This document provides details of a financial operation, including a 5.5% annual effective interest rate (TEA) and 0.45% monthly effective rate (TEM). It includes a table showing the amortization schedule over 120 months for a 350,000 loan, including the monthly payment amount, interest paid, principal paid, and outstanding balance. The total interest paid over the life of the loan is 94,688.22 and the total amount paid is 455,100.72.

1. Detalles de la operación financiera
TEA
Detalles del Financiamiento
Tasa Efectiva Anual (TEA)
Tasa Efectiva Mensual
Total costo Efectivo Anual
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
154.58
- 4,481.29 - 4,481.29
- 4,466.79 - 4,466.79
-
312,083.33 - 2,916.67 1,408.59 156.04
309,166.67 2,916.67 1,395.54
320,833.33 - 2,916.67 1,447.71 160.42 - 4,524.80 - 4,524.80
- 4,495.79
317,916.67 -
4,452.29 - 4,452.29
306,250.00 - 2,916.67 1,382.50 153.13 -
- 4,437.79
303,333.33 - 2,916.67 1,369.46 151.67 - 4,437.79
4,423.29
297,500.00 - 2,916.67 1,343.37 148.75 - 4,408.79 - 4,408.79
300,416.67 - 2,916.67 1,356.42 150.21 - 4,423.29 -
- 4,379.79
288,750.00 - 2,916.67 1,304.25 144.38 - 4,365.29 -
4,394.29 - 4,394.29
291,666.67 - 2,916.67 1,317.29 145.83 - 4,379.79
294,583.33 - 2,916.67 1,330.33 147.29 -
4,336.29 - 4,336.29
280,000.00 - 2,916.67 1,265.12 140.00 - 4,321.78
282,916.67 - 2,916.67 1,278.16 141.46 -
4,365.29
285,833.33 - 2,916.67 1,291.20 142.92 - 4,350.79 - 4,350.79
4,307.28
274,166.67 - 2,916.67 1,239.03 137.08 - 4,292.78 - 4,292.78
- 4,321.78
277,083.33 - 2,916.67 1,252.08 138.54 - 4,307.28 -
5.500%
0.000%
Otros Cargos (Portes)
ITF (Perú)
Otros Cargos
4,510.30 - 4,510.30
315,000.00 - 2,916.67 1,421.63 157.50 - 4,495.79
2,916.67 1,434.67 158.96 -
326,666.67 - 2,916.67 1,473.80 163.33 - 4,553.80 - 4,553.80
323,750.00 - 2,916.67 1,460.75 161.88 - 4,539.30 - 4,539.30
4,597.30 - 4,597.30
332,500.00 - 2,916.67 1,499.88 166.25 - 4,582.80 - 4,582.80
329,583.33 - 2,916.67 1,486.84 164.79 - 4,568.30 - 4,568.30
SIMULADOR FINANCIERO - CRÉDITO INDIVIDUAL
347,083.33 - 2,916.67 1,565.09 173.54 - 4,655.30 - 4,655.30
344,166.67 - 2,916.67 1,552.05 172.08 - 4,640.80 - 4,640.80
341,250.00 - 2,916.67 1,539.01 170.63 - 4,626.30 - 4,626.30
338,333.33
Interés
Factor (Cuotas
Crecientes)
- 2,916.67 1,525.97 169.17 - 4,611.80 - 4,611.80
335,416.67 - 2,916.67 1,512.92 167.71 -
Comisiones y gastos
5.50%
0.45%
6.12%
120 350,000.00
94,688.22
Total Intereses Total a Pagar 455,100.72
*No modifiques nada de estos conceptos
-350,000.00 -
350,000.00
Cuota por
Financiamiento
I.T.F.
0.000%
Cuota Total a Pagar
S. desgravamen (x periodo) 0.050%
-
Deuda
S. Desgravamen
0.05%
Cuota Amortización
TIPO DE CUOTA FORMA DE PAGO
Cuotas Fijas
Cuotas Crecientes
Cuotas Decrecientes
Diario
Semanal
Mensual
Bimestral
Trimestral
Tetramestral
Semestral
Anual
NÚMERO DE CUOTAS IMPORTE A EVALUAR

2. 27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
- 4,249.28
262,500.00 - 2,916.67 1,186.86 131.25 - 4,234.78 -
4,263.78 - 4,263.78
265,416.67 - 2,916.67 1,199.91 132.71 - 4,249.28
268,333.33 - 2,916.67 1,212.95 134.17 -
4,205.78 - 4,205.78
253,750.00 - 2,916.67 1,147.74 126.88 - 4,191.28
256,666.67 - 2,916.67 1,160.78 128.33 -
4,234.78
259,583.33 - 2,916.67 1,173.82 129.79 - 4,220.28 - 4,220.28
4,176.78
247,916.67 - 2,916.67 1,121.65 123.96 - 4,162.28 - 4,162.28
- 4,191.28
250,833.33 - 2,916.67 1,134.69 125.42 - 4,176.78 -
119.58 - 4,118.77 -
4,147.78 - 4,147.78
242,083.33 - 2,916.67 1,095.57 121.04 - 4,133.27
245,000.00 - 2,916.67 1,108.61 122.50 -
233,333.33 - 2,916.67 1,056.44 116.67 - 4,089.77
4,118.77
236,250.00 - 2,916.67 1,069.48 118.13 - 4,104.27 - 4,104.27
- 4,133.27
239,166.67 - 2,916.67 1,082.52
4,075.27
227,500.00 - 2,916.67 1,030.35 113.75 - 4,060.77 - 4,060.77
- 4,089.77
230,416.67 - 2,916.67 1,043.40 115.21 - 4,075.27 -
- 4,031.77
218,750.00 - 2,916.67 991.23 109.38 - 4,017.27 -
4,046.27 - 4,046.27
221,666.67 - 2,916.67 1,004.27 110.83 - 4,031.77
224,583.33 - 2,916.67 1,017.31 112.29 -
3,988.27 - 3,988.27
210,000.00 - 2,916.67 952.10 105.00 - 3,973.77
212,916.67 - 2,916.67 965.14 106.46 -
4,017.27
215,833.33 - 2,916.67 978.18 107.92 - 4,002.77 - 4,002.77
2,916.67 912.97 100.63 -
3,959.27
204,166.67 - 2,916.67 926.01 102.08 - 3,944.76 - 3,944.76
- 3,973.77
207,083.33 - 2,916.67 939.06 103.54 - 3,959.27 -
3,915.76
195,416.67 - 2,916.67 886.89 97.71 - 3,901.26 - 3,901.26
198,333.33 - 2,916.67 899.93 99.17 - 3,915.76 -
3,930.26 - 3,930.26
201,250.00 -
- 3,872.26
186,666.67 - 2,916.67 847.76 93.33 - 3,857.76 -
3,886.76 - 3,886.76
189,583.33 - 2,916.67 860.80 94.79 - 3,872.26
192,500.00 - 2,916.67 873.84 96.25 -
3,828.76 - 3,828.76
177,916.67 - 2,916.67 808.63 88.96 - 3,814.26
180,833.33 - 2,916.67 821.67 90.42 -
3,857.76
183,750.00 - 2,916.67 834.72 91.87 - 3,843.26 - 3,843.26
- 2,916.67 782.55 86.04 - 3,785.26 - 3,785.26
- 3,814.26
175,000.00 - 2,916.67 795.59 87.50 - 3,799.76 -
- 3,756.25
3,770.75 - 3,770.75
166,250.00 - 2,916.67 756.46 83.12 - 3,756.25
169,166.67 -
- 3,741.75
160,416.67 - 2,916.67 730.38 80.21 - 3,727.25 -
4,278.28 - 4,278.28
163,333.33 - 2,916.67 743.42 81.67 - 3,741.75
271,250.00 - 2,916.67 1,225.99 135.63 -
2,916.67 769.50 84.58 -
3,799.76
172,083.33
3,698.25 - 3,698.25
3,683.75
151,666.67 - 2,916.67 691.25 75.83 -
154,583.33 - 2,916.67 704.29 77.29 -
3,727.25
157,500.00 - 2,916.67 717.34 78.75 - 3,712.75 - 3,712.75
3,669.25
- 3,683.75
148,750.00 - 2,916.67 678.21 74.37 - 3,669.25 -

3. 70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
-
145,833.33 - 2,916.67 665.17 72.92 - 3,654.75 - 3,654.75
3,625.75
137,083.33 - 2,916.67 626.04 68.54 - 3,611.25 - 3,611.25
-
3,640.25 -
2,916.67 3,640.25
140,000.00 - 2,916.67 639.08 70.00 - 3,625.75
142,916.67 - 652.12 71.46
- 3,582.24
128,333.33 - 2,916.67 586.91 64.17 - 3,567.74 -
3,596.75 - 3,596.75
131,250.00 - 2,916.67 599.95 65.62 - 3,582.24
134,166.67 - 2,916.67 613.00 67.08 -
3,538.74 - 3,538.74
119,583.33 - 2,916.67 547.78 59.79 - 3,524.24
122,500.00 - 2,916.67 560.83 61.25 -
3,567.74
125,416.67 - 2,916.67 573.87 62.71 - 3,553.24 - 3,553.24
2,916.67 508.66 55.42 -
3,509.74
113,750.00 - 2,916.67 521.70 56.87 - 3,495.24 - 3,495.24
- 3,524.24
116,666.67 - 2,916.67 534.74 58.33 - 3,509.74 -
3,451.74 -
- 3,466.24
105,000.00 - 2,916.67 482.57 52.50 -
3,480.74 - 3,480.74
107,916.67 - 2,916.67 495.61 53.96 - 3,466.24
110,833.33 -
3,451.74
102,083.33 - 3,437.24
99,166.67 - 2,916.67 456.49 49.58 - 3,422.74 -
- 2,916.67 469.53 51.04 - 3,437.24
3,393.73 - 3,393.73
90,416.67 - 2,916.67 417.36 45.21 - 3,379.23
93,333.33 - 2,916.67 430.40 46.67 -
3,422.74
96,250.00 - 2,916.67 443.44 48.12 - 3,408.24 - 3,408.24
3,364.73
84,583.33 - 2,916.67 391.27 42.29 - 3,350.23 - 3,350.23
- 3,379.23
87,500.00 - 2,916.67 404.32 43.75 - 3,364.73 -
- 3,321.23
75,833.33 - 2,916.67 352.15 37.92 - 3,306.73 -
3,335.73 - 3,335.73
78,750.00 - 2,916.67 365.19 39.37 - 3,321.23
81,666.67 - 2,916.67 378.23 40.83 -
3,277.73 - 3,277.73
67,083.33 - 2,916.67 313.02 33.54 - 3,263.23
70,000.00 - 2,916.67 326.06 35.00 -
3,306.73
72,916.67 - 2,916.67 339.10 36.46 - 3,292.23 - 3,292.23
3,248.73
61,250.00 - 2,916.67 286.93 30.62 - 3,234.23 - 3,234.23
- 3,263.23
64,166.67 - 2,916.67 299.98 32.08 - 3,248.73 -
- 3,205.22
52,500.00 - 2,916.67 247.81 26.25 - 3,190.72 -
3,219.72 - 3,219.72
55,416.67 - 2,916.67 260.85 27.71 - 3,205.22
58,333.33 - 2,916.67 273.89 29.17 -
3,161.72 - 3,161.72
43,750.00 - 2,916.67 208.68 21.87 - 3,147.22
46,666.67 - 2,916.67 221.72 23.33 -
3,190.72
49,583.33 - 2,916.67 234.76 24.79 - 3,176.22 - 3,176.22
3,132.72
37,916.67 - 2,916.67 182.59 18.96 - 3,118.22 - 3,118.22
- 3,147.22
40,833.33 - 2,916.67 195.64 20.42 - 3,132.72 -
- 3,089.22
29,166.67 - 2,916.67 143.47 14.58 - 3,074.72 -
3,103.72 - 3,103.72
32,083.33 - 2,916.67 156.51 16.04 - 3,089.22
35,000.00 - 2,916.67 169.55 17.50 -
3,045.72 - 3,045.72
23,333.33 - 2,916.67 117.38 11.67 -
3,074.72
26,250.00 - 2,916.67 130.42 13.12 - 3,060.22 - 3,060.22

4. 113
114
115
116
117
118
119
120
20,416.67 - 2,916.67 104.34 10.21 - 3,031.21
3,016.71
14,583.33 - 2,916.67 78.25 7.29 - 3,002.21 - 3,002.21
- 3,031.21
17,500.00 - 2,916.67 91.30 8.75 - 3,016.71 -
- 2,973.21
5,833.33 - 2,916.67 39.13 2.92 - 2,958.71 -
2,987.71 - 2,987.71
8,750.00 - 2,916.67 52.17 4.37 - 2,973.21
11,666.67 - 2,916.67 65.21 5.83 -
2,929.71 - 2,929.71
-
-0.00 - 2,916.67 13.04 -0.00 -
2,958.71
2,916.67 - 2,916.67 26.08 1.46 - 2,944.21 - 2,944.21
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