{"text_format":"1","workbook":"xlsx","n_sheets":1,"sheets":["simulador"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"simulador","index":0,"n_rows":41,"n_cols":18,"rows_kept":41,"cut":false,"hidden":false,"merged":[]}
[]
[null,"SIMULADOR DE CRÉDITOS",null,null,null,null,null,"Número de Cuotas","Fecha de Pago","Cuota de Pago","Cuota Final de Pago",null,null,"Tipo de Seguro","Tipo de Seguro",null,null,"Seguro"]
[null,"Producto: Cuotas Flexibles",null,null,"Desgravamen:","Básico                    ",1,{"$f":"IF(G3<=$C$6,G3,\"\")","v":1},"2026-02-14",3000,{"$f":"IF(H3<$C$6,J3,VLOOKUP(H3,$B$16:$K$33,7,))","v":3000},null,null,"Seguro Desgravamen Básico                    ","Básico                    ",null,null,1.3500000000000001E-3]
[null,"Monto:",10000,null,"Desgravamen:",{"$f":"VLOOKUP(F3,$O$2:$R$6,4,)","v":1.3500000000000001E-3},2,2,"2026-05-05",700,700,null,null,"Seguro Desgravamen Conyugal Básico             ","Conyugal Básico             ",null,null,1.5558200000000001E-3]
[null,"Tasa:",0.28499999999999998,null,null,null,3,3,"2027-06-05",11563.339129,11563.339129,null,null,"Seguro Desgravamen con Devolución         ","con Devolución         ",null,null,1.408E-3]
[null,"Nro. Cuotas",3,null,"Otros Seguros ?","SI",4,"",null,"","",null,null,"Seguro Desgravamen Conyugal con Devolución         ","Conyugal con Devolución         ",null,null,1.9880000000000002E-3]
[null,"Fecha de Desembolso:","2025-07-14",null,"Multiriesgo:",{"$f":"IF(F6=\"si\",0.413%,0%)","v":4.13E-3},5,"",null,"",""]
[null,"Fecha de Vencimiento:",null,null,"Tasa Diaria",{"$f":"(1+C5)^(1/360)-1","v":6.9679464408589631E-4},6,"",null,"",""]
[null,null,null,null,null,null,7,"",null,"","",null,null,"Otros Seguros"]
[null,null,null,null,"TCEA:",{"$f":"+VLOOKUP(C6,$B$16:$K$32,10,)","v":0.31004916345787747},8,"",null,"","",null,null,"SI"]
[null,null,null,null,null,null,9,"",null,"","",null,null,"No"]
[null,null,null,null,null,null,10,"",null,"",""]
[null,null,null,null,null,null,11,"",null,"",""]
["Mensaje:",{"$f":"IF(J3=\"\",\"\",IF(COUNTIF(J3:J14,\"<0\")>=1,\"error vuelva a ingresar los datos no puede haber cuotas negativas\",\"Datos ingresados correctamente\"))","v":"Datos ingresados correctamente"},null,null,null,null,12,"",null,"",""]
[]
["días","No Períodos","Fecha","Capital Inicial","Amortización","Interes","Seguros","Cuota","Días",null,"TCEA"]
[null,0,{"$f":"C7","v":"2025-07-14"},{"$f":"IF(B17=\"\",\"\",C4)","v":10000},null,null,null,{"$f":"-C4","v":-10000}]
[{"$f":"+I18","v":215},{"$f":"IF(B17=\"\",\"\",IF(B17+1>$C$6,\"\",B17+1))","v":1},{"$f":"IF(B18=\"\",\"\",IF(B18<=$C$6,VLOOKUP(B18,$H$3:$J$14,2,FALSE),VLOOKUP($C$6,$H$3:$J$14,2,FALSE)))","v":"2026-02-14"},{"$f":"IF(B18=\"\",\"\",ROUND(D17-E17,2))","v":10000},{"$f":"IF(B18=\"\",\"\",IF(B18<>$C$6,H18-F18-G18,D18))","v":1248.6600000000001},{"$f":"IF(B18=\"\",\"\",ROUND(((1+$F$8)^(C18-C17)-1)*D18,2))","v":1615.54},{"$f":"+IF(B18=\"\",\"\",(ROUND(A18/30,0)*$F$4*D18+ROUND(($F$7*$C$4),2)))","v":135.80000000000001},{"$f":"IFERROR(IF(B18=\"\",\"\",IF(B18=$C$6,E18+F18+G18,VLOOKUP(B18,$H$3:$J$14,3,FALSE))),\"\")","v":3000},{"$f":"IF(B18=\"\",\"\",C18-C17)","v":215},null,{"$f":"+IF(B18=$C$6,(1+XIRR($H$17:H18,$C$17:C18))^(360/365)-1,\"\")","v":""}]
[80,2,"2026-05-05",{"$f":"IF(B19=\"\",\"\",ROUND(D18-E18,2))","v":8751.34},121.75707300000001,501.5,76.742926999999995,700,80,null,{"$f":"+IF(B19=$C$6,(1+XIRR($H$17:H19,$C$17:C19))^(360/365)-1,\"\")","v":""}]
[396,3,"2027-06-05",8629.58,8629.58,2741.01,192.74912899999998,11563.339129,396,null,{"$f":"+IF(B20=$C$6,(1+XIRR($H$17:H20,$C$17:C20))^(360/365)-1,\"\")","v":0.31004916345787747}]
["","","","",{"$f":"IF(B21=\"\",\"\",IF(B21<>$C$6,H21-F21-G21,D21))","v":""},"","","","",null,{"$f":"+IF(B21=$C$6,(1+XIRR($H$17:H21,$C$17:C21))^(360/365)-1,\"\")","v":""}]
["","","","","","","","","",null,{"$f":"+IF(B22=$C$6,(1+XIRR($H$17:H22,$C$17:C22))^(360/365)-1,\"\")","v":""}]
["","","","","","","","","",null,{"$f":"+IF(B23=$C$6,(1+XIRR($H$17:H23,$C$17:C23))^(360/365)-1,\"\")","v":""}]
["","","","","","","","","",null,{"$f":"+IF(B24=$C$6,(1+XIRR($H$17:H24,$C$17:C24))^(360/365)-1,\"\")","v":""}]
["","","","","","","","","",null,{"$f":"+IF(B25=$C$6,(1+XIRR($H$17:H25,$C$17:C25))^(360/365)-1,\"\")","v":""}]
["","","","","","","","","",null,{"$f":"+IF(B26=$C$6,(1+XIRR($H$17:H26,$C$17:C26))^(360/365)-1,\"\")","v":""}]
["","","","","","","","","",null,{"$f":"+IF(B27=$C$6,(1+XIRR($H$17:H27,$C$17:C27))^(360/365)-1,\"\")","v":""}]
["","","","","","","","","",null,{"$f":"+IF(B28=$C$6,(1+XIRR($H$17:H28,$C$17:C28))^(360/365)-1,\"\")","v":""}]
["","","","","","","","","",null,{"$f":"+IF(B29=$C$6,(1+XIRR($H$17:H29,$C$17:C29))^(360/365)-1,\"\")","v":""}]
["","","","","","","","","",null,{"$f":"+IF(B30=$C$6,(1+XIRR($H$17:H30,$C$17:C30))^(360/365)-1,\"\")","v":""}]
["","","","","","","","","",null,{"$f":"+IF(B31=$C$6,(1+XIRR($H$17:H31,$C$17:C31))^(360/365)-1,\"\")","v":""}]
["","","","","","","","","",null,{"$f":"+IF(B32=$C$6,(1+XIRR($H$17:H32,$C$17:C32))^(360/365)-1,\"\")","v":""}]
[null,null,"==> TOTAL",null,{"$f":"SUM(E18:E32)","v":9999.9970730000005},{"$f":"SUM(F18:F32)","v":4858.05},{"$f":"SUM(G18:G32)","v":405.292056},{"$f":"SUM(H18:H32)","v":15263.339129}]
[]
[]
["\"La Empresa tiene la obligación de difundir información de conformidad con la Ley N° 28587 y el Reglamento de Gestión de Conducta de Mercado del Sistema Financiero, aprobado mediante Resolución SBS N° 3274-2017."]
["Los movimientos están sujetos al pago del Impuesto a las Transacciones Financieras (ITF 0.0050%) según Ley N° 28653."]
["Esta simulación es referencial de acuerdo a los datos ingresados. Las cuotas son aproximadas. Los términos y condiciones definitivas del crédito - tales como: monto, plazo, tasas de interés, cuotas, "]
["entre otros - se encuentran sujetas a evaluación por parte de La Empresa."]
["Tasa de Costo Efectivo Anual (TCEA) calculada sobre la base de 360 días."]
["El usuario tiene el derecho de contratar el seguro de desgravamen directamente y endosarlo a favor de la empresa hasta por el monto del saldo adeudado. Asimismo tiene derecho de endoso de un seguro de vida siempre y cuando cumpla las mismas coberturas y beneficios del seguro comercializado por LA FINANCIERA, que se encuentran difundidas en la página web www.confianza.pe.\"     "]