Sesi+¦n 13 Cronogramas Especiales 2011
35
ÍNDICE SESIÓN 13 CRONOGRAMAS ESPECIALES 1 2 3 4 5 6 Cuotas dobles Cuota by pass Cuota comodín Hipotecario Vehicular Liquidación de pago
-
Upload
jose-romulo-leon-capcha -
Category
Documents
-
view
188 -
download
1
Transcript of Sesi+¦n 13 Cronogramas Especiales 2011
ÍNDICE
SESIÓN 13CRONOGRAMAS ESPECIALES123456
Cuotas doblesCuota by passCuota comodínHipotecarioVehicularLiquidación de pago
CUOTAS DOBLES
Capital 10,000.00 Tipo de cuota ContantePlazo total 12 meses Cuota por períodoPeríodo de 30 días Fecha de desembolso 11/11/2010Día de pago en cada mes 11 3 TEA 30.00% TED
Período Amortización Intereses Cuota Período
0 11/11/2010 01 12/11/2010 12 1/11/2011 23 2/11/2011 34 3/11/2011 45 4/11/2011 56 5/11/2011 67 6/11/2011 78 7/11/2011 89 8/11/2011 910 9/11/2011 1011 10/11/2011 1112 11/11/2011 12
Totales Totales
Cuotas dobles constantes
Fecha de pago
Saldo de capital
=D4/(((1+G8)^(-C12+C11))+((1+G8)^(-C13+C11))+2*((1+G8)^(-C14+C11))+((1+G8)^(-C15+C11))+((1+G8)^(-C16+C11))+((1+G8)^(-C17+C11))+((1+G8)^(-C18+C11))+((1+G8)^(-C19+C11))+((1+G8)^(-C20+C11)+((1+G8)^(-C21+C11))+((1+G8)^(-C22+C11))+((1+G8)^(-C23+C11))))
I5
=D4/(((1+G8)^(-C12+C11))+((1+G8)^(-C13+C11))+2*((1+G8)^(-C14+C11))+((1+G8)^(-C15+C11))+((1+G8)^(-C16+C11))+((1+G8)^(-C17+C11))+((1+G8)^(-C18+C11))+((1+G8)^(-C19+C11))+((1+G8)^(-C20+C11)+((1+G8)^(-C21+C11))+((1+G8)^(-C22+C11))+((1+G8)^(-C23+C11))))
CUOTAS DOBLES
880.28
0.07%
Amortización Intereses Cuota
11/11/2010 10,000.0012/11/2010 659.23 221.04 880.28 9,340.771/11/2011 666.84 213.43 880.28 8,673.922/11/2011 1,562.36 198.20 1,760.56 7,111.563/11/2011 733.67 146.61 880.28 6,377.894/11/2011 734.55 145.73 880.28 5,643.355/11/2011 755.53 124.74 880.28 4,887.816/11/2011 768.59 111.68 880.28 4,119.227/11/2011 789.22 91.05 880.28 3,330.008/11/2011 804.19 76.09 880.28 2,525.819/11/2011 822.56 57.71 880.28 1,703.2410/11/2011 842.63 37.65 880.28 860.6111/11/2011 860.61 19.66 880.28 0.00
Totales 10,000.00 1,443.61 11,443.61
Fecha de pago
Saldo de capital
=D4/(((1+G8)^(-C12+C11))+((1+G8)^(-C13+C11))+2*((1+G8)^(-C14+C11))+((1+G8)^(-C15+C11))+((1+G8)^(-C16+C11))+((1+G8)^(-C17+C11))+((1+G8)^(-C18+C11))+((1+G8)^(-C19+C11))+((1+G8)^(-C20+C11)+((1+G8)^(-C21+C11))+((1+G8)^(-C22+C11))+((1+G8)^(-C23+C11))))
CUOTAS BY PASS
Capital 10,000.00 Tipo de cuota ContantePlazo total 6 meses Cuota por períodoPeríodo de 30 días Cuotas By pass 4 Día de pago en cada mes 1 Fecha de desembolso 10/1/2010TEA 30.00% TED
Período Amortización Intereses Cuota Período
0 10/10/2010 01 11/1/2010 12 12/1/2010 23 1/1/2011 34 2/1/2011 45 3/1/2011 56 4/1/2011 67 5/1/2011 78 6/1/2011 89 7/1/2011 910 8/1/2011 1011 9/1/2011 1112 10/1/2011 12
Totales Totales
Fecha de pago
Saldo de capital
CUOTAS BY PASS
1,045.08 1,045.08
4 0.07% 0.07%
Amortización Intereses Cuota
10/10/2010 10,000.0011/1/2010 883.45 161.63 1,045.08 9,116.5512/1/2010 843.56 201.52 1,045.08 8,272.991/1/2011 856.04 189.03 1,045.08 7,416.942/1/2011 0.00 0.00 0.00 7,416.943/1/2011 719.20 325.87 1,045.08 6,697.744/1/2011 892.04 153.04 1,045.08 5,805.705/1/2011 916.75 128.33 1,045.08 4,888.956/1/2011 933.37 111.71 1,045.08 3,955.597/1/2011 957.64 87.44 1,045.08 2,997.948/1/2011 976.58 68.50 1,045.08 2,021.379/1/2011 998.89 46.19 1,045.08 1,022.4810/1/2011 1,022.48 22.60 1,045.08 0.00
Totales 10,000.00 1,495.86 11,495.86
Fecha de pago
Saldo de capital
CUOTAS COMODINES
Plazo (meses) 12Préstamo 15,000 Portes 5TEA 20.00% Mes comodín 2TEM Mes comodín 8
Período Dias FSA FSA Comodín Amortización Interés
0 11/11/20101 1/30/20112 2/28/20113 3/30/20114 4/30/20115 5/30/20116 6/30/20117 7/30/20118 8/30/20119 9/30/201110 10/30/201111 11/30/201112 12/30/2011
Totales 0 0.00000 0.00000 0.00 0.00
Período Dias FSA FSA Comodín Amortización Interés
0 11/11/20101 1/30/2011 80 0.96029 957.24 620.222 2/28/2011 109 0.94629 1,369.69 207.773 3/30/2011 139 0.93202 1,383.44 194.024 4/30/2011 170 0.91751 321.36 178.645 5/30/2011 200 0.90367 332.08 167.926 6/30/2011 231 0.88959 1,409.16 168.307 7/30/2011 261 0.87618 1,436.20 141.268 8/30/2011 292 0.86253 1,454.18 123.289 9/30/2011 323 0.84910 1,477.19 100.2710 10/30/2011 353 0.83629 1,503.07 74.4011 11/30/2011 384 0.82327 1,524.35 53.1112 12/30/2011 414 0.81085 1,549.41 28.05
Totales 2,956 7.92389 2.68371 14,717.38 2,057.24
Un crédito por 10,000 nuevos soles fue otorgado el 11 de noviembre del 2010, para ser cancelado a través de 12 cuotas mensuales los dias 30 de cada mes. Por cuestiones de temporada baja en su negocio el prestatario solo podrá cancelar 400 nuevos soles en los meses de enero y febrero. La tasa de interés cobrada será de 22% anual. Se pide elaborar el cuadro de servicio de la deuda. Además se deberá cancelar 6 nuevos soles mensuales por concepto de portes. La fecha de pago son los 30 de cada mes.
Fecha de pago
Fecha de pago
CUOTAS COMODINES0.01530947
Cuota simple ( P ) 1,577.46Cuota de marzo y abril 500Cuota simple + portes 1,582.46Cuota comodín + portes 505.00
Portes Cuota
0.00 0.00
Portes Cuota
15,000.005.00 1,582.46 14,042.765.00 1,582.46 12,673.065.00 1,582.46 11,289.625.00 505.00 10,968.265.00 505.00 10,636.185.00 1,582.46 9,227.025.00 1,582.46 7,790.825.00 1,582.46 6,336.645.00 1,582.46 4,859.455.00 1,582.46 3,356.385.00 1,582.46 1,832.035.00 1,582.46 282.62
60.00 16,834.62
Un crédito por 10,000 nuevos soles fue otorgado el 11 de noviembre del 2010, para ser cancelado a través de 12 cuotas mensuales los dias 30 de cada mes. Por cuestiones de temporada baja en su negocio el prestatario solo podrá cancelar 400 nuevos soles en los meses de enero y febrero. La tasa de interés cobrada será de 22% anual. Se pide elaborar el cuadro de servicio de la deuda. Además se deberá cancelar 6 nuevos soles mensuales por concepto de portes. La fecha de pago son
Saldo de Capital
Saldo de Capital
CRONOGRAMA DE PAGOS - PRÉSTAMO HIPOTECARIO
Nombre cliente TEAValor del inmueble 100,000.00 TEM% de financiamiento 85.00% Seguro desgravamenImporte del préstamo 85,000.00 Seguro inmuebleFecha del préstamo 03/01/2010 PortesPlazo de la operación 10 años Cuota simplenumero de cuotas 120 meses Costo real mensual
Costo real anual
Período Amortización Interés PortesFecha de
pagoSeguro
desgravamenSeguro
inmobiliario
Totales
CRONOGRAMA DE PAGOS - PRÉSTAMO HIPOTECARIO
TEA 9.50%TEM ###Seguro desgravamen 0.0150% 85.00%Seguro inmueble 0.0920% $85,000.00Portes 5.00 9.50%Cuota simple 0.76%Costo real mensual 0.93% $1,081.80Costo real anual 11.76%
Cuota total Saldo Flujos Período Amortización Interés
0 1/3/20101 2/2/2010 436.52 645.282 3/4/2010 439.84 641.973 4/3/2010 443.18 638.634 5/3/2010 446.54 635.265 6/2/2010 449.93 631.876 7/2/2010 453.35 628.467 8/1/2010 456.79 625.028 8/31/2010 460.26 621.559 9/30/2010 463.75 618.0510 10/30/2010 467.27 614.5311 11/29/2010 470.82 610.9912 12/29/2010 474.39 607.4113 1/28/2011 477.99 603.8114 2/27/2011 481.62 600.1815 3/29/2011 485.28 596.5316 4/28/2011 488.96 592.8417 5/28/2011 492.67 589.1318 6/27/2011 496.41 585.3919 7/27/2011 500.18 581.6220 8/26/2011 503.98 577.8221 9/25/2011 507.81 574.0022 10/25/2011 511.66 570.1423 11/24/2011 515.54 566.2624 12/24/2011 519.46 562.3425 1/23/2012 523.40 558.4026 2/22/2012 527.38 554.4327 3/23/2012 531.38 550.4228 4/22/2012 535.41 546.3929 5/22/2012 539.48 542.3330 6/21/2012 543.57 538.2331 7/21/2012 547.70 534.1032 8/20/2012 551.86 529.9533 9/19/2012 556.05 525.76
Fecha de pago
34 10/19/2012 560.27 521.5435 11/18/2012 564.52 517.2836 12/18/2012 568.81 513.0037 1/17/2013 573.13 508.6838 2/16/2013 577.48 504.3339 3/18/2013 581.86 499.9440 4/17/2013 586.28 495.5341 5/17/2013 590.73 491.0842 6/16/2013 595.21 486.5943 7/16/2013 599.73 482.0744 8/15/2013 604.28 477.5245 9/14/2013 608.87 472.9346 10/14/2013 613.49 468.3147 11/13/2013 618.15 463.6548 12/13/2013 622.84 458.9649 1/12/2014 627.57 454.2350 2/11/2014 632.34 449.4751 3/13/2014 637.14 444.6752 4/12/2014 641.97 439.8353 5/12/2014 646.85 434.9654 6/11/2014 651.76 430.0555 7/11/2014 656.71 425.1056 8/10/2014 661.69 420.1157 9/9/2014 666.71 415.0958 10/9/2014 671.78 410.0359 11/8/2014 676.88 404.9360 12/8/2014 682.01 399.7961 1/7/2015 687.19 394.6162 2/6/2015 692.41 389.4063 3/8/2015 697.66 384.1464 4/7/2015 702.96 378.8465 5/7/2015 708.30 373.5166 6/6/2015 713.67 368.1367 7/6/2015 719.09 362.7168 8/5/2015 724.55 357.2569 9/4/2015 730.05 351.7570 10/4/2015 735.59 346.2171 11/3/2015 741.18 340.6272 12/3/2015 746.81 335.0073 1/2/2016 752.47 329.3374 2/1/2016 758.19 323.6275 3/2/2016 763.94 317.8676 4/1/2016 769.74 312.0677 5/1/2016 775.59 306.2278 5/31/2016 781.47 300.3379 6/30/2016 787.41 294.4080 7/30/2016 793.38 288.4281 8/29/2016 799.41 282.40
82 9/28/2016 805.48 276.3383 10/28/2016 811.59 270.2184 11/27/2016 817.75 264.0585 12/27/2016 823.96 257.8486 1/26/2017 830.21 251.5987 2/25/2017 836.52 245.2988 3/27/2017 842.87 238.9489 4/26/2017 849.27 232.5490 5/26/2017 855.71 226.0991 6/25/2017 862.21 219.5992 7/25/2017 868.76 213.0593 8/24/2017 875.35 206.4594 9/23/2017 882.00 199.8195 10/23/2017 888.69 193.1196 11/22/2017 895.44 186.3797 12/22/2017 902.24 179.5798 1/21/2018 909.09 172.7299 2/20/2018 915.99 165.82100 3/22/2018 922.94 158.86101 4/21/2018 929.95 151.86102 5/21/2018 937.01 144.80103 6/20/2018 944.12 137.68104 7/20/2018 951.29 130.52105 8/19/2018 958.51 123.29106 9/18/2018 965.79 116.02107 10/18/2018 973.12 108.69108 11/17/2018 980.50 101.30109 12/17/2018 987.95 93.86110 1/16/2019 995.45 86.36111 2/15/2019 1,003.01 78.80112 3/17/2019 1,010.62 71.18113 4/16/2019 1,018.29 63.51114 5/16/2019 1,026.02 55.78115 6/15/2019 1,033.81 47.99116 7/15/2019 1,041.66 40.14117 8/14/2019 1,049.57 32.24118 9/13/2019 1,057.54 24.27119 10/13/2019 1,065.56 16.24120 11/12/2019 1,073.65 8.15
Totales 85,000.00 44,816.41
Portes Cuota total Saldo Flujos
85,000.00 -85,000.0012.75 92.00 5.00 1,186.18 84,563.48 1,186.1812.68 92.00 5.00 1,178.80 84,123.64 1,178.8012.62 92.00 5.00 1,178.80 83,680.46 1,178.8012.55 92.00 5.00 1,178.80 83,233.92 1,178.8012.49 92.00 5.00 1,178.80 82,783.99 1,178.8012.42 92.00 5.00 1,178.80 82,330.65 1,178.8012.35 92.00 5.00 1,178.80 81,873.86 1,178.8012.28 92.00 5.00 1,178.80 81,413.60 1,178.8012.21 92.00 5.00 1,178.80 80,949.86 1,178.8012.14 92.00 5.00 1,178.80 80,482.59 1,178.8012.07 92.00 5.00 1,178.80 80,011.77 1,178.8012.00 92.00 5.00 1,178.80 79,537.38 1,178.8011.93 92.00 5.00 1,178.80 79,059.38 1,178.8011.86 92.00 5.00 1,178.80 78,577.76 1,178.8011.79 92.00 5.00 1,178.80 78,092.49 1,178.8011.71 92.00 5.00 1,178.80 77,603.52 1,178.8011.64 92.00 5.00 1,178.80 77,110.85 1,178.8011.57 92.00 5.00 1,178.80 76,614.44 1,178.8011.49 92.00 5.00 1,178.80 76,114.25 1,178.8011.42 92.00 5.00 1,178.80 75,610.27 1,178.8011.34 92.00 5.00 1,178.80 75,102.47 1,178.8011.27 92.00 5.00 1,178.80 74,590.81 1,178.8011.19 92.00 5.00 1,178.80 74,075.26 1,178.8011.11 92.00 5.00 1,178.80 73,555.81 1,178.8011.03 92.00 5.00 1,178.80 73,032.40 1,178.8010.95 92.00 5.00 1,178.80 72,505.03 1,178.8010.88 92.00 5.00 1,178.80 71,973.65 1,178.8010.80 92.00 5.00 1,178.80 71,438.24 1,178.8010.72 92.00 5.00 1,178.80 70,898.76 1,178.8010.63 92.00 5.00 1,178.80 70,355.18 1,178.8010.55 92.00 5.00 1,178.80 69,807.49 1,178.8010.47 92.00 5.00 1,178.80 69,255.63 1,178.8010.39 92.00 5.00 1,178.80 68,699.58 1,178.80
Seguro desgravamen
Seguro inmobiliario
10.30 92.00 5.00 1,178.80 68,139.31 1,178.8010.22 92.00 5.00 1,178.80 67,574.79 1,178.8010.14 92.00 5.00 1,178.80 67,005.98 1,178.8010.05 92.00 5.00 1,178.80 66,432.86 1,178.809.96 92.00 5.00 1,178.80 65,855.38 1,178.809.88 92.00 5.00 1,178.80 65,273.52 1,178.809.79 92.00 5.00 1,178.80 64,687.24 1,178.809.70 92.00 5.00 1,178.80 64,096.52 1,178.809.61 92.00 5.00 1,178.80 63,501.30 1,178.809.53 92.00 5.00 1,178.80 62,901.57 1,178.809.44 92.00 5.00 1,178.80 62,297.29 1,178.809.34 92.00 5.00 1,178.80 61,688.42 1,178.809.25 92.00 5.00 1,178.80 61,074.92 1,178.809.16 92.00 5.00 1,178.80 60,456.77 1,178.809.07 92.00 5.00 1,178.80 59,833.93 1,178.808.98 92.00 5.00 1,178.80 59,206.36 1,178.808.88 92.00 5.00 1,178.80 58,574.02 1,178.808.79 92.00 5.00 1,178.80 57,936.88 1,178.808.69 92.00 5.00 1,178.80 57,294.91 1,178.808.59 92.00 5.00 1,178.80 56,648.06 1,178.808.50 92.00 5.00 1,178.80 55,996.31 1,178.808.40 92.00 5.00 1,178.80 55,339.60 1,178.808.30 92.00 5.00 1,178.80 54,677.91 1,178.808.20 92.00 5.00 1,178.80 54,011.19 1,178.808.10 92.00 5.00 1,178.80 53,339.42 1,178.808.00 92.00 5.00 1,178.80 52,662.54 1,178.807.90 92.00 5.00 1,178.80 51,980.53 1,178.807.80 92.00 5.00 1,178.80 51,293.34 1,178.807.69 92.00 5.00 1,178.80 50,600.93 1,178.807.59 92.00 5.00 1,178.80 49,903.26 1,178.807.49 92.00 5.00 1,178.80 49,200.30 1,178.807.38 92.00 5.00 1,178.80 48,492.01 1,178.807.27 92.00 5.00 1,178.80 47,778.33 1,178.807.17 92.00 5.00 1,178.80 47,059.24 1,178.807.06 92.00 5.00 1,178.80 46,334.69 1,178.806.95 92.00 5.00 1,178.80 45,604.64 1,178.806.84 92.00 5.00 1,178.80 44,869.04 1,178.806.73 92.00 5.00 1,178.80 44,127.86 1,178.806.62 92.00 5.00 1,178.80 43,381.06 1,178.806.51 92.00 5.00 1,178.80 42,628.58 1,178.806.39 92.00 5.00 1,178.80 41,870.40 1,178.806.28 92.00 5.00 1,178.80 41,106.45 1,178.806.17 92.00 5.00 1,178.80 40,336.71 1,178.806.05 92.00 5.00 1,178.80 39,561.12 1,178.805.93 92.00 5.00 1,178.80 38,779.65 1,178.805.82 92.00 5.00 1,178.80 37,992.24 1,178.805.70 92.00 5.00 1,178.80 37,198.86 1,178.805.58 92.00 5.00 1,178.80 36,399.45 1,178.80
5.46 92.00 5.00 1,178.80 35,593.98 1,178.805.34 92.00 5.00 1,178.80 34,782.39 1,178.805.22 92.00 5.00 1,178.80 33,964.63 1,178.805.09 92.00 5.00 1,178.80 33,140.67 1,178.804.97 92.00 5.00 1,178.80 32,310.46 1,178.804.85 92.00 5.00 1,178.80 31,473.94 1,178.804.72 92.00 5.00 1,178.80 30,631.07 1,178.804.59 92.00 5.00 1,178.80 29,781.81 1,178.804.47 92.00 5.00 1,178.80 28,926.09 1,178.804.34 92.00 5.00 1,178.80 28,063.88 1,178.804.21 92.00 5.00 1,178.80 27,195.13 1,178.804.08 92.00 5.00 1,178.80 26,319.78 1,178.803.95 92.00 5.00 1,178.80 25,437.78 1,178.803.82 92.00 5.00 1,178.80 24,549.09 1,178.803.68 92.00 5.00 1,178.80 23,653.65 1,178.803.55 92.00 5.00 1,178.80 22,751.42 1,178.803.41 92.00 5.00 1,178.80 21,842.33 1,178.803.28 92.00 5.00 1,178.80 20,926.34 1,178.803.14 92.00 5.00 1,178.80 20,003.40 1,178.803.00 92.00 5.00 1,178.80 19,073.46 1,178.802.86 92.00 5.00 1,178.80 18,136.45 1,178.802.72 92.00 5.00 1,178.80 17,192.33 1,178.802.58 92.00 5.00 1,178.80 16,241.04 1,178.802.44 92.00 5.00 1,178.80 15,282.53 1,178.802.29 92.00 5.00 1,178.80 14,316.75 1,178.802.15 92.00 5.00 1,178.80 13,343.63 1,178.802.00 92.00 5.00 1,178.80 12,363.13 1,178.801.85 92.00 5.00 1,178.80 11,375.18 1,178.801.71 92.00 5.00 1,178.80 10,379.73 1,178.801.56 92.00 5.00 1,178.80 9,376.72 1,178.801.41 92.00 5.00 1,178.80 8,366.10 1,178.801.25 92.00 5.00 1,178.80 7,347.81 1,178.801.10 92.00 5.00 1,178.80 6,321.79 1,178.800.95 92.00 5.00 1,178.80 5,287.98 1,178.800.79 92.00 5.00 1,178.80 4,246.32 1,178.800.64 92.00 5.00 1,178.80 3,196.75 1,178.800.48 92.00 5.00 1,178.80 2,139.22 1,178.800.32 92.00 5.00 1,178.80 1,073.65 1,178.800.16 92.00 5.00 1,178.80 0.00 1,178.80
885.52 11,040.00 600.00 141,463.79
CRONOGRAMA DE PAGOS - PRÉSTAMO VEHICULAR
Nombre del cliente TEAValor del vehiculo 16,000.00 TEM% de financiamiento 80% Seguro desgravamenImporte del préstamo Seguro vehicularFecha del préstamo 17/06/2009 PortesPlazo de la operación 5 años Cuota simpleNúmero de cuotasCosto real mensual 1.35% Costo real anual
Período Amortización Interés Portes
0 6/17/20091 7/17/20092 8/16/20093 9/15/20094 10/15/20095 11/14/20096 12/14/20097 1/13/20108 2/12/20109 3/14/201010 4/13/201011 5/13/201012 6/12/201013 7/12/201014 8/11/201015 9/10/201016 10/10/201017 11/9/201018 12/9/201019 1/8/201120 2/7/201121 3/9/201122 4/8/201123 5/8/201124 6/7/201125 7/7/201126 8/6/201127 9/5/201128 10/5/201129 11/4/201130 12/4/201131 1/3/201232 2/2/201233 3/3/2012
Fecha de pago
Seguro desgravamen
Seguro vehicular
34 4/2/201235 5/2/201236 6/1/201237 7/1/201238 7/31/201239 8/30/201240 9/29/201241 10/29/201242 11/28/201243 12/28/201244 1/27/201345 2/26/201346 3/28/201347 4/27/201348 5/27/201349 6/26/201350 7/26/201351 8/25/201352 9/24/201353 10/24/201354 11/23/201355 12/23/201356 1/22/201457 2/21/201458 3/23/201459 4/22/201460 5/22/2014
Totales
CRONOGRAMA DE PAGOS - PRÉSTAMO VEHICULAR
TEA 14.00% JUAN GARCIA FLORES TEATEM $16,000.00 TEMSeguro desgravamen 0.015% 80% Seguro desgravamenSeguro vehicular 0.10% $12,800.00 Seguro VehicularPortes 3.50 17/06/2009 PortesCuota simple 5 años
60 meses Cuota simpleCosto real anual 17.52%
Saldo Flujos Período Amortización Interés
0 6/17/20091 7/17/2009 151.86 140.532 8/16/2009 153.52 138.863 9/15/2009 155.21 137.184 10/15/2009 156.91 135.475 11/14/2009 158.63 133.756 12/14/2009 160.38 132.017 1/13/2010 162.14 130.258 2/12/2010 163.92 128.479 3/14/2010 165.72 126.6710 4/13/2010 167.54 124.8511 5/13/2010 169.38 123.0112 6/12/2010 171.24 121.1513 7/12/2010 173.12 119.2714 8/11/2010 175.02 117.3715 9/10/2010 176.94 115.4516 10/10/2010 178.88 113.5017 11/9/2010 180.84 111.5418 12/9/2010 182.83 109.5619 1/8/2011 184.84 107.5520 2/7/2011 186.87 105.5221 3/9/2011 188.92 103.4722 4/8/2011 190.99 101.3923 5/8/2011 193.09 99.3024 6/7/2011 195.21 97.1825 7/7/2011 197.35 95.0326 8/6/2011 199.52 92.8727 9/5/2011 201.71 90.6828 10/5/2011 203.92 88.4629 11/4/2011 206.16 86.2230 12/4/2011 208.43 83.9631 1/3/2012 210.71 81.6732 2/2/2012 213.03 79.3633 3/3/2012 215.37 77.02
Cuota total
Fecha de pago
J6
Se aplica sobre el saldo del préstamo
J7
Se aplica sobre el valor del vehiculo, no del préstamo
34 4/2/2012 217.73 74.6535 5/2/2012 220.12 72.2636 6/1/2012 222.54 69.8537 7/1/2012 224.98 67.4038 7/31/2012 227.45 64.9339 8/30/2012 229.95 62.4440 9/29/2012 232.47 59.9141 10/29/2012 235.02 57.3642 11/28/2012 237.60 54.7843 12/28/2012 240.21 52.1744 1/27/2013 242.85 49.5345 2/26/2013 245.52 46.8746 3/28/2013 248.21 44.1747 4/27/2013 250.94 41.4548 5/27/2013 253.69 38.6949 6/26/2013 256.48 35.9150 7/26/2013 259.29 33.0951 8/25/2013 262.14 30.2452 9/24/2013 265.02 27.3753 10/24/2013 267.93 24.4654 11/23/2013 270.87 21.5255 12/23/2013 273.84 18.5456 1/22/2014 276.85 15.5357 2/21/2014 279.89 12.5058 3/23/2014 282.96 9.4259 4/22/2014 286.07 6.3260 5/22/2014 289.21 3.18
Totales 12,800.00 4,743.09
TEA 14.00%TEM 1.10%Seguro desgravamen 0.015%Seguro Vehicular 0.10%Portes $3.50
Cuota simple $292.38
Portes Saldo Flujos
12,800.00 -12,800.001.92 16.00 3.50 312.96 12,648.14 312.961.90 16.00 3.50 312.96 12,494.62 312.961.87 16.00 3.50 312.96 12,339.41 312.961.85 16.00 3.50 312.96 12,182.50 312.961.83 16.00 3.50 312.96 12,023.87 312.961.80 16.00 3.50 312.96 11,863.49 312.961.78 16.00 3.50 312.96 11,701.35 312.961.76 16.00 3.50 312.96 11,537.44 312.961.73 16.00 3.50 312.96 11,371.72 312.961.71 16.00 3.50 312.96 11,204.18 312.961.68 16.00 3.50 312.96 11,034.81 312.961.66 16.00 3.50 312.96 10,863.57 312.961.63 16.00 3.50 312.96 10,690.46 312.961.60 16.00 3.50 312.96 10,515.44 312.961.58 16.00 3.50 312.96 10,338.50 312.961.55 16.00 3.50 312.96 10,159.62 312.961.52 16.00 3.50 312.96 9,978.78 312.961.50 16.00 3.50 312.96 9,795.95 312.961.47 16.00 3.50 312.96 9,611.11 312.961.44 16.00 3.50 312.96 9,424.25 312.961.41 16.00 3.50 312.96 9,235.33 312.961.39 16.00 3.50 312.96 9,044.34 312.961.36 16.00 3.50 312.96 8,851.25 312.961.33 16.00 3.50 312.96 8,656.04 312.961.30 16.00 3.50 312.96 8,458.69 312.961.27 16.00 3.50 312.96 8,259.17 312.961.24 16.00 3.50 312.96 8,057.46 312.961.21 16.00 3.50 312.96 7,853.54 312.961.18 16.00 3.50 312.96 7,647.38 312.961.15 16.00 3.50 312.96 7,438.95 312.961.12 16.00 3.50 312.96 7,228.24 312.961.08 16.00 3.50 312.96 7,015.21 312.961.05 16.00 3.50 312.96 6,799.85 312.96
Seguro desgravamen
Seguro vehicular
Cuota total
1.02 16.00 3.50 312.96 6,582.12 312.960.99 16.00 3.50 312.96 6,361.99 312.960.95 16.00 3.50 312.96 6,139.46 312.960.92 16.00 3.50 312.96 5,914.48 312.960.89 16.00 3.50 312.96 5,687.03 312.960.85 16.00 3.50 312.96 5,457.08 312.960.82 16.00 3.50 312.96 5,224.61 312.960.78 16.00 3.50 312.96 4,989.58 312.960.75 16.00 3.50 312.96 4,751.98 312.960.71 16.00 3.50 312.96 4,511.76 312.960.68 16.00 3.50 312.96 4,268.91 312.960.64 16.00 3.50 312.96 4,023.39 312.960.60 16.00 3.50 312.96 3,775.18 312.960.57 16.00 3.50 312.96 3,524.24 312.960.53 16.00 3.50 312.96 3,270.55 312.960.49 16.00 3.50 312.96 3,014.07 312.960.45 16.00 3.50 312.96 2,754.78 312.960.41 16.00 3.50 312.96 2,492.64 312.960.37 16.00 3.50 312.96 2,227.62 312.960.33 16.00 3.50 312.96 1,959.69 312.960.29 16.00 3.50 312.96 1,688.82 312.960.25 16.00 3.50 312.96 1,414.98 312.960.21 16.00 3.50 312.96 1,138.13 312.960.17 16.00 3.50 312.96 858.24 312.960.13 16.00 3.50 312.96 575.28 312.960.09 16.00 3.50 312.96 289.21 312.960.04 16.00 3.50 312.96 0.00 312.96
64.80 960.00 210.00 18,777.89
LIQUIDACIÓN DE PAGO
Hay atraso en el pago de la cuota 6 cuyo vencimiento era el y es cancelado el 1/30/2011 bajo el sistema de cuotas decrecientes.
Capital 22,000.00TEA 33.00%Plazo 12 mesesTEMAmortizaciónFecha de desembolso
Período Fecha de pago Amortización Interés Cuota Saldo0 7/15/20101 8/14/2010
2 9/13/20103 10/13/20104 11/12/20105 12/12/20106 1/11/20117 2/10/20118 3/12/20119 4/11/201110 5/11/201111 6/10/201112 7/10/2011
Totales
Solución
Capital 22,000.00TEA 33.00%Plazo 12 mesesTEM 2.40%Amortización 1,833.33 Fecha de desembolso 7/15/2010
Período Fecha de pago Amortización Interés Cuota Saldo0 7/15/2010 22,000.001 8/14/2010 1,833.33 529.09 2,362.42 20,166.672 9/13/2010 1,833.33 485.00 2,318.33 18,333.33
3 10/13/2010 1,833.33 440.91 2,274.24 16,500.004 11/12/2010 1,833.33 396.82 2,230.15 14,666.675 12/12/2010 1,833.33 352.73 2,186.06 12,833.336 1/11/2011 1,833.33 308.64 2,141.97 11,000.007 2/10/2011 1,833.33 264.55 2,097.88 9,166.67
8 3/12/2011 1,833.33 220.45 2,053.79 7,333.339 4/11/2011 1,833.33 176.36 2,009.70 5,500.0010 5/11/2011 1,833.33 132.27 1,965.61 3,666.6711 6/10/2011 1,833.33 88.18 1,921.52 1,833.3312 7/10/2011 1,833.33 44.09 1,877.42 0.00
Totales 22,000.00 3,439.09 25,439.09
LIQUIDACIÓN DE PAGO
1/11/2011bajo el sistema de cuotas decrecientes.
Fecha de liquidación
CapitalNuevo saldo
TEAFecha último pagoFecha vencimientoFecha de pagoNuevo vencimiento
9.00%
LIQUIDACIÓN DE PAGOAmortizaciónInterés vencido DíasInterés adelantado DíasInterés moratorio DíasProtestoPortesComisión renovación 0.25%Total
Fecha de liquidación 1/30/2011
Capital 12,833.33 Nuevo saldo 11,000.00
TEA 33.00%Fecha último pago 12/12/2010Fecha vencimiento 1/11/2011Fecha de pago 1/30/2011Nuevo vencimiento 2/10/2011
9.00%
LIQUIDACIÓN DE PAGOAmortización 1,833.33 Interés Vencido 49 DIAS 507.93
TEAmoratoria
TEAmoratoria
Interés Moratorio 19 DIAS 50.14 Protesto 0.00Portes 5.00Comisión renovación 0.25% 27.50Total 2,371.13
