ANALISIS ECONOMICO

UNIVERSIDAD NACIONAL DE INGENIERÍA

FACULTAD DE INGENIERÍA INDUSTRIAL Y SISTEMAS

ESCUELA PROFESIONAL DE INGENIERÍA INDUSTRIAL

ÁREA DE GESTIÓN DE LA PRODUCCIÓN

TRABAJO MONOGRÁFICO

MANUAL DEL PROMOTOR DEL CRÉDITO MI VIVIENDA

CURSO: ANÁLISIS ECONÓMICO EN LA INGENIERÍA GP 234

PROFESOR: ING. DANIEL VALDIVIA CÁRDENAS

ALUMNOS:

FECHA DE PRESENTACIÓN: 30 DE JUNIO DE 2015

2015 - I

CONTENIDO

MANUAL DEL PROMOTOR DEL CRÉDITO MI VIVIENDA

Requisitos generales

Tasas de interés, comisiones y seguros

Por precio de la vivienda

Por sueldo, cuota máxima a pagar

MANUAL DEL PROMOTOR DEL CRÉDITO MI VIVIENDA

REQUISITOS GENERALES

• Préstamo para adquirir casas o departamentos siempre que el valor de venta se encuentre entre 14 y 70 Unidades Impositivas Tributarias (UIT).

• Tasa de crédito fija por todo el periodo del préstamo.

• Préstamo en soles.

• Plazos disponibles: De 10 a 20 años.

• Monto Mínimo de financiamiento: desde 9.8 UIT.

• Monto Máximo de financiamiento: hasta 63 UIT.

• Porcentaje de financiamiento: Hasta 90% del valor del inmueble.

• Seguros obligatorios de desgravamen y seguro del bien competitivos, con costos por debajo del promedio del mercado, lo que permite ofrecer la cuota hipotecaria más baja.

• Es facultad del beneficiario elegir libremente la empresa prestadora de seguros originados por el Subpréstamo.

• Descuento desde la primera cuota por el Premio al Buen Pagador de S/.12,500 o S/.5,000 (dependiendo del valor de vivienda a comprar) para premiar la puntualidad en tus pagos.

TASAS DE INTERÉS, COMISIONES Y SEGUROS

Entidad Financiera Costos de Mantenimiento (mensual) Seguro Desgravamen (mancomunado) Seguro de inmueble TEA Intervalos

Mi Banco S/. 0.00 0.085% 0.062% 9.800% S/. 36,260.00 S/. 233,100.00

Hipotecaria SURA S/. 3.50 0.041% 0.019% 15.250% S/. 1.00 S/. 80,000.00

14.750% S/. 80,001.00 S/. 160,000.00

14.150% S/. 160,001.00 S/. 233,100.00

CRAC Credinka S/. 9.00 0.069% 0.024% 11.700% S/. 34,200.00 S/. 49,999.00

10.650% S/. 50,000.00 S/. 89,999.00

10.100% S/. 90,000.00 S/. 239,400.00

Banco Continental S/. 8.50 0.043% 0.025% 10.500% S/. 37,240.00 S/. 94,999.00

9.900% S/. 95,000.00 S/. 239,400.00

Edpyme Mi Casita S/. 0.00 0.070% 0.023% 10.750% S/. 37,240.00 S/. 52,060.00

10.350% S/. 52,061.00 S/. 92,720.00

9.900% S/. 92,721.00 S/. 239,400.00

Interbank S/. 10.00 0.065% 0.030% 16.000% S/. 37,240.00 S/. 85,000.00

15.000% S/. 85,001.00 S/. 165,000.00

14.000% S/. 165,001.00 S/. 239,400.00

Banco Financiero S/. 10.00 0.080% 0.026% 10.300% S/. 1.00 S/. 50,000.00

10.100% S/. 50,000.00 S/. 100,000.00

9.800% S/. 100,001.00 S/. 200,000.00

9.500% S/. 200,001.00 S/. 233,100.00

Scotiabank S/. 9.00 0.060% 0.023% 13.000% S/. 37,240.00 S/. 89,999.00

12.000% S/. 90,000.00 S/. 239,400.00

BANBIF S/. 9.00 0.111% 0.031% 10.500% S/. 36,260.00 S/. 89,999.00

9.900% S/. 90,000.00 S/. 164,999.00

9.600% S/. 165,000.00 S/. 233,100.00

Banco de Comercio S/. 7.00 0.092% 0.025% 12.000% S/. 40,880.00 S/. 182,500.00

CMAC Huancayo S/. 0.00 0.033% 0.025% 13.000% S/. 37,240.00 S/. 90,000.00

12.680% S/. 90,001.00 S/. 239,400.00

Caja Metropolitana de Lima S/. 11.50 0.072% 0.033% 13.000% S/. 37,249.00 S/. 239,400.00

CMAC Trujillo S/. 10.00 0.050% 0.034% 16.100% S/. 36,260.00 S/. 233,100.00

POR PRECIO DE LA VIVIENDA

Precio de vivienda S/. 55,000.00 Monto del Préstamo S/. 49,500.00

Cuota inicial 10% Bono Buen Pagador S/. 12,500.00

Valor de inicial S/. 5,500.00 Tramo No Concesional S/. 37,000.00

Plazo del Préstamo 10 años

Entidad Financiera TEA Cuota Normal Sueldo Mínimo TCEA Cuota Buen Pagador Sueldo Mínimo TCEA

Mi Banco 9.80% S/. 713.60 S/. 2,038.84 12.82% S/. 552.63 S/. 1,578.94 6.30%

Hipotecaria SURA 15.25% S/. 811.10 S/. 2,317.42 16.55% S/. 614.92 S/. 1,756.92 8.89%

CRAC Credinka 11.70% S/. 741.47 S/. 2,118.48 13.89% S/. 568.46 S/. 1,624.17 6.97%

Banco Continental 10.50% S/. 698.40 S/. 1,995.43 12.22% S/. 533.03 S/. 1,522.94 5.46%

Edpyme Mi Casita 10.75% S/. 708.43 S/. 2,024.09 12.61% S/. 541.48 S/. 1,547.08 5.82%

Interbank 16.00% S/. 855.29 S/. 2,443.68 18.20% S/. 654.12 S/. 1,868.92 10.47%

Banco Financiero 10.30% S/. 713.76 S/. 2,039.33 12.82% S/. 549.66 S/. 1,570.45 6.17%

Scotiabank 13.00% S/. 769.69 S/. 2,199.11 14.98% S/. 588.29 S/. 1,680.83 7.79%

BANBIF 10.50% S/. 735.86 S/. 2,102.45 13.68% S/. 570.49 S/. 1,629.97 7.05%

Banco de Comercio 12.00% S/. 759.03 S/. 2,168.65 14.57% S/. 584.09 S/. 1,668.84 7.62%

CMAC Huancayo 13.00% S/. 748.42 S/. 2,138.35 14.16% S/. 567.02 S/. 1,620.07 6.91%

Caja Metrop. de Lima 13.00% S/. 783.63 S/. 2,238.94 15.51% S/. 602.23 S/. 1,720.66 8.37%

CMAC Trujillo 16.10% S/. 852.71 S/. 2,436.31 18.11% S/. 650.87 S/. 1,859.64 10.34%

Plazo del Préstamo 15 años

Entidad Financiera TEA Cuota Normal Sueldo Mínimo TCEA Cuota Buen Pagador Sueldo Mínimo TCEA

Mi Banco 9.80% S/. 589.65 S/. 1,684.72 12.53% S/. 459.99 S/. 1,314.25 7.81%

Hipotecaria SURA 15.25% S/. 702.72 S/. 2,007.76 16.41% S/. 533.91 S/. 1,525.46 10.54%

CRAC Credinka 11.70% S/. 622.58 S/. 1,778.79 13.67% S/. 479.59 S/. 1,370.26 8.55%

Banco Continental 10.50% S/. 576.26 S/. 1,646.45 12.06% S/. 441.73 S/. 1,262.09 7.11%

Edpyme Mi Casita 10.75% S/. 586.95 S/. 1,677.00 12.43% S/. 450.67 S/. 1,287.64 7.45%

Interbank 16.00% S/. 749.24 S/. 2,140.69 17.97% S/. 574.85 S/. 1,642.44 12.01%

Banco Financiero 10.30% S/. 591.10 S/. 1,688.86 12.58% S/. 457.97 S/. 1,308.48 7.73%

Scotiabank 13.00% S/. 654.51 S/. 1,870.04 14.77% S/. 502.20 S/. 1,434.86 9.39%

BANBIF 10.50% S/. 613.72 S/. 1,753.48 13.37% S/. 479.19 S/. 1,369.12 8.53%

Banco de Comercio 12.00% S/. 640.98 S/. 1,831.37 14.31% S/. 495.86 S/. 1,416.73 9.15%

CMAC Huancayo 13.00% S/. 633.25 S/. 1,809.28 14.04% S/. 480.93 S/. 1,374.10 8.60%

Caja Metrop. de Lima 13.00% S/. 668.45 S/. 1,909.87 15.25% S/. 516.14 S/. 1,474.69 9.90%

CMAC Trujillo 16.10% S/. 746.97 S/. 2,134.20 17.89% S/. 571.84 S/. 1,633.83 11.90%

Plazo del Préstamo 20 años

Entidad Financiera TEA Cuota Normal Sueldo Mínimo TCEA Cuota Buen Pagador Sueldo Mínimo TCEA

Mi Banco 9.80% S/. 533.89 S/. 1,525.39 12.32% S/. 418.30 S/. 1,195.15 8.45%

Hipotecaria SURA 15.25% S/. 659.79 S/. 1,885.12 16.33% S/. 501.83 S/. 1,433.79 11.27%

CRAC Credinka 11.70% S/. 571.20 S/. 1,631.99 13.52% S/. 441.19 S/. 1,260.53 9.24%

Banco Continental 10.50% S/. 522.08 S/. 1,491.66 11.94% S/. 401.24 S/. 1,146.39 7.85%

Edpyme Mi Casita 10.75% S/. 533.35 S/. 1,523.85 12.30% S/. 410.61 S/. 1,173.17 8.18%

Interbank 16.00% S/. 708.08 S/. 2,023.08 17.83% S/. 544.09 S/. 1,554.54 12.65%

Banco Financiero 10.30% S/. 536.47 S/. 1,532.76 12.40% S/. 417.13 S/. 1,191.80 8.41%

Scotiabank 13.00% S/. 606.23 S/. 1,732.08 14.64% S/. 466.11 S/. 1,331.73 10.08%

BANBIF 10.50% S/. 559.54 S/. 1,598.69 13.15% S/. 438.70 S/. 1,253.41 9.15%

Banco de Comercio 12.00% S/. 590.31 S/. 1,686.60 14.13% S/. 457.98 S/. 1,308.52 9.81%

CMAC Huancayo 13.00% S/. 584.96 S/. 1,671.32 13.96% S/. 444.84 S/. 1,270.98 9.36%

Caja Metrop. de Lima 13.00% S/. 620.17 S/. 1,771.91 15.08% S/. 480.05 S/. 1,371.56 10.55%

CMAC Trujillo 16.10% S/. 706.04 S/. 2,017.27 17.77% S/. 541.25 S/. 1,546.42 12.56%

Precio de vivienda S/. 55,000.00 Monto del Préstamo S/. 44,000.00

Cuota inicial 20% Bono Buen Pagador S/. 12,500.00

Valor de inicial S/. 11,000.00 Tramo No Concesional S/. 31,500.00

Plazo del Préstamo 10 años

Entidad Financiera TEA Cuota Normal Sueldo Mínimo TCEA Cuota Buen Pagador Sueldo Mínimo TCEA

Mi Banco 9.80% S/. 638.10 S/. 1,823.13 12.98% S/. 477.13 S/. 1,363.23 5.62%

Hipotecaria SURA 15.25% S/. 722.53 S/. 2,064.36 16.61% S/. 526.35 S/. 1,503.86 7.95%

CRAC Credinka 11.70% S/. 661.55 S/. 1,890.14 14.00% S/. 488.54 S/. 1,395.83 6.17%

Banco Continental 10.50% S/. 623.27 S/. 1,780.78 12.33% S/. 457.90 S/. 1,308.29 4.69%

Edpyme Mi Casita 10.75% S/. 631.12 S/. 1,803.20 12.68% S/. 464.17 S/. 1,326.20 4.99%

Interbank 16.00% S/. 763.20 S/. 2,180.57 18.33% S/. 562.04 S/. 1,605.82 9.59%

...