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{"sheet":"Datos","index":0,"n_rows":54,"n_cols":9,"rows_kept":54,"cut":false,"hidden":false,"merged":[[53,2,53,8],[52,2,52,3]]}
[]
[null,null,"Calculadora Crédito Efectivo / Consumo"]
[]
[]
[null,null,"Por favor ingresa los siguientes datos:"]
[]
[null,null,"Fecha de desembolso",null,null,null,null,"2024-07-22","(dd/mm/aaaa)"]
[null,null,"Día de Pago (1-31) ",null,null,null,null,{"$f":"+Varios!D71","v":30}]
[null,null,"Plazo (en Meses)",null,null,null,null,{"$f":"+Varios!G72","v":1}]
[null,null,null,null,null,null,null,0]
[null,null,"Moneda"]
[null,null,"Seguro de Protección Financiera"]
[null,null,"Envío de Estado de Cuenta"]
[null,null,"Tipo Cliente"]
[null,null,"Rango de Ingreso"]
[null,null,"Tasa de Interés Efectiva Anual (En base a 360 días)",null,null,null,null,{"$f":"+IF(Varios!$I$33=3,VLOOKUP(\"Otros\",Varios!$D$24:$G$60,3,FALSE),VLOOKUP(Varios!I33&Varios!O43,Varios!B24:G60,IF(Varios!C4=1,5,6),FALSE))","v":0.95899999999999996}]
[null,null,"Ingrese Tasa",null,null,null,null,0.95899999999999996]
[null,null,"Tasa de Interés Nominal Anual",null,null,null,null,{"$f":"+((1+H16)^(1/12)-1)*12","v":0.69163135750601157}]
[null,null,null,null,null,null,null,{"$f":"+(1+H18/12+H21)^12-1","v":0.98471438748092477}]
[null,null,"Tipo de Seguro de Desgravamen"]
[null,null,"Tasa mensual de Seguro de Desgravamen*",null,null,null,null,{"$f":"+IF(Varios!G5=1,Varios!H2,IF(Varios!G5=2,Varios!H3,Varios!H4))","v":1.15E-3}]
[null,null,"Evaluación de Póliza Endosada",null,null,null,null,{"$f":"+IF(Varios!G5=2,Varios!F4,0)","v":0}]
[null,null,"Envío Físico de Estado de Cuenta",null,null,null,{"$f":"+G44","v":"S/."},{"$f":"IF(Varios!$K$5=1,VLOOKUP(Varios!C4,Varios!B2:E3,4,FALSE),0)","v":0}]
[null,null,"Cuota Adicional en Julio",null,null,null,null,0]
[null,null,"Cuota Adicional en Diciembre ",null,null,null,null,0]
[null,null,"Modalidad de pago (Cuotas por Año)",null,null,null,null,{"$f":"12+H24+H25","v":12}]
[null,null,"Ingrese Monto a solicitar",null,null,null,{"$f":"+IF(Varios!C4=1,\"S/.\",\"US$\")","v":"S/."},500]
[null,null,"Intereses por Cambio de Fecha",null,null,null,{"$f":"+IF(Varios!C4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"IFERROR(+Cronograma!AB13,\"\")","v":0}]
[null,null,"Seguros por Cambio de Fecha",null,null,null,{"$f":"+IF(Varios!C4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+IFERROR(Cronograma!AF13,\"\")","v":0}]
[]
[null,null,{"$f":"IF(Varios!K15<>1,\"\",\"Crédito con SPF\")","v":""}]
[]
[]
[]
[]
[null,null,{"$f":"IF(Varios!K15<>1,\"\",\"Cuota con SPF\")","v":""},null,null,null,{"$f":"IF(Varios!K15<>1,\"\",IF(Varios!C4=1,\"S/.\",\"US$\"))","v":""},{"$f":"IF(Varios!K15<>1,\"\",Cronograma!$W$14)","v":""}]
[null,null,{"$f":"IF(Varios!K15<>1,\"\",\"Cuota sin SPF\")","v":""},null,null,null,{"$f":"IF(Varios!K15<>1,\"\",IF(Varios!C4=1,\"S/.\",\"US$\"))","v":""},{"$f":"IF(Varios!K15<>1,\"\",$H$36-Varios!$L$15)","v":""}]
[null,null,{"$f":"IF(Varios!K15<>1,\"\",\"Diferencia\")","v":""},null,null,null,{"$f":"IF(Varios!K15<>1,\"\",IF(Varios!C4=1,\"S/.\",\"US$\"))","v":""},{"$f":"IF(Varios!K15<>1,\"\",H36-H37)","v":""}]
[]
[null,null,null,"No olvides presionar el botón para calcular la cuota"]
[null,null,"Monto Fijo",null,null,null,{"$f":"+G43","v":"S/."},{"$f":"+H46-H42-H43","v":{"$error":"#VALUE!"}}]
[null,null,"Administración de Póliza Endosada",null,null,null,{"$f":"+G44","v":"S/."},{"$f":"+H22","v":0}]
[null,null,"Portes Mensuales+SPF",null,null,null,{"$f":"+G46","v":"S/."},{"$f":"+H23+H38","v":{"$error":"#VALUE!"}}]
[null,null,"Cuota Mensual",null,null,null,{"$f":"+G27","v":"S/."},{"$f":"+Cronograma!$W$14","v":530.35357233706441}]
[]
[null,null,"Cuota Mensual Total",null,null,null,{"$f":"+G44","v":"S/."},{"$f":"+H44","v":530.35357233706441}]
[null,null,{"$f":"+Cronograma!K5","v":"Tasa de Costo Efectivo Anual (en base a 360 días):"},null,null,null,null,{"$f":"+Cronograma!Q5","v":0.98261647943889896}]
[]
[]
[]
[null,null,"Nota:"]
[null,null,"Las cuotas son referenciales, sujetas a calificación y a la fecha de desembolso del crédito y no "]
[null,null,"incluyen ITF."]
[null,null,"(*) El cliente tiene derecho a elegir la contratación del seguro ofrecido por el BCP o a contratar un seguro directamente con una aseguradora, o a través de un corredor de seguros, siempre que cumpla con las condiciones informadas por el BCP. \nEl trámite para el endoso lo puede realizar gratuitamente en cualquier agencia BCP. Para mayor información https://www.viabcp.com/creditos/credito-efectivo/prestamo-personal-bcp.\n\n\n\n\n"]

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[]
[]
["Simulación de Crédito Efectivo / Consumo"]
[]
[]
[]
["Datos del Crédito"]
["Monto del Préstamo",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"Cronograma!M12","v":500}]
["Plazo de Financiamiento (meses)",null,null,{"$f":"+Datos!H9","v":1}]
["Número de Cuotas Fijas Anuales",null,null,{"$f":"+Datos!H26","v":12}]
["Tasa de Interés Efectiva Anual (en base a 360 días)",null,null,{"$f":"+Datos!H16","v":0.95899999999999996}]
["Fecha de Desembolso",null,null,{"$f":"+Datos!H7","v":"2024-07-22"}]
["Fecha de Pago",null,null,{"$f":"+CONCATENATE(DAY(Datos!H8),\" \",\"de cada mes\")","v":"30 de cada mes"}]
["Portes Mensuales",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+Datos!H23","v":0}]
["Tasa de Seguro de Desgravamen",null,null,{"$f":"+Datos!H21","v":1.15E-3}]
["Seguro de Protección Financiera (SPF) 0.192%",null,null,{"$f":"+IF(Varios!$K$15=1,Varios!$K$12,Varios!$K$13)","v":0}]
[]
["Cuota Mensual",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+Datos!H46","v":530.35357233706441}]
["Tasa de Costo Efectivo Anual (base 360 días)",null,null,{"$f":"+Datos!H47","v":0.98261647943889896}]
[]
["Total de Intereses a Pagar",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+Cronograma!P9","v":29.778572337064386}]
["Total Seguro de Desgravamen",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+Cronograma!Q9","v":0.57499999999999996}]
["Total Envío de información periódica",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+Cronograma!T9","v":0}]
["Total Amortización",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+Cronograma!R9","v":500}]
["Total Seguro de Protección Financiera",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+Cronograma!V9","v":0}]
["Cantidad Total a Pagar",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+Cronograma!Q6","v":530.35357233706441}]
[]
["NOTA: Las cuotas son referenciales, sujetas a calificación y a la fecha de desembolso del crédito. No incluyen ITF."]

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[null,null,null,null,null,null,null,null,null,null,"NOTA: Todo crédito se encuentra sujeto a la evaluación crediticia del Banco, quien determina el monto y plazo a otorgar. \n            Este documento ha sido emitido en base a la información proporcionada por el cliente y tiene caracter referencial. "]
[null,null,null,null,null,null,null,null,null,null,"Tasa de Interés Efectiva Anual (en base a 360 días):",null,null,null,null,null,{"$f":"+Datos!H16","v":0.95899999999999996}]
[null,null,null,null,null,null,null,null,null,null,"Tasa de Costo Efectivo Anual (en base a 360 días):",null,null,null,null,null,{"$f":"+AI11","v":0.98261647943889896}]
[null,null,null,null,null,null,null,null,null,null,"Cantidad Total a Pagar:",null,null,null,null,{"$f":"+IF(Varios!C4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+SUM(X12:X73)","v":530.35357233706441}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Int + Seg","Int + Seg","Interés","Seguro Desg","Amortización","Cuota","Envío Físico de Estado de Cuenta","Evaluación de Póliza Endosada","Seguro de Protección Financiera","Cuota","Cuota"]
[null,null,null,null,null,null,null,null,null,null,"    Totales a pagar",null,null,null,null,{"$f":"+SUM(P12:P73)","v":29.778572337064386},{"$f":"+SUM(Q12:Q73)","v":0.57499999999999996},500,530.35357233706441,0,0,0,530.35357233706441,530.35357233706441]
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[null,null,null,"Dia","Mes","Año",null,"Acum",null,null,"#","Fecha","Saldo","Int + Seg","Int + Seg","Interés","Seguro Desg","Amortización","Cuota","Envío Físico de Estado de Cuenta","Evaluación de Póliza Endosada","Seguro de Protección Financiera","Cuota","Cuota",null,"Calculado","Pdte","Total a Pagar",null,"Calculado","Pdte","Total a Pagar",null,1.0015526896959812,{"$f":"+(1+AH11)^(360/365)-1","v":0.98261647943889896}]
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[null,null,"Moneda","Portes+Seg","Portes","Adm. Pol. End","Desgravamen",null,null,null,"Envío de estado de cuenta"]
[null,1,"Soles",{"$f":"+E2","v":10},10,0,"Individual",1.15E-3,null,1]
[null,2,null,{"$f":"+E3","v":3.8},3.8,0,"Con Retorno",1.4499999999999999E-3,null,2,"Virtual"]
[null,null,1,{"$f":"+C4","v":1},null,{"$f":"+IF(G5=2,IF(C4=1,F2,F3),0)","v":0},"Endosado",0]
[null,null,null,null,null,null,1,null,null,null,2]
[]
[]
[null,null,null,"Para pago 31",null,"Para pago 29 o 30"]
[null,null,"Mes","Año Normal","Año Bisiesto","Año Normal","Año Bisiesto",null,"Seguro optativo de Protección Financiera – SPF"]
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[null,null,2,28,29,28,29,null,null,null,"Tasa",null,"Cuota con SPF","Cuota sin SPF"]
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[null,null,4,30,{"$f":"+D13","v":30},{"$f":"DAY(Datos!$H$7)","v":22},{"$f":"DAY(Datos!$H$7)","v":22},null,null,"Sin SPF",0]
[null,null,5,31,31,{"$f":"DAY(Datos!$H$7)","v":22},{"$f":"DAY(Datos!$H$7)","v":22}]
[null,null,6,30,30,{"$f":"DAY(Datos!$H$7)","v":22},{"$f":"DAY(Datos!$H$7)","v":22},null,null,null,2,{"$f":"+IF(K15<>1,\"\",Datos!$H$27*Varios!$K$12)","v":""}]
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[null,null,8,31,31,{"$f":"DAY(Datos!$H$7)","v":22},{"$f":"DAY(Datos!$H$7)","v":22}]
[null,null,9,30,30,{"$f":"DAY(Datos!$H$7)","v":22},{"$f":"DAY(Datos!$H$7)","v":22}]
[null,null,10,31,31,{"$f":"DAY(Datos!$H$7)","v":22},{"$f":"DAY(Datos!$H$7)","v":22}]
[null,null,11,30,30,{"$f":"DAY(Datos!$H$7)","v":22},{"$f":"DAY(Datos!$H$7)","v":22}]
[null,null,12,31,31,{"$f":"DAY(Datos!$H$7)","v":22},{"$f":"DAY(Datos!$H$7)","v":22}]
[]
[null,null,null,null,null,"SOLES","DOLARES"]
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[null,"1Ingresos de S/. 1,800 a S/. 2,599",1,"Ingresos de S/. 1,800 a S/. 2,599",null,0.43,0.43]
[null,"1Ingresos de S/. 2,600 a S/. 3,799",1,"Ingresos de S/. 2,600 a S/. 3,799",null,0.38500000000000001,0.38500000000000001,null,"Segmento",null,1,2,null,null,"Final"]
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[null,"1Ingresos de S/. 15,000 a más",1,"Ingresos de S/. 15,000 a más",null,0.34,0.34,null,null,{"$f":"+J30+1","v":4},"Ingresos de S/. 2,600 a S/. 3,799","Ingresos de S/. 2,600 a S/. 3,799",null,null,"Otros"]
[null,"1Garantía: Dep. a Plazo y CBME",1,{"$f":"+K36","v":"Garantía: Dep. a Plazo y CBME"},null,0.11,0.11,null,null,5,"Ingresos de S/. 3,800 a S/. 4,999","Ingresos de S/. 3,800 a S/. 4,999",null,null,"Otros"]
[null,"1Garantía: Fondos Mutuos",1,{"$f":"+K37","v":"Garantía: Fondos Mutuos"},null,0.12,0.12,null,3,6,"Ingresos de S/. 5,000 a S/. 7,499","Ingresos de S/. 5,000 a S/. 7,499",null,null,"Otros"]
[null,"1Otros",1,{"$f":"+K38","v":"Otros"},null,{"$f":"Datos!H17","v":0.95899999999999996},0.95899999999999996,null,null,7,"Ingresos de S/. 7,500 a S/. 14,999","Ingresos de S/. 7,500 a S/. 14,999",null,null,"Otros"]
[null,"2Ingresos de S/. 700 a S/. 1,199",2,"Ingresos de S/. 700 a S/. 1,199",null,0.62,0.62,null,null,8,"Ingresos de S/. 15,000 a más","Ingresos de S/. 15,000 a más",null,null,"Otros"]
[null,"2Ingresos de S/. 1,200 a S/. 1,799",2,"Ingresos de S/. 1,200 a S/. 1,799",null,0.44500000000000001,0.44500000000000001,null,null,9,"Garantía: Dep. a Plazo y CBME","Garantía: Dep. a Plazo y CBME",null,null,"Otros"]
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[null,"2Ingresos de S/. 5,000 a S/. 7,499",2,"Ingresos de S/. 5,000 a S/. 7,499",null,0.36499999999999999,0.36499999999999999]
[null,"2Ingresos de S/. 7,500 a S/. 14,999",2,"Ingresos de S/. 7,500 a S/. 14,999",null,0.35499999999999998,0.35499999999999998]
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