DATOS INTEGRANTES - Grupo 3

Rojas Tristan, Paulo Cesar - U202016243

Cantidad Cuatrimotos 10 Martinez Julcarima, Mariantonia - U201916539
CIF unitario $35,400.00 La Torre Reategui, Valery Nikol - U20201B026
CIF Total $354,000.00 Del Carpio Huamani, Karol Antonella - U20201B886
Traslado unitario $600.00 Huerto Calixto, Diana Elvia - U20201B916
Traslado Total $6,000.00 Yanac Torres, Manuel Alexander - U202012886
Monto de la operación $360,000.00 SIN IGV

PERIODO DE GRACIA TOTAL

Plazo 48 meses
Plazo de Gracia total 3 meses
Plazo para calculo de la cuota 45 meses

Cuota inicial $54,000.00 15% del total a adquirir

Saldo a financiar $306,000.00
Opción de compra 1% del valor total a adquirir no se agrega porque en el caso no lo especifica
TEM 1.1715% 15% TEA

CRONOGRAMA DE PAGOS

a) PERIODO DE GRACIA TOTAL 3 MESES 45 18%

Mes Saldo Interés Amortización Serv. deuda IGV Total
0 $306,000.00
1 $309,584.76 $3,584.76 $0.00 $0.00 $0.00 $0.00
2 $313,211.52 $3,626.76 $0.00 $0.00 $0.00 $0.00
3 $316,880.77 $3,669.25 $0.00 $0.00 $0.00 $0.00
4 $311,492.53 $3,712.23 $5,388.24 $9,100.47 $1,638.09 $10,738.56
5 $306,041.16 $3,649.11 $5,451.37 $9,100.47 $1,638.09 $10,738.56
6 $300,525.94 $3,585.25 $5,515.23 $9,100.47 $1,638.09 $10,738.56
7 $294,946.10 $3,520.64 $5,579.84 $9,100.47 $1,638.09 $10,738.56
8 $289,300.89 $3,455.27 $5,645.21 $9,100.47 $1,638.09 $10,738.56
9 $283,589.55 $3,389.14 $5,711.34 $9,100.47 $1,638.09 $10,738.56
10 $277,811.31 $3,322.23 $5,778.25 $9,100.47 $1,638.09 $10,738.56
 11 $271,965.37 $3,254.54 $5,845.94 $9,100.47 $1,638.09 $10,738.56
12 $266,050.95 $3,186.05 $5,914.42 $9,100.47 $1,638.09 $10,738.56
13 $260,067.24 $3,116.76 $5,983.71 $9,100.47 $1,638.09 $10,738.56
14 $254,013.43 $3,046.67 $6,053.81 $9,100.47 $1,638.09 $10,738.56
15 $247,888.70 $2,975.75 $6,124.73 $9,100.47 $1,638.09 $10,738.56
16 $241,692.22 $2,904.00 $6,196.48 $9,100.47 $1,638.09 $10,738.56
17 $235,423.15 $2,831.40 $6,269.07 $9,100.47 $1,638.09 $10,738.56
18 $229,080.64 $2,757.96 $6,342.51 $9,100.47 $1,638.09 $10,738.56
19 $222,663.83 $2,683.66 $6,416.81 $9,100.47 $1,638.09 $10,738.56
20 $216,171.84 $2,608.49 $6,491.99 $9,100.47 $1,638.09 $10,738.56
21 $209,603.80 $2,532.44 $6,568.04 $9,100.47 $1,638.09 $10,738.56
22 $202,958.82 $2,455.49 $6,644.98 $9,100.47 $1,638.09 $10,738.56
23 $196,235.99 $2,377.65 $6,722.83 $9,100.47 $1,638.09 $10,738.56
24 $189,434.40 $2,298.89 $6,801.59 $9,100.47 $1,638.09 $10,738.56
25 $182,553.14 $2,219.21 $6,881.27 $9,100.47 $1,638.09 $10,738.56
26 $175,591.26 $2,138.59 $6,961.88 $9,100.47 $1,638.09 $10,738.56
27 $168,547.82 $2,057.04 $7,043.44 $9,100.47 $1,638.09 $10,738.56
28 $161,421.87 $1,974.52 $7,125.95 $9,100.47 $1,638.09 $10,738.56
29 $154,212.44 $1,891.04 $7,209.43 $9,100.47 $1,638.09 $10,738.56
30 $146,918.55 $1,806.59 $7,293.89 $9,100.47 $1,638.09 $10,738.56
31 $139,539.22 $1,721.14 $7,379.34 $9,100.47 $1,638.09 $10,738.56
32 $132,073.43 $1,634.69 $7,465.78 $9,100.47 $1,638.09 $10,738.56
33 $124,520.19 $1,547.23 $7,553.25 $9,100.47 $1,638.09 $10,738.56
34 $116,878.46 $1,458.74 $7,641.73 $9,100.47 $1,638.09 $10,738.56
35 $109,147.20 $1,369.22 $7,731.25 $9,100.47 $1,638.09 $10,738.56
36 $101,325.38 $1,278.65 $7,821.82 $9,100.47 $1,638.09 $10,738.56
37 $93,411.92 $1,187.02 $7,913.46 $9,100.47 $1,638.09 $10,738.56
38 $85,405.76 $1,094.31 $8,006.16 $9,100.47 $1,638.09 $10,738.56
39 $77,305.81 $1,000.52 $8,099.95 $9,100.47 $1,638.09 $10,738.56
40 $69,110.97 $905.63 $8,194.84 $9,100.47 $1,638.09 $10,738.56
41 $60,820.12 $809.63 $8,290.85 $9,100.47 $1,638.09 $10,738.56
42 $52,432.15 $712.50 $8,387.97 $9,100.47 $1,638.09 $10,738.56
43 $43,945.91 $614.24 $8,486.24 $9,100.47 $1,638.09 $10,738.56
44 $35,360.26 $514.82 $8,585.65 $9,100.47 $1,638.09 $10,738.56
45 $26,674.03 $414.24 $8,686.23 $9,100.47 $1,638.09 $10,738.56
46 $17,886.04 $312.48 $8,787.99 $9,100.47 $1,638.09 $10,738.56
47 $8,995.10 $209.53 $8,890.94 $9,100.47 $1,638.09 $10,738.56
48 $0.00 $105.38 $8,995.10 $9,100.47 $1,638.09 $10,738.56
TOTAL 0 $103,521.35 $316,880.77 $409,521.35 $73,713.84 $483,235.19
 PERIODO DE GRACIA PARCIAL
Plazo 48 meses
Plazo de Gracia 3 meses
Plazo para calculo de
la cuota 45 meses

Cuota inicial $54,000.00 15% del total a adquirir

Saldo a financiar $306,000.00

TEM 1.1715% 15% TEA

b) PERIODO DE GRACIA PARCIAL 3 MESES 45 meses 18%

Mes Saldo Interés Amortización Serv. deuda IGV Total
0 $306,000.00
1 $306,000.00 $3,584.76 $0.00 $3,584.76 $645.26 $4,230.02
2 $306,000.00 $3,584.76 $0.00 $3,584.76 $645.26 $4,230.02
3 $306,000.00 $3,584.76 $0.00 $3,584.76 $645.26 $4,230.02
4 $300,796.77 $3,584.76 $5,203.23 $8,787.99 $1,581.84 $10,369.83
5 $295,532.59 $3,523.81 $5,264.18 $8,787.99 $1,581.84 $10,369.83
6 $290,206.74 $3,462.14 $5,325.85 $8,787.99 $1,581.84 $10,369.83
7 $284,818.50 $3,399.75 $5,388.24 $8,787.99 $1,581.84 $10,369.83
8 $279,367.13 $3,336.63 $5,451.37 $8,787.99 $1,581.84 $10,369.83
9 $273,851.91 $3,272.76 $5,515.23 $8,787.99 $1,581.84 $10,369.83
10 $268,272.07 $3,208.15 $5,579.84 $8,787.99 $1,581.84 $10,369.83
11 $262,626.86 $3,142.79 $5,645.21 $8,787.99 $1,581.84 $10,369.83
12 $256,915.53 $3,076.65 $5,711.34 $8,787.99 $1,581.84 $10,369.83
13 $251,137.28 $3,009.74 $5,778.25 $8,787.99 $1,581.84 $10,369.83
14 $245,291.34 $2,942.05 $5,845.94 $8,787.99 $1,581.84 $10,369.83
15 $239,376.92 $2,873.57 $5,914.42 $8,787.99 $1,581.84 $10,369.83
16 $233,393.21 $2,804.28 $5,983.71 $8,787.99 $1,581.84 $10,369.83
17 $227,339.40 $2,734.18 $6,053.81 $8,787.99 $1,581.84 $10,369.83
18 $221,214.67 $2,663.26 $6,124.73 $8,787.99 $1,581.84 $10,369.83
19 $215,018.19 $2,591.51 $6,196.48 $8,787.99 $1,581.84 $10,369.83
20 $208,749.12 $2,518.92 $6,269.07 $8,787.99 $1,581.84 $10,369.83
21 $202,406.61 $2,445.48 $6,342.51 $8,787.99 $1,581.84 $10,369.83
22 $195,989.80 $2,371.18 $6,416.81 $8,787.99 $1,581.84 $10,369.83
 23 $189,497.81 $2,296.00 $6,491.99 $8,787.99 $1,581.84 $10,369.83
24 $182,929.77 $2,219.95 $6,568.04 $8,787.99 $1,581.84 $10,369.83
25 $176,284.79 $2,143.01 $6,644.98 $8,787.99 $1,581.84 $10,369.83
26 $169,561.96 $2,065.16 $6,722.83 $8,787.99 $1,581.84 $10,369.83
27 $162,760.38 $1,986.40 $6,801.59 $8,787.99 $1,581.84 $10,369.83
28 $155,879.11 $1,906.72 $6,881.27 $8,787.99 $1,581.84 $10,369.83
29 $148,917.23 $1,826.11 $6,961.88 $8,787.99 $1,581.84 $10,369.83
30 $141,873.79 $1,744.55 $7,043.44 $8,787.99 $1,581.84 $10,369.83
31 $134,747.84 $1,662.04 $7,125.95 $8,787.99 $1,581.84 $10,369.83
32 $127,538.41 $1,578.56 $7,209.43 $8,787.99 $1,581.84 $10,369.83
33 $120,244.52 $1,494.10 $7,293.89 $8,787.99 $1,581.84 $10,369.83
34 $112,865.19 $1,408.65 $7,379.34 $8,787.99 $1,581.84 $10,369.83
35 $105,399.40 $1,322.21 $7,465.78 $8,787.99 $1,581.84 $10,369.83
36 $97,846.16 $1,234.75 $7,553.25 $8,787.99 $1,581.84 $10,369.83
37 $90,204.43 $1,146.26 $7,641.73 $8,787.99 $1,581.84 $10,369.83
38 $82,473.17 $1,056.74 $7,731.25 $8,787.99 $1,581.84 $10,369.83
39 $74,651.35 $966.17 $7,821.82 $8,787.99 $1,581.84 $10,369.83
40 $66,737.89 $874.53 $7,913.46 $8,787.99 $1,581.84 $10,369.83
41 $58,731.73 $781.83 $8,006.16 $8,787.99 $1,581.84 $10,369.83
42 $50,631.78 $688.04 $8,099.95 $8,787.99 $1,581.84 $10,369.83
43 $42,436.94 $593.15 $8,194.84 $8,787.99 $1,581.84 $10,369.83
44 $34,146.09 $497.15 $8,290.85 $8,787.99 $1,581.84 $10,369.83
45 $25,758.12 $400.02 $8,387.97 $8,787.99 $1,581.84 $10,369.83
46 $17,271.88 $301.75 $8,486.24 $8,787.99 $1,581.84 $10,369.83
47 $8,686.23 $202.34 $8,585.65 $8,787.99 $1,581.84 $10,369.83
48 $0.00 $101.76 $8,686.23 $8,787.99 $1,581.84 $10,369.83
TOTAL $100,213.86 $306,000.00 $406,213.86 $73,118.49 $479,332.35

PERIODO SIN GRACIA

Plazo para calculo de la cuota 48 meses

Cuota inicial $54,000.00 15% del total de adquirir

Saldo a financiar $306,000.00

TEM 0.9864% 12.5%

meses
SIN PERIODO DE GRACIA 48 18%
 Mes Saldo Interés Amortización Serv. deuda IGV Cuota Inicial IGV
c) 0 $306,000.00
1 $300,984.68 $3,018.26 $5,015.32 $8,033.58 $1,446.04 $9,479.62
2 $295,919.88 $2,968.79 $5,064.79 $8,033.58 $1,446.04 $9,479.62
3 $290,805.13 $2,918.83 $5,114.75 $8,033.58 $1,446.04 $9,479.62
4 $285,639.93 $2,868.38 $5,165.20 $8,033.58 $1,446.04 $9,479.62
5 $280,423.78 $2,817.43 $5,216.15 $8,033.58 $1,446.04 $9,479.62
6 $275,156.19 $2,765.98 $5,267.60 $8,033.58 $1,446.04 $9,479.62
7 $269,836.63 $2,714.03 $5,319.56 $8,033.58 $1,446.04 $9,479.62
8 $264,464.61 $2,661.56 $5,372.02 $8,033.58 $1,446.04 $9,479.62
9 $259,039.59 $2,608.57 $5,425.01 $8,033.58 $1,446.04 $9,479.62
10 $253,561.07 $2,555.06 $5,478.52 $8,033.58 $1,446.04 $9,479.62
11 $248,028.51 $2,501.02 $5,532.56 $8,033.58 $1,446.04 $9,479.62
12 $242,441.38 $2,446.45 $5,587.13 $8,033.58 $1,446.04 $9,479.62
13 $236,799.14 $2,391.34 $5,642.24 $8,033.58 $1,446.04 $9,479.62
14 $231,101.25 $2,335.69 $5,697.89 $8,033.58 $1,446.04 $9,479.62
15 $225,347.15 $2,279.49 $5,754.09 $8,033.58 $1,446.04 $9,479.62
16 $219,536.30 $2,222.73 $5,810.85 $8,033.58 $1,446.04 $9,479.62
17 $213,668.14 $2,165.41 $5,868.17 $8,033.58 $1,446.04 $9,479.62
18 $207,742.09 $2,107.53 $5,926.05 $8,033.58 $1,446.04 $9,479.62
19 $201,757.59 $2,049.08 $5,984.50 $8,033.58 $1,446.04 $9,479.62
20 $195,714.06 $1,990.05 $6,043.53 $8,033.58 $1,446.04 $9,479.62
21 $189,610.92 $1,930.44 $6,103.14 $8,033.58 $1,446.04 $9,479.62
22 $183,447.58 $1,870.24 $6,163.34 $8,033.58 $1,446.04 $9,479.62
23 $177,223.45 $1,809.45 $6,224.13 $8,033.58 $1,446.04 $9,479.62
24 $170,937.93 $1,748.06 $6,285.52 $8,033.58 $1,446.04 $9,479.62
25 $164,590.41 $1,686.06 $6,347.52 $8,033.58 $1,446.04 $9,479.62
26 $158,180.28 $1,623.45 $6,410.13 $8,033.58 $1,446.04 $9,479.62
27 $151,706.93 $1,560.22 $6,473.36 $8,033.58 $1,446.04 $9,479.62
28 $145,169.72 $1,496.37 $6,537.21 $8,033.58 $1,446.04 $9,479.62
29 $138,568.03 $1,431.89 $6,601.69 $8,033.58 $1,446.04 $9,479.62
30 $131,901.23 $1,366.78 $6,666.80 $8,033.58 $1,446.04 $9,479.62
31 $125,168.67 $1,301.02 $6,732.56 $8,033.58 $1,446.04 $9,479.62
32 $118,369.70 $1,234.61 $6,798.97 $8,033.58 $1,446.04 $9,479.62
33 $111,503.67 $1,167.55 $6,866.03 $8,033.58 $1,446.04 $9,479.62
34 $104,569.91 $1,099.83 $6,933.75 $8,033.58 $1,446.04 $9,479.62
35 $97,567.76 $1,031.43 $7,002.15 $8,033.58 $1,446.04 $9,479.62
36 $90,496.55 $962.37 $7,071.21 $8,033.58 $1,446.04 $9,479.62
37 $83,355.59 $892.62 $7,140.96 $8,033.58 $1,446.04 $9,479.62
 38 $76,144.20 $822.18 $7,211.40 $8,033.58 $1,446.04 $9,479.62
39 $68,861.67 $751.05 $7,282.53 $8,033.58 $1,446.04 $9,479.62
40 $61,507.31 $679.22 $7,354.36 $8,033.58 $1,446.04 $9,479.62
41 $54,080.41 $606.68 $7,426.90 $8,033.58 $1,446.04 $9,479.62
42 $46,580.26 $533.43 $7,500.15 $8,033.58 $1,446.04 $9,479.62
43 $39,006.13 $459.45 $7,574.13 $8,033.58 $1,446.04 $9,479.62
44 $31,357.29 $384.74 $7,648.84 $8,033.58 $1,446.04 $9,479.62
45 $23,633.00 $309.30 $7,724.29 $8,033.58 $1,446.04 $9,479.62
46 $15,832.53 $233.11 $7,800.47 $8,033.58 $1,446.04 $9,479.62
47 $7,955.11 $156.17 $7,877.41 $8,033.58 $1,446.04 $9,479.62
48 $0.00 $78.47 $7,955.11 $8,033.58 $1,446.04 $9,479.62
TOTAL $79,611.85 $306,000.00 $385,611.85 $69,410.13 $455,021.99

d) En el supuesto caso de escoger un opción optariamos por la opción de leasing financiero sin periodo periodo de
gracia, ya que es el que posee el menor monto total de intereses en comparación con los otros 02 supuestos.