PRÉSTAMO

Precio de Venta $104,743.68 $34,914.56 $2,909.55

IGV $15,977.85
Valor de Venta $88,765.83

TEA 12%
Año 360
Días 30
m 12
1/m 0.0833333333333
años 3
n*m 36
j/m 0.00948879
Cuota $3,448.38 S/3,448.38
Seguro 0.0992%
Comisiones $26.50
IGV 18%
Impuesto a la Renta 30% NIC 17 Impuesto a la Cuota Financiera
COK 10% 0.008333 Renta (4+5+6-8)
(3+5+6+7)*0.30
FINANCIAMIENTO A VALOR DE VENTA (NO INCLUYE IGV)

1 2 3 4 5 6 7 8 9 Desembolso
Saldo Amortización Interes Cuota Seguro Comisiones Depreciación Ahorro Tribut. Neto
1 $104,743.68 $2,454.49 $993.89 $3,448.38 $88.03 $26.50 $1,479.43 $776.36 $2,786.55
2 $102,289.19 $2,477.78 $970.60 $3,448.38 $88.03 $26.50 $1,479.43 $769.37 $2,793.54
3 $99,811.41 $2,501.29 $947.09 $3,448.38 $88.03 $26.50 $1,479.43 $762.31 $2,800.59
4 $97,310.12 $2,525.02 $923.36 $3,448.38 $88.03 $26.50 $1,479.43 $755.19 $2,807.71
5 $94,785.10 $2,548.98 $899.40 $3,448.38 $88.03 $26.50 $1,479.43 $748.01 $2,814.90
6 $92,236.12 $2,573.17 $875.21 $3,448.38 $88.03 $26.50 $1,479.43 $740.75 $2,822.16
7 $89,662.95 $2,597.59 $850.79 $3,448.38 $88.03 $26.50 $1,479.43 $733.43 $2,829.48
8 $87,065.36 $2,622.23 $826.15 $3,448.38 $88.03 $26.50 $1,479.43 $726.03 $2,836.88
9 $84,443.13 $2,647.12 $801.26 $3,448.38 $88.03 $26.50 $1,479.43 $718.57 $2,844.34
10 $81,796.01 $2,672.23 $776.15 $3,448.38 $88.03 $26.50 $1,479.43 $711.03 $2,851.88
11 $79,123.77 $2,697.59 $750.79 $3,448.38 $88.03 $26.50 $1,479.43 $703.42 $2,859.48
12 $76,426.18 $2,723.19 $725.19 $3,448.38 $88.03 $26.50 $1,479.43 $695.75 $2,867.16
13 $73,703.00 $2,749.03 $699.35 $3,448.38 $88.03 $26.50 $1,479.43 $687.99 $2,874.91
14 $70,953.97 $2,775.11 $673.27 $3,448.38 $88.03 $26.50 $1,479.43 $680.17 $2,882.74
15 $68,178.86 $2,801.44 $646.94 $3,448.38 $88.03 $26.50 $1,479.43 $672.27 $2,890.64
16 $65,377.41 $2,828.03 $620.35 $3,448.38 $88.03 $26.50 $1,479.43 $664.29 $2,898.61
17 $62,549.39 $2,854.86 $593.52 $3,448.38 $88.03 $26.50 $1,479.43 $656.24 $2,906.67
18 $59,694.53 $2,881.95 $566.43 $3,448.38 $88.03 $26.50 $1,479.43 $648.12 $2,914.79
19 $56,812.58 $2,909.30 $539.08 $3,448.38 $88.03 $26.50 $1,479.43 $639.91 $2,923.00
20 $53,903.28 $2,936.90 $511.48 $3,448.38 $88.03 $26.50 $1,479.43 $631.63 $2,931.28
21 $50,966.38 $2,964.77 $483.61 $3,448.38 $88.03 $26.50 $1,479.43 $623.27 $2,939.64
22 $48,001.61 $2,992.90 $455.48 $3,448.38 $88.03 $26.50 $1,479.43 $614.83 $2,948.08
23 $45,008.70 $3,021.30 $427.08 $3,448.38 $88.03 $26.50 $1,479.43 $606.31 $2,956.60
24 $41,987.40 $3,049.97 $398.41 $3,448.38 $88.03 $26.50 $1,479.43 $597.71 $2,965.20
25 $38,937.43 $3,078.91 $369.47 $3,448.38 $88.03 $26.50 $1,479.43 $589.03 $2,973.88
26 $35,858.52 $3,108.13 $340.25 $3,448.38 $88.03 $26.50 $1,479.43 $580.26 $2,982.64
27 $32,750.40 $3,137.62 $310.76 $3,448.38 $88.03 $26.50 $1,479.43 $571.42 $2,991.49
28 $29,612.78 $3,167.39 $280.99 $3,448.38 $88.03 $26.50 $1,479.43 $562.48 $3,000.42
29 $26,445.39 $3,197.44 $250.93 $3,448.38 $88.03 $26.50 $1,479.43 $553.47 $3,009.44
30 $23,247.94 $3,227.78 $220.59 $3,448.38 $88.03 $26.50 $1,479.43 $544.37 $3,018.54
31 $20,020.16 $3,258.41 $189.97 $3,448.38 $88.03 $26.50 $1,479.43 $535.18 $3,027.73
32 $16,761.75 $3,289.33 $159.05 $3,448.38 $88.03 $26.50 $1,479.43 $525.90 $3,037.01
33 $13,472.42 $3,320.54 $127.84 $3,448.38 $88.03 $26.50 $1,479.43 $516.54 $3,046.37
34 $10,151.87 $3,352.05 $96.33 $3,448.38 $88.03 $26.50 $1,479.43 $507.09 $3,055.82
35 $6,799.82 $3,383.86 $64.52 $3,448.38 $88.03 $26.50 $1,479.43 $497.54 $3,065.36
36 $3,415.97 $3,415.97 $32.41 $3,448.38 $88.03 $26.50 $1,479.43 $487.91 $3,075.00

Costo Financiero VAN $90,362.48

 LEASING
Precio de Venta $104,743.68
IGV $15,977.85
Valor de Venta $88,765.83

Costo de Activación $350.00

Valor a financiar $89,115.83
TEA 12%
Año 360
Días 30
m 12
1/m 0.0833333333333
años 3
n*m 36
j/m 0.0094887929346
Cuota $2,933.88
Seguro 0.099%
Comisiones $26.50
Valor de Recompra 1%
IGV 18%
Impuesto a la Renta 30% NIC 17 Impuesto a la Cuota Financiera
COK 10% 0.0079741404 Renta (4+5+6-8)
(3+5+6+7)*0.30
FINANCIAMIENTO A VALOR DE VENTA (NO INCLUYE IGV)

1 2 3 4 5 6 7 8 9 Desembolso
Saldo Amortización Interes Cuota Seguro Comisiones Depreciación Ahorro Tribut. Neto
1 $89,115.83 $2,088.28 $845.60 $2,933.88 $88.03 $26.50 $2,465.72 $1,027.75 $2,020.65
2 $87,027.55 $2,108.09 $825.79 $2,933.88 $88.03 $26.50 $2,465.72 $1,021.81 $2,026.60
3 $84,919.46 $2,128.10 $805.78 $2,933.88 $88.03 $26.50 $2,465.72 $1,015.81 $2,032.60
4 $82,791.37 $2,148.29 $785.59 $2,933.88 $88.03 $26.50 $2,465.72 $1,009.75 $2,038.66
5 $80,643.08 $2,168.67 $765.21 $2,933.88 $88.03 $26.50 $2,465.72 $1,003.64 $2,044.77
6 $78,474.41 $2,189.25 $744.63 $2,933.88 $88.03 $26.50 $2,465.72 $997.46 $2,050.95
7 $76,285.16 $2,210.02 $723.85 $2,933.88 $88.03 $26.50 $2,465.72 $991.23 $2,057.18
8 $74,075.13 $2,230.99 $702.88 $2,933.88 $88.03 $26.50 $2,465.72 $984.94 $2,063.47
9 $71,844.14 $2,252.16 $681.71 $2,933.88 $88.03 $26.50 $2,465.72 $978.59 $2,069.82
10 $69,591.97 $2,273.53 $660.34 $2,933.88 $88.03 $26.50 $2,465.72 $972.18 $2,076.23
11 $67,318.44 $2,295.11 $638.77 $2,933.88 $88.03 $26.50 $2,465.72 $965.71 $2,082.70
12 $65,023.33 $2,316.89 $616.99 $2,933.88 $88.03 $26.50 $2,465.72 $959.17 $2,089.24
13 $62,706.44 $2,338.87 $595.01 $2,933.88 $88.03 $26.50 $2,465.72 $952.58 $2,095.83
14 $60,367.58 $2,361.06 $572.82 $2,933.88 $88.03 $26.50 $2,465.72 $945.92 $2,102.49
15 $58,006.51 $2,383.47 $550.41 $2,933.88 $88.03 $26.50 $2,465.72 $939.20 $2,109.21
16 $55,623.05 $2,406.08 $527.80 $2,933.88 $88.03 $26.50 $2,465.72 $932.41 $2,116.00
17 $53,216.96 $2,428.91 $504.96 $2,933.88 $88.03 $26.50 $2,465.72 $925.56 $2,122.84
18 $50,788.05 $2,451.96 $481.92 $2,933.88 $88.03 $26.50 $2,465.72 $918.65 $2,129.76
19 $48,336.09 $2,475.23 $458.65 $2,933.88 $88.03 $26.50 $2,465.72 $911.67 $2,136.74
20 $45,860.86 $2,498.71 $435.16 $2,933.88 $88.03 $26.50 $2,465.72 $904.62 $2,143.78
21 $43,362.15 $2,522.42 $411.45 $2,933.88 $88.03 $26.50 $2,465.72 $897.51 $2,150.90
22 $40,839.72 $2,546.36 $387.52 $2,933.88 $88.03 $26.50 $2,465.72 $890.33 $2,158.08
23 $38,293.37 $2,570.52 $363.36 $2,933.88 $88.03 $26.50 $2,465.72 $883.08 $2,165.33
24 $35,722.84 $2,594.91 $338.97 $2,933.88 $88.03 $26.50 $2,465.72 $875.76 $2,172.64
25 $33,127.93 $2,619.53 $314.34 $2,933.88 $88.03 $26.50 $2,465.72 $868.38 $2,180.03
26 $30,508.40 $2,644.39 $289.49 $2,933.88 $88.03 $26.50 $2,465.72 $860.92 $2,187.49
27 $27,864.01 $2,669.48 $264.40 $2,933.88 $88.03 $26.50 $2,465.72 $853.39 $2,195.02
28 $25,194.53 $2,694.81 $239.07 $2,933.88 $88.03 $26.50 $2,465.72 $845.79 $2,202.61
29 $22,499.71 $2,720.38 $213.50 $2,933.88 $88.03 $26.50 $2,465.72 $838.12 $2,210.29
30 $19,779.33 $2,746.20 $187.68 $2,933.88 $88.03 $26.50 $2,465.72 $830.38 $2,218.03
31 $17,033.13 $2,772.25 $161.62 $2,933.88 $88.03 $26.50 $2,465.72 $822.56 $2,225.85
32 $14,260.88 $2,798.56 $135.32 $2,933.88 $88.03 $26.50 $2,465.72 $814.67 $2,233.74
33 $11,462.32 $2,825.11 $108.76 $2,933.88 $88.03 $26.50 $2,465.72 $806.70 $2,241.70
34 $8,637.21 $2,851.92 $81.96 $2,933.88 $88.03 $26.50 $2,465.72 $798.66 $2,249.75
35 $5,785.28 $2,878.98 $54.90 $2,933.88 $88.03 $26.50 $2,465.72 $790.54 $2,257.87
36 $2,906.30 $2,906.30 $27.58 $2,933.88 $88.03 $26.50 $2,465.72 $782.35 $2,266.06

Costo Financiero VAN $66,452.74