Sistemas de Amortización
¿Qué es Amortización? Extinción gradual de cualquier deuda durante un periodo de tiempo.
TASA DE INTERÉS EFECTIVA ANUAL (TEA) Entidad Bancaria Créditos a Microempresas Créditos de Consumo Créditos Hipotecarios Caja Municipal del Cusco 51.11% 45.93% 12.95% Mi Banco 59% 55% 11% Banco Interbank 32% 11.25% Fuente: Superintendencia de Banca y Seguro (SBS) Elaboración Propia.
SISTEMA DE AMORTIZACIÓN FLAT CRÉDITO DE CONSUMO TEA 45.93% TEM 3.20% Préstamo: S/. 2 500.00 Tiempo: 5 meses SISTEMA DE AMORTIZACIÓN FLAT Periodo (n) Cuota (Rk) Interés (Ik) Capital (Ck) Deuda Extinguida (Ek) Saldo Insoluto (Dk) - S/. 2 500 1 2 3 4 5 Rk= 80 + 500 Ik= 0.032*2500 Ck= 2500 5 580,00 80 500 500 1000 1500 2000 2500 2000 1500 1000 500 Sistema de Amortización FLAT TOTAL 2 900,00 400,00 2 500
SISTEMA DE AMORTIZACIÓN A REBATIR CRÉDITO DE CONSUMO TEA 45.93% TEM 3.20% Préstamo: S/. 2 500.00 Tiempo: 5 meses SISTEMA DE AMORTIZACIÓN A REBATIR Periodo (n) Cuota (Rk) Interés (Ik) Capital (Ck) Deuda Extinguida (Ek) Saldo Insoluto (Dk) - S/. 2 500 1 2 3 4 5 Ik= 0.032*2500 Rk = 2500*0.032/[1 - (1+0.032)-5] Ck= 549,01 - 80 549,01 80,00 64,99 49,50 33,52 17,02 469,01 484,02 499,50 515,49 531,98 469,01 953,02 1452,53 1968,02 2500,00 2030,99 1546,98 1047,47 531,98 0,00 TOTAL 2 745,04 245,04 2 500,00
COMPARACIÓN DE LOS SISTEMAS DE AMORTIZACIÓN Total Pagado Interés Generado Capital Flat 2 900,00 400,00 2 500 A Rebatir 2 745,04 245,04
MODALIDADES DE PAGO DE PRÉSTAMOS
SISTEMA DE CUOTAS CONSTANTES O FRANCÉS CRÉDITO DE CONSUMO TEA 45.93% TEM 3.20% Préstamo: S/. 3,000.00 Tiempo: 10 meses SISTEMA DE CUOTAS CONSTANTES O FRANCÉS Periodo Cuota Interés Capital Saldo / Deuda - S/. 3,000.00 1 S/. 355.29 S/. 96.00 S/. 259.29 S/. 2,740.71 2 S/. 87.70 S/. 267.59 S/. 2,473.12 3 S/. 79.14 S/. 276.15 S/. 2,196.97 4 S/. 70.30 S/. 284.99 S/. 1,911.98 5 S/. 61.18 S/. 294.11 S/. 1,617.88 6 S/. 51.77 S/. 303.52 S/. 1,314.36 7 S/. 42.06 S/. 313.23 S/. 1,001.13 8 S/. 32.04 S/. 323.25 S/. 677.87 9 S/. 21.69 S/. 333.60 S/. 344.27 10 S/. 11.02 S/. 344.27 S/. -0.00 Total S/. 3,552.91 S/. 552.91
CRÉDITO DE CONSUMO TEA 45.93% TEM 3.20% Préstamo: S/. 3,000.00 Tiempo: 10 meses SISTEMA FLAT Periodo Cuota Interés Capital Saldo / Deuda - S/. 3,000.00 1 S/. 396.00 S/. 96.00 S/. 300.00 S/. 2,700.00 2 S/. 2,400.00 3 S/. 2,100.00 4 S/. 1,800.00 5 S/. 1,500.00 6 S/. 1,200.00 7 S/. 900.00 8 S/. 600.00 9 S/. 300.00 10 S/. - Total S/. 3,960.00 S/. 960.00
SISTEMA DE CUOTAS DECRECIENTES CRÉDITO DE CONSUMO TEA 45.93% TEM 3.20% Préstamo: S/. 3,000.00 Tiempo: 10 meses SISTEMA DE CUOTAS DECRECIENTES Periodo Cuota Interés Capital Saldo / Deuda - S/. 3,000.00 1 S/. 396.00 S/. 96.00 S/. 300.00 S/. 2,700.00 2 S/. 386.40 S/. 86.40 S/. 2,400.00 3 S/. 376.80 S/. 76.80 S/. 2,100.00 4 S/. 367.20 S/. 67.20 S/. 1,800.00 5 S/. 357.60 S/. 57.60 S/. 1,500.00 6 S/. 348.00 S/. 48.00 S/. 1,200.00 7 S/. 338.40 S/. 38.40 S/. 900.00 8 S/. 328.80 S/. 28.80 S/. 600.00 9 S/. 319.20 S/. 19.20 S/. 300.00 10 S/. 309.60 S/. 9.60 S/. - Total S/. 3,528.00 S/. 528.00
SISTEMA DE CUOTAS CRECIENTES CRÉDITO DE CONSUMO TEA 45.93% TEM 3.20% Préstamo: S/. 3,000.00 Tiempo: 10 meses SISTEMA DE CUOTAS CRECIENTES Periodo Factor Cuota Interés Capital Saldo / Deuda - S/. 3,000.00 1 1/57 0.02 S/. 150.55 S/. 96.00 S/. 54.55 S/. 2,945.45 2 2/57 0.04 S/. 203.35 S/. 94.25 S/. 109.09 S/. 2,836.36 3 3/57 0.05 S/. 254.40 S/. 90.76 S/. 163.64 S/. 2,672.73 4 4/57 0.07 S/. 303.71 S/. 85.53 S/. 218.18 S/. 2,454.55 5 5/57 0.09 S/. 351.27 S/. 78.55 S/. 272.73 S/. 2,181.82 6 6/57 0.11 S/. 397.09 S/. 69.82 S/. 327.27 S/. 1,854.55 7 7/57 0.13 S/. 441.16 S/. 59.35 S/. 381.82 S/. 1,472.73 8 8/57 0.15 S/. 483.49 S/. 47.13 S/. 436.36 S/. 1,036.36 9 9/57 0.16 S/. 524.07 S/. 33.16 S/. 490.91 S/. 545.45 10 10/57 0.18 S/. 562.91 S/. 17.45 S/. 545.45 S/. - Total S/. 3,672.00 S/. 672.00