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CalculaSimpleby QuantiSentry

Hipoteca / crédito hipotecario

Estima la mensualidad hipotecaria y el cuadro de amortización a partir del precio y el enganche.

Revisado: 2026-09-21

Notaría, impuestos u otros gastos que se suman al coste total (orientativo).

Resultado

Cuota mensual

S/ 3,239.01

Importe financiado
S/ 360,000.00
Intereses totales
S/ 417,364.70
Costo total
S/ 867,364.70
Precio del inmueble
S/ 450,000.00
Cuota inicial
S/ 90,000.00
Gastos opcionales
S/ 0.00

Desglose

Tabla de amortización

PeriodoCuotaInteresesCapitalSaldo
1S/ 3,239.01S/ 2,700.00S/ 539.01S/ 359,460.99
2S/ 3,239.01S/ 2,695.96S/ 543.05S/ 358,917.94
3S/ 3,239.01S/ 2,691.88S/ 547.13S/ 358,370.81
4S/ 3,239.01S/ 2,687.78S/ 551.23S/ 357,819.58
5S/ 3,239.01S/ 2,683.65S/ 555.36S/ 357,264.22
6S/ 3,239.01S/ 2,679.48S/ 559.53S/ 356,704.69
7S/ 3,239.01S/ 2,675.29S/ 563.72S/ 356,140.97
8S/ 3,239.01S/ 2,671.06S/ 567.95S/ 355,573.02
9S/ 3,239.01S/ 2,666.80S/ 572.21S/ 355,000.81
10S/ 3,239.01S/ 2,662.51S/ 576.50S/ 354,424.31
11S/ 3,239.01S/ 2,658.18S/ 580.83S/ 353,843.48
12S/ 3,239.01S/ 2,653.83S/ 585.18S/ 353,258.30
13S/ 3,239.01S/ 2,649.44S/ 589.57S/ 352,668.73
14S/ 3,239.01S/ 2,645.02S/ 593.99S/ 352,074.74
15S/ 3,239.01S/ 2,640.56S/ 598.45S/ 351,476.29
16S/ 3,239.01S/ 2,636.07S/ 602.94S/ 350,873.35
17S/ 3,239.01S/ 2,631.55S/ 607.46S/ 350,265.89
18S/ 3,239.01S/ 2,626.99S/ 612.02S/ 349,653.87
19S/ 3,239.01S/ 2,622.40S/ 616.61S/ 349,037.26
20S/ 3,239.01S/ 2,617.78S/ 621.23S/ 348,416.03
21S/ 3,239.01S/ 2,613.12S/ 625.89S/ 347,790.14
22S/ 3,239.01S/ 2,608.43S/ 630.58S/ 347,159.56
23S/ 3,239.01S/ 2,603.70S/ 635.31S/ 346,524.25
24S/ 3,239.01S/ 2,598.93S/ 640.08S/ 345,884.17
25S/ 3,239.01S/ 2,594.13S/ 644.88S/ 345,239.29
26S/ 3,239.01S/ 2,589.29S/ 649.72S/ 344,589.57
27S/ 3,239.01S/ 2,584.42S/ 654.59S/ 343,934.98
28S/ 3,239.01S/ 2,579.51S/ 659.50S/ 343,275.48
29S/ 3,239.01S/ 2,574.57S/ 664.44S/ 342,611.04
30S/ 3,239.01S/ 2,569.58S/ 669.43S/ 341,941.61
31S/ 3,239.01S/ 2,564.56S/ 674.45S/ 341,267.16
32S/ 3,239.01S/ 2,559.50S/ 679.51S/ 340,587.65
33S/ 3,239.01S/ 2,554.41S/ 684.60S/ 339,903.05
34S/ 3,239.01S/ 2,549.27S/ 689.74S/ 339,213.31
35S/ 3,239.01S/ 2,544.10S/ 694.91S/ 338,518.40
36S/ 3,239.01S/ 2,538.89S/ 700.12S/ 337,818.28
37S/ 3,239.01S/ 2,533.64S/ 705.37S/ 337,112.91
38S/ 3,239.01S/ 2,528.35S/ 710.66S/ 336,402.25
39S/ 3,239.01S/ 2,523.02S/ 715.99S/ 335,686.26
40S/ 3,239.01S/ 2,517.65S/ 721.36S/ 334,964.90
41S/ 3,239.01S/ 2,512.24S/ 726.77S/ 334,238.13
42S/ 3,239.01S/ 2,506.79S/ 732.22S/ 333,505.91
43S/ 3,239.01S/ 2,501.29S/ 737.72S/ 332,768.19
44S/ 3,239.01S/ 2,495.76S/ 743.25S/ 332,024.94
45S/ 3,239.01S/ 2,490.19S/ 748.82S/ 331,276.12
46S/ 3,239.01S/ 2,484.57S/ 754.44S/ 330,521.68
47S/ 3,239.01S/ 2,478.91S/ 760.10S/ 329,761.58
48S/ 3,239.01S/ 2,473.21S/ 765.80S/ 328,995.78
49S/ 3,239.01S/ 2,467.47S/ 771.54S/ 328,224.24
50S/ 3,239.01S/ 2,461.68S/ 777.33S/ 327,446.91
51S/ 3,239.01S/ 2,455.85S/ 783.16S/ 326,663.75
52S/ 3,239.01S/ 2,449.98S/ 789.03S/ 325,874.72
53S/ 3,239.01S/ 2,444.06S/ 794.95S/ 325,079.77
54S/ 3,239.01S/ 2,438.10S/ 800.91S/ 324,278.86
55S/ 3,239.01S/ 2,432.09S/ 806.92S/ 323,471.94
56S/ 3,239.01S/ 2,426.04S/ 812.97S/ 322,658.97
57S/ 3,239.01S/ 2,419.94S/ 819.07S/ 321,839.90
58S/ 3,239.01S/ 2,413.80S/ 825.21S/ 321,014.69
59S/ 3,239.01S/ 2,407.61S/ 831.40S/ 320,183.29
60S/ 3,239.01S/ 2,401.37S/ 837.64S/ 319,345.65
61S/ 3,239.01S/ 2,395.09S/ 843.92S/ 318,501.73
62S/ 3,239.01S/ 2,388.76S/ 850.25S/ 317,651.48
63S/ 3,239.01S/ 2,382.39S/ 856.62S/ 316,794.86
64S/ 3,239.01S/ 2,375.96S/ 863.05S/ 315,931.81
65S/ 3,239.01S/ 2,369.49S/ 869.52S/ 315,062.29
66S/ 3,239.01S/ 2,362.97S/ 876.04S/ 314,186.25
67S/ 3,239.01S/ 2,356.40S/ 882.61S/ 313,303.64
68S/ 3,239.01S/ 2,349.78S/ 889.23S/ 312,414.41
69S/ 3,239.01S/ 2,343.11S/ 895.90S/ 311,518.51
70S/ 3,239.01S/ 2,336.39S/ 902.62S/ 310,615.89
71S/ 3,239.01S/ 2,329.62S/ 909.39S/ 309,706.50
72S/ 3,239.01S/ 2,322.80S/ 916.21S/ 308,790.29
73S/ 3,239.01S/ 2,315.93S/ 923.08S/ 307,867.21
74S/ 3,239.01S/ 2,309.00S/ 930.01S/ 306,937.20
75S/ 3,239.01S/ 2,302.03S/ 936.98S/ 306,000.22
76S/ 3,239.01S/ 2,295.00S/ 944.01S/ 305,056.21
77S/ 3,239.01S/ 2,287.92S/ 951.09S/ 304,105.12
78S/ 3,239.01S/ 2,280.79S/ 958.22S/ 303,146.90
79S/ 3,239.01S/ 2,273.60S/ 965.41S/ 302,181.49
80S/ 3,239.01S/ 2,266.36S/ 972.65S/ 301,208.84
81S/ 3,239.01S/ 2,259.07S/ 979.94S/ 300,228.90
82S/ 3,239.01S/ 2,251.72S/ 987.29S/ 299,241.61
83S/ 3,239.01S/ 2,244.31S/ 994.70S/ 298,246.91
84S/ 3,239.01S/ 2,236.85S/ 1,002.16S/ 297,244.75
85S/ 3,239.01S/ 2,229.34S/ 1,009.67S/ 296,235.08
86S/ 3,239.01S/ 2,221.76S/ 1,017.25S/ 295,217.83
87S/ 3,239.01S/ 2,214.13S/ 1,024.88S/ 294,192.95
88S/ 3,239.01S/ 2,206.45S/ 1,032.56S/ 293,160.39
89S/ 3,239.01S/ 2,198.70S/ 1,040.31S/ 292,120.08
90S/ 3,239.01S/ 2,190.90S/ 1,048.11S/ 291,071.97
91S/ 3,239.01S/ 2,183.04S/ 1,055.97S/ 290,016.00
92S/ 3,239.01S/ 2,175.12S/ 1,063.89S/ 288,952.11
93S/ 3,239.01S/ 2,167.14S/ 1,071.87S/ 287,880.24
94S/ 3,239.01S/ 2,159.10S/ 1,079.91S/ 286,800.33
95S/ 3,239.01S/ 2,151.00S/ 1,088.01S/ 285,712.32
96S/ 3,239.01S/ 2,142.84S/ 1,096.17S/ 284,616.15
97S/ 3,239.01S/ 2,134.62S/ 1,104.39S/ 283,511.76
98S/ 3,239.01S/ 2,126.34S/ 1,112.67S/ 282,399.09
99S/ 3,239.01S/ 2,117.99S/ 1,121.02S/ 281,278.07
100S/ 3,239.01S/ 2,109.59S/ 1,129.42S/ 280,148.65
101S/ 3,239.01S/ 2,101.11S/ 1,137.90S/ 279,010.75
102S/ 3,239.01S/ 2,092.58S/ 1,146.43S/ 277,864.32
103S/ 3,239.01S/ 2,083.98S/ 1,155.03S/ 276,709.29
104S/ 3,239.01S/ 2,075.32S/ 1,163.69S/ 275,545.60
105S/ 3,239.01S/ 2,066.59S/ 1,172.42S/ 274,373.18
106S/ 3,239.01S/ 2,057.80S/ 1,181.21S/ 273,191.97
107S/ 3,239.01S/ 2,048.94S/ 1,190.07S/ 272,001.90
108S/ 3,239.01S/ 2,040.01S/ 1,199.00S/ 270,802.90
109S/ 3,239.01S/ 2,031.02S/ 1,207.99S/ 269,594.91
110S/ 3,239.01S/ 2,021.96S/ 1,217.05S/ 268,377.86
111S/ 3,239.01S/ 2,012.83S/ 1,226.18S/ 267,151.68
112S/ 3,239.01S/ 2,003.64S/ 1,235.37S/ 265,916.31
113S/ 3,239.01S/ 1,994.37S/ 1,244.64S/ 264,671.67
114S/ 3,239.01S/ 1,985.04S/ 1,253.97S/ 263,417.70
115S/ 3,239.01S/ 1,975.63S/ 1,263.38S/ 262,154.32
116S/ 3,239.01S/ 1,966.16S/ 1,272.85S/ 260,881.47
117S/ 3,239.01S/ 1,956.61S/ 1,282.40S/ 259,599.07
118S/ 3,239.01S/ 1,946.99S/ 1,292.02S/ 258,307.05
119S/ 3,239.01S/ 1,937.30S/ 1,301.71S/ 257,005.34
120S/ 3,239.01S/ 1,927.54S/ 1,311.47S/ 255,693.87
121S/ 3,239.01S/ 1,917.70S/ 1,321.31S/ 254,372.56
122S/ 3,239.01S/ 1,907.79S/ 1,331.22S/ 253,041.34
123S/ 3,239.01S/ 1,897.81S/ 1,341.20S/ 251,700.14
124S/ 3,239.01S/ 1,887.75S/ 1,351.26S/ 250,348.88
125S/ 3,239.01S/ 1,877.62S/ 1,361.39S/ 248,987.49
126S/ 3,239.01S/ 1,867.41S/ 1,371.60S/ 247,615.89
127S/ 3,239.01S/ 1,857.12S/ 1,381.89S/ 246,234.00
128S/ 3,239.01S/ 1,846.76S/ 1,392.25S/ 244,841.75
129S/ 3,239.01S/ 1,836.31S/ 1,402.70S/ 243,439.05
130S/ 3,239.01S/ 1,825.79S/ 1,413.22S/ 242,025.83
131S/ 3,239.01S/ 1,815.19S/ 1,423.82S/ 240,602.01
132S/ 3,239.01S/ 1,804.52S/ 1,434.49S/ 239,167.52
133S/ 3,239.01S/ 1,793.76S/ 1,445.25S/ 237,722.27
134S/ 3,239.01S/ 1,782.92S/ 1,456.09S/ 236,266.18
135S/ 3,239.01S/ 1,772.00S/ 1,467.01S/ 234,799.17
136S/ 3,239.01S/ 1,760.99S/ 1,478.02S/ 233,321.15
137S/ 3,239.01S/ 1,749.91S/ 1,489.10S/ 231,832.05
138S/ 3,239.01S/ 1,738.74S/ 1,500.27S/ 230,331.78
139S/ 3,239.01S/ 1,727.49S/ 1,511.52S/ 228,820.26
140S/ 3,239.01S/ 1,716.15S/ 1,522.86S/ 227,297.40
141S/ 3,239.01S/ 1,704.73S/ 1,534.28S/ 225,763.12
142S/ 3,239.01S/ 1,693.22S/ 1,545.79S/ 224,217.33
143S/ 3,239.01S/ 1,681.63S/ 1,557.38S/ 222,659.95
144S/ 3,239.01S/ 1,669.95S/ 1,569.06S/ 221,090.89
145S/ 3,239.01S/ 1,658.18S/ 1,580.83S/ 219,510.06
146S/ 3,239.01S/ 1,646.33S/ 1,592.68S/ 217,917.38
147S/ 3,239.01S/ 1,634.38S/ 1,604.63S/ 216,312.75
148S/ 3,239.01S/ 1,622.35S/ 1,616.66S/ 214,696.09
149S/ 3,239.01S/ 1,610.22S/ 1,628.79S/ 213,067.30
150S/ 3,239.01S/ 1,598.00S/ 1,641.01S/ 211,426.29
151S/ 3,239.01S/ 1,585.70S/ 1,653.31S/ 209,772.98
152S/ 3,239.01S/ 1,573.30S/ 1,665.71S/ 208,107.27
153S/ 3,239.01S/ 1,560.80S/ 1,678.21S/ 206,429.06
154S/ 3,239.01S/ 1,548.22S/ 1,690.79S/ 204,738.27
155S/ 3,239.01S/ 1,535.54S/ 1,703.47S/ 203,034.80
156S/ 3,239.01S/ 1,522.76S/ 1,716.25S/ 201,318.55
157S/ 3,239.01S/ 1,509.89S/ 1,729.12S/ 199,589.43
158S/ 3,239.01S/ 1,496.92S/ 1,742.09S/ 197,847.34
159S/ 3,239.01S/ 1,483.86S/ 1,755.15S/ 196,092.19
160S/ 3,239.01S/ 1,470.69S/ 1,768.32S/ 194,323.87
161S/ 3,239.01S/ 1,457.43S/ 1,781.58S/ 192,542.29
162S/ 3,239.01S/ 1,444.07S/ 1,794.94S/ 190,747.35
163S/ 3,239.01S/ 1,430.61S/ 1,808.40S/ 188,938.95
164S/ 3,239.01S/ 1,417.04S/ 1,821.97S/ 187,116.98
165S/ 3,239.01S/ 1,403.38S/ 1,835.63S/ 185,281.35
166S/ 3,239.01S/ 1,389.61S/ 1,849.40S/ 183,431.95
167S/ 3,239.01S/ 1,375.74S/ 1,863.27S/ 181,568.68
168S/ 3,239.01S/ 1,361.77S/ 1,877.24S/ 179,691.44
169S/ 3,239.01S/ 1,347.69S/ 1,891.32S/ 177,800.12
170S/ 3,239.01S/ 1,333.50S/ 1,905.51S/ 175,894.61
171S/ 3,239.01S/ 1,319.21S/ 1,919.80S/ 173,974.81
172S/ 3,239.01S/ 1,304.81S/ 1,934.20S/ 172,040.61
173S/ 3,239.01S/ 1,290.30S/ 1,948.71S/ 170,091.90
174S/ 3,239.01S/ 1,275.69S/ 1,963.32S/ 168,128.58
175S/ 3,239.01S/ 1,260.96S/ 1,978.05S/ 166,150.53
176S/ 3,239.01S/ 1,246.13S/ 1,992.88S/ 164,157.65
177S/ 3,239.01S/ 1,231.18S/ 2,007.83S/ 162,149.82
178S/ 3,239.01S/ 1,216.12S/ 2,022.89S/ 160,126.93
179S/ 3,239.01S/ 1,200.95S/ 2,038.06S/ 158,088.87
180S/ 3,239.01S/ 1,185.67S/ 2,053.34S/ 156,035.53
181S/ 3,239.01S/ 1,170.27S/ 2,068.74S/ 153,966.79
182S/ 3,239.01S/ 1,154.75S/ 2,084.26S/ 151,882.53
183S/ 3,239.01S/ 1,139.12S/ 2,099.89S/ 149,782.64
184S/ 3,239.01S/ 1,123.37S/ 2,115.64S/ 147,667.00
185S/ 3,239.01S/ 1,107.50S/ 2,131.51S/ 145,535.49
186S/ 3,239.01S/ 1,091.52S/ 2,147.49S/ 143,388.00
187S/ 3,239.01S/ 1,075.41S/ 2,163.60S/ 141,224.40
188S/ 3,239.01S/ 1,059.18S/ 2,179.83S/ 139,044.57
189S/ 3,239.01S/ 1,042.83S/ 2,196.18S/ 136,848.39
190S/ 3,239.01S/ 1,026.36S/ 2,212.65S/ 134,635.74
191S/ 3,239.01S/ 1,009.77S/ 2,229.24S/ 132,406.50
192S/ 3,239.01S/ 993.05S/ 2,245.96S/ 130,160.54
193S/ 3,239.01S/ 976.20S/ 2,262.81S/ 127,897.73
194S/ 3,239.01S/ 959.23S/ 2,279.78S/ 125,617.95
195S/ 3,239.01S/ 942.13S/ 2,296.88S/ 123,321.07
196S/ 3,239.01S/ 924.91S/ 2,314.10S/ 121,006.97
197S/ 3,239.01S/ 907.55S/ 2,331.46S/ 118,675.51
198S/ 3,239.01S/ 890.07S/ 2,348.94S/ 116,326.57
199S/ 3,239.01S/ 872.45S/ 2,366.56S/ 113,960.01
200S/ 3,239.01S/ 854.70S/ 2,384.31S/ 111,575.70
201S/ 3,239.01S/ 836.82S/ 2,402.19S/ 109,173.51
202S/ 3,239.01S/ 818.80S/ 2,420.21S/ 106,753.30
203S/ 3,239.01S/ 800.65S/ 2,438.36S/ 104,314.94
204S/ 3,239.01S/ 782.36S/ 2,456.65S/ 101,858.29
205S/ 3,239.01S/ 763.94S/ 2,475.07S/ 99,383.22
206S/ 3,239.01S/ 745.37S/ 2,493.64S/ 96,889.58
207S/ 3,239.01S/ 726.67S/ 2,512.34S/ 94,377.24
208S/ 3,239.01S/ 707.83S/ 2,531.18S/ 91,846.06
209S/ 3,239.01S/ 688.85S/ 2,550.16S/ 89,295.90
210S/ 3,239.01S/ 669.72S/ 2,569.29S/ 86,726.61
211S/ 3,239.01S/ 650.45S/ 2,588.56S/ 84,138.05
212S/ 3,239.01S/ 631.04S/ 2,607.97S/ 81,530.08
213S/ 3,239.01S/ 611.48S/ 2,627.53S/ 78,902.55
214S/ 3,239.01S/ 591.77S/ 2,647.24S/ 76,255.31
215S/ 3,239.01S/ 571.91S/ 2,667.10S/ 73,588.21
216S/ 3,239.01S/ 551.91S/ 2,687.10S/ 70,901.11
217S/ 3,239.01S/ 531.76S/ 2,707.25S/ 68,193.86
218S/ 3,239.01S/ 511.45S/ 2,727.56S/ 65,466.30
219S/ 3,239.01S/ 491.00S/ 2,748.01S/ 62,718.29
220S/ 3,239.01S/ 470.39S/ 2,768.62S/ 59,949.67
221S/ 3,239.01S/ 449.62S/ 2,789.39S/ 57,160.28
222S/ 3,239.01S/ 428.70S/ 2,810.31S/ 54,349.97
223S/ 3,239.01S/ 407.62S/ 2,831.39S/ 51,518.58
224S/ 3,239.01S/ 386.39S/ 2,852.62S/ 48,665.96
225S/ 3,239.01S/ 364.99S/ 2,874.02S/ 45,791.94
226S/ 3,239.01S/ 343.44S/ 2,895.57S/ 42,896.37
227S/ 3,239.01S/ 321.72S/ 2,917.29S/ 39,979.08
228S/ 3,239.01S/ 299.84S/ 2,939.17S/ 37,039.91
229S/ 3,239.01S/ 277.80S/ 2,961.21S/ 34,078.70
230S/ 3,239.01S/ 255.59S/ 2,983.42S/ 31,095.28
231S/ 3,239.01S/ 233.21S/ 3,005.80S/ 28,089.48
232S/ 3,239.01S/ 210.67S/ 3,028.34S/ 25,061.14
233S/ 3,239.01S/ 187.96S/ 3,051.05S/ 22,010.09
234S/ 3,239.01S/ 165.08S/ 3,073.93S/ 18,936.16
235S/ 3,239.01S/ 142.02S/ 3,096.99S/ 15,839.17
236S/ 3,239.01S/ 118.79S/ 3,120.22S/ 12,718.95
237S/ 3,239.01S/ 95.39S/ 3,143.62S/ 9,575.33
238S/ 3,239.01S/ 71.81S/ 3,167.20S/ 6,408.13
239S/ 3,239.01S/ 48.06S/ 3,190.95S/ 3,217.18
240S/ 3,241.31S/ 24.13S/ 3,217.18S/ 0.00

Fórmula

financiado = precio − enganche; mensualidad = P × i / (1 − (1+i)^(−n))

Ejemplo

  • Vivienda a 20 años

    Vivienda de 450,000 PEN con 90,000 PEN de cuota inicial al 9 % anual a 20 años.

Explicación

Resta el enganche al precio del inmueble y amortiza el capital con mensualidad constante (sistema francés). Los gastos opcionales se suman al costo total. Los resultados no son CAT.

Preguntas frecuentes

¿Cómo se calcula el monto financiado?

Es el precio del inmueble menos el enganche. Sobre ese capital se calcula la mensualidad con amortización francesa.

¿El resultado es el CAT?

No. Los resultados son orientativos y no constituyen CAT, oferta vinculante ni consejo financiero. Verifica siempre con tu institución.

Disclaimer

Esta calculadora no calcula CAT. Usa una tasa nominal simplificada; impuestos, seguros y comisiones reales pueden diferir.

Los resultados son orientativos y no constituyen asesoramiento financiero, fiscal ni de inversión.