GESTIN EMPRESARIAL

1. DATOS:
CAPITAL (P):
TASA:
Tasa (i) %:
TIEMPO:
En meses (n):

S/. 280,000.00
1
0.01
%
20
aos
240
meses

2. FRMULAS:
R
P
i
n

Cuota mensual
Capital
Tasa de interes
Nmero de meses

=[ (1+) ^
1]/
( (1+1) ^ )

2. CUADRO DE AMORTIZACIN:

PERODO
0

S/. 280,000.00

AMORTIZACIN
-

S/. 279,716.96

S/. 283.04

S/. 279,431.09

S/. 285.87

S/. 279,142.36

S/. 288.73

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

CAPITAL

278,850.74
278,556.21
278,258.73
277,958.27
277,654.81
277,348.32
277,038.76
276,726.11
276,410.33
276,091.39
275,769.26
275,443.92
275,115.31
274,783.43
274,448.22
274,109.66
273,767.72
273,422.35

291.62
294.53
297.48
300.45
303.46
306.49
309.56
312.65
315.78
318.94
322.13
325.35
328.60
331.89
335.21
338.56
341.94
345.36

22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

273,073.53
272,721.23
272,365.40
272,006.01
271,643.03
271,276.42
270,906.14
270,532.16
270,154.44
269,772.95
269,387.64
268,998.47
268,605.41
268,208.43
267,807.47
267,402.50
266,993.49
266,580.38
266,163.14
265,741.73
265,316.11
264,886.23
264,452.05
264,013.53
263,570.62
263,123.29
262,671.48
262,215.15
261,754.27
261,288.77
260,818.61
260,343.76
259,864.15
259,379.75
258,890.51
258,396.38
257,897.30
257,393.23
256,884.12
256,369.92
255,850.58
255,326.04
254,796.26

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

348.82
352.31
355.83
359.39
362.98
366.61
370.28
373.98
377.72
381.50
385.31
389.16
393.06
396.99
400.96
404.97
409.02
413.11
417.24
421.41
425.62
429.88
434.18
438.52
442.91
447.33
451.81
456.33
460.89
465.50
470.15
474.86
479.60
484.40
489.24
494.14
499.08
504.07
509.11
514.20
519.34
524.54
529.78

65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

254,261.18
253,720.75
253,174.92
252,623.63
252,066.82
251,504.45
250,936.45
250,362.78
249,783.36
249,198.16
248,607.10
248,010.13
247,407.19
246,798.22
246,183.16
245,561.95
244,934.53
244,300.83
243,660.80
243,014.37
242,361.47
241,702.04
241,036.02
240,363.34
239,683.93
238,997.73
238,304.67
237,604.67
236,897.68
236,183.61
235,462.41
234,733.99
233,998.29
233,255.23
232,504.74
231,746.75
230,981.18
230,207.95
229,426.98
228,638.21
227,841.55
227,036.93
226,224.26

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

535.08
540.43
545.83
551.29
556.80
562.37
568.00
573.68
579.41
585.21
591.06
596.97
602.94
608.97
615.06
621.21
627.42
633.70
640.03
646.43
652.90
659.43
666.02
672.68
679.41
686.20
693.06
699.99
706.99
714.06
721.21
728.42
735.70
743.06
750.49
757.99
765.57
773.23
780.96
788.77
796.66
804.63
812.67

108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

225,403.46
224,574.45
223,737.15
222,891.49
222,037.36
221,174.69
220,303.40
219,423.39
218,534.58
217,636.89
216,730.21
215,814.48
214,889.58
213,955.43
213,011.95
212,059.03
211,096.57
210,124.50
209,142.70
208,151.09
207,149.56
206,138.01
205,116.35
204,084.47
203,042.28
201,989.66
200,926.51
199,852.74
198,768.22
197,672.87
196,566.55
195,449.18
194,320.63
193,180.79
192,029.56
190,866.81
189,692.44
188,506.32
187,308.35
186,098.39
184,876.33
183,642.05
182,395.43

S/. 820.80
S/. 829.01
S/. 837.30
S/. 845.67
S/. 854.13
S/. 862.67
S/. 871.29
S/. 880.01
S/. 888.81
S/. 897.70
S/. 906.67
S/. 915.74
S/. 924.90
S/. 934.15
S/. 943.49
S/. 952.92
S/. 962.45
S/. 972.08
S/. 981.80
S/. 991.61
S/. 1,001.53
S/. 1,011.55
S/. 1,021.66
S/. 1,031.88
S/. 1,042.20
S/. 1,052.62
S/. 1,063.14
S/. 1,073.78
S/. 1,084.51
S/. 1,095.36
S/. 1,106.31
S/. 1,117.38
S/. 1,128.55
S/. 1,139.83
S/. 1,151.23
S/. 1,162.75
S/. 1,174.37
S/. 1,186.12
S/. 1,197.98
S/. 1,209.96
S/. 1,222.06
S/. 1,234.28
S/. 1,246.62

151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

181,136.35
179,864.67
178,580.27
177,283.04
175,972.83
174,649.51
173,312.97
171,963.05
170,599.64
169,222.60
167,831.78
166,427.06
165,008.29
163,575.33
162,128.04
160,666.28
159,189.91
157,698.76
156,192.71
154,671.60
153,135.27
151,583.58
150,016.38
148,433.50
146,834.79
145,220.10
143,589.26
141,942.11
140,278.49
138,598.23
136,901.18
135,187.15
133,455.98
131,707.50
129,941.53
128,157.90
126,356.44
124,536.96
122,699.29
120,843.24
118,968.64
117,075.28
115,162.99

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

1,259.09
1,271.68
1,284.39
1,297.24
1,310.21
1,323.31
1,336.55
1,349.91
1,363.41
1,377.04
1,390.82
1,404.72
1,418.77
1,432.96
1,447.29
1,461.76
1,476.38
1,491.14
1,506.05
1,521.11
1,536.33
1,551.69
1,567.21
1,582.88
1,598.71
1,614.69
1,630.84
1,647.15
1,663.62
1,680.26
1,697.06
1,714.03
1,731.17
1,748.48
1,765.97
1,783.63
1,801.46
1,819.48
1,837.67
1,856.05
1,874.61
1,893.35
1,912.29

194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236

S/. 113,231.58
S/. 111,280.86
S/. 109,310.62
S/. 107,320.69
S/. 105,310.85
S/. 103,280.92
S/. 101,230.69
S/. 99,159.95
S/. 97,068.51
S/. 94,956.16
S/. 92,822.68
S/. 90,667.86
S/. 88,491.50
S/. 86,293.37
S/. 84,073.27
S/. 81,830.96
S/. 79,566.23
S/. 77,278.85
S/. 74,968.60
S/. 72,635.24
S/. 70,278.55
S/. 67,898.30
S/. 65,494.24
S/. 63,066.14
S/. 60,613.76
S/. 58,136.86
S/. 55,635.18
S/. 53,108.49
S/. 50,556.54
S/. 47,979.06
S/. 45,375.81
S/. 42,746.53
S/. 40,090.95
S/. 37,408.82
S/. 34,699.87
S/. 31,963.82
S/. 29,200.42
S/. 26,409.38
S/. 23,590.44
S/. 20,743.30
S/. 17,867.69
S/. 14,963.33
S/. 12,029.92

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

1,931.41
1,950.73
1,970.23
1,989.93
2,009.83
2,029.93
2,050.23
2,070.73
2,091.44
2,112.36
2,133.48
2,154.81
2,176.36
2,198.13
2,220.11
2,242.31
2,264.73
2,287.38
2,310.25
2,333.36
2,356.69
2,380.26
2,404.06
2,428.10
2,452.38
2,476.90
2,501.67
2,526.69
2,551.96
2,577.48
2,603.25
2,629.28
2,655.58
2,682.13
2,708.95
2,736.04
2,763.40
2,791.04
2,818.95
2,847.14
2,875.61
2,904.36
2,933.41

237
238
239
240

S/. 9,067.18
S/. 6,074.81
S/. 3,052.52
S/. 0.00

S/.
S/.
S/.
S/.

2,962.74
2,992.37
3,022.29
3,052.52

ARIAL

=( (1+1) ^
)/
( (1+) ^1)

(1+) ^

+1) ^ )

INTERS

CUOTA

S/. 2,800.00

S/. 3,083.04

S/. 2,797.17

S/. 3,083.04

S/. 2,794.31

S/. 3,083.04

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

2,791.42
2,788.51
2,785.56
2,782.59
2,779.58
2,776.55
2,773.48
2,770.39
2,767.26
2,764.10
2,760.91
2,757.69
2,754.44
2,751.15
2,747.83
2,744.48
2,741.10
2,737.68

3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

2,734.22
2,730.74
2,727.21
2,723.65
2,720.06
2,716.43
2,712.76
2,709.06
2,705.32
2,701.54
2,697.73
2,693.88
2,689.98
2,686.05
2,682.08
2,678.07
2,674.03
2,669.93
2,665.80
2,661.63
2,657.42
2,653.16
2,648.86
2,644.52
2,640.14
2,635.71
2,631.23
2,626.71
2,622.15
2,617.54
2,612.89
2,608.19
2,603.44
2,598.64
2,593.80
2,588.91
2,583.96
2,578.97
2,573.93
2,568.84
2,563.70
2,558.51
2,553.26

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

2,547.96
2,542.61
2,537.21
2,531.75
2,526.24
2,520.67
2,515.04
2,509.36
2,503.63
2,497.83
2,491.98
2,486.07
2,480.10
2,474.07
2,467.98
2,461.83
2,455.62
2,449.35
2,443.01
2,436.61
2,430.14
2,423.61
2,417.02
2,410.36
2,403.63
2,396.84
2,389.98
2,383.05
2,376.05
2,368.98
2,361.84
2,354.62
2,347.34
2,339.98
2,332.55
2,325.05
2,317.47
2,309.81
2,302.08
2,294.27
2,286.38
2,278.42
2,270.37

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

2,262.24
2,254.03
2,245.74
2,237.37
2,228.91
2,220.37
2,211.75
2,203.03
2,194.23
2,185.35
2,176.37
2,167.30
2,158.14
2,148.90
2,139.55
2,130.12
2,120.59
2,110.97
2,101.24
2,091.43
2,081.51
2,071.50
2,061.38
2,051.16
2,040.84
2,030.42
2,019.90
2,009.27
1,998.53
1,987.68
1,976.73
1,965.67
1,954.49
1,943.21
1,931.81
1,920.30
1,908.67
1,896.92
1,885.06
1,873.08
1,860.98
1,848.76
1,836.42

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

1,823.95
1,811.36
1,798.65
1,785.80
1,772.83
1,759.73
1,746.50
1,733.13
1,719.63
1,706.00
1,692.23
1,678.32
1,664.27
1,650.08
1,635.75
1,621.28
1,606.66
1,591.90
1,576.99
1,561.93
1,546.72
1,531.35
1,515.84
1,500.16
1,484.33
1,468.35
1,452.20
1,435.89
1,419.42
1,402.78
1,385.98
1,369.01
1,351.87
1,334.56
1,317.07
1,299.42
1,281.58
1,263.56
1,245.37
1,226.99
1,208.43
1,189.69
1,170.75

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04

S/. 1,151.63
S/. 1,132.32
S/. 1,112.81
S/. 1,093.11
S/. 1,073.21
S/. 1,053.11
S/. 1,032.81
S/. 1,012.31
S/. 991.60
S/. 970.69
S/. 949.56
S/. 928.23
S/. 906.68
S/. 884.92
S/. 862.93
S/. 840.73
S/. 818.31
S/. 795.66
S/. 772.79
S/. 749.69
S/. 726.35
S/. 702.79
S/. 678.98
S/. 654.94
S/. 630.66
S/. 606.14
S/. 581.37
S/. 556.35
S/. 531.08
S/. 505.57
S/. 479.79
S/. 453.76
S/. 427.47
S/. 400.91
S/. 374.09
S/. 347.00
S/. 319.64
S/. 292.00
S/. 264.09
S/. 235.90
S/. 207.43
S/. 178.68
S/. 149.63

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04
3,083.04

S/. 120.30
S/. 90.67
S/. 60.75
S/. 30.53
S/. 459,929.88

S/. 3,083.04
S/. 3,083.04
S/. 3,083.04
S/. 3,083.04
S/. 739,929.88

Tasa (i)
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01

0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01

0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01

0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01

0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01

0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01

0.01
0.01
0.01
0.01

GESTIN EMPRESARIAL
1. DATOS:
CAPITAL (P):
TASA:
Tasa (i) %:
TIEMPO:
En meses (n):

S/. 280,000.00
1
0.01
%
10
aos
120
meses

2. FRMULAS:
R
P
i
n

Cuota mensual
Capital
Tasa de interes
Nmero de meses

=[ (1+) ^
1]/
( (1+1) ^ )

2. CUADRO DE AMORTIZACIN:

PERODO
0

S/. 280,000.00

AMORTIZACIN
-

S/. 278,782.81

S/. 1,217.19

S/. 277,553.46

S/. 1,229.36

S/. 276,311.80

S/. 1,241.65

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

CAPITAL

275,057.73
273,791.13
272,511.85
271,219.78
269,914.79
268,596.75
267,265.54
265,921.00
264,563.03
263,191.47
261,806.20
260,407.08
258,993.96
257,566.71
256,125.19
254,669.26
253,198.76
251,713.57

1,254.07
1,266.61
1,279.28
1,292.07
1,304.99
1,318.04
1,331.22
1,344.53
1,357.98
1,371.56
1,385.27
1,399.12
1,413.12
1,427.25
1,441.52
1,455.93
1,470.49
1,485.20

22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

250,213.51
248,698.46
247,168.26
245,622.76
244,061.80
242,485.23
240,892.90
239,284.64
237,660.30
236,019.71
234,362.72
232,689.17
230,998.87
229,291.67
227,567.40
225,825.89
224,066.96
222,290.45
220,496.16
218,683.94
216,853.59
215,004.94
213,137.80
211,252.00
209,347.33
207,423.62
205,480.66
203,518.29
201,536.28
199,534.46
197,512.62
195,470.56
193,408.07
191,324.97
189,221.03
187,096.06
184,949.83
182,782.14
180,592.78
178,381.52
176,148.15
173,892.44
171,614.18

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

1,500.05
1,515.05
1,530.20
1,545.50
1,560.96
1,576.57
1,592.33
1,608.26
1,624.34
1,640.58
1,656.99
1,673.56
1,690.29
1,707.20
1,724.27
1,741.51
1,758.93
1,776.52
1,794.28
1,812.22
1,830.35
1,848.65
1,867.14
1,885.81
1,904.67
1,923.71
1,942.95
1,962.38
1,982.00
2,001.82
2,021.84
2,042.06
2,062.48
2,083.11
2,103.94
2,124.98
2,146.23
2,167.69
2,189.37
2,211.26
2,233.37
2,255.71
2,278.26

65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107

S/. 169,313.13
S/. 166,989.08
S/. 164,641.78
S/. 162,271.01
S/. 159,876.54
S/. 157,458.12
S/. 155,015.51
S/. 152,548.48
S/. 150,056.78
S/. 147,540.16
S/. 144,998.37
S/. 142,431.17
S/. 139,838.30
S/. 137,219.49
S/. 134,574.50
S/. 131,903.06
S/. 129,204.90
S/. 126,479.77
S/. 123,727.38
S/. 120,947.46
S/. 118,139.75
S/. 115,303.96
S/. 112,439.82
S/. 109,547.03
S/. 106,625.31
S/. 103,674.38
S/. 100,693.94
S/. 97,683.69
S/. 94,643.34
S/. 91,572.59
S/. 88,471.12
S/. 85,338.65
S/. 82,174.85
S/. 78,979.41
S/. 75,752.02
S/. 72,492.35
S/. 69,200.09
S/. 65,874.90
S/. 62,516.47
S/. 59,124.44
S/. 55,698.50
S/. 52,238.30
S/. 48,743.50

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

2,301.04
2,324.06
2,347.30
2,370.77
2,394.48
2,418.42
2,442.61
2,467.03
2,491.70
2,516.62
2,541.78
2,567.20
2,592.87
2,618.80
2,644.99
2,671.44
2,698.16
2,725.14
2,752.39
2,779.91
2,807.71
2,835.79
2,864.15
2,892.79
2,921.72
2,950.93
2,980.44
3,010.25
3,040.35
3,070.75
3,101.46
3,132.48
3,163.80
3,195.44
3,227.39
3,259.67
3,292.26
3,325.19
3,358.44
3,392.02
3,425.94
3,460.20
3,494.80

108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150

S/. 45,213.75
S/. 41,648.70
S/. 38,048.00
S/. 34,411.29
S/. 30,738.22
S/. 27,028.41
S/. 23,281.51
S/. 19,497.14
S/. 15,674.92
S/. 11,814.49
S/. 7,915.44
S/. 3,977.41
S/. 0.00

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,529.75
3,565.05
3,600.70
3,636.71
3,673.07
3,709.80
3,746.90
3,784.37
3,822.22
3,860.44
3,899.04
3,938.03
3,977.41

151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193

194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236

237
238
239
240

ARIAL

=( (1+1) ^
)/
( (1+) ^1)

(1+) ^

+1) ^ )

INTERS

CUOTA

S/. 2,800.00

S/. 4,017.19

S/. 2,787.83

S/. 4,017.19

S/. 2,775.53

S/. 4,017.19

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

2,763.12
2,750.58
2,737.91
2,725.12
2,712.20
2,699.15
2,685.97
2,672.66
2,659.21
2,645.63
2,631.91
2,618.06
2,604.07
2,589.94
2,575.67
2,561.25
2,546.69
2,531.99

4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

2,517.14
2,502.14
2,486.98
2,471.68
2,456.23
2,440.62
2,424.85
2,408.93
2,392.85
2,376.60
2,360.20
2,343.63
2,326.89
2,309.99
2,292.92
2,275.67
2,258.26
2,240.67
2,222.90
2,204.96
2,186.84
2,168.54
2,150.05
2,131.38
2,112.52
2,093.47
2,074.24
2,054.81
2,035.18
2,015.36
1,995.34
1,975.13
1,954.71
1,934.08
1,913.25
1,892.21
1,870.96
1,849.50
1,827.82
1,805.93
1,783.82
1,761.48
1,738.92

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4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
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4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19

S/. 1,716.14
S/. 1,693.13
S/. 1,669.89
S/. 1,646.42
S/. 1,622.71
S/. 1,598.77
S/. 1,574.58
S/. 1,550.16
S/. 1,525.48
S/. 1,500.57
S/. 1,475.40
S/. 1,449.98
S/. 1,424.31
S/. 1,398.38
S/. 1,372.19
S/. 1,345.75
S/. 1,319.03
S/. 1,292.05
S/. 1,264.80
S/. 1,237.27
S/. 1,209.47
S/. 1,181.40
S/. 1,153.04
S/. 1,124.40
S/. 1,095.47
S/. 1,066.25
S/. 1,036.74
S/. 1,006.94
S/. 976.84
S/. 946.43
S/. 915.73
S/. 884.71
S/. 853.39
S/. 821.75
S/. 789.79
S/. 757.52
S/. 724.92
S/. 692.00
S/. 658.75
S/. 625.16
S/. 591.24
S/. 556.99
S/. 522.38

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4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
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4,017.19
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4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
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4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19
4,017.19

S/. 487.43
S/. 452.14
S/. 416.49
S/. 380.48
S/. 344.11
S/. 307.38
S/. 270.28
S/. 232.82
S/. 194.97
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S/. 118.14
S/. 79.15
S/. 39.77

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4,017.19
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4,017.19
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4,017.19
4,017.19
4,017.19
4,017.19

S/. 202,062.39

S/. 482,062.39

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0.01
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