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{"sheet":"Formulario","index":0,"n_rows":17,"n_cols":4,"rows_kept":17,"cut":false,"hidden":false,"merged":[[4,1,5,6]]}
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[]
[]
[null,"INGRESE LOS DATOS PARA SIMULAR EL VALOR TOTAL UNIFICADO DE DEPOSITOS DE AHORRO Y CORRIENTE"]
[]
[]
[null,null,"  Elija el Tipo de cuenta","Cuenta Corriente"]
[null,null,"  Saldo de la Cuenta (UVT)",27.62137469457134]
[null,null,"  Valor UVT en pesos",47065]
[null,null,"  Saldo en pesos",{"$f":"$D$9*$D$10","v":1300000.0000000002}]
[null,null,"  Periodo de simulación (meses)",12]
[null,null,"  Entrega Tarjeta Débito / Manilla de Pago","Tarjeta Debito"]
[null,null,"  ¿Solicitará Tarjeta débito?","Si"]
[null,null,"  ¿Solicitará Talonario?","No"]
[null,null,"  ¿Solicitará Chequera?","No"]
[null,null,"  ¿Qué tipo de Chequera?","Cheque especial sin Logo"]

{"sheet":"Variables","index":1,"n_rows":40,"n_cols":10,"rows_kept":40,"cut":false,"hidden":true,"merged":[[2,7,2,8],[15,7,15,8]]}
[]
[null,"LISTA DESPLEGABLE"]
[null,null,null,"actualizado tarifas 04/SEPTIEMBRE 2025","Sobre el saldo diario",null,null,{"$f":"+D3","v":"actualizado tarifas 04/SEPTIEMBRE 2025"}]
[null,"Tipo de cuenta",null,"PRODUCTO","TASA E.A",null,null,"Chequera","Tarifa","Tarifa + IVA 19%"]
[null,"Cuenta Móvil Nomina",null,"Cuenta Móvil Nomina",{"$f":"+ahorro!M50","v":1E-4},null,null,"Cheque especial sin Logo",{"$f":"+[1]Tarifas!$M$78","v":5250},{"$f":"I5*1.19","v":6247.5}]
[null,"Cuenta Móvil / Villadiario / Rentavillas",null,"Cuenta Móvil / Villadiario / Rentavillas",{"$f":"+ahorro!M50","v":1E-4},null,null,"Cheque especial con Logo",{"$f":"+[1]Tarifas!$M$79","v":5850},{"$f":"I6*1.19","v":6961.5}]
[null,"Cuenta Convenio Sin Nomina",null,"Cuenta Convenio Sin Nomina",{"$f":"+ahorro!M50","v":1E-4},null,null,"Chequera de 15 cheques persona natural",{"$f":"+[1]Tarifas!$M$80","v":123650},147143.5]
[null,"Cuenta para Ahorrar Certivillas",null,"Cuenta para Ahorrar Certivillas",{"$f":"+Simulador!K16","v":1E-3},"De 1M a 10M",null,"Chequera de 30 cheques persona natural o jurídica",{"$f":"+[1]Tarifas!$M$81","v":275700},328083]
[null,"AFC (Ahorro para el fomento de la construcción)",null,"AFC (Ahorro para el fomento de la construcción)",{"$f":"+Simulador!K15","v":5.0000000000000001E-3},"De 0 a 5M",null,"Chequera de 100 cheques persona natural o jurídica",{"$f":"+[1]Tarifas!$M$82","v":836950},995970.5]
[null,"Cuenta Plan Aval",null,"Cuenta Plan Aval",{"$f":"+ahorro!M45","v":0.01}]
[null,"Cuenta Ahorro Tramite Simplificado",null,"Cuenta Ahorro Tramite Simplificado",1E-4]
[null,"Rentavillas Junior",null,"Rentavillas Junior",{"$f":"+ahorro!M9","v":1E-4}]
[null,"Cuenta Corriente",null,"Cuenta Corriente",0]
[null,"Cuenta Premium",null,"Cuenta Premium",{"$f":"+Simulador!K14","v":5.0000000000000001E-3}]
[]
[null,null,null,"actualizado tarifas 04/SEPTIEMBRE 2025",null,null,null,{"$f":"+H3","v":"actualizado tarifas 04/SEPTIEMBRE 2025"}]
[null,null,null,"Entrega medio de manejo (en apertura de cuenta)","Tarifa","Tarifa + IVA 19%",null,"Talonario","Tarifa + IVA 19%"]
[null,"Cupo",null,"Cuenta Móvil Nomina",0,{"$f":"E18*1.19","v":0},null,{"$f":"+[1]Tarifas!$M$53","v":99300},{"$f":"H18*1.19","v":118167}]
[null,26.31,null,"Cuenta Móvil / Villadiario / Rentavillas",0,{"$f":"E19*1.19","v":0},null,{"$f":"+[1]Tarifas!$M$54","v":116200},{"$f":"H19*1.19","v":138278}]
[null,null,null,"Cuenta Convenio Sin Nomina",0,0,null,{"$f":"+H19","v":116200},138278]
[null,null,null,"Cuenta para Ahorrar Certivillas",0,0,null,0,0]
[null,"Opciones",null,"AFC (Ahorro para el fomento de la construcción)",0,0,null,0,0]
[null,"Si",null,"Cuenta Plan Aval",0,{"$f":"E23*1.19","v":0},null,{"$f":"+[1]Tarifas!$M$46","v":8700},{"$f":"H23*1.19","v":10353}]
[null,"No",null,"Cuenta Ahorro Tramite Simplificado",0,{"$f":"E24*1.19","v":0},null,0,{"$f":"H24*1.19","v":0}]
[null,null,null,"Rentavillas Junior",0,{"$f":"E25*1.19","v":0},null,0,{"$f":"H25*1.19","v":0}]
[null,"Entrega",null,"Cuenta Premium",0,0,null,{"$f":"+H19","v":116200},{"$f":"H26*1.19","v":138278}]
[null,"Tarjeta Debito",null,"Cuenta Corriente",0,{"$f":"E27*1.19","v":0}]
[null,"Manilla de Pago"]
[null,"Tarjeta Debito y Manilla de Pago",null,"actualizado tarifas 04/SEPTIEMBRE 2025"]
[null,null,null,"Cuota de manejo","Tarifa","Tarifa + IVA 19%",null,"No aplica tarjeta"]
[null,"Chequeras",null,"Cuenta Móvil Nomina",0,{"$f":"E31*1.19","v":0},null,"SIN IVA SEGU INFO DE LA FUENTE"]
[null,"Cheque especial sin Logo",null,"Cuenta Móvil / Villadiario / Rentavillas",{"$f":"+[1]Tarifas!$M$10","v":20900},{"$f":"E32*1","v":20900},null,"SIN IVA SEGU INFO DE LA FUENTE"]
[null,"Cheque especial con Logo",null,"Cuenta Convenio Sin Nomina",{"$f":"+E32","v":20900},{"$f":"E33*1","v":20900},null,"No aplica tarjeta"]
[null,"Chequera de 15 cheques persona natural",null,"Cuenta para Ahorrar Certivillas",0,0,null,"No aplica tarjeta"]
[null,"Chequera de 30 cheques persona natural o jurídica",null,"AFC (Ahorro para el fomento de la construcción)",0,0,null,"No aplica tarjeta"]
[null,"Chequera de 100 cheques persona natural o jurídica",null,"Cuenta Plan Aval",0,{"$f":"E36*1.19","v":0},null,"No aplica tarjeta"]
[null,null,null,"Cuenta Ahorro Tramite Simplificado",0,{"$f":"E37*1.19","v":0},null,"SIN IVA SEGU INFO DE LA FUENTE"]
[null,null,null,"Rentavillas Junior",{"$f":"+[1]Tarifas!$M$13","v":18850},{"$f":"E38*1","v":18850},null,"SIN IVA SEGU INFO DE LA FUENTE"]
[null,null,null,"Cuenta Premium",{"$f":"+E40","v":20900},{"$f":"E39*1","v":20900}]
[null,null,null,"Cuenta Corriente",{"$f":"+E33","v":20900},{"$f":"E40*1","v":20900}]

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[null,"SIMULACIÓN VALOR TOTAL UNIFICADO DE DE DEPOSITOS DE AHORRO Y CORRIENTE"]
[]
[null,null,{"$f":"TODAY()","v":"2025-10-17"}]
[null,"  Tipo de cuenta",{"$f":"Formulario!D8","v":"Cuenta Corriente"}]
[null,"  Saldo de la Cuenta (UVT)",{"$f":"Formulario!D9","v":27.62137469457134}]
[null,"  Valor UVT en pesos",{"$f":"Formulario!D10","v":47065}]
[null,"  Saldo en pesos",{"$f":"+Formulario!D11","v":1300000.0000000002}]
[null,"  Periodo de simulación (meses)",{"$f":"Formulario!D12","v":12}]
[]
[null,"COBROS ASOCIADOS A LA CUENTA",null,null,null,null,null,null,null,"TASA CTA PREMIUM",{"$f":"+INDEX(ahorro!D62:H68,MATCH(Simulador!C11,ahorro!D62:D68,1),5)","v":5.0000000000000001E-3}]
[null,"  Entrega de medio de manejo (en apertura de cuenta)",{"$f":"SUM($P$25:$P$37)","v":0},null,null,null,null,null,null,"TASA AFC",{"$f":"+INDEX(ahorro!F15:K19,MATCH(Simulador!C11,ahorro!F15:F19,1),6)","v":5.0000000000000001E-3}]
[null,"  Tarifa mes de Tarjeta Débito (Cuota de manejo)",{"$f":"-SUM($Q$25:$Q$37)","v":250800},null,null,null,null,null,null,"TASA CERTIVILLAS",{"$f":"+INDEX(ahorro!D31:K37,MATCH(Simulador!C11,ahorro!D31:D37,1),8)","v":1E-3}]
[null,"  Tarifa mes de Talonario",{"$f":"-SUM(R25:$R$37)","v":0}]
[null,"  Tarifa mes de Chequera",{"$f":"-SUM($S$25:$S$37)","v":0}]
[null,null,null,null,null,null,null,null,null,"TEA",{"$f":"VLOOKUP(Formulario!$D$8,Variables!$D$5:$E$14,2,0)","v":0}]
[null,"VALOR TOTAL UNIFICADO",null,null,null,null,null,null,null,"TNM",{"$f":"IFERROR((NOMINAL($K$19,12)/12),0)","v":0},null,null,null,null,null,null,null,"VTUA%",{"$f":"IRR(T25:T37)","v":-1.5822545234309704E-2}]
[null,{"$f":"IF(C21<0,\"    Valor Total Unificado $ (Costo) \",\"    Valor Total Unificado $\")","v":"    Valor Total Unificado $ (Costo) "},{"$f":"(1+T20)^12-1","v":-0.17418846368511021}]
[null,"    Intereses",{"$f":"SUM(K26:K37)","v":0},null,null,null,null,null,"FLUJO DEL CRÉDITO",null,null,null,null,"FLUJO DEL CLIENTE"]
[]
[null,null,null,null,null,null,null,null,"Periodo","Capital","Intereses","Saldo",null,"Cupo","Intereses","Entrega medio de manejo (en apertura de cuenta","Cuota de manejo","Talonario","Chequera","Saldo cliente"]
[null,"Nota:",null,null,null,null,null,null,0,null,null,{"$f":"$C$11","v":1300000.0000000002},null,{"$f":"-L25","v":-1300000.0000000002},0,{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},{"$f":"IF(Formulario!$D$15=\"No\",0,-VLOOKUP(Formulario!$D$8,Variables!$D$17:$I$26,6,0))","v":0},{"$f":"IFERROR(IF(Formulario!$D$16=\"No\",0,-VLOOKUP(Formulario!$D$17,Variables!$H$4:$J$9,3,0)),0)","v":0},{"$f":"SUM(N25:S25)","v":-1320900.0000000002}]
[null,"De acuerdo a la Normatividad vigente, el Valor Total Unificado de las cuentas de Ahorro, Corriente y Depósitos Electrónicos, corresponde a la diferencia entre los intereses proyectados y los cobros asociados al producto, sin incluir cobros transaccionales, para una cuenta que presente un saldo mensual promedio equivalente a un Salario Mínimo Mensual Legal Vigente durante un período de 12 meses. \n\nLos valores aquí presentados resultan de una proyección por lo tanto no necesariamente corresponden a los valores que va a recibir o pagar con su producto.",null,null,null,null,null,null,1,{"$f":"$L$25","v":1300000.0000000002},{"$f":"J26*$K$20","v":0},{"$f":"$C$11","v":1300000.0000000002},null,0,{"$f":"K26","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},0,0,{"$f":"SUM(N26:S26)","v":-20900}]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(I26+1<=Formulario!$D$11,I26<>0),I26+1,0)","v":2},{"$f":"$L$25","v":1300000.0000000002},{"$f":"J27*$K$20","v":0},1300000.0000000002,null,0,{"$f":"K27","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},0,0,-20900]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(I27+1<=Formulario!$D$11,I27<>0),I27+1,0)","v":3},1300000.0000000002,0,1300000.0000000002,null,0,0,{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},0,0,-20900]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(I28+1<=Formulario!$D$11,I28<>0),I28+1,0)","v":4},1300000.0000000002,0,1300000.0000000002,null,0,0,{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},0,0,-20900]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(I29+1<=Formulario!$D$11,I29<>0),I29+1,0)","v":5},1300000.0000000002,0,1300000.0000000002,null,0,0,{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},0,0,-20900]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(I30+1<=Formulario!$D$11,I30<>0),I30+1,0)","v":6},1300000.0000000002,0,1300000.0000000002,null,0,0,{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},0,0,-20900]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(I31+1<=Formulario!$D$11,I31<>0),I31+1,0)","v":7},1300000.0000000002,0,1300000.0000000002,null,0,0,{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},0,0,-20900]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(I32+1<=Formulario!$D$11,I32<>0),I32+1,0)","v":8},1300000.0000000002,0,1300000.0000000002,null,0,0,{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},0,0,-20900]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(I33+1<=Formulario!$D$11,I33<>0),I33+1,0)","v":9},1300000.0000000002,0,1300000.0000000002,null,0,0,{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},0,0,-20900]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(I34+1<=Formulario!$D$11,I34<>0),I34+1,0)","v":10},1300000.0000000002,0,1300000.0000000002,null,0,0,{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},0,0,-20900]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(I35+1<=Formulario!$D$11,I35<>0),I35+1,0)","v":11},1300000.0000000002,0,1300000.0000000002,null,0,0,{"$f":"-(VLOOKUP($C$8,Variables!$D$17:$F$27,3,0))","v":0},{"$f":"-(VLOOKUP($C$8,Variables!$D$31:$F$40,3,0))","v":-20900},0,0,-20900]
[null,null,null,null,null,null,null,null,{"$f":"IF(AND(I36+1<=Formulario!$D$11,I36<>0),I36+1,0)","v":12},1300000.0000000002,0,1300000.0000000002,null,{"$f":"L37","v":1300000.0000000002},0,0,0,0,0,1300000.0000000002]

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[]
[]
[]
[]
[]
[null,null,null,"     TASAS CUENTAS DE AHORRO",null,null,null,"Vigencia: Desde Septiembre 1 de 2025"]
[]
[null,null,null,"RENTAVILLAS, RENTAVILLAS JUNIOR, RENTAVILLAS EMPRESARIAL "]
[null,null,null,"Liquida la Tasa Base del 0,01% efectivo anual, sobre saldo diario.",null,null,null,null,null,null,null,null,1E-4]
[]
[null,null,null,"AHORRO PARA EL FOMENTO DE LA CONSTRUCCIÓN (AFC)"]
[]
[null,null,null,null,null,"Rango ",null,null,null,null,"Tasa E.A."]
[]
[null,null,null,null,null,0,null,5000000,null,null,5.0000000000000001E-3]
[null,null,null,null,null,5000001,null,20000000,null,null,7.4999999999999997E-3]
[null,null,null,null,null,20000001,null,50000000,null,null,0.01]
[null,null,null,null,null,50000001,null,100000000,null,null,1.2500000000000001E-2]
[null,null,null,null,null,100000001,null,100000000,null,null,1.4999999999999999E-2]
[]
[]
[null,null,null,"1. Para asignar la tasa de interés de la cuenta AFC, se debe tomar el saldo de capital promedio del mes y ubicarlo en la tabla de tasas de interés, según el rango del saldo del capital promedio."]
[null,null,null,"2. Una vez establecida la tasa, se liquida sobre la suma de saldo mas intereses."]
[]
[]
[]
[null,null,null,"CERTIVILLAS"]
[]
[null,null,null,"Rango ",null,null,"Puntos Adicionales Int. Trimestral (*)",null,null,"Tasa Base Int. Diario (*)"]
[]
[null,null,null,0,null,500000,null,"0,00% E.A.",null,null,1E-4]
[null,null,null,500001,null,1000000,null,"0,00% E.A.",null,null,5.0000000000000001E-4]
[null,null,null,1000001,null,10000000,null,"1,75% E.A",null,null,1E-3]
[null,null,null,10000001,null,20000000,null,"2,75% E.A",null,null,1.5E-3]
[null,null,null,20000001,null,50000000,null,"3,25% E.A",null,null,2E-3]
[null,null,null,50000001,null,100000000,null,"4,50% E.A",null,null,2.5000000000000001E-3]
[null,null,null,100000001,null,100000000,null,"5,50% E.A",null,null,3.0000000000000001E-3]
[]
[null,null,null,"(*) La tasa base se liquida sobre saldo diario  y se abona diariamente. Los puntos adicionales se liquidan sobre saldo promedio al final de cada trimestre a partir de la apertura de la cuenta."]
[]
[]
[]
[null,null,null,"PLANAVAL"]
[]
[null,null,null,"Liquida la Tasa Base del 1.00% EA, sobre saldo diario.",null,null,null,null,null,null,null,null,0.01]
[]
[]
[null,null,null,"VILLADIARIO, CUENTA MOVIL, DEPOSITO DE BAJO MONTO, CUENTA DIGITAL"]
[]
[null,null,null,"Liquida la Tasa Base del 0.01% EA, sobre saldo diario.",null,null,null,null,null,null,null,null,1E-4]
[]
[]
[null,null,null,"CUENTAS CORRIENTES"]
[]
[null,null,null,"A las cuentas corrientes no se les reconoce rendimiento"]
[]
[null,null,null,"Las tasas aquí utilizadas se calculan de acuerdo con las definiciones dadas por la Superintendencia Financiera en la circular externa No.060/00"]
[]
[null,null,null,"CUENTA PREMIUM"]
[null,null,null,"Rango ",null,null,null,"Tasa E.A."]
[]
[null,null,null,0,null,5000000,null,5.0000000000000001E-3]
[null,null,null,5000001,null,20000000,null,0.03]
[null,null,null,20000001,null,50000000,null,5.2999999999999999E-2]
[null,null,null,50000001,null,100000000,null,6.5000000000000002E-2]
[null,null,null,100000001,null,250000000,null,7.4999999999999997E-2]
[null,null,null,250000001,null,500000000,null,8.5000000000000006E-2]
[null,null,null,500000001,null,500000000,null,0.09]
[]
[null,null,null,"(*) La tasa de interés se liquida sobre saldo diario y se abonan diariamente"]
[]
[null,null,null,"Las tasas de rentabilidad aquí utilizadas se calculan de acuerdo con las definiciones dadas por la Superintendencia Financiera en la circular externa No.060/00"]