Analisis Credito
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Transcript of Analisis Credito
1
UNIVERSIDAD NACIONAL TORIBIO RODRÍGUEZ DE
MENDOZA DE AMAZONAS
FACULTAD DE CIENCIAS EMPRESARIALES
VII CURSO DE TITULACIÓN Y ACTUALIZACIÓN
TURISMO Y ADMINISTRACIÓN
MÓDULO: GERENCIA FINANCIERA
ECON. MANUEL ANTONIO MORANTE DÁVILA.
MONTO DEL PRESTAMO $. 600,000
TET 3.78%
Periodo de pago 12 trimestres
PERIODO AMORTIZACION INTERESES PAGO TOTAL SALDO DEUDA EXTINGUIDA
0 600000 0
1 7692.31 22680 30372.30769 592307.69 7692.307692
2 15384.62 22680 38064.61538 576923.08 23076.92308
3 23076.92 22680 45756.92308 553846.15 46153.84615
4 30769.23 22680 53449.23077 523076.92 76923.07692
5 38461.54 22680 61141.53846 484615.38 115384.6154
6 46153.85 22680 68833.84615 438461.54 161538.4615
7 53846.15 22680 76526.15385 384615.38 215384.6154
8 61538.46 22680 84218.46154 323076.92 276923.0769
9 69230.77 22680 91910.76923 253846.15 346153.8462
10 76923.08 22680 99603.07692 176923.08 423076.9231
11 84615.38 22680 107295.3846 92307.69 507692.3077
12 92307.69 22680 114987.6923 0.00 600000
TOTAL 600000 272160 872160
CUOTAS CRECIENTES
MONTO DEL PRESTAMO $. 600,000
TET 3.78%
Periodo de pago 12 trimestres
PERIODO AMORTIZACION INTERESES PAGO TOTAL SALDO DEUDA EXTINGUIDA
0 600000 0
1 50000.00 22680 72680 600000 50000.00
2 50000.00 22680 72680 600000 100000.00
3 50000.00 22680 72680 600000 150000.00
4 50000.00 22680 72680 600000 200000.00
5 50000.00 22680 72680 600000 250000.00
6 50000.00 22680 72680 600000 300000.00
7 50000.00 22680 72680 600000 350000.00
8 50000.00 22680 72680 600000 400000.00
9 50000.00 22680 72680 600000 450000.00
10 50000.00 22680 72680 600000 500000.00
11 50000.00 22680 72680 600000 550000.00
12 50000.00 22680 72680 600000 600000.00
TOTAL 600000 272160 872160
CUOTAS FLAT
Período Amortización Intereses Pago Total Saldo Deuda Extinguida
Total 600,000 147,427.74 747,427.74 0.00 600,000.00
Total 600,000 157,423.43 757,423.43 0.00 600,000.00
Total 600,000 272,174.30 872,174.30 0.00 600,000.00
Total 600,000 272,160.00 872,160.00 0.00 600,000.00
Total 600,000 272,160.00 872,160.00 0.00 600,000.00
Método
Alemán
Francés
Americano
Crecientes
Flat