Financia Mien To
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Transcript of Financia Mien To
1.1 FINANCIAMIENTO
Nuestro proyecto requiere de un financiamiento para implementar las
necesidades del mismo, debido a que el capital del inversionista no es
suficiente para cubrir el total del costo del proyecto es por ello que se va a
recurrir a un préstamo de una entidad bancaria INTERBANK, la cual nos
cobrara una tasa de interés anual del 16%, siendo esta un monto
económico, en la cual tendremos un periodo de pago de 35 años, el que
estará constituido por el pago de 140 cuotas trimestral, en la que la cuota
trimestral será de s/. 65,178.68 y en dólares $ 23,278.10.
CUOTA MENSUAL
CUOTA TRIMESTRAL
TOTAL DE PRÉSTAMO
SOLES s/. 21,726.23 s/. 65,178.68 s/. 1’714,650.98
DÓLARES
$ 7,759.37 $ 23278.1 $ 612,375.35
FUENTE: Elaboración Propia.
1.2 PROGRAMA DE FINANCIAMIENTO
PROGRAMA DE FINANCIAMIENTOPrimer mes Cubierto por el capital del inversionista -------
Segundo mesS/. 900,000.00
$ 321,428.57
Tercer mes ------- ------- Cuarto mes ------- -------
Quinto mes S/. 373,643.40
$ 133,444.07
Sexto mesS/. 441,007.58
$ 157,502.71
TOTALS/. 1,714,650.98
$ 612,375.35
Fuente: Elaboración Propia
1.3 CALCULO DEL PAGO DEL PRÉSTAMO
PRÉSTAMO 1714650.98TEA 16%
PERIODO DE PAGO 35 añosFuente: Elaboración Propia
1.3.1 TASA EFECTIVA TRIMESTRAL ( TET )
1.3.2 CALCULO DE LA CUOTA CONSTANTE ( R )
1.3.3 CALCULO DEL SERVICIO DE LA DEUDA
DATOS
PRÉSTAMO S/. 1,714,650.98
TEA 16%PERIODO DE PAGO 140TET 0.037801986
CUOTA FIJA ® S/. 65,178.68
Fuente: Elaboración Propia
PERIODO TRIMESTRE
SALDO DEL
PRÉSTAMO
SERVICIO DE LA DEUDA
INTERÉS AMORTIZACIÓ
N CUOTA
0 S/.
1,714,650.98 S/. -
S/. - S/. -
1 S/. 1,714,289.51
S/. 64,817.21 S/. 361.47
S/. 65,178.68
2 S/. 1,713,914.37
S/. 64,803.55 S/. 375.14
S/. 65,178.68
3 S/. 1,713,525.05
S/. 64,789.37 S/. 389.32
S/. 65,178.68
4 S/. 1,713,121.02
S/. 64,774.65 S/. 404.03
S/. 65,178.68
5 S/. 1,712,701.71
S/. 64,759.38 S/. 419.31
S/. 65,178.68
6 S/. 1,712,266.55
S/. 64,743.53 S/. 435.16
S/. 65,178.68
7 S/. 1,711,814.94
S/. 64,727.08 S/. 451.61
S/. 65,178.68
8 S/. 1,711,346.26
S/. 64,710.00 S/. 468.68
S/. 65,178.68
9 S/. 1,710,859.86
S/. 64,692.29 S/. 486.40
S/. 65,178.68
10 S/. 1,710,355.08
S/. 64,673.90 S/. 504.78
S/. 65,178.68
11 S/. 1,709,831.21
S/. 64,654.82 S/. 523.87
S/. 65,178.68
12 S/. 1,709,287.55
S/. 64,635.02 S/. 543.67
S/. 65,178.68
13 S/. 1,708,723.32
S/. 64,614.46 S/. 564.22
S/. 65,178.68
14 S/. 1,708,137.77
S/. 64,593.14 S/. 585.55
S/. 65,178.68
15 S/. 1,707,530.09
S/. 64,571.00 S/. 607.68
S/. 65,178.68
16 S/. 1,706,899.43
S/. 64,548.03 S/. 630.66
S/. 65,178.68
17 S/. 1,706,244.94
S/. 64,524.19 S/. 654.50
S/. 65,178.68
18 S/. 1,705,565.70
S/. 64,499.45 S/. 679.24
S/. 65,178.68
19 S/. 1,704,860.79
S/. 64,473.77 S/. 704.91
S/. 65,178.68
20 S/. 1,704,129.22
S/. 64,447.12 S/. 731.56
S/. 65,178.68
21 S/. 1,703,370.01
S/. 64,419.47 S/. 759.22
S/. 65,178.68
22 S/. 1,702,582.09
S/. 64,390.77 S/. 787.92
S/. 65,178.68
23 S/. 1,701,764.39
S/. 64,360.98 S/. 817.70
S/. 65,178.68
24 S/. 1,700,915.78
S/. 64,330.07 S/. 848.61
S/. 65,178.68
25 S/. 1,700,035.09
S/. 64,297.99 S/. 880.69
S/. 65,178.68
26 S/. 1,699,121.11
S/. 64,264.70 S/. 913.98
S/. 65,178.68
27 S/. 1,698,172.58
S/. 64,230.15 S/. 948.53
S/. 65,178.68
28 S/. 1,697,188.19
S/. 64,194.30 S/. 984.39
S/. 65,178.68
29 S/. 1,696,166.59
S/. 64,157.08 S/. 1,021.60
S/. 65,178.68
30 S/. 1,695,106.37
S/. 64,118.47 S/. 1,060.22
S/. 65,178.68
31 S/. 1,694,006.07
S/. 64,078.39 S/. 1,100.30
S/. 65,178.68
32 S/. 1,692,864.18
S/. 64,036.79 S/. 1,141.89
S/. 65,178.68
33 S/. 1,691,679.12
S/. 63,993.63 S/. 1,185.06
S/. 65,178.68
34 S/. 1,690,449.27
S/. 63,948.83 S/. 1,229.85
S/. 65,178.68
35 S/. 1,689,172.92
S/. 63,902.34 S/. 1,276.35
S/. 65,178.68
36 S/. 1,687,848.33
S/. 63,854.09 S/. 1,324.59
S/. 65,178.68
37 S/. 1,686,473.66
S/. 63,804.02 S/. 1,374.67
S/. 65,178.68
38 S/. 1,685,047.03
S/. 63,752.05 S/. 1,426.63
S/. 65,178.68
39 S/. 1,683,566.47
S/. 63,698.12 S/. 1,480.56
S/. 65,178.68
40 S/. 1,682,029.94
S/. 63,642.16 S/. 1,536.53
S/. 65,178.68
41 S/. 1,680,435.33
S/. 63,584.07 S/. 1,594.61
S/. 65,178.68
42 S/. 1,678,780.44
S/. 63,523.79 S/. 1,654.89
S/. 65,178.68
43 S/. S/. S/. 1,717.45 S/.
1,677,062.99 63,461.23 65,178.68
44 S/. 1,675,280.62
S/. 63,396.31 S/. 1,782.37
S/. 65,178.68
45 S/. 1,673,430.87
S/. 63,328.93 S/. 1,849.75
S/. 65,178.68
46 S/. 1,671,511.19
S/. 63,259.01 S/. 1,919.67
S/. 65,178.68
47 S/. 1,669,518.95
S/. 63,186.44 S/. 1,992.24
S/. 65,178.68
48 S/. 1,667,451.40
S/. 63,111.13 S/. 2,067.55
S/. 65,178.68
49 S/. 1,665,305.69
S/. 63,032.97 S/. 2,145.71
S/. 65,178.68
50 S/. 1,663,078.86
S/. 62,951.86 S/. 2,226.82
S/. 65,178.68
51 S/. 1,660,767.86
S/. 62,867.68 S/. 2,311.00
S/. 65,178.68
52 S/. 1,658,369.50
S/. 62,780.32 S/. 2,398.36
S/. 65,178.68
53 S/. 1,655,880.48
S/. 62,689.66 S/. 2,489.02
S/. 65,178.68
54 S/. 1,653,297.36
S/. 62,595.57 S/. 2,583.11
S/. 65,178.68
55 S/. 1,650,616.60
S/. 62,497.92 S/. 2,680.76
S/. 65,178.68
56 S/. 1,647,834.50
S/. 62,396.59 S/. 2,782.10
S/. 65,178.68
57 S/. 1,644,947.23
S/. 62,291.42 S/. 2,887.27
S/. 65,178.68
58 S/. 1,641,950.82
S/. 62,182.27 S/. 2,996.41
S/. 65,178.68
59 S/. 1,638,841.14
S/. 62,069.00 S/. 3,109.68
S/. 65,178.68
60 S/. 1,635,613.90
S/. 61,951.45 S/. 3,227.24
S/. 65,178.68
61 S/. 1,632,264.67
S/. 61,829.45 S/. 3,349.23
S/. 65,178.68
62 S/. 1,628,788.83
S/. 61,702.85 S/. 3,475.84
S/. 65,178.68
63 S/. 1,625,181.60
S/. 61,571.45 S/. 3,607.23
S/. 65,178.68
64 S/. 1,621,438.01
S/. 61,435.09 S/. 3,743.59
S/. 65,178.68
65 S/. 1,617,552.90
S/. 61,293.58 S/. 3,885.11
S/. 65,178.68
66 S/. 1,613,520.93
S/. 61,146.71 S/. 4,031.97
S/. 65,178.68
67 S/. 1,609,336.54
S/. 60,994.30 S/. 4,184.39
S/. 65,178.68
68 S/. 1,604,993.97
S/. 60,836.12 S/. 4,342.57
S/. 65,178.68
69 S/. 1,600,487.25
S/. 60,671.96 S/. 4,506.73
S/. 65,178.68
70 S/. 1,595,810.16
S/. 60,501.60 S/. 4,677.09
S/. 65,178.68
71 S/. 1,590,956.27
S/. 60,324.79 S/. 4,853.89
S/. 65,178.68
72 S/. 1,585,918.89
S/. 60,141.31 S/. 5,037.38
S/. 65,178.68
73 S/. 1,580,691.09
S/. 59,950.88 S/. 5,227.80
S/. 65,178.68
74 S/. 1,575,265.66
S/. 59,753.26 S/. 5,425.42
S/. 65,178.68
75 S/. 1,569,635.15
S/. 59,548.17 S/. 5,630.51
S/. 65,178.68
76 S/. 1,563,791.79
S/. 59,335.33 S/. 5,843.36
S/. 65,178.68
77 S/. 1,557,727.54
S/. 59,114.44 S/. 6,064.25
S/. 65,178.68
78 S/. 1,551,434.05
S/. 58,885.19 S/. 6,293.49
S/. 65,178.68
79 S/. 1,544,902.66
S/. 58,647.29 S/. 6,531.40
S/. 65,178.68
80 S/. 1,538,124.36
S/. 58,400.39 S/. 6,778.30
S/. 65,178.68
81 S/. 1,531,089.83
S/. 58,144.16 S/. 7,034.53
S/. 65,178.68
82 S/. 1,523,789.38
S/. 57,878.24 S/. 7,300.45
S/. 65,178.68
83 S/. 1,516,212.96
S/. 57,602.26 S/. 7,576.42
S/. 65,178.68
84 S/. 1,508,350.14
S/. 57,315.86 S/. 7,862.82
S/. 65,178.68
85 S/. 1,500,190.08
S/. 57,018.63 S/. 8,160.05
S/. 65,178.68
86 S/. 1,491,721.56
S/. 56,710.16 S/. 8,468.52
S/. 65,178.68
87 S/. 1,482,932.92
S/. 56,390.04 S/. 8,788.65
S/. 65,178.68
88 S/. 1,473,812.04
S/. 56,057.81 S/. 9,120.88
S/. 65,178.68
89 S/. 1,464,346.38
S/. 55,713.02 S/. 9,465.66
S/. 65,178.68
90 S/. 1,454,522.89
S/. 55,355.20 S/. 9,823.48
S/. 65,178.68
91 S/. 1,444,328.06
S/. 54,983.85 S/. 10,194.83
S/. 65,178.68
92 S/. S/. S/. 10,580.22 S/.
1,433,747.85 54,598.47 65,178.68
93 S/. 1,422,767.68
S/. 54,198.52 S/. 10,980.17
S/. 65,178.68
94 S/. 1,411,372.44
S/. 53,783.44 S/. 11,395.24
S/. 65,178.68
95 S/. 1,399,546.43
S/. 53,352.68 S/. 11,826.00
S/. 65,178.68
96 S/. 1,387,273.38
S/. 52,905.63 S/. 12,273.05
S/. 65,178.68
97 S/. 1,374,536.39
S/. 52,441.69 S/. 12,737.00
S/. 65,178.68
98 S/. 1,361,317.91
S/. 51,960.21 S/. 13,218.48
S/. 65,178.68
99 S/. 1,347,599.74
S/. 51,460.52 S/. 13,718.16
S/. 65,178.68
100 S/. 1,333,363.01
S/. 50,941.95 S/. 14,236.74
S/. 65,178.68
101 S/. 1,318,588.09
S/. 50,403.77 S/. 14,774.92
S/. 65,178.68
102 S/. 1,303,254.65
S/. 49,845.25 S/. 15,333.44
S/. 65,178.68
103 S/. 1,287,341.58
S/. 49,265.61 S/. 15,913.07
S/. 65,178.68
104 S/. 1,270,826.97
S/. 48,664.07 S/. 16,514.62
S/. 65,178.68
105 S/. 1,253,688.07
S/. 48,039.78 S/. 17,138.90
S/. 65,178.68
106 S/. 1,235,901.28
S/. 47,391.90 S/. 17,786.79
S/. 65,178.68
107 S/. 1,217,442.12
S/. 46,719.52 S/. 18,459.16
S/. 65,178.68
108 S/. 1,198,285.16
S/. 46,021.73 S/. 19,156.95
S/. 65,178.68
109 S/. 1,178,404.04
S/. 45,297.56 S/. 19,881.13
S/. 65,178.68
110 S/. 1,157,771.37
S/. 44,546.01 S/. 20,632.67
S/. 65,178.68
111 S/. 1,136,358.74
S/. 43,766.06 S/. 21,412.63
S/. 65,178.68
112 S/. 1,114,136.67
S/. 42,956.62 S/. 22,222.07
S/. 65,178.68
113 S/. 1,091,074.56
S/. 42,116.58 S/. 23,062.11
S/. 65,178.68
114 S/. 1,067,140.66
S/. 41,244.79 S/. 23,933.90
S/. 65,178.68
115 S/. 1,042,302.02
S/. 40,340.04 S/. 24,838.65
S/. 65,178.68
116 S/. 1,016,524.42
S/. 39,401.09 S/. 25,777.60
S/. 65,178.68
117 S/. 989,772.37
S/. 38,426.64 S/. 26,752.04
S/. 65,178.68
118 S/. 962,009.05
S/. 37,415.36 S/. 27,763.32
S/. 65,178.68
119 S/. 933,196.22
S/. 36,365.85 S/. 28,812.83
S/. 65,178.68
120 S/. 903,294.20
S/. 35,276.67 S/. 29,902.01
S/. 65,178.68
121 S/. 872,261.83
S/. 34,146.31 S/. 31,032.37
S/. 65,178.68
122 S/. 840,056.38
S/. 32,973.23 S/. 32,205.46
S/. 65,178.68
123 S/. 806,633.49
S/. 31,755.80 S/. 33,422.89
S/. 65,178.68
124 S/. 771,947.16
S/. 30,492.35 S/. 34,686.34
S/. 65,178.68
125 S/. 735,949.61
S/. 29,181.14 S/. 35,997.55
S/. 65,178.68
126 S/. 698,591.28
S/. 27,820.36 S/. 37,358.33
S/. 65,178.68
127 S/. 659,820.73
S/. 26,408.14 S/. 38,770.55
S/. 65,178.68
128 S/. 619,584.58
S/. 24,942.53 S/. 40,236.15
S/. 65,178.68
129 S/. 577,827.43
S/. 23,421.53 S/. 41,757.16
S/. 65,178.68
130 S/. 534,491.77
S/. 21,843.02 S/. 43,335.66
S/. 65,178.68
131 S/. 489,517.93
S/. 20,204.85 S/. 44,973.83
S/. 65,178.68
132 S/. 442,844.00
S/. 18,504.75 S/. 46,673.93
S/. 65,178.68
133 S/. 394,405.69
S/. 16,740.38 S/. 48,438.30
S/. 65,178.68
134 S/. 344,136.33
S/. 14,909.32 S/. 50,269.37
S/. 65,178.68
135 S/. 291,966.68
S/. 13,009.04 S/. 52,169.65
S/. 65,178.68
136 S/. 237,824.91
S/. 11,036.92 S/. 54,141.76
S/. 65,178.68
137 S/. 181,636.48
S/. 8,990.25 S/. 56,188.43
S/. 65,178.68
138 S/. 123,324.02
S/. 6,866.22 S/. 58,312.47
S/. 65,178.68
139 S/. 62,807.23
S/. 4,661.89 S/. 60,516.79
S/. 65,178.68
140 S/. 2.78
S/. 2,374.24 S/. 62,804.45
S/. 65,178.68