Escolar Documentos
Profissional Documentos
Cultura Documentos
CO
V salvamento
V. Util
Tiempo
Costro de Adquisicion
4000
7 aos
Dep. Anual
Dep Acumulada
0
1
2
3
4
5
6
7
S/.
S/.
S/.
S/.
S/.
S/.
S/.
4,000.00
4,000.00
4,000.00
4,000.00
4,000.00
4,000.00
4,000.00
S/. 4,000.00
S/. 8,000.00
S/. 12,000.00
S/. 16,000.00
S/. 20,000.00
S/. 24,000.00
S/. 28,000.00
1
12000
0
S/.
S/.
S/.
S/.
0
0
4,000.00
8,000.00
2,240.00
5,760.00
32000
S/. 4,000.00
-32000
TASA DE DESCUENTO
COSTO DE OPORTUNIDAD DE CAPITAL
TASA MINIMA DE ATRACTIVAO DE RENDIMIENTO
-TD/COK/TMAR
VA
VANE
VAN ECONOMICO
9760
18%
S/. 38,456.21
S/. 6,456.21
24.628%
1.2017565451
APLICACIN FINAL
PRESTAMO
TEA
TIEMPO
MODALIDAD DE PRESTAMOS
TEM
TIEMPO
10,000.00
36
12 MESES
0.025955
SEGUROS DE GRAVAM
C. INTERES
C. PAGO
0
1
2
3
4
5
6
7
8
9
10
11
12
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
TIEMPO
MODALIDAD
6
CUOTA DE PAGO CONSTANTE
TIEMPO
C. PAGO
0
1
2
3
4
5
6
C. INTERES
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
1
12000
0
0
0
S/. 4,000.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
32000
S/. 4,000.00
12000
#VALUE!
-20000.00
TASA DE DESCUENTO
COSTO DE OPORTUNIDAD DE CAPITAL
TASA MINIMA DE ATRACTIVAO DE RENDIMIENTO
-TD/COK/TMAR
VA
VANF
VAN FINANCIERO
#VALUE!
18%
#VALUE!
#VALUE!
TIR F
TIR FINANCIERO
#VALUE!
#VALUE!
35%
2 TEA
PAGO EN FORMA SEMANAL
45%
3 TET
PAGO EN FORMA QUINCENAL
4 TESEMESTRAL
PAGO EN FORMADIARIO
5 TEBIMESTRAL
PAGO EN FORMA CUATRIMESTRAL
8%
12%
4%
32000
Valor en libros
S/. 32,000.00
S/. 28,000.00
S/. 24,000.00
S/. 20,000.00
S/. 16,000.00
S/. 12,000.00
S/. 8,000.00
S/. 4,000.00
S/.
S/.
S/.
S/.
2
12000
0
3
12000
0
4
12000
0
5
12000
0
6
12000
0
0
0
4,000.00
8,000.00
2,240.00
5,760.00
0
0
4,000.00
8,000.00
2,240.00
5,760.00
0
0
4,000.00
8,000.00
2,240.00
5,760.00
0
0
4,000.00
8,000.00
2,240.00
5,760.00
0
0
4,000.00
8,000.00
2,240.00
5,760.00
S/.
S/.
S/.
S/.
S/. 4,000.00
S/. 4,000.00
9760
9760
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
9760
9760
ARACION ENTRE LA TASA DE COK (18%) Y LA TIR (24.628), ES SUPERIOR A LA TASA DE COK
TO EL PROYECTO ES ACEPTABLE MINIMAMENTE
FLUJOS
TIEMPO DE RECUPERACION
-32000
-32000
9760
-22240
9760
-12480
9760
-2720 AOS
9760
7040
9760
16800
9760
26560
13760
40320
COMISION ADMINISTRATIVA
C. AMORTIZACION
SALDO
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
10,000.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
SALDO
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
GIRO Y TRANSFERENCIA
2
12000
0
3
12000
0
4
12000
0
5
12000
0
6
12000
0
0
0
S/. 4,000.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
0
0
S/. 4,000.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
0
0
0
0
0
0
S/. 4,000.00 S/. 4,000.00 S/. 4,000.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
S/. 4,000.00
S/. 4,000.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
ARACION ENTRE LA TASA DE COK (18%) Y LA TIR (24.628), ES SUPERIOR A LA TASA DE COK
TO EL PROYECTO ES ACEPTABLE MINIMAMENTE
TIEMPO DE RECUPERACION
-20000
-20000
9760
-10240
9760
-480
9760
9280 AOS
9760
19040
9760
28800
9760
38560
13760
52320
TEM
2.532406%
TESEMANAL
0.717104%
TRIMESTRAL
1.290946%
TEDIARIO
TECUATRIMESTRAL
0.062980%
8.1600000%
7
12000
0
S/.
S/.
S/.
S/.
0
0
4,000.00
8,000.00
2,240.00
5,760.00
S/. 4,000.00
4000
13760
RE PRESTAMO Y CREDITO:
7
12000
0
S/.
S/.
S/.
S/.
0
0
4,000.00
S/. 0.00
8,000.00
2,240.00
5,760.00
S/. 4,000.00
4000 CUOTA DE PAGO CONSTANTE
0
13760.00
Terreno y alcabala
Proyecto
Licencias
Costo Directo - Construccion
Gastos Generales - Construccion
Titulacion
Gastos Administrativos
Publicidad
Gastos Bancarios
Gastos Financieros
Pago Diferencial del IGV
1,032,500.00
163,823.80
144,079.00
3,529,829.30
281,986.30
24,349.50
386,972.30
234,454.80
85,752.80
2,729.60
5,886,477.40
5,886,477.10
IGV
0.19
VELOCIDAD DE VENTA
Und
Venta de Inmuebles
Acumulada
Total Unidades
FLUJO DE INGRESOS
Pre venta
Etapa
116
35
Venta de Inmuebles
Ingreso al mes
Ingreso acumulado
65,623.37
7,612,310.60
CUOTA INICIAL
Cuotas Inicial 50% 1er mes
Saldo de Inicial siguiente mes
10%
DESEMBOLSO
90%
7,612,310.60
723,169.51
8,335,480.11
19%
FLUJO DE CAJA
INGRESOS
EGRESOS
Saldo mensual
Saldo Acumulado
Financiamiento Bancario
Finaciamiento acumulado
Amortizacion de la deuda
Gastos financieros
Tasa
Aporte Inversionistas
Saldo de Caja
APLICACIN FINAL
PRESTAMO
380,615.53
380,615.53
125,000.00
11%
0.90%
TEA
11%
TIEMPO
3 MESES
MODALIDAD DE PRESTAMOS
TEM
0.87%
TIEMPO
C. PAGO
0
1
2
3
S/. 42,396.66
S/. 42,396.66
S/. 42,396.66
S/. 127,189.98
S/. 1,091.82
S/. 731.04
S/. 367.11
S/. 2,189.98
S/. 41,304.84
S/. 41,665.62
S/. 42,029.55
S/. 125,000.00
PRESTAMO
125,000.00
TEA
11%
TIEMPO
3
MODALIDAD CUOTA DE PAGO CONSTANTE
TIEMPO
C. PAGO
0
1
2
3
4
5
6
C. INTERES
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
C. AMORTIZACION
S/. 0.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
1
12000
0
2
12000
0
0
0
S/. 0.00
S/. 0.00
S/. 12,000.00
S/. 3,360.00
S/. 8,640.00
0
0
S/. 0.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
S/. 0.00
S/. 0.00
#VALUE!
#VALUE!
12000
=FL. CAJA F
12000.00
#VALUE!
#VALUE!
TASA DE DESCUENTO
COSTO DE OPORTUNIDAD DE CAPITAL
TASA MINIMA DE ATRACTIVAO DE RENDIMIENTO
-TD/COK/TMAR
18%
VA
#VALUE!
VANF
#VALUE!
VAN FINANCIERO
ES LA COMPARACION ENTRE LA INVERSION INICIAL DE
FUTUROS ACTUALIZADOS 38456.21
Y LA DIFERENCIA ES 6456.21. EL PROYECTO ES ACEPT
TIR F
TIR FINANCIERO
#VALUE!
B/C
#VALUE!
BENEFICIO COSTO
POR CADA 01 SOL DE INVERSION ESTAMOS RECUPERA
TIEMPO DE RECUPERACION
AOS
FLUJOS
0
1
2
3
4
5
6
7
12000
0
0
0
0
0
0
8640
CAMBIO DE TASAS
1 TEA
PAGO EN FORMA MENSUAL
35%
2 TEA
PAGO EN FORMA SEMANAL
45%
3 TET
PAGO EN FORMA QUINCENAL
4 TESEMESTRAL
PAGO EN FORMADIARIO
5 TEBIMESTRAL
TEM
TESEMANAL
8% TRIMESTRAL
12%
TEDIARIO
4%
TECUATRIMESTRA
M1
M2
M3
1,032,500.00 1,032,500.00
163,823.80
5,355.00
113,019.30
144,079.00
83,099.30
3,529,829.40
5,000.00
281,985.60
24,349.50
386,971.20
540.00
16,101.30
234,455.80
18,850.00
55,250.00
85,753.20
52,962.80
2,729.60
0.00
5,886,477.10 1,198,307.10
184,370.60
0.30
M4
45,449.50
16,101.30
4,250.00
16,101.30
8,038.90
65,800.80
24,140.20
4,853,977.10
922,255.65
M1
M2
M3
M4
5
5
5
10
7,349,296.90
16,405.84
M1
M2
M3
M4
0.00
0.00
0.00
M1
0.00
0.00
0.00
M2
0.00
1,198,307.10
328,116.84
328,116.84
328,116.84
656,233.67
16,405.84
16,405.84
16,405.84
16,405.84
1,558.55
17,964.40
32,811.68
3,117.11
35,928.79
M3
M4
0.00
184,370.60
17,964.40
65,800.80
35,928.79
24,140.20
-1,198,307.10
-184,370.60
-1,198,307.10 -1,382,677.70
-47,836.40
-1,430,514.10
11,788.59
-1,418,725.51
1,212,500.00
180,000.00
40,000.00
14,192.90
9,822.30
1,985.90
tasa
13,774.49
2.00%
DE PAGOS CONSTANTES
ON ADMINISTRATIVA
SALDO
125,000.00
S/. 83,695.16
S/. 42,029.55
S/. 0.00
125000
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
GIRO Y TRANSFERENCIA
3
12000
0
4
12000
0
5
12000
0
6
12000
0
7
12000
0
0
0
S/. 0.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
0
0
S/. 0.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
0
0
S/. 0.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
0
0
S/. 0.00
#VALUE!
#VALUE!
#VALUE!
#VALUE!
0
0
S/. 0.00
S/. 0.00
S/. 12,000.00
S/. 3,360.00
S/. 8,640.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
0
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
2.532406%
0.717104%
1.290946%
0.062980%
8640.00
8.1600000%
M5
M6
M7
M8
8,285.90
8,285.90
16,101.30
8,038.90
16,101.30
8,038.90
16,101.30
8,038.90
16,101.30
8,038.90
24,140.20
24,140.20
32,426.10
32,426.10
M5
M6
5
15
M7
5
20
M8
5
25
5
30
7,612,310.60
65,623.367
M5
M6
M7
M8
328,116.84
984,350.51
328,116.84
1,312,467.34
328,116.84
1,640,584.18
328,116.84
1,968,701.02
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
32,811.68
3,117.11
35,928.79
32,811.68
3,117.11
35,928.79
32,811.68
3,117.11
35,928.79
32,811.68
3,117.11
35,928.79
M5
M6
M7
M8
35,928.79
24,140.20
35,928.79
24,140.20
35,928.79
32,426.10
35,928.79
32,426.10
11,788.59
-1,406,936.92
11,788.59
-1,395,148.32
3,502.69
-1,391,645.63
3,502.69
-1,388,142.94
0.00
0.00
40,854.37
44,357.06
25,563.08
S/. 1,530,173.65
37,351.68
RE OTROS
M9
M10
M12
M13
160,325.90
17,624.10
158,668.70
17,624.10
147,620.90
17,624.10
147,620.90
17,624.10
147,620.90
17,624.10
16,101.30
8,038.90
2,049.40
16,101.30
8,038.90
2,049.40
1,091.85
16,101.30
8,038.90
2,049.40
1,091.85
16,101.30
8,038.90
2,049.40
545.90
16,101.30
8,038.90
2,049.40
204,139.60
203,574.25
192,526.45
191,980.50
191,434.60
M9
M10
5
35
M9
M11
M11
5
40
M10
M12
5
45
M11
M13
5
50
M12
5
55
M13
328,116.84
2,296,817.85
328,116.84
2,624,934.69
328,116.84
2,953,051.53
328,116.84
3,281,168.36
328,116.84
3,609,285.20
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
295,305.15
295,305.15
295,305.15
328,116.84
31,171.10
359,287.94
328,116.84
31,171.10
359,287.94
328,116.84
31,171.10
359,287.94
2,067,136.07
32,811.68
3,117.11
35,928.79
M9
2,099,947.75
199,495.04
2,299,442.79
M10
M11
M12
M13
35,928.79
2,299,442.79
359,287.94
359,287.94
359,287.94
204,139.60
203,574.25
192,526.45
191,980.50
191,434.60
-168,210.81
-1,556,353.74
2,095,868.54
539,514.80
166,761.49
706,276.28
167,307.44
873,583.72
167,853.34
1,041,437.05
125,000.00
125,000.00
125,000.00
62,500.00
62,500.00
0.00
62,500.00
0.00
1,092.00
1,092.00
546.00
2,097,014.80
2,201,276.28
2,306,083.72
1,146.26
2,473,937.05
M14
M15
M17
M18
147,620.90
17,624.10
147,620.90
17,624.10
147,620.90
17,624.10
370,880.30
17,624.10
370,880.30
17,624.10
16,101.30
8,038.90
2,049.40
16,101.30
8,038.90
2,049.40
16,101.30
8,038.90
2,049.40
16,101.30
8,038.90
2,049.40
16,101.30
8,038.90
2,049.40
191,434.60
191,434.60
191,434.60
414,694.00
414,694.00
M14
M15
5
60
M14
M16
M16
5
65
M15
M17
5
70
M16
M18
5
75
M17
5
80
M18
328,116.84
3,937,402.03
328,116.84
4,265,518.87
328,116.84
4,593,635.71
328,116.84
4,921,752.54
328,116.84
5,249,869.38
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
295,305.15
295,305.15
295,305.15
295,305.15
295,305.15
328,116.84
31,171.10
359,287.94
328,116.84
31,171.10
359,287.94
328,116.84
31,171.10
359,287.94
328,116.84
31,171.10
359,287.94
328,116.84
31,171.10
359,287.94
M14
M15
M16
M17
M18
359,287.94
191,434.60
359,287.94
191,434.60
359,287.94
191,434.60
359,287.94
414,694.00
359,287.94
414,694.00
167,853.34
1,209,290.39
167,853.34
1,377,143.72
167,853.34
1,544,997.06
-55,406.06
1,489,591.00
-55,406.06
1,434,184.93
2,641,790.39
2,809,643.72
2,977,497.06
2,922,091.00
2,866,684.93
M19
M20
M22
M23
370,880.30
17,624.10
370,880.30
17,624.10
251,194.80
17,624.10
251,194.80
17,624.10
158,813.40
17,624.10
16,101.30
8,038.90
2,049.40
16,101.30
8,038.90
2,049.40
16,101.30
4,038.90
2,049.40
16,101.30
4,038.90
2,049.40
16,101.30
3,788.90
2,049.40
414,694.00
414,694.00
291,008.50
291,008.50
198,377.10
M19
M20
5
85
M19
M21
M21
5
90
M20
M22
5
95
M21
M23
5
100
M22
5
105
M23
328,116.84
5,577,986.22
328,116.84
5,906,103.05
328,116.84
6,234,219.89
328,116.84
6,562,336.72
328,116.84
6,890,453.56
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
16,405.84
295,305.15
295,305.15
295,305.15
295,305.15
295,305.15
328,116.84
31,171.10
359,287.94
328,116.84
31,171.10
359,287.94
328,116.84
31,171.10
359,287.94
328,116.84
31,171.10
359,287.94
328,116.84
31,171.10
359,287.94
M19
M20
M21
M22
M23
359,287.94
414,694.00
359,287.94
414,694.00
359,287.94
291,008.50
359,287.94
291,008.50
359,287.94
198,377.10
-55,406.06
1,378,778.87
-55,406.06
1,323,372.80
68,279.44
1,391,652.24
68,279.44
1,459,931.67
160,910.84
1,620,842.51
2,811,278.87
2,755,872.80
2,824,152.24
2,892,431.67
3,053,342.51
M24
M25
M26
M27
60,979.70
158,813.40
17,624.10
24,349.50
16,101.30
3,788.90
2,049.40
16,101.30
3,788.90
198,377.10
19,890.20
M24
M25
5
110
0.00
M26
5
115
85,329.20
M27
Total
1
116
116
116
M24
M25
M26
M27
Total
328,116.84
7,218,570.40
328,116.84
7,546,687.23
65,623.37
7,612,310.60
###
16,405.84
16,405.84
16,405.84
16,405.84
3,281.17
16,405.84
3,281.17
380,615.53
380,615.53
295,305.15
295,305.15
295,305.15
59,061.03
###
###
328,116.84
31,171.10
359,287.94
328,116.84
31,171.10
359,287.94
314,992.16
29,924.26
344,916.42
62,342.20
5,922.51
68,264.71
###
723,169.51
###
M24
M25
M26
M27
Total
359,287.94
198,377.10
359,287.94
19,890.20
344,916.42
0.00
68,264.71
85,329.20
###
###
160,910.84
1,781,753.35
339,397.74
2,121,151.08
344,916.42
2,466,067.50
-17,064.49
2,449,003.01
###
125,000.00
2,730.00
0.00
###
3,214,253.35
3,553,651.08
3,898,567.50
3,881,503.01
3,881,503.01
n depas
88.00
terreno
1,816.00
176.00
urbaniz
edificac
1,816.00
7,600.00
23.00
225.00
proyect
licenc
serv public y legal
4.00
2.00
4.00
inversion
gp
gv
gv
igv
3.00
gf
margen
RESIDENCIAL VARELA
70.03
77
140.06
43237
46986
75693
43000
18
76000
IGV
1023415
SAN CAMILO
INGRESOS
EGRESOS
15,964,595.00
12,277,371.89
IR
3,602,029.07
1,080,608.72
30.00%
2,521,420.35
###
###
6,139.70
8,630.52
51,488.10
319,616.00
3,632.00
41,768.00
1,710,000.00
474.64
19,431.82
68,400.00
34,200.00
68,400.00
777.27
388.64
777.27
2,242,384.00
25,481.64
67,271.52
2,989,133.33
436,764.00
131,029.00
0.30
305,735.00
2,309,044.00
1,872,280.00
679,411.11
0.1324076111
0.1632955541
0.45
94,257.00
102.50%
617.41
610.21
540.43
774,000.00
102.00%
104.5500%
98,545.69
1,407.19
456,000.00
1,230,000.00
1023415
21
48734.05
1023415
184215
184214.7
2231045
9.00%
13.89%
17,401,408.55
13,982,463.11
IGV
IGV EGRESOS
68698
12366
18.00%
90,622.32
137,288.59
192,683.62
159,680.96
196,652.83
217,067.36
1,345.95
508,299.63
6,621.34 1,575,174.97
1508303.46
66,871.51
0.044335581
1349525.21
7497362.278
Seguro de
Seguro de
Portes
0.04%
0.04%
0.03%
0.04%
0.07%
0.10%
0.06%
0.08%
0.07%
0.11%
0.09%
0.04%
0.04%
0.06%
0.06%
y Otros
0.02%
0.02%
0.03%
0.02%
0.03%
0.02%
0.02%
0.03%
0.03%
0.03%
0.03%
0.03%
0.03%
0.07%
0.03%
S/. 0.00
S/. 3.50
S/. 0.00
S/. 8.50
S/. 10.00
S/. 9.00
S/. 9.00
S/. 10.00
S/. 10.00
S/. 9.00
S/. 7.00
S/. 0.00
S/. 8.50
S/. 0.00
S/. 0.00
La informacin mostrada se calcula en funcin a la reportada directamente por las Entidades Financieras, en caso de que estas no hayan proporcio
(1) El Premio al Buen Pagador es un beneficio de S/.12,500 para las viviendas entre S/.51,800 (14 UIT) y S/.185,000 (50 UIT), y de S/. 5,000 para las vivienda
(2) El Seguro de Desgravamen se aplica sobre el saldo insoluto del prstamo. Recuerda que este seguro cubre el pago del crdito hipotecario ante el fallecim
(3) El Seguro de Vivienda se aplica sobre valor de la vivienda. Recuerda que este seguro protege tu vivienda de daos y prdidas durante la duracin del pr
(4) La Cuota Mensual Mnima es el valor mnimo que podras pagar mensualmente en funcin del TCEA mnimo aplicado por la Entidad Financiera.
(5) La Cuota Mensual Mxima es el valor mximo que podras pagar mensualmente en funcin del TCEA mximo aplicado por la Entidad Financiera.
(6) La Tasa Efectiva de Costo Anual (TCEA) es la tasa que incluye todos los costos de un crdito.
TCEA (6)
Valor de
TCEA (6)
Valor de
(Mnima)
Cuota
(Mxima)
Cuota
10.82%
11.35%
11.54%
11.88%
12.08%
12.10%
12.20%
12.23%
12.35%
13.20%
13.72%
13.89%
14.37%
14.55%
17.88%
S/. 1,037.75
S/. 1,058.68
S/. 1,066.36
S/. 1,079.76
S/. 1,087.67
S/. 1,088.67
S/. 1,092.59
S/. 1,093.74
S/. 1,098.69
S/. 1,132.87
S/. 1,153.69
S/. 1,160.70
S/. 1,180.04
S/. 1,187.44
S/. 1,325.37
10.82%
11.35%
11.54%
11.88%
12.08%
12.10%
12.20%
12.23%
12.35%
13.20%
13.72%
13.89%
14.37%
14.55%
17.88%
S/. 1,037.75
S/. 1,058.68
S/. 1,066.36
S/. 1,079.76
S/. 1,087.67
S/. 1,088.67
S/. 1,092.59
S/. 1,093.74
S/. 1,098.69
S/. 1,132.87
S/. 1,153.69
S/. 1,160.70
S/. 1,180.04
S/. 1,187.44
S/. 1,325.37
de que estas no hayan proporcionado informacin se tomar la informacin publicada por la Superintendencia de Banca, Seguros y AFP (SBS).
or la Entidad Financiera.
os y AFP (SBS).
S/. 80,000.00
Seguro de
Desgravamen(2)
Banco de Comercio
0.09%
CMAC Huancayo
0.04%
0.04%
0.06%
CMAC Trujillo
0.06%
MIBANCO
0.04%
Hipotecaria SURA
0.04%
CRAC Credinka
0.03%
Banco Continental
0.04%
Interbank
0.07%
Edpyme MiCasita
0.10%
Scotiabank
0.06%
Banco Financiero
0.08%
Banco de Crdito
BANBIF
0.07%
0.11%
La informacin mostrada se calcula en funcin a la reportada directamente por las Entidades Financieras, en caso de que estas
(1) El Premio al Buen Pagador es un beneficio de S/.12,500 para las viviendas entre S/.51,800 (14 UIT) y S/.185,000 (50 UIT), y de S/. 5,
(2) El Seguro de Desgravamen se aplica sobre el saldo insoluto del prstamo. Recuerda que este seguro cubre el pago del crdito hipote
(3) El Seguro de Vivienda se aplica sobre valor de la vivienda. Recuerda que este seguro protege tu vivienda de daos y prdidas durant
(4) La Cuota Mensual Mnima es el valor mnimo que podras pagar mensualmente en funcin del TCEA mnimo aplicado por la Entidad F
(5) La Cuota Mensual Mxima es el valor mximo que podras pagar mensualmente en funcin del TCEA mximo aplicado por la Entidad
(6) La Tasa Efectiva de Costo Anual (TCEA) es la tasa que incluye todos los costos de un crdito.
Seguro de
Portes
TCEA (6)
Vivienda (3)
y Otros
(Mnima)
0.03%
S/. 7.00
13.86%
0.03%
S/. 0.00
13.99%
0.03%
S/. 8.50
14.53%
0.07%
S/. 0.00
14.81%
0.03%
S/. 0.00
18.02%
0.02%
S/. 0.00
10.90%
0.02%
S/. 3.50
11.44%
0.03%
S/. 0.00
11.64%
0.02%
S/. 8.50
12.00%
0.03%
S/. 10.00
12.23%
0.02%
S/. 9.00
12.25%
0.02%
S/. 9.00
12.33%
0.03%
S/. 10.00
12.39%
0.03%
0.03%
S/. 10.00
S/. 9.00
12.50%
13.38%
e por las Entidades Financieras, en caso de que estas no hayan proporcionado informacin se tomar la informacin publicada por la Superintendencia de Banca
entre S/.51,800 (14 UIT) y S/.185,000 (50 UIT), y de S/. 5,000 para las viviendas mayores a
Recuerda que este seguro cubre el pago del crdito hipotecario ante el fallecimiento del titular.
tos de un crdito.
Mnima (4)
Valor de
TCEA (6)
Valor de
Cuota
(Mxima)
Cuota
S/. 1,009.99
13.86%
S/. 1,009.99
S/. 1,014.59
13.99%
S/. 1,014.59
S/. 1,033.57
14.53%
S/. 1,033.57
S/. 1,043.51
14.81%
S/. 1,043.51
S/. 1,159.47
18.02%
S/. 1,159.47
S/. 906.68
10.90%
S/. 906.68
S/. 925.43
11.44%
S/. 925.43
S/. 932.32
11.64%
S/. 932.32
S/. 944.58
12.00%
S/. 944.58
S/. 952.56
12.23%
S/. 952.56
S/. 953.39
12.25%
S/. 953.39
S/. 956.27
12.33%
S/. 956.27
S/. 958.13
12.39%
S/. 958.13
S/. 962.17
S/. 993.04
12.50%
13.38%
S/. 962.17
S/. 993.04