Crédito PEN 20,000 a 5 años al 15% — Perú
Simula un préstamo de PEN 20,000 a 5 años con tasa del 15% anual en Perú. Tabla de amortización francesa y alemana.
Sistema Francés
- Cuota mensual:
- S/ 476
- Total a pagar:
- S/ 28,548
- Total intereses:
- S/ 8,548
Sistema Alemán
- Primera cuota:
- S/ 583
- Total a pagar:
- S/ 27,625
- Total intereses:
- S/ 7,625
Personaliza tu Simulación
Configura tu Préstamo
Sistema Francés (cuota fija)
Cuota mensual:S/ 476
Total a pagar:S/ 28,548
Total intereses:S/ 8,548
Sistema Alemán (capital fijo)
Primera cuota:S/ 583
Total a pagar:S/ 27,625
Total intereses:S/ 7,625
Evolución del Préstamo
Cargando gráfico…
Tabla de Amortización
| Mes | Fecha | Cuota | Capital | Interés | Saldo | Interés Acum. | Capital Acum. |
|---|---|---|---|---|---|---|---|
| 1 | 2026-05-27 | S/ 476 | S/ 226 | S/ 250 | S/ 19,774 | S/ 250 | S/ 226 |
| 2 | 2026-06-27 | S/ 476 | S/ 229 | S/ 247 | S/ 19,546 | S/ 497 | S/ 454 |
| 3 | 2026-07-27 | S/ 476 | S/ 231 | S/ 244 | S/ 19,314 | S/ 742 | S/ 686 |
| 4 | 2026-08-27 | S/ 476 | S/ 234 | S/ 241 | S/ 19,080 | S/ 983 | S/ 920 |
| 5 | 2026-09-27 | S/ 476 | S/ 237 | S/ 239 | S/ 18,842 | S/ 1,221 | S/ 1,158 |
| 6 | 2026-10-27 | S/ 476 | S/ 240 | S/ 236 | S/ 18,602 | S/ 1,457 | S/ 1,398 |
| 7 | 2026-11-27 | S/ 476 | S/ 243 | S/ 233 | S/ 18,359 | S/ 1,689 | S/ 1,641 |
| 8 | 2026-12-27 | S/ 476 | S/ 246 | S/ 229 | S/ 18,113 | S/ 1,919 | S/ 1,887 |
| 9 | 2027-01-27 | S/ 476 | S/ 249 | S/ 226 | S/ 17,863 | S/ 2,145 | S/ 2,137 |
| 10 | 2027-02-27 | S/ 476 | S/ 253 | S/ 223 | S/ 17,611 | S/ 2,369 | S/ 2,389 |
| 11 | 2027-03-27 | S/ 476 | S/ 256 | S/ 220 | S/ 17,355 | S/ 2,589 | S/ 2,645 |
| 12 | 2027-04-27 | S/ 476 | S/ 259 | S/ 217 | S/ 17,096 | S/ 2,806 | S/ 2,904 |
| 13 | 2027-05-27 | S/ 476 | S/ 262 | S/ 214 | S/ 16,834 | S/ 3,019 | S/ 3,166 |
| 14 | 2027-06-27 | S/ 476 | S/ 265 | S/ 210 | S/ 16,569 | S/ 3,230 | S/ 3,431 |
| 15 | 2027-07-27 | S/ 476 | S/ 269 | S/ 207 | S/ 16,300 | S/ 3,437 | S/ 3,700 |
| 16 | 2027-08-27 | S/ 476 | S/ 272 | S/ 204 | S/ 16,028 | S/ 3,641 | S/ 3,972 |
| 17 | 2027-09-27 | S/ 476 | S/ 275 | S/ 200 | S/ 15,752 | S/ 3,841 | S/ 4,248 |
| 18 | 2027-10-27 | S/ 476 | S/ 279 | S/ 197 | S/ 15,474 | S/ 4,038 | S/ 4,526 |
| 19 | 2027-11-27 | S/ 476 | S/ 282 | S/ 193 | S/ 15,191 | S/ 4,231 | S/ 4,809 |
| 20 | 2027-12-27 | S/ 476 | S/ 286 | S/ 190 | S/ 14,905 | S/ 4,421 | S/ 5,095 |
| 21 | 2028-01-27 | S/ 476 | S/ 289 | S/ 186 | S/ 14,616 | S/ 4,608 | S/ 5,384 |
| 22 | 2028-02-27 | S/ 476 | S/ 293 | S/ 183 | S/ 14,323 | S/ 4,790 | S/ 5,677 |
| 23 | 2028-03-27 | S/ 476 | S/ 297 | S/ 179 | S/ 14,026 | S/ 4,969 | S/ 5,974 |
| 24 | 2028-04-27 | S/ 476 | S/ 300 | S/ 175 | S/ 13,725 | S/ 5,145 | S/ 6,275 |
| 25 | 2028-05-27 | S/ 476 | S/ 304 | S/ 172 | S/ 13,421 | S/ 5,316 | S/ 6,579 |
| 26 | 2028-06-27 | S/ 476 | S/ 308 | S/ 168 | S/ 13,113 | S/ 5,484 | S/ 6,887 |
| 27 | 2028-07-27 | S/ 476 | S/ 312 | S/ 164 | S/ 12,801 | S/ 5,648 | S/ 7,199 |
| 28 | 2028-08-27 | S/ 476 | S/ 316 | S/ 160 | S/ 12,486 | S/ 5,808 | S/ 7,514 |
| 29 | 2028-09-27 | S/ 476 | S/ 320 | S/ 156 | S/ 12,166 | S/ 5,964 | S/ 7,834 |
| 30 | 2028-10-27 | S/ 476 | S/ 324 | S/ 152 | S/ 11,842 | S/ 6,116 | S/ 8,158 |
| 31 | 2028-11-27 | S/ 476 | S/ 328 | S/ 148 | S/ 11,514 | S/ 6,264 | S/ 8,486 |
| 32 | 2028-12-27 | S/ 476 | S/ 332 | S/ 144 | S/ 11,182 | S/ 6,408 | S/ 8,818 |
| 33 | 2029-01-27 | S/ 476 | S/ 336 | S/ 140 | S/ 10,846 | S/ 6,548 | S/ 9,154 |
| 34 | 2029-02-27 | S/ 476 | S/ 340 | S/ 136 | S/ 10,506 | S/ 6,683 | S/ 9,494 |
| 35 | 2029-03-27 | S/ 476 | S/ 344 | S/ 131 | S/ 10,162 | S/ 6,815 | S/ 9,838 |
| 36 | 2029-04-27 | S/ 476 | S/ 349 | S/ 127 | S/ 9,813 | S/ 6,942 | S/ 10,187 |
| 37 | 2029-05-27 | S/ 476 | S/ 353 | S/ 123 | S/ 9,460 | S/ 7,064 | S/ 10,540 |
| 38 | 2029-06-27 | S/ 476 | S/ 358 | S/ 118 | S/ 9,102 | S/ 7,183 | S/ 10,898 |
| 39 | 2029-07-27 | S/ 476 | S/ 362 | S/ 114 | S/ 8,740 | S/ 7,296 | S/ 11,260 |
| 40 | 2029-08-27 | S/ 476 | S/ 367 | S/ 109 | S/ 8,374 | S/ 7,406 | S/ 11,626 |
| 41 | 2029-09-27 | S/ 476 | S/ 371 | S/ 105 | S/ 8,003 | S/ 7,510 | S/ 11,997 |
| 42 | 2029-10-27 | S/ 476 | S/ 376 | S/ 100 | S/ 7,627 | S/ 7,610 | S/ 12,373 |
| 43 | 2029-11-27 | S/ 476 | S/ 380 | S/ 95 | S/ 7,246 | S/ 7,706 | S/ 12,754 |
| 44 | 2029-12-27 | S/ 476 | S/ 385 | S/ 91 | S/ 6,861 | S/ 7,796 | S/ 13,139 |
| 45 | 2030-01-27 | S/ 476 | S/ 390 | S/ 86 | S/ 6,471 | S/ 7,882 | S/ 13,529 |
| 46 | 2030-02-27 | S/ 476 | S/ 395 | S/ 81 | S/ 6,076 | S/ 7,963 | S/ 13,924 |
| 47 | 2030-03-27 | S/ 476 | S/ 400 | S/ 76 | S/ 5,676 | S/ 8,039 | S/ 14,324 |
| 48 | 2030-04-27 | S/ 476 | S/ 405 | S/ 71 | S/ 5,272 | S/ 8,110 | S/ 14,728 |
| 49 | 2030-05-27 | S/ 476 | S/ 410 | S/ 66 | S/ 4,862 | S/ 8,176 | S/ 15,138 |
| 50 | 2030-06-27 | S/ 476 | S/ 415 | S/ 61 | S/ 4,447 | S/ 8,237 | S/ 15,553 |
| 51 | 2030-07-27 | S/ 476 | S/ 420 | S/ 56 | S/ 4,026 | S/ 8,292 | S/ 15,974 |
| 52 | 2030-08-27 | S/ 476 | S/ 425 | S/ 50 | S/ 3,601 | S/ 8,342 | S/ 16,399 |
| 53 | 2030-09-27 | S/ 476 | S/ 431 | S/ 45 | S/ 3,170 | S/ 8,387 | S/ 16,830 |
| 54 | 2030-10-27 | S/ 476 | S/ 436 | S/ 40 | S/ 2,734 | S/ 8,427 | S/ 17,266 |
| 55 | 2030-11-27 | S/ 476 | S/ 442 | S/ 34 | S/ 2,292 | S/ 8,461 | S/ 17,708 |
| 56 | 2030-12-27 | S/ 476 | S/ 447 | S/ 29 | S/ 1,845 | S/ 8,490 | S/ 18,155 |
| 57 | 2031-01-27 | S/ 476 | S/ 453 | S/ 23 | S/ 1,392 | S/ 8,513 | S/ 18,608 |
| 58 | 2031-02-27 | S/ 476 | S/ 458 | S/ 17 | S/ 934 | S/ 8,530 | S/ 19,066 |
| 59 | 2031-03-27 | S/ 476 | S/ 464 | S/ 12 | S/ 470 | S/ 8,542 | S/ 19,530 |
| 60 | 2031-04-27 | S/ 476 | S/ 470 | S/ 6 | S/ 0 | S/ 8,548 | S/ 20,000 |
Guías Relacionadas
Preguntas Frecuentes
¿Cuánto pago mensualmente por S/ 20,000 a 15% en 5 años?
Con sistema francés pagarás S/ 476 por mes. Con sistema alemán, la primera cuota es S/ 583 y va disminuyendo.
¿Cuánto es el total de intereses del crédito?
Sistema francés: S/ 8,548 en intereses totales. Sistema alemán: S/ 7,625 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.