{"text_format":"3","workbook":"xlsx","n_sheets":6,"sheets":["Vista Principal","Cronograma","RCI","Proceso Prima de Seguro","TarifarioBD","CostoCapBD"],"not_rendered":{"images":2,"macros":1,"defined_names":5,"comments":1},"read":"whole","date_system":"1900"}

{"sheet":"Vista Principal","index":0,"n_rows":407,"n_cols":22,"rows_kept":407,"merged":[[1,2,3,8],[7,1,7,2],[37,1,37,2],[40,1,40,4]]}
{"$rows_empty":7}
[null,"Ingresar los datos del préstamo:"]
[null,"Producto","Préstamos Vehiculares (Clientes)"]
[null,"Tipo de Seguro","Seguro de Desgravamen con Devolución"]
[null,"Tarifa","TARIFA TITULAR + CONYUGE"]
[]
[null,"Valor del Vehiculo ",{"v":120000,"d":"120,000.00"}]
[null,"Valor de Cuota Inicial",{"v":40000,"d":"40,000.00"},{"$f":"C14/C13","v":{"v":0.3333333333333333,"d":"33%"}}]
[null,"Monto inicial",{"$f":"C13-C14","v":{"v":80000,"d":"80,000.00"}}]
[null,"Seguro Desempleo",{"v":0,"d":"0.000%"}]
[null,"Monto adicional desempleo",{"$f":"C16*C15","v":0}]
[]
[null,"Prima de Seguro de Desgravamen/Vida",{"$f":"IF(C10=\"Seguro de vida\",'Proceso Prima de Seguro'!D13,'Proceso Prima de Seguro'!H16)","v":{"v":0.08362011573763692,"d":"8.3620%"}},"Más Detalle"]
[null,"Monto adicional del Seguro",{"$f":"+C19*C15","v":{"v":6689.609259010954,"d":"6,689.61"}}]
[null,"MAF Inicial",{"$f":"C15+C17+C20","v":{"v":86689.60925901095,"d":"86,689.61"}}]
[]
[null,"Empleado",{"$f":"IF(OR(C9=\"Préstamos Personales (LD Y PA) (Empleados)\",C9 = \"Préstamos Vehiculares (Empleados)\"),\"SI\",\"NO\")","v":"NO"}]
[null,"Moneda","Soles"]
[null,"Plazo (meses)",72]
[]
[null,"Fecha de Desembolso",{"$f":"TODAY()","v":"2025-05-08"}]
[null,"Fecha de 1er Pago","2024-11-30"]
[null,"Cuota Julio",1]
[null,"Cuota Diciembre",1]
[null,"TEA (De acuerdo al tarifario)",{"v":0.24,"d":"24.000%"}]
[null,"TEA TOTAL",{"$f":"+C31","v":{"v":0.24,"d":"24.000%"}}]
[null,"Monto del Bien",{"$f":"C13","v":{"v":120000,"d":"120,000.00"}}]
[null,"Tipo Seguro Vehicular","PC - Camionetas Pick up/con GPS/ Lima"]
[null,"Tasa Seguro Vehicular (Mensual)",{"$f":"VLOOKUP('Vista Principal'!C34,TarifarioBD!N:O,2,0)","v":{"v":0.005317,"d":"0.5317%"}},"Más Detalle"]
[null,"Portes",0,{"$nulls":12},48]
[null,"Cuota",{"$f":"(C21+(C35*C33+C36)*P46)/O46","v":{"v":2581.1945689317145,"d":"2,581.19"}}]
[null,"No te olvides presionar el botón para calcular la TCEA:"]
[null,"TCEA",{"v":0.5555463988372265,"d":"55.55%"}]
[{"$nulls":20},{"$f":"C21-U46-C17-C20","v":{"v":-7.912603905424476e-11,"d":"-0.00"}}]
[null,"Importante: \n- Las datos del simulador son referenciales.\n- El otorgamiendo del préstamo esta sujeto a calificación.\n- La fecha de desembolso, es la fecha de solicitud que ha ingresado en este simulador."]
[]
[]
[]
[]
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[]
["Cuotas de Reporte de Deuda",{"$nulls":3},"Tipo de Cuota simulada",null,null,"Cálculo de RCI"]
["Ingresar datos de cuotas de reporte de ISTS",{"$nulls":3},"Ingresar dato de Ingreso Neto del cliente de ISTS"]
[]
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[null,"Importe Cuota 3",{"v":0,"d":"0.00"}]
[null,"Importe Cuota 4",{"v":0,"d":"0.00"},null,"Ingreso Neto del Cliente"]
[null,"Importe Cuota 5",{"v":0,"d":"0.00"},null,"Ingresar dato de Ingreso Neto del cliente de ISTS"]
[null,"Importe Cuota 6",{"v":0,"d":"0.00"},null,"INGRESO NETO DEL CLIENTE",{"v":6000,"d":"6,000.00"}]
[null,"TOTAL CUOTAS",{"$f":"SUM(C8:C13)","v":{"v":1978,"d":"1,978.00"}}]

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[null,"1) Datos esenciales del préstamo",{"$nulls":4},"3) Calculo del valor presente del Seguro"]
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[null,"Monto inicial",null,{"$f":"'Vista Principal'!C15","v":{"v":80000,"d":"80,000.00"}},null,null,"4) Calculo del Monto Adicional del Seguro y MAF"]
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[null,"Plazo Remanente Meses",null,{"$f":"'Vista Principal'!C25","v":72}]
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[null,"Fecha de 1er Pago",null,{"$f":"'Vista Principal'!C28","v":"2024-11-30"}]
[null,"Cuota Julio",null,{"$f":"'Vista Principal'!C29","v":1}]
[null,"Cuota Diciembre",null,{"$f":"'Vista Principal'!C30","v":1}]
[null,"TEA",null,{"$f":"'Vista Principal'!C31","v":{"v":0.24,"d":"24.00%"}}]
[null,"TEA TOTAL",null,{"$f":"(1+(((1+D23)^(30/360)-1)+D13))^12-1","v":{"v":0.2802837295275209,"d":"28.03%"}}]
[null,"Monto del Bien",null,{"$f":"+'Vista Principal'!C33","v":{"v":120000,"d":"120,000.00"}}]
[null,"Seguro del Bien",null,{"$f":"+'Vista Principal'!C35","v":{"v":0.005317,"d":"0.5317%"}}]
[null,"Portes",null,0]
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[]
[null,"2) Creación de Cronograma de prima mensual"]
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