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{"sheet":"Vista Principal","index":0,"n_rows":398,"n_cols":26,"rows_kept":398,"cut":false,"hidden":false,"merged":[[397,1,401,12],[1,1,3,12],[9,8,9,9],[10,8,10,9],[11,8,11,9]]}
[]
[null,"Simulador Préstamo Personal Libre Disponibilidad"]
[]
[]
[]
[]
[null,"1) Establecer los datos del préstamos"]
[]
[null,"Producto","Préstamos Personales (LD )"]
[null,"Tipo de Seguro","Seguro de Desgravamen",null,null,null,null,null,"Seguro Tasa de Prima Mensual (%)",null,null,null,{"$f":"IF(C10=\"Seguro de Vida\",\"\",'Proceso Prima de Seguro'!C13)","v":6.6010000000000001E-3}]
[null,"Tarifa","TARIFA TITULAR",null,null,null,null,null,"Costo de Capital Mensual",null,null,null,{"$f":"Tabla2[CostoCapital]","v":2.8709999999999999E-3}]
[null,"MAF Inicial",5000,null,null,null,null,null,"Días Cobertura Seguro",null,null,null,{"$f":"'Proceso Prima de Seguro'!C19","v":371}]
[null,"Seguro Desempleo",0]
[null,"Monto adicional desempleo",{"$f":"C13*C12","v":0}]
[null,"Prima Única (%) del Seguro ",{"$f":"IF(C10=\"Seguro de vida\",'Proceso Prima de Seguro'!C13,'Proceso Prima de Seguro'!H16)","v":4.9064709137886998E-2}]
[null,"Prima Única (S/) del Seguro",{"$f":"+C15*C12","v":245.32354568943498}]
[null,"MAF Final",{"$f":"C12+C14+C16","v":5245.3235456894354}]
[null,"Empleado",{"$f":"IF(OR(C9=\"Préstamos Personales (LD Y PA) (Empleados)\",C9 = \"Préstamos Vehiculares (Empleados)\"),\"SI\",\"NO\")","v":"NO"}]
[null,"Moneda","Soles"]
[null,"Plazo ",12]
[null,"Fecha de Desembolso","2024-04-01",null,null,null,null,{"$f":"C22-C21","v":35},"Días de Periodo de Gracia"]
[null,"Fecha de 1er Pago","2024-05-06"]
[null,"Cuota Julio",1]
[null,"Cuota Diciembre",1]
[null,"TEA",0.83399999999999996]
[null,"TEA TOTAL",{"$f":"+C25","v":0.83399999999999996}]
[null,"Monto del Bien",0]
[null,"Seguro del Bien",0]
[null,"Portes",0]
[null,"Cuota",{"$f":"(C17+(C28*C27+C29)*P34)/O34","v":606.19433527269268}]
[null,"2) Calcular TCEA presionando el botón "]
[null,"TCEA",1.0147655204928381]
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[null,"N° Cuota","Fecha de pago","Día","Fecha de pago Prev","Días","Dias Acumulados","Saldo Inicial","Amortización","Interés","Seguro del Bien","Portes","Cuota ","Saldo Final","Factor Cronograma","Factor Cronograma 2",null,"Vector i,1\nCuota","Vector i,2\nDías Acum","Vector i,3 Factor","Vector i,4\nCalculo VA",null,null,null,null,"Feriados"]
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[null,8,"2024-12-06",5,"2024-12-06",30,249,2606.9458104935948,471.04861099665084,135.14572427604185,0,0,606.19433527269268,2135.8971994969438,0.65737844914869004,0.65737844914869004,null,606.19433527269268,249,1.6233865847323727,373.41,null,null,null,null,{"$f":"IF(B43>$C$20,\"\",IF(COUNTIF(Feriados!A9:A23,EDATE($C$36,B42))=0,EDATE($C$36,B42),EDATE($C$36,B42)+VLOOKUP(EDATE($C$36,B42),Feriados!$A$2:$B$17,2,FALSE)))","v":"2024-12-06"}]
[null,9,"2025-01-06",1,"2025-01-06",31,280,2135.8971994969438,491.6799471174096,114.5143881552831,0,0,606.19433527269268,1644.2172523795343,0.62392710571276899,0.62392710571276899,null,606.19433527269268,280,1.724324755793659,351.55,null,null,null,null,{"$f":"IF(B44>$C$20,\"\",IF(COUNTIF(Feriados!A10:A24,EDATE($C$36,B43))=0,EDATE($C$36,B43),EDATE($C$36,B43)+VLOOKUP(EDATE($C$36,B43),Feriados!$A$2:$B$17,2,FALSE)))","v":"2025-01-06"}]
[null,10,"2025-02-06",4,"2025-02-06",31,311,1644.2172523795343,518.04096689197229,88.153368380720366,0,0,606.19433527269268,1126.1762854875619,0.59217796650808951,0.59217796650808951,null,606.19433527269268,311,1.8315390132000078,330.98,null,null,null,null,{"$f":"IF(B45>$C$20,\"\",IF(COUNTIF(Feriados!A11:A25,EDATE($C$36,B44))=0,EDATE($C$36,B44),EDATE($C$36,B44)+VLOOKUP(EDATE($C$36,B44),Feriados!$A$2:$B$17,2,FALSE)))","v":"2025-02-06"}]
[null,11,"2025-03-06",4,"2025-03-06",28,339,1126.1762854875619,551.79722385657055,54.39711141612208,0,0,606.19433527269268,574.37906163099137,0.56489226711252605,0.56489226711252605,null,606.19433527269268,339,1.9340962382352231,313.43,null,null,null,null,{"$f":"IF(B46>$C$20,\"\",IF(COUNTIF(Feriados!A12:A26,EDATE($C$36,B45))=0,EDATE($C$36,B45),EDATE($C$36,B45)+VLOOKUP(EDATE($C$36,B45),Feriados!$A$2:$B$17,2,FALSE)))","v":"2025-03-06"}]
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[]
[null,"Esta simulación es solo referencial. No constituye declaración ni genera responsabilidad para CrediScotia. Las cuotas resultantes son aproximadas de acuerdo a los datos ingresados. La simulación asume que el crédito es desembolsado en el mismo día al de la fecha que se efectúa la simulación. Si cuenta con un seguro de vida contratado directamente, puede endosarlo a favor de CrediScotia, siempre que reúna las condiciones y características de cobertura requeridas hasta por el monto del saldo adeudado. Infórmate sobre nuestras tasas de interés, comisiones, gastos y penalidades en el tarifario ubicado en www.crediscotia.com.pe."]

{"sheet":"Feriados","index":1,"n_rows":18,"n_cols":2,"rows_kept":18,"cut":false,"hidden":true,"merged":[]}
["Feriados del Año 2024","Cantidad días"]
["2024-01-01",1]
["2024-03-28",2]
["2024-03-29",1]
["2024-05-01",1]
["2024-06-07",1]
["2024-06-29",1]
["2024-07-23",1]
["2024-07-28",1]
["2024-07-29",2]
["2024-08-06",1]
["2024-08-30",1]
["2024-10-08",1]
["2024-11-01",1]
["2024-12-08",3]
["2024-12-09",2]
["2024-12-25",1]
["2025-01-01",1]

{"sheet":"Proceso Prima de Seguro","index":2,"n_rows":397,"n_cols":25,"rows_kept":397,"cut":false,"hidden":true,"merged":[[1,2,3,9]]}
[]
[null,null,"Proceso de Cálculo de la Prima de Seguros"]
[]
[]
[]
[]
[null,"1) Datos esenciales del préstamo",null,null,null,null,"3) Calculo del valor presente del Seguro"]
[]
[null,"Producto",{"$f":"'Vista Principal'!C9","v":"Préstamos Personales (LD )"},null,null,null,"Suma de Prima Mensual",{"$f":"SUM(L38:L397)","v":248.72467912525894}]
[null,"Tipo de Seguro",{"$f":"'Vista Principal'!C10","v":"Seguro de Desgravamen"},null,null,null,"VPN - Valor Presente",{"$f":"NPV(C16,L38:L397)","v":245.32354568943501}]
[null,"Tarifa",{"$f":"'Vista Principal'!C11","v":"TARIFA TITULAR"}]
[null,"Monto inicial",{"$f":"'Vista Principal'!C12","v":5000},null,null,null,"4) Calculo del Monto Adicional del Seguro y MAF"]
[null,{"$f":"C10","v":"Seguro de Desgravamen"},{"$f":"INDEX(_xlfn._xlws.FILTER(TarifarioPrincipal[],(TarifarioPrincipal[TARIFA]='Proceso Prima de Seguro'!C11)*(TarifarioPrincipal[PRODUCTO]='Proceso Prima de Seguro'!C9)*(TarifarioPrincipal[TIPO_SEGURO]='Proceso Prima de Seguro'!C10)*(TarifarioPrincipal[Plazo]='Proceso Prima de Seguro'!C20)),0,5)","v":6.6010000000000001E-3}]
[null,"Monto adicional Seguro de Desgravamen/ Vida",null,null,null,null,"Monto inicial",{"$f":"C12","v":5000}]
[null,"MAF Inicial",{"$f":"C12+C14","v":5000},null,null,null,"Monto adicional de Desgravamen / Vida",{"$f":"H10","v":245.32354568943501}]
[null,"Costo Capital",{"$f":"INDEX(_xlfn._xlws.FILTER(Tabla2[],Tabla2[TARIFA]=C11),0,2)","v":2.8709999999999999E-3},null,null,null,"Prima de Seguro de Desgravamen / Vida",{"$f":"H15/H14","v":4.9064709137886998E-2}]
[null,"Moneda",{"$f":"'Vista Principal'!C19","v":"Soles"},null,null,null,"MAF Inicial",{"$f":"H14+H15","v":5245.3235456894354}]
[null,"Plazo Remanente Meses",{"$f":"'Vista Principal'!C20","v":12}]
[null,"Plazo en Días",{"$f":"(OFFSET(C37,(COUNT(C38:C397)),0))-$C$21","v":371}]
[null,"Plazo Rango",{"$f":"IF(C19<=370,\"0-370\",IF(AND(C19>=371,C19<=553),\"371-553\",IF(AND(C19>=554,C19<=736),\"554-736\",IF(AND(C19>=737,C19<=1101),\"737-1101\",IF(AND(C19>=1102,C19<=1466),\"1102-1466\",IF(AND(C19>=1467,C19<=1831),\"1467-1831\",\"1832-2257\"))))))","v":"371-553"}]
[null,"Fecha de Desembolso",{"$f":"'Vista Principal'!C21","v":"2024-04-01"}]
[null,"Fecha de 1er Pago",{"$f":"'Vista Principal'!C22","v":"2024-05-06"}]
[null,"Cuota Julio",{"$f":"'Vista Principal'!C23","v":1}]
[null,"Cuota Diciembre",{"$f":"'Vista Principal'!C24","v":1}]
[null,"TEA",{"$f":"'Vista Principal'!C25","v":0.83399999999999996}]
[null,"TEA TOTAL",{"$f":"(1+(((1+C25)^(30/360)-1)+C13))^12-1","v":0.97698318770659665}]
[null,"Monto del Bien",0]
[null,"Seguro del Bien",0]
[null,"Portes",0]
[null,"Cuota",{"$f":"(C15+(C28*C27+C29)*R36)/Q36","v":600.40998448646394}]
[]
[null,"TCEA",0.9236764757563436]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"C15-W36-C14","v":-69.470000000000255}]
[]
[null,"2) Creación de Cronograma de prima mensual"]
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[null,"N° Cuota","Fecha de pago","Día","Fecha de pago","Feriados","Días","Dias Acumulados","Saldo Inicial","Amortización","Interés","Seguro Desgravamen","Seguro del Bien","Portes","Cuota Constante","Saldo Final","Factor Cronograma","Factor Cronograma 2",null,"Vector i,1\nCuota","Vector i,2\nDías Acum","Vector i,3 Factor","Vector i,4\nCalculo VA","VPN - Valor Presente","VPN - Valor Presente"]
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