Tasas de interés

Se pretende solicitar un crédito a 30 años plazo para construcción de vivienda en colones, la información dada es lo siguiente:
									4.606.565,72 €
	Banco Popular		Banco Promerica
	VIVIENDA EN COLONES
Tasa	10.50%		13%
Efectiva	9.85%		12, 95%
Plazo	360 meses		360 meses
Cuota vs Prima	¢7.543 por cada millón		Hasta un 20%

Con estos datos tenemos  que la mejor opción es obtener un crédito con una entidad pública.

Opción BPDC
VA	$ 250.000,00
n	360,00
i	0,88%
PAGO	$      2.286,85
TABLA DE AMORTIZACION
n	PRESTAMO	PAGO	INTERESES	AMORT	SALDO
1	$250.000,00	$2.286,85	$2.187,50	$99,35	$249.900,65
2	$249.900,65	$2.286,85	$2.186,63	$100,22	$249.800,43
3	$249.800,43	$2.286,85	$2.185,75	$101,09	$249.699,34
4	$249.699,34	$2.286,85	$2.184,87	$101,98	$249.597,36
5	$249.597,36	$2.286,85	$2.183,98	$102,87	$249.494,49
6	$249.494,49	$2.286,85	$2.183,08	$103,77	$249.390,72
7	$249.390,72	$2.286,85	$2.182,17	$104,68	$249.286,04
8	$249.286,04	$2.286,85	$2.181,25	$105,60	$249.180,44
9	$249.180,44	$2.286,85	$2.180,33	$106,52	$249.073,92
10	$249.073,92	$2.286,85	$2.179,40	$107,45	$248.966,47
11	$248.966,47	$2.286,85	$2.178,46	$108,39	$248.858,08
12	$248.858,08	$2.286,85	$2.177,51	$109,34	$248.748,74
357	$8.950,74	$2.286,85	$78,32	$2.208,53	$6.742,21
358	$6.742,21	$2.286,85	$58,99	$2.227,85	$4.514,36
359	$4.514,36	$2.286,85	$39,50	$2.247,35	$2.267,01
360	$2.267,01	$2.286,85	$19,84	$2.267,01	$0,00

Opción Banco Promérica
VA	$ 250.000,00
n	360,00
i	1,08%
PAGO	$      2.765,50
TABLA DE AMORTIZACION
n	PRESTAMO	PAGO	INTERESES	AMORT	SALDO
1	$250.000,00	$2.765,50	$2.708,33	$57,17	$249.942,83
2	$249.942,83	$2.765,50	$2.707,71	$57,78	$249.885,05
3	$249.885,05	$2.765,50	$2.707,09	$58,41	$249.826,64
4	$249.826,64	$2.765,50	$2.706,46	$59,04	$249.767,60
5	$249.767,60	$2.765,50	$2.705,82	$59,68	$249.707,91
6	$249.707,91	$2.765,50	$2.705,17	$60,33	$249.647,58
7	$249.647,58	$2.765,50	$2.704,52	$60,98	$249.586,60
8	$249.586,60	$2.765,50	$2.703,85	$61,64	$249.524,96
9	$249.524,96	$2.765,50	$2.703,19	$62,31	$249.462,64
10	$249.462,64	$2.765,50	$2.702,51	$62,99	$249.399,66
11	$249.399,66	$2.765,50	$2.701,83	$63,67	$249.335,99
12	$249.335,99	$2.765,50	$2.701,14	$64,36	$249.271,63
357	$10.768,77	$2.765,50	$116,66	$2.648,84	$8.119,93
358	$8.119,93	$2.765,50	$87,97	$2.677,53	$5.442,40
359	$5.442,40	$2.765,50	$58,96	$2.706,54	$2.735,86
360	$2.735,86	$2.765,50	$29,64	$2.735,86	$0,00