INTEGRANTES

CAMPOS SANDOVAL EDDU

GOMEZ PEREZ EVELYN
GOMEZ ZAVALETA ANA
POMA ARROYO YAREK
VARGAS SANCHEZ CRISTHIAN
 2 semestres = 1 año FACTOR= deuda
6 semestres = 3 años suma de los periodos

P = 80000
i = 3% trimestral N DEUDA
n = 6 semestres 1 S/ 80,000.00
6% semestral 2 S/ 76,190.48
3 S/ 68,571.43
4 S/ 57,142.86
5 S/ 41,904.76
6 S/ 22,857.14

21
 = S/ 80,000.00 = S/ 3,809.52
los periodos 21

Proporción Amortización Interes Total a pagar

0.047619047619 S/ 3,809.52 S/ 4,800.00 S/ 8,609.52
0.0952380952381 S/ 7,619.05 S/ 4,571.43 S/ 12,190.48
0.1428571428571 S/ 11,428.57 S/ 4,114.29 S/ 15,542.86
0.1904761904762 S/ 15,238.10 S/ 3,428.57 S/ 18,666.67
0.2380952380952 S/ 19,047.62 S/ 2,514.29 S/ 21,561.90
0.2857142857143 S/ 22,857.14 S/ 1,371.43 S/ 24,228.57

1 S/ 80,000.00 S/ 20,800.00 S/ 100,800.00

P = 2500000
i = 5% bimestral
n = 6 semestres
15% semestral

N DEUDA Amortización Interes Total a pagar

1 S/ 250,000.00 S/ 41,666.67 S/ 37,500.00 S/ 79,166.67
2 S/ 208,333.33 S/ 41,666.67 S/ 31,250.00 S/ 72,916.67
3 S/ 166,666.67 S/ 41,666.67 S/ 25,000.00 S/ 66,666.67
4 S/ 125,000.00 S/ 41,666.67 S/ 18,750.00 S/ 60,416.67
5 S/ 83,333.33 S/ 41,666.67 S/ 12,500.00 S/ 54,166.67
6 S/ 41,666.67 S/ 41,666.67 S/ 6,250.00 S/ 47,916.67

S/ 250,000.00 S/ 131,250.00 S/ 381,250.00

S/ 381,250.00
P = S/ 150,000.00
i = 4% Semestral
n = 5 Semestres
8% Semestral

N°
1
2
3
4
5
 PLAN DE PAGO CUOTAS FIJAS

A = 220399.21152 0.08
1.4693280768 -1

A = 220399.21152 0.08
0.4693280768

A = 220399.21152 0.17045645457

A = 37568.47

DEUDA AMORTIZACIÓN INTERÉS 8% TOTAL

S/ 150,000.00 S/ 25,568.47 S/ 12,000.00 S/ 37,568.47
S/ 124,431.53 S/ 27,613.95 S/ 9,954.52 S/ 37,568.47
S/ 96,817.59 S/ 29,823.06 S/ 7,745.41 S/ 37,568.47
S/ 66,994.52 S/ 32,208.91 S/ 5,359.56 S/ 37,568.47
S/ 34,785.62 S/ 34,785.62 S/ 2,782.85 S/ 37,568.47

S/ 150,000.00 S/ 37,842.34 S/ 187,842.34

 PLAN DE PAGO CRECIENTE

FACTOR= deuda
suma de los periodos

N DEUDA
2 trimestres = 1 semestre 1 S/ 50,000.00
4 trimestres = 2 semestres 2 S/ 45,000.00
3 S/ 35,000.00
P = 50000 4 S/ 20,000.00
i = 6% Semestral
n = 4 Trimestres 10
3% Trimestral
 = S/ 50,000.00 = S/ 5,000.00
e los periodos 10

Proporción Amortización Interes Total a pagar

0.1 S/ 5,000.00 S/ 1,500.00 S/ 6,500.00
0.2 S/ 10,000.00 S/ 1,350.00 S/ 11,350.00
0.3 S/ 15,000.00 S/ 1,050.00 S/ 16,050.00
0.4 S/ 20,000.00 S/ 600.00 S/ 20,600.00

1 S/ 50,000.00 S/ 4,500.00 S/ 54,500.00

S/ 54,500.00
 PLAN DE PAGO CUOTAS FIJAS

CUOTA INICIAL = 60000 20%

= 12000 A

A
4 trimestres = 1 año
20 trimestres = 5 años A

1 TRIMESTRE = 6 QUINCENAS
1.50% = QUINCENA N
9% = TRIMESTRAL 1
2
P = 48000 3
i = 1.5% quincenal 4
n = 20 Trimestres 5
9% Trimestral 6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
LAN DE PAGO CUOTAS FIJAS PLAN DE PAGO CRECIENTE

FACTOR=
suma de los periodo
= 269011.716853 0.09
5.6044107678 -1 N
1
= 269011.716853 0.09 2
4.6044107678 3
4
= 269011.716853 0.019546475 5
6
= 5258.23 7
8
9
DEUDA Amortización Interes Total a pagar 10
S/ 48,000.00 S/ 938.23 S/ 4,320.00 S/ 5,258.23 11
S/ 47,061.77 S/ 1,022.67 S/ 4,235.56 S/ 5,258.23 12
S/ 46,039.10 S/ 1,114.71 S/ 4,143.52 S/ 5,258.23 13
S/ 44,924.39 S/ 1,215.04 S/ 4,043.19 S/ 5,258.23 14
S/ 43,709.35 S/ 1,324.39 S/ 3,933.84 S/ 5,258.23 15
S/ 42,384.96 S/ 1,443.58 S/ 3,814.65 S/ 5,258.23 16
S/ 40,941.38 S/ 1,573.51 S/ 3,684.72 S/ 5,258.23 17
S/ 39,367.87 S/ 1,715.12 S/ 3,543.11 S/ 5,258.23 18
S/ 37,652.75 S/ 1,869.48 S/ 3,388.75 S/ 5,258.23 19
S/ 35,783.26 S/ 2,037.74 S/ 3,220.49 S/ 5,258.23 20
S/ 33,745.53 S/ 2,221.13 S/ 3,037.10 S/ 5,258.23
S/ 31,524.39 S/ 2,421.04 S/ 2,837.20 S/ 5,258.23 210
S/ 29,103.36 S/ 2,638.93 S/ 2,619.30 S/ 5,258.23
S/ 26,464.43 S/ 2,876.43 S/ 2,381.80 S/ 5,258.23
S/ 23,588.00 S/ 3,135.31 S/ 2,122.92 S/ 5,258.23
S/ 20,452.68 S/ 3,417.49 S/ 1,840.74 S/ 5,258.23
S/ 17,035.19 S/ 3,725.06 S/ 1,533.17 S/ 5,258.23
S/ 13,310.13 S/ 4,060.32 S/ 1,197.91 S/ 5,258.23
S/ 9,249.81 S/ 4,425.75 S/ 832.48 S/ 5,258.23
S/ 4,824.06 S/ 4,824.06 S/ 434.17 S/ 5,258.23

S/ 48,000.00 S/ 57,164.62 S/ 105,164.62

S/ 105,164.62
LAN DE PAGO CRECIENTE

deuda = S/ 48,000.00 = S/ 228.57

suma de los periodos 210

DEUDA Proporción Amortización Interes Total a pagar

S/ 48,000.00 0.0047619 S/ 228.57 S/ 4,320.00 S/ 4,548.57
S/ 47,771.43 0.00952381 S/ 457.14 S/ 4,299.43 S/ 4,756.57
S/ 47,314.29 0.01428571 S/ 685.71 S/ 4,258.29 S/ 4,944.00
S/ 46,628.57 0.01904762 S/ 914.29 S/ 4,196.57 S/ 5,110.86
S/ 45,714.29 0.02380952 S/ 1,142.86 S/ 4,114.29 S/ 5,257.14
S/ 44,571.43 0.02857143 S/ 1,371.43 S/ 4,011.43 S/ 5,382.86
S/ 43,200.00 0.03333333 S/ 1,600.00 S/ 3,888.00 S/ 5,488.00
S/ 41,600.00 0.03809524 S/ 1,828.57 S/ 3,744.00 S/ 5,572.57
S/ 39,771.43 0.04285714 S/ 2,057.14 S/ 3,579.43 S/ 5,636.57
S/ 37,714.29 0.04761905 S/ 2,285.71 S/ 3,394.29 S/ 5,680.00
S/ 35,428.57 0.05238095 S/ 2,514.29 S/ 3,188.57 S/ 5,702.86
S/ 32,914.29 0.05714286 S/ 2,742.86 S/ 2,962.29 S/ 5,705.14
S/ 30,171.43 0.06190476 S/ 2,971.43 S/ 2,715.43 S/ 5,686.86
S/ 27,200.00 0.06666667 S/ 3,200.00 S/ 2,448.00 S/ 5,648.00
S/ 24,000.00 0.07142857 S/ 3,428.57 S/ 2,160.00 S/ 5,588.57
S/ 20,571.43 0.07619048 S/ 3,657.14 S/ 1,851.43 S/ 5,508.57
S/ 16,914.29 0.08095238 S/ 3,885.71 S/ 1,522.29 S/ 5,408.00
S/ 13,028.57 0.08571429 S/ 4,114.29 S/ 1,172.57 S/ 5,286.86
S/ 8,914.29 0.09047619 S/ 4,342.86 S/ 802.29 S/ 5,145.14
S/ 4,571.43 0.0952381 S/ 4,571.43 S/ 411.43 S/ 4,982.86

1 S/ 48,000.00 S/ 59,040.00 S/ 107,040.00

S/ 107,040.00
PLAN DE PAGO DECRECIENTE

N DEUDA Amortización Interes Total a pagar

1 S/ 48,000.00 S/ 2,400.00 S/ 4,320.00 S/ 6,720.00
2 S/ 45,600.00 S/ 2,400.00 S/ 4,104.00 S/ 6,504.00
3 S/ 43,200.00 S/ 2,400.00 S/ 3,888.00 S/ 6,288.00
4 S/ 40,800.00 S/ 2,400.00 S/ 3,672.00 S/ 6,072.00
5 S/ 38,400.00 S/ 2,400.00 S/ 3,456.00 S/ 5,856.00
6 S/ 36,000.00 S/ 2,400.00 S/ 3,240.00 S/ 5,640.00
7 S/ 33,600.00 S/ 2,400.00 S/ 3,024.00 S/ 5,424.00
8 S/ 31,200.00 S/ 2,400.00 S/ 2,808.00 S/ 5,208.00
9 S/ 28,800.00 S/ 2,400.00 S/ 2,592.00 S/ 4,992.00
10 S/ 26,400.00 S/ 2,400.00 S/ 2,376.00 S/ 4,776.00
11 S/ 24,000.00 S/ 2,400.00 S/ 2,160.00 S/ 4,560.00
12 S/ 21,600.00 S/ 2,400.00 S/ 1,944.00 S/ 4,344.00
13 S/ 19,200.00 S/ 2,400.00 S/ 1,728.00 S/ 4,128.00
14 S/ 16,800.00 S/ 2,400.00 S/ 1,512.00 S/ 3,912.00
15 S/ 14,400.00 S/ 2,400.00 S/ 1,296.00 S/ 3,696.00
16 S/ 12,000.00 S/ 2,400.00 S/ 1,080.00 S/ 3,480.00
17 S/ 9,600.00 S/ 2,400.00 S/ 864.00 S/ 3,264.00
18 S/ 7,200.00 S/ 2,400.00 S/ 648.00 S/ 3,048.00
19 S/ 4,800.00 S/ 2,400.00 S/ 432.00 S/ 2,832.00
20 S/ 2,400.00 S/ 2,400.00 S/ 216.00 S/ 2,616.00

S/ 48,000.00 S/ 45,360.00 S/ 93,360.00

S/ 93,360.00