Ejercicios De Amortizacion

Datos:

saldo plazo tea Tasa imp.: Comi de admi: Comi (spread): Por y mante

30000 18 4% tem 30% 2.5% 0.05% 20

pre de gracia 0.0032737398 750

n

saldo

interes

amortizacion

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

30000 30000 30000 30196.75 S/.28,565.35 S/.26,928.61 S/.25,286.51 S/.23,639.04 S/.21,986.17 S/.20,327.90 S/.18,664.19 S/.16,995.04 S/.15,320.42 S/.13,640.32 S/.11,954.72 S/.10,263.60 S/.8,566.95 S/.6,864.74 S/.5,156.96 S/.3,443.59 S/.1,724.61

0 0 98.856 S/.93.52 S/.88.16 S/.82.78 S/.77.39 S/.71.98 S/.66.55 S/.61.10 S/.55.64 S/.50.16 S/.44.65 S/.39.14 S/.33.60 S/.28.05 S/.22.47 S/.16.88 S/.11.27 S/.5.65

0 0 S/.1,631.40 S/.1,636.74 S/.1,642.10 S/.1,647.47 S/.1,652.87 S/.1,658.28 S/.1,663.71 S/.1,669.15 S/.1,674.62 S/.1,680.10 S/.1,685.60 S/.1,691.12 S/.1,696.65 S/.1,702.21 S/.1,707.78 S/.1,713.37 S/.1,718.98 S/.1,724.61 S/.30,196.75

n 0 1 2 3 4 5 6 7 8 9 10

saldo 30000 30000 30000 30196.75 S/.28,565.35 S/.26,928.61 S/.25,315.80 S/.23,693.88 S/.22,062.78 S/.20,422.46 S/.18,772.87

interes

amortizacion

0 0 98.856 S/.93.52 S/.152.26 S/.143.14 S/.133.97 S/.124.75 S/.115.47 S/.106.14

0 0 S/.1,631.40 S/.1,636.74 S/.1,612.81 S/.1,621.93 S/.1,631.10 S/.1,640.32 S/.1,649.59 S/.1,658.92

11 12 13 14 15 16 17 18 19 20

S/.17,113.95 S/.15,445.65 S/.13,767.91 S/.12,080.69 S/.10,383.93 S/.8,677.58 S/.6,961.58 S/.5,235.88 S/.3,500.41 S/.1,755.14

S/.96.76 S/.87.33 S/.77.85 S/.68.31 S/.58.71 S/.49.06 S/.39.36 S/.29.60 S/.19.79 S/.9.92

n 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

saldo 30000 30000 30000 30196.75 S/.28,565.35 S/.26,928.61 S/.25,315.80 S/.8,693.88 S/.8,095.39 S/.7,493.51 S/.6,888.23 S/.6,279.54 S/.5,667.39 S/.5,051.79 S/.4,432.71 S/.3,810.12 S/.3,184.02 S/.2,554.38 S/.1,921.17 S/.1,284.39 S/.644.01

interes 0 0 98.856 S/.93.52 S/.152.26 S/.143.14 S/.49.16 S/.45.77 S/.42.37 S/.38.95 S/.35.51 S/.32.04 S/.28.56 S/.25.06 S/.21.54 S/.18.00 S/.14.44 S/.10.86 S/.7.26 S/.3.64

S/.1,668.30 S/.1,677.73 S/.1,687.22 S/.1,696.76 S/.1,706.35 S/.1,716.00 S/.1,725.70 S/.1,735.46 S/.1,745.27 S/.1,755.14 S/.26,928.61

amortizacion 0 0 S/.1,631.40 S/.1,636.74 S/.1,612.81 S/.16,621.93 S/.598.49 S/.601.87 S/.605.28 S/.608.70 S/.612.14 S/.615.60 S/.619.08 S/.622.58 S/.626.10 S/.629.64 S/.633.20 S/.636.78 S/.640.38 S/.644.01 S/.8,693.88

2

vf cuota

cuota 0 0 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25 S/.1,730.25

cuota 0 0 S/.1,730.25 S/.1,730.25 S/.1,765.07 S/.1,765.07 S/.1,765.07 S/.1,765.07 S/.1,765.07 S/.1,765.07

Por y manteComi (spread)

20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20

15.10 14.28 13.46 12.64 11.82 10.99 10.16 9.33 8.50 7.66 6.82 5.98 5.13 4.28 3.43 2.58 1.72 0.86

Por y mante Comi (spread)

20 20 20 20 20 20 20 20

15.10 14.28 13.46 12.66 11.85 11.03 10.21 9.39

S/.30,196.75 S/.1,730.25

Tasa imp.

29.66 28.05 26.45 24.83 23.22 21.59 19.96 18.33 16.69 15.05 13.40 11.74 10.08 8.41 6.74 5.06 3.38 1.69

Pago Final

S/.1,735.70 S/.1,736.48 S/.1,737.27 S/.1,738.06 S/.1,738.86 S/.1,739.65 S/.1,740.45 S/.1,741.26 S/.1,742.06 S/.1,742.87 S/.1,743.68 S/.1,744.49 S/.1,745.31 S/.1,746.12 S/.1,746.94 S/.1,747.77 S/.1,748.59 S/.1,749.42 S/.31,364.99

Tasa imp.

Pago Final

29.66 28.05 45.68 42.94 40.19 37.42 34.64 31.84

S/.1,735.70 S/.1,736.48 S/.1,752.85 S/.1,754.78 S/.1,756.72 S/.1,758.67 S/.1,760.64 S/.1,762.61

S/.1,765.07 S/.1,765.07 S/.1,765.07 S/.1,765.07 S/.1,765.07 S/.1,765.07 S/.1,765.07 S/.1,765.07 S/.1,765.07 S/.1,765.07

cuota 0 0 S/.1,730.25 S/.1,730.25 S/.1,765.07 S/.1,765.07 S/.647.65 S/.647.65 S/.647.65 S/.647.65 S/.647.65 S/.647.65 S/.647.65 S/.647.65 S/.647.65 S/.647.65 S/.647.65 S/.647.65 S/.647.65 S/.647.65

20 20 20 20 20 20 20 20 20 20

8.56 7.72 6.88 6.04 5.19 4.34 3.48 2.62 1.75 0.88

Por y mante Comi (spread)

20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20

15.10 14.28 13.46 12.66 4.35 4.05 3.75 3.44 3.14 2.83 2.53 2.22 1.91 1.59 1.28 0.96 0.64 0.32

29.03 26.20 23.35 20.49 17.61 14.72 11.81 8.88 5.94 2.98

S/.1,764.59 S/.1,766.59 S/.1,768.60 S/.1,770.61 S/.1,772.64 S/.1,774.68 S/.1,776.74 S/.1,778.80 S/.1,780.88 S/.1,782.97

Tasa imp.

Pago Final

29.66 28.05 45.68 42.94 14.75 13.73 12.71 11.68 10.65 9.61 8.57 7.52 6.46 5.40 4.33 3.26 2.18 1.09

S/.1,735.70 S/.1,736.48 S/.1,752.85 S/.1,754.78 S/.657.25 S/.657.96 S/.658.68 S/.659.41 S/.660.13 S/.660.87 S/.661.60 S/.662.34 S/.663.09 S/.663.84 S/.664.59 S/.665.35 S/.666.11 S/.666.88

a)

Determine el costo anual después de impuestos.

respuesta

de los 18 meses del año

0.0723 0.0476

Apartir del 5to mes TEA periodo cuota2

b)

7% TEM 16 S/.1,765.07

0.0057

Si a partir del mes 5 cambia la tasa a una TEA de 7% determine el imp

nuevos pagos.

respuesta

c)

respuesta

S/.1,765.07

Considerando el cambio de la tasa anterior, si junto con la cuota 6 se de S/. 15,000 con fines de reducir el plazo de la operación determine así como el importe de la nueva cuota. prepago 15000 periodo 14 cuota3 S/.647.65

e 7% determine el importe de los

nto con la cuota 6 se hace un prepago operación determine este nuevo plazo

DATOS:

Principal Comi spread Plazo Per de gracia

50,000 0.05% 24 1

TEA Port y mant Comi FLAT Tasa impos

6% 15 2.5% 30%

n 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

saldo 50,000 50,000 50243.38 S/.48,264.72 S/.46,276.43 S/.44,278.46 S/.42,270.77 S/.40,253.30 S/.38,226.02 S/.36,188.86 S/.34,141.79 S/.32,084.76 S/.30,017.71 S/.27,940.61 S/.25,853.39 S/.23,756.01 S/.21,648.42 S/.19,530.58 S/.17,402.42 S/.15,263.91 S/.13,114.99 S/.10,955.60 S/.8,785.71 S/.6,605.25 S/.4,414.19 S/.2,212.45

interes

n 0 1 2

saldo 50,000 50,000 50243.38

interes

amortizacion

0 244.56

0 S/.1,978.66

0 244.56 234.93 225.25 215.53 205.76 195.93 186.07 176.15 166.19 156.17 146.11 136.00 125.84 115.63 105.37 95.07 84.71 74.30 63.84 53.33 42.76 32.15 21.49 10.77

amortizacion 0 S/.1,978.66 S/.1,988.29 S/.1,997.97 S/.2,007.69 S/.2,017.47 S/.2,027.29 S/.2,037.15 S/.2,047.07 S/.2,057.03 S/.2,067.05 S/.2,077.11 S/.2,087.22 S/.2,097.38 S/.2,107.59 S/.2,117.85 S/.2,128.15 S/.2,138.51 S/.2,148.92 S/.2,159.38 S/.2,169.89 S/.2,180.46 S/.2,191.07 S/.2,201.73 S/.2,212.45 S/.50,243.38

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

S/.48,264.72 S/.46,276.43 S/.44,278.46 S/.42,270.77 S/.40,253.30 S/.38,226.02 S/.36,188.86 S/.19,141.79 S/.17,988.51 S/.16,829.61 S/.15,665.06 S/.14,494.85 S/.13,318.94 S/.12,137.31 S/.10,949.93 S/.9,756.77 S/.8,557.80 S/.7,352.99 S/.6,142.32 S/.4,925.76 S/.3,703.27 S/.2,474.84 S/.1,240.42

234.93 225.25 215.53 205.76 195.93 186.07 176.15 93.17 87.56 81.92 76.25 70.55 64.83 59.08 53.30 47.49 41.66 35.79 29.90 23.98 18.03 12.05 6.04

S/.1,988.29 S/.1,997.97 S/.2,007.69 S/.2,017.47 S/.2,027.29 S/.2,037.15 S/.17,047.07 S/.1,153.29 S/.1,158.90 S/.1,164.54 S/.1,170.21 S/.1,175.91 S/.1,181.63 S/.1,187.38 S/.1,193.16 S/.1,198.97 S/.1,204.81 S/.1,210.67 S/.1,216.56 S/.1,222.49 S/.1,228.44 S/.1,234.42 S/.1,240.42 S/.50,243.38

n 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

saldo 50,000 50,000 50243.38 S/.48,264.72 S/.46,276.43 S/.44,278.46 S/.42,270.77 S/.40,253.30 S/.38,226.02 S/.36,188.86 S/.19,141.79 S/.17,988.51 S/.16,829.61 S/.15,665.06 S/.14,494.85 S/.13,318.94

interes

amortizacion

0 244.56 234.93 225.25 215.53 205.76 195.93 186.07 176.15 93.17 87.56 81.92 76.25 70.55 64.83

0 S/.1,978.66 S/.1,988.29 S/.1,997.97 S/.2,007.69 S/.2,017.47 S/.2,027.29 S/.2,037.15 S/.17,047.07 S/.1,153.29 S/.1,158.90 S/.1,164.54 S/.1,170.21 S/.1,175.91 S/.1,181.63

16 17 18 19 20 21 22 23 24 25

S/.12,137.31 S/.10,958.31 S/.9,771.72 S/.8,577.50 S/.7,375.59 S/.6,165.95 S/.4,948.53 S/.3,723.27 S/.2,490.13 S/.1,249.06

78.09 70.51 62.87 55.19 47.45 39.67 31.84 23.96 16.02 8.04

S/.1,179.00 S/.1,186.59 S/.1,194.22 S/.1,201.91 S/.1,209.64 S/.1,217.42 S/.1,225.26 S/.1,233.14 S/.1,241.07 S/.1,249.06 S/.12,137.31 S/.50,243.38

TEM

0.004868 1250 vf cuota

cuota

Por y mante

Comi (spread)

0 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22

0 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15

0 25.12 24.13 23.14 22.14 21.14 20.13 19.11 18.09 17.07 16.04 15.01 13.97 12.93 11.88 10.82 9.77 8.70 7.63 6.56 5.48 4.39 3.30 2.21 1.11

cuota

Por y mante

Comi (spread)

0 S/.2,223.22

0 15

0.00 25.12

S/.50,243.38 S/.2,223.22

Tasa imp. Pago Final 0 73.37 70.48 67.58 64.66 61.73 58.78 55.82 52.85 49.86 46.85 43.83 40.80 37.75 34.69 31.61 28.52 25.41 22.29 19.15 16.00 12.83 9.65 6.45 3.23

0 S/.2,189.97 S/.2,191.87 S/.2,193.78 S/.2,195.70 S/.2,197.63 S/.2,199.57 S/.2,201.51 S/.2,203.47 S/.2,205.44 S/.2,207.41 S/.2,209.40 S/.2,211.39 S/.2,213.39 S/.2,215.41 S/.2,217.43 S/.2,219.47 S/.2,221.51 S/.2,223.56 S/.2,225.63 S/.2,227.70 S/.2,229.78 S/.2,231.88 S/.2,233.98 S/.2,236.10 S/.53,102.98

Tasa imp. Pago Final 0.00 73.37

0.00 2189.97

S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.17,223.22 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46

15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15

24.13 23.14 22.14 21.14 20.13 19.11 18.09 9.57 8.99 8.41 7.83 7.25 6.66 6.07 5.47 4.88 4.28 3.68 3.07 2.46 1.85 1.24 0.62

cuota

Por y mante

Comi (spread)

0 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.2,223.22 S/.17,223.22 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46 S/.1,246.46

0 15 15 15 15 15 15 15 15 15 15 15 15 15 15

0 25.12 24.13 23.14 22.14 21.14 20.13 19.113008836 18.0944320727 9.57 8.99 8.41 7.83 7.25 6.66

70.48 67.58 64.66 61.73 58.78 55.82 52.85 27.95 26.27 24.58 22.88 21.17 19.45 17.72 15.99 14.25 12.50 10.74 8.97 7.19 5.41 3.61 1.81

2191.87 2193.78 2195.70 2197.63 2199.57 2201.51 2203.47 2219.84 2220.95 2222.06 2223.18 2224.30 2225.43 2226.57 2227.71 2228.85 2230.00 2231.16 2232.32 2233.49 2234.66 2235.84 2237.03 S/.53,226.90

Tasa imp. Pago Final 0 73.37 70.48 67.58 64.66 61.73 58.78 55.8201222 52.8453378 27.95 26.27 24.58 22.88 21.17 19.45

0 S/.2,189.97 S/.2,191.87 S/.2,193.78 S/.2,195.70 S/.2,197.63 S/.2,199.57 2201.51349 2203.46969 S/.2,219.84 S/.2,220.95 S/.2,222.06 S/.2,223.18 S/.2,224.30 S/.2,225.43

S/.1,257.10 S/.1,257.10 S/.1,257.10 S/.1,257.10 S/.1,257.10 S/.1,257.10 S/.1,257.10 S/.1,257.10 S/.1,257.10 S/.1,257.10

15 15 15 15 15 15 15 15 15 15

6.07 5.48 4.89 4.29 3.69 3.08 2.47 1.86 1.25 0.62

23.43 21.15 18.86 16.56 14.24 11.90 9.55 7.19 4.81 2.41

S/.1,254.74 S/.1,256.42 S/.1,258.12 S/.1,259.83 S/.1,261.55 S/.1,263.28 S/.1,265.02 S/.1,266.77 S/.1,268.53 S/.1,270.31 S/.43,533.83

a)

Determine el costo efectivo anual del crédito después de impuestos.

a los 24 meses

0.0893

respuesta

al año

0.0437

b)

Si junto con la cuota 8 se hace un prepago de S/. 15,000 con fines de disminuir el import

las demás cuotas, determine el impacto de este prepago sobre el costo efectivo anual de crédito después de impuestos.

periodo prepago cuota2

16 15000 S/.1,246.46

respuesta CEC CEC al año

c)

0.09183 0.04491

Considerando el prepago anterior, si inmediatamente después de desembolsar la cuota tasa cambia a 8% TEA, calcule el importe de los nuevos pagos mensuales a realizar.

respuesta TEA periodo cuota3

8% TEM 10 S/.1,257.10

0.006434

impuestos.

con fines de disminuir el importe de

sobre el costo efectivo anual del

pués de desembolsar la cuota 15, la agos mensuales a realizar.

DATOS: Principal Plazo Por y mante Comi (spread) Comisión FLAT

20,000 12 18 0.09% 1%

TEA Període gracia Tasa imp Comisión Fija 230 ITF

n 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

saldo 20000 20001 20001 20001 20342.19 S/.18,699.08 S/.17,046.68 S/.15,384.93 S/.13,713.80 S/.12,033.21 S/.10,343.12 S/.8,643.47 S/.6,934.22 S/.5,215.30 S/.3,486.66 S/.1,748.24

interes

n 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

saldo 20000 20001 20001 20001 20342.19 S/.18,699.08 S/.17,046.68 S/.15,384.93 S/.13,739.36 S/.12,078.17 S/.10,401.21 S/.8,708.35 S/.6,999.42 S/.5,274.27 S/.3,532.76 S/.1,774.72

interes

0 0 0 115.02 105.73 96.38 86.99 77.54 68.04 58.48 48.87 39.21 29.49 19.71 9.88

0 0 0 115.02 105.73 96.38 145.98 130.37 114.61 98.69 82.63 66.42 50.05 33.52 16.84

n 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

saldo 20000 20001 20001 20001 20342.19 S/.18,699.08 S/.17,046.68 S/.15,384.93 S/.13,739.36 S/.12,078.17 S/.10,401.21 S/.8,708.35 S/.1,999.42 S/.1,506.62 S/.1,009.15 S/.506.96

interes 0 0 0 115.02 105.73 96.38 145.98 130.37 114.61 98.69 82.63 18.97 14.30 9.58 4.81

7% TEM 3 30% 500 0.005%

amortizacion 0 0 0 S/.1,643.11 S/.1,652.40 S/.1,661.74 S/.1,671.14 S/.1,680.59 S/.1,690.09 S/.1,699.65 S/.1,709.26 S/.1,718.92 S/.1,728.64 S/.1,738.41 S/.1,748.24 S/.20,342.19

amortizacion 0 0 0 S/.1,643.11 S/.1,652.40 S/.1,661.74 S/.1,645.58 S/.1,661.19 S/.1,676.95 S/.1,692.87 S/.1,708.93 S/.1,725.14 S/.1,741.51 S/.1,758.04 S/.1,774.72 S/.20,342.19

cuota 0 0 0 S/.1,758.13 S/.1,758.13 S/.1,758.13 S/.1,758.13 S/.1,758.13 S/.1,758.13 S/.1,758.13 S/.1,758.13 S/.1,758.13 S/.1,758.13 S/.1,758.13 S/.1,758.13

cuota 0 0 0 S/.1,758.13 S/.1,758.13 S/.1,758.13 S/.1,791.56 S/.1,791.56 S/.1,791.56 S/.1,791.56 S/.1,791.56 S/.1,791.56 S/.1,791.56 S/.1,791.56 S/.1,791.56

0.0057

saldo actual vf cuota Por y mante Comi (spread)

18 18 18 18 18 18 18 18 18 18 18 18

18.31 16.83 15.34 13.85 12.34 10.83 9.31 7.78 6.24 4.69 3.14 1.57

Por y mante Comi (spread)

18 18 18 18 18 18 18 18 18 18 18 18

18.31 16.83 15.34 13.85 12.37 10.87 9.36 7.84 6.30 4.75 3.18 1.60

20001 20342.19 1758.13 Tasa imp.

Pago Final

34.505305786 31.718191278 28.91531802 26.096596908 23.261938338 20.411252196 17.54444786 14.661434195 11.762119552 8.8464117631 5.9142181379 2.9654454636

S/.2,259.93 S/.2,261.24 S/.2,262.55 S/.2,263.88 S/.2,265.21 S/.2,266.55 S/.2,267.89 S/.2,269.25 S/.2,270.61 S/.2,271.97 S/.2,273.35 S/.2,274.74 S/.27,207.16

Tasa imp.

Pago Final

34.51 31.72 28.92 43.80 39.11 34.38 29.61 24.79 19.92 15.01 10.06 5.05

S/.2,259.93 S/.2,261.24 S/.2,262.55 S/.2,279.61 S/.2,282.82 S/.2,286.05 S/.2,289.31 S/.2,292.61 S/.2,295.94 S/.2,299.29 S/.2,302.68 S/.2,306.11 S/.27,418.14

S/.15,384.93

amortizacion 0 0 0 S/.1,643.11 S/.1,652.40 S/.1,661.74 S/.1,645.58 S/.1,661.19 S/.1,676.95 S/.1,692.87 S/.6,708.93 S/.492.80 S/.497.47 S/.502.19 S/.506.96 S/.20,342.19

S/.20,634.42

cuota 0 0 0 S/.1,758.13 S/.1,758.13 S/.1,758.13 S/.1,791.56 S/.1,791.56 S/.1,791.56 S/.1,791.56 S/.6,791.56 S/.511.77 S/.511.77 S/.511.77 S/.511.77

Por y mante Comi (spread)

18 18 18 18 18 18 18 18 18 18 18 18

18.31 16.83 15.34 13.85 12.37 10.87 9.36 7.84 1.80 1.36 0.91 0.46

Tasa imp.

Pago Final

34.51 31.72 28.92 43.80 39.11 34.38 29.61 24.79 5.69 4.29 2.87 1.44

S/.2,259.93 S/.2,261.24 S/.2,262.55 S/.2,279.61 S/.2,282.82 S/.2,286.05 S/.2,289.31 S/.2,292.61 S/.1,025.88 S/.1,026.84 S/.1,027.80 S/.1,028.78 S/.22,323.42

a)

b)

Determine el costo efectivo del crédito después de impuestos.

a los 12 meses

0.41182

al año

0.41182

Si inmediatamente después de realizar el pago de la cuota 3, la tasa cam calcule el nuevo costo efectivo del crédito después de impuestos.

TEA periodo cuota2

12% TEM 9 S/.1,791.56

0.0095

c)

Considerando el cambio en la tasa anterior, si junto con cuota correspon hace un prepago de S/. 5,000 con la finalidad de disminuir el importe de determine el nuevo costo efectivo del crédito después de impuestos.

periodo cuota3

4 S/.511.77

ués de impuestos.

ago de la cuota 3, la tasa cambia a 12% TEA, espués de impuestos.

si junto con cuota correspondiente al mes 8, se d de disminuir el importe de las restantes cuotas, o después de impuestos.