1.1 FINANCIAMIENTO

Nuestro proyecto requiere de un financiamiento para implementar las

necesidades del mismo, debido a que el capital del inversionista no es

suficiente para cubrir el total del costo del proyecto es por ello que se va a

recurrir a un préstamo de una entidad bancaria INTERBANK, la cual nos

cobrara una tasa de interés anual del 16%, siendo esta un monto

económico, en la cual tendremos un periodo de pago de 35 años, el que

estará constituido por el pago de 140 cuotas trimestral, en la que la cuota

trimestral será de s/. 65,178.68 y en dólares $ 23,278.10.

CUOTA MENSUAL

CUOTA TRIMESTRAL

TOTAL DE PRÉSTAMO

SOLES s/. 21,726.23 s/. 65,178.68 s/. 1’714,650.98

DÓLARES

$ 7,759.37 $ 23278.1 $ 612,375.35

FUENTE: Elaboración Propia.

1.2 PROGRAMA DE FINANCIAMIENTO

PROGRAMA DE FINANCIAMIENTOPrimer mes Cubierto por el capital del inversionista -------

Segundo mesS/. 900,000.00

$ 321,428.57

Tercer mes ------- ------- Cuarto mes ------- -------

Quinto mes S/. 373,643.40

$ 133,444.07

Sexto mesS/. 441,007.58

$ 157,502.71

TOTALS/. 1,714,650.98

$ 612,375.35

Fuente: Elaboración Propia

1.3 CALCULO DEL PAGO DEL PRÉSTAMO

PRÉSTAMO 1714650.98TEA 16%

PERIODO DE PAGO 35 añosFuente: Elaboración Propia

1.3.1 TASA EFECTIVA TRIMESTRAL ( TET )

1.3.2 CALCULO DE LA CUOTA CONSTANTE ( R )

1.3.3 CALCULO DEL SERVICIO DE LA DEUDA

DATOS

PRÉSTAMO S/. 1,714,650.98

TEA 16%PERIODO DE PAGO 140TET 0.037801986

CUOTA FIJA ® S/. 65,178.68

Fuente: Elaboración Propia

PERIODO TRIMESTRE

SALDO DEL

PRÉSTAMO

SERVICIO DE LA DEUDA

INTERÉS AMORTIZACIÓ

N CUOTA

0 S/.

1,714,650.98 S/. -

S/. - S/. -

1 S/. 1,714,289.51

S/. 64,817.21 S/. 361.47

S/. 65,178.68

2 S/. 1,713,914.37

S/. 64,803.55 S/. 375.14

S/. 65,178.68

3 S/. 1,713,525.05

S/. 64,789.37 S/. 389.32

S/. 65,178.68

4 S/. 1,713,121.02

S/. 64,774.65 S/. 404.03

S/. 65,178.68

5 S/. 1,712,701.71

S/. 64,759.38 S/. 419.31

S/. 65,178.68

6 S/. 1,712,266.55

S/. 64,743.53 S/. 435.16

S/. 65,178.68

7 S/. 1,711,814.94

S/. 64,727.08 S/. 451.61

S/. 65,178.68

8 S/. 1,711,346.26

S/. 64,710.00 S/. 468.68

S/. 65,178.68

9 S/. 1,710,859.86

S/. 64,692.29 S/. 486.40

S/. 65,178.68

10 S/. 1,710,355.08

S/. 64,673.90 S/. 504.78

S/. 65,178.68

11 S/. 1,709,831.21

S/. 64,654.82 S/. 523.87

S/. 65,178.68

12 S/. 1,709,287.55

S/. 64,635.02 S/. 543.67

S/. 65,178.68

13 S/. 1,708,723.32

S/. 64,614.46 S/. 564.22

S/. 65,178.68

14 S/. 1,708,137.77

S/. 64,593.14 S/. 585.55

S/. 65,178.68

15 S/. 1,707,530.09

S/. 64,571.00 S/. 607.68

S/. 65,178.68

16 S/. 1,706,899.43

S/. 64,548.03 S/. 630.66

S/. 65,178.68

17 S/. 1,706,244.94

S/. 64,524.19 S/. 654.50

S/. 65,178.68

18 S/. 1,705,565.70

S/. 64,499.45 S/. 679.24

S/. 65,178.68

19 S/. 1,704,860.79

S/. 64,473.77 S/. 704.91

S/. 65,178.68

20 S/. 1,704,129.22

S/. 64,447.12 S/. 731.56

S/. 65,178.68

21 S/. 1,703,370.01

S/. 64,419.47 S/. 759.22

S/. 65,178.68

22 S/. 1,702,582.09

S/. 64,390.77 S/. 787.92

S/. 65,178.68

23 S/. 1,701,764.39

S/. 64,360.98 S/. 817.70

S/. 65,178.68

24 S/. 1,700,915.78

S/. 64,330.07 S/. 848.61

S/. 65,178.68

25 S/. 1,700,035.09

S/. 64,297.99 S/. 880.69

S/. 65,178.68

26 S/. 1,699,121.11

S/. 64,264.70 S/. 913.98

S/. 65,178.68

27 S/. 1,698,172.58

S/. 64,230.15 S/. 948.53

S/. 65,178.68

28 S/. 1,697,188.19

S/. 64,194.30 S/. 984.39

S/. 65,178.68

29 S/. 1,696,166.59

S/. 64,157.08 S/. 1,021.60

S/. 65,178.68

30 S/. 1,695,106.37

S/. 64,118.47 S/. 1,060.22

S/. 65,178.68

31 S/. 1,694,006.07

S/. 64,078.39 S/. 1,100.30

S/. 65,178.68

32 S/. 1,692,864.18

S/. 64,036.79 S/. 1,141.89

S/. 65,178.68

33 S/. 1,691,679.12

S/. 63,993.63 S/. 1,185.06

S/. 65,178.68

34 S/. 1,690,449.27

S/. 63,948.83 S/. 1,229.85

S/. 65,178.68

35 S/. 1,689,172.92

S/. 63,902.34 S/. 1,276.35

S/. 65,178.68

36 S/. 1,687,848.33

S/. 63,854.09 S/. 1,324.59

S/. 65,178.68

37 S/. 1,686,473.66

S/. 63,804.02 S/. 1,374.67

S/. 65,178.68

38 S/. 1,685,047.03

S/. 63,752.05 S/. 1,426.63

S/. 65,178.68

39 S/. 1,683,566.47

S/. 63,698.12 S/. 1,480.56

S/. 65,178.68

40 S/. 1,682,029.94

S/. 63,642.16 S/. 1,536.53

S/. 65,178.68

41 S/. 1,680,435.33

S/. 63,584.07 S/. 1,594.61

S/. 65,178.68

42 S/. 1,678,780.44

S/. 63,523.79 S/. 1,654.89

S/. 65,178.68

43 S/. S/. S/. 1,717.45 S/.

1,677,062.99 63,461.23 65,178.68

44 S/. 1,675,280.62

S/. 63,396.31 S/. 1,782.37

S/. 65,178.68

45 S/. 1,673,430.87

S/. 63,328.93 S/. 1,849.75

S/. 65,178.68

46 S/. 1,671,511.19

S/. 63,259.01 S/. 1,919.67

S/. 65,178.68

47 S/. 1,669,518.95

S/. 63,186.44 S/. 1,992.24

S/. 65,178.68

48 S/. 1,667,451.40

S/. 63,111.13 S/. 2,067.55

S/. 65,178.68

49 S/. 1,665,305.69

S/. 63,032.97 S/. 2,145.71

S/. 65,178.68

50 S/. 1,663,078.86

S/. 62,951.86 S/. 2,226.82

S/. 65,178.68

51 S/. 1,660,767.86

S/. 62,867.68 S/. 2,311.00

S/. 65,178.68

52 S/. 1,658,369.50

S/. 62,780.32 S/. 2,398.36

S/. 65,178.68

53 S/. 1,655,880.48

S/. 62,689.66 S/. 2,489.02

S/. 65,178.68

54 S/. 1,653,297.36

S/. 62,595.57 S/. 2,583.11

S/. 65,178.68

55 S/. 1,650,616.60

S/. 62,497.92 S/. 2,680.76

S/. 65,178.68

56 S/. 1,647,834.50

S/. 62,396.59 S/. 2,782.10

S/. 65,178.68

57 S/. 1,644,947.23

S/. 62,291.42 S/. 2,887.27

S/. 65,178.68

58 S/. 1,641,950.82

S/. 62,182.27 S/. 2,996.41

S/. 65,178.68

59 S/. 1,638,841.14

S/. 62,069.00 S/. 3,109.68

S/. 65,178.68

60 S/. 1,635,613.90

S/. 61,951.45 S/. 3,227.24

S/. 65,178.68

61 S/. 1,632,264.67

S/. 61,829.45 S/. 3,349.23

S/. 65,178.68

62 S/. 1,628,788.83

S/. 61,702.85 S/. 3,475.84

S/. 65,178.68

63 S/. 1,625,181.60

S/. 61,571.45 S/. 3,607.23

S/. 65,178.68

64 S/. 1,621,438.01

S/. 61,435.09 S/. 3,743.59

S/. 65,178.68

65 S/. 1,617,552.90

S/. 61,293.58 S/. 3,885.11

S/. 65,178.68

66 S/. 1,613,520.93

S/. 61,146.71 S/. 4,031.97

S/. 65,178.68

67 S/. 1,609,336.54

S/. 60,994.30 S/. 4,184.39

S/. 65,178.68

68 S/. 1,604,993.97

S/. 60,836.12 S/. 4,342.57

S/. 65,178.68

69 S/. 1,600,487.25

S/. 60,671.96 S/. 4,506.73

S/. 65,178.68

70 S/. 1,595,810.16

S/. 60,501.60 S/. 4,677.09

S/. 65,178.68

71 S/. 1,590,956.27

S/. 60,324.79 S/. 4,853.89

S/. 65,178.68

72 S/. 1,585,918.89

S/. 60,141.31 S/. 5,037.38

S/. 65,178.68

73 S/. 1,580,691.09

S/. 59,950.88 S/. 5,227.80

S/. 65,178.68

74 S/. 1,575,265.66

S/. 59,753.26 S/. 5,425.42

S/. 65,178.68

75 S/. 1,569,635.15

S/. 59,548.17 S/. 5,630.51

S/. 65,178.68

76 S/. 1,563,791.79

S/. 59,335.33 S/. 5,843.36

S/. 65,178.68

77 S/. 1,557,727.54

S/. 59,114.44 S/. 6,064.25

S/. 65,178.68

78 S/. 1,551,434.05

S/. 58,885.19 S/. 6,293.49

S/. 65,178.68

79 S/. 1,544,902.66

S/. 58,647.29 S/. 6,531.40

S/. 65,178.68

80 S/. 1,538,124.36

S/. 58,400.39 S/. 6,778.30

S/. 65,178.68

81 S/. 1,531,089.83

S/. 58,144.16 S/. 7,034.53

S/. 65,178.68

82 S/. 1,523,789.38

S/. 57,878.24 S/. 7,300.45

S/. 65,178.68

83 S/. 1,516,212.96

S/. 57,602.26 S/. 7,576.42

S/. 65,178.68

84 S/. 1,508,350.14

S/. 57,315.86 S/. 7,862.82

S/. 65,178.68

85 S/. 1,500,190.08

S/. 57,018.63 S/. 8,160.05

S/. 65,178.68

86 S/. 1,491,721.56

S/. 56,710.16 S/. 8,468.52

S/. 65,178.68

87 S/. 1,482,932.92

S/. 56,390.04 S/. 8,788.65

S/. 65,178.68

88 S/. 1,473,812.04

S/. 56,057.81 S/. 9,120.88

S/. 65,178.68

89 S/. 1,464,346.38

S/. 55,713.02 S/. 9,465.66

S/. 65,178.68

90 S/. 1,454,522.89

S/. 55,355.20 S/. 9,823.48

S/. 65,178.68

91 S/. 1,444,328.06

S/. 54,983.85 S/. 10,194.83

S/. 65,178.68

92 S/. S/. S/. 10,580.22 S/.

1,433,747.85 54,598.47 65,178.68

93 S/. 1,422,767.68

S/. 54,198.52 S/. 10,980.17

S/. 65,178.68

94 S/. 1,411,372.44

S/. 53,783.44 S/. 11,395.24

S/. 65,178.68

95 S/. 1,399,546.43

S/. 53,352.68 S/. 11,826.00

S/. 65,178.68

96 S/. 1,387,273.38

S/. 52,905.63 S/. 12,273.05

S/. 65,178.68

97 S/. 1,374,536.39

S/. 52,441.69 S/. 12,737.00

S/. 65,178.68

98 S/. 1,361,317.91

S/. 51,960.21 S/. 13,218.48

S/. 65,178.68

99 S/. 1,347,599.74

S/. 51,460.52 S/. 13,718.16

S/. 65,178.68

100 S/. 1,333,363.01

S/. 50,941.95 S/. 14,236.74

S/. 65,178.68

101 S/. 1,318,588.09

S/. 50,403.77 S/. 14,774.92

S/. 65,178.68

102 S/. 1,303,254.65

S/. 49,845.25 S/. 15,333.44

S/. 65,178.68

103 S/. 1,287,341.58

S/. 49,265.61 S/. 15,913.07

S/. 65,178.68

104 S/. 1,270,826.97

S/. 48,664.07 S/. 16,514.62

S/. 65,178.68

105 S/. 1,253,688.07

S/. 48,039.78 S/. 17,138.90

S/. 65,178.68

106 S/. 1,235,901.28

S/. 47,391.90 S/. 17,786.79

S/. 65,178.68

107 S/. 1,217,442.12

S/. 46,719.52 S/. 18,459.16

S/. 65,178.68

108 S/. 1,198,285.16

S/. 46,021.73 S/. 19,156.95

S/. 65,178.68

109 S/. 1,178,404.04

S/. 45,297.56 S/. 19,881.13

S/. 65,178.68

110 S/. 1,157,771.37

S/. 44,546.01 S/. 20,632.67

S/. 65,178.68

111 S/. 1,136,358.74

S/. 43,766.06 S/. 21,412.63

S/. 65,178.68

112 S/. 1,114,136.67

S/. 42,956.62 S/. 22,222.07

S/. 65,178.68

113 S/. 1,091,074.56

S/. 42,116.58 S/. 23,062.11

S/. 65,178.68

114 S/. 1,067,140.66

S/. 41,244.79 S/. 23,933.90

S/. 65,178.68

115 S/. 1,042,302.02

S/. 40,340.04 S/. 24,838.65

S/. 65,178.68

116 S/. 1,016,524.42

S/. 39,401.09 S/. 25,777.60

S/. 65,178.68

117 S/. 989,772.37

S/. 38,426.64 S/. 26,752.04

S/. 65,178.68

118 S/. 962,009.05

S/. 37,415.36 S/. 27,763.32

S/. 65,178.68

119 S/. 933,196.22

S/. 36,365.85 S/. 28,812.83

S/. 65,178.68

120 S/. 903,294.20

S/. 35,276.67 S/. 29,902.01

S/. 65,178.68

121 S/. 872,261.83

S/. 34,146.31 S/. 31,032.37

S/. 65,178.68

122 S/. 840,056.38

S/. 32,973.23 S/. 32,205.46

S/. 65,178.68

123 S/. 806,633.49

S/. 31,755.80 S/. 33,422.89

S/. 65,178.68

124 S/. 771,947.16

S/. 30,492.35 S/. 34,686.34

S/. 65,178.68

125 S/. 735,949.61

S/. 29,181.14 S/. 35,997.55

S/. 65,178.68

126 S/. 698,591.28

S/. 27,820.36 S/. 37,358.33

S/. 65,178.68

127 S/. 659,820.73

S/. 26,408.14 S/. 38,770.55

S/. 65,178.68

128 S/. 619,584.58

S/. 24,942.53 S/. 40,236.15

S/. 65,178.68

129 S/. 577,827.43

S/. 23,421.53 S/. 41,757.16

S/. 65,178.68

130 S/. 534,491.77

S/. 21,843.02 S/. 43,335.66

S/. 65,178.68

131 S/. 489,517.93

S/. 20,204.85 S/. 44,973.83

S/. 65,178.68

132 S/. 442,844.00

S/. 18,504.75 S/. 46,673.93

S/. 65,178.68

133 S/. 394,405.69

S/. 16,740.38 S/. 48,438.30

S/. 65,178.68

134 S/. 344,136.33

S/. 14,909.32 S/. 50,269.37

S/. 65,178.68

135 S/. 291,966.68

S/. 13,009.04 S/. 52,169.65

S/. 65,178.68

136 S/. 237,824.91

S/. 11,036.92 S/. 54,141.76

S/. 65,178.68

137 S/. 181,636.48

S/. 8,990.25 S/. 56,188.43

S/. 65,178.68

138 S/. 123,324.02

S/. 6,866.22 S/. 58,312.47

S/. 65,178.68

139 S/. 62,807.23

S/. 4,661.89 S/. 60,516.79

S/. 65,178.68

140 S/. 2.78

S/. 2,374.24 S/. 62,804.45

S/. 65,178.68