CALCULO DEL COSTO ANUAL EQUIVALENTE (CAE)EJEMPLO

MONTO DEL CREDITO 3,000,000

CUOTA MENSUAL 166,292

NUMERO DE CUOTAS (MESES) 24

COSTO TOTAL DEL CREDITO 3,991,008

COSTOS DEL CREDITO 991,008

% COSTOS DEL CREDITO 33.03%

COSTO MENSUAL EQUIVALENTE (CME) 2.42%

COSTO ANUAL EQUIVALENTE (CAE) 29.06%

Cuotas -30000001 1675282 1675283 1675284 1675285 1675286 1675287 1675288 1675289 167528

10 16752811 16752812 16752813 16752814 16752815 16752816 16752817 16752818 16752819 16752820 16752821 16752822 16752823 16752824 167528

Tasa efectiva mensual CAE 2.48864%Tasa efectiva anual CAE 34.31011%

CCAF LOS ANDES

Monto Bruto otorgadoSegurosGasto notarialImpuestoMonto líquido recibido PlazoCuota

Tasa interes mensual CAE MENSUALTasa Interes Anual CAE ANUALTasa Interes Anual CAE ANUAL

Tasa de interes mensual con monto bruto

Periodo Cuota Intereses01 167528 71853.92988045132 167528 69594.45742289193 167528 67281.62446984934 167528 64914.1708411126

-2000000 5 167528 62490.8065956122168333.333 6 167528 60010.2113285769168333.333 7 167528 57471.0334520924168333.333 8 167528 54871.8894586697168333.333 9 167528 52211.3631674202168333.333 10 167528 49488.0049524302168333.333 11 167528 46700.3309529111168333.333 12 167528 43846.8222646963168333.333 13 167528 40925.9241126449168333.333 14 167528 37936.0450034997168333.333 15 167528 34875.5558587399168333.333 16 167528 31742.7891269535168333.333 17 167528 28536.0378752488

0.1534% 18 167528 25253.554859206919 167528 21893.551570870920 167528 18454.197264251521 167528 14933.617957818922 167528 11329.895413436823 167528 7641.0660911833124 167528 3865.1200794877

3,042,55029,380

Cargos iniciales1,00012,170

3,000,00024 meses

167,528

2.4886388%29.8637% lineal

34.31% Compuesto

2.3616351%Amortizacion Saldo Insoluto

3,042,55095674.07012 2,946,876

97933.542577 2,848,942100246.37553 2,748,696102613.82916 2,646,082105037.1934 2,541,045

107517.78867 2,433,527110056.96655 2,323,470112656.11054 2,210,814115316.63683 2,095,497118039.99505 1,977,457120827.66905 1,856,630123681.17774 1,732,949126602.07589 1,606,347

129591.955 1,476,755132652.44414 1,344,102135785.21087 1,208,317138991.96212 1,069,325142274.44514 927,051145634.44843 781,416149073.80274 632,342152594.38204 479,748156198.10459 323,550159886.93391 163,663163662.87992 0