 7,125.58 1,523.20 5,602.37 21,692.96 63,307.04 5 7,125.58 1,399.37 5,726.21 27,419.17 57,580.83 6 7,125.58 1,272.79 5,852.78 33,271.95 51,728.05 7 7,125.58 1,143.42 5,982.16 39,254.11 45,745.89 8 7,125.58 1,011.19 6,114.39 45,368.50 39,631.50 9 7,125.58 876.03 6,249.54 51,618.04 33,381.96

10 7,125.58 737.89 6,387.69 58,005.73 26,994.27 11 7,125.58 596.69 6,528.88 64,534.61 20,465.39 12 7,125.58 452.38 6,673.20 71,207.82 13,792.18 13 7,125.58 304.87 6,820.71 78,028.52 6,971.48 14 7,125.58 154.10 6,971.48 85,000.00 -

99,758.08 14,758.08 85,000.00

0.02210445

1,878.88

CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 5000TEM 36.00%n 4Cuota 12.4877473139257

Periodo (s) Cuota Intereses Capital Deuda Extinguida Saldo Insoluto0 5,000.00 1 3,050.00 1,800.00 1,250.00 1,250.00 3,750.00 2 3,050.00 1,800.00 1,250.00 2,500.00 2,500.00 3 3,050.00 1,800.00 1,250.00 3,750.00 1,250.00 4 3,050.00 1,800.00 1,250.00 5,000.00 -

12,200.00 7,200.00 5,000.00

CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 5000TEM 0.00604491902429n 4

Periodo (s) Cuota Intereses Capital Deuda Extinguida Saldo Insoluto0 5,000.00 1 1,280.22 30.22 1,250.00 1,250.00 3,750.00 2 1,280.22 30.22 1,250.00 2,500.00 2,500.00 3 1,280.22 30.22 1,250.00 3,750.00 1,250.00 4 1,280.22 30.22 1,250.00 5,000.00 - 56789

1011121314151617

181920212223242526272829303132333435363738394041424344454647484950515253545556575859606162636465

66676869707172737475767778798081828384858687888990919293949596979899

100101102103104105106107108109110111112113

114115116117118119120121122123124125126127128129130131132133134135136137138139140141142143144145146147148149150151152153154155156157158159160161

162163164165166167168169170171172173174175176177178179180

5,120.90 120.90 5,000.00

SISTEMAS DE PAGO

Préstamo 10000TEM 1.06%n 10

Periodo (s) Cuota Intereses Capital Deuda Exting01 S/.1,059.28 1,800.00 1,250.00 1,250.00 2 S/.1,059.28 1,800.00 1,250.00 2,500.00 3 S/.1,059.28 1,800.00 1,250.00 3,750.00 4 S/.1,059.28 1,800.00 1,250.00 5,000.00 5 S/.1,059.28 1,800.00 1,250.00 6,250.00 6 S/.1,059.28 1,800.00 1,250.00 7,500.00 7 S/.1,059.28 1,800.00 1,250.00 8,750.00 8 S/.1,059.28 1,800.00 1,250.00 10,000.00 9 S/.1,059.28 1,800.00 1,250.00 11,250.00

10 S/.1,059.28 1,800.00 1,250.00 12,500.00 10,592.79 18,000.00 12,500.00

Saldo Insoluto - 3,750.00 2,500.00 1,250.00 - -1,250.00 -2,500.00 -3,750.00 -5,000.00 -6,250.00 -7,500.00

CUADRO DE AMORTIZACIÓN DE TIPO ALEMÁN (ITALIANO)Préstamo 5000TEM 36.00%n 4 24Cuota 12.4877473139257

Periodo (s) Cuota Interés Capital Deuda Extinguida Saldo Insoluto0 5,000.00 1 3,050.00 1,800.00 1,250.00 1,250.00 3,750.00 2 2,600.00 1,350.00 1,250.00 2,500.00 2,500.00 3 2,150.00 900.00 1,250.00 3,750.00 1,250.00 4 1,700.00 450.00 1,250.00 5,000.00 - 56789

101112131415161718192021222324252627282930

4,500.00 4,500.00

CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 5000TEM 0.60%n 4

Periodo (s) Cuota Intereses Capital Deuda Extinguida Saldo Insoluto0 5,000.00 1 1,280.22 30.22 1,250.00 1,250.00 3,750.00 2 1,272.67 22.67 1,250.00 2,500.00 2,500.00 3 1,265.11 15.11 1,250.00 3,750.00 1,250.00 4 1,257.56 7.56 1,250.00 5,000.00 - 56789

101112131415161718192021222324252627282930

313233343536373839404142434445464748495051525354555657585960616263646566676869707172737475767778

798081828384858687888990919293949596979899

100101102103104105106107108109110111112113114115116117118119120121122123124125126

127128129130131132133134135136137138139140141142143144145146147148149150151152153154155156157158159160161162163164165166167168169170171172173174

175176177178179180

5,075.56 75.56 5,000.00

Periodo (s) Cuota Interés Capital Deuda Extinguida Saldo Insoluto0 24,000.00 1 8,848.33 8,640.00 208.33 208.33 4,791.67 2 1,933.33 1,725.00 208.33 416.67 4,583.33 3 1,858.33 1,650.00 208.33 625.00 4,375.00 4 1,783.33 1,575.00 208.33 833.33 4,166.67 5 1,708.33 1,500.00 208.33 1,041.67 3,958.33 6 1,633.33 1,425.00 208.33 1,250.00 3,750.00 7 1,558.33 1,350.00 208.33 1,458.33 3,541.67 8 1,483.33 1,275.00 208.33 1,666.67 3,333.33 9 1,408.33 1,200.00 208.33 1,875.00 3,125.00

10 1,333.33 1,125.00 208.33 2,083.33 2,916.67 11 1,258.33 1,050.00 208.33 2,291.67 2,708.33 12 1,183.33 975.00 208.33 2,500.00 2,500.00 13 1,108.33 900.00 208.33 2,708.33 2,291.67 14 1,033.33 825.00 208.33 2,916.67 2,083.33 15 958.33 750.00 208.33 3,125.00 1,875.00 16 883.33 675.00 208.33 3,333.33 1,666.67 17 808.33 600.00 208.33 3,541.67 1,458.33 18 733.33 525.00 208.33 3,750.00 1,250.00 19 658.33 450.00 208.33 3,958.33 1,041.67 20 583.33 375.00 208.33 4,166.67 833.33 21 508.33 300.00 208.33 4,375.00 625.00 22 433.33 225.00 208.33 4,583.33 416.67 23 358.33 150.00 208.33 4,791.67 208.33 24 283.33 75.00 208.33 5,000.00 -

20,700.00

9,500.00

9,500.00 4,500.00

Periodo (s) Cuota Interés Capital Deuda Extinguida01 9,150.00 5,400.00 3,750.00 3,750.00 2 7,800.00 4,050.00 3,750.00 7,500.00 3 6,450.00 2,700.00 3,750.00 11,250.00 4 5,100.00 1,350.00 3,750.00 15,000.00 5 3,750.00 - 3,750.00 18,750.00 6 2,400.00 -1,350.00 3,750.00 22,500.00 7 1,050.00 -2,700.00 3,750.00 26,250.00 8 -300.00 -4,050.00 3,750.00 30,000.00 9 -1,650.00 -5,400.00 3,750.00 33,750.00

10 -3,000.00 -6,750.00 3,750.00 37,500.00 11 -4,350.00 -8,100.00 3,750.00 41,250.00 12 -5,700.00 -9,450.00 3,750.00 45,000.00 13 -7,050.00 -10,800.00 3,750.00 48,750.00 14 -8,400.00 -12,150.00 3,750.00 52,500.00 15 -9,750.00 -13,500.00 3,750.00 56,250.00 16 -11,100.00 -14,850.00 3,750.00 60,000.00 17 -12,450.00 -16,200.00 3,750.00 63,750.00 18 -13,800.00 -17,550.00 3,750.00 67,500.00 19 -15,150.00 -18,900.00 3,750.00 71,250.00 20 -16,500.00 -20,250.00 3,750.00 75,000.00 21 -17,850.00 -21,600.00 3,750.00 78,750.00 22 -19,200.00 -22,950.00 3,750.00 82,500.00 23 -20,550.00 -24,300.00 3,750.00 86,250.00 24 -21,900.00 -25,650.00 3,750.00 90,000.00 25 -23,250.00 -27,000.00 3,750.00 93,750.00 26 -24,600.00 -28,350.00 3,750.00 97,500.00 27 -25,950.00 -29,700.00 3,750.00 101,250.00 28 -27,300.00 -31,050.00 3,750.00 105,000.00 29 -28,650.00 -32,400.00 3,750.00 108,750.00 30 -30,000.00 -33,750.00 3,750.00 112,500.00

-425,250.00

Saldo Insoluto 15,000.00 11,250.00 7,500.00 3,750.00 - -3,750.00 -7,500.00 -11,250.00 -15,000.00 -18,750.00 -22,500.00 -26,250.00 -30,000.00 -33,750.00 -37,500.00 -41,250.00 -45,000.00 -48,750.00 -52,500.00 -56,250.00 -60,000.00 -63,750.00 -67,500.00 -71,250.00 -75,000.00 -78,750.00 -82,500.00 -86,250.00 -90,000.00 -93,750.00 -97,500.00

A=C[(1+i)^n*i/81+i)^n-1]CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 5000TEM 36%n 4Cuota 2543.4882327 2543.4882327

Periodo (s) Cuota Interés Capital Deuda Extingui Saldo Insoluto0 5,000.00 1 3,050.00 1,800.00 1,250.00 1,250.00 3,750.00 2 2,600.00 1,350.00 1,250.00 2,500.00 2,500.00 3 2,150.00 900.00 1,250.00 3,750.00 1,250.00 4 1,700.00 450.00 1,250.00 5,000.00 - 56789

10 9,500.00 4,500.00 5,000.00

CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 5000TEM 0.60%n 4Cuota 1268.9472949 1268.9472949

Periodo (s) Cuota Interés Capital Deuda Extingui Saldo Insoluto0 5,000.00 1 1,268.95 30.22 1,238.72 1,238.72 3,761.28 2 456.54 22.74 433.80 1,672.53 3,327.47 3 456.54 20.11 436.43 2,108.95 2,891.05 4 456.54 17.48 439.07 2,548.02 2,451.98 5 456.54 14.82 441.72 2,989.74 2,010.26 6 456.54 12.15 444.39 3,434.13 1,565.87 7 456.54 9.47 447.08 3,881.20 1,118.80 8 456.54 6.76 449.78 4,330.98 669.02 9 456.54 4.04 452.50 4,783.48 216.52

10 456.54 1.31 455.23 5,238.71 -238.71 11 456.54 -1.44 457.98 5,696.70 -696.70 12 456.54 -4.21 460.75 6,157.45 -1,157.45 13 456.54 -7.00 463.54 6,620.99 -1,620.99 14 456.54 -9.80 466.34 7,087.33 -2,087.33 15 456.54 -12.62 469.16 7,556.49 -2,556.49 16 456.54 -15.45 472.00 8,028.48 -3,028.48

17 456.54 -18.31 474.85 8,503.33 -3,503.33 18 456.54 -21.18 477.72 8,981.05 -3,981.05 19 456.54 -24.07 480.61 9,461.66 -4,461.66 20 456.54 -26.97 483.51 9,945.17 -4,945.17 21 456.54 -29.89 486.43 10,431.60 -5,431.60 22 456.54 -32.83 489.38 10,920.98 -5,920.98 23 456.54 -35.79 492.33 11,413.31 -6,413.31 24 456.54 -38.77 495.31 11,908.62 -6,908.62 25 456.54 -41.76 498.30 12,406.92 -7,406.92 26 456.54 -44.77 501.32 12,908.24 -7,908.24 27 456.54 -47.80 504.35 13,412.59 -8,412.59 28 456.54 -50.85 507.39 13,919.98 -8,919.98 29 456.54 -53.92 510.46 14,430.44 -9,430.44 30 456.54 -57.01 513.55 14,943.99 -9,943.99 31 456.54 -60.11 516.65 15,460.64 -10,460.64 32 456.54 -63.23 519.78 15,980.42 -10,980.42 33 456.54 -66.38 522.92 16,503.34 -11,503.34 34 456.54 -69.54 526.08 17,029.41 -12,029.41 35 456.54 -72.72 529.26 17,558.67 -12,558.67 36 456.54 -75.92 532.46 18,091.13 -13,091.13 37 456.54 -79.13 535.68 18,626.81 -13,626.81 38 456.54 -82.37 538.91 19,165.72 -14,165.72 39 456.54 -85.63 542.17 19,707.89 -14,707.89 40 456.54 -88.91 545.45 20,253.34 -15,253.34 41 456.54 -92.21 548.75 20,802.09 -15,802.09 42 456.54 -95.52 552.06 21,354.15 -16,354.15 43 456.54 -98.86 555.40 21,909.55 -16,909.55 44 456.54 -102.22 558.76 22,468.31 -17,468.31 45 456.54 -105.59 562.14 23,030.45 -18,030.45 46 456.54 -108.99 565.53 23,595.98 -18,595.98 47 456.54 -112.41 568.95 24,164.93 -19,164.93 48 456.54 -115.85 572.39 24,737.33 -19,737.33 49 456.54 -119.31 575.85 25,313.18 -20,313.18 50 456.54 -122.79 579.33 25,892.51 -20,892.51 51 456.54 -126.29 582.83 26,475.35 -21,475.35 52 456.54 -129.82 586.36 27,061.70 -22,061.70 53 456.54 -133.36 589.90 27,651.61 -22,651.61 54 456.54 -136.93 593.47 28,245.08 -23,245.08 55 456.54 -140.51 597.06 28,842.13 -23,842.13 56 456.54 -144.12 600.67 29,442.80 -24,442.80 57 456.54 -147.75 604.30 30,047.09 -25,047.09 58 456.54 -151.41 607.95 30,655.04 -25,655.04 59 456.54 -155.08 611.62 31,266.67 -26,266.67 60 456.54 -158.78 615.32 31,881.99 -26,881.99 61 456.54 -162.50 619.04 32,501.03 -27,501.03 62 456.54 -166.24 622.78 33,123.81 -28,123.81 63 456.54 -170.01 626.55 33,750.36 -28,750.36 64 456.54 -173.79 630.34 34,380.69 -29,380.69

65 456.54 -177.60 634.15 35,014.84 -30,014.84 66 456.54 -181.44 637.98 35,652.82 -30,652.82 67 456.54 -185.29 641.84 36,294.65 -31,294.65 68 456.54 -189.17 645.72 36,940.37 -31,940.37 69 456.54 -193.08 649.62 37,589.99 -32,589.99 70 456.54 -197.00 653.55 38,243.53 -33,243.53 71 456.54 -200.95 657.50 38,901.03 -33,901.03 72 456.54 -204.93 661.47 39,562.50 -34,562.50 73 456.54 -208.93 665.47 40,227.97 -35,227.97 74 456.54 -212.95 669.49 40,897.46 -35,897.46 75 456.54 -217.00 673.54 41,571.00 -36,571.00 76 456.54 -221.07 677.61 42,248.61 -37,248.61 77 456.54 -225.16 681.71 42,930.31 -37,930.31 78 456.54 -229.29 685.83 43,616.14 -38,616.14 79 456.54 -233.43 689.97 44,306.11 -39,306.11 80 456.54 -237.60 694.14 45,000.26 -40,000.26 81 456.54 -241.80 698.34 45,698.60 -40,698.60 82 456.54 -246.02 702.56 46,401.16 -41,401.16 83 456.54 -250.27 706.81 47,107.97 -42,107.97 84 456.54 -254.54 711.08 47,819.05 -42,819.05 85 456.54 -258.84 715.38 48,534.43 -43,534.43 86 456.54 -263.16 719.70 49,254.13 -44,254.13 87 456.54 -267.51 724.05 49,978.18 -44,978.18 88 456.54 -271.89 728.43 50,706.62 -45,706.62 89 456.54 -276.29 732.83 51,439.45 -46,439.45 90 456.54 -280.72 737.26 52,176.71 -47,176.71 91 456.54 -285.18 741.72 52,918.43 -47,918.43 92 456.54 -289.66 746.20 53,664.64 -48,664.64 93 456.54 -294.17 750.72 54,415.35 -49,415.35 94 456.54 -298.71 755.25 55,170.61 -50,170.61 95 456.54 -303.28 759.82 55,930.43 -50,930.43 96 456.54 -307.87 764.41 56,694.84 -51,694.84 97 456.54 -312.49 769.03 57,463.87 -52,463.87 98 456.54 -317.14 773.68 58,237.55 -53,237.55 99 456.54 -321.82 778.36 59,015.91 -54,015.91

100 456.54 -326.52 783.06 59,798.97 -54,798.97 101 456.54 -331.26 787.80 60,586.77 -55,586.77 102 456.54 -336.02 792.56 61,379.33 -56,379.33 103 456.54 -340.81 797.35 62,176.68 -57,176.68 104 456.54 -345.63 802.17 62,978.85 -57,978.85 105 456.54 -350.48 807.02 63,785.87 -58,785.87 106 456.54 -355.36 811.90 64,597.76 -59,597.76 107 456.54 -360.26 816.81 65,414.57 -60,414.57 108 456.54 -365.20 821.74 66,236.31 -61,236.31 109 456.54 -370.17 826.71 67,063.02 -62,063.02 110 456.54 -375.17 831.71 67,894.73 -62,894.73 111 456.54 -380.19 836.73 68,731.46 -63,731.46 112 456.54 -385.25 841.79 69,573.26 -64,573.26

113 456.54 -390.34 846.88 70,420.14 -65,420.14 114 456.54 -395.46 852.00 71,272.14 -66,272.14 115 456.54 -400.61 857.15 72,129.29 -67,129.29 116 456.54 -405.79 862.33 72,991.62 -67,991.62 117 456.54 -411.00 867.55 73,859.17 -68,859.17 118 456.54 -416.25 872.79 74,731.96 -69,731.96 119 456.54 -421.52 878.07 75,610.02 -70,610.02 120 456.54 -426.83 883.37 76,493.40 -71,493.40 121 456.54 -432.17 888.71 77,382.11 -72,382.11 122 456.54 -437.54 894.09 78,276.20 -73,276.20 123 456.54 -442.95 899.49 79,175.69 -74,175.69 124 456.54 -448.39 904.93 80,080.61 -75,080.61 125 456.54 -453.86 910.40 80,991.01 -75,991.01 126 456.54 -459.36 915.90 81,906.91 -76,906.91 127 456.54 -464.90 921.44 82,828.35 -77,828.35 128 456.54 -470.47 927.01 83,755.36 -78,755.36 129 456.54 -476.07 932.61 84,687.97 -79,687.97 130 456.54 -481.71 938.25 85,626.22 -80,626.22 131 456.54 -487.38 943.92 86,570.14 -81,570.14 132 456.54 -493.08 949.63 87,519.76 -82,519.76 133 456.54 -498.83 955.37 88,475.13 -83,475.13 134 456.54 -504.60 961.14 89,436.27 -84,436.27 135 456.54 -510.41 966.95 90,403.22 -85,403.22 136 456.54 -516.26 972.80 91,376.02 -86,376.02 137 456.54 -522.14 978.68 92,354.70 -87,354.70 138 456.54 -528.05 984.59 93,339.29 -88,339.29 139 456.54 -534.00 990.55 94,329.84 -89,329.84 140 456.54 -539.99 996.53 95,326.37 -90,326.37 141 456.54 -546.02 1,002.56 96,328.93 -91,328.93 142 456.54 -552.08 1,008.62 97,337.55 -92,337.55 143 456.54 -558.17 1,014.71 98,352.26 -93,352.26 144 456.54 -564.31 1,020.85 99,373.11 -94,373.11 145 456.54 -570.48 1,027.02 100,400.13 -95,400.13 146 456.54 -576.69 1,033.23 101,433.36 -96,433.36 147 456.54 -582.93 1,039.47 102,472.83 -97,472.83 148 456.54 -589.22 1,045.76 103,518.59 -98,518.59 149 456.54 -595.54 1,052.08 104,570.66 -99,570.66 150 456.54 -601.90 1,058.44 105,629.10 -100,629.10 151 456.54 -608.29 1,064.84 106,693.94 -101,693.94 152 456.54 -614.73 1,071.27 107,765.21 -102,765.21 153 456.54 -621.21 1,077.75 108,842.96 -103,842.96 154 456.54 -627.72 1,084.26 109,927.22 -104,927.22 155 456.54 -634.28 1,090.82 111,018.04 -106,018.04 156 456.54 -640.87 1,097.41 112,115.45 -107,115.45 157 456.54 -647.50 1,104.05 113,219.50 -108,219.50 158 456.54 -654.18 1,110.72 114,330.22 -109,330.22 159 456.54 -660.89 1,117.43 115,447.65 -110,447.65 160 456.54 -667.65 1,124.19 116,571.84 -111,571.84

161 456.54 -674.44 1,130.98 117,702.83 -112,702.83 162 456.54 -681.28 1,137.82 118,840.65 -113,840.65 163 456.54 -688.16 1,144.70 119,985.35 -114,985.35 164 456.54 -695.08 1,151.62 121,136.96 -116,136.96 165 456.54 -702.04 1,158.58 122,295.54 -117,295.54 166 456.54 -709.04 1,165.58 123,461.13 -118,461.13 167 456.54 -716.09 1,172.63 124,633.76 -119,633.76 168 456.54 -723.18 1,179.72 125,813.47 -120,813.47 169 456.54 -730.31 1,186.85 127,000.32 -122,000.32 170 456.54 -737.48 1,194.02 128,194.35 -123,194.35 171 456.54 -744.70 1,201.24 129,395.59 -124,395.59 172 456.54 -751.96 1,208.50 130,604.09 -125,604.09 173 456.54 -759.27 1,215.81 131,819.90 -126,819.90 174 456.54 -766.62 1,223.16 133,043.06 -128,043.06 175 456.54 -774.01 1,230.55 134,273.61 -129,273.61 176 456.54 -781.45 1,237.99 135,511.60 -130,511.60 177 456.54 -788.93 1,245.47 136,757.07 -131,757.07 178 456.54 -796.46 1,253.00 138,010.07 -133,010.07 179 456.54 -804.04 1,260.58 139,270.65 -134,270.65 180 456.54 -811.66 1,268.20 140,538.85 -135,538.85

82,989.87 -57,548.98 140,538.85

CUADRO COMPARATIVOFLAT ALEMÁN FRANCÉS

Periodo Intereses Capital Intereses Capital Interés Capitalo

1 302.25 277.78 302.25 277.78 302.25 154.30 2 302.25 277.78 300.57 277.78 301.31 155.23 3 302.25 277.78 298.89 277.78 300.37 156.17 4 302.25 277.78 297.21 277.78 299.43 157.11 5 302.25 277.78 295.53 277.78 298.48 158.06 6 302.25 277.78 293.85 277.78 297.53 159.02 7 302.25 277.78 292.17 277.78 296.56 159.98 8 302.25 277.78 290.49 277.78 295.60 160.94 9 302.25 277.78 288.81 277.78 294.62 161.92

10 302.25 277.78 287.13 277.78 293.65 162.90 11 302.25 277.78 285.45 277.78 292.66 163.88 12 302.25 277.78 283.78 277.78 291.67 164.87 13 302.25 277.78 282.10 277.78 290.67 165.87 14 302.25 277.78 280.42 277.78 289.67 166.87 15 302.25 277.78 278.74 277.78 288.66 167.88 16 302.25 277.78 277.06 277.78 287.65 168.89 17 302.25 277.78 275.38 277.78 286.63 169.91 18 302.25 277.78 273.70 277.78 285.60 170.94 19 302.25 277.78 272.02 277.78 284.57 171.98 20 302.25 277.78 270.34 277.78 283.53 173.01

21 302.25 277.78 268.66 277.78 282.48 174.06 22 302.25 277.78 266.98 277.78 281.43 175.11 23 302.25 277.78 265.30 277.78 280.37 176.17 24 302.25 277.78 263.63 277.78 279.31 177.24 25 302.25 277.78 261.95 277.78 278.23 178.31 26 302.25 277.78 260.27 277.78 277.16 179.39 27 302.25 277.78 258.59 277.78 276.07 180.47 28 302.25 277.78 256.91 277.78 274.98 181.56 29 302.25 277.78 255.23 277.78 273.88 182.66 30 302.25 277.78 253.55 277.78 272.78 183.76 31 302.25 277.78 251.87 277.78 271.67 184.87 32 302.25 277.78 250.19 277.78 270.55 185.99 33 302.25 277.78 248.51 277.78 269.43 187.12 34 302.25 277.78 246.83 277.78 268.30 188.25 35 302.25 277.78 245.16 277.78 267.16 189.38 36 302.25 277.78 243.48 277.78 266.01 190.53 37 302.25 277.78 241.80 277.78 264.86 191.68 38 302.25 277.78 240.12 277.78 263.70 192.84 39 302.25 277.78 238.44 277.78 262.54 194.01 40 302.25 277.78 236.76 277.78 261.36 195.18 41 302.25 277.78 235.08 277.78 260.18 196.36 42 302.25 277.78 233.40 277.78 259.00 197.54 43 302.25 277.78 231.72 277.78 257.80 198.74 44 302.25 277.78 230.04 277.78 256.60 199.94 45 302.25 277.78 228.36 277.78 255.39 201.15 46 302.25 277.78 226.68 277.78 254.18 202.36 47 302.25 277.78 225.01 277.78 252.95 203.59 48 302.25 277.78 223.33 277.78 251.72 204.82 49 302.25 277.78 221.65 277.78 250.48 206.06 50 302.25 277.78 219.97 277.78 249.24 207.30 51 302.25 277.78 218.29 277.78 247.99 208.56 52 302.25 277.78 216.61 277.78 246.73 209.82 53 302.25 277.78 214.93 277.78 245.46 211.08 54 302.25 277.78 213.25 277.78 244.18 212.36 55 302.25 277.78 211.57 277.78 242.90 213.64 56 302.25 277.78 209.89 277.78 241.61 214.94 57 302.25 277.78 208.21 277.78 240.31 216.24 58 302.25 277.78 206.53 277.78 239.00 217.54 59 302.25 277.78 204.86 277.78 237.68 218.86 60 302.25 277.78 203.18 277.78 236.36 220.18 61 302.25 277.78 201.50 277.78 235.03 221.51 62 302.25 277.78 199.82 277.78 233.69 222.85 63 302.25 277.78 198.14 277.78 232.34 224.20 64 302.25 277.78 196.46 277.78 230.99 225.55 65 302.25 277.78 194.78 277.78 229.63 226.92 66 302.25 277.78 193.10 277.78 228.25 228.29 67 302.25 277.78 191.42 277.78 226.87 229.67 68 302.25 277.78 189.74 277.78 225.49 231.06

69 302.25 277.78 188.06 277.78 224.09 232.45 70 302.25 277.78 186.39 277.78 222.68 233.86 71 302.25 277.78 184.71 277.78 221.27 235.27 72 302.25 277.78 183.03 277.78 219.85 236.69 73 302.25 277.78 181.35 277.78 218.42 238.12 74 302.25 277.78 179.67 277.78 216.98 239.56 75 302.25 277.78 177.99 277.78 215.53 241.01 76 302.25 277.78 176.31 277.78 214.07 242.47 77 302.25 277.78 174.63 277.78 212.61 243.93 78 302.25 277.78 172.95 277.78 211.13 245.41 79 302.25 277.78 171.27 277.78 209.65 246.89 80 302.25 277.78 169.59 277.78 208.16 248.39 81 302.25 277.78 167.91 277.78 206.65 249.89 82 302.25 277.78 166.24 277.78 205.14 251.40 83 302.25 277.78 164.56 277.78 203.62 252.92 84 302.25 277.78 162.88 277.78 202.10 254.45 85 302.25 277.78 161.20 277.78 200.56 255.98 86 302.25 277.78 159.52 277.78 199.01 257.53 87 302.25 277.78 157.84 277.78 197.45 259.09 88 302.25 277.78 156.16 277.78 195.89 260.65 89 302.25 277.78 154.48 277.78 194.31 262.23 90 302.25 277.78 152.80 277.78 192.73 263.81 91 302.25 277.78 151.12 277.78 191.13 265.41 92 302.25 277.78 149.44 277.78 189.53 267.01 93 302.25 277.78 147.76 277.78 187.91 268.63 94 302.25 277.78 146.09 277.78 186.29 270.25 95 302.25 277.78 144.41 277.78 184.66 271.89 96 302.25 277.78 142.73 277.78 183.01 273.53 97 302.25 277.78 141.05 277.78 181.36 275.18 98 302.25 277.78 139.37 277.78 179.70 276.85 99 302.25 277.78 137.69 277.78 178.02 278.52

100 302.25 277.78 136.01 277.78 176.34 280.20 101 302.25 277.78 134.33 277.78 174.64 281.90 102 302.25 277.78 132.65 277.78 172.94 283.60 103 302.25 277.78 130.97 277.78 171.23 285.32 104 302.25 277.78 129.29 277.78 169.50 287.04 105 302.25 277.78 127.61 277.78 167.77 288.78 106 302.25 277.78 125.94 277.78 166.02 290.52 107 302.25 277.78 124.26 277.78 164.26 292.28 108 302.25 277.78 122.58 277.78 162.50 294.04 109 302.25 277.78 120.90 277.78 160.72 295.82 110 302.25 277.78 119.22 277.78 158.93 297.61 111 302.25 277.78 117.54 277.78 157.13 299.41 112 302.25 277.78 115.86 277.78 155.32 301.22 113 302.25 277.78 114.18 277.78 153.50 303.04 114 302.25 277.78 112.50 277.78 151.67 304.87 115 302.25 277.78 110.82 277.78 149.83 306.71 116 302.25 277.78 109.14 277.78 147.97 308.57

117 302.25 277.78 107.47 277.78 146.11 310.43 118 302.25 277.78 105.79 277.78 144.23 312.31 119 302.25 277.78 104.11 277.78 142.34 314.20 120 302.25 277.78 102.43 277.78 140.44 316.10 121 302.25 277.78 100.75 277.78 138.53 318.01 122 302.25 277.78 99.07 277.78 136.61 319.93 123 302.25 277.78 97.39 277.78 134.68 321.86 124 302.25 277.78 95.71 277.78 132.73 323.81 125 302.25 277.78 94.03 277.78 130.77 325.77 126 302.25 277.78 92.35 277.78 128.80 327.74 127 302.25 277.78 90.67 277.78 126.82 329.72 128 302.25 277.78 88.99 277.78 124.83 331.71 129 302.25 277.78 87.32 277.78 122.83 333.72 130 302.25 277.78 85.64 277.78 120.81 335.73 131 302.25 277.78 83.96 277.78 118.78 337.76 132 302.25 277.78 82.28 277.78 116.74 339.80 133 302.25 277.78 80.60 277.78 114.68 341.86 134 302.25 277.78 78.92 277.78 112.62 343.92 135 302.25 277.78 77.24 277.78 110.54 346.00 136 302.25 277.78 75.56 277.78 108.45 348.10 137 302.25 277.78 73.88 277.78 106.34 350.20 138 302.25 277.78 72.20 277.78 104.22 352.32 139 302.25 277.78 70.52 277.78 102.10 354.45 140 302.25 277.78 68.84 277.78 99.95 356.59 141 302.25 277.78 67.17 277.78 97.80 358.74 142 302.25 277.78 65.49 277.78 95.63 360.91 143 302.25 277.78 63.81 277.78 93.45 363.09 144 302.25 277.78 62.13 277.78 91.25 365.29 145 302.25 277.78 60.45 277.78 89.04 367.50 146 302.25 277.78 58.77 277.78 86.82 369.72 147 302.25 277.78 57.09 277.78 84.59 371.95 148 302.25 277.78 55.41 277.78 82.34 374.20 149 302.25 277.78 53.73 277.78 80.08 376.46 150 302.25 277.78 52.05 277.78 77.80 378.74 151 302.25 277.78 50.37 277.78 75.51 381.03 152 302.25 277.78 48.70 277.78 73.21 383.33 153 302.25 277.78 47.02 277.78 70.89 385.65 154 302.25 277.78 45.34 277.78 68.56 387.98 155 302.25 277.78 43.66 277.78 66.21 390.33 156 302.25 277.78 41.98 277.78 63.86 392.69 157 302.25 277.78 40.30 277.78 61.48 395.06 158 302.25 277.78 38.62 277.78 59.09 397.45 159 302.25 277.78 36.94 277.78 56.69 399.85 160 302.25 277.78 35.26 277.78 54.27 402.27 161 302.25 277.78 33.58 277.78 51.84 404.70 162 302.25 277.78 31.90 277.78 49.40 407.15 163 302.25 277.78 30.22 277.78 46.93 409.61 164 302.25 277.78 28.55 277.78 44.46 412.08

165 302.25 277.78 26.87 277.78 41.97 414.57 166 302.25 277.78 25.19 277.78 39.46 417.08 167 302.25 277.78 23.51 277.78 36.94 419.60 168 302.25 277.78 21.83 277.78 34.40 422.14 169 302.25 277.78 20.15 277.78 31.85 424.69 170 302.25 277.78 18.47 277.78 29.28 427.26 171 302.25 277.78 16.79 277.78 26.70 429.84 172 302.25 277.78 15.11 277.78 24.10 432.44 173 302.25 277.78 13.43 277.78 21.49 435.05 174 302.25 277.78 11.75 277.78 18.86 437.68 175 302.25 277.78 10.07 277.78 16.21 440.33 176 302.25 277.78 8.40 277.78 13.55 442.99 177 302.25 277.78 6.72 277.78 10.87 445.67 178 302.25 277.78 5.04 277.78 8.18 448.36 179 302.25 277.78 3.36 277.78 5.47 451.07 180 302.25 277.78 1.68 277.78 2.74 453.80

54,404.27 50,000.00 27,353.26 50,000.00 32,177.46 50,000.00

FLAT ALEMÁN FRANCÉSPeriodo Intereses Intereses InterésPeriodo FLAT ALEMÁN FRANCÉS

1 302.25 302.25 302.25 2 302.25 300.57 301.31 3 302.25 298.89 300.37 4 302.25 297.21 299.43 5 302.25 295.53 298.48 6 302.25 293.85 297.53 7 302.25 292.17 296.56 8 302.25 290.49 295.60 9 302.25 288.81 294.62

10 302.25 287.13 293.65 11 302.25 285.45 292.66 12 302.25 283.78 291.67 13 302.25 282.10 290.67 14 302.25 280.42 289.67 15 302.25 278.74 288.66 16 302.25 277.06 287.65 17 302.25 275.38 286.63 18 302.25 273.70 285.60 19 302.25 272.02 284.57 20 302.25 270.34 283.53 21 302.25 268.66 282.48 22 302.25 266.98 281.43 23 302.25 265.30 280.37 24 302.25 263.63 279.31 25 302.25 261.95 278.23 26 302.25 260.27 277.16

27 302.25 258.59 276.07 28 302.25 256.91 274.98 29 302.25 255.23 273.88 30 302.25 253.55 272.78 31 302.25 251.87 271.67 32 302.25 250.19 270.55 33 302.25 248.51 269.43 34 302.25 246.83 268.30 35 302.25 245.16 267.16 36 302.25 243.48 266.01 37 302.25 241.80 264.86 38 302.25 240.12 263.70 39 302.25 238.44 262.54 40 302.25 236.76 261.36 41 302.25 235.08 260.18 42 302.25 233.40 259.00 43 302.25 231.72 257.80 44 302.25 230.04 256.60 45 302.25 228.36 255.39 46 302.25 226.68 254.18 47 302.25 225.01 252.95 48 302.25 223.33 251.72 49 302.25 221.65 250.48 50 302.25 219.97 249.24 51 302.25 218.29 247.99 52 302.25 216.61 246.73 53 302.25 214.93 245.46 54 302.25 213.25 244.18 55 302.25 211.57 242.90 56 302.25 209.89 241.61 57 302.25 208.21 240.31 58 302.25 206.53 239.00 59 302.25 204.86 237.68 60 302.25 203.18 236.36 61 302.25 201.50 235.03 62 302.25 199.82 233.69 63 302.25 198.14 232.34 64 302.25 196.46 230.99 65 302.25 194.78 229.63 66 302.25 193.10 228.25 67 302.25 191.42 226.87 68 302.25 189.74 225.49 69 302.25 188.06 224.09 70 302.25 186.39 222.68 71 302.25 184.71 221.27 72 302.25 183.03 219.85 73 302.25 181.35 218.42 74 302.25 179.67 216.98

75 302.25 177.99 215.53 76 302.25 176.31 214.07 77 302.25 174.63 212.61 78 302.25 172.95 211.13 79 302.25 171.27 209.65 80 302.25 169.59 208.16 81 302.25 167.91 206.65 82 302.25 166.24 205.14 83 302.25 164.56 203.62 84 302.25 162.88 202.10 85 302.25 161.20 200.56 86 302.25 159.52 199.01 87 302.25 157.84 197.45 88 302.25 156.16 195.89 89 302.25 154.48 194.31 90 302.25 152.80 192.73 91 302.25 151.12 191.13 92 302.25 149.44 189.53 93 302.25 147.76 187.91 94 302.25 146.09 186.29 95 302.25 144.41 184.66 96 302.25 142.73 183.01 97 302.25 141.05 181.36 98 302.25 139.37 179.70 99 302.25 137.69 178.02

100 302.25 136.01 176.34 101 302.25 134.33 174.64 102 302.25 132.65 172.94 103 302.25 130.97 171.23 104 302.25 129.29 169.50 105 302.25 127.61 167.77 106 302.25 125.94 166.02 107 302.25 124.26 164.26 108 302.25 122.58 162.50 109 302.25 120.90 160.72 110 302.25 119.22 158.93 111 302.25 117.54 157.13 112 302.25 115.86 155.32 113 302.25 114.18 153.50 114 302.25 112.50 151.67 115 302.25 110.82 149.83 116 302.25 109.14 147.97 117 302.25 107.47 146.11 118 302.25 105.79 144.23 119 302.25 104.11 142.34 120 302.25 102.43 140.44 121 302.25 100.75 138.53 122 302.25 99.07 136.61

123 302.25 97.39 134.68 124 302.25 95.71 132.73 125 302.25 94.03 130.77 126 302.25 92.35 128.80 127 302.25 90.67 126.82 128 302.25 88.99 124.83 129 302.25 87.32 122.83 130 302.25 85.64 120.81 131 302.25 83.96 118.78 132 302.25 82.28 116.74 133 302.25 80.60 114.68 134 302.25 78.92 112.62 135 302.25 77.24 110.54 136 302.25 75.56 108.45 137 302.25 73.88 106.34 138 302.25 72.20 104.22 139 302.25 70.52 102.10 140 302.25 68.84 99.95 141 302.25 67.17 97.80 142 302.25 65.49 95.63 143 302.25 63.81 93.45 144 302.25 62.13 91.25 145 302.25 60.45 89.04 146 302.25 58.77 86.82 147 302.25 57.09 84.59 148 302.25 55.41 82.34 149 302.25 53.73 80.08 150 302.25 52.05 77.80 151 302.25 50.37 75.51 152 302.25 48.70 73.21 153 302.25 47.02 70.89 154 302.25 45.34 68.56 155 302.25 43.66 66.21 156 302.25 41.98 63.86 157 302.25 40.30 61.48 158 302.25 38.62 59.09 159 302.25 36.94 56.69 160 302.25 35.26 54.27 161 302.25 33.58 51.84 162 302.25 31.90 49.40 163 302.25 30.22 46.93 164 302.25 28.55 44.46 165 302.25 26.87 41.97 166 302.25 25.19 39.46 167 302.25 23.51 36.94 168 302.25 21.83 34.40 169 302.25 20.15 31.85 170 302.25 18.47 29.28

171 302.25 16.79 26.70 172 302.25 15.11 24.10 173 302.25 13.43 21.49 174 302.25 11.75 18.86 175 302.25 10.07 16.21 176 302.25 8.40 13.55 177 302.25 6.72 10.87 178 302.25 5.04 8.18 179 302.25 3.36 5.47 180 302.25 1.68 2.74

54,404.27 27,353.26 32,177.46

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49 51 53 55 57 59 61 63 65 67 69 71 73 75 77 79 81 83 85 87 89 91 93 95 97 99 101 103 105 107 109 111 113 115 117 119 121 123 125 127 129 131 133 135 137 139 141 143 145 147 149 151 153 155 157 159 161 163 165 167 169 171 173 175 177 179 1810

Periodo Intereses Capital Intereses Capital InterésCapital

1 8 15 22 29 36 43 50 57 64 71 78 85 92 99 106 113 120 127 134 141 148 155 162 169 176 -

100.00

150.00

200.00

250.00

300.00

350.00

FLATALEMÁNFRANCÉS

1 8 15 22 29 36 43 50 57 64 71 78 85 92 99 106 113 120 127 134 141 148 155 162 169 176 -

100.00

150.00

200.00

250.00

300.00

350.00

FLATALEMÁNFRANCÉS

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49 51 53 55 57 59 61 63 65 67 69 71 73 75 77 79 81 83 85 87 89 91 93 95 97 99 101 103 105 107 109 111 113 115 117 119 121 123 125 127 129 131 133 135 137 139 141 143 145 147 149 151 153 155 157 159 161 163 165 167 169 171 173 175 177 179 1810

1 8 15 22 29 36 43 50 57 64 71 78 85 92 99 106 113 120 127 134 141 148 155 162 169 176 -

100.00

150.00

200.00

250.00

300.00

350.00

FLATALEMÁNFRANCÉS

1 8 15 22 29 36 43 50 57 64 71 78 85 92 99 106 113 120 127 134 141 148 155 162 169 176 -

100.00

150.00

200.00

250.00

300.00

350.00

FLATALEMÁNFRANCÉS

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49 51 53 55 57 59 61 63 65 67 69 71 73 75 77 79 81 83 85 87 89 91 93 95 97 99 101 103 105 107 109 111 113 115 117 119 121 123 125 127 129 131 133 135 137 139 141 143 145 147 149 151 153 155 157 159 161 163 165 167 169 171 173 175 177 179 1810

SISTEMAS DE PAGO

Periodo (s) Cuota Intereses Capital01 S/.1,059.28 S/.106.10 S/.953.182 S/.1,059.28 S/.95.99 S/.963.293 S/.1,059.28 S/.85.77 S/.973.514 S/.1,059.28 S/.75.44 S/.983.845 S/.1,059.28 S/.65.00 S/.994.286 S/.1,059.28 S/.54.45 S/.1,004.837 S/.1,059.28 S/.43.79 S/.1,015.498 S/.1,059.28 S/.33.01 S/.1,026.269 S/.1,059.28 S/.22.13 S/.1,037.15

10 S/.1,059.28 S/.11.12 S/.1,048.16 10,592.79 592.79 10,000.00

140.436005 SUMA LOS INTERESES ENTRE CIERTOS PERIODOS2020.31972 LOS PAGOS ENTRE CIERTOS PERIODOS DE CAPITALES

A=C[(1+i)^n*i/81+i)^n-1]CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 500000 30% ANUALTEM 5.00%n 10Cuota 64752.287483 64752.287483

Periodo (s) Cuota Interés Capital Deuda Extinguida Saldo Insoluto0 500,000.00 1 64,752.29 25,000.00 39,752.29 39,752.29 460,247.71 2 64,752.29 23,012.39 41,739.90 81,492.19 418,507.81 3 64,752.29 20,925.39 43,826.90 125,319.09 374,680.91 4 64,752.29 18,734.05 46,018.24 171,337.33 328,662.67 5 64,752.29 16,433.13 48,319.15 219,656.48 280,343.52 6 64,752.29 14,017.18 50,735.11 270,391.59 229,608.41 7 64,752.29 11,480.42 53,271.87 323,663.46 176,336.54 8 64,752.29 8,816.83 55,935.46 379,598.92 120,401.08 9 64,752.29 6,020.05 58,732.23 438,331.15 61,668.85

10 64,752.29 3,083.44 61,668.85 500,000.00 -

647,522.87 147,522.87 500,000.00

0.02210445

25,000.00

CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 500000TEM 5.00%n 10Cuota 3.88205932449E-09

Periodo (s) Cuota Intereses Capital Deuda Extinguida01 75,000.00 25,000.00 50,000.00 50,000.00 2 75,000.00 25,000.00 50,000.00 100,000.00 3 75,000.00 25,000.00 50,000.00 150,000.00 4 75,000.00 25,000.00 50,000.00 200,000.00 5 75,000.00 25,000.00 50,000.00 250,000.00 6 75,000.00 25,000.00 50,000.00 300,000.00 7 75,000.00 25,000.00 50,000.00 350,000.00 8 75,000.00 25,000.00 50,000.00 400,000.00 9 75,000.00 25,000.00 50,000.00 450,000.00

10 75,000.00 25,000.00 50,000.00 500,000.00 750,000.00 250,000.00 500,000.00

CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 50000TEM 0.00604491902429n 180

Periodo (s) Cuota Intereses Capital Deuda Extinguida01 580.02 302.25 277.78 277.78 2 580.02 302.25 277.78 555.56 3 580.02 302.25 277.78 833.33 4 580.02 302.25 277.78 1,111.11 5 580.02 302.25 277.78 1,388.89 6 580.02 302.25 277.78 1,666.67 7 580.02 302.25 277.78 1,944.44 8 580.02 302.25 277.78 2,222.22 9 580.02 302.25 277.78 2,500.00

10 580.02 302.25 277.78 2,777.78 11 580.02 302.25 277.78 3,055.56 12 580.02 302.25 277.78 3,333.33 13 580.02 302.25 277.78 3,611.11 14 580.02 302.25 277.78 3,888.89 15 580.02 302.25 277.78 4,166.67 16 580.02 302.25 277.78 4,444.44 17 580.02 302.25 277.78 4,722.22

18 580.02 302.25 277.78 5,000.00 19 580.02 302.25 277.78 5,277.78 20 580.02 302.25 277.78 5,555.56 21 580.02 302.25 277.78 5,833.33 22 580.02 302.25 277.78 6,111.11 23 580.02 302.25 277.78 6,388.89 24 580.02 302.25 277.78 6,666.67 25 580.02 302.25 277.78 6,944.44 26 580.02 302.25 277.78 7,222.22 27 580.02 302.25 277.78 7,500.00 28 580.02 302.25 277.78 7,777.78 29 580.02 302.25 277.78 8,055.56 30 580.02 302.25 277.78 8,333.33 31 580.02 302.25 277.78 8,611.11 32 580.02 302.25 277.78 8,888.89 33 580.02 302.25 277.78 9,166.67 34 580.02 302.25 277.78 9,444.44 35 580.02 302.25 277.78 9,722.22 36 580.02 302.25 277.78 10,000.00 37 580.02 302.25 277.78 10,277.78 38 580.02 302.25 277.78 10,555.56 39 580.02 302.25 277.78 10,833.33 40 580.02 302.25 277.78 11,111.11 41 580.02 302.25 277.78 11,388.89 42 580.02 302.25 277.78 11,666.67 43 580.02 302.25 277.78 11,944.44 44 580.02 302.25 277.78 12,222.22 45 580.02 302.25 277.78 12,500.00 46 580.02 302.25 277.78 12,777.78 47 580.02 302.25 277.78 13,055.56 48 580.02 302.25 277.78 13,333.33 49 580.02 302.25 277.78 13,611.11 50 580.02 302.25 277.78 13,888.89 51 580.02 302.25 277.78 14,166.67 52 580.02 302.25 277.78 14,444.44 53 580.02 302.25 277.78 14,722.22 54 580.02 302.25 277.78 15,000.00 55 580.02 302.25 277.78 15,277.78 56 580.02 302.25 277.78 15,555.56 57 580.02 302.25 277.78 15,833.33 58 580.02 302.25 277.78 16,111.11 59 580.02 302.25 277.78 16,388.89 60 580.02 302.25 277.78 16,666.67 61 580.02 302.25 277.78 16,944.44 62 580.02 302.25 277.78 17,222.22 63 580.02 302.25 277.78 17,500.00 64 580.02 302.25 277.78 17,777.78 65 580.02 302.25 277.78 18,055.56

66 580.02 302.25 277.78 18,333.33 67 580.02 302.25 277.78 18,611.11 68 580.02 302.25 277.78 18,888.89 69 580.02 302.25 277.78 19,166.67 70 580.02 302.25 277.78 19,444.44 71 580.02 302.25 277.78 19,722.22 72 580.02 302.25 277.78 20,000.00 73 580.02 302.25 277.78 20,277.78 74 580.02 302.25 277.78 20,555.56 75 580.02 302.25 277.78 20,833.33 76 580.02 302.25 277.78 21,111.11 77 580.02 302.25 277.78 21,388.89 78 580.02 302.25 277.78 21,666.67 79 580.02 302.25 277.78 21,944.44 80 580.02 302.25 277.78 22,222.22 81 580.02 302.25 277.78 22,500.00 82 580.02 302.25 277.78 22,777.78 83 580.02 302.25 277.78 23,055.56 84 580.02 302.25 277.78 23,333.33 85 580.02 302.25 277.78 23,611.11 86 580.02 302.25 277.78 23,888.89 87 580.02 302.25 277.78 24,166.67 88 580.02 302.25 277.78 24,444.44 89 580.02 302.25 277.78 24,722.22 90 580.02 302.25 277.78 25,000.00 91 580.02 302.25 277.78 25,277.78 92 580.02 302.25 277.78 25,555.56 93 580.02 302.25 277.78 25,833.33 94 580.02 302.25 277.78 26,111.11 95 580.02 302.25 277.78 26,388.89 96 580.02 302.25 277.78 26,666.67 97 580.02 302.25 277.78 26,944.44 98 580.02 302.25 277.78 27,222.22 99 580.02 302.25 277.78 27,500.00

100 580.02 302.25 277.78 27,777.78 101 580.02 302.25 277.78 28,055.56 102 580.02 302.25 277.78 28,333.33 103 580.02 302.25 277.78 28,611.11 104 580.02 302.25 277.78 28,888.89 105 580.02 302.25 277.78 29,166.67 106 580.02 302.25 277.78 29,444.44 107 580.02 302.25 277.78 29,722.22 108 580.02 302.25 277.78 30,000.00 109 580.02 302.25 277.78 30,277.78 110 580.02 302.25 277.78 30,555.56 111 580.02 302.25 277.78 30,833.33 112 580.02 302.25 277.78 31,111.11 113 580.02 302.25 277.78 31,388.89

114 580.02 302.25 277.78 31,666.67 115 580.02 302.25 277.78 31,944.44 116 580.02 302.25 277.78 32,222.22 117 580.02 302.25 277.78 32,500.00 118 580.02 302.25 277.78 32,777.78 119 580.02 302.25 277.78 33,055.56 120 580.02 302.25 277.78 33,333.33 121 580.02 302.25 277.78 33,611.11 122 580.02 302.25 277.78 33,888.89 123 580.02 302.25 277.78 34,166.67 124 580.02 302.25 277.78 34,444.44 125 580.02 302.25 277.78 34,722.22 126 580.02 302.25 277.78 35,000.00 127 580.02 302.25 277.78 35,277.78 128 580.02 302.25 277.78 35,555.56 129 580.02 302.25 277.78 35,833.33 130 580.02 302.25 277.78 36,111.11 131 580.02 302.25 277.78 36,388.89 132 580.02 302.25 277.78 36,666.67 133 580.02 302.25 277.78 36,944.44 134 580.02 302.25 277.78 37,222.22 135 580.02 302.25 277.78 37,500.00 136 580.02 302.25 277.78 37,777.78 137 580.02 302.25 277.78 38,055.56 138 580.02 302.25 277.78 38,333.33 139 580.02 302.25 277.78 38,611.11 140 580.02 302.25 277.78 38,888.89 141 580.02 302.25 277.78 39,166.67 142 580.02 302.25 277.78 39,444.44 143 580.02 302.25 277.78 39,722.22 144 580.02 302.25 277.78 40,000.00 145 580.02 302.25 277.78 40,277.78 146 580.02 302.25 277.78 40,555.56 147 580.02 302.25 277.78 40,833.33 148 580.02 302.25 277.78 41,111.11 149 580.02 302.25 277.78 41,388.89 150 580.02 302.25 277.78 41,666.67 151 580.02 302.25 277.78 41,944.44 152 580.02 302.25 277.78 42,222.22 153 580.02 302.25 277.78 42,500.00 154 580.02 302.25 277.78 42,777.78 155 580.02 302.25 277.78 43,055.56 156 580.02 302.25 277.78 43,333.33 157 580.02 302.25 277.78 43,611.11 158 580.02 302.25 277.78 43,888.89 159 580.02 302.25 277.78 44,166.67 160 580.02 302.25 277.78 44,444.44 161 580.02 302.25 277.78 44,722.22

162 580.02 302.25 277.78 45,000.00 163 580.02 302.25 277.78 45,277.78 164 580.02 302.25 277.78 45,555.56 165 580.02 302.25 277.78 45,833.33 166 580.02 302.25 277.78 46,111.11 167 580.02 302.25 277.78 46,388.89 168 580.02 302.25 277.78 46,666.67 169 580.02 302.25 277.78 46,944.44 170 580.02 302.25 277.78 47,222.22 171 580.02 302.25 277.78 47,500.00 172 580.02 302.25 277.78 47,777.78 173 580.02 302.25 277.78 48,055.56 174 580.02 302.25 277.78 48,333.33 175 580.02 302.25 277.78 48,611.11 176 580.02 302.25 277.78 48,888.89 177 580.02 302.25 277.78 49,166.67 178 580.02 302.25 277.78 49,444.44 179 580.02 302.25 277.78 49,722.22 180 580.02 302.25 277.78 50,000.00

104,404.27 54,404.27 50,000.00

SISTEMAS DE PAGO

Saldo Insoluto Periodo (s) Cuota Intereses 500,000.00 0 450,000.00 1 S/.1,059.28 25,000.00 400,000.00 2 S/.1,059.28 25,000.00 350,000.00 3 S/.1,059.28 25,000.00 300,000.00 4 S/.1,059.28 25,000.00 250,000.00 5 S/.1,059.28 25,000.00 200,000.00 6 S/.1,059.28 25,000.00 150,000.00 7 S/.1,059.28 25,000.00 100,000.00 8 S/.1,059.28 25,000.00 50,000.00 9 S/.1,059.28 25,000.00 - 10 S/.1,059.28 25,000.00

10,592.79 250,000.00

Saldo Insoluto 50,000.00 49,722.22 49,444.44 49,166.67 48,888.89 48,611.11 48,333.33 48,055.56 47,777.78 47,500.00 47,222.22 46,944.44 46,666.67 46,388.89 46,111.11 45,833.33 45,555.56 45,277.78

45,000.00 44,722.22 44,444.44 44,166.67 43,888.89 43,611.11 43,333.33 43,055.56 42,777.78 42,500.00 42,222.22 41,944.44 41,666.67 41,388.89 41,111.11 40,833.33 40,555.56 40,277.78 40,000.00 39,722.22 39,444.44 39,166.67 38,888.89 38,611.11 38,333.33 38,055.56 37,777.78 37,500.00 37,222.22 36,944.44 36,666.67 36,388.89 36,111.11 35,833.33 35,555.56 35,277.78 35,000.00 34,722.22 34,444.44 34,166.67 33,888.89 33,611.11 33,333.33 33,055.56 32,777.78 32,500.00 32,222.22 31,944.44

31,666.67 31,388.89 31,111.11 30,833.33 30,555.56 30,277.78 30,000.00 29,722.22 29,444.44 29,166.67 28,888.89 28,611.11 28,333.33 28,055.56 27,777.78 27,500.00 27,222.22 26,944.44 26,666.67 26,388.89 26,111.11 25,833.33 25,555.56 25,277.78 25,000.00 24,722.22 24,444.44 24,166.67 23,888.89 23,611.11 23,333.33 23,055.56 22,777.78 22,500.00 22,222.22 21,944.44 21,666.67 21,388.89 21,111.11 20,833.33 20,555.56 20,277.78 20,000.00 19,722.22 19,444.44 19,166.67 18,888.89 18,611.11

18,333.33 18,055.56 17,777.78 17,500.00 17,222.22 16,944.44 16,666.67 16,388.89 16,111.11 15,833.33 15,555.56 15,277.78 15,000.00 14,722.22 14,444.44 14,166.67 13,888.89 13,611.11 13,333.33 13,055.56 12,777.78 12,500.00 12,222.22 11,944.44 11,666.67 11,388.89 11,111.11 10,833.33 10,555.56 10,277.78 10,000.00 9,722.22 9,444.44 9,166.67 8,888.89 8,611.11 8,333.33 8,055.56 7,777.78 7,500.00 7,222.22 6,944.44 6,666.67 6,388.89 6,111.11 5,833.33 5,555.56 5,277.78

5,000.00 4,722.22 4,444.44 4,166.67 3,888.89 3,611.11 3,333.33 3,055.56 2,777.78 2,500.00 2,222.22 1,944.44 1,666.67 1,388.89 1,111.11 833.33 555.56 277.78 -

Capital Deuda Extinguida Saldo Insoluto -

50,000.00 50,000.00 450,000.00 50,000.00 100,000.00 400,000.00 50,000.00 150,000.00 350,000.00 50,000.00 200,000.00 300,000.00 50,000.00 250,000.00 250,000.00 50,000.00 300,000.00 200,000.00 50,000.00 350,000.00 150,000.00 50,000.00 400,000.00 100,000.00 50,000.00 450,000.00 50,000.00 50,000.00 500,000.00 - 500,000.00

CUADRO DE AMORTIZACIÓN DE TIPO ALEMÁN (ITALIANO)Préstamo 75500TEM 3.50%n 4 24Cuota 0.02687988683595

-----> <----Periodo (s) Cuota Interés Capital Deuda Extinguida Saldo Insoluto

0 75,500.00 1 21,517.50 2,642.50 18,875.00 18,875.00 56,625.00 2 20,856.88 1,981.88 18,875.00 37,750.00 37,750.00 3 20,196.25 1,321.25 18,875.00 56,625.00 18,875.00 4 19,535.63 660.63 18,875.00 75,500.00 -

6,606.25 6,606.25

CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 50000TEM 0.60%n 180

Periodo (s) Cuota Intereses Capital Deuda Extinguida Saldo Insoluto0 50,000.00 1 580.02 302.25 277.78 277.78 49,722.22 2 578.34 300.57 277.78 555.56 49,444.44 3 576.67 298.89 277.78 833.33 49,166.67 4 574.99 297.21 277.78 1,111.11 48,888.89 5 573.31 295.53 277.78 1,388.89 48,611.11 6 571.63 293.85 277.78 1,666.67 48,333.33 7 569.95 292.17 277.78 1,944.44 48,055.56 8 568.27 290.49 277.78 2,222.22 47,777.78 9 566.59 288.81 277.78 2,500.00 47,500.00

10 564.91 287.13 277.78 2,777.78 47,222.22 11 563.23 285.45 277.78 3,055.56 46,944.44 12 561.55 283.78 277.78 3,333.33 46,666.67 13 559.87 282.10 277.78 3,611.11 46,388.89 14 558.19 280.42 277.78 3,888.89 46,111.11 15 556.52 278.74 277.78 4,166.67 45,833.33 16 554.84 277.06 277.78 4,444.44 45,555.56 17 553.16 275.38 277.78 4,722.22 45,277.78 18 551.48 273.70 277.78 5,000.00 45,000.00 19 549.80 272.02 277.78 5,277.78 44,722.22 20 548.12 270.34 277.78 5,555.56 44,444.44 21 546.44 268.66 277.78 5,833.33 44,166.67 22 544.76 266.98 277.78 6,111.11 43,888.89 23 543.08 265.30 277.78 6,388.89 43,611.11 24 541.40 263.63 277.78 6,666.67 43,333.33 25 539.72 261.95 277.78 6,944.44 43,055.56 26 538.05 260.27 277.78 7,222.22 42,777.78 27 536.37 258.59 277.78 7,500.00 42,500.00 28 534.69 256.91 277.78 7,777.78 42,222.22 29 533.01 255.23 277.78 8,055.56 41,944.44 30 531.33 253.55 277.78 8,333.33 41,666.67

31 529.65 251.87 277.78 8,611.11 41,388.89 32 527.97 250.19 277.78 8,888.89 41,111.11 33 526.29 248.51 277.78 9,166.67 40,833.33 34 524.61 246.83 277.78 9,444.44 40,555.56 35 522.93 245.16 277.78 9,722.22 40,277.78 36 521.25 243.48 277.78 10,000.00 40,000.00 37 519.57 241.80 277.78 10,277.78 39,722.22 38 517.90 240.12 277.78 10,555.56 39,444.44 39 516.22 238.44 277.78 10,833.33 39,166.67 40 514.54 236.76 277.78 11,111.11 38,888.89 41 512.86 235.08 277.78 11,388.89 38,611.11 42 511.18 233.40 277.78 11,666.67 38,333.33 43 509.50 231.72 277.78 11,944.44 38,055.56 44 507.82 230.04 277.78 12,222.22 37,777.78 45 506.14 228.36 277.78 12,500.00 37,500.00 46 504.46 226.68 277.78 12,777.78 37,222.22 47 502.78 225.01 277.78 13,055.56 36,944.44 48 501.10 223.33 277.78 13,333.33 36,666.67 49 499.42 221.65 277.78 13,611.11 36,388.89 50 497.75 219.97 277.78 13,888.89 36,111.11 51 496.07 218.29 277.78 14,166.67 35,833.33 52 494.39 216.61 277.78 14,444.44 35,555.56 53 492.71 214.93 277.78 14,722.22 35,277.78 54 491.03 213.25 277.78 15,000.00 35,000.00 55 489.35 211.57 277.78 15,277.78 34,722.22 56 487.67 209.89 277.78 15,555.56 34,444.44 57 485.99 208.21 277.78 15,833.33 34,166.67 58 484.31 206.53 277.78 16,111.11 33,888.89 59 482.63 204.86 277.78 16,388.89 33,611.11 60 480.95 203.18 277.78 16,666.67 33,333.33 61 479.28 201.50 277.78 16,944.44 33,055.56 62 477.60 199.82 277.78 17,222.22 32,777.78 63 475.92 198.14 277.78 17,500.00 32,500.00 64 474.24 196.46 277.78 17,777.78 32,222.22 65 472.56 194.78 277.78 18,055.56 31,944.44 66 470.88 193.10 277.78 18,333.33 31,666.67 67 469.20 191.42 277.78 18,611.11 31,388.89 68 467.52 189.74 277.78 18,888.89 31,111.11 69 465.84 188.06 277.78 19,166.67 30,833.33 70 464.16 186.39 277.78 19,444.44 30,555.56 71 462.48 184.71 277.78 19,722.22 30,277.78 72 460.80 183.03 277.78 20,000.00 30,000.00 73 459.13 181.35 277.78 20,277.78 29,722.22 74 457.45 179.67 277.78 20,555.56 29,444.44 75 455.77 177.99 277.78 20,833.33 29,166.67 76 454.09 176.31 277.78 21,111.11 28,888.89 77 452.41 174.63 277.78 21,388.89 28,611.11 78 450.73 172.95 277.78 21,666.67 28,333.33

79 449.05 171.27 277.78 21,944.44 28,055.56 80 447.37 169.59 277.78 22,222.22 27,777.78 81 445.69 167.91 277.78 22,500.00 27,500.00 82 444.01 166.24 277.78 22,777.78 27,222.22 83 442.33 164.56 277.78 23,055.56 26,944.44 84 440.65 162.88 277.78 23,333.33 26,666.67 85 438.98 161.20 277.78 23,611.11 26,388.89 86 437.30 159.52 277.78 23,888.89 26,111.11 87 435.62 157.84 277.78 24,166.67 25,833.33 88 433.94 156.16 277.78 24,444.44 25,555.56 89 432.26 154.48 277.78 24,722.22 25,277.78 90 430.58 152.80 277.78 25,000.00 25,000.00 91 428.90 151.12 277.78 25,277.78 24,722.22 92 427.22 149.44 277.78 25,555.56 24,444.44 93 425.54 147.76 277.78 25,833.33 24,166.67 94 423.86 146.09 277.78 26,111.11 23,888.89 95 422.18 144.41 277.78 26,388.89 23,611.11 96 420.51 142.73 277.78 26,666.67 23,333.33 97 418.83 141.05 277.78 26,944.44 23,055.56 98 417.15 139.37 277.78 27,222.22 22,777.78 99 415.47 137.69 277.78 27,500.00 22,500.00

100 413.79 136.01 277.78 27,777.78 22,222.22 101 412.11 134.33 277.78 28,055.56 21,944.44 102 410.43 132.65 277.78 28,333.33 21,666.67 103 408.75 130.97 277.78 28,611.11 21,388.89 104 407.07 129.29 277.78 28,888.89 21,111.11 105 405.39 127.61 277.78 29,166.67 20,833.33 106 403.71 125.94 277.78 29,444.44 20,555.56 107 402.03 124.26 277.78 29,722.22 20,277.78 108 400.36 122.58 277.78 30,000.00 20,000.00 109 398.68 120.90 277.78 30,277.78 19,722.22 110 397.00 119.22 277.78 30,555.56 19,444.44 111 395.32 117.54 277.78 30,833.33 19,166.67 112 393.64 115.86 277.78 31,111.11 18,888.89 113 391.96 114.18 277.78 31,388.89 18,611.11 114 390.28 112.50 277.78 31,666.67 18,333.33 115 388.60 110.82 277.78 31,944.44 18,055.56 116 386.92 109.14 277.78 32,222.22 17,777.78 117 385.24 107.47 277.78 32,500.00 17,500.00 118 383.56 105.79 277.78 32,777.78 17,222.22 119 381.88 104.11 277.78 33,055.56 16,944.44 120 380.21 102.43 277.78 33,333.33 16,666.67 121 378.53 100.75 277.78 33,611.11 16,388.89 122 376.85 99.07 277.78 33,888.89 16,111.11 123 375.17 97.39 277.78 34,166.67 15,833.33 124 373.49 95.71 277.78 34,444.44 15,555.56 125 371.81 94.03 277.78 34,722.22 15,277.78 126 370.13 92.35 277.78 35,000.00 15,000.00

127 368.45 90.67 277.78 35,277.78 14,722.22 128 366.77 88.99 277.78 35,555.56 14,444.44 129 365.09 87.32 277.78 35,833.33 14,166.67 130 363.41 85.64 277.78 36,111.11 13,888.89 131 361.73 83.96 277.78 36,388.89 13,611.11 132 360.06 82.28 277.78 36,666.67 13,333.33 133 358.38 80.60 277.78 36,944.44 13,055.56 134 356.70 78.92 277.78 37,222.22 12,777.78 135 355.02 77.24 277.78 37,500.00 12,500.00 136 353.34 75.56 277.78 37,777.78 12,222.22 137 351.66 73.88 277.78 38,055.56 11,944.44 138 349.98 72.20 277.78 38,333.33 11,666.67 139 348.30 70.52 277.78 38,611.11 11,388.89 140 346.62 68.84 277.78 38,888.89 11,111.11 141 344.94 67.17 277.78 39,166.67 10,833.33 142 343.26 65.49 277.78 39,444.44 10,555.56 143 341.59 63.81 277.78 39,722.22 10,277.78 144 339.91 62.13 277.78 40,000.00 10,000.00 145 338.23 60.45 277.78 40,277.78 9,722.22 146 336.55 58.77 277.78 40,555.56 9,444.44 147 334.87 57.09 277.78 40,833.33 9,166.67 148 333.19 55.41 277.78 41,111.11 8,888.89 149 331.51 53.73 277.78 41,388.89 8,611.11 150 329.83 52.05 277.78 41,666.67 8,333.33 151 328.15 50.37 277.78 41,944.44 8,055.56 152 326.47 48.70 277.78 42,222.22 7,777.78 153 324.79 47.02 277.78 42,500.00 7,500.00 154 323.11 45.34 277.78 42,777.78 7,222.22 155 321.44 43.66 277.78 43,055.56 6,944.44 156 319.76 41.98 277.78 43,333.33 6,666.67 157 318.08 40.30 277.78 43,611.11 6,388.89 158 316.40 38.62 277.78 43,888.89 6,111.11 159 314.72 36.94 277.78 44,166.67 5,833.33 160 313.04 35.26 277.78 44,444.44 5,555.56 161 311.36 33.58 277.78 44,722.22 5,277.78 162 309.68 31.90 277.78 45,000.00 5,000.00 163 308.00 30.22 277.78 45,277.78 4,722.22 164 306.32 28.55 277.78 45,555.56 4,444.44 165 304.64 26.87 277.78 45,833.33 4,166.67 166 302.96 25.19 277.78 46,111.11 3,888.89 167 301.29 23.51 277.78 46,388.89 3,611.11 168 299.61 21.83 277.78 46,666.67 3,333.33 169 297.93 20.15 277.78 46,944.44 3,055.56 170 296.25 18.47 277.78 47,222.22 2,777.78 171 294.57 16.79 277.78 47,500.00 2,500.00 172 292.89 15.11 277.78 47,777.78 2,222.22 173 291.21 13.43 277.78 48,055.56 1,944.44 174 289.53 11.75 277.78 48,333.33 1,666.67

175 287.85 10.07 277.78 48,611.11 1,388.89 176 286.17 8.40 277.78 48,888.89 1,111.11 177 284.49 6.72 277.78 49,166.67 833.33 178 282.82 5.04 277.78 49,444.44 555.56 179 281.14 3.36 277.78 49,722.22 277.78 180 279.46 1.68 277.78 50,000.00 -

77,353.26 27,353.26 50,000.00

Periodo (s) Cuota Interés Capital Deuda Extinguida Saldo Insoluto0 24,000.00 1 3,985.83 840.00 3,145.83 3,145.83 72,354.17 2 5,678.23 2,532.40 3,145.83 6,291.67 69,208.33 3 5,568.13 2,422.29 3,145.83 9,437.50 66,062.50 4 5,458.02 2,312.19 3,145.83 12,583.33 62,916.67 5 5,347.92 2,202.08 3,145.83 15,729.17 59,770.83 6 5,237.81 2,091.98 3,145.83 18,875.00 56,625.00 7 5,127.71 1,981.88 3,145.83 22,020.83 53,479.17 8 5,017.60 1,871.77 3,145.83 25,166.67 50,333.33 9 4,907.50 1,761.67 3,145.83 28,312.50 47,187.50

10 4,797.40 1,651.56 3,145.83 31,458.33 44,041.67 11 4,687.29 1,541.46 3,145.83 34,604.17 40,895.83 12 4,577.19 1,431.35 3,145.83 37,750.00 37,750.00 13 4,467.08 1,321.25 3,145.83 40,895.83 34,604.17 14 4,356.98 1,211.15 3,145.83 44,041.67 31,458.33 15 4,246.88 1,101.04 3,145.83 47,187.50 28,312.50 16 4,136.77 990.94 3,145.83 50,333.33 25,166.67 17 4,026.67 880.83 3,145.83 53,479.17 22,020.83 18 3,916.56 770.73 3,145.83 56,625.00 18,875.00 19 3,806.46 660.62 3,145.83 59,770.83 15,729.17 20 3,696.35 550.52 3,145.83 62,916.67 12,583.33 21 3,586.25 440.42 3,145.83 66,062.50 9,437.50 22 3,476.15 330.31 3,145.83 69,208.33 6,291.67 23 3,366.04 220.21 3,145.83 72,354.17 3,145.83 24 3,255.94 110.10 3,145.83 75,500.00 -

30,388.75

82,106.25

82,106.25 6,606.25

Periodo (s) Cuota Interés Capital Deuda Extinguida Saldo Insoluto0 15,000.00 1 4,275.00 525.00 3,750.00 3,750.00 11,250.00 2 4,143.75 393.75 3,750.00 7,500.00 7,500.00 3 4,012.50 262.50 3,750.00 11,250.00 3,750.00 4 3,881.25 131.25 3,750.00 15,000.00 - 5 3,750.00 - 3,750.00 18,750.00 -3,750.00 6 3,618.75 -131.25 3,750.00 22,500.00 -7,500.00 7 3,487.50 -262.50 3,750.00 26,250.00 -11,250.00 8 3,356.25 -393.75 3,750.00 30,000.00 -15,000.00 9 3,225.00 -525.00 3,750.00 33,750.00 -18,750.00

10 3,093.75 -656.25 3,750.00 37,500.00 -22,500.00 11 2,962.50 -787.50 3,750.00 41,250.00 -26,250.00 12 2,831.25 -918.75 3,750.00 45,000.00 -30,000.00 13 2,700.00 -1,050.00 3,750.00 48,750.00 -33,750.00 14 2,568.75 -1,181.25 3,750.00 52,500.00 -37,500.00 15 2,437.50 -1,312.50 3,750.00 56,250.00 -41,250.00 16 2,306.25 -1,443.75 3,750.00 60,000.00 -45,000.00 17 2,175.00 -1,575.00 3,750.00 63,750.00 -48,750.00 18 2,043.75 -1,706.25 3,750.00 67,500.00 -52,500.00 19 1,912.50 -1,837.50 3,750.00 71,250.00 -56,250.00 20 1,781.25 -1,968.75 3,750.00 75,000.00 -60,000.00 21 1,650.00 -2,100.00 3,750.00 78,750.00 -63,750.00 22 1,518.75 -2,231.25 3,750.00 82,500.00 -67,500.00 23 1,387.50 -2,362.50 3,750.00 86,250.00 -71,250.00 24 1,256.25 -2,493.75 3,750.00 90,000.00 -75,000.00 25 1,125.00 -2,625.00 3,750.00 93,750.00 -78,750.00 26 993.75 -2,756.25 3,750.00 97,500.00 -82,500.00 27 862.50 -2,887.50 3,750.00 101,250.00 -86,250.00 28 731.25 -3,018.75 3,750.00 105,000.00 -90,000.00 29 600.00 -3,150.00 3,750.00 108,750.00 -93,750.00 30 468.75 -3,281.25 3,750.00 112,500.00 -97,500.00

-41,343.75

A=C[(1+i)^n*i/81+i)^n-1]CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 75500TEM 3.50%n 4Cuota 20554.961032 20554.961032

Periodo (s) Cuota Interés Capital Deuda Extinguida Saldo Insoluto0 75,500.00 1 20,554.96 2,642.50 17,912.46 17,912.46 57,587.54 2 20,554.96 2,015.56 18,539.40 36,451.86 39,048.14 3 20,554.96 1,366.68 19,188.28 55,640.13 19,859.87 4 20,554.96 695.10 19,859.87 75,500.00 -

82,219.84 6,719.84 75,500.00

CUADRO DE AMORTIZACIÓN DE TIPO FLAT (AMERICANO)Préstamo 50000TEM 0.60%n 180Cuota 456.54144643 456.54144643

Periodo (s) Cuota Interés Capital Deuda Extinguida Saldo Insoluto0 50,000.00 1 456.54 302.25 154.30 154.30 49,845.70 2 456.54 301.31 155.23 309.52 49,690.48 3 456.54 300.37 156.17 465.69 49,534.31 4 456.54 299.43 157.11 622.80 49,377.20 5 456.54 298.48 158.06 780.86 49,219.14 6 456.54 297.53 159.02 939.88 49,060.12 7 456.54 296.56 159.98 1,099.85 48,900.15 8 456.54 295.60 160.94 1,260.80 48,739.20 9 456.54 294.62 161.92 1,422.71 48,577.29

10 456.54 293.65 162.90 1,585.61 48,414.39 11 456.54 292.66 163.88 1,749.49 48,250.51 12 456.54 291.67 164.87 1,914.36 48,085.64 13 456.54 290.67 165.87 2,080.23 47,919.77 14 456.54 289.67 166.87 2,247.10 47,752.90 15 456.54 288.66 167.88 2,414.98 47,585.02 16 456.54 287.65 168.89 2,583.87 47,416.13

17 456.54 286.63 169.91 2,753.79 47,246.21 18 456.54 285.60 170.94 2,924.73 47,075.27 19 456.54 284.57 171.98 3,096.70 46,903.30 20 456.54 283.53 173.01 3,269.72 46,730.28 21 456.54 282.48 174.06 3,443.78 46,556.22 22 456.54 281.43 175.11 3,618.89 46,381.11 23 456.54 280.37 176.17 3,795.06 46,204.94 24 456.54 279.31 177.24 3,972.30 46,027.70 25 456.54 278.23 178.31 4,150.61 45,849.39 26 456.54 277.16 179.39 4,329.99 45,670.01 27 456.54 276.07 180.47 4,510.46 45,489.54 28 456.54 274.98 181.56 4,692.02 45,307.98 29 456.54 273.88 182.66 4,874.68 45,125.32 30 456.54 272.78 183.76 5,058.45 44,941.55 31 456.54 271.67 184.87 5,243.32 44,756.68 32 456.54 270.55 185.99 5,429.31 44,570.69 33 456.54 269.43 187.12 5,616.43 44,383.57 34 456.54 268.30 188.25 5,804.67 44,195.33 35 456.54 267.16 189.38 5,994.06 44,005.94 36 456.54 266.01 190.53 6,184.59 43,815.41 37 456.54 264.86 191.68 6,376.27 43,623.73 38 456.54 263.70 192.84 6,569.11 43,430.89 39 456.54 262.54 194.01 6,763.11 43,236.89 40 456.54 261.36 195.18 6,958.29 43,041.71 41 456.54 260.18 196.36 7,154.65 42,845.35 42 456.54 259.00 197.54 7,352.19 42,647.81 43 456.54 257.80 198.74 7,550.93 42,449.07 44 456.54 256.60 199.94 7,750.87 42,249.13 45 456.54 255.39 201.15 7,952.02 42,047.98 46 456.54 254.18 202.36 8,154.38 41,845.62 47 456.54 252.95 203.59 8,357.97 41,642.03 48 456.54 251.72 204.82 8,562.79 41,437.21 49 456.54 250.48 206.06 8,768.85 41,231.15 50 456.54 249.24 207.30 8,976.15 41,023.85 51 456.54 247.99 208.56 9,184.71 40,815.29 52 456.54 246.73 209.82 9,394.52 40,605.48 53 456.54 245.46 211.08 9,605.61 40,394.39 54 456.54 244.18 212.36 9,817.97 40,182.03 55 456.54 242.90 213.64 10,031.61 39,968.39 56 456.54 241.61 214.94 10,246.55 39,753.45 57 456.54 240.31 216.24 10,462.78 39,537.22 58 456.54 239.00 217.54 10,680.32 39,319.68 59 456.54 237.68 218.86 10,899.18 39,100.82 60 456.54 236.36 220.18 11,119.36 38,880.64 61 456.54 235.03 221.51 11,340.87 38,659.13 62 456.54 233.69 222.85 11,563.72 38,436.28 63 456.54 232.34 224.20 11,787.92 38,212.08 64 456.54 230.99 225.55 12,013.47 37,986.53

65 456.54 229.63 226.92 12,240.39 37,759.61 66 456.54 228.25 228.29 12,468.68 37,531.32 67 456.54 226.87 229.67 12,698.34 37,301.66 68 456.54 225.49 231.06 12,929.40 37,070.60 69 456.54 224.09 232.45 13,161.85 36,838.15 70 456.54 222.68 233.86 13,395.71 36,604.29 71 456.54 221.27 235.27 13,630.98 36,369.02 72 456.54 219.85 236.69 13,867.68 36,132.32 73 456.54 218.42 238.12 14,105.80 35,894.20 74 456.54 216.98 239.56 14,345.36 35,654.64 75 456.54 215.53 241.01 14,586.38 35,413.62 76 456.54 214.07 242.47 14,828.85 35,171.15 77 456.54 212.61 243.93 15,072.78 34,927.22 78 456.54 211.13 245.41 15,318.19 34,681.81 79 456.54 209.65 246.89 15,565.08 34,434.92 80 456.54 208.16 248.39 15,813.47 34,186.53 81 456.54 206.65 249.89 16,063.35 33,936.65 82 456.54 205.14 251.40 16,314.75 33,685.25 83 456.54 203.62 252.92 16,567.67 33,432.33 84 456.54 202.10 254.45 16,822.11 33,177.89 85 456.54 200.56 255.98 17,078.10 32,921.90 86 456.54 199.01 257.53 17,335.63 32,664.37 87 456.54 197.45 259.09 17,594.72 32,405.28 88 456.54 195.89 260.65 17,855.37 32,144.63 89 456.54 194.31 262.23 18,117.60 31,882.40 90 456.54 192.73 263.81 18,381.42 31,618.58 91 456.54 191.13 265.41 18,646.82 31,353.18 92 456.54 189.53 267.01 18,913.84 31,086.16 93 456.54 187.91 268.63 19,182.47 30,817.53 94 456.54 186.29 270.25 19,452.72 30,547.28 95 456.54 184.66 271.89 19,724.60 30,275.40 96 456.54 183.01 273.53 19,998.13 30,001.87 97 456.54 181.36 275.18 20,273.32 29,726.68 98 456.54 179.70 276.85 20,550.16 29,449.84 99 456.54 178.02 278.52 20,828.68 29,171.32

100 456.54 176.34 280.20 21,108.89 28,891.11 101 456.54 174.64 281.90 21,390.78 28,609.22 102 456.54 172.94 283.60 21,674.38 28,325.62 103 456.54 171.23 285.32 21,959.70 28,040.30 104 456.54 169.50 287.04 22,246.74 27,753.26 105 456.54 167.77 288.78 22,535.51 27,464.49 106 456.54 166.02 290.52 22,826.03 27,173.97 107 456.54 164.26 292.28 23,118.31 26,881.69 108 456.54 162.50 294.04 23,412.36 26,587.64 109 456.54 160.72 295.82 23,708.18 26,291.82 110 456.54 158.93 297.61 24,005.79 25,994.21 111 456.54 157.13 299.41 24,305.19 25,694.81 112 456.54 155.32 301.22 24,606.41 25,393.59

113 456.54 153.50 303.04 24,909.45 25,090.55 114 456.54 151.67 304.87 25,214.32 24,785.68 115 456.54 149.83 306.71 25,521.04 24,478.96 116 456.54 147.97 308.57 25,829.61 24,170.39 117 456.54 146.11 310.43 26,140.04 23,859.96 118 456.54 144.23 312.31 26,452.35 23,547.65 119 456.54 142.34 314.20 26,766.55 23,233.45 120 456.54 140.44 316.10 27,082.64 22,917.36 121 456.54 138.53 318.01 27,400.65 22,599.35 122 456.54 136.61 319.93 27,720.58 22,279.42 123 456.54 134.68 321.86 28,042.45 21,957.55 124 456.54 132.73 323.81 28,366.26 21,633.74 125 456.54 130.77 325.77 28,692.02 21,307.98 126 456.54 128.80 327.74 29,019.76 20,980.24 127 456.54 126.82 329.72 29,349.48 20,650.52 128 456.54 124.83 331.71 29,681.19 20,318.81 129 456.54 122.83 333.72 30,014.90 19,985.10 130 456.54 120.81 335.73 30,350.64 19,649.36 131 456.54 118.78 337.76 30,688.40 19,311.60 132 456.54 116.74 339.80 31,028.20 18,971.80 133 456.54 114.68 341.86 31,370.06 18,629.94 134 456.54 112.62 343.92 31,713.99 18,286.01 135 456.54 110.54 346.00 32,059.99 17,940.01 136 456.54 108.45 348.10 32,408.09 17,591.91 137 456.54 106.34 350.20 32,758.29 17,241.71 138 456.54 104.22 352.32 33,110.60 16,889.40 139 456.54 102.10 354.45 33,465.05 16,534.95 140 456.54 99.95 356.59 33,821.64 16,178.36 141 456.54 97.80 358.74 34,180.38 15,819.62 142 456.54 95.63 360.91 34,541.30 15,458.70 143 456.54 93.45 363.09 34,904.39 15,095.61 144 456.54 91.25 365.29 35,269.68 14,730.32 145 456.54 89.04 367.50 35,637.18 14,362.82 146 456.54 86.82 369.72 36,006.90 13,993.10 147 456.54 84.59 371.95 36,378.85 13,621.15 148 456.54 82.34 374.20 36,753.06 13,246.94 149 456.54 80.08 376.46 37,129.52 12,870.48 150 456.54 77.80 378.74 37,508.26 12,491.74 151 456.54 75.51 381.03 37,889.29 12,110.71 152 456.54 73.21 383.33 38,272.62 11,727.38 153 456.54 70.89 385.65 38,658.27 11,341.73 154 456.54 68.56 387.98 39,046.26 10,953.74 155 456.54 66.21 390.33 39,436.58 10,563.42 156 456.54 63.86 392.69 39,829.27 10,170.73 157 456.54 61.48 395.06 40,224.33 9,775.67 158 456.54 59.09 397.45 40,621.78 9,378.22 159 456.54 56.69 399.85 41,021.63 8,978.37 160 456.54 54.27 402.27 41,423.90 8,576.10

161 456.54 51.84 404.70 41,828.60 8,171.40 162 456.54 49.40 407.15 42,235.74 7,764.26 163 456.54 46.93 409.61 42,645.35 7,354.65 164 456.54 44.46 412.08 43,057.43 6,942.57 165 456.54 41.97 414.57 43,472.01 6,527.99 166 456.54 39.46 417.08 43,889.09 6,110.91 167 456.54 36.94 419.60 44,308.69 5,691.31 168 456.54 34.40 422.14 44,730.83 5,269.17 169 456.54 31.85 424.69 45,155.52 4,844.48 170 456.54 29.28 427.26 45,582.77 4,417.23 171 456.54 26.70 429.84 46,012.61 3,987.39 172 456.54 24.10 432.44 46,445.05 3,554.95 173 456.54 21.49 435.05 46,880.10 3,119.90 174 456.54 18.86 437.68 47,317.78 2,682.22 175 456.54 16.21 440.33 47,758.11 2,241.89 176 456.54 13.55 442.99 48,201.10 1,798.90 177 456.54 10.87 445.67 48,646.77 1,353.23 178 456.54 8.18 448.36 49,095.13 904.87 179 456.54 5.47 451.07 49,546.20 453.80 180 456.54 2.74 453.80 50,000.00 -0.00

82,177.46 32,177.46 50,000.00

CUADRO COMPARATIVOFLAT ALEMÁN FRANCÉS

Periodo Intereses Capital Intereses Capital Interéso

1 302.25 277.78 302.25 277.78 302.25 2 302.25 277.78 300.57 277.78 301.31 3 302.25 277.78 298.89 277.78 300.37 4 302.25 277.78 297.21 277.78 299.43 5 302.25 277.78 295.53 277.78 298.48 6 302.25 277.78 293.85 277.78 297.53 7 302.25 277.78 292.17 277.78 296.56 8 302.25 277.78 290.49 277.78 295.60 9 302.25 277.78 288.81 277.78 294.62

10 302.25 277.78 287.13 277.78 293.65 11 302.25 277.78 285.45 277.78 292.66 12 302.25 277.78 283.78 277.78 291.67 13 302.25 277.78 282.10 277.78 290.67 14 302.25 277.78 280.42 277.78 289.67 15 302.25 277.78 278.74 277.78 288.66 16 302.25 277.78 277.06 277.78 287.65 17 302.25 277.78 275.38 277.78 286.63 18 302.25 277.78 273.70 277.78 285.60 19 302.25 277.78 272.02 277.78 284.57 20 302.25 277.78 270.34 277.78 283.53

21 302.25 277.78 268.66 277.78 282.48 22 302.25 277.78 266.98 277.78 281.43 23 302.25 277.78 265.30 277.78 280.37 24 302.25 277.78 263.63 277.78 279.31 25 302.25 277.78 261.95 277.78 278.23 26 302.25 277.78 260.27 277.78 277.16 27 302.25 277.78 258.59 277.78 276.07 28 302.25 277.78 256.91 277.78 274.98 29 302.25 277.78 255.23 277.78 273.88 30 302.25 277.78 253.55 277.78 272.78 31 302.25 277.78 251.87 277.78 271.67 32 302.25 277.78 250.19 277.78 270.55 33 302.25 277.78 248.51 277.78 269.43 34 302.25 277.78 246.83 277.78 268.30 35 302.25 277.78 245.16 277.78 267.16 36 302.25 277.78 243.48 277.78 266.01 37 302.25 277.78 241.80 277.78 264.86 38 302.25 277.78 240.12 277.78 263.70 39 302.25 277.78 238.44 277.78 262.54 40 302.25 277.78 236.76 277.78 261.36 41 302.25 277.78 235.08 277.78 260.18 42 302.25 277.78 233.40 277.78 259.00 43 302.25 277.78 231.72 277.78 257.80 44 302.25 277.78 230.04 277.78 256.60 45 302.25 277.78 228.36 277.78 255.39 46 302.25 277.78 226.68 277.78 254.18 47 302.25 277.78 225.01 277.78 252.95 48 302.25 277.78 223.33 277.78 251.72 49 302.25 277.78 221.65 277.78 250.48 50 302.25 277.78 219.97 277.78 249.24 51 302.25 277.78 218.29 277.78 247.99 52 302.25 277.78 216.61 277.78 246.73 53 302.25 277.78 214.93 277.78 245.46 54 302.25 277.78 213.25 277.78 244.18 55 302.25 277.78 211.57 277.78 242.90 56 302.25 277.78 209.89 277.78 241.61 57 302.25 277.78 208.21 277.78 240.31 58 302.25 277.78 206.53 277.78 239.00 59 302.25 277.78 204.86 277.78 237.68 60 302.25 277.78 203.18 277.78 236.36 61 302.25 277.78 201.50 277.78 235.03 62 302.25 277.78 199.82 277.78 233.69 63 302.25 277.78 198.14 277.78 232.34 64 302.25 277.78 196.46 277.78 230.99 65 302.25 277.78 194.78 277.78 229.63 66 302.25 277.78 193.10 277.78 228.25 67 302.25 277.78 191.42 277.78 226.87 68 302.25 277.78 189.74 277.78 225.49

69 302.25 277.78 188.06 277.78 224.09 70 302.25 277.78 186.39 277.78 222.68 71 302.25 277.78 184.71 277.78 221.27 72 302.25 277.78 183.03 277.78 219.85 73 302.25 277.78 181.35 277.78 218.42 74 302.25 277.78 179.67 277.78 216.98 75 302.25 277.78 177.99 277.78 215.53 76 302.25 277.78 176.31 277.78 214.07 77 302.25 277.78 174.63 277.78 212.61 78 302.25 277.78 172.95 277.78 211.13 79 302.25 277.78 171.27 277.78 209.65 80 302.25 277.78 169.59 277.78 208.16 81 302.25 277.78 167.91 277.78 206.65 82 302.25 277.78 166.24 277.78 205.14 83 302.25 277.78 164.56 277.78 203.62 84 302.25 277.78 162.88 277.78 202.10 85 302.25 277.78 161.20 277.78 200.56 86 302.25 277.78 159.52 277.78 199.01 87 302.25 277.78 157.84 277.78 197.45 88 302.25 277.78 156.16 277.78 195.89 89 302.25 277.78 154.48 277.78 194.31 90 302.25 277.78 152.80 277.78 192.73 91 302.25 277.78 151.12 277.78 191.13 92 302.25 277.78 149.44 277.78 189.53 93 302.25 277.78 147.76 277.78 187.91 94 302.25 277.78 146.09 277.78 186.29 95 302.25 277.78 144.41 277.78 184.66 96 302.25 277.78 142.73 277.78 183.01 97 302.25 277.78 141.05 277.78 181.36 98 302.25 277.78 139.37 277.78 179.70 99 302.25 277.78 137.69 277.78 178.02

100 302.25 277.78 136.01 277.78 176.34 101 302.25 277.78 134.33 277.78 174.64 102 302.25 277.78 132.65 277.78 172.94 103 302.25 277.78 130.97 277.78 171.23 104 302.25 277.78 129.29 277.78 169.50 105 302.25 277.78 127.61 277.78 167.77 106 302.25 277.78 125.94 277.78 166.02 107 302.25 277.78 124.26 277.78 164.26 108 302.25 277.78 122.58 277.78 162.50 109 302.25 277.78 120.90 277.78 160.72 110 302.25 277.78 119.22 277.78 158.93 111 302.25 277.78 117.54 277.78 157.13 112 302.25 277.78 115.86 277.78 155.32 113 302.25 277.78 114.18 277.78 153.50 114 302.25 277.78 112.50 277.78 151.67 115 302.25 277.78 110.82 277.78 149.83 116 302.25 277.78 109.14 277.78 147.97

117 302.25 277.78 107.47 277.78 146.11 118 302.25 277.78 105.79 277.78 144.23 119 302.25 277.78 104.11 277.78 142.34 120 302.25 277.78 102.43 277.78 140.44 121 302.25 277.78 100.75 277.78 138.53 122 302.25 277.78 99.07 277.78 136.61 123 302.25 277.78 97.39 277.78 134.68 124 302.25 277.78 95.71 277.78 132.73 125 302.25 277.78 94.03 277.78 130.77 126 302.25 277.78 92.35 277.78 128.80 127 302.25 277.78 90.67 277.78 126.82 128 302.25 277.78 88.99 277.78 124.83 129 302.25 277.78 87.32 277.78 122.83 130 302.25 277.78 85.64 277.78 120.81 131 302.25 277.78 83.96 277.78 118.78 132 302.25 277.78 82.28 277.78 116.74 133 302.25 277.78 80.60 277.78 114.68 134 302.25 277.78 78.92 277.78 112.62 135 302.25 277.78 77.24 277.78 110.54 136 302.25 277.78 75.56 277.78 108.45 137 302.25 277.78 73.88 277.78 106.34 138 302.25 277.78 72.20 277.78 104.22 139 302.25 277.78 70.52 277.78 102.10 140 302.25 277.78 68.84 277.78 99.95 141 302.25 277.78 67.17 277.78 97.80 142 302.25 277.78 65.49 277.78 95.63 143 302.25 277.78 63.81 277.78 93.45 144 302.25 277.78 62.13 277.78 91.25 145 302.25 277.78 60.45 277.78 89.04 146 302.25 277.78 58.77 277.78 86.82 147 302.25 277.78 57.09 277.78 84.59 148 302.25 277.78 55.41 277.78 82.34 149 302.25 277.78 53.73 277.78 80.08 150 302.25 277.78 52.05 277.78 77.80 151 302.25 277.78 50.37 277.78 75.51 152 302.25 277.78 48.70 277.78 73.21 153 302.25 277.78 47.02 277.78 70.89 154 302.25 277.78 45.34 277.78 68.56 155 302.25 277.78 43.66 277.78 66.21 156 302.25 277.78 41.98 277.78 63.86 157 302.25 277.78 40.30 277.78 61.48 158 302.25 277.78 38.62 277.78 59.09 159 302.25 277.78 36.94 277.78 56.69 160 302.25 277.78 35.26 277.78 54.27 161 302.25 277.78 33.58 277.78 51.84 162 302.25 277.78 31.90 277.78 49.40 163 302.25 277.78 30.22 277.78 46.93 164 302.25 277.78 28.55 277.78 44.46

165 302.25 277.78 26.87 277.78 41.97 166 302.25 277.78 25.19 277.78 39.46 167 302.25 277.78 23.51 277.78 36.94 168 302.25 277.78 21.83 277.78 34.40 169 302.25 277.78 20.15 277.78 31.85 170 302.25 277.78 18.47 277.78 29.28 171 302.25 277.78 16.79 277.78 26.70 172 302.25 277.78 15.11 277.78 24.10 173 302.25 277.78 13.43 277.78 21.49 174 302.25 277.78 11.75 277.78 18.86 175 302.25 277.78 10.07 277.78 16.21 176 302.25 277.78 8.40 277.78 13.55 177 302.25 277.78 6.72 277.78 10.87 178 302.25 277.78 5.04 277.78 8.18 179 302.25 277.78 3.36 277.78 5.47 180 302.25 277.78 1.68 277.78 2.74

54,404.27 50,000.00 27,353.26 50,000.00 32,177.46