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¿Qué es Amortización? Entidad Bancaria Créditos a Microempresas Créditos de Consumo Créditos Hipotecarios Mi Banco59%55%11% Banco Interbank 55%32%11.25%

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Presentación del tema: "¿Qué es Amortización? Entidad Bancaria Créditos a Microempresas Créditos de Consumo Créditos Hipotecarios Mi Banco59%55%11% Banco Interbank 55%32%11.25%"— Transcripción de la presentación:

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3 ¿Qué es Amortización?

4 Entidad Bancaria Créditos a Microempresas Créditos de Consumo Créditos Hipotecarios Mi Banco59%55%11% Banco Interbank 55%32%11.25% TASA DE INTERÉS EFECTIVA ANUAL (TEA) Fuente: Superintendencia de Banca y Seguro (SBS) Elaboración Propia.

5 Sistema de Amortización FLAT Periodo (n) Cuota (Rk) Interés ( I k) Capital (Ck) Deuda Extinguida (Ek) Saldo Insoluto (Dk) 0 ---- 1 2 3 4 5 580,00 500 80 500 1000 1500 2000 2500 2000 1500 1000 500 0 TOTAL2 900,00400,002 500 Ck= 2500 5 I k= 0.032*2500 Rk= 80 + 500

6 Periodo (n) Cuota (Rk) Interés ( I k) Capital (Ck) Deuda Extinguida (Ek) Saldo Insoluto (Dk) 0 ---- 1 2 3 4 5 549,01 469,01 484,02 499,50 515,49 531,98 80,00 64,99 49,50 33,52 17,02 469,01 953,02 1452,53 1968,02 2500,00 2030,99 1546,98 1047,47 531,98 0,00 TOTAL2 745,04245,042 500,00 Ck= 549,01 - 80 I k= 0.032*2500 Rk = 2500*0.032/[1 - (1+0.032) -5 ]

7 Flat2 900,00400,002 500 A Rebatir2 745,04245,042 500

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10 PeriodoCuotaInterésCapital Saldo / Deuda 0 --- S/. 3,000.00 1 S/. 396.00S/. 96.00S/. 300.00 S/. 2,700.00 2 S/. 396.00S/. 96.00S/. 300.00 S/. 2,400.00 3 S/. 396.00S/. 96.00S/. 300.00 S/. 2,100.00 4 S/. 396.00S/. 96.00S/. 300.00 S/. 1,800.00 5 S/. 396.00S/. 96.00S/. 300.00 S/. 1,500.00 6 S/. 396.00S/. 96.00S/. 300.00 S/. 1,200.00 7 S/. 396.00S/. 96.00S/. 300.00 S/. 900.00 8 S/. 396.00S/. 96.00S/. 300.00 S/. 600.00 9 S/. 396.00S/. 96.00S/. 300.00 10 S/. 396.00S/. 96.00S/. 300.00 S/. - Total S/. 3,960.00 S/. 960.00 S/. 3,000.00

11 PeriodoCuotaInterésCapital Saldo / Deuda 0 --- S/. 3,000.00 1 S/. 396.00S/. 96.00S/. 300.00 S/. 2,700.00 2 S/. 386.40S/. 86.40S/. 300.00 S/. 2,400.00 3 S/. 376.80S/. 76.80S/. 300.00 S/. 2,100.00 4 S/. 367.20S/. 67.20S/. 300.00 S/. 1,800.00 5 S/. 357.60S/. 57.60S/. 300.00 S/. 1,500.00 6 S/. 348.00S/. 48.00S/. 300.00 S/. 1,200.00 7 S/. 338.40S/. 38.40S/. 300.00 S/. 900.00 8 S/. 328.80S/. 28.80S/. 300.00 S/. 600.00 9 S/. 319.20S/. 19.20S/. 300.00 10 S/. 309.60S/. 9.60S/. 300.00 S/. - Total S/. 3,528.00 S/. 528.00 S/. 3,000.00

12 Periodo FactorCuotaInterésCapital Saldo / Deuda 0 --- S/. 3,000.00 11/570.02 S/. 150.55S/. 96.00S/. 54.55 S/. 2,945.45 22/570.04 S/. 203.35S/. 94.25S/. 109.09 S/. 2,836.36 33/570.05 S/. 254.40S/. 90.76S/. 163.64 S/. 2,672.73 44/570.07 S/. 303.71S/. 85.53S/. 218.18 S/. 2,454.55 55/570.09 S/. 351.27S/. 78.55S/. 272.73 S/. 2,181.82 66/570.11 S/. 397.09S/. 69.82S/. 327.27 S/. 1,854.55 77/570.13 S/. 441.16S/. 59.35S/. 381.82 S/. 1,472.73 88/570.15 S/. 483.49S/. 47.13S/. 436.36 S/. 1,036.36 99/570.16 S/. 524.07S/. 33.16S/. 490.91 S/. 545.45 1010/570.18 S/. 562.91S/. 17.45S/. 545.45 S/. - Total S/. 3,672.00 S/. 672.00 S/. 3,000.00


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