TASA DE COSTO EFECTIVO ANUAL (TCEA)

PRESTAMO VEHICULAR 10000

BANCO A BANCO B
TEA 14% 13.25%
COMISION DE EVALUACION 150.00 215.00 AL INICIO
GASTOS LEGALES 80.00 120.00 AL INICIO
SEGURO VEHICULAR 0.75% 1.25% MENSUALES
SEGURO DESGRABAMEN 0.05% 0.08% MENSUALES
PORTES 10.00 15.00 MENSUALES
GASTOS LEGALES 80.00 120.00 AL FINAL

TCEA 23% 24%

CALCULO DE TCEA

PRESTAMO 10000
TEA 15%
TEM 1.1715%
PLAZO 5 AÑOS
CUOTAS MENSUALES CONSTSNTES
COMISION 300 MOMENTO 0
PORTES 15 MESUALES
GASTOS LEG 200 MOMENTO 0 TCEA
GASTOS LEG 200 FINAL DEL CRONOGRAMA TCEM

CUOTA DEL
FINANCIAMI
ENTO
PERIODO INT A A+I SALDO COSTOS CUOTA REAL
0 - - - 10,000.00 500.00 - 9,500.00
1 117.15 $115.83 $232.98 9,884.17 15.00 $247.98
2 115.79 $117.19 $232.98 9,766.98 15.00 $247.98
3 114.42 $118.56 $232.98 9,648.41 15.00 $247.98
4 113.03 $119.95 $232.98 9,528.46 15.00 $247.98
5 111.63 $121.36 $232.98 9,407.10 15.00 $247.98
6 110.20 $122.78 $232.98 9,284.32 15.00 $247.98
7 108.77 $124.22 $232.98 9,160.11 15.00 $247.98
8 107.31 $125.67 $232.98 9,034.43 15.00 $247.98
9 105.84 $127.15 $232.98 8,907.29 15.00 $247.98
10 104.35 $128.63 $232.98 8,778.65 15.00 $247.98
11 102.84 $130.14 $232.98 8,648.51 15.00 $247.98
12 101.32 $131.67 $232.98 8,516.84 15.00 $247.98
13 99.77 $133.21 $232.98 8,383.64 15.00 $247.98
14 98.21 $134.77 $232.98 8,248.87 15.00 $247.98
15 96.63 $136.35 $232.98 8,112.52 15.00 $247.98
16 95.04 $137.95 $232.98 7,974.57 15.00 $247.98
17 93.42 $139.56 $232.98 7,835.01 15.00 $247.98
18 91.79 $141.20 $232.98 7,693.82 15.00 $247.98
19 90.13 $142.85 $232.98 7,550.97 15.00 $247.98
20 88.46 $144.52 $232.98 7,406.44 15.00 $247.98
21 86.77 $146.22 $232.98 7,260.22 15.00 $247.98
22 85.05 $147.93 $232.98 7,112.29 15.00 $247.98
23 83.32 $149.66 $232.98 6,962.63 15.00 $247.98
24 81.57 $151.42 $232.98 6,811.22 15.00 $247.98
25 79.79 $153.19 $232.98 6,658.03 15.00 $247.98
26 78.00 $154.98 $232.98 6,503.04 15.00 $247.98
27 76.18 $156.80 $232.98 6,346.24 15.00 $247.98
28 74.35 $158.64 $232.98 6,187.60 15.00 $247.98
29 72.49 $160.50 $232.98 6,027.11 15.00 $247.98
30 70.61 $162.38 $232.98 5,864.73 15.00 $247.98
31 68.70 $164.28 $232.98 5,700.45 15.00 $247.98
32 66.78 $166.20 $232.98 5,534.25 15.00 $247.98
33 64.83 $168.15 $232.98 5,366.10 15.00 $247.98
34 62.86 $170.12 $232.98 5,195.98 15.00 $247.98
35 60.87 $172.11 $232.98 5,023.87 15.00 $247.98
36 58.85 $174.13 $232.98 4,849.74 15.00 $247.98
37 56.81 $176.17 $232.98 4,673.57 15.00 $247.98
38 54.75 $178.23 $232.98 4,495.34 15.00 $247.98
39 52.66 $180.32 $232.98 4,315.02 15.00 $247.98
40 50.55 $182.43 $232.98 4,132.59 15.00 $247.98
41 48.41 $184.57 $232.98 3,948.02 15.00 $247.98
42 46.25 $186.73 $232.98 3,761.29 15.00 $247.98
43 44.06 $188.92 $232.98 3,572.37 15.00 $247.98
44 41.85 $191.13 $232.98 3,381.23 15.00 $247.98
45 39.61 $193.37 $232.98 3,187.86 15.00 $247.98
46 37.35 $195.64 $232.98 2,992.23 15.00 $247.98
47 35.05 $197.93 $232.98 2,794.30 15.00 $247.98
48 32.73 $200.25 $232.98 2,594.05 15.00 $247.98
49 30.39 $202.59 $232.98 2,391.45 15.00 $247.98
50 28.02 $204.97 $232.98 2,186.49 15.00 $247.98
51 25.61 $207.37 $232.98 1,979.12 15.00 $247.98
52 23.19 $209.80 $232.98 1,769.32 15.00 $247.98
53 20.73 $212.26 $232.98 1,557.07 15.00 $247.98
54 18.24 $214.74 $232.98 1,342.32 15.00 $247.98
55 15.73 $217.26 $232.98 1,125.07 15.00 $247.98
56 13.18 $219.80 $232.98 905.26 15.00 $247.98
57 10.61 $222.38 $232.98 682.89 15.00 $247.98
58 8.00 $224.98 $232.98 457.90 15.00 $247.98
59 5.36 $227.62 $232.98 230.29 15.00 $247.98
60 2.70 $230.29 $232.98 0.00 215.00 $447.98
21.547%
1.6394%
CREDITO 200000 PERIODO INT
CUOTAS CONSTANTES 0 0
PERIODO 15 AÑOS 1 2342.98
TEA 15% 2 2339.14
TEM 1.171% 3 2335.25
4 2331.31
CUOTAS 180 MENSUALES 5 2327.33
R $2,671.27 6 2323.30
7 2319.22
PERIODO 0: 198000 PERIODO 1-180: $2,675.77 8 2315.10
200000 $2,671.27 9 2310.93
-2000 3.00 10 2306.70
1.50 11 2302.43
12 2298.11
TCEM 13 2293.74
14 2289.32
15 2284.84
16 2280.32
17 2275.74
18 2271.10
19 2266.42
20 2261.67
21 2256.87
22 2252.02
23 2247.11
24 2242.14
25 2237.11
26 2232.03
27 2226.88
28 2221.67
29 2216.41
30 2211.08
31 2205.69
32 2200.23
33 2194.72
34 2189.13
35 2183.48
36 2177.77
37 2171.99
38 2166.14
39 2160.22
40 2154.24
41 2148.18
42 2142.05
43 2135.85
44 2129.58
45 2123.23
46 2116.81
47 2110.32
48 2103.75
49 2097.10
50 2090.37
51 2083.57
52 2076.68
53 2069.71
54 2062.67
55 2055.54
56 2048.32
57 2041.03
58 2033.64
59 2026.17
60 2018.62
61 2010.97
62 2003.24
63 1995.41
64 1987.49
65 1979.48
66 1971.38
67 1963.18
68 1954.88
69 1946.49
70 1938.00
71 1929.41
72 1920.72
73 1911.93
74 1903.03
75 1894.03
76 1884.93
 77 1875.71
78 1866.39
79 1856.97
80 1847.43
81 1837.77
82 1828.01
83 1818.13
84 1808.14
85 1798.03
86 1787.80
87 1777.45
88 1766.97
89 1756.38
90 1745.66
91 1734.82
92 1723.85
93 1712.75
94 1701.52
95 1690.16
96 1678.67
97 1667.04
98 1655.27
99 1643.37
100 1631.33
101 1619.15
102 1606.82
103 1594.35
104 1581.74
105 1568.97
106 1556.06
107 1542.99
108 1529.78
109 1516.40
110 1502.88
111 1489.19
112 1475.34
113 1461.33
114 1447.16
115 1432.82
116 1418.31
117 1403.63
118 1388.78
119 1373.75
120 1358.55
121 1343.18
122 1327.62
123 1311.88
124 1295.95
125 1279.84
126 1263.54
127 1247.05
128 1230.36
129 1213.48
130 1196.40
131 1179.13
132 1161.65
133 1143.96
134 1126.07
135 1107.97
136 1089.65
137 1071.13
138 1052.38
139 1033.41
140 1014.23
141 994.81
142 975.18
143 955.31
144 935.20
145 914.87
146 894.29
147 873.47
148 852.41
149 831.10
150 809.55
151 787.74
152 765.67
153 743.35
154 720.76
155 697.91
156 674.79
157 651.41
158 627.74
159 603.80
160 579.58
161 555.08
162 530.29
163 505.21
164 479.83
165 454.16
166 428.19
167 401.91
168 375.32
169 348.43
170 321.21
171 293.68
172 265.83
173 237.65
174 209.14
175 180.30
176 151.12
177 121.59
178 91.72
179 61.50
180 30.93
 TCEM 1.1910%
TCEA 15.27%

A A+I SALDO COSTOS CUOTA REAL

0 0 200000 -2000 -198000
328.28 2671.27 199,671.72 4.50 2675.77
332.13 2671.27 199339.59 4.50 2675.77
336.02 2671.27 199003.57 4.50 2675.77
339.96 2671.27 198663.61 4.50 2675.77
343.94 2671.27 198319.67 4.50 2675.77
347.97 2671.27 197971.70 4.50 2675.77
352.05 2671.27 197619.65 4.50 2675.77
356.17 2671.27 197263.48 4.50 2675.77
360.34 2671.27 196903.14 4.50 2675.77
364.56 2671.27 196538.58 4.50 2675.77
368.83 2671.27 196169.74 4.50 2675.77
373.16 2671.27 195796.59 4.50 2675.77
377.53 2671.27 195419.06 4.50 2675.77
381.95 2671.27 195037.11 4.50 2675.77
386.42 2671.27 194650.69 4.50 2675.77
390.95 2671.27 194259.74 4.50 2675.77
395.53 2671.27 193864.21 4.50 2675.77
400.16 2671.27 193464.04 4.50 2675.77
404.85 2671.27 193059.19 4.50 2675.77
409.60 2671.27 192649.60 4.50 2675.77
414.39 2671.27 192235.20 4.50 2675.77
419.25 2671.27 191815.96 4.50 2675.77
424.16 2671.27 191391.80 4.50 2675.77
429.13 2671.27 190962.67 4.50 2675.77
434.16 2671.27 190528.51 4.50 2675.77
439.24 2671.27 190089.27 4.50 2675.77
444.39 2671.27 189644.88 4.50 2675.77
449.59 2671.27 189195.29 4.50 2675.77
454.86 2671.27 188740.43 4.50 2675.77
460.19 2671.27 188280.24 4.50 2675.77
465.58 2671.27 187814.66 4.50 2675.77
471.03 2671.27 187343.63 4.50 2675.77
476.55 2671.27 186867.07 4.50 2675.77
482.14 2671.27 186384.94 4.50 2675.77
487.78 2671.27 185897.15 4.50 2675.77
493.50 2671.27 185403.66 4.50 2675.77
499.28 2671.27 184904.38 4.50 2675.77
505.13 2671.27 184399.25 4.50 2675.77
511.05 2671.27 183888.20 4.50 2675.77
517.03 2671.27 183371.17 4.50 2675.77
523.09 2671.27 182848.08 4.50 2675.77
529.22 2671.27 182318.87 4.50 2675.77
535.42 2671.27 181783.45 4.50 2675.77
541.69 2671.27 181241.76 4.50 2675.77
548.04 2671.27 180693.72 4.50 2675.77
554.46 2671.27 180139.27 4.50 2675.77
560.95 2671.27 179578.32 4.50 2675.77
567.52 2671.27 179010.79 4.50 2675.77
574.17 2671.27 178436.62 4.50 2675.77
580.90 2671.27 177855.73 4.50 2675.77
587.70 2671.27 177268.02 4.50 2675.77
594.59 2671.27 176673.44 4.50 2675.77
601.55 2671.27 176071.88 4.50 2675.77
608.60 2671.27 175463.28 4.50 2675.77
615.73 2671.27 174847.56 4.50 2675.77
622.94 2671.27 174224.61 4.50 2675.77
630.24 2671.27 173594.37 4.50 2675.77
637.62 2671.27 172956.75 4.50 2675.77
645.09 2671.27 172311.65 4.50 2675.77
652.65 2671.27 171659.00 4.50 2675.77
660.30 2671.27 170998.71 4.50 2675.77
668.03 2671.27 170330.68 4.50 2675.77
675.86 2671.27 169654.82 4.50 2675.77
683.78 2671.27 168971.04 4.50 2675.77
691.79 2671.27 168279.26 4.50 2675.77
699.89 2671.27 167579.37 4.50 2675.77
708.09 2671.27 166871.28 4.50 2675.77
716.38 2671.27 166154.89 4.50 2675.77
724.78 2671.27 165430.12 4.50 2675.77
733.27 2671.27 164696.85 4.50 2675.77
741.86 2671.27 163954.99 4.50 2675.77
750.55 2671.27 163204.44 4.50 2675.77
759.34 2671.27 162445.10 4.50 2675.77
768.24 2671.27 161676.87 4.50 2675.77
777.24 2671.27 160899.63 4.50 2675.77
786.34 2671.27 160113.29 4.50 2675.77
 795.55 2671.27 159317.73 4.50 2675.77
804.87 2671.27 158512.86 4.50 2675.77
814.30 2671.27 157698.56 4.50 2675.77
823.84 2671.27 156874.72 4.50 2675.77
833.49 2671.27 156041.22 4.50 2675.77
843.26 2671.27 155197.97 4.50 2675.77
853.14 2671.27 154344.83 4.50 2675.77
863.13 2671.27 153481.70 4.50 2675.77
873.24 2671.27 152608.46 4.50 2675.77
883.47 2671.27 151724.99 4.50 2675.77
893.82 2671.27 150831.16 4.50 2675.77
904.29 2671.27 149926.87 4.50 2675.77
914.89 2671.27 149011.98 4.50 2675.77
925.60 2671.27 148086.38 4.50 2675.77
936.45 2671.27 147149.93 4.50 2675.77
947.42 2671.27 146202.51 4.50 2675.77
958.52 2671.27 145244.00 4.50 2675.77
969.75 2671.27 144274.25 4.50 2675.77
981.11 2671.27 143293.14 4.50 2675.77
992.60 2671.27 142300.54 4.50 2675.77
1004.23 2671.27 141296.32 4.50 2675.77
1015.99 2671.27 140280.32 4.50 2675.77
1027.90 2671.27 139252.43 4.50 2675.77
1039.94 2671.27 138212.49 4.50 2675.77
1052.12 2671.27 137160.37 4.50 2675.77
1064.45 2671.27 136095.93 4.50 2675.77
1076.91 2671.27 135019.01 4.50 2675.77
1089.53 2671.27 133929.48 4.50 2675.77
1102.29 2671.27 132827.19 4.50 2675.77
1115.21 2671.27 131711.98 4.50 2675.77
1128.27 2671.27 130583.71 4.50 2675.77
1141.49 2671.27 129442.22 4.50 2675.77
1154.86 2671.27 128287.35 4.50 2675.77
1168.39 2671.27 127118.96 4.50 2675.77
1182.08 2671.27 125936.88 4.50 2675.77
1195.93 2671.27 124740.95 4.50 2675.77
1209.94 2671.27 123531.02 4.50 2675.77
1224.11 2671.27 122306.90 4.50 2675.77
1238.45 2671.27 121068.45 4.50 2675.77
1252.96 2671.27 119815.49 4.50 2675.77
1267.64 2671.27 118547.85 4.50 2675.77
1282.49 2671.27 117265.36 4.50 2675.77
1297.51 2671.27 115967.85 4.50 2675.77
1312.71 2671.27 114655.14 4.50 2675.77
1328.09 2671.27 113327.04 4.50 2675.77
1343.65 2671.27 111983.39 4.50 2675.77
1359.39 2671.27 110624.00 4.50 2675.77
1375.32 2671.27 109248.69 4.50 2675.77
1391.43 2671.27 107857.26 4.50 2675.77
1407.73 2671.27 106449.53 4.50 2675.77
1424.22 2671.27 105025.31 4.50 2675.77
1440.90 2671.27 103584.41 4.50 2675.77
1457.78 2671.27 102126.62 4.50 2675.77
1474.86 2671.27 100651.76 4.50 2675.77
1492.14 2671.27 99159.62 4.50 2675.77
1509.62 2671.27 97650.00 4.50 2675.77
1527.31 2671.27 96122.69 4.50 2675.77
1545.20 2671.27 94577.49 4.50 2675.77
1563.30 2671.27 93014.19 4.50 2675.77
1581.61 2671.27 91432.58 4.50 2675.77
1600.14 2671.27 89832.44 4.50 2675.77
1618.89 2671.27 88213.55 4.50 2675.77
1637.85 2671.27 86575.70 4.50 2675.77
1657.04 2671.27 84918.66 4.50 2675.77
1676.45 2671.27 83242.20 4.50 2675.77
1696.09 2671.27 81546.11 4.50 2675.77
1715.96 2671.27 79830.15 4.50 2675.77
1736.06 2671.27 78094.09 4.50 2675.77
1756.40 2671.27 76337.68 4.50 2675.77
1776.98 2671.27 74560.71 4.50 2675.77
1797.79 2671.27 72762.91 4.50 2675.77
1818.86 2671.27 70944.06 4.50 2675.77
1840.16 2671.27 69103.89 4.50 2675.77
1861.72 2671.27 67242.17 4.50 2675.77
1883.53 2671.27 65358.64 4.50 2675.77
1905.60 2671.27 63453.04 4.50 2675.77
1927.92 2671.27 61525.12 4.50 2675.77
1950.51 2671.27 59574.62 4.50 2675.77
1973.36 2671.27 57601.26 4.50 2675.77
1996.47 2671.27 55604.79 4.50 2675.77
2019.86 2671.27 53584.93 4.50 2675.77
2043.52 2671.27 51541.40 4.50 2675.77
2067.46 2671.27 49473.94 4.50 2675.77
2091.68 2671.27 47382.25 4.50 2675.77
2116.19 2671.27 45266.07 4.50 2675.77
2140.98 2671.27 43125.09 4.50 2675.77
2166.06 2671.27 40959.03 4.50 2675.77
2191.44 2671.27 38767.59 4.50 2675.77
2217.11 2671.27 36550.48 4.50 2675.77
2243.08 2671.27 34307.40 4.50 2675.77
2269.36 2671.27 32038.04 4.50 2675.77
2295.94 2671.27 29742.10 4.50 2675.77
2322.84 2671.27 27419.25 4.50 2675.77
2350.05 2671.27 25069.20 4.50 2675.77
2377.58 2671.27 22691.62 4.50 2675.77
2405.44 2671.27 20286.18 4.50 2675.77
2433.62 2671.27 17852.56 4.50 2675.77
2462.13 2671.27 15390.44 4.50 2675.77
2490.97 2671.27 12899.47 4.50 2675.77
2520.15 2671.27 10379.32 4.50 2675.77
2549.67 2671.27 7829.64 4.50 2675.77
2579.54 2671.27 5250.10 4.50 2675.77
2609.76 2671.27 2640.34 4.50 2675.77
2640.34 2671.27 0.00 4.50 2675.77
BANCO EMPRENDEDOR

PRESTAMO
CUOTAS
CUOTAS

PERIODO INT
0 0
1 91,500.00
2 91,500.00
3 91,500.00
4 80,632.34
5 69,101.75
6 56,867.80
7 43,887.58
8 30,115.56
9 15,503.45
TEA 12.57%
TES 6.100%

1500000
9 SEMESTRALES
2 GRACIA PARCIAL TCEM 6.6336%
TCEA 13.7072%

A A+I SALDO COSTOS CUOTA REAL

0 0 1500000 37500 - 1,462,500.00
0 91500 1500000 250 91,750.00
0 91500 1500000 250 91,750.00
$178,158.35 $269,658.35 1,321,841.65 250 269,908.35
189,026.01 269,658.35 1,132,815.63 250 269,908.35
200,556.60 269,658.35 932,259.03 250 269,908.35
212,790.55 269,658.35 719,468.48 250 269,908.35
225,770.78 269,658.35 493,697.70 250 269,908.35
239,542.79 269,658.35 254,154.91 250 269,908.35
254,154.91 269,658.35 - 0.00 250 269,908.35