MilCo Calculo-de-Intereses

	B	C	D	E	F	G	H	I	J	K	L	M
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2	Plantilla para calcular intereses de un préstamo
3	Autor: CPC Roger Hernandez Romero, Lima Perú Marzo 2020
4	Formulas: Según publicacion del BBVA en el siguiente enlace:
5	https://www.bbva.pe/fbin/mult/formula-para-la-liquidacion-de-intereses-prestamos-hipotecarios_tcm1105-424085.pdf										3	Formula para el interés
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7		PRESTAMO A 18 MESES
8		IMPORTE			150,000.00
9		TASA EFECTIVA ANUAL (TEA)			13.70			Cuota =	Préstamo
10		PLAZO			18 MESES		1	Cuota =	Factor de Actualización
11		FECHA DE DESEMBOLSO			6/28/2019
12		SEGURO			56.50			Factor de Act.=	1
13							2	Factor de Act.=	(1+(i))^(dias/360)
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17	Cronograma de pagos
18	Cuota Nº	Vencimiento	Días acumulados	Factor(para cálculo de cuota)	Dias Mes	Factor de Intereses	Saldo Capital	Amortización	Intereses	Totla Cuota	Seguro	Total a pagar
19	0	6/28/2019					150,000.00
20	1	7/30/2019	32	0.98865214796	32	0.011478104	142,493.00	7,507.00	1,721.72	9,228.71	56.50	9,285.21
21	2	8/28/2019	61	0.97847942745	29	0.010396458	134,745.71	7,747.29	1,481.42	9,228.71	56.50	9,285.21
22	3	9/30/2019	94	0.96703083673	33	0.011838910	127,112.24	7,633.47	1,595.24	9,228.71	56.50	9,285.21
23	4	10/28/2019	122	0.95742198994	28	0.010036167	119,159.24	7,952.99	1,275.72	9,228.71	56.50	9,285.21
24	5	11/28/2019	153	0.94689495466	31	0.011117427	111,255.28	7,903.97	1,324.74	9,228.71	56.50	9,285.21
25	6	12/30/2019	185	0.93614973082	32	0.011478104	103,303.56	7,951.71	1,277.00	9,228.71	56.50	9,285.21
26	7	1/28/2020	214	0.92651723309	29	0.010396458	95,148.84	8,154.72	1,073.99	9,228.71	56.50	9,285.21
27	8	2/28/2020	245	0.91633000144	31	0.011117427	86,977.94	8,170.90	1,057.81	9,228.71	56.50	9,285.21
28	9	3/30/2020	276	0.90625478032	31	0.011117427	78,716.19	8,261.74	966.97	9,228.71	56.50	9,285.21
29	10	4/28/2020	305	0.89692988621	29	0.010396458	70,305.85	8,410.34	818.37	9,228.71	56.50	9,285.21
30	11	5/28/2020	335	0.88738440030	30	0.010756878	61,833.41	8,472.44	756.27	9,228.71	56.50	9,285.21
31	12	6/30/2020	368	0.87700165691	33	0.011838910	53,336.73	8,496.67	732.04	9,228.71	56.50	9,285.21
32	13	7/30/2020	398	0.86766825517	30	0.010756878	44,681.75	8,654.98	573.74	9,228.71	56.50	9,285.21
33	14	8/28/2020	427	0.85874039650	29	0.010396458	35,917.57	8,764.18	464.53	9,228.71	56.50	9,285.21
34	15	9/28/2020	458	0.84929838394	31	0.011117427	27,088.17	8,829.40	399.31	9,228.71	56.50	9,285.21
35	16	10/28/2020	488	0.84025981149	30	0.010756878	18,150.84	8,937.33	291.38	9,228.71	56.50	9,285.21
36	17	11/30/2020	521	0.83042844416	33	0.011838910	9,137.01	9,013.83	214.89	9,228.71	56.50	9,285.21
37	18	12/28/2020	549	0.82217693925	28	0.010036167	0.00	9,137.01	91.70	9,228.71	56.50	9,285.21
38			Factor total	16.25361927634				150,000.00	16,116.85	166,116.85	1,017.00	167,133.85
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