STUDENTS:

Melany Chavez Curioso

Ana Bella Vargas Huamani
Hillary Carrillo Risco
Liliana Espinoza Zumaran
Jessica Paredes Alban
Misael Murga Rivera
OSCAR MUÑOZ CASE STUDY

1-. Personal History

Don Óscar Muñoz is 50 years old, He worked as a mechanic for more than 15 years, he is married to Mrs M
she doesn't receive income they both have a son and their own apartment, hey don't have bad debts but the
due to a debt. Don Óscar has a salary account in the bank, he has received two mortgages in his apartment
He has a net monthly income of CU219,953.00 and has a Renault car that he bought for the price of CU2,12

2-. Customer-financial institution relationship

The applicant, don Óscar Muñoz, has been a client of our office for 23 years and his Customer beh
He maintains a demand deposit, with average balances of CU235,000.00, although it currently has
Currently, he has received two mortgages on his apartment, one with our entity and another with a

3-. Purpose of the operation

Mr. Muñoz goes to our entity to request a loan of CU8,000,000.00. with the purpose of:
1. Refinancing mortgages, unifying them in our entity. To do this, he intends to cancel the mortgag
2. The amount of this request is CU8,000,000.00 and wish to paid in 300 months, which will genera
3. Remove the debt for the company that sold him the car (CU239,373.00)
4. The rest of the loan would be used to finish the reforms of his home.

4-. Qualitative analysis.

Mr oscar muñoz is 50 years old and live in lima who is mechanic of profession, he worked
with a fixed contract in a company industrial machenery repair during 15 years and he is
married with Laia Marcos who is housewife so she doesnt get any income and
both have a son .
Mr. muñoz is considered a good client his behavior as a client is correct beacuse he worked with the
company during 23 years as client in this all time he has been a good payer but he has a note of embargo
of CU 239,373.00,he has own company that get a better support financial

5.- Quantitative analys

the next excel page

6.- Guarantees

Mortage of the deparment

valued: CU 25,825,000.00
garage owns the same building
there are : 2 mortages

7.- Final decision

Don Óscar Muños is 50 years old, resides in the city of Lima and is a mechanic of profession.
For more than 15 years he has worked with a fixed contract in a private company of industrial mac
Based on this information, we can say that Mr. Muñoz is pre-approved in regards to a chronologica
but seeing his financial record, we can see that he was in Infocord,
which is a debtor system in Peru, the bank cannot run with tremendous risk, if Mr. Muñoz has miss
Regarding the qualitative analysis, we can see that it turns out very well with respect to the figures,
but it does not meet the expectations that the bank asks for, if we apply some tests, such as the fa
we will not realize that Mr. Muñoz would not qualify for said loan.

Also he has a debt in INFOCORP ,for that reasson , we as a bank needs more transacion details o
movement of accounts. In that case we bring a opportunity to pay he's debt.
SE STUDY

years, he is married to Mrs Marcos who is 47 years old,

y don't have bad debts but they had an entry to INFOCORP
wo mortgages in his apartment.
bought for the price of CU2,125,000.00

years and his Customer behavior is considered correct. Currently maintains the following operating with our Entity:
00, although it currently has a balance of CU25,000.00 (The application is submitted at the end of the month.)
ur entity and another with a savings bank for an amount of CU4,000,000.00. and CU3,000,000.00 respectively. The first mortga

the purpose of:

ends to cancel the mortgage of CU3,000,000.00 and refinance his other debts, corresponding to home arrangements and debt
00 months, which will generate a monthly payment of CU40,050.00.

, he worked

use he worked with the

ut he has a note of embargo
mechanic of profession.
e company of industrial machinery repair.
in regards to a chronological age,

risk, if Mr. Muñoz has missed the debt.

with respect to the figures,
y some tests, such as the famous acid test,

ds more transacion details or maybe the

 g with our Entity:
the month.)
0 respectively. The first mortgage comes from the acquisition of the Department. The second comes from the financing of impro

home arrangements and debts with other financial entities. It's an application for loan with a mortgage guarantee.
s from the financing of improvement works in the aforementioned living place. At the same time it has a note of embargo on the

ge guarantee.
as a note of embargo on the mortgaged department, in favor of an automobile company, for a debt corresponding to the payme
corresponding to the payment of its private vehicle in the amount of CU239,373.00
QUANTITATIVE ANALYSIS
INCOME
SAVING BANK
montly income CU 219,953.00 OUR ENTETY
value of vehiculo CU 2,125,000.00
total CU 2,344,953.00
Mr MUÑOZ WANT A LOAN IN OU
PURPOSE
1
2

3
 HE HAS TWO MORTAGE RECEIVED DEBTS
ONE ON HIS APARTMENT CU 4,000,000.00 AUTOMOBILE COMPANY
SECOND IMPROVEMENT WORKS CU 3,000,000.00 ONE ON HIS APARTMENT
total

UÑOZ WANT A LOAN IN OUR COMPANY 8,000,000.00

will paid the mortage 3,000,000.00

he will repaid month 300
(monthly payment ) 40,050.00
remove the debts of its car 239,373.00
payment total 3,239,373.00
saldo 4,760,627.00

with the excedent could be cover other debt

 239,373.00
4,000,000.00
4,239,373.00