analisis de prestamo

ANALISIS DE LA EMPRESA “LOS ANDES”

Para realizar el análisis de la empresa obtuvimos los estados financieros, desde los inicios, tomando en cuenta el capital, el préstamo, las tasas de interés delas mismas y el tiempo en que este préstamo se dio, en este caso a 12 meses.
Teniendo todos estos datos en cuenta, realizamos el siguiente análisis:

TEM es de 4.10%, hallamos la TEA:

TEA =((1+0.041 )360/30 -1 ) * 100

TEA = (( 1.041) 360/30 - 1 ) * 100

TEA = (1.6196-1 ) * 100

TEA= 61.96%

CALCULO DE LA CUOTA DE PRÉSTAMO

Hallamos la cuota de un préstamo de S/. 1000.00 a 12meses, con una TEM de 4.10%

C = 1000 * 0.041
------------------
1-(1 +0.041)-12


C = 1000 * 0.041
---------------
1-(1.041)-12


C = 1000 *0.041
--------------
1-(0.617435)

C = 1000 * 0.041
---------------
0.382565

C = 1000 * 0.10717

C = 107.17






PLAN DE PAGOSPRÉSTAMO: S/. 1,000.00 soles
PLAZO: 12 meses
TASA DE INTERÉS 4.10% T.E.M.
FECHA: 08/01/2008


N° de cuota123456789101112N° de cuota12345
6789101112Fecha07/02/200808/03/200807/04/200807/05/200806/06/200806/07/200805/08/200804/09/200804/10/200803/11/200803/12/200802/01/2009Fecha07/02/200808/03/200807/04/200807/05/200806/06/200806/07/200805/08/200804/09/200804/10/200803/11/200803/12/200802/01/2009
Días303030303030303030303030Días3030303030
30303030303030
CapitalS/. 66.17S/. 68.88S/. 71.71S/. 74.65S/. 77.71S/. 80.90S/. 84.21S/. 87.66S/. 91.26S/. 95.00S/. 98.90S/. 102.95CapitalS/. 66.09S/.68.81S/. 71.65S/. 74.60S/. 77.68S/. 80.88S/. 84.21S/. 87.68S/. 91.30S/. 95.06S/. 98.98S/. 103.06
InterésS/. 41.00S/. 38.29S/. 35.46S/. 32.52S/. 29.46S/. 26.28S/. 22.96S/. 19.51S/. 15.91S/. 12.17S/.8.28S/. 4.22InterésS/. 41.00S/. 38.29S/. 35.47S/. 32.53S/. 29.47S/. 26.29S/. 22.97S/. 19.52S/. 15.92S/. 12.18S/. 8.28S/. 4.23
CuotaS/. 107.17S/. 107.17S/. 107.17S/. 107.17S/. 107.17S/. 107.17S/....