Fondo Acumulado

Fondo
Depsito Inters Adic.Fond.
Acumulado
Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0 Capital=
1 S/. 517.75 S/. - S/. 517.75 S/. 517.75 Periodicidad =
2 S/. 517.75 S/. 61.11 S/. 578.87 S/. 1,096.62 Periodo=
3 S/. 517.75 S/. 129.44 S/. 647.19 S/. 1,743.81 TEB =
4 S/. 517.75 S/. 205.83 S/. 723.58 S/. 2,467.40 TEM = (E)
5 S/. 517.75 S/. 291.24 S/. 808.99 S/. 3,276.39 Cuota=
6 S/. 517.75 S/. 386.73 S/. 904.48 S/. 4,180.87
7 S/. 517.75 S/. 493.48 S/. 1,011.24 S/. 5,192.10 D-1 es el saldo del periodo ant
8 S/. 517.75 S/. 612.84 S/. 1,130.60 S/. 6,322.70
9 S/. 517.75 S/. 746.29 S/. 1,264.05 S/. 7,586.75
10 S/. 517.75 S/. 895.49 S/. 1,413.25 S/. 9,000.00
 S/. 9,000.00
mensual
10 meses
25.00%
11.8034%
S/. 517.75

l saldo del periodo anterior

 Fondo Acumulado
Fondo
Depsito Inters Adic.Fond.
Acumulado
Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0 Capital=
1 S/. 779.22 S/. - S/. 779.22 S/. 779.22 Periodo=
2 S/. 779.22 S/. 27.27 S/. 806.49 S/. 1,585.71 TEM1 = (E)
3 S/. 779.22 S/. 55.50 S/. 834.72 S/. 2,420.44 TEM2 = (E)
4 S/. 779.22 S/. 84.72 S/. 863.94 S/. 3,284.37 Cuota=
5 S/. 779.22 S/. 114.95 S/. 894.17 S/. 4,178.55 Cuota=
6 S/. 779.22 S/. 146.25 S/. 925.47 S/. 5,104.02 D-1 es el saldo del periodo ant
7 S/. 779.22 S/. 178.64 S/. 957.86 S/. 6,061.88
8 S/. 779.22 S/. 172.76 S/. 951.98 S/. 7,013.86
9 S/. 779.22 S/. 199.90 S/. 979.12 S/. 7,992.98
10 S/. 779.22 S/. 227.80 S/. 1,007.02 S/. 9,000.00
 S/. 9,000.00
10 meses
3.50% 7 meses
2.85% 3 meses
S/. 779.22
S/. 779.22
es el saldo del periodo anterior
 Fondo Acumulado
Fondo
Depsito Inters Adic.Fond.
Acumulado
Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0 Capital=
1 S/. 229.89 S/. - S/. 229.89 S/. 229.89 Periodicidad =
2 S/. 309.89 S/. 27.14 S/. 337.03 S/. 566.92 Periodo=
3 S/. 389.89 S/. 66.92 S/. 456.81 S/. 1,023.73 TEB =
4 S/. 469.89 S/. 120.83 S/. 590.73 S/. 1,614.46 TEM = (E)
5 S/. 549.89 S/. 190.56 S/. 740.45 S/. 2,354.91 Gradiente =
6 S/. 629.89 S/. 277.96 S/. 907.85 S/. 3,262.76 Cuota=
7 S/. 709.89 S/. 385.12 S/. 1,095.01 S/. 4,357.77
8 S/. 789.89 S/. 514.37 S/. 1,304.26 S/. 5,662.03 D-1 es el saldo del periodo ant
9 S/. 869.89 S/. 668.31 S/. 1,538.20 S/. 7,200.23
10 S/. 949.89 S/. 849.87 S/. 1,799.77 S/. 9,000.00
 S/. 9,000.00
mensual
10 meses
25.00%
11.8034%
S/. 80.00
S/. 229.89

l saldo del periodo anterior

 Fondo Acumulado
Fondo
Depsito Inters Adic.Fond.
Acumulado
Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0 Capital=
1 S/. 430.33 S/. - S/. 430.33 S/. 430.33 Periodicidad =
2 S/. 451.85 S/. 50.79 S/. 502.64 S/. 932.98 Periodo=
3 S/. 474.44 S/. 110.12 S/. 584.57 S/. 1,517.54 TEB =
4 S/. 498.16 S/. 179.12 S/. 677.29 S/. 2,194.83 TEM = (E)
5 S/. 523.07 S/. 259.06 S/. 782.14 S/. 2,976.97 Gradiente =
6 S/. 549.23 S/. 351.38 S/. 900.61 S/. 3,877.58 Cuota=
7 S/. 576.69 S/. 457.69 S/. 1,034.37 S/. 4,911.95 D-1 es el saldo del periodo ant
8 S/. 605.52 S/. 579.78 S/. 1,185.30 S/. 6,097.25 B=
9 S/. 635.80 S/. 719.68 S/. 1,355.48 S/. 7,452.74 C=
10 S/. 667.59 S/. 879.68 S/. 1,547.26 S/. 9,000.00
 S/. 9,000.00
mensual
10 meses
25.00%
11.8034%
5%
S/. 430.33
l saldo del periodo anterior
1.05
1.1180339887
 Fondo Amortizacin
Cuota Inters Amortizacin Saldo
Periodo A B C D
E*(D-1) A-B (D-1)-C
0 S/. 9,000.00 Prstamo =
1 S/. 1,082.17 S/. 315.00 S/. 767.17 S/. 8,232.83 Periodo=
2 S/. 1,082.17 S/. 288.15 S/. 794.02 S/. 7,438.80 TEM (B) =
3 S/. 1,082.17 S/. 260.36 S/. 821.81 S/. 6,616.99 Cuota (A) =
4 S/. 1,082.17 S/. 231.59 S/. 850.58 S/. 5,766.41
5 S/. 1,082.17 S/. 201.82 S/. 880.35 S/. 4,886.06 D-1 es el saldo del periodo an
6 S/. 1,082.17 S/. 171.01 S/. 911.16 S/. 3,974.90
7 S/. 1,082.17 S/. 139.12 S/. 943.05 S/. 3,031.85
8 S/. 1,082.17 S/. 106.11 S/. 976.06 S/. 2,055.80
9 S/. 1,082.17 S/. 71.95 S/. 1,010.22 S/. 1,045.58
10 S/. 1,082.17 S/. 36.60 S/. 1,045.58 S/. -
 S/. 9,000.00
10 meses
3.50%
S/. 1,082.17

es el saldo del periodo anterior

 Fondo Acumulado

Depsito Inters Adic.Fond. Fondo Acumulado

Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0
1 S/. 67,582.72 S/. - S/. 67,582.72 S/. 67,582.72
2 S/. 67,582.72 S/. 8,109.93 S/. 75,692.65 S/. 143,275.37
3 S/. 17,193.04 S/. 17,193.04 S/. 160,468.42
0
1 S/. 14,376.36 S/. - S/. 14,376.36 S/. 14,376.36
2 S/. 14,376.36 S/. 2,746.12 S/. 17,122.48 S/. 31,498.84
3 S/. 14,376.36 S/. 6,016.78 S/. 20,393.15 S/. 51,891.99
D-1 es el saldo del periodo anterior

Capital= S/. 323,000.00

Periodicidad = Semestral
Periodo= 4 semestres
TEM = (E) 12.0000%
Cuota= S/. 67,582.72
Acumulado al 3 ao = S/. 271,108.01
Falta acumular al 3 ao = S/. 51,891.99
Capital= S/. 323,000.00
Periodicidad = Anual
Periodo= 3 aos
TEC = 6%
TEA = (E) 19.1016%
Cuota= S/. 14,376.36

Comprobacin = S/. 323,000.00

 Fondo Acumulado

Depsito Inters Adic.Fond. Fondo Acumulado

Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0
1 S/. 18,115.81 S/. - S/. 18,115.81 S/. 18,115.81
2 S/. 1,421.72 S/. 1,421.72 S/. 19,537.53
3 S/. 18,115.81 S/. 1,533.30 S/. 19,649.11 S/. 39,186.64
4 S/. 3,075.36 S/. 3,075.36 S/. 42,262.00
5 S/. 18,115.81 S/. 3,316.71 S/. 21,432.52 S/. 63,694.52
6 S/. 18,115.81 S/. 4,998.73 S/. 23,114.54 S/. 86,809.05
D-1 es el saldo del periodo anterior

Capital= S/. 123,000.00

Depsito = S/. 23,000.00
Periodicidad = Cuatrimestral
Periodo= 6 Cuatrimestres
TES = 12%
TEC = (E) 7.8479800%
Factor = 1.078479800
Cuota= S/. 18,115.81
Cuota inicial acumulada = S/. 36,190.95
Comprobacin = S/. 123,000.00
 Fondo Acumulado

Depsito Inters Adic.Fond. Fondo Acumulado

Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0
1 S/. 527.49 S/. - S/. 527.49 S/. 527.49
2 S/. 527.49 S/. 9.86 S/. 537.35 S/. 1,064.83
3 S/. 1,582.46 S/. 19.90 S/. 1,602.36 S/. 2,667.20
4 S/. 250.00 S/. 49.86 S/. 299.86 S/. 2,967.05
5 S/. 827.49 S/. 55.46 S/. 882.95 S/. 3,850.00
D-1 es el saldo del periodo anterior

Capital= S/. 3,850.00

Periodicidad = Trimestral
Incremento = S/. 300.00
Periodo= 5
TEC = 2.5% Cuatrimestres
TET = (E) 1.8692008%
Factor = 1.018692008
Cuota= S/. 527.49
 Fondo Acumulado

Depsito Inters Adic.Fond. Fondo Acumulado

Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0
1 S/. 26,218.48 S/. - S/. 26,218.48 S/. 26,218.48
2 S/. 1,528.55 S/. 1,528.55 S/. 27,747.03
3 S/. 26,218.48 S/. 1,617.67 S/. 27,836.15 S/. 55,583.17
4 S/. 3,240.53 S/. 3,240.53 S/. 58,823.70
5 S/. 26,218.48 S/. 1,411.77 S/. 27,630.25 S/. 86,453.95
6 S/. 26,218.48 S/. 2,074.89 S/. 28,293.37 S/. 114,747.32
D-1 es el saldo del periodo anterior

Capital= S/. 145,000.00 S/. 114,747.32 S/. 30,252.68

Periodicidad = Trimestral
Depsito = S/. 23,000.00
Periodo 1 = 4
Periodo 2 = 2
TES = 12.0% Cuatrimestres
TET 1 = (E) 5.8300524%
TET 2 = (E) 2.4000000%
Factor 1 = 1.058300524
Factor 2 = 1.024000000
Cuota= S/. 26,218.48
 Fondo Acumulado

Depsito Inters Adic.Fond. Fondo Acumulado

Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0
1 S/. 12,308.21 S/. - S/. 12,308.21 S/. 12,308.21
2 S/. 13,292.87 S/. 195.38 S/. 13,488.25 S/. 25,796.46
3 S/. 14,356.30 S/. 409.49 S/. 14,765.79 S/. 40,562.25
4 S/. 15,504.80 S/. 643.89 S/. 16,148.69 S/. 56,710.94
5 S/. 16,745.19 S/. 900.23 S/. 17,645.42 S/. 74,356.35
6 S/. 18,084.80 S/. 1,180.33 S/. 19,265.13 S/. 93,621.49
D-1 es el saldo del periodo anterior

Capital= S/. 120,000.00

Periodicidad = Bimestral
Depsito = S/. 24,000.00 S/. 26,378.51
Periodo 1 = 6
Gradiente = 8%
TEC = 3.2% bimestres
TEB = (E) 1.5874008%
Cuota= S/. 12,308.21
Comprobacin = S/. 120,000.00
 Fondo Acumulado

Depsito Inters Adic.Fond. Fondo Acumulado

Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0
1 S/. 274.55 S/. - S/. 274.55 S/. 274.55
2 S/. 624.55 S/. 9.57 S/. 634.12 S/. 908.67
3 S/. 974.55 S/. 31.66 S/. 1,006.22 S/. 1,914.88
4 S/. 1,324.55 S/. 66.73 S/. 1,391.28 S/. 3,306.16
5 S/. 1,674.55 S/. 115.21 S/. 1,789.76 S/. 5,095.92
6 S/. 2,024.55 S/. 177.57 S/. 2,202.13 S/. 7,298.05
D-1 es el saldo del periodo anterior

Hoy Futuro

Capital= S/. 10,000.00 S/. 7,298.05

Periodicidad = Cuatrimestral
Depsito = S/. 2,200.00 S/. 2,701.95
Periodo 1 = 6
Gradiente = S/. 350.00
TEM = 0.86% bimestres
TEC = (E) 3.4846310%
Cuota= S/. 274.55
Comprobacin = S/. 10,000.00
 Fondo Acumulado

Depsito Inters Adic.Fond. Fondo Acumulado

Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0
1 S/. 18,542.90 S/. - S/. 18,542.90 S/. 18,542.90
2 S/. 18,542.90 S/. 388.05 S/. 18,930.96 S/. 37,473.86
3 S/. 18,542.90 S/. 784.23 S/. 19,327.13 S/. 56,800.99
4 S/. 18,542.90 S/. 1,188.69 S/. 19,731.60 S/. 76,532.59
5 S/. 18,542.90 S/. 1,601.62 S/. 20,144.53 S/. 96,677.12
0 S/. 96,677.12
1 S/. 44,383.18 S/. 4,445.02 S/. 48,828.20 S/. 145,505.31
2 S/. 44,383.18 S/. 6,690.04 S/. 51,073.22 S/. 196,578.54
3 S/. 44,383.18 S/. 9,038.28 S/. 53,421.46 S/. 250,000.00
D-1 es el saldo del periodo anterior

Capital= S/. 250,000.00

Periodicidad = Trimestral
Periodo= 12 Trimestres
TET = (E) 2.0927%
Cuota= S/. 18,542.90
Acumulado al ao = S/. 110,634.69
Falta acumular al 3 ao = S/. 139,365.31
Capital= S/. 139,365.31
Periodicidad = Cuatrimestres
Periodo= 3 cuatrimestres
TNS c.45 = 6.8%
TEA = (E) 4.5978%
Cuota= S/. 44,383.18

Comprobacin = S/. 250,000.00

 Fondo Acumulado

Depsito Inters Adic.Fond. Fondo Acumulado

Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0
1 S/. 545.03 S/. - S/. 545.03 S/. 545.03
2 S/. 545.03 S/. 20.07 S/. 565.09 S/. 1,110.12
3 S/. 450.00 S/. 40.88 S/. 490.88 S/. 1,601.00
4 S/. 1,090.05 S/. 58.95 S/. 1,149.00 S/. 2,750.00
D-1 es el saldo del periodo anterior

Ahorro = S/. 2,750.00

Periodicidad = Trimestral
Periodo= 4 Trimestres
TES = 7.5%
TET = (E) 3.6822068%
Factor = 1.036822068
Tercera cuota = S/. 450.00
Cuota= S/. 545.03
 Fondo Acumulado

Depsito Inters Adic.Fond. Fondo Acumulado

Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 S/. 5,000.00
1 S/. 1,836.14 S/. 39.87 S/. 1,876.01 S/. 6,876.01
2 S/. 2,336.14 S/. 54.83 S/. 2,390.97 S/. 9,266.98
3 S/. 1,836.14 S/. 73.90 S/. 1,910.03 S/. 11,177.01
4 S/. 1,836.14 S/. 130.27 S/. 1,966.41 S/. 13,143.42
5 S/. 2,636.14 S/. 153.19 S/. 2,789.33 S/. 15,932.75
6 S/. 1,836.14 S/. 185.70 S/. 2,021.84 S/. 17,954.59
7 S/. 1,836.14 S/. 209.27 S/. 2,045.41 S/. 20,000.00
D-1 es el saldo del periodo anterior

Ahorro = S/. 20,000.00

Periodicidad = Mensual
Depsito = S/. 5,000.00
Periodo 1 = 3 Meses
Periodo 2 = 4 Meses
TEA = 10.0%
TNS c.35 = 7.0%
TET 1 = (E) 0.7974140%
TET 2 = (E) 1.1655382%
Factor 1 = 1.007974140
Factor 2 = 1.011655382
Cuota= S/. 1,836.14
Cuota= S/. 1,836.14
 Fondo Acumulado

Depsito Inters Adic.Fond. Fondo Acumulado

Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 S/. 4,500.00 S/. 4,500.00
1 S/. 28.95 S/. 28.95 S/. 4,528.95
2 S/. 5,500.00 S/. 29.14 S/. 5,529.14 S/. 10,058.09
3 S/. - S/. 64.71 S/. 64.71 S/. 10,122.81
4 S/. - S/. 84.36 S/. 84.36 S/. 10,207.16
5 S/. 85.06 S/. 85.06 S/. 10,292.22
6 S/. 85.77 S/. 85.77 S/. 10,377.99
D-1 es el saldo del periodo anterior

Ahorro = S/. 15,000.00

Periodicidad = Mensual
Depsito 1 = S/. 4,500.00
Depsito 2 = S/. 5,500.00
Periodo 1 = 3 Meses
Periodo 2 = 3 Meses
TEA = 8.0%
TNS c.m. = 5.0%
TET 1 = (E) 0.6434030%
TET 2 = (E) 0.8333333%
Factor 1 = 1.006434030
Factor 2 = 1.008333333
Cuota= S/. 2,263.53
 Fondo Acumulado

Depsito Inters Adic.Fond. Fondo Acumulado

Periodo
A B C D
E*(D-1) A+B C+(D-1)
0 0
1 S/. 20,727.50 S/. - S/. 20,727.50 S/. 20,727.50
2 S/. 20,727.50 S/. 666.69 S/. 21,394.19 S/. 42,121.69
3 S/. 20,727.50 S/. 1,354.83 S/. 22,082.33 S/. 64,204.02
4 S/. 20,727.50 S/. 2,065.10 S/. 22,792.60 S/. 86,996.62
5 S/. 20,727.50 S/. 2,798.21 S/. 23,525.71 S/. 110,522.33
6 S/. 20,727.50 S/. 3,554.91 S/. 24,282.41 S/. 134,804.74
0 S/. 134,804.74
1 S/. 7,904.83 S/. 7,377.73 S/. 15,282.56 S/. 150,087.30
2 S/. 7,904.83 S/. 8,214.13 S/. 16,118.96 S/. 166,206.26
3 S/. 7,904.83 S/. 9,096.30 S/. 17,001.13 S/. 183,207.39
4 S/. 7,904.83 S/. 10,026.76 S/. 17,931.59 S/. 201,138.98
5 S/. 7,904.83 S/. 11,008.14 S/. 18,912.97 S/. 220,051.95
6 S/. 7,904.83 S/. 12,043.22 S/. 19,948.05 S/. 240,000.00
D-1 es el saldo del periodo anterior

Capital= S/. 240,000.00

Periodicidad = trimestral
Periodo= 10 trimestres
TEA = 13.5%
TET (E) = 3.2165%
Cuota= S/. 20,727.50
Acumulado al 3 ao = S/. 185,588.26
Falta acumular al 3 ao = S/. 54,411.74
Capital= S/. 323,000.00
Periodicidad = Semestral
Periodo= 6 semestres
TNS c.t. = 5.4%
TES = (E) 5.4729%
Cuota= S/. 7,904.83

Comprobacin = S/. 240,000.00

 Fondo Amortizacin
Cuota Inters Amortizacin Saldo
Periodo A B C D
E*(D-1) A-B (D-1)-C
0 S/. 240,000.00
1 S/. 60,363.25 S/. 19,584.00 S/. 40,779.25 S/. 199,220.75
2 S/. 60,363.25 S/. 16,256.41 S/. 44,106.83 S/. 155,113.92
3 S/. 60,363.25 S/. 12,657.30 S/. 47,705.95 S/. 107,407.97
4 S/. 60,363.25 S/. 8,764.49 S/. 51,598.76 S/. 55,809.21
5 S/. 60,363.25 S/. 4,554.03 S/. 55,809.21 S/. -
S/. 301,816.23

Fondo Amortizacin
Cuota Inters Amortizacin Saldo
Periodo A B C D
E*(D-1) A-B (D-1)-C
0 S/. 240,000.00
1 S/. 39,458.06 S/. 15,123.50 S/. 24,334.56 S/. 215,665.44
2 S/. 47,349.67 S/. 13,590.07 S/. 33,759.60 S/. 181,905.84
3 S/. 56,819.61 S/. 11,462.72 S/. 45,356.89 S/. 136,548.95
4 S/. 68,183.53 S/. 8,604.57 S/. 59,578.95 S/. 76,970.00
5 S/. 81,820.23 S/. 4,850.23 S/. 76,970.00 S/. -
S/. 293,631.09
D-1 es el saldo del periodo anterior

Prstamo = S/. 240,000.00

Periodo= 5 semestres
TNA ct = 16%
TES(E)= 8.16%
Cuota (A) = S/. 60,363.25

D-1 es el saldo del periodo anterior

Prstamo = S/. 240,000.00

Periodo= 5 semestres
G= 20%
TEA = 13%
TES(E)= 6.3014581%
FACTOR1= 1.06
FACTOR2= 1.20
Cuota (A) = S/. 39,458.06
 Fondo Amortizacin
Cuota Inters Amortizacin Saldo
Periodo A B C D
E*(D-1) A-B (D-1)-C
0 S/. 99,925.89
1 S/. 4,660.06 S/. 104,585.94 GT
2 S/. 4,877.38 S/. 109,463.32 GT
3 S/. 30,000.00 S/. 4,137.93 S/. 25,862.07 S/. 83,601.26
4 S/. 30,000.00 S/. 3,160.29 S/. 26,839.71 S/. 56,761.55
5 S/. 30,000.00 S/. 2,145.70 S/. 27,854.30 S/. 28,907.25
6 S/. 30,000.00 S/. 1,092.75 S/. 28,907.25 S/. -
D-1 es el saldo del periodo anterior

Prstamo = S/. 99,925.89

Periodo= 6 Trimestres
TEA 1 = 20%
TEA 2 = 16%
TET (E) = 4.6635139%
TET (E) = 3.7801986%
Cuota = S/. 30,000.00
VA = S/. 99,925.89
 Fondo Amortizacin
Cuota Inters Amortizacin Saldo
Periodo A B C D
E*(D-1) A-B (D-1)-C
0 S/. 266,730.75
1 S/. 67,811.28 S/. 25,458.15 S/. 42,353.14 S/. 224,377.62
2 S/. 77,982.98 S/. 21,415.75 S/. 56,567.23 S/. 167,810.39
3 S/. 89,680.42 S/. 16,016.68 S/. 73,663.74 S/. 94,146.65
4 S/. 103,132.49 S/. 8,985.84 S/. 94,146.65 S/. 0.00
D-1 es el saldo del periodo anterior

Deuda = S/. 200,000.00

Pago = S/. 230,000.00
Tiempo= 330 das
TEA = 16.4704694% Compensatoria
TEA = 6.5881877674285100% Moratoria
Tiempo = 96 das
Deuda = S/. 243,490.75
Gradiente = 15%
TEA = 20%
TES = 9.54451%
Deuda = S/. 266,730.75
Factor 1 = 1.0954451150
Factor 2 = 1.15
Cuota (A) = S/. 67,811.28