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[null,"SIMULADOR PLAN PAGOS PRÉSTAMO VEHICULAR"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"FECHAS","PAGOS","TCEA 365","TCED","TCEA 360"]
[null,"PRODUCTO","TRADICIONAL","inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+D39","v":"2025-01-10"},{"$f":"-G39","v":-60350},{"$f":"+XIRR($U$8:U8,$T$8:T8)","v":{"$error":"#N/A"}},{"$f":"+POWER(V8+1,1/365)-1","v":{"$error":"#N/A"}},{"$f":"+IF(B39=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B39=$C$16,POWER(W8+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B39=$C$16+1,POWER(W8+1,360)-1,\"\"),\"TRADICIONAL\",IF(B39=$C$16,POWER(W8+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B39=$C$16,POWER(W8+1,360)-1,\"\")))","v":""}]
[null,"MONEDA","SOLES","inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+E40","v":"2025-03-02"},{"$f":"+N40","v":1930.2706875677884},{"$f":"+XIRR($U$8:U9,$T$8:T9)","v":{"$error":"#NUM!"}},{"$f":"+POWER(V9+1,1/365)-1","v":{"$error":"#NUM!"}},{"$f":"+IF(B40=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B40=$C$16,POWER(W9+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B40=$C$16+1,POWER(W9+1,360)-1,\"\"),\"TRADICIONAL\",IF(B40=$C$16,POWER(W9+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B40=$C$16,POWER(W9+1,360)-1,\"\")))","v":""}]
[null,"MONTO ASEGURADO\n(PRECIO DEL VEHÍCULO)",80000,"inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+E41","v":"2025-04-02"},{"$f":"+N41","v":1930.2706875677886},{"$f":"+XIRR($U$8:U10,$T$8:T10)","v":-0.99999928682660766},-3.8034628539717397E-2,{"$f":"+IF(B41=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B41=$C$16,POWER(W10+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B41=$C$16+1,POWER(W10+1,360)-1,\"\"),\"TRADICIONAL\",IF(B41=$C$16,POWER(W10+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B41=$C$16,POWER(W10+1,360)-1,\"\")))","v":""}]
[null,"CUOTA INICIAL",24000,"inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2025-05-02",1930.2706875677884,{"$f":"+XIRR($U$8:U11,$T$8:T11)","v":-0.99993039013425},-2.5885390155775512E-2,{"$f":"+IF(B42=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B42=$C$16,POWER(W11+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B42=$C$16+1,POWER(W11+1,360)-1,\"\"),\"TRADICIONAL\",IF(B42=$C$16,POWER(W11+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B42=$C$16,POWER(W11+1,360)-1,\"\")))","v":""}]
[null,null,null,null,"OCULTAR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2025-06-02",1930.2706875677886,{"$f":"+XIRR($U$8:U12,$T$8:T12)","v":-0.99906011058483279},-1.8914042481620652E-2,{"$f":"+IF(B43=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B43=$C$16,POWER(W12+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B43=$C$16+1,POWER(W12+1,360)-1,\"\"),\"TRADICIONAL\",IF(B43=$C$16,POWER(W12+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B43=$C$16,POWER(W12+1,360)-1,\"\")))","v":""}]
[null,"SERVICIO DE TOMA DE FIRMAS Y DELIVERY, GASTOS NOTARIALES Y REGISTRALES",650,"inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2025-07-02",1930.2706875677884,{"$f":"+XIRR($U$8:U13,$T$8:T13)","v":-0.99521274054422948},-1.4528488767400427E-2,{"$f":"+IF(B44=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B44=$C$16,POWER(W13+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B44=$C$16+1,POWER(W13+1,360)-1,\"\"),\"TRADICIONAL\",IF(B44=$C$16,POWER(W13+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B44=$C$16,POWER(W13+1,360)-1,\"\")))","v":""}]
[null,"GPS",3700,"inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2025-08-02",1930.2706875677884,{"$f":"+XIRR($U$8:U14,$T$8:T14)","v":-0.98534504529088762},-1.1503126687482101E-2,{"$f":"+IF(B45=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B45=$C$16,POWER(W14+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B45=$C$16+1,POWER(W14+1,360)-1,\"\"),\"TRADICIONAL\",IF(B45=$C$16,POWER(W14+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B45=$C$16,POWER(W14+1,360)-1,\"\")))","v":""}]
[null,"MONTO DE PRÉSTAMO",{"$f":"+C10-C11+C13+C14","v":60350},"CALCULADO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2025-09-02",1930.2706875677884,{"$f":"+XIRR($U$8:U15,$T$8:T15)","v":-0.96719694584608085},-9.318594252976875E-3,{"$f":"+IF(B46=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B46=$C$16,POWER(W15+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B46=$C$16+1,POWER(W15+1,360)-1,\"\"),\"TRADICIONAL\",IF(B46=$C$16,POWER(W15+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B46=$C$16,POWER(W15+1,360)-1,\"\")))","v":""}]
[null,"CANTIDAD CUOTAS",60,"inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2025-10-02",1930.2706875677884,{"$f":"+XIRR($U$8:U16,$T$8:T16)","v":-0.94028147291392083},-7.6911281939051612E-3,{"$f":"+IF(B47=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B47=$C$16,POWER(W16+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B47=$C$16+1,POWER(W16+1,360)-1,\"\"),\"TRADICIONAL\",IF(B47=$C$16,POWER(W16+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B47=$C$16,POWER(W16+1,360)-1,\"\")))","v":""}]
[null,"PERIODICIDAD","Mensual","FIJO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2025-11-02",1930.2706875677884,{"$f":"+XIRR($U$8:U17,$T$8:T17)","v":-0.90502836331725112},-6.429044667967454E-3,{"$f":"+IF(B48=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B48=$C$16,POWER(W17+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B48=$C$16+1,POWER(W17+1,360)-1,\"\"),\"TRADICIONAL\",IF(B48=$C$16,POWER(W17+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B48=$C$16,POWER(W17+1,360)-1,\"\")))","v":""}]
[null,"FECHA ACTIVACION","2025-01-10","inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2025-12-02",1930.2706875677884,{"$f":"+XIRR($U$8:U18,$T$8:T18)","v":-0.86310190930962571},-5.4331824565272413E-3,{"$f":"+IF(B49=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B49=$C$16,POWER(W18+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B49=$C$16+1,POWER(W18+1,360)-1,\"\"),\"TRADICIONAL\",IF(B49=$C$16,POWER(W18+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B49=$C$16,POWER(W18+1,360)-1,\"\")))","v":""}]
[null,"FECHA PAGO 1RA CUOTA","2025-03-02","inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-01-02",1930.2706875677882,{"$f":"+XIRR($U$8:U19,$T$8:T19)","v":-0.81596681997179976},-4.6266317148192515E-3,{"$f":"+IF(B50=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B50=$C$16,POWER(W19+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B50=$C$16+1,POWER(W19+1,360)-1,\"\"),\"TRADICIONAL\",IF(B50=$C$16,POWER(W19+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B50=$C$16,POWER(W19+1,360)-1,\"\")))","v":""}]
[null,"TASA DE INTERÉS COMPENSATORIO EFECTIVA ANUAL\n(TEA FIJA)",0.18990000000000001,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-02-02",1930.2706875677882,{"$f":"+XIRR($U$8:U20,$T$8:T20)","v":-0.76533537730574608},-3.9636251744036288E-3,{"$f":"+IF(B51=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B51=$C$16,POWER(W20+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B51=$C$16+1,POWER(W20+1,360)-1,\"\"),\"TRADICIONAL\",IF(B51=$C$16,POWER(W20+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B51=$C$16,POWER(W20+1,360)-1,\"\")))","v":""}]
[null,"SEGURO DESGRAVAMEN MENSUAL",1.2700000000000001E-3,"inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-03-02",1930.2706875677886,{"$f":"+XIRR($U$8:U21,$T$8:T21)","v":-0.71323231384158126},-3.4162959223552614E-3,{"$f":"+IF(B52=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B52=$C$16,POWER(W21+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B52=$C$16+1,POWER(W21+1,360)-1,\"\"),\"TRADICIONAL\",IF(B52=$C$16,POWER(W21+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B52=$C$16,POWER(W21+1,360)-1,\"\")))","v":""}]
[null,"SEGURO VEHICULAR ANUAL",4.8000000000000001E-2,"inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-04-02",1930.2706875677884,{"$f":"+XIRR($U$8:U22,$T$8:T22)","v":-0.66021287366747883},-2.9529901070176612E-3,{"$f":"+IF(B53=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B53=$C$16,POWER(W22+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B53=$C$16+1,POWER(W22+1,360)-1,\"\"),\"TRADICIONAL\",IF(B53=$C$16,POWER(W22+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B53=$C$16,POWER(W22+1,360)-1,\"\")))","v":""}]
[null,"ENVÍO FÍSICO EECC",8.75,"inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-05-02",1930.2706875677886,{"$f":"+XIRR($U$8:U23,$T$8:T23)","v":-0.60741180554032348},-2.5583494146600438E-3,{"$f":"+IF(B54=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B54=$C$16,POWER(W23+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B54=$C$16+1,POWER(W23+1,360)-1,\"\"),\"TRADICIONAL\",IF(B54=$C$16,POWER(W23+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B54=$C$16,POWER(W23+1,360)-1,\"\")))","v":""}]
[null,"MONTO CUOTA BALÓN",0,"inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-06-02",1930.2706875677884,{"$f":"+XIRR($U$8:U24,$T$8:T24)","v":-0.55540869459509867},-2.2183572625577019E-3,{"$f":"+IF(B55=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B55=$C$16,POWER(W24+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B55=$C$16+1,POWER(W24+1,360)-1,\"\"),\"TRADICIONAL\",IF(B55=$C$16,POWER(W24+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B55=$C$16,POWER(W24+1,360)-1,\"\")))","v":""}]
[null,"NRO DE MES CON 1° CUOTA DOBLE",0,"inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-07-02",1930.2706875677882,{"$f":"+XIRR($U$8:U25,$T$8:T25)","v":-0.50485173687338802},-1.923894991145314E-3,{"$f":"+IF(B56=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B56=$C$16,POWER(W25+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B56=$C$16+1,POWER(W25+1,360)-1,\"\"),\"TRADICIONAL\",IF(B56=$C$16,POWER(W25+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B56=$C$16,POWER(W25+1,360)-1,\"\")))","v":""}]
[null,"NRO DE MES CON 2° CUOTA DOBLE",0,"inputar",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-08-02",1930.2706875677884,{"$f":"+XIRR($U$8:U26,$T$8:T26)","v":-0.45599588975310335},-1.6665507910655908E-3,{"$f":"+IF(B57=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B57=$C$16,POWER(W26+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B57=$C$16+1,POWER(W26+1,360)-1,\"\"),\"TRADICIONAL\",IF(B57=$C$16,POWER(W26+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B57=$C$16,POWER(W26+1,360)-1,\"\")))","v":""}]
[null,"VALOR CUOTA",1930.2706875677884,"CALCULADO","OCULTAR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-09-02",1930.2706875677884,{"$f":"+XIRR($U$8:U27,$T$8:T27)","v":-0.40909776017069827},-1.4403444194571735E-3,{"$f":"+IF(B58=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B58=$C$16,POWER(W27+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B58=$C$16+1,POWER(W27+1,360)-1,\"\"),\"TRADICIONAL\",IF(B58=$C$16,POWER(W27+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B58=$C$16,POWER(W27+1,360)-1,\"\")))","v":""}]
[null,"SALDO FINAL",{"$f":"+ROUND(C36,2)","v":61402.879999999997},"CALCULADO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-10-02",1930.2706875677886,{"$f":"+XIRR($U$8:U28,$T$8:T28)","v":-0.364361933618784},-1.2406707053052024E-3,{"$f":"+IF(B59=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B59=$C$16,POWER(W28+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B59=$C$16+1,POWER(W28+1,360)-1,\"\"),\"TRADICIONAL\",IF(B59=$C$16,POWER(W28+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B59=$C$16,POWER(W28+1,360)-1,\"\")))","v":""}]
[null,"TCEA",{"$f":"ROUND(MAX(X8:X79),4)","v":0.32050000000000001},"CALCULADO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-11-02",1930.2706875677884,{"$f":"+XIRR($U$8:U29,$T$8:T29)","v":-0.32178698852658277},-1.0632531513224963E-3,{"$f":"+IF(B60=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B60=$C$16,POWER(W29+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B60=$C$16+1,POWER(W29+1,360)-1,\"\"),\"TRADICIONAL\",IF(B60=$C$16,POWER(W29+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B60=$C$16,POWER(W29+1,360)-1,\"\")))","v":""}]
[null,"CUOTA REDON.",{"$f":"+ROUND(C27,2)","v":1930.27},"CALCULADO","OCULTAR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2026-12-02",1930.2706875677882,{"$f":"+XIRR($U$8:U30,$T$8:T30)","v":-0.2814288623631},-9.0504381652167787E-4,{"$f":"+IF(B61=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B61=$C$16,POWER(W30+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B61=$C$16+1,POWER(W30+1,360)-1,\"\"),\"TRADICIONAL\",IF(B61=$C$16,POWER(W30+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B61=$C$16,POWER(W30+1,360)-1,\"\")))","v":""}]
[null,"INTERESES",{"$f":"+ROUND(J112,2)","v":31944.79},"CALCULADO","OCULTAR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2027-01-02",1930.2706875677884,{"$f":"+XIRR($U$8:U31,$T$8:T31)","v":-0.24321584627032283},-7.63207786697917E-4,{"$f":"+IF(B62=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B62=$C$16,POWER(W31+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B62=$C$16+1,POWER(W31+1,360)-1,\"\"),\"TRADICIONAL\",IF(B62=$C$16,POWER(W31+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B62=$C$16,POWER(W31+1,360)-1,\"\")))","v":""}]
[null,"SEG VEH",{"$f":"+L112","v":19200},"CALCULADO","OCULTAR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2027-02-02",1930.2706875677886,{"$f":"+XIRR($U$8:U32,$T$8:T32)","v":-0.20710012987256055},-6.3557419052195918E-4,{"$f":"+IF(B63=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B63=$C$16,POWER(W32+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B63=$C$16+1,POWER(W32+1,360)-1,\"\"),\"TRADICIONAL\",IF(B63=$C$16,POWER(W32+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B63=$C$16,POWER(W32+1,360)-1,\"\")))","v":""}]
[null,"SEG DESG",{"$f":"+K112","v":2743.5615764670429},"CALCULADO","OCULTAR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2027-03-02",1930.2706875677884,{"$f":"+XIRR($U$8:U33,$T$8:T33)","v":-0.17306395694613458},-5.2048894529022061E-4,{"$f":"+IF(B64=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B64=$C$16,POWER(W33+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B64=$C$16+1,POWER(W33+1,360)-1,\"\"),\"TRADICIONAL\",IF(B64=$C$16,POWER(W33+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B64=$C$16,POWER(W33+1,360)-1,\"\")))","v":""}]
[null,"PORTES",{"$f":"+M112","v":525},"CALCULADO","OCULTAR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2027-04-02",1930.2706875677884,{"$f":"+XIRR($U$8:U34,$T$8:T34)","v":-0.14094774611294272},-4.1614770919795596E-4,{"$f":"+IF(B65=\"\",\"\",_xlfn.SWITCH($C$8,\"PLAN 50/50\",IF(B65=$C$16,POWER(W34+1,360)-1,\"\"),\"COMPRA MAESTRA\",IF(B65=$C$16+1,POWER(W34+1,360)-1,\"\"),\"TRADICIONAL\",IF(B65=$C$16,POWER(W34+1,360)-1,\"\"),\"CUOTA FLEX\",IF(B65=$C$16,POWER(W34+1,360)-1,\"\")))","v":""}]
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[]
[]
[null,"Notas:"]
[null,"1. La información detallada en el presente cronograma es preliminar y referencial, se genera en base a los datos ingresados y podría no coincidir con\naquello que se muestre en el cronograma final. La fecha del primer vencimiento y el valor de la cuota que aquí se muestran, pueden variar según la\nfecha de activación del crédito, de la determinación del monto asegurado (precio final del vehículo), entre otros. El presente Cronograma es un\ndocumento preliminar que será reemplazado por el documento final (Cronograma Final), en un plazo no mayor a treinta (30) días hábiles desde la entrega\ndel preliminar. El monto principal objeto del crédito efectivamente aprobado será comunicado al momento de desembolsar el mismo, el cual inclusive\npodría no otorgarse como resultado de la evaluación crediticia. Ante el incumplimiento del pago según las condiciones pactadas, se procede a realizar\nel reporte, con la calificación correspondiente, a la Central de Riesgos.\n2. El Seguro de Desgravamen se calcula sobre el saldo del monto financiado y el Seguro Vehicular se calcula sobre el Monto Asegurado.\nEl costo de estos seguros es el cobrado por la Compañía de Seguros de acuerdo a las\ncondiciones establecidas por ésta, por lo que podría estar sujeta a variación y/o recargo. En el caso del Seguro de Desgravamen se podrá elegir\nlibremente entre dos planes de seguros: básico o con devolución de primas. Se podrá contratar libremente el/os seguro/s\nConsumer; o, contratar su/s póliza/s directamente con una compañía de seguros y solicitar el endoso de la/s misma/s a favor de Santander Consumer\nhasta la cancelación total del préstamo, condicionado/s a la evaluación correspondiente. No se cobra comisión por el endoso de una póliza de vida que\nreemplace al seguro de desgravamen. El procedimiento para el endoso se en cuentraen www.santanderconsumer.com.pe, sección Portal de Transparencia.\n3. El monto asegurado es el precio final del vehículo materia del préstamo. Se utiliza para la determinación del costo del Seguro Vehicular.\n4. Los días de gracia es el periodo que transcurre entre la fecha de desembolso del préstamo y el día que se inicia el devengo de la primera cuota a pagar, lo\ncual ocurre un mes antes del primer vencimiento de pago. Durante estos días de gracia se generan intereses compensatorios, así como la obligación del\npago de los seguros correspondientes. Los intereses compensatorios y el pago de los seguros generados durante los días de gracia serán financiados en\nlas mismas condiciones del préstamo formando parte del capital para el cálculo del importe de las cuotas a pagar. El \"Monto de Préstamo Capitalizado\"\nes la suma del \"Monto del Préstamo\" más el \"Monto a Capitalizar\" (que incluye los intereses, comisiones y gastos generados en los días de gracia).\n5. LA POSITIVA es la compañía de seguros que emite las pólizas de seguro vehicular Nro. 230240533 / 230241627 / 230240509 / 230241636 / 230240536 /\n230241704 / 230240538 / 2302419 / 230240521 / 230240522 en soles y Nro. 230240524 / 230241547 / 2230240535 / 230241635 / 230240518 / 230241703 /\n230240519 / 230241697 / 230240510 / 230240511 en dólares y MAPFRE SEGUROS, que emite las pólizas N” 30103244 / 30103245/30102227 en Soles y N°\n30103243 / 30103245 / 30102226 en dólares. Seguro vehicular, las principales coberturas de los riesgos autorizados en caso se siniestros son: Daño\nPropio (robo y pérdida total o parcial); responsabilidad civil frente a terceros, responsabilidad civil de los ocupantes del vehículo (muerte,\ninvalidez permanente, gastos de curación, gastos de sepelio); accesorios musicales, Riesgos de la naturaleza; ausencia de control, responsabilidad\ncivil por ausencia de control; etc. Los valores cubiertos, deducibles, y cláusulas adicionales corresponden a cada aseguradora y se detallan en la\npóliza del seguro vehicular."]