{"text_format":"1","workbook":"xlsx","n_sheets":2,"sheets":["Inicial","Parametros"],"not_rendered":{"charts":0,"images":3,"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":"Inicial","index":0,"n_rows":19,"n_cols":2,"rows_kept":19,"cut":false,"hidden":false,"merged":[[18,1,18,6],[12,8,12,13],[5,1,9,7],[12,1,13,7]]}
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[null,"El VTUA es una medida que proyecta el monto total a pagar a lo largo de la vida de una operación activa, se calcula teniendo en cuenta tanto los abonos a capital cómo los costos por el uso del producto.\nAcorde a la norma se permite simular un cupo de 52,63 unidades de valor tributario (UVT) y otro cupo de 157,88 UVT."]
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[null,"NOTA: Recuerda que las tasas de interés pueden variar cada mes, por lo que la vigencia de este simulador aplica para el mes en que lo estás descargando, si realizas nuevamente el calculo más adelante debes dirigirte a nuestro home y descargar el simulador actualizado."]
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[null,"Tener presente: habilitar la ejecución de macros y no tener bloqueado el libro. "]

{"sheet":"Parametros","index":1,"n_rows":34,"n_cols":41,"rows_kept":34,"cut":false,"hidden":true,"merged":[]}
["UVT2023",47065,"CUPO",null,null,null,"Tarjetas Activas",null,0,"Bines","Cuota de Manejo","Tasa Politica","Cupo Min","Cupo Max","FORMULARIO",null,"MV",null,"Mes","Saldo Inicial","Intereses","Abono a K","Cuota de Manejo","Nuevo cupo consumido","Saldo Final","Flujo Mensual",null,"Cupo","Tasa MV","Plazo a diferir","Cuota de manejo",null,null,null,null,null,null,null,null,"Configuración regional"]
["Cupo",52.63,{"$f":"B2*B1","v":2477030.9500000002},null,null,null,"AMERICAN EXPRESS BLUE",null,1,"AMERICAN EXPRESS BLUE",27990,0.26998899999999998,700000,4900000,2232143.56,null,{"$f":"NOMINAL(31.452%,12)/12","v":2.3050958292875068E-2},null,0,"-","-","-","-","-",{"$f":"AB2","v":2477031},{"$f":"+Y2","v":2477031},null,2477031,2.3099999999999999E-2,12,48490,null,null,null,null,null,null,null,null,"requerida","H240A!Idioma|H1F!dd/MM/yyyy|HE!.|HF!,|H1003!HH:mm:ss|H16!.|H17!,|H14!$|HC!;"]
["Cupo",157.88,{"$f":"B3*B1","v":7430622.2000000002},null,null,null,"AMERICAN EXPRESS BUSINESS ORO",null,2,"AMERICAN EXPRESS BUSINESS ORO",28890,0.31452000000000002,100000,1000000000,"Ambos",null,null,null,1,{"$f":"Y2","v":2477031},{"$f":"T3*$Q$2","v":57097.938271158622},{"$f":"+IF(S3=$AD$2,$AB$2,$AB$2/$AD$2)","v":206419.25},{"$f":"+$AE$2","v":48490},{"$f":"+V3","v":206419.25},{"$f":"+T3-V3+X3","v":2477031},{"$f":"-U3-W3","v":-105587.93827115862},null,null,null,null,null,null,null,null,null,null,null,null,null,"origen","H240A!Idioma|H1F!d.MM.yyyy|HE!,|HF!.|H1003!HH:mm:ss|H16!,|H17!’|H14!kr|HC!;"]
[null,null,null,null,null,null,"AMERICAN EXPRESS BUSINESS VERDE",null,3,"AMERICAN EXPRESS BUSINESS VERDE",28890,0.31452000000000002,100000,1000000000,"Ambos",null,null,null,2,{"$f":"Y3","v":2477031},{"$f":"T4*$Q$2","v":57097.938271158622},{"$f":"+IF(S4=$AD$2,$AB$2,$AB$2/$AD$2)","v":206419.25},48490,{"$f":"+V4","v":206419.25},{"$f":"+T4-V4+X4","v":2477031},{"$f":"-U4-W4","v":-105587.93827115862}]
[null,null,null,null,null,null,"AMERICAN EXPRESS ORO",null,4,"AMERICAN EXPRESS ORO",36950,0.31452000000000002,5000000,50000000,"Ambos",null,null,null,3,2477031,57097.938271158622,206419.25,48490,206419.25,2477031,-105587.93827115862,null,"InteresesTotales","CuotaTotal","TasaEA","VTUA","VTUA EA %"]
[null,null,null,null,null,null,"AMERICAN EXPRESS VERDE",null,5,"AMERICAN EXPRESS VERDE",33390,0.31452000000000002,3000000,15000000,"Ambos",null,null,null,4,2477031,57097.938271158622,206419.25,48490,206419.25,2477031,-105587.93827115862,null,{"$f":"+SUM(U3:U14)","v":685175.25925390341},{"$f":"+SUM(W3:W14)","v":581880},{"$f":"+EFFECT(AB6/AB2,12)","v":0.31452000000000147},{"$f":"+AB2+AB6+AC6","v":3744086.2592539033},{"$f":"+EFFECT((AB6+AC6)/AB2,12)","v":0.65023834719846829}]
[null,null,null,null,null,null,"AMERICAN EXPRESS LIBRE",null,6,"AMERICAN EXPRESS LIBRE",0,0.31452000000000002,2000000,10000000,"Ambos",null,null,null,5,2477031,57097.938271158622,206419.25,48490,206419.25,2477031,-105587.93827115862,null,{"$f":"+SUM(U3:U14)+U3","v":742273.19752506202}]
[null,null,null,null,null,null,"AMERICAN EXPRESS PLATINUM",null,7,"AMERICAN EXPRESS PLATINUM",48490,0.31452000000000002,10000000,300000000,"Ambos",null,null,null,6,2477031,57097.938271158622,206419.25,48490,206419.25,2477031,-105587.93827115862]
[null,null,null,null,null,null,"AMERICAN EXPRESS PLATINUM METALICA",null,8,"AMERICAN EXPRESS PLATINUM METALICA",109900,0.31452000000000002,10000000,500000000,"Ambos",null,null,null,7,2477031,57097.938271158622,206419.25,48490,206419.25,2477031,-105587.93827115862]
[null,null,null,null,null,null,"VISA CLASICA ",null,9,"VISA CLASICA ",27990,0.26998899999999998,400000,4900000,2232143.56,null,null,null,8,2477031,57097.938271158622,206419.25,48490,206419.25,2477031,-105587.93827115862]
[null,null,null,null,null,null,"VISA CORPORATIVA",null,10,"VISA CORPORATIVA",28990,0.31452000000000002,100000,1000000000,"Ambos",null,null,null,9,2477031,57097.938271158622,206419.25,48490,206419.25,2477031,-105587.93827115862]
[null,null,null,null,null,null,"VISA INFINITE",null,11,"VISA INFINITE",48490,0.31452000000000002,15000000,300000000,"Ambos",null,null,null,10,2477031,57097.938271158622,206419.25,48490,206419.25,2477031,-105587.93827115862]
[null,null,null,null,null,null,"VISA LIFEMILES MICROPYME",null,12,"VISA LIFEMILES MICROPYME",27890,0.31452000000000002,100000,1000000000,"Ambos",null,null,null,11,2477031,57097.938271158622,206419.25,48490,206419.25,2477031,-105587.93827115862]
[null,null,null,null,null,null,"VISA LIFEMILES PERSONAS",null,13,"VISA LIFEMILES PERSONAS",38890,0.31452000000000002,5000000,50000000,"Ambos",null,null,null,12,2477031,57097.938271158622,{"$f":"+IF(S14=$AD$2,$AB$2,$AB$2/$AD$2)","v":2477031},48490,0,{"$f":"+T14-V14+X14","v":0},{"$f":"-U14-W14-V14","v":-2582618.9382711588}]
[null,null,null,null,null,null,"VISA LIFEMILES PYME",null,14,"VISA LIFEMILES PYME",29890,0.31452000000000002,500000,850000000,"Ambos",null,null,null,null,null,null,{"$f":"SUM(V3:V14)","v":4747642.75},null,null,"VTUA EA:",{"$f":"+EFFECT(IRR(Z2:Z14)*12,12)","v":0.65023834719846829}]
[null,null,null,null,null,null,"VISA ORO",null,15,"VISA ORO",33390,0.31452000000000002,5000000,50000000,"Ambos",null,null,null,null,null,null,null,null,null,"Chequeo",{"$f":"+ROUND(AF6,4)=ROUND(Z15,4)","v":true}]
[null,null,null,null,null,null,"VISA PLATINUM ",null,16,"VISA PLATINUM ",36950,0.31452000000000002,10000000,200000000,"Ambos"]
[null,null,null,null,null,null,"VISA PYME",null,17,"VISA PYME",28890,0.31452000000000002,700000,850000000,"Ambos"]
[null,null,null,null,null,null,"VISA SELECCIÓN COLOMBIA",null,18,"VISA SELECCIÓN COLOMBIA",26490,0.31452000000000002,400000,10000000,"Ambos"]
[null,null,null,null,null,null,"MASTERCARD AGRO",null,19,"MASTERCARD AGRO",16990,0.31452000000000002,500000,300000000,"Ambos"]
[null,null,null,null,null,null,"MASTERCARD BLACK",null,20,"MASTERCARD BLACK",48490,0.31452000000000002,10000000,300000000,"Ambos"]
[null,null,null,null,null,null,"MASTERCARD CLASICA",null,21,"MASTERCARD CLASICA",27990,0.26998899999999998,400000,4900000,2232143.56]
[null,null,null,null,null,null,"MASTERCARD CORPORATIVA",null,22,"MASTERCARD CORPORATIVA",28990,0.31452000000000002,100000,1000000000,"Ambos"]
[null,null,null,null,null,null,"MASTERCARD E-CARD",null,23,"MASTERCARD E-CARD",0,0.31452000000000002,70000,10000000,"Ambos"]
[null,null,null,null,null,null,"MASTERCARD IDEAL",null,24,"MASTERCARD IDEAL",16690,0.26998899999999998,200000,12000000,"Ambos"]
[null,null,null,null,null,null,"MASTERCARD JOVEN",null,25,"MASTERCARD JOVEN",15490,0.26998899999999998,200000,5000000,2232143.56]
[null,null,null,null,null,null,"MASTERCARD ORO",null,26,"MASTERCARD ORO",33390,0.31452000000000002,5000000,50000000,"Ambos"]
[null,null,null,null,null,null,"MASTERCARD PLATINUM",null,27,"MASTERCARD PLATINUM",36950,0.31452000000000002,10000000,200000000,"Ambos"]
[null,null,null,null,null,null,"MASTERCARD NEGOCIOS",null,28,"MASTERCARD NEGOCIOS",28890,0.31452000000000002,500000,850000000,"Ambos"]
[null,null,null,null,null,null,"MASTERCARD SUFI  CLASICA",null,29,"MASTERCARD SUFI  CLASICA",34090,0.26998899999999998,400000,50000000,"Ambos"]
[null,null,null,null,null,null,"MASTERCARD SUFI ORO",null,30,"MASTERCARD SUFI ORO",34090,0.31452000000000002,400000,50000000,"Ambos"]
[null,null,null,null,null,null,null,null,31,"MASTERCARD ÚNICA VIRTUAL",9900,0.31452000000000002,500000,10000000,"Ambos"]
[null,null,null,null,null,null,null,null,32,"MASTERCARD ESSO CLASICA",30790,0.26998899999999998,400000,4900000,2232143.56]
[null,null,null,null,null,null,null,null,33,"MASTERCARD ESSO ORO",35090,0.31452000000000002,5000000,20000000,"Ambos"]