RESUMEN EJECUTIVO

Evaluacin financiera - compra de 12 buses

Scania

Volvo

Valor bus

$320,084.75

$315,000

IGV

$57,615.25

$56,700

Precio de venta Bus

$377,700

$371,700

# buses

12

12

$3,841,017

$3,780,000
$680,400

Bus Scania Valor Venta

IGV

$691,383

Precio Total

$4,532,400

TEA

7.65%

$4,460,400
7.20%

Costo efectivo
Plazo en meses

30

36

CUOTA

Mensual

Semestral

Cuota financiamiento bus sin IGV

$145,042

$711,508
$118,585

Pago promedio financiamiento IGV

Cuota Inicial

$60,234

$60,773

$0

$0

$388,855

$477,709

$31,420

$30,108

$420,275

$507,817

Garantia
Intereses financiamiento BUS
Total intereses

$25,340
$44,604
Comisin Estructuracin

Valor total con intereses

$4,261,292

$4,357,761

Ratio Valor con intereses/ Valor bus

1.109

1.153

Cuota equivalente mes

Cuota equivalente mes

Intereses financiamiento IGV

IMPUESTO SOBRE INTERESES 4.99%
Seguro crediticio(1%)

RESUMEN EJECUTIVO
Evaluacin financiera - compra de 12 buses
Scania

Volvo

Chasis
Carroceria ( Marco polo)
Bus sin IGV

$320,085
IGV

Bus Scania con IGV

# buses
Bus Scania Valor Venta
BUS TOTAL IGV

$315,000

$57,615

$56,700

$377,700

$371,700

12

12

$3,841,017

$3,780,000

$691,383

$680,400

Bus Precio Total

$4,532,400

Buses usados parte de pago

NO

NO

$4,460,400
$110,000

Kms por galn

11

11

11

7.65%

7.20%

Rendimiento mquina
TEA BUS (30 /36 Meses)
TEA IGV (12 meses)

7.00%

7.20%

INTERESES BUS

$388,855

$477,709

INTERES IGV

$31,420

$30,108

Total intereses

$420,275

$507,817

IMPUESTO SOBRE INTERESES 4.99%

$25,340

Seguro crediticio

$44,604

Valor total con intereses

$4,261,292

$4,357,761

Ratio Valor con intereses/ Valor bus

1.109

1.153

SCANIA
$4,532,400
$3,841,017
$691,383

VOLVO
$4,460,400

BCP LEASING

$3,791,340

$3,841,017

Monto total
Financiamiento bus
Financiamiento IGV/ cuota inicial
Modalidad
Fondeo
Garantia prendaria

$4,532,400

$669,060

Prstamos

Prstamos

Externo/local

Externo/ Brazil

Leasing
Per

Buses

Buses

Buses

Aval solidario de
accionistas
Afecta lnea nacional

NO

NO

Informacin contable

Pendiente

Pendiente

Plazo meses
Pagos
TEA US$ BUS

30

36

30

Mensual

Semestral

Mensual

7.65%

7.20%

6.50%

7.56%

8.48%

$711,508

$138,933
$25,008

TCEA US$ BUS

Cuota mensual / Semestral sin IGV US$

IGV CUOTA LEASING US $ 18%

SI

$145,041
$26,107

Financiamiento IGV TEA

7.00%

financiamiento IGV intereses promedio mensual

$420

TEA S/ Dato referencial

8.10%

TCEA S/ Dato referencial

10.11%

Opcin compra sin IGV

1.00%

Comisin activacin Estructuracin sin IGV

1.00%

Probabable mejora por negociar

0.50%
Ms plazo

Pagos
semestrales

Reduccin tasa

Scania Finance

Entidad no
regulada

Forma recupero IGV intereses

IGV

Crdito contra

No hay IGV por

Fact contratos

intereses por ser externo

12 meses

12 meses

90 das gracias

Semestral

Prenda de
otros buses
Seguro crediticio

1.00%
$44,604.00
Sobre monto
total no el
financiado

Impuesto a la Renta

Grava el 4,99%
30%

sobre intereses
por tasas menores
a mercado

Pagos notariales
Percepcin si no eres agente
de percepcin
Primera importacin

10.00%

Segunda exportacin o ms

3.50%

12 buses

IGV BCP PAGARE

INTERBANK
LEASING

IGV INTER
PAGARE

$691,400

$4,532,400

$691,400

$691,400

$3,841,017

$691,400

Pagar

Leasing

Pagar

Per

Per

Per

Lnea crdito

Buses

Lnea crdito

SI

SI

SI

12

30

12

Mensual

Mensual

Mensual

8.50%

6.50%

7.90%

8.85%

7.77%

$60,361

$60,023

$0.00

$138,741
$24,973

8.50%

7.80%

7.90%

1.00%
1.47%
0.50%
Reduccin tasa

Mvil Tours
Importe
Plazo
Tasa de Inters

Cuadro de Amortizaci

tem
tea

Cuota Inicial
Pagos Mensuales

Descripcin
Bus Scania
Total

Precio
377,700.00

4,532,400.00 inc IGV

30 meses
0.6162%
7.6500%
691,383.05
145,041.52

Cant
12.00

Total
4,532,400.00
4,532,400.00

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
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30

Cuadro de Amortizacin
Cuota
23,667.68
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52

Ko
3,841,016.95
3,841,016.95
3,719,643.11
3,597,521.39
3,474,647.18
3,351,015.83
3,226,622.70
3,101,463.07
2,975,532.23
2,848,825.43
2,721,337.88
2,593,064.77
2,464,001.27
2,334,142.50
2,203,483.57
2,072,019.54
1,939,745.44
1,806,656.30
1,672,747.09
1,538,012.75
1,402,448.20
1,266,048.33
1,128,807.98
990,721.99
851,785.13
711,992.16
571,337.82
429,816.79
287,423.73
144,153.27

Inters
23,667.68
23,667.68
22,919.79
22,167.30
21,410.17
20,648.38
19,881.89
19,110.68
18,334.71
17,553.97
16,768.41
15,978.01
15,182.75
14,382.58
13,577.48
12,767.42
11,952.37
11,132.30
10,307.18
9,476.97
8,641.64
7,801.17
6,955.52
6,104.66
5,248.55
4,387.17
3,520.48
2,648.46
1,771.06
888.25
$388,854.69

Amortizacin
121,373.84
122,121.72
122,874.21
123,631.34
124,393.14
125,159.63
125,930.84
126,706.80
127,487.55
128,273.10
129,063.50
129,858.77
130,658.94
131,464.03
132,274.09
133,089.14
133,909.21
134,734.34
135,564.55
136,399.87
137,240.35
138,086.00
138,936.86
139,792.96
140,654.34
141,521.03
142,393.06
143,270.46
144,153.27
$3,841,016.95
$4,229,871.63

Kf
3,841,016.95
3,841,016.95
3,719,643.11
3,597,521.39
3,474,647.18
3,351,015.83
3,226,622.70
3,101,463.07
2,975,532.23
2,848,825.43
2,721,337.88
2,593,064.77
2,464,001.27
2,334,142.50
2,203,483.57
2,072,019.54
1,939,745.44
1,806,656.30
1,672,747.09
1,538,012.75
1,402,448.20
1,266,048.33
1,128,807.98
990,721.99
851,785.13
711,992.16
571,337.82
429,816.79
287,423.73
144,153.27
0.00

145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
-

(145,041.52)
(290,976.75)
(437,811.22)
(585,550.45)
(734,200.02)
(883,765.55)
(1,034,252.68)
(1,185,667.08)
(1,338,014.47)
(1,491,300.60)
(1,645,531.25)
(1,800,712.24)
(1,956,849.43)
(2,113,948.72)
(2,272,016.02)
(2,431,057.30)
(2,591,078.57)
(2,752,085.86)
(2,914,085.25)
(3,077,082.85)
(3,241,084.82)
(3,406,097.34)
(3,572,126.63)
(3,739,178.97)
(3,907,260.66)
(4,076,378.03)
(4,246,537.48)
(4,417,745.42)
(4,590,008.32)
(4,763,332.67)
-

###
(893.72)
(1,792.95)
(2,697.72)
(3,608.06)
(4,524.01)
(5,445.61)
(6,372.89)
(7,305.87)
(8,244.61)
(9,189.14)
(10,139.48)
(11,095.68)
(12,057.77)
(13,025.78)
(13,999.77)
(14,979.75)
(15,965.78)
(16,957.87)
(17,956.09)
(18,960.45)
(19,971.00)
(20,987.78)
(22,010.82)
(23,040.17)
(24,075.86)
(25,117.93)
(26,166.43)
(27,221.38)
(28,282.83)
(29,350.83)
###
###
###
###
###
###

145,041.52
145,935.24
146,834.46
147,739.23
148,649.58
149,565.53
150,487.13
151,414.40
152,347.39
153,286.13
154,230.65
155,180.99
156,137.19
157,099.28
158,067.30
159,041.28
160,021.27
161,007.29
161,999.39
162,997.60
164,001.97
165,012.52
166,029.30
167,052.34
168,081.69
169,117.38
170,159.45
171,207.94
172,262.90
173,324.35
174,392.34
-

(145,041.52)
(290,976.75)
(437,811.22)
(585,550.45)
(734,200.02)
(883,765.55)
(1,034,252.68)
(1,185,667.08)
(1,338,014.47)
(1,491,300.60)
(1,645,531.25)
(1,800,712.24)
(1,956,849.43)
(2,113,948.72)
(2,272,016.02)
(2,431,057.30)
(2,591,078.57)
(2,752,085.86)
(2,914,085.25)
(3,077,082.85)
(3,241,084.82)
(3,406,097.34)
(3,572,126.63)
(3,739,178.97)
(3,907,260.66)
(4,076,378.03)
(4,246,537.48)
(4,417,745.42)
(4,590,008.32)
(4,763,332.67)
(4,937,725.01)
-

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###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###

###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###

###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###

Tasa Int
0.6162% mes
7.6500% ao
-3,841,016.95
23,667.68
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52

145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
145,041.52
-

Mvil Tours
Importe
Plazo
Tasa de Inters

Cuadro de Amortizacin

tem
tea

Cuota Inicial
Pagos Mensuales

Descripcin
IGV
Seguros
Total

Precio
691,383.05

691,383.05 inc IGV

12 meses
0.5654%
7.0000%
0.00
79,008.43

Cant
1.00

Total
691,383.05
0.00
691,383.05

0
1
2
3
4
5
6
7
8
9
10
11
12

0
1
2

3
4
5
6
7
8
9
10
11
12

Cuadro de Amortizacin
Cuota
691,383.05
3,909.18
3,909.18
3,909.18
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43

Ko
691,383.05
691,383.05
691,383.05
691,383.05
616,283.80
540,759.93
464,809.03
388,428.70
311,616.50
234,369.99
156,686.72
78,564.22

Cuota mensual promedio

Inters
3,909.18
3,909.18
3,909.18
3,909.18
3,484.56
3,057.54
2,628.10
2,196.23
1,761.92
1,325.16
885.93
444.21
$31,420.37
2,618.36

Amortizacin
75,099.25
75,523.87
75,950.90
76,380.33
76,812.20
77,246.51
77,683.27
78,122.50
78,564.22
$691,383.05
$722,803.43
60,233.62

Kf
691,383.05
691,383.05
691,383.05
691,383.05
616,283.80
540,759.93
464,809.03
388,428.70
311,616.50
234,369.99
156,686.72
78,564.22
(0.00)

79,008.43
79,008.43
79,008.43

(79,008.43)
###

(446.73)
(895.98)

79,008.43
79,455.16
79,904.41

(79,008.43)
(158,463.59)
(238,368.00)

79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
-

###
###
###
###
###
###
###
###
###
###
-

(1,347.77)
(1,802.11)
(2,259.03)
(2,718.53)
(3,180.62)
(3,645.33)
(4,112.67)
(4,582.65)
(5,055.28)
(5,530.59)
-

80,356.20
80,810.54
81,267.46
81,726.96
82,189.05
82,653.76
83,121.10
83,591.08
84,063.71
84,539.02
-

(318,724.20)
(399,534.74)
(480,802.20)
(562,529.16)
(644,718.21)
(727,371.97)
(810,493.07)
(894,084.15)
(978,147.86)
###
-

Tasa Int
0.5654% mes
7.0000% ao
-691,383.05
3,909.18
3,909.18
3,909.18
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43

79,008.43
79,008.43
79,008.43

79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
79,008.43
-

Movil tours
Cronograma Ejemplo 3 aos pagos semesterales para el saldo capital
Total Exportado

US$

Cuota inicial 15%

US$

669,060.00

Financiamiento

US$

3,791,340.00

Tasa Inters

4,460,400.00

7.2000 tasa de inters anual para todo el financiamiento

Plazo

3 aos pagos semestrales

inicio
fecha de facturacion no conocida an
imposicion sobre los intereses 4.99%

FINANCIAMIENTO

7.33%

8.10%

3.6%

Pagos

Vencimiento*

S. Deudor

Principal

Inters

Total

(3,791,340.00)

4.0%
(3,746,736.00)

4.99%
sobre los intereses

columna de intereses

tasa

ms imposicion

semestral

3,791,340.00

631,890.00

136,488.24

768,378.24

768,378.24

768,378.24

6,810.76

143,299.00

3,159,450.00

631,890.00

113,740.20

745,630.20

745,630.20

745,630.20

5,675.64

119,415.84

2,527,560.00

631,890.00

90,992.16

722,882.16

722,882.16

722,882.16

4,540.51

95,532.67

1,895,670.00

631,890.00

68,244.12

700,134.12

700,134.12

700,134.12

3,405.38

71,649.50

1,263,780.00

631,890.00

45,496.08

677,386.08

677,386.08

677,386.08

2,270.25

47,766.33

631,890.00

654,638.04

654,638.04

631,890.00

22,748.04

654,638.04

3,791,340.00

477,708.84

4,269,048.84

*cada 180 das. Cronograma de vencimientos tentativo

S/. 711,508.14 PAGO SEMESTRAL PROMEDIO

Punto de Inicio: fecha de facturacin y embarque

TOTAL

7,582,680.00

Estructura de Garantias
prenda sobre los camiones financiados
aval solidario de accionistas

955,417.68

9,249,605.82

1,135.13

23,883.17

23,837.67

501,546.51

tasa
3.78%

anual
7.56%

Movil tours
Cronograma Ejemplo - 1 aos cuotas trimestrales para la inicial
cantidad
Total Exportado

US$

4,460,400.00

Cuota inicial 15%

US$

669,060.00

Financiamiento

US$

3,791,340.00

Tasa Inters

precio inc igv

12

371,700.00 precio DDP

7.2000 tasa de inters anual para todo el financiamiento

Plazo

1 ao pagos trimestrales

inicio

fecha de facturacion no conocida an

Tasa de Seguro Crediticio

sobre el valor de las unidades

1.00%

US$ 44,604.00

imposicion sobre los intereses 4.99%

FINANCIAMIENTO DE LA CUOTA INICIAL US$ 669,060

4.99%

Pagos

Vencimiento*

S. Deudor

Principal

Inters

Total

sobre los intereses

columna de intereses

tasa

ms imposicion

trimestral

669,060.00

167,265.00

12,043.08

179,308.08

600.95

12,644.03

501,795.00

167,265.00

9,032.31

176,297.31

450.71

9,483.02

334,530.00

167,265.00

6,021.54

173,286.54

300.47

6,322.01

167,265.00

167,265.00

3,010.77

170,275.77

150.24

3,161.01

669,060.00

30,107.70

699,167.70

1,502.37

31,610.07

* cada 90 dias. Cronograma de vencimientos tentativo

729,275.4

Punto de Inicio: fecha de facturacin y embarque

TOTAL

60772.95 Cuota promedio mensu

1,338,120.00

valor de la carrocera US$

195,000.00

incrementado 8%

210,600.00

8% solamente por cada uno US$

por 12 buses

15,600.00
187,200.00

bajo el escenario de 5.5% de tasa tenemos lo siguiente

intereses por la cuota inicial US$

22,998.94

intereses por el saldo capital US$

547,374.71

bajo el escenario de 7.2% de tasa tenemos lo siguiente

intereses por la cuota inicial US$
intereses por el saldo capital US$

60,215.40
477,708.84

diferencia en los interesas a cobrar

por la cuota inicial US$

37,216.46

por el saldo capital US$

(69,665.87)
total US$

(32,449.41)

60,215.40

2,188,383.75

tasa
1.89%

anual
7.56%

Opcin Leasing BCP

n
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

Deuda
3,841,016.95
3,722,486.59
3,603,332.56
3,483,551.59
3,363,140.36
3,242,095.56
3,120,413.86
2,998,091.91
2,875,126.34
2,751,513.76
2,627,250.77
2,502,333.95
2,376,759.85
2,250,525.02
2,123,625.98
1,996,059.24
1,867,821.28
1,738,908.57
1,609,317.56
1,479,044.68
1,348,086.35
1,216,438.95
1,084,098.87
951,062.45
817,326.04
682,885.95
547,738.47
411,879.89
275,306.46
138,014.42
0.00
Totales

Monto en US$
Monto sin IGV en US$
TEA en US$
TEM en US$
Plazo
Cuota mensual en US$
Depreciacin (acelerada)
Opcin compra
Valor del bien
Depreciacin anual
Tasa de impuesto a la renta
Depreciacin mensual
Ahorro fiscal por depreciacin
Tasa de IGV
Elemento de Concesin
Costo del financiamiento
Costo de estructuracin
Amortizacin
Intereses
118,530.36
119,154.03
119,780.98
120,411.23
121,044.80
121,681.70
122,321.95
122,965.57
123,612.58
124,262.99
124,916.82
125,574.10
126,234.83
126,899.04
127,566.74
128,237.96
128,912.71
129,591.01
130,272.88
130,958.33
131,647.40
132,340.08
133,036.42
133,736.41
134,440.09
135,147.48
135,858.58
136,573.43
137,292.04
138,014.42
3,841,016.95

20,210.26
19,586.59
18,959.63
18,329.38
17,695.82
17,058.92
16,418.66
15,775.04
15,128.04
14,477.62
13,823.79
13,166.52
12,505.78
11,841.57
11,173.87
10,502.65
9,827.90
9,149.61
8,467.74
7,782.28
7,093.22
6,400.53
5,704.20
5,004.20
4,300.52
3,593.14
2,882.03
2,167.19
1,448.58
726.19
321,201.46

Cuota
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
4,162,218.41

4,532,400.00
3,841,016.95
6.50%
0.5262%
30
138,740.61
33.33% anual
1.000%
3,808,739.50
1,269,567.14
30%
105,797.26
31,739.18
18%
1,534,841.26
-2.5997%
1.00%
$45,324.00
Esc Fisc Int
Esc Fisc Dep
6,063.08
5,875.98
5,687.89
5,498.82
5,308.74
5,117.67
4,925.60
4,732.51
4,538.41
4,343.29
4,147.14
3,949.95
3,751.74
3,552.47
3,352.16
3,150.80
2,948.37
2,744.88
2,540.32
2,334.68
2,127.97
1,920.16
1,711.26
1,501.26
1,290.16
1,077.94
864.61
650.16
434.57
217.86
96,360.44

31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
31,739.18
952,175.35

138,933.36

192.75

Opc de Comp

IGV

45,324.00
45,324.00

26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
26,360.72
790,821.50

5,782.39

Flujo de Caja
4,487,076.00
-127,299.07
-127,486.18
-127,674.26
-127,863.34
-128,053.41
-128,244.48
-128,436.55
-128,629.64
-128,823.74
-129,018.86
-129,215.01
-129,412.20
-129,610.42
-129,809.68
-130,009.99
-130,211.36
-130,413.78
-130,617.27
-130,821.83
-131,027.47
-131,234.19
-131,441.99
-131,650.89
-177,184.89
-177,396.00
-132,284.21
-132,497.54
-132,712.00
-132,927.58
-133,144.30
491,923.88

7.63%
0.61%
$3,795,692.95
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36
-138,933.36

6.50%
0.5262%
3,841,016.95
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61
-138,740.61

BANCO
MONTO
CUOTAS
PERIODICIDAD
TEA
Fecha de
desembolso
Comisin
estructuracin

Interbank
$691,400.00
12
Mensual
9.03620%
0.00723519
Jul-13

Err:522

Err:522

Saldo
Principal
Intereses
Cuota
$691,400.00
1
$636,040.30 $55,359.70
$5,002.41 $60,362.12
2
$580,280.06 $55,760.24
$4,601.88 $60,362.12
3
$524,116.38 $56,163.68
$4,198.44 $60,362.12
4
$467,546.35 $56,570.03
$3,792.08 $60,362.12
5
$410,567.02 $56,979.33
$3,382.79 $60,362.12
6
$353,175.44 $57,391.58
$2,970.53 $60,362.12
7
$295,368.62 $57,806.82
$2,555.29 $60,362.12
8
$237,143.55 $58,225.07
$2,137.05 $60,362.12
9
$178,497.22 $58,646.34
$1,715.78 $60,362.12
10
$119,426.56 $59,070.65
$1,291.46 $60,362.12
11
$59,928.52 $59,498.04
$864.07 $60,362.12
12
$0.00 $59,928.52
$433.59 $60,362.12
### $32,945.39
###
Comisin estructuracin
Err:522
Err:522

Formula 1 = CUOTA = M ((1+ i ) ^n x i )/ (1+ i ) ^n - 1 )

Formula 2 =

Monto ( Valor Actual) = Cuota x( ( 1 + i ) ^ n - 1)/( ( 1 + i ) ^ n x i)

M=Cx

1 - (1+i) ^-n

i
11.4542043

La presente cotizacin de arrendamiento financiero no constituye un compromiso por parte de Interbank a otorgar el financiamiento. La vigencia de esta propuesta es de 30
das. Las condiciones definitivas bajo las cuales Interbank otorgara el financiamiento estn sujetas al resultado satisfactorio de la evaluacin financiera del cliente y a la
conformidad de la documentacin legal.

COTIZACIN SOBRE OPERACIN DE ARRENDAMIENTO FINANCIERO

CLIENTE :

MOVIL TOURS

Moneda de la Operacin
Precio del Activo
(Incl. IGV)
Cuota Inicial
0.00%
Plazo (N de pagos)
Periodicidad de cuota
Tipo de Activo
Tasa Efectiva Anual
Opcin de Compra (sin IGV)
Comisin de Activacin (sin IGV)

Fecha:
US$
US$

US$
US$

:
:
:
:
:
:
:
:
:

10-May-13

Dlares
4,532,400.00 Activo no incluye seguro
- (*)
30
Cada 30 das calendario
Omnibus
6.50%
1.00
56,655.00

(*) A la Cuota deber adicionarse el Impuesto General a las Ventas vigente en la fecha de pago.
Cuota

Montos en:
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

Saldo Capital

Dlares
3,841,016.95
3,841,016.95
3,722,486.59
3,603,332.56
3,483,551.59
3,363,140.36
3,242,095.56
3,120,413.86
2,998,091.91
2,875,126.34
2,751,513.76
2,627,250.77
2,502,333.95
2,376,759.85
2,250,525.02
2,123,625.98
1,996,059.24
1,867,821.28
1,738,908.57
1,609,317.56
1,479,044.68
1,348,086.35
1,216,438.95
1,084,098.87
951,062.45
817,326.04
682,885.95
547,738.47
411,879.89
275,306.46
138,014.42

Amort.

118,530.36
119,154.03
119,780.98
120,411.23
121,044.80
121,681.70
122,321.95
122,965.57
123,612.58
124,262.99
124,916.82
125,574.10
126,234.83
126,899.04
127,566.74
128,237.96
128,912.71
129,591.01
130,272.88
130,958.33
131,647.40
132,340.08
133,036.42
133,736.41
134,440.09
135,147.48
135,858.58
136,573.43
137,292.04
138,014.42
3,841,016.95

Inters

20,210.26
19,586.59
18,959.63
18,329.38
17,695.82
17,058.92
16,418.66
15,775.04
15,128.04
14,477.62
13,823.79
13,166.52
12,505.78
11,841.57
11,173.87
10,502.65
9,827.90
9,149.61
8,467.74
7,782.28
7,093.22
6,400.53
5,704.20
5,004.20
4,300.52
3,593.14
2,882.03
2,167.19
1,448.58
726.19
321,201.46

Seguro

Cuota (*)

138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
138,740.61
4,162,218.41

BANCO
MONTO
CUOTAS
PERIODICIDAD
TEA
Fecha de
desembolso
Comisin
estructuracin

Interbank
$691,383.05
12
Mensual
7.90%
0.00635634
Jul-13

Err:522

Err:522

Saldo
Principal
Intereses
Cuota
$691,383.05
1 $635,754.37 $55,628.68
$4,394.67 $60,023.35
2 $579,772.09 $55,982.28
$4,041.07 $60,023.35
3 $523,433.97 $56,338.12
$3,685.23 $60,023.35
4 $466,737.75 $56,696.22
$3,327.12 $60,023.35
5 $409,681.15 $57,056.60
$2,966.74 $60,023.35
6 $352,261.87 $57,419.27
$2,604.07 $60,023.35
7 $294,477.62 $57,784.25
$2,239.10 $60,023.35
8 $236,326.07 $58,151.55
$1,871.80 $60,023.35
9 $177,804.89 $58,521.18
$1,502.17 $60,023.35
10 $118,911.73 $58,893.16
$1,130.19 $60,023.35
11 $59,644.23 $59,267.50
$755.84 $60,023.35
12
$0.00 $59,644.23
$379.12 $60,023.35
### $28,897.12
###
Comisin estructuracin
Err:522
Err:522

Formula 1 = CUOTA = M ((1+ i ) ^n x i )/ (1+ i ) ^n - 1 )

Formula 2 =

Monto ( Valor Actual) = Cuota x( ( 1 + i ) ^ n - 1)/( ( 1 + i ) ^ n x i)

M=Cx

1 - (1+i) ^-n

i
11.5185686

BANCO
MONTO
CUOTAS
PERIODICIDAD
TEA
Fecha de
desembolso
Comisin
estructuracin

Interbank
$815,832.00
12
Mensual
7.90%
0.00635634
Jul-13

Err:522

Err:522

Saldo
Principal
Intereses
Cuota
$815,832.00
1 $750,190.16 $65,641.84
$5,185.71 $70,827.55
2 $684,131.07 $66,059.09
$4,768.46 $70,827.55
3 $617,652.09 $66,478.98
$4,348.57 $70,827.55
4 $550,750.54 $66,901.54
$3,926.01 $70,827.55
5 $483,423.75 $67,326.79
$3,500.76 $70,827.55
6 $415,669.01 $67,754.74
$3,072.81 $70,827.55
7 $347,483.59 $68,185.42
$2,642.13 $70,827.55
8 $278,864.76 $68,618.83
$2,208.72 $70,827.55
9 $209,809.77 $69,054.99
$1,772.56 $70,827.55
10 $140,315.85 $69,493.93
$1,333.62 $70,827.55
11 $70,380.19 $69,935.66
$891.90 $70,827.55
12
$0.00 $70,380.19
$447.36 $70,827.55
### $34,098.60
###
Comisin estructuracin
Err:522
Err:522

Formula 1 = CUOTA = M ((1+ i ) ^n x i )/ (1+ i ) ^n - 1 )

Formula 2 =

Monto ( Valor Actual) = Cuota x( ( 1 + i ) ^ n - 1)/( ( 1 + i ) ^ n x i)

M=Cx

1 - (1+i) ^-n

i
11.5185686