Crédito PEN 20,000 a 5 años al 10% — Perú
Simula un préstamo de PEN 20,000 a 5 años con tasa del 10% anual en Perú. Tabla de amortización francesa y alemana.
Sistema Francés
- Cuota mensual:
- S/ 425
- Total a pagar:
- S/ 25,496
- Total intereses:
- S/ 5,496
Sistema Alemán
- Primera cuota:
- S/ 500
- Total a pagar:
- S/ 25,083
- Total intereses:
- S/ 5,083
Personaliza tu Simulación
Configura tu Préstamo
Sistema Francés (cuota fija)
Cuota mensual:S/ 425
Total a pagar:S/ 25,496
Total intereses:S/ 5,496
Sistema Alemán (capital fijo)
Primera cuota:S/ 500
Total a pagar:S/ 25,083
Total intereses:S/ 5,083
Evolución del Préstamo
Cargando gráfico…
Tabla de Amortización
| Mes | Fecha | Cuota | Capital | Interés | Saldo | Interés Acum. | Capital Acum. |
|---|---|---|---|---|---|---|---|
| 1 | 2026-05-27 | S/ 425 | S/ 258 | S/ 167 | S/ 19,742 | S/ 167 | S/ 258 |
| 2 | 2026-06-27 | S/ 425 | S/ 260 | S/ 165 | S/ 19,481 | S/ 331 | S/ 519 |
| 3 | 2026-07-27 | S/ 425 | S/ 263 | S/ 162 | S/ 19,219 | S/ 494 | S/ 781 |
| 4 | 2026-08-27 | S/ 425 | S/ 265 | S/ 160 | S/ 18,954 | S/ 654 | S/ 1,046 |
| 5 | 2026-09-27 | S/ 425 | S/ 267 | S/ 158 | S/ 18,687 | S/ 812 | S/ 1,313 |
| 6 | 2026-10-27 | S/ 425 | S/ 269 | S/ 156 | S/ 18,418 | S/ 967 | S/ 1,582 |
| 7 | 2026-11-27 | S/ 425 | S/ 271 | S/ 153 | S/ 18,146 | S/ 1,121 | S/ 1,854 |
| 8 | 2026-12-27 | S/ 425 | S/ 274 | S/ 151 | S/ 17,873 | S/ 1,272 | S/ 2,127 |
| 9 | 2027-01-27 | S/ 425 | S/ 276 | S/ 149 | S/ 17,597 | S/ 1,421 | S/ 2,403 |
| 10 | 2027-02-27 | S/ 425 | S/ 278 | S/ 147 | S/ 17,318 | S/ 1,568 | S/ 2,682 |
| 11 | 2027-03-27 | S/ 425 | S/ 281 | S/ 144 | S/ 17,038 | S/ 1,712 | S/ 2,962 |
| 12 | 2027-04-27 | S/ 425 | S/ 283 | S/ 142 | S/ 16,755 | S/ 1,854 | S/ 3,245 |
| 13 | 2027-05-27 | S/ 425 | S/ 285 | S/ 140 | S/ 16,469 | S/ 1,994 | S/ 3,531 |
| 14 | 2027-06-27 | S/ 425 | S/ 288 | S/ 137 | S/ 16,182 | S/ 2,131 | S/ 3,818 |
| 15 | 2027-07-27 | S/ 425 | S/ 290 | S/ 135 | S/ 15,892 | S/ 2,266 | S/ 4,108 |
| 16 | 2027-08-27 | S/ 425 | S/ 293 | S/ 132 | S/ 15,599 | S/ 2,398 | S/ 4,401 |
| 17 | 2027-09-27 | S/ 425 | S/ 295 | S/ 130 | S/ 15,304 | S/ 2,528 | S/ 4,696 |
| 18 | 2027-10-27 | S/ 425 | S/ 297 | S/ 128 | S/ 15,007 | S/ 2,656 | S/ 4,993 |
| 19 | 2027-11-27 | S/ 425 | S/ 300 | S/ 125 | S/ 14,707 | S/ 2,781 | S/ 5,293 |
| 20 | 2027-12-27 | S/ 425 | S/ 302 | S/ 123 | S/ 14,404 | S/ 2,903 | S/ 5,596 |
| 21 | 2028-01-27 | S/ 425 | S/ 305 | S/ 120 | S/ 14,099 | S/ 3,023 | S/ 5,901 |
| 22 | 2028-02-27 | S/ 425 | S/ 307 | S/ 118 | S/ 13,792 | S/ 3,141 | S/ 6,208 |
| 23 | 2028-03-27 | S/ 425 | S/ 310 | S/ 115 | S/ 13,482 | S/ 3,256 | S/ 6,518 |
| 24 | 2028-04-27 | S/ 425 | S/ 313 | S/ 112 | S/ 13,169 | S/ 3,368 | S/ 6,831 |
| 25 | 2028-05-27 | S/ 425 | S/ 315 | S/ 110 | S/ 12,854 | S/ 3,478 | S/ 7,146 |
| 26 | 2028-06-27 | S/ 425 | S/ 318 | S/ 107 | S/ 12,536 | S/ 3,585 | S/ 7,464 |
| 27 | 2028-07-27 | S/ 425 | S/ 320 | S/ 104 | S/ 12,216 | S/ 3,689 | S/ 7,784 |
| 28 | 2028-08-27 | S/ 425 | S/ 323 | S/ 102 | S/ 11,893 | S/ 3,791 | S/ 8,107 |
| 29 | 2028-09-27 | S/ 425 | S/ 326 | S/ 99 | S/ 11,567 | S/ 3,890 | S/ 8,433 |
| 30 | 2028-10-27 | S/ 425 | S/ 329 | S/ 96 | S/ 11,238 | S/ 3,987 | S/ 8,762 |
| 31 | 2028-11-27 | S/ 425 | S/ 331 | S/ 94 | S/ 10,907 | S/ 4,080 | S/ 9,093 |
| 32 | 2028-12-27 | S/ 425 | S/ 334 | S/ 91 | S/ 10,573 | S/ 4,171 | S/ 9,427 |
| 33 | 2029-01-27 | S/ 425 | S/ 337 | S/ 88 | S/ 10,236 | S/ 4,259 | S/ 9,764 |
| 34 | 2029-02-27 | S/ 425 | S/ 340 | S/ 85 | S/ 9,897 | S/ 4,345 | S/ 10,103 |
| 35 | 2029-03-27 | S/ 425 | S/ 342 | S/ 82 | S/ 9,554 | S/ 4,427 | S/ 10,446 |
| 36 | 2029-04-27 | S/ 425 | S/ 345 | S/ 80 | S/ 9,209 | S/ 4,507 | S/ 10,791 |
| 37 | 2029-05-27 | S/ 425 | S/ 348 | S/ 77 | S/ 8,861 | S/ 4,583 | S/ 11,139 |
| 38 | 2029-06-27 | S/ 425 | S/ 351 | S/ 74 | S/ 8,510 | S/ 4,657 | S/ 11,490 |
| 39 | 2029-07-27 | S/ 425 | S/ 354 | S/ 71 | S/ 8,156 | S/ 4,728 | S/ 11,845 |
| 40 | 2029-08-27 | S/ 425 | S/ 357 | S/ 68 | S/ 7,799 | S/ 4,796 | S/ 12,201 |
| 41 | 2029-09-27 | S/ 425 | S/ 360 | S/ 65 | S/ 7,439 | S/ 4,861 | S/ 12,561 |
| 42 | 2029-10-27 | S/ 425 | S/ 363 | S/ 62 | S/ 7,076 | S/ 4,923 | S/ 12,924 |
| 43 | 2029-11-27 | S/ 425 | S/ 366 | S/ 59 | S/ 6,710 | S/ 4,982 | S/ 13,290 |
| 44 | 2029-12-27 | S/ 425 | S/ 369 | S/ 56 | S/ 6,341 | S/ 5,038 | S/ 13,659 |
| 45 | 2030-01-27 | S/ 425 | S/ 372 | S/ 53 | S/ 5,969 | S/ 5,091 | S/ 14,031 |
| 46 | 2030-02-27 | S/ 425 | S/ 375 | S/ 50 | S/ 5,593 | S/ 5,141 | S/ 14,407 |
| 47 | 2030-03-27 | S/ 425 | S/ 378 | S/ 47 | S/ 5,215 | S/ 5,187 | S/ 14,785 |
| 48 | 2030-04-27 | S/ 425 | S/ 381 | S/ 43 | S/ 4,833 | S/ 5,231 | S/ 15,167 |
| 49 | 2030-05-27 | S/ 425 | S/ 385 | S/ 40 | S/ 4,449 | S/ 5,271 | S/ 15,551 |
| 50 | 2030-06-27 | S/ 425 | S/ 388 | S/ 37 | S/ 4,061 | S/ 5,308 | S/ 15,939 |
| 51 | 2030-07-27 | S/ 425 | S/ 391 | S/ 34 | S/ 3,670 | S/ 5,342 | S/ 16,330 |
| 52 | 2030-08-27 | S/ 425 | S/ 394 | S/ 31 | S/ 3,276 | S/ 5,372 | S/ 16,724 |
| 53 | 2030-09-27 | S/ 425 | S/ 398 | S/ 27 | S/ 2,878 | S/ 5,400 | S/ 17,122 |
| 54 | 2030-10-27 | S/ 425 | S/ 401 | S/ 24 | S/ 2,477 | S/ 5,424 | S/ 17,523 |
| 55 | 2030-11-27 | S/ 425 | S/ 404 | S/ 21 | S/ 2,073 | S/ 5,444 | S/ 17,927 |
| 56 | 2030-12-27 | S/ 425 | S/ 408 | S/ 17 | S/ 1,665 | S/ 5,462 | S/ 18,335 |
| 57 | 2031-01-27 | S/ 425 | S/ 411 | S/ 14 | S/ 1,254 | S/ 5,476 | S/ 18,746 |
| 58 | 2031-02-27 | S/ 425 | S/ 414 | S/ 10 | S/ 839 | S/ 5,486 | S/ 19,161 |
| 59 | 2031-03-27 | S/ 425 | S/ 418 | S/ 7 | S/ 421 | S/ 5,493 | S/ 19,579 |
| 60 | 2031-04-27 | S/ 425 | S/ 421 | S/ 4 | S/ 0 | S/ 5,496 | S/ 20,000 |
Guías Relacionadas
Preguntas Frecuentes
¿Cuánto pago mensualmente por S/ 20,000 a 10% en 5 años?
Con sistema francés pagarás S/ 425 por mes. Con sistema alemán, la primera cuota es S/ 500 y va disminuyendo.
¿Cuánto es el total de intereses del crédito?
Sistema francés: S/ 5,496 en intereses totales. Sistema alemán: S/ 5,083 en intereses totales.
¿Qué sistema de amortización conviene en Perú?
Depende de tu flujo de caja. El sistema francés ofrece cuota fija. El sistema alemán tiene mayor primera cuota pero menor costo total.