{"text_format":"1","workbook":"xlsx","n_sheets":6,"sheets":["Simulador","Cronograma Pago diferido","Hoja1","Cronograma","Etiquetas","formulas y ejemplos"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":4,"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":40,"n_cols":5,"rows_kept":40,"cut":false,"hidden":false,"merged":[[1,1,2,5],[22,1,22,5],[38,1,38,6]]}
[]
[null,"SIMULADOR PARA TARJETAS DE CRÉDITO"]
[]
[]
[null,null,"Tarjeta","→","Tarjeta Ripley MasterCard"]
[]
[null,null,"Origen de compra","→","Tienda Ripley"]
[]
[null,null,"Tipo de producto","→","Mercadería en general (Ripley)"]
[]
[null,null,"Operación","→","Compra en cuotas"]
[]
[null,null,"Monto S/","→",1000]
[]
[null,null,"Plazo (máx 48)","→",12]
[]
[null,null,"Cuota Mensual(2) S/",null,{"$f":"IFERROR(IF(E13<=0,\"Seleccionar Monto\",IF(AND(E15<=0,selección=\"cuotas\"),\"Seleccionar Plazo\",IF(AND(E11=\"Revolvente\",E13>0),Cronograma!V2,IF(AND(E11=\"Compra en cuotas\",E13>0),Cronograma!D11,'Cronograma Pago diferido'!D11)))),\"\")","v":135.36065097872887}]
[]
[null,null,"TEA (3)",null,{"$f":"IF(AND(E7=\"Ripley.com y/o Ripley App\",E15=12),\"41,30%\",IF(AND(E7=\"Tienda Ripley\",E9=\"Electrohogar y/o Decohogar (Ripley)\",E15=12),\"41,30%\",\"101,86%\"))","v":"101,86%"}]
[]
[null,null,"TCEA (4)",null,{"$f":"IFERROR(IF(E11=\"Revolvente\",Cronograma!Y10,IF(E11=\"Pago diferido\",'Cronograma Pago diferido'!L10,Cronograma!L10)),\"Seleccionar Monto\")","v":1.7135295926976131}]
[]
[null,"El costo total del consumo en el plazo elegido es: "]
[]
[]
[null,null,"Total Intereses S/ (5)",null,{"$f":"IF(AND(selección=\"Cuotas\",E13<=0),\"Seleccionar Monto\",IF(AND(selección=\"Cuotas\",E15=\"\"),\"Seleccionar Plazo\",IF(E11=\"Revolvente\",0,IF(E11=\"Compra en cuotas\",Cronograma!F64,'Cronograma Pago diferido'!F66))))","v":433.527811744747}]
[]
[null,null,"Total Gastos S/ (6)",null,{"$f":"IF(E13<=0,\"Seleccionar Monto\",IF(AND(E11=\"Cuotas\",E15<=0),\"Seleccionar Plazo\",IF(E11=\"Compra en cuotas\",Cronograma!H64,IF(E11=\"Revolvente\",Cronograma!D9,'Cronograma Pago diferido'!H66))))","v":164.45515082119968}]
[]
[null,null,"Costo Efectivo S/ (7)",null,{"$f":"IFERROR(IF(OR(E26=\"Seleccionar Plazo\",E28=\"Seleccionar Plazo\"),\"Seleccionar Plazo\",IF(OR(E26=\"Seleccionar Monto\",E28=\"Seleccionar Monto\"),\"Seleccionar Monto\",(E26+E28))),\"Pendiente Selección\")","v":597.98296256594665}]
[]
[]
[]
[null,"(1) Para el cálculo revolvente (Sin cuotas), solo incluye la comisión de Seguro de desgravamen"]
[null,"(2) Sujeto a tipo de tarjeta y fecha de corte. La cuota mensual incluye gastos (Seguro de desgravamen)"]
[null,"(3) Tasa efectiva anual."]
[null,"(4) Tasa de costo efectiva anual."]
[null,"(5) Total de intereses  generados en el plazo elegido"]
[null,"(6) Total de costos (Seguro de desgravamen)  generados en el plazo elegido.\n            4.20% sobre el saldo deudor promedio diario.\n           Se considera no realiza otros movimientos."]
[null,"(7)Suma del total de intereses + total de gastos"]

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[null,null,"TEA",{"$f":"+Simulador!E19","v":"101,86%"},null,null,"Intereses (30 días) >>>>",null,{"$f":"+D2*D6*30","v":60.280699042372476},null,null,null,null,null,null,"TEA",{"$f":"+D4","v":"101,86%"},null,null,"Intereses (30 días) >>>>",null,{"$f":"+Q2*Q6*30","v":60.280699042372476},{"$f":"+V4-S18","v":-7.1054273576010019E-14}]
[null,null,"TEM",{"$f":"+(1+D4)^(0.0833333333333333)-1","v":6.0280699042372543E-2},null,null,null,null,null,null,null,null,null,null,null,"TEM",{"$f":"+(1+Q4)^(0.0833333333333333)-1","v":6.0280699042372543E-2}]
[null,null,"Factor Conversión Diaria",{"$f":"+D5*0.0333333333333333","v":2.0093566347457494E-3},null,null,null,null,null,null,null,null,null,null,null,"Factor Conversión Diaria",{"$f":"+Q5*0.0333333333333333","v":2.0093566347457494E-3}]
[null,null,"Factor Actualización",{"$f":"SUM(C15:C65)","v":8.3709572299087807},null,null,null,null,null,null,null,null,null,null,null,"Factor Actualización"]
[null,null,"Cuota",{"$f":"+D2/D7","v":119.46065097872888},{"$f":"+D17/D7","v":134.29708573173929},">>> Cuota estimada con intereses capitalizados por pago diferido",null,null,null,null,null,null,null,null,null,"Cuota"]
[null,null,"Desgravamen",15.9,null,null,null,null,null,null,null,null,null,null,null,"Desgravamen"]
[null,null,"Membresía",68,null,null,null,null,null,">>>>","TCEA",{"$f":"(1+IRR(L15:L65))^12-1","v":2.4386409077103681},null,null,null,"Membresía",null,null,"Pago Mínimo",30,null,null,">>>>","TCEA",{"$f":"(1+IRR(Y15:Y29))^12-1","v":1.5545213873022541}]
[null,null,"Cuota TOTAL",{"$f":"+E8+D9","v":150.19708573173929},null,null,null,null,null,null,null,null,null,null,null,"Cuota TOTAL",null,null,"Fracción de Capital",24]
[]
[]
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[7,7,0.66382562005436685,565.27645803856399,94.523861256266315,39.773224475472972,134.29708573173929,15.9,0,150.19708573173929,null,150.19708573173929,null,7,7,null,742.36272991548458,32.276640431108028,46.695802750235913,78.972443181343948,13.9,0,92.872443181343954,null,92.872443181343954]
[8,8,0.62608479118211136,465.05463234958575,100.22182568897827,34.075260042761009,134.29708573173929,15.9,0,150.19708573173929,null,150.19708573173929,null,8,8,null,711.43094950233944,30.931780413145191,44.750144302309415,75.681924715454613,13.9,0,89.581924715454619,null,89.581924715454619]
[9,9,0.59048966160336647,358.79136494877304,106.26326740081269,28.033818330926589,134.29708573173929,15.9,0,150.19708573173929,null,150.19708573173929,null,9,9,null,681.43094950233944,30,42.885554956379863,72.885554956379863,13.9,0,86.785554956379869,null,86.785554956379869]
[10,10,0.55691824074199092,246.12247350651279,112.66889144226025,21.62819428947904,134.29708573173929,{"$f":"IF(D26*3.5%>15.9,15.9,D26*3.5%)","v":12.557697773207057},68,214.85478350494634,null,214.85478350494634,null,10,10,null,651.43094950233944,30,41.077133985108688,71.077133985108688,13.9,0,84.977133985108694,null,84.977133985108694]
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[]
[]
["#","N°","Factor de Actualización","Capital","Amortización","Interés","Cuota","Desgravamen","Membresía","Cuota Total",null,null,null,"#","N°","Factor de Actualización","Capital","Amortización r","Interés r","Cuota r","Desgravamen","Membresía","Cuota Total"]
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[27,0,0,0,0,0,0,0,0,0,null,0]
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[]
[]
[null,null,null,null,"Revolving",null,null,"Cuotas",null,null,null,null,null,"NUEVO"]
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[null,"Viajes Ripley",1.0185999999999999,null,"Viajes Ripley",0.77,null,"Viajes Ripley",0.77,null,"Viajes Ripley",0.77,null,"Viajes Ripley",0.77]
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[]
["TEA",{"$f":"+Cronograma!D4","v":"101,86%"},null,"dias",30]
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[]
[]
["Fecha consumo","Cierre de Facturación","Fecha de Pago","Días","Factor Diario"]
["2024-01-02","2024-01-10","2024-02-05",30,{"$f":"1/((1+$B$4)^D9)","v":0.943146471404397}]
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["2024-01-02","2024-05-10","2024-06-05",150,0.7462695496548114]
["2024-01-02","2024-06-10","2024-07-05",180,0.7038414924734836]
["2024-01-02","2024-07-10","2024-08-05",210,0.66382562005437029]
["2024-01-02","2024-08-09","2024-09-05",240,0.62608479118211502]
["2024-01-02","2024-09-10","2024-10-05",270,0.59048966160337046]
["2024-01-02","2024-10-10","2024-11-05",300,0.55691824074199503]
["2024-01-02","2024-11-11","2024-12-05",330,0.52525547361655689]
["2024-01-02","2024-12-10","2025-01-05",360,0.49539284652730081]
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[]
[]
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["interes",{"$f":"1000*(((1+B4)^30)-1)","v":60.280699042371431}]
["principal",{"$f":"+B24-B25","v":59.179951936356922}]
["pago mensual",{"$f":"+B26+B25+15.9","v":135.36065097872836}]
[]
["Fecha consumo","Cierre de Facturación","Fecha de Pago","Días","Saldo Capital","Amortizacion","Interés","Cuota","Seguro de degravamen","Membresía","Pago mensual"]
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[{"$f":"+A14","v":"2024-01-02"},"2024-06-10","2024-07-05",180,{"$f":"+Cronograma!D20","v":666.21009558045921},{"$f":"+Cronograma!E21","v":79.301040708052966},{"$f":"+Cronograma!F21","v":40.159610270675905},{"$f":"+Cronograma!G21","v":119.46065097872888},{"$f":"+Cronograma!H21","v":15.9},{"$f":"+Cronograma!I21","v":0},{"$f":"+Cronograma!J21","v":135.36065097872887}]
[{"$f":"+A15","v":"2024-01-02"},"2024-07-10","2024-08-05",210,{"$f":"+Cronograma!D21","v":586.90905487240627},{"$f":"+Cronograma!E22","v":84.081362876722039},{"$f":"+Cronograma!F22","v":35.379288102006832},{"$f":"+Cronograma!G22","v":119.46065097872888},{"$f":"+Cronograma!H22","v":15.9},{"$f":"+Cronograma!I22","v":0},{"$f":"+Cronograma!J22","v":135.36065097872887}]
[{"$f":"+A16","v":"2024-01-02"},"2024-08-09","2024-09-05",240,{"$f":"+Cronograma!D22","v":502.82769199568423},{"$f":"+Cronograma!E23","v":89.149846207366238},{"$f":"+Cronograma!F23","v":30.310804771362637},{"$f":"+Cronograma!G23","v":119.46065097872888},{"$f":"+Cronograma!H23","v":15.9},{"$f":"+Cronograma!I23","v":0},{"$f":"+Cronograma!J23","v":135.36065097872887}]
[{"$f":"+A17","v":"2024-01-02"},"2024-09-10","2024-10-05",270,{"$f":"+Cronograma!D23","v":413.677845788318},{"$f":"+Cronograma!E24","v":94.523861256266287},{"$f":"+Cronograma!F24","v":24.936789722462596},{"$f":"+Cronograma!G24","v":119.46065097872888},{"$f":"+Cronograma!H24","v":14.47872460259113},{"$f":"+Cronograma!I24","v":0},{"$f":"+Cronograma!J24","v":133.93937558132001}]
[{"$f":"+A18","v":"2024-01-02"},"2024-10-10","2024-11-05",300,{"$f":"+Cronograma!D24","v":319.15398453205171},{"$f":"+Cronograma!E25","v":100.22182568897824},{"$f":"+Cronograma!F25","v":19.238825289750629},{"$f":"+Cronograma!G25","v":119.46065097872888},{"$f":"+Cronograma!H25","v":11.170389458621811},{"$f":"+Cronograma!I25","v":0},{"$f":"+Cronograma!J25","v":130.63104043735069}]
[{"$f":"+A19","v":"2024-01-02"},"2024-11-11","2024-12-05",330,{"$f":"+Cronograma!D25","v":218.93215884307347},{"$f":"+Cronograma!E26","v":106.26326740081267},{"$f":"+Cronograma!F26","v":13.197383577916213},{"$f":"+Cronograma!G26","v":119.46065097872888},{"$f":"+Cronograma!H26","v":7.6626255595075721},{"$f":"+Cronograma!I26","v":0},{"$f":"+Cronograma!J26","v":127.12327653823645}]
[{"$f":"+A20","v":"2024-01-02"},"2024-12-10","2025-01-05",360,{"$f":"+Cronograma!D26","v":112.6688914422608},{"$f":"+Cronograma!E27","v":112.66889144226022},{"$f":"+Cronograma!F27","v":6.7917595364686667},{"$f":"+Cronograma!G27","v":119.46065097872888},{"$f":"+Cronograma!H27","v":3.9434112004791282},{"$f":"+Cronograma!I27","v":68},{"$f":"+Cronograma!J27","v":191.40406217920801}]
[]
[]
["INCUMPLIMIENTO DE PAGO"]
[]
["Nro","Fecha Vencimiento incumplida","Siguiente vencimineto","Dias atraso","Pago mensual vencido","Interes compensatorio Corrido","Pago"]
["1er Vencimiento",{"$f":"+C33","v":"2024-05-05"},{"$f":"+C34","v":"2024-06-05"},{"$f":"C47-B47","v":31},{"$f":"+K33","v":135.36065097872887},{"$f":"F33*((1+$B$4)^D47-1)","v":4.3982891511584521},{"$f":"E47+F47","v":139.75894012988732}]
["2do Vencimiento",{"$f":"+C34","v":"2024-06-05"},{"$f":"+C35","v":"2024-07-05"},{"$f":"C48-B48","v":30},{"$f":"+K34","v":135.36065097872887},{"$f":"F34*((1+$B$4)^D48-1)","v":4.5085439855563649},{"$f":"E48+F48","v":139.86919496428524}]
["3er Vencimiento","2024-07-05","2024-08-05",{"$f":"C49-B49","v":31},135.36065097872887,{"$f":"F35*((1+$B$4)^D49-1)","v":4.9445353793633773},140.30518635809224]
[null,null,null,null,{"$f":"SUM(E47:E49)","v":406.08195293618661},{"$f":"SUM(F47:F49)","v":13.851368516078193},{"$f":"SUM(G47:G49)","v":419.93332145226475}]
[]
[]
["Nro","Fecha Vencimiento incumplida","Siguiente vencimineto","Dias atraso","Pago mensual vencido","Interes compensatorio Corrido","Pago"]
["1er Vencimiento","2023-11-05","2023-12-05",6,{"$f":"+K33","v":135.36065097872887},{"$f":"F40*((1+$B$4)^D54-1)","v":1.2513061571987469},{"$f":"E54+F54","v":136.61195713592761},{"$f":"+E54+E54+F54","v":271.97260811465651}]
[]
[]
[]
["impuesto transacciones financieras:",null,null,{"$f":"+K33*0.005%","v":6.7680325489364443E-3}]
[]
["Revolvente"]
["Amortizacion revolvente",{"$f":"1000/24","v":41.666666666666664}]
["Interés",{"$f":"+E30*B3","v":60.280699042372547}]
["Pago minimo",{"$f":"+B61+B62+15.9","v":117.84736570903922}]