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[{"$nulls":3},"SIMULADOR VEHICULAR PYME"]
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[{"$nulls":21},"Porcentaje %"]
[{"$nulls":3},"Valor del Vehiculo",{"v":100000,"d":"100,000.00"},null,"Ingresa el valor total del Activo",{"$nulls":14},"Valor "]
[{"$nulls":3},"% Desembolso",{"$f":"E9/E7","v":{"v":0.8,"d":"80%"}}]
[{"$nulls":3},"Monto financiado (no mayor al 80% del vehiculo)",{"v":80000,"d":"80,000.00"},null,"Ingresa el monto a financiar"]
[{"$nulls":3},{"$f":"IF(E17=\"Natural\",\"Prima total del seguros\",\"Seguro de desgravamen total máximo a cobrar\")","v":"Prima total del seguros"},{"$f":"IFERROR(IF(E17=\"Natural\",E11-E9,'Simulador para calculos'!F5),\"NO APLICA\")","v":{"v":24006,"d":"24,006.00"}},{"$nulls":17},"SD. Exonerado",{"v":0,"d":"0.0000"}]
[{"$nulls":3},"Monto a Financiar (Desembolso + Prima Seguro)",{"$f":"IF($E$17=\"Natural\",'Simulador Cronograma'!$C$3,'Simulador para calculos'!$C$3)","v":{"v":104006,"d":"104,006.00"}}]
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[{"$nulls":3},"Fecha de Desembolso","2025-10-01",null,"Ingresa la fecha de desembolso"]
[{"$nulls":3},"Fecha Primer Pago","2025-11-01",null,"Ingresar primera fecha de pago"]
[{"$nulls":25},{"$f":"E18+AC24","v":61}]
[{"$nulls":16},"PN","Tasa",{"$nulls":7},"Identificador","Plazo","TITULAR","TITULAR +CONYUGE"]
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[{"$nulls":3},"Plazo (meses)",60,null,"Ingresa el plazo en meses de tu préstamo",{"$nulls":9},"Seguro Desgravamen con devolución - Titular ",{"v":0.26,"d":"0.2600"},{"$nulls":4},"TIPO_SEGURO","Valor",null,{"$f":"IF(AND(Z15>12,Z15<=36),1,0)","v":0},"13-36",{"v":1.4E-3,"d":"0.1400%"},{"v":2.8E-3,"d":"0.2800%"}]
[{"$nulls":3},"Tipo de Seguro Desgravamen/Vida (%mensual)","Sin seguro Desgravamen",{"$f":"IFERROR(IF($E$17=\"Natural\",VLOOKUP($E$19,$Q$16:$R$24,2,FALSE),VLOOKUP($E$19,$Q$27:$R$31,2,FALSE))/100,\"No aplica este seguro en esta Persona Jurídica\")","v":{"v":0,"d":"0.0000%"}},"             Selecciona el Seguro que deseas adquirir",{"$nulls":9},"Seguro Desgravamen sin devolución Titular + Cónyuge",{"v":0.4,"d":"0.4000"},{"$nulls":4},"Seguro Endosado",{"v":0,"d":"0.0000%"},null,{"$f":"IF(AND(Z15>36,Z15<=60),1,0)","v":0},"37-60",{"v":0.000975,"d":"0.0975%"},{"v":0.00195,"d":"0.1950%"}]
[{"$nulls":3},"Seguro del Bien Vehicular","PC - Auto/4x4 con GPS Lima/Valor >50k",{"$f":"_xlfn.XLOOKUP($E$20,$W$19:$W$31,$X$19:$X$31)","v":{"v":0.004001,"d":"0.4001%"}},"             Selecciona un Seguro del Bien Vehicular",{"$nulls":9},"Seguro Desgravamen con devolución Titular + Cónyuge",{"v":0.52,"d":"0.5200"},{"$nulls":4},"PC - Auto y 4x4 sin GPS Lima",{"v":0.003342,"d":"0.3342%"},null,{"$f":"IF(AND(Z15>60,Z15<=84),1,0)","v":1},"61-84",{"v":0.000575,"d":"0.0575%"},{"v":1.15E-3,"d":"0.1150%"}]
[{"$nulls":3},"TEA (Tasa efectiva anual)",{"v":0.12,"d":"12.00%"},null,"La tasa efectiva anual es fija y debe ser ingresada según lo indicado en tarifario",{"$nulls":9},"Seguro Vida Titular",{"$f":"_xlfn.XLOOKUP(1,Z17:Z22,AB17:AB22)*100","v":{"v":0.057499999999999996,"d":"0.0575"}},{"$nulls":4},"PC - Auto y 4x4 sin GPS Provincia",{"v":2.735E-3,"d":"0.2735%"},null,{"$f":"IF(AND(Z15>84,Z15<=108),1,0)","v":0},"85-108",{"v":0.00045,"d":"0.0450%"},{"v":0.0009,"d":"0.0900%"}]
[{"$nulls":3},"TCEA (Tasa de costo efectivo anual)",{"v":0.26095091964732187,"d":"26.10%"},{"$nulls":11},"Seguro Vida Titular + Cónyuge",{"$f":"_xlfn.XLOOKUP(1,Z17:Z22,AC17:AC22)*100","v":{"v":0.11499999999999999,"d":"0.1150"}},{"$nulls":4},"PC - Auto/4x4 con GPS Lima/Valor >50k",{"v":0.004001,"d":"0.4001%"},null,{"$f":"IF(Z15>108,1,0)","v":0},"109-más",{"v":3.5E-4,"d":"0.0350%"},{"v":0.0007,"d":"0.0700%"}]
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[{"$nulls":16},"Endosado",{"v":0,"d":"0.0000"},{"$nulls":4},"PC - Auto y 4x4 Med. Riesgo Lima con GPS",{"v":0.005064,"d":"0.5064%"},null,"Identificador","Periodo Gracia","Meses",{"$f":"SUMPRODUCT(Z25:Z31,AB25:AB31)","v":1}]
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[{"$nulls":3},"Valor Cuota",{"$f":"IFERROR(IF($E$17=\"Natural\",'Simulador Cronograma'!$C$17, 'Simulador para calculos'!$C$17),\"NO APLICA\")","v":{"v":2290.1442103501813,"d":"2,290.14"}},{"$nulls":17},"PC - Vehic. Chinos (Autos y Rurales) Lima",{"v":0.003747,"d":"0.3747%"},null,{"$f":"IF(AND($E$14-$E$13>30,$E$14-$E$13<=60),1,0)","v":1},"31-60",1]
[{"$nulls":16},"PJ","Tasa",{"$nulls":4},"PC - Vehic. Chinos (Autos y Rurales) Provincia",{"v":0.003747,"d":"0.3747%"},null,{"$f":"IF(AND($E$14-$E$13>60,$E$14-$E$13<=90),1,0)","v":0},"61-90",2]
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[{"$nulls":16},"Endosado",{"v":0,"d":"0.0000"},{"$nulls":4},"PC - Vehic. Chinos Pick Up Alquiler, Minas, Comercial y transporte de personal Provincia",{"v":0.00709,"d":"0.7090%"},null,{"$f":"IF(AND($E$14-$E$13>150,$E$14-$E$13<=180),1,0)","v":0},"151-180",5]
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[{"$nulls":22},"PC - Camionetas Pick up Privado/con GPS/ Lima",{"v":0.005317,"d":"0.5317%"}]
[{"$nulls":22},"Camionetas Pick up/con GPS Privado/ Provincia",{"v":0.005317,"d":"0.5317%"}]
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[{"$nulls":3},"Importante:"]
[{"$nulls":3},"→ Valor cuota: Incluye el seguro de desgravamen (CARDIF BNP Paribas), calculado sobre el saldo del crédito, y el seguro del inmueble (MAPFRE), calculado sobre el valor asegurable, según la opción elegida por el cliente.\n→ Endoso de seguro: El cliente puede endosar su póliza de seguro a favor del banco, siempre que cumpla con los requisitos establecidos por la entidad financiera.\n→ Los términos son referenciales y sujetos a evaluación crediticia. La información del simulador es estimativa y puede variar según condiciones del mercado.\n\n"]

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["Titular + Cónyuge","Sin Retorno","SR SD. Hipotecario CV/BF Tit.+ Cony.CAMP",0.0546,null,"SR SD. Hipotecario CV/BF Tit.+ Cony.CAMP",0.0546]
["Titular + Cónyuge","Sin Retorno","SR Desgravamen TIT+ CONY Sobretasa (50%)",{"v":0.06,"d":"0.0600"},null,"CR SD. Hipotecario CV/BF Tit.+ Cony.CAMP",0.0928]
["Titular + Cónyuge","Sin Retorno","SR Degravamen TIT Sobretasa(50%)+CONY",0.0683,null,"SR Desgravamen TIT Sobretasa (100%)",{"v":0.057,"d":"0.0570"}]
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["Titular + Cónyuge","Sin Retorno","SR Desgravamen (TIT+CONY)Sobretasa (50%)",0.0819,null,"CR Desgravamen TIT + CONY Sobretasa (100",0.1392]
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["Titular + Cónyuge","Sin Retorno","SR SD Titul.Sobretasa50%+Cony.Sobretasa1",0.0956,null,"SR Degravamen TIT Sobretasa(50%)+CONY",0.0683]
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[]
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[null,"Fecha de 1er Pago",{"$f":"'Simulación Cliente'!E14","v":"2025-11-01"},{"$nulls":4},"Total Prima Única",{"$f":"I7*I6*NOT(J12)","v":{"v":24006,"d":"24,006.00"}},{"$nulls":14},"Fecha de 1er Pago","2022-10-01",{"$nulls":15},"Fecha de 1er Pago","2022-10-01",{"$nulls":15},"Fecha de 1er Pago","2022-10-01",{"$nulls":15},"Fecha de 1er Pago","2022-10-01",{"$nulls":15},"Fecha de 1er Pago","2022-10-01"]
[null,"Cuota Julio",1,{"$nulls":20},"Cuota Julio",2,{"$nulls":15},"Cuota Julio",1,{"$nulls":15},"Cuota Julio",2,{"$nulls":15},"Cuota Julio",1,{"$nulls":15},"Cuota Julio",2]
[null,"Cuota Diciembre",1,null,"Monto inicial",{"$f":"C3","v":{"v":104006,"d":"104,006.00"}},{"$nulls":17},"Cuota Diciembre",2,{"$nulls":15},"Cuota Diciembre",1,{"$nulls":15},"Cuota Diciembre",2,{"$nulls":15},"Cuota Diciembre",1,{"$nulls":15},"Cuota Diciembre",2]
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[null,"Seguro de Desgravamen",{"$f":"+'Simulación Cliente'!$F$19","v":{"v":0,"d":"0.0000%"}},null,"Prima de Seguro de Desgravamen / Vida",{"$f":"F11/F10","v":{"v":0,"d":"0.0000%"}},null,{"$f":"NOT(OR('Simulación Cliente'!$E$19='Simulación Cliente'!$Q$21,'Simulación Cliente'!$E$19='Simulación Cliente'!$Q$22))","v":true},{"$f":"OR('Simulación Cliente'!$E$19='Simulación Cliente'!$Q$21,'Simulación Cliente'!$E$19='Simulación Cliente'!$Q$22)","v":false},{"$f":"K11=\"SI\"","v":false},{"$nulls":13},"Seguro de Desgravamen",{"$f":"+'Simulación Cliente'!$F$19","v":{"v":0,"d":"0.000%"}},{"$nulls":15},"Seguro de Desgravamen",{"$f":"+'Simulación Cliente'!$F$19","v":{"v":0,"d":"0.000%"}},{"$nulls":15},"Seguro de Desgravamen",{"$f":"+'Simulación Cliente'!$F$19","v":{"v":0,"d":"0.000%"}},{"$nulls":15},"Seguro de Desgravamen",{"$f":"+'Simulación Cliente'!$F$19","v":{"v":0,"d":"0.000%"}},{"$nulls":15},"Seguro de Desgravamen",{"$f":"+'Simulación Cliente'!$F$19","v":{"v":0,"d":"0.000%"}}]
[null,"TEA Total",{"$f":"(1+(((1+C11)^(30/360)-1)+C12*H12+C16))^12-1","v":{"v":0.12000000000000144,"d":"12.0000%"}},null,"MAF Inicial",{"$f":"F10+F11","v":{"v":104006,"d":"104,006.00"}},{"$nulls":17},"TCEA",{"$f":"(1+(((1+Y11)^(30/360)-1)+Y12+Y16))^12-1","v":{"$error":"#VALUE!"}},{"$nulls":15},"TCEA",{"$f":"(1+(((1+AP11)^(30/360)-1)+AP12+AP16))^12-1","v":{"$error":"#VALUE!"}},{"$nulls":15},"TCEA",{"$f":"(1+(((1+BG11)^(30/360)-1)+BG12+BG16))^12-1","v":{"$error":"#VALUE!"}},{"$nulls":15},"TCEA",{"$f":"(1+(((1+BX11)^(30/360)-1)+BX12+BX16))^12-1","v":{"$error":"#VALUE!"}},{"$nulls":15},"TCEA",{"$f":"(1+(((1+CO11)^(30/360)-1)+CO12+CO16))^12-1","v":{"$error":"#VALUE!"}}]
[null,"Seguro del Bien",{"$f":"+'Simulación Cliente'!$F$20","v":{"v":0.004001,"d":"0.400%"}},{"$nulls":20},"Seguro del Bien",{"$f":"+'Simulación Cliente'!$F$20","v":{"v":0.004001,"d":"0.400%"}},{"$nulls":15},"Seguro del Bien",{"$f":"+'Simulación Cliente'!$F$20","v":{"v":0.004001,"d":"0.400%"}},{"$nulls":15},"Seguro del Bien",{"$f":"+'Simulación Cliente'!$F$20","v":{"v":0.004001,"d":"0.400%"}},{"$nulls":15},"Seguro del Bien",{"$f":"+'Simulación Cliente'!$F$20","v":{"v":0.004001,"d":"0.400%"}},{"$nulls":15},"Seguro del Bien",{"$f":"+'Simulación Cliente'!$F$20","v":{"v":0.004001,"d":"0.400%"}}]
[null,"Portes",{"$nulls":21},"Portes",{"$f":"+'Simulación Cliente'!$E$20","v":"PC - Auto/4x4 con GPS Lima/Valor >50k"},{"$nulls":15},"Portes",{"$f":"+'Simulación Cliente'!$E$20","v":"PC - Auto/4x4 con GPS Lima/Valor >50k"},{"$nulls":15},"Portes",{"$f":"+'Simulación Cliente'!$E$20","v":"PC - Auto/4x4 con GPS Lima/Valor >50k"},{"$nulls":15},"Portes",{"$f":"+'Simulación Cliente'!$E$20","v":"PC - Auto/4x4 con GPS Lima/Valor >50k"},{"$nulls":15},"Portes",{"$f":"+'Simulación Cliente'!$E$20","v":"PC - Auto/4x4 con GPS Lima/Valor >50k"}]
[null,"% Portes",{"$f":"C15/C3","v":{"v":0,"d":"0.0000%"}},{"$nulls":20},"% Portes",{"$f":"Y15/Y3","v":{"$error":"#VALUE!"}},{"$nulls":15},"% Portes",{"$f":"AP15/AP3","v":{"$error":"#VALUE!"}},{"$nulls":15},"% Portes",{"$f":"BG15/BG3","v":{"$error":"#VALUE!"}},{"$nulls":15},"% Portes",{"$f":"BX15/BX3","v":{"$error":"#VALUE!"}},{"$nulls":15},"% Portes",{"$f":"CO15/CO3","v":{"$error":"#VALUE!"}}]
[null,"VALOR CUOTA",{"$f":"(C3+(C14*D4)*Q20)/P20","v":{"v":2290.1442103501863,"d":"2,290.1"}},{"$nulls":20},"VALOR CUOTA",{"$f":"(Y3+(Y14*Y4)*AK20)/AJ20","v":{"$error":"#DIV/0!"}},{"$nulls":15},"VALOR CUOTA",{"$f":"(AP3+(AP14*AP4)*BB20)/BA20","v":{"$error":"#DIV/0!"}},{"$nulls":15},"VALOR CUOTA",{"$f":"(BG3+(BG14*BG4)*BS20)/BR20","v":{"$error":"#DIV/0!"}},{"$nulls":15},"VALOR CUOTA",{"$f":"(BX3+(BX14*BX4)*CJ20)/CI20","v":{"$error":"#DIV/0!"}},{"$nulls":15},"VALOR CUOTA",{"$f":"(CO3+(CO14*CO4)*DA20)/CZ20","v":{"$error":"#DIV/0!"}}]
[]
[]
[{"$nulls":15},{"$f":"SUM(P22:P381)","v":{"v":45.41460731160525,"d":"45.41"}},{"$f":"SUM(Q22:Q381)","v":{"v":45.41460731160525,"d":"45.41"}},{"$nulls":18},{"$f":"SUM(AJ22:AJ381)","v":0},{"$f":"SUM(AK22:AK381)","v":0},{"$nulls":15},{"$f":"SUM(BA22:BA381)","v":0},{"$f":"SUM(BB22:BB381)","v":0},{"$nulls":15},{"$f":"SUM(BR22:BR381)","v":0},{"$f":"SUM(BS22:BS381)","v":0},{"$nulls":15},{"$f":"SUM(CI22:CI381)","v":0},{"$f":"SUM(CJ22:CJ381)","v":0},{"$nulls":15},{"$f":"SUM(CZ22:CZ381)","v":0},{"$f":"SUM(DA22:DA381)","v":0}]
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