Clculo de la cuota mensual

Principal
TEA
TEM
N de periodos

$ 186,359.98
14.70%
1.15%
60 Meses

Importe Total
de intereses

$ 72,621.71

Pago Total

$ 258,981.64

cuota mensual

$ 4,316.36

Cuadro de Servicio de la deuda tomando como datos la informacin entregada por el

cliente. Prestamo de un Principal de $ 186,359.98 con una tasa efectiva anual de 14.7%
por un periodo de cinco aos y considerando pagos peridicos mensuales.
La TEA debera considerar todos los gastos, sin embargo algunas entidades
financieras utilizan nuevos terminos que a su criterio incluiran todas los gastos de la
deuda

n cuota
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
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45

Principal
186,359.98
184,185.78
181,986.58
179,762.10
177,512.06
175,236.15
172,934.08
170,605.55
168,250.25
165,867.88
163,458.12
161,020.67
158,555.19
156,061.38
153,538.90
150,987.43
148,406.62
145,796.16
143,155.68
140,484.85
137,783.33
135,050.75
132,286.76
129,491.00
126,663.10
123,802.69
120,909.41
117,982.87
115,022.69
112,028.48
108,999.86
105,936.42
102,837.77
99,703.50
96,533.20
93,326.46
90,082.86
86,801.98
83,483.38
80,126.64
76,731.31
73,296.96
69,823.13
66,309.36
62,755.21

interes
amortizacin
2,142.16
2,174.20
2,117.16
2,199.20
2,091.88
2,224.48
2,066.32
2,250.05
2,040.45
2,275.91
2,014.29
2,302.07
1,987.83
2,328.53
1,961.06
2,355.30
1,933.99
2,382.37
1,906.60
2,409.76
1,878.91
2,437.46
1,850.89
2,465.47
1,822.55
2,493.81
1,793.88
2,522.48
1,764.89
2,551.47
1,735.56
2,580.80
1,705.89
2,610.47
1,675.89
2,640.47
1,645.53
2,670.83
1,614.83
2,701.53
1,583.78
2,732.58
1,552.37
2,763.99
1,520.60
2,795.76
1,488.46
2,827.90
1,455.96
2,860.40
1,423.08
2,893.28
1,389.82
2,926.54
1,356.18
2,960.18
1,322.15
2,994.21
1,287.74
3,028.62
1,252.92
3,063.44
1,217.71
3,098.65
1,182.09
3,134.27
1,146.06
3,170.30
1,109.62
3,206.74
1,072.76
3,243.60
1,035.48
3,280.88
997.76
3,318.60
959.62
3,356.74
921.03
3,395.33
882.00
3,434.36
842.53
3,473.83
802.60
3,513.76
762.21
3,554.15
721.35
3,595.01

cuota
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36

46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

59,160.20
55,523.87
51,845.74
48,125.33
44,362.16
40,555.73
36,705.55
32,811.11
28,871.90
24,887.41
20,857.13
16,780.51
12,657.04
8,486.17
4,267.35

680.03
638.23
595.95
553.19
509.93
466.18
421.92
377.15
331.87
286.07
239.75
192.89
145.49
97.55
49.05

Total Interes

3,636.33
3,678.13
3,720.41
3,763.17
3,806.43
3,850.18
3,894.44
3,939.21
3,984.49
4,030.29
4,076.61
4,123.47
4,170.87
4,218.81
4,267.31

72,621.71

Conversin de la TEA en TEM

TEA
TEM

14.70%
1.15%

Conversin de la TEM en TEA

TEM
TEA

1.15%
14.70%

4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36
4,316.36