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Cuota & Amortizacion Fija

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CUOTA FIJA (12 meses) AMORTIZACION FIJA (12 meses) CUOTA FIJA (24 meses) AMORTIZACION FIJA (24 meses) CUOTA FIJA (36 meses) AMORTIZACION FIJA (36 meses)

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CUOTA FIJAMarca : Cámara Digital SONY DSC-W190

SAGAFALABELLAP = s/. 749TIEA = 42.41% TIM = {(1+ 0.4241)*30/360 - 1}100 TIM = 2.99%

NC = 12 CF = 749 (0.0299/1-(1+ 0.0299)*-12)CF = 75.20

NC Amortización Interés Cuota Fija Saldo Comisión S.D. TIF0 749.00 0.595%1 52.81 22.39 75.20 696.19 7.9 0.06%(75.20)2 54.39 20.81 75.20 641.80 7.9 0.045123 56.02 19.18 75.20 585.78 7.9 0.045124 57.69 17.51 75.20 528.09 7.9 0.045125 59.42 15.78 75.20 468.67 7.9 0.045126 61.19 14.01 75.20 407.48 7.9 0.045127 63.02 12.18 75.20 344.46 7.9 0.045128 64.91 10.29 75.20 279.55 7.9 0.045129 66.85 8.35 75.20 212.70 7.9 0.04512

10 68.85 6.35 75.20 143.85 7.9 0.0451211 70.90 4.30 75.20 72.95 7.9 0.0451212 73.02 2.18 75.20 0.07 7.9 0.04512

TOTAL 902.40 94.8 0.54144

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(997.74/749)*360/12(30) - 1}100

TRA = 33.21%

Microsoft Office Excel Worksheet

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CUOTA FIJAMarca : Cámara Digital SONY DSC-W190

LA CURACAOP = s/. 749TIEA = 49% TIM = {(1+ 0.49)*30/360 - 1}100 TIM = 3.38%

NC = 12 CF = 749 (0.0338/1-(1+ 0.0338)*-12)CF = 76.96

NC Amortización Interés Cuota Fija Saldo Comisión S.D. TIF0 749.00 0.075%1 51.65 25.31 76.96 697.35 9.00 0.06%(76.96)2 53.39 23.57 76.96 643.96 9.00 0.0461763 55.20 21.76 76.96 588.76 9.00 0.0461764 57.06 19.90 76.96 531.70 9.00 0.0461765 58.99 17.97 76.96 472.71 9.00 0.0461766 60.99 15.97 76.96 411.72 9.00 0.0461767 63.05 13.91 76.96 348.67 9.00 0.0461768 65.18 11.78 76.96 283.49 9.00 0.0461769 67.38 9.58 76.96 216.11 9.00 0.046176

10 69.66 7.30 76.96 146.45 9.00 0.04617611 72.01 4.95 76.96 74.44 9.00 0.04617612 74.45 2.51 76.96 0.01 9.00 0.046176

TOTAL 923.52 108.00 0.554112

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1032.07/749)*360/12(30) - 1}100

TRA = 37.79%

Microsoft Office Excel Worksheet

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CUOTA FIJAMarca : Cámara Digital SONY DSC-W190 + MS 4G(gratis)

ELEKTRAP = s/. 799TIEA = 181.27% TIM = {(1+ 1.8127)*30/360 - 1}100 TIM = 9%

NC = 12 CF = 799 (0.09/1-(1+ 0.09)*-12)CF = 111.58

NC Amortización Interés Cuota Fija Saldo Comisión S.D. TIF0 799.00 0.0125%1 39.67 71.91 111.58 759.33 0.06%(111.58)2 43.25 68.33 111.58 716.08 0.0669483 47.14 64.44 111.58 668.94 0.0669484 51.38 60.20 111.58 617.56 0.0669485 56.00 55.58 111.58 561.56 0.0669486 61.04 50.54 111.58 500.52 0.0669487 66.54 45.04 111.58 433.98 0.0669488 72.53 39.05 111.58 361.45 0.0669489 79.05 32.53 111.58 282.40 0.066948

10 86.17 25.41 111.58 196.23 0.06694811 93.92 17.66 111.58 102.31 0.06694812 102.38 9.20 111.58 0.07 0.066948

TOTAL 1338.96 0.803376

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1339.76/799)*360/12(30) - 1}100

TRA = 67.68%

Microsoft Office Excel Worksheet

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AMORTIZACIÓN FIJASAGAFALABELLA P = s/.749 TIEA = 42.41% TIM = 2.99% NC = 12 AF = 62.42

NC Amortización Fija Interés Cuota Saldo Comisión S.D. TIF0 749.00 0.595%1 62.42 22.39 84.80 686.58 7.9 0.06%(84.80)2 62.42 20.52 82.93 624.16 7.9 0.050883 62.42 18.66 81.07 561.74 7.9 0.050884 62.42 16.79 79.21 499.32 7.9 0.050885 62.42 14.92 77.34 436.90 7.9 0.050886 62.42 13.06 75.48 374.48 7.9 0.050887 62.42 11.19 73.61 312.06 7.9 0.050888 62.42 9.33 71.75 249.64 7.9 0.050889 62.42 7.46 69.88 187.22 7.9 0.05088

10 62.42 5.59 68.01 124.80 7.9 0.0508811 62.42 3.73 66.15 62.38 7.9 0.0508812 62.42 1.86 64.28 0.04 7.9 0.05088

TOTAL 894.51 94.8 0.61056

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(989.92/749)*360/12(30) - 1}100

TRA = 32.17%

NOTA: En Cuota Fija resultará más caro el producto (cámara digital) a una TRA = 33.21% En Amortización Fija resultará. en cierto sentido más cómodo, pero también caro el producto a una TRA = 32.17%

CONCLUSIÓN: Sagafalabella no ofrece el producto al Precio Fijado ni a la TEIA exacta

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AMORTIZACIÓN FIJALA CURACAO P = s/.749 TIEA = 49% TIM = 3.38% NC = 12 AF = 62.42

NC Amortización Fija Interés Cuota Saldo Comisión S.D. TIF0 749.00 0.075%1 62.42 25.31 87.73 686.58 9.00 0.06%(87.73)2 62.42 23.20 85.62 624.16 9.00 0.0526383 62.42 21.09 83.51 561.74 9.00 0.0526384 62.42 18.98 81.40 499.32 9.00 0.0526385 62.42 16.87 79.29 436.90 9.00 0.0526386 62.42 14.76 77.18 374.48 9.00 0.0526387 62.42 12.65 75.07 312.06 9.00 0.0526388 62.42 10.54 72.96 249.64 9.00 0.0526389 62.42 8.43 70.85 187.22 9.00 0.052638

10 62.42 6.32 68.74 124.80 9.00 0.05263811 62.42 4.21 66.63 62.38 9.00 0.05263812 62.42 2.10 64.52 0.04 9.00 0.052638

TOTAL 913.50 108.00 0.631656

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1022.13/749)*360/12(30) - 1}100

TRA = 36.47%

NOTA: En Cuota Fija resultará más caro el producto (cámara digital) a una TRA = 37.79% En Amortización Fija resultará, en cierto sentido más cómodo, pero igual de caro el producto a una TRA = 36.47%

CONCLUSIÓN: La Curacao no ofrece el producto al Precio Fijado ni tampoco a la TEIA exacta

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AMORTIZACIÓN FIJAELEKTRA P = s/.799 TIEA = 181.27% TIM = 9% NC = 12 AF = 66.58

NC Amortización Fija Interés Cuota Saldo Comisión S.D. TIF0 799.00 0.595%1 66.58 71.91 138.49 732.42 0.06%(138.49)2 66.58 65.91 132.49 665.84 0.0830943 66.58 59.92 126.50 599.26 0.0830944 66.58 53.93 120.51 532.68 0.0830945 66.58 47.94 114.52 466.10 0.0830946 66.58 41.94 108.52 399.52 0.0830947 66.58 35.95 102.53 332.94 0.0830948 66.58 29.96 96.54 266.36 0.0830949 66.58 23.97 90.55 199.78 0.083094

10 66.58 17.98 84.56 133.20 0.08309411 66.58 11.98 78.56 66.62 0.08309412 66.58 5.99 72.57 0.04 0.083094

TOTAL 1266.34 0.997128

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1267.34/799)*360/12(30) - 1}100

TRA = 58.62%

NOTA: En Cuota Fija resultará demasiado caro el producto (cámara digital) a una TRA = 67.68% En Amortización Fija resultará, en cierto sentido más cómodo, pero muy caro el producto a una TRA = 58.62%

CONCLUSIÓN: Elektra no ofrece el producto al Precio Fijado ni siquiera a la TEIA exacta

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CUOTA FIJAMarca : Cámara Digital SONY DSC-W190

SAGAFALABELLAP = s/. 749TIEA = 42.41% TIM = {(1+ 0.4241)*30/360 - 1}100 TIM = 2.99%

NC = 24 CF = 749 (0.0299/1-(1+ 0.0299)*-24)CF = 44.18

NC Amortización Interés Cuota Fija Saldo Comisión S.D. TIF0 749.00 0.595%1 21.79 22.39 44.18 727.21 7.9 0.06%(44.17)2 22.44 21.74 44.18 704.77 7.9 0.0265023 23.11 21.07 44.18 681.66 7.9 0.0265024 23.80 20.38 44.18 657.86 7.9 0.0265025 24.51 19.67 44.18 633.35 7.9 0.0265026 25.25 18.93 44.18 608.10 7.9 0.0265027 26.00 18.18 44.18 582.10 7.9 0.0265028 26.78 17.40 44.18 555.32 7.9 0.0265029 27.58 16.60 44.18 527.74 7.9 0.026502

10 28.41 15.77 44.18 499.33 7.9 0.02650211 29.26 14.92 44.18 470.07 7.9 0.02650212 30.13 14.05 44.18 439.94 7.9 0.02650213 31.03 13.15 44.18 408.91 7.9 0.02650214 31.96 12.22 44.18 376.95 7.9 0.02650215 32.91 11.27 44.18 344.04 7.9 0.02650216 33.90 10.28 44.18 310.14 7.9 0.02650217 34.91 9.27 44.18 275.23 7.9 0.02650218 35.96 8.22 44.18 239.27 7.9 0.02650219 37.03 7.15 44.18 202.24 7.9 0.02650220 38.14 6.04 44.18 164.10 7.9 0.02650221 39.28 4.90 44.18 124.82 7.9 0.02650222 40.45 3.73 44.18 84.37 7.9 0.02650223 41.66 2.52 44.18 42.71 7.9 0.02650224 42.91 1.27 44.18 0.20 7.9 0.026502

TOTAL 1,060.32 189.6 0.636048

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1250.56/749)*360/24(30) - 1}100

TRA = 29.21%

Microsoft Office Excel Worksheet

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CUOTA FIJAMarca : Cámara Digital SONY DSC-W190

LA CURACAOP = s/. 749TIEA = 49% TIM = {(1+ 0.49)*30/360 - 1}100 TIM = 3.38%

NC = 24 CF = 749 (0.0338/1-(1+ 0.0338)*-24)CF = 46.05

NC Amortización Interés Cuota Fija Saldo Comisión S.D. TIF0 749.00 0.075%1 20.74 25.31 46.05 728.26 9.00 0.06%(46.05)2 21.44 24.61 46.05 706.82 9.00 0.027633 22.16 23.89 46.05 684.66 9.00 0.027634 22.91 23.14 46.05 661.75 9.00 0.027635 23.69 22.36 46.05 638.06 9.00 0.027636 24.49 21.56 46.05 613.57 9.00 0.027637 25.32 20.73 46.05 588.25 9.00 0.027638 26.17 19.88 46.05 562.08 9.00 0.027639 27.06 18.99 46.05 535.02 9.00 0.02763

10 27.97 18.08 46.05 507.05 9.00 0.0276311 28.92 17.13 46.05 478.13 9.00 0.0276312 29.89 16.16 46.05 448.24 9.00 0.0276313 30.90 15.15 46.05 417.34 9.00 0.0276314 31.95 14.10 46.05 385.39 9.00 0.0276315 33.03 13.02 46.05 352.36 9.00 0.0276316 34.15 11.90 46.05 318.21 9.00 0.0276317 35.30 10.75 46.05 282.91 9.00 0.0276318 36.49 9.56 46.05 246.42 9.00 0.0276319 37.73 8.32 46.05 208.69 9.00 0.0276320 39.00 7.05 46.05 169.69 9.00 0.0276321 40.32 5.73 46.05 129.37 9.00 0.0276322 41.68 4.37 46.05 87.69 9.00 0.0276323 43.09 2.96 46.05 44.60 9.00 0.0276324 44.55 1.50 46.05 0.05 9.00 0.02763

TOTAL 1,105.20 216.00 0.66312

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1321.86/749)*360/24(30) - 1}100

TRA = 32.85%

Microsoft Office Excel Worksheet

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CUOTA FIJAMarca : Cámara Digital SONY DSC-W190

ELEKTRAP = s/. 799TIEA = 181.27% TIM = {(1+ 1.8127)*30/360 - 1}100 TIM = 9%

NC = 24 CF = 799 (0.09/1-(1+ 0.09)*-24)CF = 82.31

NC Amortización Interés Cuota Fija Saldo Comisión S.D. TIF0 799.00 0.0125%1 10.40 71.91 82.31 788.60 0.06%(82.31)2 11.34 70.97 82.31 777.26 0.0493863 12.36 69.95 82.31 764.90 0.0493864 13.47 68.84 82.31 751.43 0.0493865 14.69 67.62 82.31 736.74 0.0493866 16.01 66.30 82.31 720.73 0.0493867 17.45 64.86 82.31 703.28 0.0493868 19.02 63.29 82.31 684.26 0.0493869 20.73 61.58 82.31 663.53 0.049386

10 22.60 59.71 82.31 640.93 0.04938611 24.63 57.68 82.31 616.30 0.04938612 26.85 55.46 82.31 589.45 0.04938613 29.26 53.05 82.31 560.19 0.04938614 31.90 50.41 82.31 528.29 0.04938615 34.77 47.54 82.31 493.52 0.04938616 37.90 44.41 82.31 455.62 0.04938617 41.31 41.00 82.31 414.31 0.04938618 45.03 37.28 82.31 369.28 0.04938619 49.08 33.23 82.31 320.20 0.04938620 53.50 28.81 82.31 266.70 0.04938621 58.31 24.00 82.31 208.39 0.04938622 63.56 18.75 82.31 144.83 0.04938623 69.28 13.03 82.31 75.55 0.04938624 75.52 6.79 82.31 0.03 0.049386

TOTAL 1,975.44 1.185264

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1976.63/799)*360/24(30) - 1}100

TRA = 57.29%

Microsoft Office Excel Worksheet

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AMORTIZACIÓN FIJASAGAFALABELLA P = s/.749 TIEA = 42.41% TIM = 2.99% NC = 24 AF = 31.20

NC Amortización Fija Interés Cuota Saldo Comisión S.D. TIF0 749.00 0.595%1 31.21 22.39 53.60 717.79 7.9 0.06%(53.60)2 31.21 21.46 52.67 686.58 7.9 0.032163 31.21 20.52 51.73 655.37 7.9 0.032164 31.21 19.59 50.80 624.16 7.9 0.032165 31.21 18.66 49.87 592.95 7.9 0.032166 31.21 17.73 48.94 561.74 7.9 0.032167 31.21 16.79 48.00 530.53 7.9 0.032168 31.21 15.86 47.07 499.32 7.9 0.032169 31.21 14.93 46.14 468.11 7.9 0.03216

10 31.21 13.99 45.20 436.90 7.9 0.0321611 31.21 13.06 44.27 405.69 7.9 0.0321612 31.21 12.13 43.34 374.48 7.9 0.0321613 31.21 11.20 42.41 343.27 7.9 0.0321614 31.21 10.26 41.47 312.06 7.9 0.0321615 31.21 9.33 40.54 280.85 7.9 0.0321616 31.21 8.40 39.61 249.64 7.9 0.0321617 31.21 7.46 38.67 218.43 7.9 0.0321618 31.21 6.53 37.74 187.22 7.9 0.0321619 31.21 5.60 36.81 156.01 7.9 0.0321620 31.21 4.67 35.88 124.80 7.9 0.0321621 31.21 3.73 34.94 93.59 7.9 0.0321622 31.21 2.80 34.01 62.38 7.9 0.0321623 31.21 1.87 33.08 31.17 7.9 0.0321624 31.21 0.93 32.14 0.04 7.9 0.03216

TOTAL 1,028.93 189.6 0.77184

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1219.30/749)*360/24(30) - 1}100

TRA = 27.59%

NOTA: En Cuota Fija resultará más caro el producto (cámara digital) a una TRA = 29.21% En Amortización Fija resultará. en cierto sentido más cómodo, pero igual de caro el producto a una TRA = 27.59%

CONCLUSIÓN: Sagafalabella no ofrece el producto al Precio Fijado ni a la TEIA exacta

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AMORTIZACIÓN FIJALA CURACAO P = s/.749 TIEA = 49% TIM = 3.38% NC = 24 AF = 31.21

NC Amortización Fija Interés Cuota Saldo Comisión S.D. TIF0 749.00 0.075%1 31.21 25.31 56.52 717.79 9.00 0.06%(56.52)2 31.21 24.26 55.47 686.58 9.00 0.0339123 31.21 23.20 54.41 655.37 9.00 0.0339124 31.21 22.15 53.36 624.16 9.00 0.0339125 31.21 21.09 52.30 592.95 9.00 0.0339126 31.21 20.04 51.25 561.74 9.00 0.0339127 31.21 18.98 50.19 530.53 9.00 0.0339128 31.21 17.93 49.14 499.32 9.00 0.0339129 31.21 16.87 48.08 468.11 9.00 0.033912

10 31.21 15.82 47.03 436.90 9.00 0.03391211 31.21 14.76 45.97 405.69 9.00 0.03391212 31.21 13.71 44.92 374.48 9.00 0.03391213 31.21 12.65 43.86 343.27 9.00 0.03391214 31.21 11.60 42.81 312.06 9.00 0.03391215 31.21 10.54 41.75 280.85 9.00 0.03391216 31.21 9.49 40.70 249.64 9.00 0.03391217 31.21 8.43 39.64 218.43 9.00 0.03391218 31.21 7.38 38.59 187.22 9.00 0.03391219 31.21 6.32 37.53 156.01 9.00 0.03391220 31.21 5.27 36.48 124.80 9.00 0.03391221 31.21 4.21 35.42 93.59 9.00 0.03391222 31.21 3.16 34.37 62.38 9.00 0.03391223 31.21 2.10 33.31 31.17 9.00 0.03391224 31.21 1.05 32.26 0.04 9.00 0.033912

TOTAL 1,065.36 216.00 0.813888

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1282.17/749)*360/24(30) - 1}100

TRA = 30.84%

NOTA: En Cuota Fija resultará demasiado caro el producto (cámara digital) a una TRA = 32.85% En Amortización Fija resultará, en cierto sentido más cómodo, pero igual de caro el producto a una TRA = 30.84%

CONCLUSIÓN: La Curacao no ofrece el producto al Precio Fijado ni tampoco a la TEIA exacta

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AMORTIZACIÓN FIJAELEKTRA P = s/.799 TIEA = 181.27% TIM = 9% NC = 24 AF = 33.29

NC Amortización Fija Interés Cuota Saldo Comisión S.D. TIF0 799.00 0.0125%1 33.29 71.91 105.20 765.71 0.06%(105.20)2 33.29 68.91 102.20 732.42 0.063123 33.29 65.91 99.20 699.13 0.063124 33.29 62.92 96.21 665.84 0.063125 33.29 59.92 93.21 632.55 0.063126 33.29 56.92 90.21 599.26 0.063127 33.29 53.93 87.22 565.97 0.063128 33.29 50.93 84.22 532.68 0.063129 33.29 47.94 81.23 499.39 0.06312

10 33.29 44.94 78.23 466.10 0.0631211 33.29 41.94 75.23 432.81 0.0631212 33.29 38.95 72.24 399.52 0.0631213 33.29 35.95 69.24 366.23 0.0631214 33.29 32.96 66.25 332.94 0.0631215 33.29 29.96 63.25 299.65 0.0631216 33.29 26.96 60.25 266.36 0.0631217 33.29 23.97 57.26 233.07 0.0631218 33.29 20.97 54.26 199.78 0.0631219 33.29 17.98 51.27 166.49 0.0631220 33.29 14.98 48.27 133.20 0.0631221 33.29 11.98 45.27 99.91 0.0631222 33.29 8.99 42.28 66.62 0.0631223 33.29 5.99 39.28 33.33 0.0631224 33.29 2.99 36.28 0.04 0.06312

TOTAL 1,697.76 1.51488

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1699.27/799)*360/24(30) - 1}100

TRA = 45.83%

NOTA: En Cuota Fija resultará demasiado caro el producto (cámara digital) a una TRA = 57.29% En Amortización Fija resultará, en cierto sentido más cómodo, pero muy caro el producto a una TRA = 45.83%

CONCLUSIÓN: Elektra no ofrece el producto al Precio Fijado ni siquiera a la TEIA exacta

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CUOTA FIJAMarca : Cámara Digital SONY DSC-W190

SAGAFALABELLAP = s/. 749TIEA = 42.41% TIM = {(1+ 0.4241)*30/360 - 1}100 TIM = 2.99%

NC = 36 CF = 749 (0.0299/1-(1+ 0.0299)*-36)CF = 34.25

NC Amortización Interés Cuota Fija Saldo Comisión S.D. TIF0 749.00 0.595%1 34.25 7.9 0.06%(34.25)2 34.25 7.9 0.020553 34.25 7.9 0.020554 34.25 7.9 0.020555 34.25 7.9 0.020556 34.25 7.9 0.020557 34.25 7.9 0.020558 34.25 7.9 0.020559 34.25 7.9 0.02055

10 34.25 7.9 0.0205511 34.25 7.9 0.0205512 34.25 7.9 0.0205513 34.25 7.9 0.0205514 34.25 7.9 0.0205515 34.25 7.9 0.0205516 34.25 7.9 0.0205517 34.25 7.9 0.0205518 34.25 7.9 0.0205519 34.25 7.9 0.0205520 34.25 7.9 0.0205521 34.25 7.9 0.0205522 34.25 7.9 0.0205523 34.25 7.9 0.0205524 34.25 7.9 0.0205525 34.25 7.9 0.0205526 34.25 7.9 0.0205527 34.25 7.9 0.0205528 34.25 7.9 0.0205529 34.25 7.9 0.0205530 34.25 7.9 0.0205531 34.25 7.9 0.0205532 34.25 7.9 0.0205533 34.25 7.9 0.0205534 34.25 7.9 0.0205535 34.25 7.9 0.0205536 34.25 7.9 0.02055

TOTAL 1,233.00 284.4 0.7398

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1518.14/749)*360/36(30) - 1}100

TRA = 26.55%

Microsoft Office Excel Worksheet

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CUOTA FIJAMarca : Cámara Digital SONY DSC-W190

LA CURACAOP = s/. 749TIEA = 49% TIM = {(1+ 0.49)*30/360 - 1}100 TIM = 3.38%

NC = 36 CF = 749 (0.0338/1-(1+ 0.0338)*-36)CF = 36.27

NC Amortización Interés Cuota Fija Saldo Comisión S.D. TIF0 749.00 0.075%1 36.27 9.00 0.06%(36.27)2 36.27 9.00 0.0217623 36.27 9.00 0.0217624 36.27 9.00 0.0217625 36.27 9.00 0.0217626 36.27 9.00 0.0217627 36.27 9.00 0.0217628 36.27 9.00 0.0217629 36.27 9.00 0.021762

10 36.27 9.00 0.02176211 36.27 9.00 0.02176212 36.27 9.00 0.02176213 36.27 9.00 0.02176214 36.27 9.00 0.02176215 36.27 9.00 0.02176216 36.27 9.00 0.02176217 36.27 9.00 0.02176218 36.27 9.00 0.02176219 36.27 9.00 0.02176220 36.27 9.00 0.02176221 36.27 9.00 0.02176222 36.27 9.00 0.02176223 36.27 9.00 0.02176224 36.27 9.00 0.02176225 36.27 9.00 0.02176226 36.27 9.00 0.02176227 36.27 9.00 0.02176228 36.27 9.00 0.02176229 36.27 9.00 0.02176230 36.27 9.00 0.02176231 36.27 9.00 0.02176232 36.27 9.00 0.02176233 36.27 9.00 0.02176234 36.27 9.00 0.02176235 36.27 9.00 0.02176236 36.27 9.00 0.021762

TOTAL 1,305.72 324.00 0.783432

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1590.90/749)*360/36(30) - 1}100

TRA = 28.54%

Microsoft Office Excel Worksheet

Page 24: Cuota & Amortizacion Fija

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CUOTA FIJAMarca : Cámara Digital SONY DSC-W190

ELEKTRAP = s/. 799TIEA = 181.27% TIM = {(1+ 1.8127)*30/360 - 1}100 TIM = 9%

NC = 36 CF = 799 (0.09/1-(1+ 0.09)*-36)CF = 75.29

NC Amortización Interés Cuota Fija Saldo Comisión S.D. TIF0 799.00 0.0125%1 75.29 0.06%(75.29)2 75.29 0.0451743 75.29 0.0451744 75.29 0.0451745 75.29 0.0451746 75.29 0.0451747 75.29 0.0451748 75.29 0.0451749 75.29 0.045174

10 75.29 0.04517411 75.29 0.04517412 75.29 0.04517413 75.29 0.04517414 75.29 0.04517415 75.29 0.04517416 75.29 0.04517417 75.29 0.04517418 75.29 0.04517419 75.29 0.04517420 75.29 0.04517421 75.29 0.04517422 75.29 0.04517423 75.29 0.04517424 75.29 0.04517425 75.29 0.04517426 75.29 0.04517427 75.29 0.04517428 75.29 0.04517429 75.29 0.04517430 75.29 0.04517431 75.29 0.04517432 75.29 0.04517433 75.29 0.04517434 75.29 0.04517435 75.29 0.04517436 75.29 0.045174

TOTAL 2,710.44 1.626264

TRA = {(Total a Pagar/Monto Abonado) - 1}100

TRA = {(2712.07/799)*360/36(30) - 1}100

TRA = 50.29%

Microsoft Office Excel Worksheet

Page 25: Cuota & Amortizacion Fija

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Page 26: Cuota & Amortizacion Fija

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AMORTIZACIÓN FIJASAGAFALABELLA P = s/.749 TIEA = 42.41% TIM = 2.99% NC = 36 AF = 20.81

NC Amortización Fija Interés Cuota Saldo Comisión S.D. TIF0 749.00 0.595%1 20.81 22.39 43.20 728.19 7.9 0.06%(43.19)2 20.81 21.77 42.58 707.38 7.9 0.0259143 20.81 21.15 41.96 686.57 7.9 0.0259144 20.81 20.52 41.33 665.76 7.9 0.0259145 20.81 19.90 40.71 644.95 7.9 0.0259146 20.81 19.28 40.09 624.14 7.9 0.0259147 20.81 18.66 39.47 603.33 7.9 0.0259148 20.81 18.03 38.84 582.52 7.9 0.0259149 20.81 17.41 38.22 561.71 7.9 0.025914

10 20.81 16.79 37.60 540.90 7.9 0.02591411 20.81 16.17 36.98 520.09 7.9 0.02591412 20.81 15.55 36.36 499.28 7.9 0.02591413 20.81 14.92 35.73 478.47 7.9 0.02591414 20.81 14.30 35.11 457.66 7.9 0.02591415 20.81 13.68 34.49 436.85 7.9 0.02591416 20.81 13.06 33.87 416.04 7.9 0.02591417 20.81 12.43 33.24 395.23 7.9 0.02591418 20.81 11.81 32.62 374.42 7.9 0.02591419 20.81 11.19 32.00 353.61 7.9 0.02591420 20.81 10.57 31.38 332.80 7.9 0.02591421 20.81 9.95 30.76 311.99 7.9 0.02591422 20.81 9.32 30.13 291.18 7.9 0.02591423 20.81 8.70 29.51 270.37 7.9 0.02591424 20.81 8.08 28.89 249.56 7.9 0.02591425 20.81 7.46 28.27 228.75 7.9 0.02591426 20.81 6.83 27.64 207.94 7.9 0.02591427 20.81 6.21 27.02 187.13 7.9 0.02591428 20.81 5.59 26.40 166.32 7.9 0.02591429 20.81 4.97 25.78 145.51 7.9 0.02591430 20.81 4.35 25.16 124.70 7.9 0.02591431 20.81 3.72 24.53 103.89 7.9 0.02591432 20.81 3.10 23.91 83.08 7.9 0.02591433 20.81 2.48 23.29 62.27 7.9 0.02591434 20.81 1.86 22.67 41.46 7.9 0.02591435 20.81 1.23 22.04 20.65 7.9 0.02591436 20.81 0.61 21.42 0.16 7.9 0.025914

TOTAL 1,163.20 284.4 0.932904

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1448.53/749)*360/36(30) - 1}100

TRA = 24.59%

NOTA: En Cuota Fija resultará más caro el producto (cámara digital) a una TRA = 26.55% En Amortización Fija resultará. en cierto sentido más cómodo, pero también caro el producto a una TRA = 24.59%

CONCLUSIÓN: Sagafalabella no ofrece el producto al Precio Fijado ni a la TEIA exacta

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AMORTIZACIÓN FIJALA CURACAO P = s/.749 TIEA = 49% TIM = 3.38% NC = 36 AF = 20.81

NC Amortización Fija Interés Cuota Saldo Comisión S.D. TIF0 749.00 0.075%1 20.81 25.31 46.12 728.19 9.00 0.06%(46.12)2 20.81 24.61 45.42 707.38 9.00 0.0276723 20.81 23.90 44.71 686.57 9.00 0.0276724 20.81 23.20 44.01 665.76 9.00 0.0276725 20.81 22.50 43.31 644.95 9.00 0.0276726 20.81 21.79 42.60 624.14 9.00 0.0276727 20.81 21.09 41.90 603.33 9.00 0.0276728 20.81 20.39 41.20 582.52 9.00 0.0276729 20.81 19.68 40.49 561.71 9.00 0.027672

10 20.81 18.98 39.79 540.90 9.00 0.02767211 20.81 18.28 39.09 520.09 9.00 0.02767212 20.81 17.57 38.38 499.28 9.00 0.02767213 20.81 16.87 37.68 478.47 9.00 0.02767214 20.81 16.17 36.98 457.66 9.00 0.02767215 20.81 15.46 36.27 436.85 9.00 0.02767216 20.81 14.76 35.57 416.04 9.00 0.02767217 20.81 14.06 34.87 395.23 9.00 0.02767218 20.81 13.35 34.16 374.42 9.00 0.02767219 20.81 12.65 33.46 353.61 9.00 0.02767220 20.81 11.95 32.76 332.80 9.00 0.02767221 20.81 11.24 32.05 311.99 9.00 0.02767222 20.81 10.54 31.35 291.18 9.00 0.02767223 20.81 9.84 30.65 270.37 9.00 0.02767224 20.81 9.13 29.94 249.56 9.00 0.02767225 20.81 8.43 29.24 228.75 9.00 0.02767226 20.81 7.73 28.54 207.94 9.00 0.02767227 20.81 7.02 27.83 187.13 9.00 0.02767228 20.81 6.32 27.13 166.32 9.00 0.02767229 20.81 5.62 26.43 145.51 9.00 0.02767230 20.81 4.91 25.72 124.70 9.00 0.02767231 20.81 4.21 25.02 103.89 9.00 0.02767232 20.81 3.51 24.32 83.08 9.00 0.02767233 20.81 2.80 23.61 62.27 9.00 0.02767234 20.81 2.10 22.91 41.46 9.00 0.02767235 20.81 1.40 22.21 20.65 9.00 0.02767236 20.81 0.69 21.50 0.16 9.00 0.027672

TOTAL 1,217.22 324.00 0.996192

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(1542.22/749)*360/36(30) - 1}100

TRA = 27.22%

NOTA: En Cuota Fija resultará demasiado caro el producto (cámara digital) a una TRA = 28.54% En Amortización Fija resultará, en cierto sentido más cómodo, pero igual de caro el producto a una TRA = 27.22%

CONCLUSIÓN: La Curacao no ofrece el producto al Precio Fijado ni tampoco a la TEIA exacta

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AMORTIZACIÓN FIJAELEKTRA P = s/.799 TIEA = 181.27% TIM = 9% NC = 36 AF = 22.20

NC Amortización Fija Interés Cuota Saldo Comisión S.D. TIF0 799.00 0.0125%1 22.20 71.91 94.11 776.80 0.06%(94.11)2 22.20 69.91 92.11 754.60 0.0564663 22.20 67.91 90.11 732.40 0.0564664 22.20 65.91 88.11 710.20 0.0564665 22.20 63.91 86.11 688.00 0.0564666 22.20 61.92 84.12 665.80 0.0564667 22.20 59.92 82.12 643.60 0.0564668 22.20 57.92 80.12 621.40 0.0564669 22.20 55.92 78.12 599.20 0.056466

10 22.20 53.92 76.12 577.00 0.05646611 22.20 51.93 74.13 554.80 0.05646612 22.20 49.93 72.13 532.60 0.05646613 22.20 47.93 70.13 510.40 0.05646614 22.20 45.93 68.13 488.20 0.05646615 22.20 43.93 66.13 466.00 0.05646616 22.20 41.94 64.14 443.80 0.05646617 22.20 39.94 62.14 421.60 0.05646618 22.20 37.94 60.14 399.40 0.05646619 22.20 35.94 58.14 377.20 0.05646620 22.20 33.94 56.14 355.00 0.05646621 22.20 31.95 54.15 332.80 0.05646622 22.20 29.95 52.15 310.60 0.05646623 22.20 27.95 50.15 288.40 0.05646624 22.20 25.95 48.15 266.20 0.05646625 22.20 23.95 46.15 244.00 0.05646626 22.20 21.96 44.16 221.80 0.05646627 22.20 19.96 42.16 199.60 0.05646628 22.20 17.96 40.16 177.40 0.05646629 22.20 15.96 38.16 155.20 0.05646630 22.20 13.96 36.16 133.00 0.05646631 22.20 11.97 34.17 110.80 0.05646632 22.20 9.97 32.17 88.60 0.05646633 22.20 7.97 30.17 66.40 0.05646634 22.20 5.97 28.17 44.20 0.05646635 22.20 3.97 26.17 22.00 0.05646636 22.20 1.98 24.18 0.20 0.056466

TOTAL 2,129.08 2.032776

TRA = {(Total a Pagar/Monto Abonado)*360/días - 1}100

TRA = {(2131.11/749)*360/36(30) - 1}100

TRA = 38.68%

NOTA: En Cuota Fija resultará demasiado caro el producto (cámara digital) a una TRA = 50.29% En Amortización Fija resultará, en cierto sentido más cómodo, pero muy caro el producto a una TRA = 38.68%

CONCLUSIÓN: Elektra no ofrece el producto al Precio Fijado ni siquiera a la TEIA exacta

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Obtenidas las cuotas y amortizaciones fijas de las empresas: Sagafalabella, La Curacao y Elektra, en NC. de 12, 24, 36; llegaremos a la conclusión que la mejor decisión de compra sería en Sagafalabella, a pesar que no se esta ofreciendo el producto (Cámara Digital SONY DSC-W190) a la TEIA exacta (42.41%) ya q la TRA es: 33.21% (cuota fija) y 32.17% (amortización fija).

Pero si es que ofrecerían a la TRA la mejor elección de compra sería Sagafalabella.

No obstante, quizás otras empresas podrían estar ofreciéndonos el

mismo producto a una mejor tasa de interés (TRA)

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