“AÑO DEL FORTALECIMIENTO DE LA SOBERANÍA NACIONAL”

INTEGRANTES:

 Estefany Santisteban Yzaga

 Zingri Urpeque Pisfil
 Alberto Sernaqué Torres

DOCENTE:

 Víctor Alejandro Armas Chang

CARRERA PROFESIONAL:

 ADMINISTRACION DE EMPRESAS

CICLO:

 II CICLO

CURSO:

 MATEMÁTICA FINANCIERA

2022
 MATEMATICA FINANCIERA
ACTIVO A COMPRAR: CREDITO HIPOTECARIO

Introducción:

En este caso elegimos un crédito hipotecario por motivo de independencia y tener un

espacio por el cual poder trabajar a gusto y salir adelante por nuestros medios.
Solicitamos en tres bancos BCP, INTERBANK, SCOTIABANK información necesaria
para comprobar y comparar los beneficios, ventajas y las tasas que nos ofrecen al
requerir dicho activo.
A continuación, presentaremos los datos adquiridos de cada banco, así como sus
cronogramas brindados por ellos, y nuestros cronogramas (cronograma francés)
realizados, para finalmente anexarlos.

BENEFICIOS
BANCO DE CREDITO(BCP) INTERBANK SCOTIABANK

Plazo( desde – hasta)

Monto (desde – hasta)
Porcentaje de financiamiento
tasas

REQUISITOS
BANCO DE CREDITO(BCP) INTERBANK SCOTIABANK

Edad (desde – hasta)

BENEFICIOS DEL CRÉDITO HIPOTECARIO BCP
 ¡Es flexible! Puedes pagar entre 12 o 14 cuotas al año y con periodo de gracia
de 1 a 6 meses.
 Pre-paga ilimitadamente tu Crédito Hipotecario de manera gratuita.
 Cambia la fecha de pago, plazo o cuota del Crédito Hipotecario sin costo.
 Tu tasa de interés es fija, no varía durante la vigencia del crédito.
 ¡Crédito Compartido! Si quieres compartir el crédito evaluamos a las personas
involucradas sin importar el tipo de relación, sexo ni parentesco.

BENEFICIOS DEL CREDITO HIPOTECARIO INTERBANK

 PAGALO HASTA EN 30 AÑOS
 MAS OPCIONES PARA CALIFICAR
 ADELANTA TUS CUOTAS
 HASTA EL 90% DE TU VIVIENDA
 DATE UN RESPIRO UNA VEZ AL AÑO

BENEFICIOS DEL CREDITO HIPOTECARIO SCOTIABANK:

 Hasta 30 años para pagar
 Financiamiento para comprar, construir o ampliar tu casa, departamento, casa
de playa, casa de campo o terreno urbanizado en ciudad.
 Crédito desde US$ 10,000 o su equivalente en Soles.
 Cuotas simples o dobles, según tu preferencia.
 Financiamiento de hasta el 90% del valor del inmueble puesto en garantía,
según crédito solicitado.
 Realizar pagos parciales o cancelar anticipadamente, sin penalidades,
comisiones ni costos adicionales.
 Seguro de Desgravamen y Seguro contra Todo Riesgo.
 Puedes acceder a Cuota Comodín una vez cada 12 meses y hasta 4 veces
durante el plazo de tu crédito.

REQUISITOS:

BCP:

 Tus ingresos mensuales deben ser mayores a S/ 1,500 o $400.

 Documentación
 DNI o Carné de extranjería
 Si recibes tu sueldo en el BCP, no deberás presentar sustento de ingresos.
 Si no recibes tu sueldo en el BCP debes presentar sustento de tus ingresos
con boletas de pago, recibos por honorario, etc. dependiendo de la categoría
de tu ingreso.
INTERBANK:

 Ser mayor de 18 años.

 Tener DNI o Carné de extranjería.
 Sustentar tus ingresos con boletas de pago, recibos por honorario, etc.
Dependiendo de la categoría de tu ingreso.
 Tener un ingreso mínimo de S/ 1,000 mensuales.
 Tener continuidad laboral de mínimo 6 meses.

SCOTIABANK:

 Ingreso mínimo de S/ 1,000 mensuales.

TASAS Y TARIFAS

BCP:

 La TEA máxima para crédito en soles 13.90%

 La TEA máxima para crédito en dólares 12.70%

INTERBANK:

De S/ 20,000.00 a S/ 200,000.00
 De 5 a 10 años 8.30% 13.94%
 De 11 a 15 años 8.40% 14.42%
 De 16 a 20 años 8.80% 14.88%
 De 21 a 30 años 9.10% 15.05%

SCOTIABANK:

 Montos hasta S/ 90,000 o equivalente en US$ 11.00% a 12.50% S/ 10.50%

a 11.70%
 Montos hasta S/ 210,000 o equivalente en US$ 10.50% a 12.00% S/ 10.00%
a 11.00%
 Montos hasta S/ 300,000 o equivalente en US$ 10.00% a 11.50% S/ 9.00% a
10.50%
 Montos mayores a S/ 300,000.00 o equivalente en US$ 9.50% a S/11.00%
8.70% a 9.70%

ADICIONAL:

INTERBANK:

¿PRIMERA CASA? TE CONTAMOS LO PRINCIPAL AQUÍ

¿QUÉ ES LA CUOTA INICIAL?
 La cuota inicial es un pago que se da de forma adelantada de mínimo el 10%
del valor del inmueble.
¿QUÉ ES EL TIPO DE CUOTA?
 Cuota Simple: 12 pagos al año.
  Cuota Doble: 14 pagos al año. Una cuota adicional en los meses de julio y
diciembre.
¿QUÉ TIPO DE INMUEBLE PUEDO FINANCIAR CON UN CRÉDITO
HIPOTECARIO TRADICIONAL?
 Si quieres comprar una casa, remodelar o ampliar la que ya tienes, financiar un
terreno, casa de campo o playa, el Crédito Hipotecario de Interbank es para ti.
¿QUÉ ES UN SEGURO DE INMUEBLE Y DE DESGRAVAMEN?
 Seguro de inmueble: Protege tu inmueble de algún siniestro natural.
 Seguro de desgravamen: Asume el saldo pendiente del crédito ante
fallecimiento o invalidez total y permanente.

CARACTERÍSTICAS PRINCIPALES DEL CRÉDITO

UN CRÉDITO SIN LÍMITES
 Hasta 6 meses para pagar la primera cuota si es un proyecto Interbank y hasta
3 meses en viviendas terminadas.
 Puedes incluir los gastos de tramitación dentro del préstamo.
MAYOR COMODIDAD
 Nuestros créditos se asocian a una Cuenta de Ahorros la cual puedes asociar
al pago automático de tu crédito.
 Si ya tienes una cuenta con nosotros la asociaremos a la cuenta de tu
preferencia. De lo contrario abriremos una Cuenta Simple con cero costos de
mantenimiento.
 Además de nuestros canales digitales puedes utilizar las. Tiendas Interbank
para realizar los pagos de tus cuotas.

TU FAMILIA ESTÁ PROTEGIDA

 Cuentas con seguro de desgravamen.

ELIGE EL TIPO DE MONEDA

 Puedes escoger la moneda de tu préstamo entre soles y dólares.
 Si lo deseas puedes pagar cuotas extraordinarias en julio y en diciembre (cuota
doble)

OTRAS FORMAS DE CALIFICAR

AHORRO CASA
 Sustenta tus ingresos depositando de forma mensual con nuestra Cuenta
Ahorro Casa y has realidad el sueño de la casa propia. Conoce más aquí

CRÉDITO HIPOTECARIO: DÚO

 Suma tus ingresos con quien más quieras y cumple con el sueño de la casa
propia. Conoce más aquí
¿CÓMO USAR EL 25% DE MI AFP?
DISPONIBLE PARA TU PRIMER INMUEBLE
 Se puede utilizar como parte de la cuota inicial de tu primer inmueble.
 Se considera como inmueble: casa, departamento, estacionamiento, depósito,
terreno.

REQUISITOS
 No ser titular, cónyuge o co-deudor de ningún Crédito Hipotecario.
 No haber utilizado el 25% de tu AFP para la compra de un inmueble o para
amortizar un Crédito Hipotecario.
 Desde el 30/06/2016 no debes ser propietario de ningún inmueble de forma
individual o a través de tu cónyuge.
 No ser propietario ni co-propietario de in inmueble inscrito o inscribible en
registros públicos con 50% o más de participación.

TENIENDO EN CUENTA TODA LA INFORMACION BRINDADA CONTINUAMOS CON

LOS CRONOGRAMAS DETALLADOS:
EL CREDITO REQUERIDO FUE DE 200,000.00 SOLES EN UN PLAZO DE 15 AÑOS,
CADA BANCO NOS OFRECIO DIFERENTES TASAS POR EJEMPLOS:

BANCO BCP
BANCO INTERBANK

BANCO SCOTIABANK

CRONOGRAMAS:
CON LO OBTENIDO REALIZAMOS NUESTROS CRONOGRAMAS FRANCES:

INTERBANK

TEA 9%

TEM 0.79%

  0.79%  
N° SALDO AMORTIZACIÓN INTERES CUOTA
1 S/.200,000.00 S/.264.46 S/.1,580.00 S/.1,844.46
2 S/.199,735.54 S/.266.55 S/.1,577.91 S/.1,844.46
3 S/.199,468.99 S/.268.65 S/.1,575.81 S/.1,844.46
4 S/.199,200.34 S/.270.78 S/.1,573.68 S/.1,844.46
5 S/.198,929.56 S/.272.92 S/.1,571.54 S/.1,844.46
6 S/.198,656.64 S/.275.07 S/.1,569.39 S/.1,844.46
7 S/.198,381.57 S/.277.25 S/.1,567.21 S/.1,844.46
8 S/.198,104.32 S/.279.44 S/.1,565.02 S/.1,844.46
9 S/.197,824.89 S/.281.64 S/.1,562.82 S/.1,844.46
10 S/.197,543.24 S/.283.87 S/.1,560.59 S/.1,844.46
11 S/.197,259.38 S/.286.11 S/.1,558.35 S/.1,844.46
12 S/.196,973.27 S/.288.37 S/.1,556.09 S/.1,844.46
13 S/.196,684.89 S/.290.65 S/.1,553.81 S/.1,844.46
14 S/.196,394.24 S/.292.95 S/.1,551.51 S/.1,844.46
15 S/.196,101.30 S/.295.26 S/.1,549.20 S/.1,844.46
16 S/.195,806.04 S/.297.59 S/.1,546.87 S/.1,844.46
17 S/.195,508.45 S/.299.94 S/.1,544.52 S/.1,844.46
18 S/.195,208.50 S/.302.31 S/.1,542.15 S/.1,844.46
19 S/.194,906.19 S/.304.70 S/.1,539.76 S/.1,844.46
20 S/.194,601.49 S/.307.11 S/.1,537.35 S/.1,844.46
21 S/.194,294.38 S/.309.53 S/.1,534.93 S/.1,844.46
22 S/.193,984.85 S/.311.98 S/.1,532.48 S/.1,844.46
23 S/.193,672.87 S/.314.44 S/.1,530.02 S/.1,844.46
24 S/.193,358.42 S/.316.93 S/.1,527.53 S/.1,844.46
25 S/.193,041.49 S/.319.43 S/.1,525.03 S/.1,844.46
26 S/.192,722.06 S/.321.96 S/.1,522.50 S/.1,844.46
27 S/.192,400.11 S/.324.50 S/.1,519.96 S/.1,844.46
28 S/.192,075.61 S/.327.06 S/.1,517.40 S/.1,844.46
29 S/.191,748.55 S/.329.65 S/.1,514.81 S/.1,844.46
30 S/.191,418.90 S/.332.25 S/.1,512.21 S/.1,844.46
31 S/.191,086.65 S/.334.88 S/.1,509.58 S/.1,844.46
32 S/.190,751.77 S/.337.52 S/.1,506.94 S/.1,844.46
33 S/.190,414.25 S/.340.19 S/.1,504.27 S/.1,844.46
34 S/.190,074.06 S/.342.87 S/.1,501.59 S/.1,844.46
35 S/.189,731.19 S/.345.58 S/.1,498.88 S/.1,844.46
36 S/.189,385.61 S/.348.31 S/.1,496.15 S/.1,844.46
37 S/.189,037.29 S/.351.07 S/.1,493.39 S/.1,844.46
38 S/.188,686.23 S/.353.84 S/.1,490.62 S/.1,844.46
39 S/.188,332.39 S/.356.63 S/.1,487.83 S/.1,844.46
40 S/.187,975.75 S/.359.45 S/.1,485.01 S/.1,844.46
41 S/.187,616.30 S/.362.29 S/.1,482.17 S/.1,844.46
42 S/.187,254.01 S/.365.15 S/.1,479.31 S/.1,844.46
43 S/.186,888.86 S/.368.04 S/.1,476.42 S/.1,844.46
44 S/.186,520.82 S/.370.95 S/.1,473.51 S/.1,844.46
45 S/.186,149.87 S/.373.88 S/.1,470.58 S/.1,844.46
46 S/.185,776.00 S/.376.83 S/.1,467.63 S/.1,844.46
47 S/.185,399.17 S/.379.81 S/.1,464.65 S/.1,844.46
48 S/.185,019.36 S/.382.81 S/.1,461.65 S/.1,844.46
49 S/.184,636.55 S/.385.83 S/.1,458.63 S/.1,844.46
50 S/.184,250.72 S/.388.88 S/.1,455.58 S/.1,844.46
51 S/.183,861.84 S/.391.95 S/.1,452.51 S/.1,844.46
52 S/.183,469.89 S/.395.05 S/.1,449.41 S/.1,844.46
53 S/.183,074.84 S/.398.17 S/.1,446.29 S/.1,844.46
54 S/.182,676.68 S/.401.31 S/.1,443.15 S/.1,844.46
55 S/.182,275.36 S/.404.48 S/.1,439.98 S/.1,844.46
56 S/.181,870.88 S/.407.68 S/.1,436.78 S/.1,844.46
57 S/.181,463.20 S/.410.90 S/.1,433.56 S/.1,844.46
58 S/.181,052.30 S/.414.15 S/.1,430.31 S/.1,844.46
59 S/.180,638.15 S/.417.42 S/.1,427.04 S/.1,844.46
60 S/.180,220.73 S/.420.72 S/.1,423.74 S/.1,844.46
61 S/.179,800.01 S/.424.04 S/.1,420.42 S/.1,844.46
62 S/.179,375.97 S/.427.39 S/.1,417.07 S/.1,844.46
63 S/.178,948.59 S/.430.77 S/.1,413.69 S/.1,844.46
64 S/.178,517.82 S/.434.17 S/.1,410.29 S/.1,844.46
65 S/.178,083.65 S/.437.60 S/.1,406.86 S/.1,844.46
66 S/.177,646.05 S/.441.06 S/.1,403.40 S/.1,844.46
67 S/.177,204.99 S/.444.54 S/.1,399.92 S/.1,844.46
68 S/.176,760.45 S/.448.05 S/.1,396.41 S/.1,844.46
69 S/.176,312.40 S/.451.59 S/.1,392.87 S/.1,844.46
70 S/.175,860.81 S/.455.16 S/.1,389.30 S/.1,844.46
71 S/.175,405.65 S/.458.76 S/.1,385.70 S/.1,844.46
72 S/.174,946.89 S/.462.38 S/.1,382.08 S/.1,844.46
73 S/.174,484.51 S/.466.03 S/.1,378.43 S/.1,844.46
74 S/.174,018.48 S/.469.71 S/.1,374.75 S/.1,844.46
75 S/.173,548.77 S/.473.42 S/.1,371.04 S/.1,844.46
76 S/.173,075.34 S/.477.16 S/.1,367.30 S/.1,844.46
77 S/.172,598.18 S/.480.93 S/.1,363.53 S/.1,844.46
78 S/.172,117.24 S/.484.73 S/.1,359.73 S/.1,844.46
79 S/.171,632.51 S/.488.56 S/.1,355.90 S/.1,844.46
80 S/.171,143.95 S/.492.42 S/.1,352.04 S/.1,844.46
81 S/.170,651.52 S/.496.31 S/.1,348.15 S/.1,844.46
82 S/.170,155.21 S/.500.23 S/.1,344.23 S/.1,844.46
83 S/.169,654.98 S/.504.19 S/.1,340.27 S/.1,844.46
84 S/.169,150.79 S/.508.17 S/.1,336.29 S/.1,844.46
85 S/.168,642.62 S/.512.18 S/.1,332.28 S/.1,844.46
86 S/.168,130.44 S/.516.23 S/.1,328.23 S/.1,844.46
87 S/.167,614.21 S/.520.31 S/.1,324.15 S/.1,844.46
88 S/.167,093.90 S/.524.42 S/.1,320.04 S/.1,844.46
89 S/.166,569.49 S/.528.56 S/.1,315.90 S/.1,844.46
90 S/.166,040.92 S/.532.74 S/.1,311.72 S/.1,844.46
91 S/.165,508.19 S/.536.95 S/.1,307.51 S/.1,844.46
92 S/.164,971.24 S/.541.19 S/.1,303.27 S/.1,844.46
93 S/.164,430.05 S/.545.46 S/.1,299.00 S/.1,844.46
94 S/.163,884.59 S/.549.77 S/.1,294.69 S/.1,844.46
95 S/.163,334.82 S/.554.11 S/.1,290.35 S/.1,844.46
96 S/.162,780.71 S/.558.49 S/.1,285.97 S/.1,844.46
97 S/.162,222.21 S/.562.90 S/.1,281.56 S/.1,844.46
98 S/.161,659.31 S/.567.35 S/.1,277.11 S/.1,844.46
99 S/.161,091.96 S/.571.83 S/.1,272.63 S/.1,844.46
100 S/.160,520.12 S/.576.35 S/.1,268.11 S/.1,844.46
101 S/.159,943.77 S/.580.90 S/.1,263.56 S/.1,844.46
102 S/.159,362.87 S/.585.49 S/.1,258.97 S/.1,844.46
103 S/.158,777.38 S/.590.12 S/.1,254.34 S/.1,844.46
104 S/.158,187.26 S/.594.78 S/.1,249.68 S/.1,844.46
105 S/.157,592.48 S/.599.48 S/.1,244.98 S/.1,844.46
106 S/.156,993.00 S/.604.22 S/.1,240.24 S/.1,844.46
107 S/.156,388.78 S/.608.99 S/.1,235.47 S/.1,844.46
108 S/.155,779.79 S/.613.80 S/.1,230.66 S/.1,844.46
109 S/.155,165.99 S/.618.65 S/.1,225.81 S/.1,844.46
110 S/.154,547.34 S/.623.54 S/.1,220.92 S/.1,844.46
111 S/.153,923.81 S/.628.46 S/.1,216.00 S/.1,844.46
112 S/.153,295.35 S/.633.43 S/.1,211.03 S/.1,844.46
113 S/.152,661.92 S/.638.43 S/.1,206.03 S/.1,844.46
114 S/.152,023.49 S/.643.47 S/.1,200.99 S/.1,844.46
115 S/.151,380.01 S/.648.56 S/.1,195.90 S/.1,844.46
116 S/.150,731.46 S/.653.68 S/.1,190.78 S/.1,844.46
117 S/.150,077.77 S/.658.85 S/.1,185.61 S/.1,844.46
118 S/.149,418.93 S/.664.05 S/.1,180.41 S/.1,844.46
119 S/.148,754.88 S/.669.30 S/.1,175.16 S/.1,844.46
120 S/.148,085.58 S/.674.58 S/.1,169.88 S/.1,844.46
121 S/.147,411.00 S/.679.91 S/.1,164.55 S/.1,844.46
122 S/.146,731.09 S/.685.28 S/.1,159.18 S/.1,844.46
123 S/.146,045.80 S/.690.70 S/.1,153.76 S/.1,844.46
124 S/.145,355.10 S/.696.15 S/.1,148.31 S/.1,844.46
125 S/.144,658.95 S/.701.65 S/.1,142.81 S/.1,844.46
126 S/.143,957.29 S/.707.20 S/.1,137.26 S/.1,844.46
127 S/.143,250.10 S/.712.78 S/.1,131.68 S/.1,844.46
128 S/.142,537.31 S/.718.42 S/.1,126.04 S/.1,844.46
129 S/.141,818.90 S/.724.09 S/.1,120.37 S/.1,844.46
130 S/.141,094.81 S/.729.81 S/.1,114.65 S/.1,844.46
131 S/.140,364.99 S/.735.58 S/.1,108.88 S/.1,844.46
132 S/.139,629.42 S/.741.39 S/.1,103.07 S/.1,844.46
133 S/.138,888.03 S/.747.24 S/.1,097.22 S/.1,844.46
134 S/.138,140.79 S/.753.15 S/.1,091.31 S/.1,844.46
135 S/.137,387.64 S/.759.10 S/.1,085.36 S/.1,844.46
136 S/.136,628.54 S/.765.09 S/.1,079.37 S/.1,844.46
137 S/.135,863.45 S/.771.14 S/.1,073.32 S/.1,844.46
138 S/.135,092.31 S/.777.23 S/.1,067.23 S/.1,844.46
139 S/.134,315.08 S/.783.37 S/.1,061.09 S/.1,844.46
140 S/.133,531.71 S/.789.56 S/.1,054.90 S/.1,844.46
141 S/.132,742.15 S/.795.80 S/.1,048.66 S/.1,844.46
142 S/.131,946.35 S/.802.08 S/.1,042.38 S/.1,844.46
143 S/.131,144.27 S/.808.42 S/.1,036.04 S/.1,844.46
144 S/.130,335.85 S/.814.81 S/.1,029.65 S/.1,844.46
145 S/.129,521.04 S/.821.24 S/.1,023.22 S/.1,844.46
146 S/.128,699.79 S/.827.73 S/.1,016.73 S/.1,844.46
147 S/.127,872.06 S/.834.27 S/.1,010.19 S/.1,844.46
148 S/.127,037.79 S/.840.86 S/.1,003.60 S/.1,844.46
149 S/.126,196.93 S/.847.50 S/.996.96 S/.1,844.46
 150 S/.125,349.43 S/.854.20 S/.990.26 S/.1,844.46
151 S/.124,495.23 S/.860.95 S/.983.51 S/.1,844.46
152 S/.123,634.28 S/.867.75 S/.976.71 S/.1,844.46
153 S/.122,766.53 S/.874.60 S/.969.86 S/.1,844.46
154 S/.121,891.93 S/.881.51 S/.962.95 S/.1,844.46
155 S/.121,010.41 S/.888.48 S/.955.98 S/.1,844.46
156 S/.120,121.93 S/.895.50 S/.948.96 S/.1,844.46
157 S/.119,226.44 S/.902.57 S/.941.89 S/.1,844.46
158 S/.118,323.87 S/.909.70 S/.934.76 S/.1,844.46
159 S/.117,414.16 S/.916.89 S/.927.57 S/.1,844.46
160 S/.116,497.28 S/.924.13 S/.920.33 S/.1,844.46
161 S/.115,573.15 S/.931.43 S/.913.03 S/.1,844.46
162 S/.114,641.71 S/.938.79 S/.905.67 S/.1,844.46
163 S/.113,702.92 S/.946.21 S/.898.25 S/.1,844.46
164 S/.112,756.72 S/.953.68 S/.890.78 S/.1,844.46
165 S/.111,803.03 S/.961.22 S/.883.24 S/.1,844.46
166 S/.110,841.82 S/.968.81 S/.875.65 S/.1,844.46
167 S/.109,873.01 S/.976.46 S/.868.00 S/.1,844.46
168 S/.108,896.54 S/.984.18 S/.860.28 S/.1,844.46
169 S/.107,912.37 S/.991.95 S/.852.51 S/.1,844.46
170 S/.106,920.42 S/.999.79 S/.844.67 S/.1,844.46
171 S/.105,920.63 S/.1,007.69 S/.836.77 S/.1,844.46
172 S/.104,912.94 S/.1,015.65 S/.828.81 S/.1,844.46
173 S/.103,897.29 S/.1,023.67 S/.820.79 S/.1,844.46
174 S/.102,873.62 S/.1,031.76 S/.812.70 S/.1,844.46
175 S/.101,841.86 S/.1,039.91 S/.804.55 S/.1,844.46
176 S/.100,801.95 S/.1,048.12 S/.796.34 S/.1,844.46
178 S/.99,753.83 S/.1,056.40 S/.788.06 S/.1,844.46
179 S/.98,697.42 S/.1,064.75 S/.779.71 S/.1,844.46
180 S/.97,632.67 S/.1,073.16 S/.771.30 S/.1,844.46
    S/.103,440.49 S/.226,717.85 S/.330,158.34

BCP:

TEA 10%

TEM 0.79%

  0.79%  
N° SALDO AMORTIZACIÓN INTERES CUOTA
1 S/.200,000.00 S/.492.30 S/.1,580.00 S/.2,072.30
2 S/.199,507.70 S/.496.19 S/.1,576.11 S/.2,072.30
3 S/.199,011.51 S/.500.11 S/.1,572.19 S/.2,072.30
4 S/.198,511.40 S/.504.06 S/.1,568.24 S/.2,072.30
5 S/.198,007.34 S/.508.04 S/.1,564.26 S/.2,072.30
6 S/.197,499.30 S/.512.06 S/.1,560.24 S/.2,072.30
7 S/.196,987.24 S/.516.10 S/.1,556.20 S/.2,072.30
8 S/.196,471.14 S/.520.18 S/.1,552.12 S/.2,072.30
 9 S/.195,950.97 S/.524.29 S/.1,548.01 S/.2,072.30
10 S/.195,426.68 S/.528.43 S/.1,543.87 S/.2,072.30
11 S/.194,898.25 S/.532.60 S/.1,539.70 S/.2,072.30
12 S/.194,365.65 S/.536.81 S/.1,535.49 S/.2,072.30
13 S/.193,828.83 S/.541.05 S/.1,531.25 S/.2,072.30
14 S/.193,287.78 S/.545.33 S/.1,526.97 S/.2,072.30
15 S/.192,742.45 S/.549.63 S/.1,522.67 S/.2,072.30
16 S/.192,192.82 S/.553.98 S/.1,518.32 S/.2,072.30
17 S/.191,638.84 S/.558.35 S/.1,513.95 S/.2,072.30
18 S/.191,080.49 S/.562.76 S/.1,509.54 S/.2,072.30
19 S/.190,517.73 S/.567.21 S/.1,505.09 S/.2,072.30
20 S/.189,950.52 S/.571.69 S/.1,500.61 S/.2,072.30
21 S/.189,378.83 S/.576.21 S/.1,496.09 S/.2,072.30
22 S/.188,802.62 S/.580.76 S/.1,491.54 S/.2,072.30
23 S/.188,221.86 S/.585.35 S/.1,486.95 S/.2,072.30
24 S/.187,636.51 S/.589.97 S/.1,482.33 S/.2,072.30
25 S/.187,046.54 S/.594.63 S/.1,477.67 S/.2,072.30
26 S/.186,451.91 S/.599.33 S/.1,472.97 S/.2,072.30
27 S/.185,852.58 S/.604.06 S/.1,468.24 S/.2,072.30
28 S/.185,248.51 S/.608.84 S/.1,463.46 S/.2,072.30
29 S/.184,639.68 S/.613.65 S/.1,458.65 S/.2,072.30
30 S/.184,026.03 S/.618.49 S/.1,453.81 S/.2,072.30
31 S/.183,407.54 S/.623.38 S/.1,448.92 S/.2,072.30
32 S/.182,784.16 S/.628.31 S/.1,443.99 S/.2,072.30
33 S/.182,155.85 S/.633.27 S/.1,439.03 S/.2,072.30
34 S/.181,522.58 S/.638.27 S/.1,434.03 S/.2,072.30
35 S/.180,884.31 S/.643.31 S/.1,428.99 S/.2,072.30
36 S/.180,241.00 S/.648.40 S/.1,423.90 S/.2,072.30
37 S/.179,592.60 S/.653.52 S/.1,418.78 S/.2,072.30
38 S/.178,939.08 S/.658.68 S/.1,413.62 S/.2,072.30
39 S/.178,280.40 S/.663.88 S/.1,408.42 S/.2,072.30
40 S/.177,616.51 S/.669.13 S/.1,403.17 S/.2,072.30
41 S/.176,947.39 S/.674.42 S/.1,397.88 S/.2,072.30
42 S/.176,272.97 S/.679.74 S/.1,392.56 S/.2,072.30
43 S/.175,593.23 S/.685.11 S/.1,387.19 S/.2,072.30
44 S/.174,908.11 S/.690.53 S/.1,381.77 S/.2,072.30
45 S/.174,217.59 S/.695.98 S/.1,376.32 S/.2,072.30
46 S/.173,521.61 S/.701.48 S/.1,370.82 S/.2,072.30
47 S/.172,820.13 S/.707.02 S/.1,365.28 S/.2,072.30
48 S/.172,113.11 S/.712.61 S/.1,359.69 S/.2,072.30
49 S/.171,400.50 S/.718.24 S/.1,354.06 S/.2,072.30
50 S/.170,682.26 S/.723.91 S/.1,348.39 S/.2,072.30
51 S/.169,958.35 S/.729.63 S/.1,342.67 S/.2,072.30
52 S/.169,228.72 S/.735.39 S/.1,336.91 S/.2,072.30
53 S/.168,493.33 S/.741.20 S/.1,331.10 S/.2,072.30
54 S/.167,752.13 S/.747.06 S/.1,325.24 S/.2,072.30
55 S/.167,005.07 S/.752.96 S/.1,319.34 S/.2,072.30
56 S/.166,252.11 S/.758.91 S/.1,313.39 S/.2,072.30
57 S/.165,493.20 S/.764.90 S/.1,307.40 S/.2,072.30
58 S/.164,728.30 S/.770.95 S/.1,301.35 S/.2,072.30
 59 S/.163,957.35 S/.777.04 S/.1,295.26 S/.2,072.30
60 S/.163,180.31 S/.783.18 S/.1,289.12 S/.2,072.30
61 S/.162,397.14 S/.789.36 S/.1,282.94 S/.2,072.30
62 S/.161,607.78 S/.795.60 S/.1,276.70 S/.2,072.30
63 S/.160,812.18 S/.801.88 S/.1,270.42 S/.2,072.30
64 S/.160,010.29 S/.808.22 S/.1,264.08 S/.2,072.30
65 S/.159,202.08 S/.814.60 S/.1,257.70 S/.2,072.30
66 S/.158,387.47 S/.821.04 S/.1,251.26 S/.2,072.30
67 S/.157,566.43 S/.827.53 S/.1,244.77 S/.2,072.30
68 S/.156,738.91 S/.834.06 S/.1,238.24 S/.2,072.30
69 S/.155,904.84 S/.840.65 S/.1,231.65 S/.2,072.30
70 S/.155,064.19 S/.847.29 S/.1,225.01 S/.2,072.30
71 S/.154,216.90 S/.853.99 S/.1,218.31 S/.2,072.30
72 S/.153,362.91 S/.860.73 S/.1,211.57 S/.2,072.30
73 S/.152,502.18 S/.867.53 S/.1,204.77 S/.2,072.30
74 S/.151,634.65 S/.874.39 S/.1,197.91 S/.2,072.30
75 S/.150,760.26 S/.881.29 S/.1,191.01 S/.2,072.30
76 S/.149,878.97 S/.888.26 S/.1,184.04 S/.2,072.30
77 S/.148,990.71 S/.895.27 S/.1,177.03 S/.2,072.30
78 S/.148,095.44 S/.902.35 S/.1,169.95 S/.2,072.30
79 S/.147,193.09 S/.909.47 S/.1,162.83 S/.2,072.30
80 S/.146,283.62 S/.916.66 S/.1,155.64 S/.2,072.30
81 S/.145,366.96 S/.923.90 S/.1,148.40 S/.2,072.30
82 S/.144,443.06 S/.931.20 S/.1,141.10 S/.2,072.30
83 S/.143,511.86 S/.938.56 S/.1,133.74 S/.2,072.30
84 S/.142,573.30 S/.945.97 S/.1,126.33 S/.2,072.30
85 S/.141,627.33 S/.953.44 S/.1,118.86 S/.2,072.30
86 S/.140,673.89 S/.960.98 S/.1,111.32 S/.2,072.30
87 S/.139,712.91 S/.968.57 S/.1,103.73 S/.2,072.30
88 S/.138,744.34 S/.976.22 S/.1,096.08 S/.2,072.30
89 S/.137,768.12 S/.983.93 S/.1,088.37 S/.2,072.30
90 S/.136,784.19 S/.991.70 S/.1,080.60 S/.2,072.30
91 S/.135,792.49 S/.999.54 S/.1,072.76 S/.2,072.30
92 S/.134,792.95 S/.1,007.44 S/.1,064.86 S/.2,072.30
93 S/.133,785.51 S/.1,015.39 S/.1,056.91 S/.2,072.30
94 S/.132,770.12 S/.1,023.42 S/.1,048.88 S/.2,072.30
95 S/.131,746.70 S/.1,031.50 S/.1,040.80 S/.2,072.30
96 S/.130,715.20 S/.1,039.65 S/.1,032.65 S/.2,072.30
97 S/.129,675.55 S/.1,047.86 S/.1,024.44 S/.2,072.30
98 S/.128,627.69 S/.1,056.14 S/.1,016.16 S/.2,072.30
99 S/.127,571.54 S/.1,064.48 S/.1,007.82 S/.2,072.30
100 S/.126,507.06 S/.1,072.89 S/.999.41 S/.2,072.30
101 S/.125,434.16 S/.1,081.37 S/.990.93 S/.2,072.30
102 S/.124,352.79 S/.1,089.91 S/.982.39 S/.2,072.30
103 S/.123,262.88 S/.1,098.52 S/.973.78 S/.2,072.30
104 S/.122,164.36 S/.1,107.20 S/.965.10 S/.2,072.30
105 S/.121,057.16 S/.1,115.95 S/.956.35 S/.2,072.30
106 S/.119,941.21 S/.1,124.76 S/.947.54 S/.2,072.30
107 S/.118,816.44 S/.1,133.65 S/.938.65 S/.2,072.30
108 S/.117,682.79 S/.1,142.61 S/.929.69 S/.2,072.30
109 S/.116,540.19 S/.1,151.63 S/.920.67 S/.2,072.30
110 S/.115,388.56 S/.1,160.73 S/.911.57 S/.2,072.30
111 S/.114,227.83 S/.1,169.90 S/.902.40 S/.2,072.30
112 S/.113,057.93 S/.1,179.14 S/.893.16 S/.2,072.30
113 S/.111,878.78 S/.1,188.46 S/.883.84 S/.2,072.30
114 S/.110,690.33 S/.1,197.85 S/.874.45 S/.2,072.30
115 S/.109,492.48 S/.1,207.31 S/.864.99 S/.2,072.30
116 S/.108,285.17 S/.1,216.85 S/.855.45 S/.2,072.30
117 S/.107,068.32 S/.1,226.46 S/.845.84 S/.2,072.30
118 S/.105,841.86 S/.1,236.15 S/.836.15 S/.2,072.30
119 S/.104,605.71 S/.1,245.91 S/.826.39 S/.2,072.30
120 S/.103,359.80 S/.1,255.76 S/.816.54 S/.2,072.30
121 S/.102,104.04 S/.1,265.68 S/.806.62 S/.2,072.30
122 S/.100,838.36 S/.1,275.68 S/.796.62 S/.2,072.30
123 S/.99,562.68 S/.1,285.75 S/.786.55 S/.2,072.30
124 S/.98,276.93 S/.1,295.91 S/.776.39 S/.2,072.30
125 S/.96,981.02 S/.1,306.15 S/.766.15 S/.2,072.30
126 S/.95,674.87 S/.1,316.47 S/.755.83 S/.2,072.30
127 S/.94,358.40 S/.1,326.87 S/.745.43 S/.2,072.30
128 S/.93,031.53 S/.1,337.35 S/.734.95 S/.2,072.30
129 S/.91,694.18 S/.1,347.92 S/.724.38 S/.2,072.30
130 S/.90,346.26 S/.1,358.56 S/.713.74 S/.2,072.30
131 S/.88,987.70 S/.1,369.30 S/.703.00 S/.2,072.30
132 S/.87,618.40 S/.1,380.11 S/.692.19 S/.2,072.30
133 S/.86,238.29 S/.1,391.02 S/.681.28 S/.2,072.30
134 S/.84,847.27 S/.1,402.01 S/.670.29 S/.2,072.30
135 S/.83,445.26 S/.1,413.08 S/.659.22 S/.2,072.30
136 S/.82,032.18 S/.1,424.25 S/.648.05 S/.2,072.30
137 S/.80,607.94 S/.1,435.50 S/.636.80 S/.2,072.30
138 S/.79,172.44 S/.1,446.84 S/.625.46 S/.2,072.30
139 S/.77,725.60 S/.1,458.27 S/.614.03 S/.2,072.30
140 S/.76,267.33 S/.1,469.79 S/.602.51 S/.2,072.30
141 S/.74,797.54 S/.1,481.40 S/.590.90 S/.2,072.30
142 S/.73,316.15 S/.1,493.10 S/.579.20 S/.2,072.30
143 S/.71,823.04 S/.1,504.90 S/.567.40 S/.2,072.30
144 S/.70,318.14 S/.1,516.79 S/.555.51 S/.2,072.30
145 S/.68,801.36 S/.1,528.77 S/.543.53 S/.2,072.30
146 S/.67,272.59 S/.1,540.85 S/.531.45 S/.2,072.30
147 S/.65,731.74 S/.1,553.02 S/.519.28 S/.2,072.30
148 S/.64,178.72 S/.1,565.29 S/.507.01 S/.2,072.30
149 S/.62,613.43 S/.1,577.65 S/.494.65 S/.2,072.30
150 S/.61,035.78 S/.1,590.12 S/.482.18 S/.2,072.30
151 S/.59,445.66 S/.1,602.68 S/.469.62 S/.2,072.30
152 S/.57,842.98 S/.1,615.34 S/.456.96 S/.2,072.30
153 S/.56,227.64 S/.1,628.10 S/.444.20 S/.2,072.30
154 S/.54,599.54 S/.1,640.96 S/.431.34 S/.2,072.30
155 S/.52,958.58 S/.1,653.93 S/.418.37 S/.2,072.30
156 S/.51,304.65 S/.1,666.99 S/.405.31 S/.2,072.30
157 S/.49,637.66 S/.1,680.16 S/.392.14 S/.2,072.30
158 S/.47,957.50 S/.1,693.44 S/.378.86 S/.2,072.30
 159 S/.46,264.06 S/.1,706.81 S/.365.49 S/.2,072.30
160 S/.44,557.25 S/.1,720.30 S/.352.00 S/.2,072.30
161 S/.42,836.95 S/.1,733.89 S/.338.41 S/.2,072.30
162 S/.41,103.06 S/.1,747.59 S/.324.71 S/.2,072.30
163 S/.39,355.47 S/.1,761.39 S/.310.91 S/.2,072.30
164 S/.37,594.08 S/.1,775.31 S/.296.99 S/.2,072.30
165 S/.35,818.78 S/.1,789.33 S/.282.97 S/.2,072.30
166 S/.34,029.44 S/.1,803.47 S/.268.83 S/.2,072.30
167 S/.32,225.98 S/.1,817.71 S/.254.59 S/.2,072.30
168 S/.30,408.26 S/.1,832.07 S/.240.23 S/.2,072.30
169 S/.28,576.19 S/.1,846.55 S/.225.75 S/.2,072.30
170 S/.26,729.64 S/.1,861.14 S/.211.16 S/.2,072.30
171 S/.24,868.50 S/.1,875.84 S/.196.46 S/.2,072.30
172 S/.22,992.66 S/.1,890.66 S/.181.64 S/.2,072.30
173 S/.21,102.01 S/.1,905.59 S/.166.71 S/.2,072.30
174 S/.19,196.41 S/.1,920.65 S/.151.65 S/.2,072.30
175 S/.17,275.76 S/.1,935.82 S/.136.48 S/.2,072.30
176 S/.15,339.94 S/.1,951.11 S/.121.19 S/.2,072.30
178 S/.13,388.83 S/.1,966.53 S/.105.77 S/.2,072.30
179 S/.11,422.30 S/.1,982.06 S/.90.24 S/.2,072.30
180 S/.9,440.24 S/.1,997.72 S/.74.58 S/.2,072.30
    S/.192,557.49 S/.178,384.21 S/.370,941.70

SCOTIABANK
: TCEA 16.03%
TEA 15.00% (tasa mixta)
TEM

      1.17%  
Amortizació
N° Saldo Intereses Cuota
n
S/
1 S/ 196.80 S/ 2,340.00 S/ 2,536.80
200,000.00
S/
2 S/ 199.10 S/ 2,337.70 S/ 2,536.80
199,803.20
S/
3 S/ 201.43 S/ 2,335.37 S/ 2,536.80
199,604.10
S/
4 S/ 203.79 S/ 2,333.01 S/ 2,536.80
199,402.67
S/
5 S/ 206.17 S/ 2,330.63 S/ 2,536.80
199,198.88
S/
6 S/ 208.59 S/ 2,328.21 S/ 2,536.80
198,992.70
S/
7 S/ 211.03 S/ 2,325.77 S/ 2,536.80
198,784.12
S/
8 S/ 213.49 S/ 2,323.31 S/ 2,536.80
198,573.09
 S/
9 S/ 215.99 S/ 2,320.81 S/ 2,536.80
198,359.60
S/
10 S/ 218.52 S/ 2,318.28 S/ 2,536.80
198,143.60
S/
11 S/ 221.08 S/ 2,315.72 S/ 2,536.80
197,925.08
S/
12 S/ 223.66 S/ 2,313.14 S/ 2,536.80
197,704.01
S/
13 S/ 226.28 S/ 2,310.52 S/ 2,536.80
197,480.35
S/
14 S/ 228.93 S/ 2,307.87 S/ 2,536.80
197,254.07
S/
15 S/ 231.61 S/ 2,305.19 S/ 2,536.80
197,025.14
S/
16 S/ 234.32 S/ 2,302.48 S/ 2,536.80
196,793.53
S/
17 S/ 237.06 S/ 2,299.74 S/ 2,536.80
196,559.22
S/
18 S/ 239.83 S/ 2,296.97 S/ 2,536.80
196,322.16
S/
19 S/ 242.64 S/ 2,294.16 S/ 2,536.80
196,082.33
S/
20 S/ 245.48 S/ 2,291.32 S/ 2,536.80
195,839.69
S/
21 S/ 248.35 S/ 2,288.45 S/ 2,536.80
195,594.22
S/
22 S/ 251.25 S/ 2,285.55 S/ 2,536.80
195,345.87
S/
23 S/ 254.19 S/ 2,282.61 S/ 2,536.80
195,094.62
S/
24 S/ 257.17 S/ 2,279.63 S/ 2,536.80
194,840.42
S/
25 S/ 260.18 S/ 2,276.62 S/ 2,536.80
194,583.25
S/
26 S/ 263.22 S/ 2,273.58 S/ 2,536.80
194,323.08
S/
27 S/ 266.30 S/ 2,270.50 S/ 2,536.80
194,059.86
S/
28 S/ 269.42 S/ 2,267.38 S/ 2,536.80
193,793.56
S/
29 S/ 272.57 S/ 2,264.23 S/ 2,536.80
193,524.14
S/
30 S/ 275.76 S/ 2,261.04 S/ 2,536.80
193,251.58
S/
31 S/ 278.98 S/ 2,257.82 S/ 2,536.80
192,975.82
S/
32 S/ 282.25 S/ 2,254.55 S/ 2,536.80
192,696.84
S/
33 S/ 285.55 S/ 2,251.25 S/ 2,536.80
192,414.59
S/
34 S/ 288.89 S/ 2,247.91 S/ 2,536.80
192,129.04
 S/
35 S/ 292.27 S/ 2,244.53 S/ 2,536.80
191,840.15
S/
36 S/ 295.69 S/ 2,241.11 S/ 2,536.80
191,547.88
S/
37 S/ 299.15 S/ 2,237.65 S/ 2,536.80
191,252.19
S/
38 S/ 302.65 S/ 2,234.15 S/ 2,536.80
190,953.04
S/
39 S/ 306.19 S/ 2,230.61 S/ 2,536.80
190,650.39
S/
40 S/ 309.77 S/ 2,227.03 S/ 2,536.80
190,344.20
S/
41 S/ 313.40 S/ 2,223.40 S/ 2,536.80
190,034.43
S/
42 S/ 317.06 S/ 2,219.74 S/ 2,536.80
189,721.03
S/
43 S/ 320.77 S/ 2,216.03 S/ 2,536.80
189,403.97
S/
44 S/ 324.53 S/ 2,212.27 S/ 2,536.80
189,083.19
S/
45 S/ 328.32 S/ 2,208.48 S/ 2,536.80
188,758.67
S/
46 S/ 332.16 S/ 2,204.64 S/ 2,536.80
188,430.34
S/
47 S/ 336.05 S/ 2,200.75 S/ 2,536.80
188,098.18
S/
48 S/ 339.98 S/ 2,196.82 S/ 2,536.80
187,762.13
S/
49 S/ 343.96 S/ 2,192.84 S/ 2,536.80
187,422.14
S/
50 S/ 347.99 S/ 2,188.81 S/ 2,536.80
187,078.18
S/
51 S/ 352.06 S/ 2,184.74 S/ 2,536.80
186,730.20
S/
52 S/ 356.18 S/ 2,180.62 S/ 2,536.80
186,378.14
S/
53 S/ 360.34 S/ 2,176.46 S/ 2,536.80
186,021.97
S/
54 S/ 364.56 S/ 2,172.24 S/ 2,536.80
185,661.62
S/
55 S/ 368.82 S/ 2,167.98 S/ 2,536.80
185,297.06
S/
56 S/ 373.14 S/ 2,163.66 S/ 2,536.80
184,928.24
S/
57 S/ 377.51 S/ 2,159.29 S/ 2,536.80
184,555.10
S/
58 S/ 381.92 S/ 2,154.88 S/ 2,536.80
184,177.59
S/
59 S/ 386.39 S/ 2,150.41 S/ 2,536.80
183,795.67
S/
60 S/ 390.91 S/ 2,145.89 S/ 2,536.80
183,409.28
 S/
61 S/ 395.49 S/ 2,141.31 S/ 2,536.80
183,018.37
S/
62 S/ 400.11 S/ 2,136.69 S/ 2,536.80
182,622.88
S/
63 S/ 404.79 S/ 2,132.01 S/ 2,536.80
182,222.77
S/
64 S/ 409.53 S/ 2,127.27 S/ 2,536.80
181,817.98
S/
65 S/ 414.32 S/ 2,122.48 S/ 2,536.80
181,408.45
S/
66 S/ 419.17 S/ 2,117.63 S/ 2,536.80
180,994.13
S/
67 S/ 424.07 S/ 2,112.73 S/ 2,536.80
180,574.96
S/
68 S/ 429.03 S/ 2,107.77 S/ 2,536.80
180,150.89
S/
69 S/ 434.05 S/ 2,102.75 S/ 2,536.80
179,721.85
S/
70 S/ 439.13 S/ 2,097.67 S/ 2,536.80
179,287.80
S/
71 S/ 444.27 S/ 2,092.53 S/ 2,536.80
178,848.66
S/
72 S/ 449.47 S/ 2,087.33 S/ 2,536.80
178,404.39
S/
73 S/ 454.73 S/ 2,082.07 S/ 2,536.80
177,954.93
S/
74 S/ 460.05 S/ 2,076.75 S/ 2,536.80
177,500.20
S/
75 S/ 465.43 S/ 2,071.37 S/ 2,536.80
177,040.15
S/
76 S/ 470.88 S/ 2,065.92 S/ 2,536.80
176,574.72
S/
77 S/ 476.39 S/ 2,060.41 S/ 2,536.80
176,103.84
S/
78 S/ 481.96 S/ 2,054.84 S/ 2,536.80
175,627.46
S/
79 S/ 487.60 S/ 2,049.20 S/ 2,536.80
175,145.50
S/
80 S/ 493.30 S/ 2,043.50 S/ 2,536.80
174,657.90
S/
81 S/ 499.07 S/ 2,037.73 S/ 2,536.80
174,164.60
S/
82 S/ 504.91 S/ 2,031.89 S/ 2,536.80
173,665.53
S/
83 S/ 510.82 S/ 2,025.98 S/ 2,536.80
173,160.61
S/
84 S/ 516.80 S/ 2,020.00 S/ 2,536.80
172,649.79
S/
85 S/ 522.84 S/ 2,013.96 S/ 2,536.80
172,133.00
S/
86 S/ 528.96 S/ 2,007.84 S/ 2,536.80
171,610.15
 S/
87 S/ 535.15 S/ 2,001.65 S/ 2,536.80
171,081.19
S/
88 S/ 541.41 S/ 1,995.39 S/ 2,536.80
170,546.04
S/
89 S/ 547.75 S/ 1,989.05 S/ 2,536.80
170,004.63
S/
90 S/ 554.15 S/ 1,982.65 S/ 2,536.80
169,456.88
S/
91 S/ 560.64 S/ 1,976.16 S/ 2,536.80
168,902.73
S/
92 S/ 567.20 S/ 1,969.60 S/ 2,536.80
168,342.09
S/
93 S/ 573.83 S/ 1,962.97 S/ 2,536.80
167,774.89
S/
94 S/ 580.55 S/ 1,956.25 S/ 2,536.80
167,201.06
S/
95 S/ 587.34 S/ 1,949.46 S/ 2,536.80
166,620.51
S/
96 S/ 594.21 S/ 1,942.59 S/ 2,536.80
166,033.17
S/
97 S/ 601.16 S/ 1,935.64 S/ 2,536.80
165,438.96
S/
98 S/ 608.20 S/ 1,928.60 S/ 2,536.80
164,837.80
S/
99 S/ 615.31 S/ 1,921.49 S/ 2,536.80
164,229.60
S/
100 S/ 622.51 S/ 1,914.29 S/ 2,536.80
163,614.28
S/
101 S/ 629.80 S/ 1,907.00 S/ 2,536.80
162,991.77
S/
102 S/ 637.16 S/ 1,899.64 S/ 2,536.80
162,361.97
S/
103 S/ 644.62 S/ 1,892.18 S/ 2,536.80
161,724.81
S/
104 S/ 652.16 S/ 1,884.64 S/ 2,536.80
161,080.19
S/
105 S/ 659.79 S/ 1,877.01 S/ 2,536.80
160,428.03
S/
106 S/ 667.51 S/ 1,869.29 S/ 2,536.80
159,768.24
S/
107 S/ 675.32 S/ 1,861.48 S/ 2,536.80
159,100.72
S/
108 S/ 683.22 S/ 1,853.58 S/ 2,536.80
158,425.40
S/
109 S/ 691.22 S/ 1,845.58 S/ 2,536.80
157,742.18
S/
110 S/ 699.30 S/ 1,837.50 S/ 2,536.80
157,050.96
S/
111 S/ 707.49 S/ 1,829.31 S/ 2,536.80
156,351.66
S/
112 S/ 715.76 S/ 1,821.04 S/ 2,536.80
155,644.17
 S/
113 S/ 724.14 S/ 1,812.66 S/ 2,536.80
154,928.41
S/
114 S/ 732.61 S/ 1,804.19 S/ 2,536.80
154,204.27
S/
115 S/ 741.18 S/ 1,795.62 S/ 2,536.80
153,471.66
S/
116 S/ 749.85 S/ 1,786.95 S/ 2,536.80
152,730.48
S/
117 S/ 758.63 S/ 1,778.17 S/ 2,536.80
151,980.63
S/
118 S/ 767.50 S/ 1,769.30 S/ 2,536.80
151,222.00
S/
119 S/ 776.48 S/ 1,760.32 S/ 2,536.80
150,454.50
S/
120 S/ 785.57 S/ 1,751.23 S/ 2,536.80
149,678.02
S/
121 S/ 794.76 S/ 1,742.04 S/ 2,536.80
148,892.45
S/
122 S/ 804.06 S/ 1,732.74 S/ 2,536.80
148,097.69
S/
123 S/ 813.46 S/ 1,723.34 S/ 2,536.80
147,293.63
S/
124 S/ 822.98 S/ 1,713.82 S/ 2,536.80
146,480.17
S/
125 S/ 832.61 S/ 1,704.19 S/ 2,536.80
145,657.19
S/
126 S/ 842.35 S/ 1,694.45 S/ 2,536.80
144,824.58
S/
127 S/ 852.21 S/ 1,684.59 S/ 2,536.80
143,982.22
S/
128 S/ 862.18 S/ 1,674.62 S/ 2,536.80
143,130.02
S/
129 S/ 872.27 S/ 1,664.53 S/ 2,536.80
142,267.84
S/
130 S/ 882.47 S/ 1,654.33 S/ 2,536.80
141,395.57
S/
131 S/ 892.80 S/ 1,644.00 S/ 2,536.80
140,513.10
S/
132 S/ 903.24 S/ 1,633.56 S/ 2,536.80
139,620.30
S/
133 S/ 913.81 S/ 1,622.99 S/ 2,536.80
138,717.06
S/
134 S/ 924.50 S/ 1,612.30 S/ 2,536.80
137,803.25
S/
135 S/ 935.32 S/ 1,601.48 S/ 2,536.80
136,878.75
S/
136 S/ 946.26 S/ 1,590.54 S/ 2,536.80
135,943.43
S/
137 S/ 957.33 S/ 1,579.47 S/ 2,536.80
134,997.17
S/
138 S/ 968.53 S/ 1,568.27 S/ 2,536.80
134,039.83
 S/
139 S/ 979.87 S/ 1,556.93 S/ 2,536.80
133,071.30
S/
140 S/ 991.33 S/ 1,545.47 S/ 2,536.80
132,091.43
S/
141 S/ 1,002.93 S/ 1,533.87 S/ 2,536.80
131,100.10
S/
142 S/ 1,014.66 S/ 1,522.14 S/ 2,536.80
130,097.18
S/
143 S/ 1,026.53 S/ 1,510.27 S/ 2,536.80
129,082.51
S/
144 S/ 1,038.55 S/ 1,498.25 S/ 2,536.80
128,055.98
S/
145 S/ 1,050.70 S/ 1,486.10 S/ 2,536.80
127,017.43
S/
146 S/ 1,062.99 S/ 1,473.81 S/ 2,536.80
125,966.74
S/
147 S/ 1,075.43 S/ 1,461.37 S/ 2,536.80
124,903.75
S/
148 S/ 1,088.01 S/ 1,448.79 S/ 2,536.80
123,828.32
S/
149 S/ 1,100.74 S/ 1,436.06 S/ 2,536.80
122,740.31
S/
150 S/ 1,113.62 S/ 1,423.18 S/ 2,536.80
121,639.57
S/
151 S/ 1,126.65 S/ 1,410.15 S/ 2,536.80
120,525.96
S/
152 S/ 1,139.83 S/ 1,396.97 S/ 2,536.80
119,399.31
S/
153 S/ 1,153.16 S/ 1,383.64 S/ 2,536.80
118,259.48
S/
154 S/ 1,166.66 S/ 1,370.14 S/ 2,536.80
117,106.32
S/
155 S/ 1,180.31 S/ 1,356.49 S/ 2,536.80
115,939.66
S/
156 S/ 1,194.12 S/ 1,342.68 S/ 2,536.80
114,759.36
S/
157 S/ 1,208.09 S/ 1,328.71 S/ 2,536.80
113,565.24
S/
158 S/ 1,222.22 S/ 1,314.58 S/ 2,536.80
112,357.16
S/
159 S/ 1,236.52 S/ 1,300.28 S/ 2,536.80
111,134.93
S/
160 S/ 1,250.99 S/ 1,285.81 S/ 2,536.80
109,898.41
S/
161 S/ 1,265.63 S/ 1,271.17 S/ 2,536.80
108,647.42
S/
162 S/ 1,280.43 S/ 1,256.37 S/ 2,536.80
107,381.80
S/
163 S/ 1,295.41 S/ 1,241.39 S/ 2,536.80
106,101.37
S/
164 S/ 1,310.57 S/ 1,226.23 S/ 2,536.80
104,805.95
 S/
165 S/ 1,325.90 S/ 1,210.90 S/ 2,536.80
103,495.38
S/
166 S/ 1,341.42 S/ 1,195.38 S/ 2,536.80
102,169.48
S/
167 S/ 1,357.11 S/ 1,179.69 S/ 2,536.80
100,828.06
168 S/ 99,470.95 S/ 1,372.99 S/ 1,163.81 S/ 2,536.80
169 S/ 98,097.96 S/ 1,389.05 S/ 1,147.75 S/ 2,536.80
170 S/ 96,708.90 S/ 1,405.31 S/ 1,131.49 S/ 2,536.80
171 S/ 95,303.60 S/ 1,421.75 S/ 1,115.05 S/ 2,536.80
172 S/ 93,881.85 S/ 1,438.38 S/ 1,098.42 S/ 2,536.80
173 S/ 92,443.47 S/ 1,455.21 S/ 1,081.59 S/ 2,536.80
174 S/ 90,988.26 S/ 1,472.24 S/ 1,064.56 S/ 2,536.80
175 S/ 89,516.02 S/ 1,489.46 S/ 1,047.34 S/ 2,536.80
176 S/ 88,026.56 S/ 1,506.89 S/ 1,029.91 S/ 2,536.80
177 S/ 86,519.67 S/ 1,524.52 S/ 1,012.28 S/ 2,536.80
178 S/ 84,995.15 S/ 1,542.36 S/ 994.44 S/ 2,536.80
179 S/ 83,452.79 S/ 1,560.40 S/ 976.40 S/ 2,536.80
180 S/ 81,892.39 S/ 1,578.66 S/ 958.14 S/ 2,536.80
S/ S/
  S/336,937.73
119,686.27 456,624.00
ANEXOS

INMUEBLE QUE SE REQUIERE ADQUIRIR: DEPARTAMENTO

CONCLUSION:

 Nuestro grupo decidió adquirir un inmueble valorizado en un monto de s/

200.000 soles, el inmueble está ubicado en av. las Américas N°98-
Chiclayo- Perú, el departamento cuenta con 70 m 2, ,2 baños, 2
dormitorios y 1 a estrenar, teniendo en cuenta la información requerida
de los tres bancos decidimos tomar el crédito hipotecario del Banco
Interbank, por sus tasas y sus beneficios que se adecuan a nuestras
tarifas para adquirir el inmueble, comparados con nuestros cronogramas
nos dimos cuenta que la mejor opción es el banco interbank , ya que nos
presenta una tasa menor y los intereses apropiados para el inmueble
que se desea comprar, teniendo una renta adecuada para iniciar nuestra
vida de independientes.