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CRÉDITO HIPOTECARIO
El 14 de noviembre de 2017, el Sr. Marck desea adquirir una casa por un valor de S/ 300,000,
cuyo terreno esta valorizado en S/ 72,000. Para ello solicita un préstamo al banco para cancelarlo
mensualmente a través de un plan de cuotas constantes, dentro de un plazo de diez años,
acordándose pagar una TEA de 12.50%. Elabore la tabla de amortización correspondiente a este
crédito, teniendo en cuenta que el banco le financiara el 80% del valor del inmueble y que además
se pagará dos seguros; uno para el inmueble contra todo riesgo cuyo costo es de 0.0280%; y otro
seguro de desgravamen cuyo costo es de 0.0570%. El seguro del inmueble se calcula sobre el
valor del bien y se mantiene constante durante todo el préstamo; en cambio, el seguro de
desgravamen se va calculando sobre el saldo de la deuda, por lo que ir creciendo. Por concepto
de portes se pagará S/ 11.00 mensual. Considere que los pagos se harán en un plazo fijo cada 30
días.
El deudor pago oportunamente hasta la cuota 9, pero la 10 la pago el 18 de septiembre del año
presente en ese entonces. Si la tasa de mora es una TEA de 101.22%. Calcule el importe de la
cuota vencida.
*Considerar que el 80% del valor del inmueble que financia el banco, el 70% corresponde a edificaciones
y el 30% corresponde al terreno.
Solución:
Calculo para convertir una TEA a una TEM
Nº DE PERÍODOS DIARIOS:
Cálculo con Fórmulas
Matemáticas
TEA 12.50%
a (Período en días de TEequiv.) 30
b (Período en días de TEdato) 360
TE equivalente = (1+i)(a/b) - 1
Moneda del préstamo Soles
Valor del inmueble 300,000.00
Monto del préstamo 240,000.00
Tasa Efectiva Anual fija 12.50% Supuesto
TE equivalente (TEM) 0.9864%
Comisión por el E.C. 11.00
Plazo del préstamo 10 años
Periodo Equiv. 120 meses
Seguro de Desgravamen 136.800
Seguro todo Riesgo 47.04
Solicitud del préstamo 14-Nov
Fecha de la primera cuota 14-Dic
Días transcurridos 30
Cálculo de la cuota S/ 3,420.63
Por tanto, el cronograma de pagos del cliente sería el que se muestra a continuación:
N° Fecha Principal
Pago del
Principal
Pago del
interes
S.
Imnueble
S.
Desgrav.
Portes Pago Total P. Final
0 14/11/2017 240,000.00 - - - - - - 240,000.00
1 14/12/2017 240,000.00 1,053.37 2,367.26 47.04 136.80 11.00 3,615.47 238,946.63
2 13/01/2018 238,946.63 1,063.76 2,356.87 47.04 229.39 11.00 3,708.06 237,882.87
3 12/02/2018 237,882.87 1,074.25 2,346.38 47.04 228.37 11.00 3,707.04 236,808.62
4 14/03/2018 236,808.62 1,084.85 2,335.78 47.04 227.34 11.00 3,706.01 235,723.77
5 13/04/2018 235,723.77 1,095.55 2,325.08 47.04 226.29 11.00 3,704.96 234,628.22
6 13/05/2018 234,628.22 1,106.35 2,314.27 47.04 225.24 11.00 3,703.91 233,521.87
7 12/06/2018 233,521.87 1,117.27 2,303.36 47.04 224.18 11.00 3,702.85 232,404.60
8 12/07/2018 232,404.60 1,128.29 2,292.34 47.04 223.11 11.00 3,701.78 231,276.31
9 11/08/2018 231,276.31 1,139.42 2,281.21 47.04 222.03 11.00 3,700.69 230,136.90
10 10/09/2018 230,136.90 1,150.65 2,269.97 47.04 220.93 11.00 3,699.60 228,986.24
11 10/10/2018 228,986.24 1,162.00 2,258.62 47.04 219.83 11.00 3,698.50 227,824.24
12 9/11/2018 227,824.24 1,173.47 2,247.16 47.04 218.71 11.00 3,697.38 226,650.77
13 9/12/2018 226,650.77 1,185.04 2,235.59 47.04 217.58 11.00 3,696.25 225,465.73
14 8/01/2019 225,465.73 1,196.73 2,223.90 47.04 216.45 11.00 3,695.12 224,269.00
15 7/02/2019 224,269.00 1,208.53 2,212.10 47.04 215.30 11.00 3,693.97 223,060.47
16 9/03/2019 223,060.47 1,220.45 2,200.17 47.04 214.14 11.00 3,692.81 221,840.02
17 8/04/2019 221,840.02 1,232.49 2,188.14 47.04 212.97 11.00 3,691.64 220,607.52
18 8/05/2019 220,607.52 1,244.65 2,175.98 47.04 211.78 11.00 3,690.45 219,362.87
19 7/06/2019 219,362.87 1,256.93 2,163.70 47.04 210.59 11.00 3,689.26 218,105.95
20 7/07/2019 218,105.95 1,269.32 2,151.31 47.04 209.38 11.00 3,688.05 216,836.63
21 6/08/2019 216,836.63 1,281.84 2,138.79 47.04 208.16 11.00 3,686.83 215,554.78
22 5/09/2019 215,554.78 1,294.49 2,126.14 47.04 206.93 11.00 3,685.60 214,260.30
23 5/10/2019 214,260.30 1,307.26 2,113.37 47.04 205.69 11.00 3,684.36 212,953.04
24 4/11/2019 212,953.04 1,320.15 2,100.48 47.04 204.43 11.00 3,683.10 211,632.89
25 4/12/2019 211,632.89 1,333.17 2,087.46 47.04 203.17 11.00 3,681.84 210,299.72
26 3/01/2020 210,299.72 1,346.32 2,074.31 47.04 201.89 11.00 3,680.56 208,953.40
27 2/02/2020 208,953.40 1,359.60 2,061.03 47.04 200.60 11.00 3,679.26 207,593.80
28 3/03/2020 207,593.80 1,373.01 2,047.62 47.04 199.29 11.00 3,677.96 206,220.79
29 2/04/2020 206,220.79 1,386.55 2,034.08 47.04 197.97 11.00 3,676.64 204,834.24
30 2/05/2020 204,834.24 1,400.23 2,020.40 47.04 196.64 11.00 3,675.31 203,434.01
31 1/06/2020 203,434.01 1,414.04 2,006.59 47.04 195.30 11.00 3,673.97 202,019.96
32 1/07/2020 202,019.96 1,427.99 1,992.64 47.04 193.94 11.00 3,672.61 200,591.98
33 31/07/2020 200,591.98 1,442.07 1,978.56 47.04 192.57 11.00 3,671.24 199,149.90
34 30/08/2020 199,149.90 1,456.30 1,964.33 47.04 191.18 11.00 3,669.85 197,693.60
35 29/09/2020 197,693.60 1,470.66 1,949.97 47.04 189.79 11.00 3,668.45 196,222.94
36 29/10/2020 196,222.94 1,485.17 1,935.46 47.04 188.37 11.00 3,667.04 194,737.77
37 28/11/2020 194,737.77 1,499.82 1,920.81 47.04 186.95 11.00 3,665.62 193,237.96
38 28/12/2020 193,237.96 1,514.61 1,906.02 47.04 185.51 11.00 3,664.18 191,723.35
39 27/01/2021 191,723.35 1,529.55 1,891.08 47.04 184.05 11.00 3,662.72 190,193.80
40 26/02/2021 190,193.80 1,544.64 1,875.99 47.04 182.59 11.00 3,661.25 188,649.16
41 28/03/2021 188,649.16 1,559.87 1,860.76 47.04 181.10 11.00 3,659.77 187,089.29
42 27/04/2021 187,089.29 1,575.26 1,845.37 47.04 179.61 11.00 3,658.27 185,514.03
43 27/05/2021 185,514.03 1,590.80 1,829.83 47.04 178.09 11.00 3,656.76 183,923.23
44 26/06/2021 183,923.23 1,606.49 1,814.14 47.04 176.57 11.00 3,655.24 182,316.75
45 26/07/2021 182,316.75 1,622.33 1,798.30 47.04 175.02 11.00 3,653.69 180,694.41
46 25/08/2021 180,694.41 1,638.33 1,782.29 47.04 173.47 11.00 3,652.14 179,056.08
47 24/09/2021 179,056.08 1,654.49 1,766.13 47.04 171.89 11.00 3,650.56 177,401.58
48 24/10/2021 177,401.58 1,670.81 1,749.81 47.04 170.31 11.00 3,648.97 175,730.77
49 23/11/2021 175,730.77 1,687.29 1,733.33 47.04 168.70 11.00 3,647.37 174,043.47
50 23/12/2021 174,043.47 1,703.94 1,716.69 47.04 167.08 11.00 3,645.75 172,339.54
51 22/01/2022 172,339.54 1,720.74 1,699.88 47.04 165.45 11.00 3,644.11 170,618.79
52 21/02/2022 170,618.79 1,737.72 1,682.91 47.04 163.79 11.00 3,642.46 168,881.08
53 23/03/2022 168,881.08 1,754.86 1,665.77 47.04 162.13 11.00 3,640.79 167,126.22
54 22/04/2022 167,126.22 1,772.17 1,648.46 47.04 160.44 11.00 3,639.11 165,354.06
55 22/05/2022 165,354.06 1,789.65 1,630.98 47.04 158.74 11.00 3,637.41 163,564.41
56 21/06/2022 163,564.41 1,807.30 1,613.33 47.04 157.02 11.00 3,635.69 161,757.11
57 21/07/2022 161,757.11 1,825.12 1,595.50 47.04 155.29 11.00 3,633.96 159,931.99
58 20/08/2022 159,931.99 1,843.13 1,577.50 47.04 153.53 11.00 3,632.20 158,088.86
59 19/09/2022 158,088.86 1,861.31 1,559.32 47.04 151.77 11.00 3,630.43 156,227.55
60 19/10/2022 156,227.55 1,879.67 1,540.96 47.04 149.98 11.00 3,628.65 154,347.89
61 18/11/2022 154,347.89 1,898.21 1,522.42 47.04 148.17 11.00 3,626.84 152,449.68
62 18/12/2022 152,449.68 1,916.93 1,503.70 47.04 146.35 11.00 3,625.02 150,532.75
63 17/01/2023 150,532.75 1,935.84 1,484.79 47.04 144.51 11.00 3,623.18 148,596.92
64 16/02/2023 148,596.92 1,954.93 1,465.70 47.04 142.65 11.00 3,621.32 146,641.98
65 18/03/2023 146,641.98 1,974.21 1,446.42 47.04 140.78 11.00 3,619.45 144,667.77
66 17/04/2023 144,667.77 1,993.69 1,426.94 47.04 138.88 11.00 3,617.55 142,674.08
67 17/05/2023 142,674.08 2,013.35 1,407.28 47.04 136.97 11.00 3,615.64 140,660.73
68 16/06/2023 140,660.73 2,033.21 1,387.42 47.04 135.03 11.00 3,613.70 138,627.52
69 16/07/2023 138,627.52 2,053.27 1,367.36 47.04 133.08 11.00 3,611.75 136,574.26
70 15/08/2023 136,574.26 2,073.52 1,347.11 47.04 131.11 11.00 3,609.78 134,500.74
71 14/09/2023 134,500.74 2,093.97 1,326.66 47.04 129.12 11.00 3,607.79 132,406.77
72 14/10/2023 132,406.77 2,114.62 1,306.00 47.04 127.11 11.00 3,605.78 130,292.15
73 13/11/2023 130,292.15 2,135.48 1,285.15 47.04 125.08 11.00 3,603.75 128,156.66
74 13/12/2023 128,156.66 2,156.55 1,264.08 47.04 123.03 11.00 3,601.70 126,000.12
75 12/01/2024 126,000.12 2,177.82 1,242.81 47.04 120.96 11.00 3,599.63 123,822.30
76 11/02/2024 123,822.30 2,199.30 1,221.33 47.04 118.87 11.00 3,597.54 121,623.01
77 12/03/2024 121,623.01 2,220.99 1,199.64 47.04 116.76 11.00 3,595.43 119,402.01
78 11/04/2024 119,402.01 2,242.90 1,177.73 47.04 114.63 11.00 3,593.29 117,159.12
79 11/05/2024 117,159.12 2,265.02 1,155.61 47.04 112.47 11.00 3,591.14 114,894.10
80 10/06/2024 114,894.10 2,287.36 1,133.27 47.04 110.30 11.00 3,588.97 112,606.74
81 10/07/2024 112,606.74 2,309.92 1,110.71 47.04 108.10 11.00 3,586.77 110,296.81
82 9/08/2024 110,296.81 2,332.71 1,087.92 47.04 105.88 11.00 3,584.55 107,964.10
83 8/09/2024 107,964.10 2,355.72 1,064.91 47.04 103.65 11.00 3,582.31 105,608.39
84 8/10/2024 105,608.39 2,378.95 1,041.68 47.04 101.38 11.00 3,580.05 103,229.44
85 7/11/2024 103,229.44 2,402.42 1,018.21 47.04 99.10 11.00 3,577.77 100,827.02
86 7/12/2024 100,827.02 2,426.11 994.52 47.04 96.79 11.00 3,575.46 98,400.91
87 6/01/2025 98,400.91 2,450.04 970.59 47.04 94.46 11.00 3,573.13 95,950.86
88 5/02/2025 95,950.86 2,474.21 946.42 47.04 92.11 11.00 3,570.78 93,476.65
89 7/03/2025 93,476.65 2,498.61 922.01 47.04 89.74 11.00 3,568.41 90,978.04
90 6/04/2025 90,978.04 2,523.26 897.37 47.04 87.34 11.00 3,566.01 88,454.78
91 6/05/2025 88,454.78 2,548.15 872.48 47.04 84.92 11.00 3,563.59 85,906.63
92 5/06/2025 85,906.63 2,573.28 847.35 47.04 82.47 11.00 3,561.14 83,333.35
93 5/07/2025 83,333.35 2,598.66 821.97 47.04 80.00 11.00 3,558.67 80,734.69
94 4/08/2025 80,734.69 2,624.30 796.33 47.04 77.51 11.00 3,556.17 78,110.39
95 3/09/2025 78,110.39 2,650.18 770.45 47.04 74.99 11.00 3,553.65 75,460.21
96 3/10/2025 75,460.21 2,676.32 744.31 47.04 72.44 11.00 3,551.11 72,783.89
97 2/11/2025 72,783.89 2,702.72 717.91 47.04 69.87 11.00 3,548.54 70,081.17
98 2/12/2025 70,081.17 2,729.38 691.25 47.04 67.28 11.00 3,545.95 67,351.79
99 1/01/2026 67,351.79 2,756.30 664.33 47.04 64.66 11.00 3,543.33 64,595.49
100 31/01/2026 64,595.49 2,783.49 637.14 47.04 62.01 11.00 3,540.68 61,812.01
101 2/03/2026 61,812.01 2,810.94 609.69 47.04 59.34 11.00 3,538.01 59,001.07
102 1/04/2026 59,001.07 2,838.67 581.96 47.04 56.64 11.00 3,535.31 56,162.40
103 1/05/2026 56,162.40 2,866.67 553.96 47.04 53.92 11.00 3,532.58 53,295.73
104 31/05/2026 53,295.73 2,894.94 525.69 47.04 51.16 11.00 3,529.83 50,400.79
105 30/06/2026 50,400.79 2,923.50 497.13 47.04 48.38 11.00 3,527.05 47,477.29
106 30/07/2026 47,477.29 2,952.33 468.30 47.04 45.58 11.00 3,524.25 44,524.96
107 29/08/2026 44,524.96 2,981.45 439.18 47.04 42.74 11.00 3,521.41 41,543.51
108 28/09/2026 41,543.51 3,010.86 409.77 47.04 39.88 11.00 3,518.55 38,532.65
109 28/10/2026 38,532.65 3,040.56 380.07 47.04 36.99 11.00 3,515.66 35,492.09
110 27/11/2026 35,492.09 3,070.55 350.08 47.04 34.07 11.00 3,512.74 32,421.54
111 27/12/2026 32,421.54 3,100.84 319.79 47.04 31.12 11.00 3,509.79 29,320.70
112 26/01/2027 29,320.70 3,131.42 289.21 47.04 28.15 11.00 3,506.82 26,189.28
113 25/02/2027 26,189.28 3,162.31 258.32 47.04 25.14 11.00 3,503.81 23,026.97
114 27/03/2027 23,026.97 3,193.50 227.13 47.04 22.11 11.00 3,500.77 19,833.47
115 26/04/2027 19,833.47 3,225.00 195.63 47.04 19.04 11.00 3,497.71 16,608.47
116 26/05/2027 16,608.47 3,256.81 163.82 47.04 15.94 11.00 3,494.61 13,351.66
117 25/06/2027 13,351.66 3,288.93 131.70 47.04 12.82 11.00 3,491.49 10,062.73
118 25/07/2027 10,062.73 3,321.37 99.25 47.04 9.66 11.00 3,488.33 6,741.35
119 24/08/2027 6,741.35 3,354.13 66.49 47.04 6.47 11.00 3,485.14 3,387.22
120 23/09/2027 3,387.22 3,387.22 33.41 47.04 3.25 11.00 3,481.92 - 0.00
17,523,323.65 240,000.00 170,475.46 433,938.65
Calculo para que las cuotas sean iguales
Valor del inmueble 300,000.00
Monto del préstamo 240,000.00
Tasa del seguro de desgravamen 0.0570%
Tasa del seguro todo Riesgo 0.0280%
TE equivalente (TEM) 0.9864%
Nueva Tasa Efectiva Mensual 1.071%
Periodo Equiv. 120 meses
Calculo de la cuota 3,563.14
N° Fecha Principal
Pago del
Principal
Pago del
interes
S.
Imnueble
S.
Desgrav.
Portes Pago Total P. Final
0 14/11/2017 240,000.00 - - - - - - 240,000.00
1 14/12/2017 240,000.00 991.88 2,571.26 47.04 136.80 11.00 S/ 3,563.14 239,008.12
2 13/01/2018 239,008.12 1,002.51 2,560.63 47.04 229.39 11.00 S/ 3,563.14 238,005.60
3 12/02/2018 238,005.60 1,013.25 2,549.89 47.04 228.37 11.00 S/ 3,563.14 236,992.35
4 14/03/2018 236,992.35 1,024.11 2,539.04 47.04 227.34 11.00 S/ 3,563.14 235,968.24
5 13/04/2018 235,968.24 1,035.08 2,528.06 47.04 226.29 11.00 S/ 3,563.14 234,933.16
6 13/05/2018 234,933.16 1,046.17 2,516.98 47.04 225.24 11.00 S/ 3,563.14 233,887.00
7 12/06/2018 233,887.00 1,057.38 2,505.77 47.04 224.18 11.00 S/ 3,563.14 232,829.62
8 12/07/2018 232,829.62 1,068.71 2,494.44 47.04 223.11 11.00 S/ 3,563.14 231,760.91
9 11/08/2018 231,760.91 1,080.15 2,482.99 47.04 222.03 11.00 S/ 3,563.14 230,680.76
10 10/09/2018 230,680.76 1,091.73 2,471.42 47.04 220.93 11.00 S/ 3,563.14 229,589.03
11 10/10/2018 229,589.03 1,103.42 2,459.72 47.04 219.83 11.00 S/ 3,563.14 228,485.61
12 9/11/2018 228,485.61 1,115.25 2,447.90 47.04 218.71 11.00 S/ 3,563.14 227,370.36
13 9/12/2018 227,370.36 1,127.19 2,435.95 47.04 217.58 11.00 S/ 3,563.14 226,243.17
14 8/01/2019 226,243.17 1,139.27 2,423.87 47.04 216.45 11.00 S/ 3,563.14 225,103.90
15 7/02/2019 225,103.90 1,151.48 2,411.67 47.04 215.30 11.00 S/ 3,563.14 223,952.42
16 9/03/2019 223,952.42 1,163.81 2,399.33 47.04 214.14 11.00 S/ 3,563.14 222,788.61
17 8/04/2019 222,788.61 1,176.28 2,386.86 47.04 212.97 11.00 S/ 3,563.14 221,612.33
18 8/05/2019 221,612.33 1,188.88 2,374.26 47.04 211.78 11.00 S/ 3,563.14 220,423.45
19 7/06/2019 220,423.45 1,201.62 2,361.52 47.04 210.59 11.00 S/ 3,563.14 219,221.83
20 7/07/2019 219,221.83 1,214.49 2,348.65 47.04 209.38 11.00 S/ 3,563.14 218,007.34
21 6/08/2019 218,007.34 1,227.51 2,335.64 47.04 208.16 11.00 S/ 3,563.14 216,779.83
22 5/09/2019 216,779.83 1,240.66 2,322.49 47.04 206.93 11.00 S/ 3,563.14 215,539.17
23 5/10/2019 215,539.17 1,253.95 2,309.20 47.04 205.69 11.00 S/ 3,563.14 214,285.23
24 4/11/2019 214,285.23 1,267.38 2,295.76 47.04 204.43 11.00 S/ 3,563.14 213,017.84
25 4/12/2019 213,017.84 1,280.96 2,282.18 47.04 203.17 11.00 S/ 3,563.14 211,736.88
26 3/01/2020 211,736.88 1,294.68 2,268.46 47.04 201.89 11.00 S/ 3,563.14 210,442.20
27 2/02/2020 210,442.20 1,308.55 2,254.59 47.04 200.60 11.00 S/ 3,563.14 209,133.65
28 3/03/2020 209,133.65 1,322.57 2,240.57 47.04 199.29 11.00 S/ 3,563.14 207,811.07
29 2/04/2020 207,811.07 1,336.74 2,226.40 47.04 197.97 11.00 S/ 3,563.14 206,474.33
30 2/05/2020 206,474.33 1,351.06 2,212.08 47.04 196.64 11.00 S/ 3,563.14 205,123.26
31 1/06/2020 205,123.26 1,365.54 2,197.60 47.04 195.30 11.00 S/ 3,563.14 203,757.72
32 1/07/2020 203,757.72 1,380.17 2,182.97 47.04 193.94 11.00 S/ 3,563.14 202,377.55
33 31/07/2020 202,377.55 1,394.96 2,168.19 47.04 192.57 11.00 S/ 3,563.14 200,982.60
34 30/08/2020 200,982.60 1,409.90 2,153.24 47.04 191.18 11.00 S/ 3,563.14 199,572.70
35 29/09/2020 199,572.70 1,425.01 2,138.14 47.04 189.79 11.00 S/ 3,563.14 198,147.69
36 29/10/2020 198,147.69 1,440.27 2,122.87 47.04 188.37 11.00 S/ 3,563.14 196,707.42
37 28/11/2020 196,707.42 1,455.70 2,107.44 47.04 186.95 11.00 S/ 3,563.14 195,251.72
38 28/12/2020 195,251.72 1,471.30 2,091.84 47.04 185.51 11.00 S/ 3,563.14 193,780.42
39 27/01/2021 193,780.42 1,487.06 2,076.08 47.04 184.05 11.00 S/ 3,563.14 192,293.35
40 26/02/2021 192,293.35 1,502.99 2,060.15 47.04 182.59 11.00 S/ 3,563.14 190,790.36
41 28/03/2021 190,790.36 1,519.10 2,044.05 47.04 181.10 11.00 S/ 3,563.14 189,271.26
42 27/04/2021 189,271.26 1,535.37 2,027.77 47.04 179.61 11.00 S/ 3,563.14 187,735.89
43 27/05/2021 187,735.89 1,551.82 2,011.32 47.04 178.09 11.00 S/ 3,563.14 186,184.07
44 26/06/2021 186,184.07 1,568.45 1,994.70 47.04 176.57 11.00 S/ 3,563.14 184,615.63
45 26/07/2021 184,615.63 1,585.25 1,977.89 47.04 175.02 11.00 S/ 3,563.14 183,030.38
46 25/08/2021 183,030.38 1,602.23 1,960.91 47.04 173.47 11.00 S/ 3,563.14 181,428.14
47 24/09/2021 181,428.14 1,619.40 1,943.75 47.04 171.89 11.00 S/ 3,563.14 179,808.74
48 24/10/2021 179,808.74 1,636.75 1,926.40 47.04 170.31 11.00 S/ 3,563.14 178,171.99
49 23/11/2021 178,171.99 1,654.28 1,908.86 47.04 168.70 11.00 S/ 3,563.14 176,517.71
50 23/12/2021 176,517.71 1,672.01 1,891.14 47.04 167.08 11.00 S/ 3,563.14 174,845.70
51 22/01/2022 174,845.70 1,689.92 1,873.22 47.04 165.45 11.00 S/ 3,563.14 173,155.78
52 21/02/2022 173,155.78 1,708.03 1,855.12 47.04 163.79 11.00 S/ 3,563.14 171,447.76
53 23/03/2022 171,447.76 1,726.32 1,836.82 47.04 162.13 11.00 S/ 3,563.14 169,721.43
54 22/04/2022 169,721.43 1,744.82 1,818.32 47.04 160.44 11.00 S/ 3,563.14 167,976.61
55 22/05/2022 167,976.61 1,763.51 1,799.63 47.04 158.74 11.00 S/ 3,563.14 166,213.10
56 21/06/2022 166,213.10 1,782.41 1,780.74 47.04 157.02 11.00 S/ 3,563.14 164,430.69
57 21/07/2022 164,430.69 1,801.50 1,761.64 47.04 155.29 11.00 S/ 3,563.14 162,629.19
58 20/08/2022 162,629.19 1,820.80 1,742.34 47.04 153.53 11.00 S/ 3,563.14 160,808.39
59 19/09/2022 160,808.39 1,840.31 1,722.83 47.04 151.77 11.00 S/ 3,563.14 158,968.08
60 19/10/2022 158,968.08 1,860.03 1,703.12 47.04 149.98 11.00 S/ 3,563.14 157,108.05
61 18/11/2022 157,108.05 1,879.95 1,683.19 47.04 148.17 11.00 S/ 3,563.14 155,228.09
62 18/12/2022 155,228.09 1,900.10 1,663.05 47.04 146.35 11.00 S/ 3,563.14 153,328.00
63 17/01/2023 153,328.00 1,920.45 1,642.69 47.04 144.51 11.00 S/ 3,563.14 151,407.55
64 16/02/2023 151,407.55 1,941.03 1,622.12 47.04 142.65 11.00 S/ 3,563.14 149,466.52
65 18/03/2023 149,466.52 1,961.82 1,601.32 47.04 140.78 11.00 S/ 3,563.14 147,504.70
66 17/04/2023 147,504.70 1,982.84 1,580.30 47.04 138.88 11.00 S/ 3,563.14 145,521.86
67 17/05/2023 145,521.86 2,004.08 1,559.06 47.04 136.97 11.00 S/ 3,563.14 143,517.77
68 16/06/2023 143,517.77 2,025.55 1,537.59 47.04 135.03 11.00 S/ 3,563.14 141,492.22
69 16/07/2023 141,492.22 2,047.26 1,515.89 47.04 133.08 11.00 S/ 3,563.14 139,444.96
70 15/08/2023 139,444.96 2,069.19 1,493.95 47.04 131.11 11.00 S/ 3,563.14 137,375.77
71 14/09/2023 137,375.77 2,091.36 1,471.79 47.04 129.12 11.00 S/ 3,563.14 135,284.41
72 14/10/2023 135,284.41 2,113.76 1,449.38 47.04 127.11 11.00 S/ 3,563.14 133,170.65
73 13/11/2023 133,170.65 2,136.41 1,426.73 47.04 125.08 11.00 S/ 3,563.14 131,034.24
74 13/12/2023 131,034.24 2,159.30 1,403.85 47.04 123.03 11.00 S/ 3,563.14 128,874.94
75 12/01/2024 128,874.94 2,182.43 1,380.71 47.04 120.96 11.00 S/ 3,563.14 126,692.51
76 11/02/2024 126,692.51 2,205.81 1,357.33 47.04 118.87 11.00 S/ 3,563.14 124,486.70
77 12/03/2024 124,486.70 2,229.45 1,333.70 47.04 116.76 11.00 S/ 3,563.14 122,257.25
78 11/04/2024 122,257.25 2,253.33 1,309.81 47.04 114.63 11.00 S/ 3,563.14 120,003.92
79 11/05/2024 120,003.92 2,277.47 1,285.67 47.04 112.47 11.00 S/ 3,563.14 117,726.45
80 10/06/2024 117,726.45 2,301.87 1,261.27 47.04 110.30 11.00 S/ 3,563.14 115,424.57
81 10/07/2024 115,424.57 2,326.53 1,236.61 47.04 108.10 11.00 S/ 3,563.14 113,098.04
82 9/08/2024 113,098.04 2,351.46 1,211.68 47.04 105.88 11.00 S/ 3,563.14 110,746.58
83 8/09/2024 110,746.58 2,376.65 1,186.49 47.04 103.65 11.00 S/ 3,563.14 108,369.93
84 8/10/2024 108,369.93 2,402.11 1,161.03 47.04 101.38 11.00 S/ 3,563.14 105,967.82
85 7/11/2024 105,967.82 2,427.85 1,135.29 47.04 99.10 11.00 S/ 3,563.14 103,539.97
86 7/12/2024 103,539.97 2,453.86 1,109.28 47.04 96.79 11.00 S/ 3,563.14 101,086.11
87 6/01/2025 101,086.11 2,480.15 1,082.99 47.04 94.46 11.00 S/ 3,563.14 98,605.96
88 5/02/2025 98,605.96 2,506.72 1,056.42 47.04 92.11 11.00 S/ 3,563.14 96,099.23
89 7/03/2025 96,099.23 2,533.58 1,029.57 47.04 89.74 11.00 S/ 3,563.14 93,565.66
90 6/04/2025 93,565.66 2,560.72 1,002.42 47.04 87.34 11.00 S/ 3,563.14 91,004.94
91 6/05/2025 91,004.94 2,588.16 974.99 47.04 84.92 11.00 S/ 3,563.14 88,416.78
92 5/06/2025 88,416.78 2,615.88 947.26 47.04 82.47 11.00 S/ 3,563.14 85,800.90
93 5/07/2025 85,800.90 2,643.91 919.23 47.04 80.00 11.00 S/ 3,563.14 83,156.99
94 4/08/2025 83,156.99 2,672.24 890.91 47.04 77.51 11.00 S/ 3,563.14 80,484.75
95 3/09/2025 80,484.75 2,700.86 862.28 47.04 74.99 11.00 S/ 3,563.14 77,783.89
96 3/10/2025 77,783.89 2,729.80 833.34 47.04 72.44 11.00 S/ 3,563.14 75,054.09
97 2/11/2025 75,054.09 2,759.05 804.10 47.04 69.87 11.00 S/ 3,563.14 72,295.04
98 2/12/2025 72,295.04 2,788.61 774.54 47.04 67.28 11.00 S/ 3,563.14 69,506.44
99 1/01/2026 69,506.44 2,818.48 744.66 47.04 64.66 11.00 S/ 3,563.14 66,687.95
100 31/01/2026 66,687.95 2,848.68 714.47 47.04 62.01 11.00 S/ 3,563.14 63,839.28
101 2/03/2026 63,839.28 2,879.20 683.95 47.04 59.34 11.00 S/ 3,563.14 60,960.08
102 1/04/2026 60,960.08 2,910.04 653.10 47.04 56.64 11.00 S/ 3,563.14 58,050.04
103 1/05/2026 58,050.04 2,941.22 621.92 47.04 53.92 11.00 S/ 3,563.14 55,108.82
104 31/05/2026 55,108.82 2,972.73 590.41 47.04 51.16 11.00 S/ 3,563.14 52,136.08
105 30/06/2026 52,136.08 3,004.58 558.56 47.04 48.38 11.00 S/ 3,563.14 49,131.50
106 30/07/2026 49,131.50 3,036.77 526.37 47.04 45.58 11.00 S/ 3,563.14 46,094.73
107 29/08/2026 46,094.73 3,069.30 493.84 47.04 42.74 11.00 S/ 3,563.14 43,025.43
108 28/09/2026 43,025.43 3,102.19 460.96 47.04 39.88 11.00 S/ 3,563.14 39,923.24
109 28/10/2026 39,923.24 3,135.42 427.72 47.04 36.99 11.00 S/ 3,563.14 36,787.82
110 27/11/2026 36,787.82 3,169.01 394.13 47.04 34.07 11.00 S/ 3,563.14 33,618.80
111 27/12/2026 33,618.80 3,202.97 360.18 47.04 31.12 11.00 S/ 3,563.14 30,415.84
112 26/01/2027 30,415.84 3,237.28 325.86 47.04 28.15 11.00 S/ 3,563.14 27,178.56
113 25/02/2027 27,178.56 3,271.96 291.18 47.04 25.14 11.00 S/ 3,563.14 23,906.59
114 27/03/2027 23,906.59 3,307.02 256.13 47.04 22.11 11.00 S/ 3,563.14 20,599.57
115 26/04/2027 20,599.57 3,342.45 220.70 47.04 19.04 11.00 S/ 3,563.14 17,257.12
116 26/05/2027 17,257.12 3,378.26 184.89 47.04 15.94 11.00 S/ 3,563.14 13,878.87
117 25/06/2027 13,878.87 3,414.45 148.69 47.04 12.82 11.00 S/ 3,563.14 10,464.41
118 25/07/2027 10,464.41 3,451.03 112.11 47.04 9.66 11.00 S/ 3,563.14 7,013.38
119 24/08/2027 7,013.38 3,488.01 75.14 47.04 6.47 11.00 S/ 3,563.14 3,525.37
120 23/09/2027 3,525.37 3,525.37 37.77 47.04 3.25 11.00 S/ 3,563.14 -
17,748,367.08 240,000.00 187,577.30 427,577.30
Caso de incumplimiento de Pagos
Teniendo en cuenta el cronograma calculado anteriormente, el cliente se retrasa 08 días en el
pago de la cuota número 10.
Periodo
Dias de
atraso
Principal
Pago del
Principal
Pago
del
interes
S.
Imnueble
S.
Desgrav.
Portes Pago Total P. Final
10 8 230,136.90 1,150.65 2,269.97 47.04 220.93 11.00 3,699.60 228,986.24
Interés compensatorio 8.96
Interés moratorio 18.02
Entonces, la cuota de atraso seria: C.A. = 3,726.58
Ejemplo de credito hipotecario

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Cap 17. Cultura Organizacional
 

Ejemplo de credito hipotecario

  • 1. CRÉDITO HIPOTECARIO El 14 de noviembre de 2017, el Sr. Marck desea adquirir una casa por un valor de S/ 300,000, cuyo terreno esta valorizado en S/ 72,000. Para ello solicita un préstamo al banco para cancelarlo mensualmente a través de un plan de cuotas constantes, dentro de un plazo de diez años, acordándose pagar una TEA de 12.50%. Elabore la tabla de amortización correspondiente a este crédito, teniendo en cuenta que el banco le financiara el 80% del valor del inmueble y que además se pagará dos seguros; uno para el inmueble contra todo riesgo cuyo costo es de 0.0280%; y otro seguro de desgravamen cuyo costo es de 0.0570%. El seguro del inmueble se calcula sobre el valor del bien y se mantiene constante durante todo el préstamo; en cambio, el seguro de desgravamen se va calculando sobre el saldo de la deuda, por lo que ir creciendo. Por concepto de portes se pagará S/ 11.00 mensual. Considere que los pagos se harán en un plazo fijo cada 30 días. El deudor pago oportunamente hasta la cuota 9, pero la 10 la pago el 18 de septiembre del año presente en ese entonces. Si la tasa de mora es una TEA de 101.22%. Calcule el importe de la cuota vencida. *Considerar que el 80% del valor del inmueble que financia el banco, el 70% corresponde a edificaciones y el 30% corresponde al terreno. Solución: Calculo para convertir una TEA a una TEM Nº DE PERÍODOS DIARIOS: Cálculo con Fórmulas Matemáticas TEA 12.50% a (Período en días de TEequiv.) 30 b (Período en días de TEdato) 360 TE equivalente = (1+i)(a/b) - 1 Moneda del préstamo Soles Valor del inmueble 300,000.00 Monto del préstamo 240,000.00 Tasa Efectiva Anual fija 12.50% Supuesto TE equivalente (TEM) 0.9864% Comisión por el E.C. 11.00 Plazo del préstamo 10 años Periodo Equiv. 120 meses Seguro de Desgravamen 136.800 Seguro todo Riesgo 47.04 Solicitud del préstamo 14-Nov Fecha de la primera cuota 14-Dic Días transcurridos 30 Cálculo de la cuota S/ 3,420.63
  • 2. Por tanto, el cronograma de pagos del cliente sería el que se muestra a continuación: N° Fecha Principal Pago del Principal Pago del interes S. Imnueble S. Desgrav. Portes Pago Total P. Final 0 14/11/2017 240,000.00 - - - - - - 240,000.00 1 14/12/2017 240,000.00 1,053.37 2,367.26 47.04 136.80 11.00 3,615.47 238,946.63 2 13/01/2018 238,946.63 1,063.76 2,356.87 47.04 229.39 11.00 3,708.06 237,882.87 3 12/02/2018 237,882.87 1,074.25 2,346.38 47.04 228.37 11.00 3,707.04 236,808.62 4 14/03/2018 236,808.62 1,084.85 2,335.78 47.04 227.34 11.00 3,706.01 235,723.77 5 13/04/2018 235,723.77 1,095.55 2,325.08 47.04 226.29 11.00 3,704.96 234,628.22 6 13/05/2018 234,628.22 1,106.35 2,314.27 47.04 225.24 11.00 3,703.91 233,521.87 7 12/06/2018 233,521.87 1,117.27 2,303.36 47.04 224.18 11.00 3,702.85 232,404.60 8 12/07/2018 232,404.60 1,128.29 2,292.34 47.04 223.11 11.00 3,701.78 231,276.31 9 11/08/2018 231,276.31 1,139.42 2,281.21 47.04 222.03 11.00 3,700.69 230,136.90 10 10/09/2018 230,136.90 1,150.65 2,269.97 47.04 220.93 11.00 3,699.60 228,986.24 11 10/10/2018 228,986.24 1,162.00 2,258.62 47.04 219.83 11.00 3,698.50 227,824.24 12 9/11/2018 227,824.24 1,173.47 2,247.16 47.04 218.71 11.00 3,697.38 226,650.77 13 9/12/2018 226,650.77 1,185.04 2,235.59 47.04 217.58 11.00 3,696.25 225,465.73 14 8/01/2019 225,465.73 1,196.73 2,223.90 47.04 216.45 11.00 3,695.12 224,269.00 15 7/02/2019 224,269.00 1,208.53 2,212.10 47.04 215.30 11.00 3,693.97 223,060.47 16 9/03/2019 223,060.47 1,220.45 2,200.17 47.04 214.14 11.00 3,692.81 221,840.02 17 8/04/2019 221,840.02 1,232.49 2,188.14 47.04 212.97 11.00 3,691.64 220,607.52 18 8/05/2019 220,607.52 1,244.65 2,175.98 47.04 211.78 11.00 3,690.45 219,362.87 19 7/06/2019 219,362.87 1,256.93 2,163.70 47.04 210.59 11.00 3,689.26 218,105.95 20 7/07/2019 218,105.95 1,269.32 2,151.31 47.04 209.38 11.00 3,688.05 216,836.63 21 6/08/2019 216,836.63 1,281.84 2,138.79 47.04 208.16 11.00 3,686.83 215,554.78 22 5/09/2019 215,554.78 1,294.49 2,126.14 47.04 206.93 11.00 3,685.60 214,260.30 23 5/10/2019 214,260.30 1,307.26 2,113.37 47.04 205.69 11.00 3,684.36 212,953.04 24 4/11/2019 212,953.04 1,320.15 2,100.48 47.04 204.43 11.00 3,683.10 211,632.89 25 4/12/2019 211,632.89 1,333.17 2,087.46 47.04 203.17 11.00 3,681.84 210,299.72 26 3/01/2020 210,299.72 1,346.32 2,074.31 47.04 201.89 11.00 3,680.56 208,953.40 27 2/02/2020 208,953.40 1,359.60 2,061.03 47.04 200.60 11.00 3,679.26 207,593.80 28 3/03/2020 207,593.80 1,373.01 2,047.62 47.04 199.29 11.00 3,677.96 206,220.79 29 2/04/2020 206,220.79 1,386.55 2,034.08 47.04 197.97 11.00 3,676.64 204,834.24 30 2/05/2020 204,834.24 1,400.23 2,020.40 47.04 196.64 11.00 3,675.31 203,434.01 31 1/06/2020 203,434.01 1,414.04 2,006.59 47.04 195.30 11.00 3,673.97 202,019.96 32 1/07/2020 202,019.96 1,427.99 1,992.64 47.04 193.94 11.00 3,672.61 200,591.98 33 31/07/2020 200,591.98 1,442.07 1,978.56 47.04 192.57 11.00 3,671.24 199,149.90 34 30/08/2020 199,149.90 1,456.30 1,964.33 47.04 191.18 11.00 3,669.85 197,693.60 35 29/09/2020 197,693.60 1,470.66 1,949.97 47.04 189.79 11.00 3,668.45 196,222.94 36 29/10/2020 196,222.94 1,485.17 1,935.46 47.04 188.37 11.00 3,667.04 194,737.77 37 28/11/2020 194,737.77 1,499.82 1,920.81 47.04 186.95 11.00 3,665.62 193,237.96 38 28/12/2020 193,237.96 1,514.61 1,906.02 47.04 185.51 11.00 3,664.18 191,723.35 39 27/01/2021 191,723.35 1,529.55 1,891.08 47.04 184.05 11.00 3,662.72 190,193.80 40 26/02/2021 190,193.80 1,544.64 1,875.99 47.04 182.59 11.00 3,661.25 188,649.16 41 28/03/2021 188,649.16 1,559.87 1,860.76 47.04 181.10 11.00 3,659.77 187,089.29
  • 3. 42 27/04/2021 187,089.29 1,575.26 1,845.37 47.04 179.61 11.00 3,658.27 185,514.03 43 27/05/2021 185,514.03 1,590.80 1,829.83 47.04 178.09 11.00 3,656.76 183,923.23 44 26/06/2021 183,923.23 1,606.49 1,814.14 47.04 176.57 11.00 3,655.24 182,316.75 45 26/07/2021 182,316.75 1,622.33 1,798.30 47.04 175.02 11.00 3,653.69 180,694.41 46 25/08/2021 180,694.41 1,638.33 1,782.29 47.04 173.47 11.00 3,652.14 179,056.08 47 24/09/2021 179,056.08 1,654.49 1,766.13 47.04 171.89 11.00 3,650.56 177,401.58 48 24/10/2021 177,401.58 1,670.81 1,749.81 47.04 170.31 11.00 3,648.97 175,730.77 49 23/11/2021 175,730.77 1,687.29 1,733.33 47.04 168.70 11.00 3,647.37 174,043.47 50 23/12/2021 174,043.47 1,703.94 1,716.69 47.04 167.08 11.00 3,645.75 172,339.54 51 22/01/2022 172,339.54 1,720.74 1,699.88 47.04 165.45 11.00 3,644.11 170,618.79 52 21/02/2022 170,618.79 1,737.72 1,682.91 47.04 163.79 11.00 3,642.46 168,881.08 53 23/03/2022 168,881.08 1,754.86 1,665.77 47.04 162.13 11.00 3,640.79 167,126.22 54 22/04/2022 167,126.22 1,772.17 1,648.46 47.04 160.44 11.00 3,639.11 165,354.06 55 22/05/2022 165,354.06 1,789.65 1,630.98 47.04 158.74 11.00 3,637.41 163,564.41 56 21/06/2022 163,564.41 1,807.30 1,613.33 47.04 157.02 11.00 3,635.69 161,757.11 57 21/07/2022 161,757.11 1,825.12 1,595.50 47.04 155.29 11.00 3,633.96 159,931.99 58 20/08/2022 159,931.99 1,843.13 1,577.50 47.04 153.53 11.00 3,632.20 158,088.86 59 19/09/2022 158,088.86 1,861.31 1,559.32 47.04 151.77 11.00 3,630.43 156,227.55 60 19/10/2022 156,227.55 1,879.67 1,540.96 47.04 149.98 11.00 3,628.65 154,347.89 61 18/11/2022 154,347.89 1,898.21 1,522.42 47.04 148.17 11.00 3,626.84 152,449.68 62 18/12/2022 152,449.68 1,916.93 1,503.70 47.04 146.35 11.00 3,625.02 150,532.75 63 17/01/2023 150,532.75 1,935.84 1,484.79 47.04 144.51 11.00 3,623.18 148,596.92 64 16/02/2023 148,596.92 1,954.93 1,465.70 47.04 142.65 11.00 3,621.32 146,641.98 65 18/03/2023 146,641.98 1,974.21 1,446.42 47.04 140.78 11.00 3,619.45 144,667.77 66 17/04/2023 144,667.77 1,993.69 1,426.94 47.04 138.88 11.00 3,617.55 142,674.08 67 17/05/2023 142,674.08 2,013.35 1,407.28 47.04 136.97 11.00 3,615.64 140,660.73 68 16/06/2023 140,660.73 2,033.21 1,387.42 47.04 135.03 11.00 3,613.70 138,627.52 69 16/07/2023 138,627.52 2,053.27 1,367.36 47.04 133.08 11.00 3,611.75 136,574.26 70 15/08/2023 136,574.26 2,073.52 1,347.11 47.04 131.11 11.00 3,609.78 134,500.74 71 14/09/2023 134,500.74 2,093.97 1,326.66 47.04 129.12 11.00 3,607.79 132,406.77 72 14/10/2023 132,406.77 2,114.62 1,306.00 47.04 127.11 11.00 3,605.78 130,292.15 73 13/11/2023 130,292.15 2,135.48 1,285.15 47.04 125.08 11.00 3,603.75 128,156.66 74 13/12/2023 128,156.66 2,156.55 1,264.08 47.04 123.03 11.00 3,601.70 126,000.12 75 12/01/2024 126,000.12 2,177.82 1,242.81 47.04 120.96 11.00 3,599.63 123,822.30 76 11/02/2024 123,822.30 2,199.30 1,221.33 47.04 118.87 11.00 3,597.54 121,623.01 77 12/03/2024 121,623.01 2,220.99 1,199.64 47.04 116.76 11.00 3,595.43 119,402.01 78 11/04/2024 119,402.01 2,242.90 1,177.73 47.04 114.63 11.00 3,593.29 117,159.12 79 11/05/2024 117,159.12 2,265.02 1,155.61 47.04 112.47 11.00 3,591.14 114,894.10 80 10/06/2024 114,894.10 2,287.36 1,133.27 47.04 110.30 11.00 3,588.97 112,606.74 81 10/07/2024 112,606.74 2,309.92 1,110.71 47.04 108.10 11.00 3,586.77 110,296.81 82 9/08/2024 110,296.81 2,332.71 1,087.92 47.04 105.88 11.00 3,584.55 107,964.10 83 8/09/2024 107,964.10 2,355.72 1,064.91 47.04 103.65 11.00 3,582.31 105,608.39 84 8/10/2024 105,608.39 2,378.95 1,041.68 47.04 101.38 11.00 3,580.05 103,229.44 85 7/11/2024 103,229.44 2,402.42 1,018.21 47.04 99.10 11.00 3,577.77 100,827.02 86 7/12/2024 100,827.02 2,426.11 994.52 47.04 96.79 11.00 3,575.46 98,400.91 87 6/01/2025 98,400.91 2,450.04 970.59 47.04 94.46 11.00 3,573.13 95,950.86
  • 4. 88 5/02/2025 95,950.86 2,474.21 946.42 47.04 92.11 11.00 3,570.78 93,476.65 89 7/03/2025 93,476.65 2,498.61 922.01 47.04 89.74 11.00 3,568.41 90,978.04 90 6/04/2025 90,978.04 2,523.26 897.37 47.04 87.34 11.00 3,566.01 88,454.78 91 6/05/2025 88,454.78 2,548.15 872.48 47.04 84.92 11.00 3,563.59 85,906.63 92 5/06/2025 85,906.63 2,573.28 847.35 47.04 82.47 11.00 3,561.14 83,333.35 93 5/07/2025 83,333.35 2,598.66 821.97 47.04 80.00 11.00 3,558.67 80,734.69 94 4/08/2025 80,734.69 2,624.30 796.33 47.04 77.51 11.00 3,556.17 78,110.39 95 3/09/2025 78,110.39 2,650.18 770.45 47.04 74.99 11.00 3,553.65 75,460.21 96 3/10/2025 75,460.21 2,676.32 744.31 47.04 72.44 11.00 3,551.11 72,783.89 97 2/11/2025 72,783.89 2,702.72 717.91 47.04 69.87 11.00 3,548.54 70,081.17 98 2/12/2025 70,081.17 2,729.38 691.25 47.04 67.28 11.00 3,545.95 67,351.79 99 1/01/2026 67,351.79 2,756.30 664.33 47.04 64.66 11.00 3,543.33 64,595.49 100 31/01/2026 64,595.49 2,783.49 637.14 47.04 62.01 11.00 3,540.68 61,812.01 101 2/03/2026 61,812.01 2,810.94 609.69 47.04 59.34 11.00 3,538.01 59,001.07 102 1/04/2026 59,001.07 2,838.67 581.96 47.04 56.64 11.00 3,535.31 56,162.40 103 1/05/2026 56,162.40 2,866.67 553.96 47.04 53.92 11.00 3,532.58 53,295.73 104 31/05/2026 53,295.73 2,894.94 525.69 47.04 51.16 11.00 3,529.83 50,400.79 105 30/06/2026 50,400.79 2,923.50 497.13 47.04 48.38 11.00 3,527.05 47,477.29 106 30/07/2026 47,477.29 2,952.33 468.30 47.04 45.58 11.00 3,524.25 44,524.96 107 29/08/2026 44,524.96 2,981.45 439.18 47.04 42.74 11.00 3,521.41 41,543.51 108 28/09/2026 41,543.51 3,010.86 409.77 47.04 39.88 11.00 3,518.55 38,532.65 109 28/10/2026 38,532.65 3,040.56 380.07 47.04 36.99 11.00 3,515.66 35,492.09 110 27/11/2026 35,492.09 3,070.55 350.08 47.04 34.07 11.00 3,512.74 32,421.54 111 27/12/2026 32,421.54 3,100.84 319.79 47.04 31.12 11.00 3,509.79 29,320.70 112 26/01/2027 29,320.70 3,131.42 289.21 47.04 28.15 11.00 3,506.82 26,189.28 113 25/02/2027 26,189.28 3,162.31 258.32 47.04 25.14 11.00 3,503.81 23,026.97 114 27/03/2027 23,026.97 3,193.50 227.13 47.04 22.11 11.00 3,500.77 19,833.47 115 26/04/2027 19,833.47 3,225.00 195.63 47.04 19.04 11.00 3,497.71 16,608.47 116 26/05/2027 16,608.47 3,256.81 163.82 47.04 15.94 11.00 3,494.61 13,351.66 117 25/06/2027 13,351.66 3,288.93 131.70 47.04 12.82 11.00 3,491.49 10,062.73 118 25/07/2027 10,062.73 3,321.37 99.25 47.04 9.66 11.00 3,488.33 6,741.35 119 24/08/2027 6,741.35 3,354.13 66.49 47.04 6.47 11.00 3,485.14 3,387.22 120 23/09/2027 3,387.22 3,387.22 33.41 47.04 3.25 11.00 3,481.92 - 0.00 17,523,323.65 240,000.00 170,475.46 433,938.65 Calculo para que las cuotas sean iguales Valor del inmueble 300,000.00 Monto del préstamo 240,000.00 Tasa del seguro de desgravamen 0.0570% Tasa del seguro todo Riesgo 0.0280% TE equivalente (TEM) 0.9864% Nueva Tasa Efectiva Mensual 1.071% Periodo Equiv. 120 meses Calculo de la cuota 3,563.14
  • 5. N° Fecha Principal Pago del Principal Pago del interes S. Imnueble S. Desgrav. Portes Pago Total P. Final 0 14/11/2017 240,000.00 - - - - - - 240,000.00 1 14/12/2017 240,000.00 991.88 2,571.26 47.04 136.80 11.00 S/ 3,563.14 239,008.12 2 13/01/2018 239,008.12 1,002.51 2,560.63 47.04 229.39 11.00 S/ 3,563.14 238,005.60 3 12/02/2018 238,005.60 1,013.25 2,549.89 47.04 228.37 11.00 S/ 3,563.14 236,992.35 4 14/03/2018 236,992.35 1,024.11 2,539.04 47.04 227.34 11.00 S/ 3,563.14 235,968.24 5 13/04/2018 235,968.24 1,035.08 2,528.06 47.04 226.29 11.00 S/ 3,563.14 234,933.16 6 13/05/2018 234,933.16 1,046.17 2,516.98 47.04 225.24 11.00 S/ 3,563.14 233,887.00 7 12/06/2018 233,887.00 1,057.38 2,505.77 47.04 224.18 11.00 S/ 3,563.14 232,829.62 8 12/07/2018 232,829.62 1,068.71 2,494.44 47.04 223.11 11.00 S/ 3,563.14 231,760.91 9 11/08/2018 231,760.91 1,080.15 2,482.99 47.04 222.03 11.00 S/ 3,563.14 230,680.76 10 10/09/2018 230,680.76 1,091.73 2,471.42 47.04 220.93 11.00 S/ 3,563.14 229,589.03 11 10/10/2018 229,589.03 1,103.42 2,459.72 47.04 219.83 11.00 S/ 3,563.14 228,485.61 12 9/11/2018 228,485.61 1,115.25 2,447.90 47.04 218.71 11.00 S/ 3,563.14 227,370.36 13 9/12/2018 227,370.36 1,127.19 2,435.95 47.04 217.58 11.00 S/ 3,563.14 226,243.17 14 8/01/2019 226,243.17 1,139.27 2,423.87 47.04 216.45 11.00 S/ 3,563.14 225,103.90 15 7/02/2019 225,103.90 1,151.48 2,411.67 47.04 215.30 11.00 S/ 3,563.14 223,952.42 16 9/03/2019 223,952.42 1,163.81 2,399.33 47.04 214.14 11.00 S/ 3,563.14 222,788.61 17 8/04/2019 222,788.61 1,176.28 2,386.86 47.04 212.97 11.00 S/ 3,563.14 221,612.33 18 8/05/2019 221,612.33 1,188.88 2,374.26 47.04 211.78 11.00 S/ 3,563.14 220,423.45 19 7/06/2019 220,423.45 1,201.62 2,361.52 47.04 210.59 11.00 S/ 3,563.14 219,221.83 20 7/07/2019 219,221.83 1,214.49 2,348.65 47.04 209.38 11.00 S/ 3,563.14 218,007.34 21 6/08/2019 218,007.34 1,227.51 2,335.64 47.04 208.16 11.00 S/ 3,563.14 216,779.83 22 5/09/2019 216,779.83 1,240.66 2,322.49 47.04 206.93 11.00 S/ 3,563.14 215,539.17 23 5/10/2019 215,539.17 1,253.95 2,309.20 47.04 205.69 11.00 S/ 3,563.14 214,285.23 24 4/11/2019 214,285.23 1,267.38 2,295.76 47.04 204.43 11.00 S/ 3,563.14 213,017.84 25 4/12/2019 213,017.84 1,280.96 2,282.18 47.04 203.17 11.00 S/ 3,563.14 211,736.88 26 3/01/2020 211,736.88 1,294.68 2,268.46 47.04 201.89 11.00 S/ 3,563.14 210,442.20 27 2/02/2020 210,442.20 1,308.55 2,254.59 47.04 200.60 11.00 S/ 3,563.14 209,133.65 28 3/03/2020 209,133.65 1,322.57 2,240.57 47.04 199.29 11.00 S/ 3,563.14 207,811.07 29 2/04/2020 207,811.07 1,336.74 2,226.40 47.04 197.97 11.00 S/ 3,563.14 206,474.33 30 2/05/2020 206,474.33 1,351.06 2,212.08 47.04 196.64 11.00 S/ 3,563.14 205,123.26 31 1/06/2020 205,123.26 1,365.54 2,197.60 47.04 195.30 11.00 S/ 3,563.14 203,757.72 32 1/07/2020 203,757.72 1,380.17 2,182.97 47.04 193.94 11.00 S/ 3,563.14 202,377.55 33 31/07/2020 202,377.55 1,394.96 2,168.19 47.04 192.57 11.00 S/ 3,563.14 200,982.60 34 30/08/2020 200,982.60 1,409.90 2,153.24 47.04 191.18 11.00 S/ 3,563.14 199,572.70 35 29/09/2020 199,572.70 1,425.01 2,138.14 47.04 189.79 11.00 S/ 3,563.14 198,147.69 36 29/10/2020 198,147.69 1,440.27 2,122.87 47.04 188.37 11.00 S/ 3,563.14 196,707.42 37 28/11/2020 196,707.42 1,455.70 2,107.44 47.04 186.95 11.00 S/ 3,563.14 195,251.72 38 28/12/2020 195,251.72 1,471.30 2,091.84 47.04 185.51 11.00 S/ 3,563.14 193,780.42 39 27/01/2021 193,780.42 1,487.06 2,076.08 47.04 184.05 11.00 S/ 3,563.14 192,293.35 40 26/02/2021 192,293.35 1,502.99 2,060.15 47.04 182.59 11.00 S/ 3,563.14 190,790.36 41 28/03/2021 190,790.36 1,519.10 2,044.05 47.04 181.10 11.00 S/ 3,563.14 189,271.26 42 27/04/2021 189,271.26 1,535.37 2,027.77 47.04 179.61 11.00 S/ 3,563.14 187,735.89
  • 6. 43 27/05/2021 187,735.89 1,551.82 2,011.32 47.04 178.09 11.00 S/ 3,563.14 186,184.07 44 26/06/2021 186,184.07 1,568.45 1,994.70 47.04 176.57 11.00 S/ 3,563.14 184,615.63 45 26/07/2021 184,615.63 1,585.25 1,977.89 47.04 175.02 11.00 S/ 3,563.14 183,030.38 46 25/08/2021 183,030.38 1,602.23 1,960.91 47.04 173.47 11.00 S/ 3,563.14 181,428.14 47 24/09/2021 181,428.14 1,619.40 1,943.75 47.04 171.89 11.00 S/ 3,563.14 179,808.74 48 24/10/2021 179,808.74 1,636.75 1,926.40 47.04 170.31 11.00 S/ 3,563.14 178,171.99 49 23/11/2021 178,171.99 1,654.28 1,908.86 47.04 168.70 11.00 S/ 3,563.14 176,517.71 50 23/12/2021 176,517.71 1,672.01 1,891.14 47.04 167.08 11.00 S/ 3,563.14 174,845.70 51 22/01/2022 174,845.70 1,689.92 1,873.22 47.04 165.45 11.00 S/ 3,563.14 173,155.78 52 21/02/2022 173,155.78 1,708.03 1,855.12 47.04 163.79 11.00 S/ 3,563.14 171,447.76 53 23/03/2022 171,447.76 1,726.32 1,836.82 47.04 162.13 11.00 S/ 3,563.14 169,721.43 54 22/04/2022 169,721.43 1,744.82 1,818.32 47.04 160.44 11.00 S/ 3,563.14 167,976.61 55 22/05/2022 167,976.61 1,763.51 1,799.63 47.04 158.74 11.00 S/ 3,563.14 166,213.10 56 21/06/2022 166,213.10 1,782.41 1,780.74 47.04 157.02 11.00 S/ 3,563.14 164,430.69 57 21/07/2022 164,430.69 1,801.50 1,761.64 47.04 155.29 11.00 S/ 3,563.14 162,629.19 58 20/08/2022 162,629.19 1,820.80 1,742.34 47.04 153.53 11.00 S/ 3,563.14 160,808.39 59 19/09/2022 160,808.39 1,840.31 1,722.83 47.04 151.77 11.00 S/ 3,563.14 158,968.08 60 19/10/2022 158,968.08 1,860.03 1,703.12 47.04 149.98 11.00 S/ 3,563.14 157,108.05 61 18/11/2022 157,108.05 1,879.95 1,683.19 47.04 148.17 11.00 S/ 3,563.14 155,228.09 62 18/12/2022 155,228.09 1,900.10 1,663.05 47.04 146.35 11.00 S/ 3,563.14 153,328.00 63 17/01/2023 153,328.00 1,920.45 1,642.69 47.04 144.51 11.00 S/ 3,563.14 151,407.55 64 16/02/2023 151,407.55 1,941.03 1,622.12 47.04 142.65 11.00 S/ 3,563.14 149,466.52 65 18/03/2023 149,466.52 1,961.82 1,601.32 47.04 140.78 11.00 S/ 3,563.14 147,504.70 66 17/04/2023 147,504.70 1,982.84 1,580.30 47.04 138.88 11.00 S/ 3,563.14 145,521.86 67 17/05/2023 145,521.86 2,004.08 1,559.06 47.04 136.97 11.00 S/ 3,563.14 143,517.77 68 16/06/2023 143,517.77 2,025.55 1,537.59 47.04 135.03 11.00 S/ 3,563.14 141,492.22 69 16/07/2023 141,492.22 2,047.26 1,515.89 47.04 133.08 11.00 S/ 3,563.14 139,444.96 70 15/08/2023 139,444.96 2,069.19 1,493.95 47.04 131.11 11.00 S/ 3,563.14 137,375.77 71 14/09/2023 137,375.77 2,091.36 1,471.79 47.04 129.12 11.00 S/ 3,563.14 135,284.41 72 14/10/2023 135,284.41 2,113.76 1,449.38 47.04 127.11 11.00 S/ 3,563.14 133,170.65 73 13/11/2023 133,170.65 2,136.41 1,426.73 47.04 125.08 11.00 S/ 3,563.14 131,034.24 74 13/12/2023 131,034.24 2,159.30 1,403.85 47.04 123.03 11.00 S/ 3,563.14 128,874.94 75 12/01/2024 128,874.94 2,182.43 1,380.71 47.04 120.96 11.00 S/ 3,563.14 126,692.51 76 11/02/2024 126,692.51 2,205.81 1,357.33 47.04 118.87 11.00 S/ 3,563.14 124,486.70 77 12/03/2024 124,486.70 2,229.45 1,333.70 47.04 116.76 11.00 S/ 3,563.14 122,257.25 78 11/04/2024 122,257.25 2,253.33 1,309.81 47.04 114.63 11.00 S/ 3,563.14 120,003.92 79 11/05/2024 120,003.92 2,277.47 1,285.67 47.04 112.47 11.00 S/ 3,563.14 117,726.45 80 10/06/2024 117,726.45 2,301.87 1,261.27 47.04 110.30 11.00 S/ 3,563.14 115,424.57 81 10/07/2024 115,424.57 2,326.53 1,236.61 47.04 108.10 11.00 S/ 3,563.14 113,098.04 82 9/08/2024 113,098.04 2,351.46 1,211.68 47.04 105.88 11.00 S/ 3,563.14 110,746.58 83 8/09/2024 110,746.58 2,376.65 1,186.49 47.04 103.65 11.00 S/ 3,563.14 108,369.93 84 8/10/2024 108,369.93 2,402.11 1,161.03 47.04 101.38 11.00 S/ 3,563.14 105,967.82 85 7/11/2024 105,967.82 2,427.85 1,135.29 47.04 99.10 11.00 S/ 3,563.14 103,539.97 86 7/12/2024 103,539.97 2,453.86 1,109.28 47.04 96.79 11.00 S/ 3,563.14 101,086.11 87 6/01/2025 101,086.11 2,480.15 1,082.99 47.04 94.46 11.00 S/ 3,563.14 98,605.96 88 5/02/2025 98,605.96 2,506.72 1,056.42 47.04 92.11 11.00 S/ 3,563.14 96,099.23
  • 7. 89 7/03/2025 96,099.23 2,533.58 1,029.57 47.04 89.74 11.00 S/ 3,563.14 93,565.66 90 6/04/2025 93,565.66 2,560.72 1,002.42 47.04 87.34 11.00 S/ 3,563.14 91,004.94 91 6/05/2025 91,004.94 2,588.16 974.99 47.04 84.92 11.00 S/ 3,563.14 88,416.78 92 5/06/2025 88,416.78 2,615.88 947.26 47.04 82.47 11.00 S/ 3,563.14 85,800.90 93 5/07/2025 85,800.90 2,643.91 919.23 47.04 80.00 11.00 S/ 3,563.14 83,156.99 94 4/08/2025 83,156.99 2,672.24 890.91 47.04 77.51 11.00 S/ 3,563.14 80,484.75 95 3/09/2025 80,484.75 2,700.86 862.28 47.04 74.99 11.00 S/ 3,563.14 77,783.89 96 3/10/2025 77,783.89 2,729.80 833.34 47.04 72.44 11.00 S/ 3,563.14 75,054.09 97 2/11/2025 75,054.09 2,759.05 804.10 47.04 69.87 11.00 S/ 3,563.14 72,295.04 98 2/12/2025 72,295.04 2,788.61 774.54 47.04 67.28 11.00 S/ 3,563.14 69,506.44 99 1/01/2026 69,506.44 2,818.48 744.66 47.04 64.66 11.00 S/ 3,563.14 66,687.95 100 31/01/2026 66,687.95 2,848.68 714.47 47.04 62.01 11.00 S/ 3,563.14 63,839.28 101 2/03/2026 63,839.28 2,879.20 683.95 47.04 59.34 11.00 S/ 3,563.14 60,960.08 102 1/04/2026 60,960.08 2,910.04 653.10 47.04 56.64 11.00 S/ 3,563.14 58,050.04 103 1/05/2026 58,050.04 2,941.22 621.92 47.04 53.92 11.00 S/ 3,563.14 55,108.82 104 31/05/2026 55,108.82 2,972.73 590.41 47.04 51.16 11.00 S/ 3,563.14 52,136.08 105 30/06/2026 52,136.08 3,004.58 558.56 47.04 48.38 11.00 S/ 3,563.14 49,131.50 106 30/07/2026 49,131.50 3,036.77 526.37 47.04 45.58 11.00 S/ 3,563.14 46,094.73 107 29/08/2026 46,094.73 3,069.30 493.84 47.04 42.74 11.00 S/ 3,563.14 43,025.43 108 28/09/2026 43,025.43 3,102.19 460.96 47.04 39.88 11.00 S/ 3,563.14 39,923.24 109 28/10/2026 39,923.24 3,135.42 427.72 47.04 36.99 11.00 S/ 3,563.14 36,787.82 110 27/11/2026 36,787.82 3,169.01 394.13 47.04 34.07 11.00 S/ 3,563.14 33,618.80 111 27/12/2026 33,618.80 3,202.97 360.18 47.04 31.12 11.00 S/ 3,563.14 30,415.84 112 26/01/2027 30,415.84 3,237.28 325.86 47.04 28.15 11.00 S/ 3,563.14 27,178.56 113 25/02/2027 27,178.56 3,271.96 291.18 47.04 25.14 11.00 S/ 3,563.14 23,906.59 114 27/03/2027 23,906.59 3,307.02 256.13 47.04 22.11 11.00 S/ 3,563.14 20,599.57 115 26/04/2027 20,599.57 3,342.45 220.70 47.04 19.04 11.00 S/ 3,563.14 17,257.12 116 26/05/2027 17,257.12 3,378.26 184.89 47.04 15.94 11.00 S/ 3,563.14 13,878.87 117 25/06/2027 13,878.87 3,414.45 148.69 47.04 12.82 11.00 S/ 3,563.14 10,464.41 118 25/07/2027 10,464.41 3,451.03 112.11 47.04 9.66 11.00 S/ 3,563.14 7,013.38 119 24/08/2027 7,013.38 3,488.01 75.14 47.04 6.47 11.00 S/ 3,563.14 3,525.37 120 23/09/2027 3,525.37 3,525.37 37.77 47.04 3.25 11.00 S/ 3,563.14 - 17,748,367.08 240,000.00 187,577.30 427,577.30 Caso de incumplimiento de Pagos Teniendo en cuenta el cronograma calculado anteriormente, el cliente se retrasa 08 días en el pago de la cuota número 10. Periodo Dias de atraso Principal Pago del Principal Pago del interes S. Imnueble S. Desgrav. Portes Pago Total P. Final 10 8 230,136.90 1,150.65 2,269.97 47.04 220.93 11.00 3,699.60 228,986.24 Interés compensatorio 8.96 Interés moratorio 18.02 Entonces, la cuota de atraso seria: C.A. = 3,726.58