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{"sheet":"Datos","index":0,"n_rows":62,"n_cols":9,"rows_kept":62,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Calculadora Crédito Efectivo / Consumo"]
[]
[]
[null,null,"Por favor ingresa los siguientes datos:"]
[]
[null,null,"Fecha de desembolso",null,null,null,null,"2025-10-28","(dd/mm/aaaa)"]
[null,null,"Día de Pago (1-31) ",null,null,null,null,{"$f":"+Varios!D67","v":28}]
[null,null,"Plazo (en Meses)",null,null,null,null,{"$f":"+Varios!G72","v":12}]
[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$60,3,FALSE),VLOOKUP(Varios!I33&Varios!O43,Varios!B24:G60,IF(Varios!C4=1,5,6),FALSE))","v":0.72}]
[null,null,"Ingrese Tasa",null,null,null,null,0.72]
[null,null,"Tasa de Interés Nominal Anual",null,null,null,null,{"$f":"+((1+H16)^(1/12)-1)*12","v":0.55476582733539015}]
[null,null,null,null,null,null,null,{"$f":"+(1+H18/12+H22)^12-1","v":0.71999999999999953}]
[null,null,"Tipo de Seguro de Desgravamen"]
[null,null,"Incluye Seguro de Desgravamen",null,null,null,null,"NO"]
[null,null,"Tasa mensual de Seguro de Desgravamen*",null,null,null,null,{"$f":"+IF(H21=\"SI\",IF(Varios!G5=1,Varios!H2,IF(Varios!G5=2,Varios!H3,Varios!H4)),0)","v":0}]
[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":"+G45","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+H25+H26","v":12}]
[null,null,"Ingrese Monto a solicitar",null,null,null,{"$f":"+IF(Varios!C4=1,\"S/.\",\"US$\")","v":"S/."},1000]
[null,null,"Intereses por Cambio de Fecha",null,null,null,{"$f":"+IF(Varios!C4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"IFERROR(+Cronograma!AB13,\"\")","v":1.5410161870427506}]
[null,null,"Seguros por Cambio de Fecha",null,null,null,{"$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$37-Varios!$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":""},{"$f":"IF(Varios!K15<>1,\"\",H37-H38)","v":""}]
[]
[null,null,null,"No olvides presionar el botón para calcular la cuota"]
[null,null,"Monto Fijo",null,null,null,{"$f":"+G44","v":"S/."},{"$f":"+H47-H43-H44","v":{"$error":"#VALUE!"}}]
[null,null,"Administración de Póliza Endosada",null,null,null,{"$f":"+G45","v":"S/."},{"$f":"+H23","v":0}]
[null,null,"Portes Mensuales+SPF",null,null,null,{"$f":"+G47","v":"S/."},{"$f":"+H24+H39","v":{"$error":"#VALUE!"}}]
[null,null,"Cuota Mensual",null,null,null,{"$f":"+G28","v":"S/."},{"$f":"+Cronograma!$W$14","v":111.00618449776803}]
[]
[null,null,"Cuota Mensual Total",null,null,null,{"$f":"+G45","v":"S/."},{"$f":"+H45","v":111.00618449776803}]
[null,null,{"$f":"+Cronograma!K5","v":"Tasa de Costo Efectivo Anual (en base a 360 días):"},null,null,null,null,{"$f":"+Cronograma!Q5","v":0.72472229139575584}]
[]
[]
[]
[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,"“Ingrese Monto a solicitar” indica el monto del “crédito renovado” donde considera intereses y"]
[null,null,"capital del crédito vigente + extra de capital."]
[null,null,"“Fecha de desembolso” es la fecha de adquisición del extra/crédito renovado"]
[null,null,"“Día de pago (1-31)” es el mismo día elegido del crédito vigente"]
[null,null,"(*) El cliente tiene derecho a elegir la contratación del seguro ofrecido por el BCP o a contratar un seguro directamente con "]
[null,null,"una aseguradora, o a través de un corredor de seguros, siempre que cumpla con las condiciones informadas por el BCP. "]
[null,null,"El trámite para el endoso lo puede realizar gratuitamente en cualquier agencia BCP. "]
[null,null,"Para mayor información https://www.viabcp.com/creditos/credito-efectivo/prestamo-personal-bcp"]

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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/."},{"$f":"Cronograma!M12","v":1000}]
["Plazo de Financiamiento (meses)",null,null,{"$f":"+Datos!H9","v":12}]
["Número de Cuotas Fijas Anuales",null,null,{"$f":"+Datos!H27","v":12}]
["Tasa de Interés Efectiva Anual (en base a 360 días)",null,null,{"$f":"+Datos!H16","v":0.72}]
["Fecha de Desembolso",null,null,{"$f":"+Datos!H7","v":"2025-10-28"}]
["Fecha de Pago",null,null,{"$f":"+CONCATENATE(DAY(Datos!H8),\" \",\"de cada mes\")","v":"28 de cada mes"}]
["Portes Mensuales",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+Datos!H24","v":0}]
["Tasa de Seguro de Desgravamen",null,null,{"$f":"+Datos!H22","v":0}]
["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/."},{"$f":"+Datos!H47","v":111.00618449776803}]
["Tasa de Costo Efectivo Anual (base 360 días)",null,null,{"$f":"+Datos!H48","v":0.72472229139575584}]
[]
["Total de Intereses a Pagar",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+Cronograma!P9","v":332.0742139732165}]
["Total Seguro de Desgravamen",null,{"$f":"+IF(Varios!$C$4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+Cronograma!Q9","v":0}]
["Total Envío de información periódica",null,{"$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/."},{"$f":"+Cronograma!R9","v":999.99999999999977}]
["Total Seguro de Protección Financiera",null,{"$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":1332.0742139732165}]
[]
["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,"Cronograma",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+M12","v":1000}]
[null,null,null,null,null,null,null,null,null,null,"NOTA: Todo crédito se encuentra sujeto a la evaluación crediticia del Banco, quien determina el monto y plazo a otorgar. \n            Este documento ha sido emitido en base a la información proporcionada por el cliente y tiene caracter referencial. "]
[null,null,null,null,null,null,null,null,null,null,"Tasa de Interés Efectiva Anual (en base a 360 días):",null,null,null,null,null,{"$f":"+Datos!H16","v":0.72}]
[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,{"$f":"+AI11","v":0.72472229139575584}]
[null,null,null,null,null,null,null,null,null,null,"Cantidad Total a Pagar:",null,null,null,null,{"$f":"+IF(Varios!C4=1,\"S/.\",\"US$\")","v":"S/."},{"$f":"+SUM(X12:X73)","v":1332.0742139732165}]
[]
[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,{"$f":"+SUM(P12:P73)","v":332.0742139732165},{"$f":"+SUM(Q12:Q73)","v":0},999.99999999999977,1332.0742139732165,0,0,0,1332.0742139732165,1332.0742139732165]
[null,null,null,null,"Fecha",null,"Int. Acum.","Seg. "," ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interes x Pagar",null,null,null," Seguros x Pagar",null,null,null,{"$f":"+SUM(AH13:AH73)","v":999.99999166125565}]
[null,null,null,"Dia","Mes","Año",null,"Acum",null,null,"#","Fecha","Saldo","Int + Seg","Int + Seg","Interés","Seguro Desg","Amortización","Cuota","Envío Físico de Estado de Cuenta","Evaluación de Póliza Endosada","Seguro de Protección Financiera","Cuota","Cuota",null,"Calculado","Pdte","Total a Pagar",null,"Calculado","Pdte","Total a Pagar",null,0.73782861027825219,{"$f":"+(1+AH11)^(360/365)-1","v":0.72472229139575584}]
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[null,null,null,"Para pago 31",null,"Para pago 29 o 30"]
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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":"+Datos!$H$8","v":28},{"$f":"+Datos!$H$8","v":28},null,null,"Sin SPF",0]
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[null,null,6,30,30,{"$f":"+Datos!$H$8","v":28},{"$f":"+Datos!$H$8","v":28},null,null,null,2,{"$f":"+IF(K15<>1,\"\",Datos!$H$28*Varios!$K$12)","v":""}]
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[null,null,8,31,31,{"$f":"+Datos!$H$8","v":28},{"$f":"+Datos!$H$8","v":28}]
[null,null,9,30,30,{"$f":"+Datos!$H$8","v":28},{"$f":"+Datos!$H$8","v":28}]
[null,null,10,31,31,{"$f":"+Datos!$H$8","v":28},{"$f":"+Datos!$H$8","v":28}]
[null,null,11,30,30,{"$f":"+Datos!$H$8","v":28},{"$f":"+Datos!$H$8","v":28}]
[null,null,12,31,31,{"$f":"+Datos!$H$8","v":28},{"$f":"+Datos!$H$8","v":28}]
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[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"]
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[null,null,null,null,null,6,12,null,null,null,9,1.6000000000000014E-2]
[null,null,null,null,null,7,18,null,null,null,12,1.4000000000000012E-2]
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