{"text_format":"1","workbook":"xlsx","n_sheets":3,"sheets":["Simulador","Etiquetas","Cronograma"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":2,"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":32,"n_cols":9,"rows_kept":32,"cut":false,"hidden":false,"merged":[[1,1,1,4]]}
[]
[null,"SIMULADOR PARA TARJETAS DE  CRÉDITO"]
[]
[]
[null,"TARJETA",null,"CONSUMO CLASICA"]
[]
[null,"OPCIÓN",null,"COMPRA EN CUOTAS"]
[]
[null,"MONEDA",null,"SOLES"]
[]
[null,"MONTO S/.",null,1000]
[]
[null,"PLAZO EN MESES",null,4]
[]
[null,"FECHA DEL CONSUMO",null,"2024-08-05"]
[]
[null,"FECHA DE PAGO",null,{"$f":"IF(I26<=25,CONCATENATE(TEXT(H17, \"00\"), \"/\", TEXT(IF(MONTH(D15)>=11, IF(MONTH(D15)=12, IF(MONTH(D15)<=12, 2), MONTH(D15)-10), MONTH(D15)+2), \"00\"), \"/\", IF(MONTH(D15)>=11, IF(MONTH(D15)=12, IF(MONTH(D15)<=12, YEAR(D15)+1, YEAR(D15)+1), YEAR(D15)+1), YEAR(D15))), I28)","v":"05/09/2024"},null,null,"DIA DE PAGO",5]
[]
[]
[null,"TEA",null,{"$f":"IF(D7=\"Compra en Cuotas\",\"34.51%\",\"65.02%\")","v":"34.51%"}]
[]
[null,"TCEA",null,{"$f":"IF(D20=\"34.51%\",\"49.44%\",\"167.48%\")","v":"49.44%"}]
[]
[null,"El costo total del consumo en el plazo elegido es: "]
[]
[null,"INTERESES S/.",null,{"$f":"Cronograma!M3","v":65.486332307073354},null,null,null,"diferencia dias",{"$f":"_xlfn.DAYS(I28,D15)","v":31}]
[]
[null,"CUOTA S/.",null,{"$f":"Cronograma!M2","v":266.37158307676833},null,null,null,"fecha pago",{"$f":"CONCATENATE(TEXT(H17, \"00\"), \"/\",TEXT(IF(MONTH(D15)>11, IF(MONTH(D15)=12, IF(MONTH(D15)<=12,1,2), MONTH(D15)-10), MONTH(D15)+1), \"00\"), \"/\", IF(MONTH(D15)>11, IF(MONTH(D15)=12, IF(DAY(D15)<=25, YEAR(D15)+1, YEAR(D15)+1), YEAR(D15)+1), YEAR(D15)))","v":"05/09/2024"}]
[]
[null,null,null,{"$f":"Cronograma!M4","v":"?"}]
[null,null,null,null,null,null,null,"TEA EN DECIMAL",{"$f":"(D20*100)/100","v":0.34510000000000007}]
[null,null,null,null,null,null,null,"TCEA EN DECIMAL",{"$f":"(D22*100)/100","v":0.49439999999999995}]

{"sheet":"Etiquetas","index":1,"n_rows":45,"n_cols":11,"rows_kept":45,"cut":false,"hidden":true,"merged":[[1,1,2,1]]}
[]
[null,"Tarjeta","TEA","TCEA ","TASA EFECTIVA ANUAL","TCEA ",null,"FECHA DE PAGO"]
[null,null,"COMPRAS","COMPRAS","DISPOSICION DE EFECTIVO","DISPOSICION DE EFECTIVO",null,5,{"$f":"RIGHT(Simulador!D15, LEN(Simulador!D15)-3)","v":"09"},null,"05/"]
[null,"CONSUMO CLASICA",0.34510000000000002,0.49440000000000001,0.6502,1.6748000000000001,null,20,null,null,"20/"]
[null,null,0.33650000000000002,0.43559999999999999,0.6502,1.8209]
[null,null,0.36670000000000003,0.39729999999999999,0.6502,0.96950000000000003]
[null,null,0.35220000000000001,0.38600000000000001,0.6502,1.0009999999999999]
[]
[null,"Cuotas Compras","Cuotas Disposición de efectivo",null,"Pago"]
[null,1,1,null,"COMPRA EN CUOTAS"]
[null,2,2,null,"DISPOSICIÓN DE EFECTIVO"]
[null,3,3]
[null,4,4]
[null,5,5]
[null,6,6]
[null,7,7]
[null,8,8]
[null,9,9]
[null,10,10]
[null,11,11]
[null,12,12]
[null,13,13]
[null,14,14]
[null,15,15]
[null,16,16]
[null,17,17]
[null,18,18]
[null,19,19]
[null,20,20]
[null,21,21]
[null,22,22]
[null,23,23]
[null,24,24]
[null,25]
[null,26]
[null,27]
[null,28]
[null,29]
[null,30]
[null,31]
[null,32]
[null,33]
[null,34]
[null,35]
[null,36]

{"sheet":"Cronograma","index":2,"n_rows":50,"n_cols":13,"rows_kept":50,"cut":false,"hidden":false,"merged":[]}
["N° CUOTAS","FECHA INICIO PERIODO","FECHA DE PAGO","DIAS TRANSCURRIDOS","DIAS ACUMULADOS","SALDO INICIAL","AMORTIZACION","INTERES","CUOTA","SALDO DE CAPITAL"]
[1,"2024-08-05","2024-09-05",32,32,1000,239.66853606839143,26.703047008376892,266.37158307676833,760.3314639316086,null,"Cuota:",{"$f":"I2","v":266.37158307676833}]
[2,"2024-09-06","2024-10-05",30,62,760.3314639316086,247.35309948839279,19.018483588375545,266.37158307676833,512.97836444321581,null,"Interés:",{"$f":"SUM(H2:H50)","v":65.486332307073354}]
[3,"2024-10-06","2024-11-05",31,93,512.97836444321581,253.10704943893001,13.264533637838335,266.37158307676833,259.8713150042858,null,"Saldo De Capital","?"]
[4,"2024-11-06","2024-12-05",30,123,259.8713150042858,259.87131500428575,6.5002680724825872,266.37158307676833,5.6843418860808015E-14]
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