pasarlo (1+TEA)= (1+TEM)^12

(1+27%)= (1+tem)^12

1.27 1+tem

TEM= 0.0201

PRESTAMO=1,000 10000 AMORTIZACION 392.96

comision desembolso 3 COMISION 70
FNR= 9997
FNP
(FLUJO NETO DE PAGO) 462.96

0 10000.00
1 -462.96
2 -462.96
3 -462.96
4 -462.96
5 -462.96
6 -462.96
7 -462.96
8 -462.96
9 -462.96
10 -462.96
11 -462.96
12 -462.96
13 -462.96
14 -462.96
15 -462.96
16 -462.96
17 -462.96
18 -462.96
19 -462.96
20 -462.96
21 -462.96
22 -462.96
23 -462.96
24 -462.96
25 -462.96
26 -462.96
27 -462.96
28 -462.96
29 -462.96
30 -462.96
31 -462.96
32 -462.96
33 -462.96
34 -462.96
35 -462.96
36 -462.96
3%
 2 (1+TEA)= (1+TEM)^12

1+26%=1+TEM^12
0.0194459669612574

S/ 10,000.00 R(1-(1+TEM)^-36)
TEM

0.50009398 25.7171055
0.01944597

388.85

0
1
2
3
4
5
6
10000= R*(1-(1+TEM)^-36 0.51150391 7
TEM 8
9
0.51150391 10
0.0201 25.447956 11
12
R= 10000=R*153.0894 13
392.958869 392.958869 14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
 34
35
36
TIR
 PRESTAMO=1,000 10000 AMORTIZACION
comision desembolso 4 COMISION
FNR= 9996
FNP
(FLUJO NETO DE PAGO)

S/ 10,000.00
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
-589.48
4.8%
389.47876
200

589.47876
a) Calcule el valor de la cuota extraordinaria trimestral. b) Determine la Tasa de Costo Efectivo Mensual (TCEM) y la Tasa de Co

AMORTIZACION INTERES PAGO TOTAL SALDO

0 $299.98 0.02 $300.00 $28,000.00
1 $300.00
2 $300.00
3 $300.00
4 $300.00
5 $300.00
6 $300.00
7 $300.00
8 $300.00
9 $300.00
10 $300.00
11 $300.00
12 $300.00
13 $300.00
14 $300.00
15 $300.00
16 $300.00
17 $300.00
18 $300.00
19 $300.00
20 $300.00
21 $300.00
22 $300.00
23 $300.00
24 $300.00
25 $300.00
26 $300.00
27 $300.00
28 $300.00
29 $300.00
30 $300.00
31 $300.00
32 $300.00
33 $300.00
34 $300.00
35 $300.00
36 $300.00
37 $300.00
38 $300.00
39 $300.00
40 $300.00
41 $300.00
42 $300.00
43 $300.00
44 $300.00
45 $300.00
46 $300.00
47 $300.00
48 $300.00
49 $300.00
50 $300.00
51 $300.00
52 $300.00
53 $300.00
54 $300.00
55 $300.00
56 $300.00
57 $300.00
58 $300.00
59 $300.00
60 $300.00
 PRESTAMO $28,000.00
TCUOTAS MENSUALES ORDINARIAS 60 300
CUOTAS EXTRAORDINARIAS 20 TRIMESTRALES R 5

TNS 6% 0.02

COMISION DE POLIZA DESEMBOLSO $65.00

GASTOS DE ADMIN $85.00
CONCEPTO MEN SUALES $5.00 5
DESGRAVAMEN $10.00
$165.00

al (TCEM) y la Tasa de Costo Efectivo Anual (TCEA) del préstamo. 28000(1+0.95)^60

0.95

$28,000.00 R= 0.43295
$8,400,000.00 0.95
8000(1+0.95)^60

0.45573684210526