EJERCICIO 1

LINEA DE CREDITO $15,000.00 MES SALDO

INTERES ANUAL 0.22 1 $15,000.00
INTERES MENSUAL 0.01833333 2 $15,055.00
3 $15,110.20
4 $15,165.61
5 $15,221.21
6 $15,277.02

CAT ANUAL 5400

LINEA DE CREDITO 15,000 MES SALDO
INTERES ANUAL 0.22 1 $15,277.02
INTERES MENSUAL 0.0183333 2 $12,730.85
INTERES MORATORIO 3% 3 $10,184.68
4 $ 7,638.51
5 $ 5,092.34
6 $ 2,546.17
 INTERES SIMPLE PAGO MINIMO INTERES PEND. DE PAGO
$275.00 $220.00 $55.00
$276.01 $220.81 $55.20
$277.02 $221.62 $55.40
$278.04 $222.43 $55.61
$279.06 $223.24 $55.81
$280.08 $224.06
PAGADO $1,332.16

CAPITAL INTERES PAGO QUE DEDIO HACER 3% DE MORATORIO PAGO TOTAL

$ 2,546.17 $ 280.08 $ 2,826.25 $ 84.79 $ 2,911.04
$ 2,546.17 $ 233.40 $ 2,779.57 $ 83.39 $ 2,862.96
$ 2,546.17 $ 186.72 $ 2,732.89 $ 81.99 $ 2,814.88
$ 2,546.17 $ 140.04 $ 2,686.21 $ 80.59 $ 2,766.80
$ 2,546.17 $ 93.36 $ 2,639.53 $ 79.19 $ 2,718.72
$ 2,546.17 $ 46.68 $ 2,592.85 $ 77.79 $ 2,670.64

TOTAL PAGADO $18,077.17

 EJERCICIO 2 CRÉDITO AUOTOMOTRIZ

VALOR DE FACTURA $ 186,000.00

ENGANCHE 30 % $ 55,800.00
MONTO POR PAGAR $ 130,200.00
TASA DE INTERES ANUAL 14.50%
(+) IVA 2.32%
TASA DE INTERES ANUAL TOTAL 16.82%
INTERES MENSUAL 1.20833%

Meses Saldo Pago de

capital
1 $130,200.00 $ 10,850.00
2 $119,350.00 $ 10,850.00
3 $108,500.00 $ 10,850.00
4 $97,650.00 $ 10,850.00
5 $86,800.00 $ 10,850.00
6 $75,950.00 $ 10,850.00
7 $65,100.00 $ 10,850.00
8 $54,250.00 $ 10,850.00
9 $43,400.00 $ 10,850.00
10 $32,550.00 $ 10,850.00
11 $21,700.00 $ 10,850.00
12 $10,850.00 $ 10,850.00
Interés simple Iva 16% Pago total

$ 1573.25 $ 251.72 $ 12,674.97

$ 1442.15 $ 230.74 $ 12,522.89
$ 1311.04 $ 209.77 $ 12,370.81
$ 1179.94 $ 188.79 $ 12,218.73
$ 1048.83 $ 167.81 $ 12,066.65
$ 917.73 $ 146.84 $ 11,914.57
$ 786.62 $ 125.86 $ 11,762.48
$ 655.52 $ 104.88 $ 11,610.40
$ 524.42 $ 83.91 $ 11,458.32
$ 393.31 $ 62.93 $ 11,306.24
$ 262.21 $ 41.95 $ 11,154.16
$ 131.10 $ 20.98 $ 11,002.08

TOTAL PAGADO $ 142,062.30

 EJERCICIO 3 CRÉDITO SIMPLE A 18 MESES

Meses Saldo Pago de

capital

CRÉDITO $ 555,000.00 1 $555,000.00 $ 30,833.33

2 $524,166.67 $ 30,833.33
3 $493,333.34 $ 30,833.33
TASA DE INTERES MENSUAL 2.20%
IVA 0.00352 4 $462,500.01 $ 30,833.33
TOTAL TASA DE INTERES MENSUA 2.55% 5 $431,666.68 $ 30,833.33
INTERES MORATORIO 3% 6 $400,833.35 $ 30,833.33
RETRASO DE DÍAS 90 7 $370,000.02 $ 30,833.33
RESTRUCTURA DE MESES 12 8 $339,166.69 $ 30,833.33
GASTOS DE COBRANZA 10% 9 $308,333.36 $ 30,833.33
10 $277,500.03 $ 30,833.33
11 $246,666.70 $ 30,833.33
12 $215,833.37 $ 30,833.33
13 $185,000.04 $ 30,833.33
14 $154,166.71 $ 30,833.33
15 $123,333.38 $ 30,833.33
16 $92,500.05 $ 30,833.33
17 $61,666.72 $ 30,833.33
18 $30,833.39 $ 30,833.33
 RETRASO DE 90 DÍAS I. MORATORIO
SALDO AL MES 9 $ 308,333.36 3% $ 9,250.00

Interés Pago total Nuevo saldo al

simple (+) momento
IVA
$ 336,083.36
$ 14163.60 $ 44,996.93
$ 13376.73 $ 44,210.06 RESTRUCTURACIÓN
$ 12589.87 $ 43,423.20 Meses Saldo Pago de Interés simple (+) IVA
capital
$ 11803.00 $ 42,636.33 1 $336,083.36 $ 28,006.95 $ 8576.85
$ 11016.13 $ 41,849.46 2 $308,076.42 $ 28,006.95 $ 7862.11
$ 10229.27 $ 41,062.60 3 $280,069.47 $ 28,006.95 $ 7147.37
$ 9442.40 $ 40,275.73 4 $252,062.52 $ 28,006.95 $ 6432.64
$ 8655.53 $ 39,488.86 5 $224,055.57 $ 28,006.95 $ 5717.90
$ 7868.67 $ 38,702.00 6 $196,048.62 $ 28,006.95 $ 5003.16
$ 7081.80 $ 37,915.13 7 $168,041.67 $ 28,006.95 $ 4288.42
$ 6294.93 $ 37,128.26 8 $140,034.72 $ 28,006.95 $ 3573.69
$ 5508.07 $ 36,341.40 9 $112,027.77 $ 28,006.95 $ 2858.95
$ 4721.20 $ 35,554.53 10 $84,020.82 $ 28,006.95 $ 2144.21
$ 3934.33 $ 34,767.66 11 $56,013.87 $ 28,006.95 $ 1429.47
$ 3147.47 $ 33,980.80 12 $28,006.92 $ 28,006.95 $ 714.74
$ 2360.60 $ 33,193.93
$ 1573.73 $ 32,407.06
$ 786.87 $ 31,620.20
 DÍAS
$ 308.33 90 $ 27,750.00

Subtotal Interes Moratorio Gastos de Pago total

3% cobranza
$ 36583.79 $ 1097.51 $ 3768.13
10% $ 41,449.44
$ 35869.06 $ 1076.07 $ 3694.51 $ 40,639.65
$ 35154.32 $ 1054.63 $ 3620.90 $ 39,829.85
$ 34439.59 $ 1033.19 $ 3547.28 $ 39,020.05
$ 33724.85 $ 1011.75 $ 3473.66 $ 38,210.25
$ 33010.11 $ 990.30 $ 3400.04 $ 37,400.46
$ 32295.37 $ 968.86 $ 3326.42 $ 36,590.66
$ 31580.64 $ 947.42 $ 3252.81 $ 35,780.86
$ 30865.90 $ 925.98 $ 3179.19 $ 34,971.06
$ 30151.16 $ 904.53 $ 3105.57 $ 34,161.27
$ 29436.42 $ 883.09 $ 3031.95 $ 33,351.47
$ 28721.69 $ 861.65 $ 2958.33 $ 32,541.67

MONTO POR PAGAR $ 443,946.68

EJERCICIO 4 CRÉDITO PARA CAPITAL DE TRABAJO

MONTO $ 235,000.00
TASA DE INTERES ANUAL (0.18) 18% MES
PENALIZACION (0.02) 2% 1
2
INTERES MENSUAL 1.5% 3
4

MES
1
2
3
4
5
6

LA DESICIÓN DE PAGAR DE $ 8,224.98

MANERA ANTICIPADA NUESTRO
CRÉDITO, RESULTO SER $8,224.98 PESOS MÁS CARO. QUE SI
HUBIESEMOS PAGADO A LOS 180 DÍAS PACTADOS DESDE EL INICIO.
SALDO CAPITAL INTERES PENALIZACIÓN 2% PAGO TOTAL
$ 235,000.00 $ 58,750.00 $ 3,525.00 $ 4,700.00 $ 66,975.00
$ 176,250.00 $ 58,750.00 $ 2,643.75 $ 3,525.00 $ 64,918.75
$ 117,500.00 $ 58,750.00 $ 1,762.50 $ 2,350.00 $ 62,862.50
$ 58,750.00 $ 58,750.00 $ 881.25 $ 1,175.00 $ 60,806.25

TOTAL PAGADO $ 255,562.50

SALDO CAPITAL INTERES PAGO TOTAL

$ 235,000.00 $ 39,166.67 $ 3,525.00 $ 42,691.67
$ 195,833.33 $ 39,166.67 $ 2,937.50 $ 42,104.17
$ 156,666.66 $ 39,166.67 $ 2,350.00 $ 41,516.67
$ 117,499.99 $ 39,166.67 $ 1,762.50 $ 40,929.17
$ 78,333.32 $ 39,166.67 $ 1,175.00 $ 40,341.67
$ 39,166.65 $ 39,166.67 $ 587.50 $ 39,754.17

$ 247,337.52
EJERCICIO 5

LINEA DE CREDITO $68,000.00 MES

INTERES ANUAL 24% 1
INTERES MENSUAL 2% 2
3
4
CRÉDITO GASTADO 70% $47,600.00 5
6
7
8

CAT ANUAL 42% $19,992.00

INTERES MORATORIO 3%
MES
1
2
3
4
5
6
 INTERES PEND. DE
SALDO INTERES SIMPLE PAGO MINIMO PAGO
$47,600.00 $952.00 $761.60 $190.40
$47,790.40 $955.81 $764.65 $191.16
$47,981.56 $959.63 $767.70 $191.93
$48,173.49 $963.47 $770.78 $192.69
$48,366.18 $967.32 $773.86 $193.46
$48,559.65 $971.19 $776.95 $194.24
$48,753.89 $975.08 $780.06 $195.02
$48,948.90 $978.98 $783.18 $195.80

SALDO CAPITAL INTERES PAGO QUE DEDIO HACER

3% DE MORATORIO
$ 48,366.18 $ 8,061.03 $ 967.32 $ 9,028.35 $ 270.85
$ 40,305.15 $ 8,061.03 $ 806.10 $ 8,867.13 $ 266.01
$ 32,244.12 $ 8,061.03 $ 644.88 $ 8,705.91 $ 261.18
$ 24,183.09 $ 8,061.03 $ 483.66 $ 8,544.69 $ 256.34
$ 16,122.06 $ 8,061.03 $ 322.44 $ 8,383.47 $ 251.50
$ 8,061.03 $ 8,061.03 $ 161.22 $ 8,222.25 $ 246.67

TOTAL PAGADO
PAGO TOTAL
$ 9,299.20
$ 9,133.15
$ 8,967.09
$ 8,801.03
$ 8,634.98
$ 8,468.92

$53,304.37