PROBLEMA 2

Un banco otorga un préstamo de 110,200 soles a la tasa efectiva anual de 20% cuyo, periodo de
pago es de 12 meses incluido 3 meses de periodo de gracia .Preparar el cuadro de cuotas
decrecientes para:
a.- con pago de intereses durante el periodo de gracia
b.- sin pago de intereses durante el periodo de gracia (ajustar el principal)

Prestamo: S/. 110,200

TEA: 20%
Periodo de pago: 12 meses
Periodo de gracia: 3 meses

periodos Saldo inicial Cuotas Interes Capital saldo

0 S/. 110,200
1 S/. 110,200 S/. 1,836.67 S/. 8,371.66 S/. 101,828.34
2 S/. 101,828.34 S/. 1,697.14 S/. 8,511.18 S/. 93,317.16
3 S/. 93,317.16 S/. 1,555.29 S/. 8,653.04 S/. 84,664.12
4 S/. 84,664.12 S/. 1,411.07 S/. 8,797.25 S/. 75,866.87
5 S/. 75,866.87 S/. 1,264.45 S/. 8,943.87 S/. 66,923.00
6 S/. 66,923.00 S/. 1,115.38 S/. 9,092.94 S/. 57,830.06
7 S/. 57,830.06 S/. 963.83 S/. 9,244.49 S/. 48,585.57
8 S/. 48,585.57 S/. 809.76 S/. 9,398.56 S/. 39,187.00
9 S/. 39,187.00 S/. 653.12 S/. 9,555.21 S/. 29,631.80
10 S/. 29,631.80 S/. 493.86 S/. 9,714.46 S/. 19,917.34
11 S/. 19,917.34 S/. 331.96 S/. 9,876.37 S/. 10,040.97
12 S/. 10,040.97 S/. 167.35 S/. 10,040.97 S/. 0.00