{"id":1429,"date":"2026-05-14T15:17:29","date_gmt":"2026-05-14T15:17:29","guid":{"rendered":"https:\/\/smartcuytec.com\/coopac15\/?page_id=1429"},"modified":"2026-06-02T16:07:31","modified_gmt":"2026-06-02T16:07:31","slug":"simulador-creditos","status":"publish","type":"page","link":"https:\/\/smartcuytec.com\/coopac15\/index.php\/simulador-creditos\/","title":{"rendered":"Simulador de Cr\u00e9ditos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1429\" class=\"elementor elementor-1429\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67133c7f e-flex e-con-boxed e-con e-parent\" data-id=\"67133c7f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e8d20c6 e-con-full e-flex e-con e-child\" data-id=\"e8d20c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74cfb34b elementor-widget elementor-widget-heading\" data-id=\"74cfb34b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Simulador de Cr\u00e9ditos<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cc9b3fb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2cc9b3fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59e94b88 e-flex e-con-boxed e-con e-parent\" data-id=\"59e94b88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-516e8bb9 e-con-full e-flex e-con e-child\" data-id=\"516e8bb9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9eccca elementor-invisible elementor-widget elementor-widget-image\" data-id=\"b9eccca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/smartcuytec.com\/coopac15\/wp-content\/uploads\/2026\/06\/WhatsApp-Image-2026-05-29-at-12.27.02-300x300.jpeg\" class=\"attachment-medium size-medium wp-image-2667\" alt=\"\" srcset=\"https:\/\/smartcuytec.com\/coopac15\/wp-content\/uploads\/2026\/06\/WhatsApp-Image-2026-05-29-at-12.27.02-300x300.jpeg 300w, https:\/\/smartcuytec.com\/coopac15\/wp-content\/uploads\/2026\/06\/WhatsApp-Image-2026-05-29-at-12.27.02-150x150.jpeg 150w, https:\/\/smartcuytec.com\/coopac15\/wp-content\/uploads\/2026\/06\/WhatsApp-Image-2026-05-29-at-12.27.02-768x768.jpeg 768w, https:\/\/smartcuytec.com\/coopac15\/wp-content\/uploads\/2026\/06\/WhatsApp-Image-2026-05-29-at-12.27.02.jpeg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-374ce05c e-con-full e-flex e-con e-child\" data-id=\"374ce05c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5eeb64f9 elementor-view-framed elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"5eeb64f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-pencil-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.9 142.1l-46.1 46.1c-4.7 4.7-12.3 4.7-17 0l-111-111c-4.7-4.7-4.7-12.3 0-17l46.1-46.1c18.7-18.7 49.1-18.7 67.9 0l60.1 60.1c18.8 18.7 18.8 49.1 0 67.9zM284.2 99.8L21.6 362.4.4 483.9c-2.9 16.4 11.4 30.6 27.8 27.8l121.5-21.3 262.6-262.6c4.7-4.7 4.7-12.3 0-17l-111-111c-4.8-4.7-12.4-4.7-17.1 0zM124.1 339.9c-5.5-5.5-5.5-14.3 0-19.8l154-154c5.5-5.5 14.3-5.5 19.8 0s5.5 14.3 0 19.8l-154 154c-5.5 5.5-14.3 5.5-19.8 0zM88 424h48v36.3l-64.5 11.3-31.1-31.1L51.7 376H88v48z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLos resultados son proyecciones estimadas. El monto y la tasa final est\u00e1n sujetos a evaluaci\u00f3n crediticia y pol\u00edticas internas.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2ca3a8 elementor-view-framed elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"d2ca3a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-gem\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 0H112c-4 0-7.8 2-10 5.4L2 152.6c-2.9 4.4-2.6 10.2.7 14.2l276 340.8c4.8 5.9 13.8 5.9 18.6 0l276-340.8c3.3-4.1 3.6-9.8.7-14.2L474.1 5.4C471.8 2 468.1 0 464 0zm-19.3 48l63.3 96h-68.4l-51.7-96h56.8zm-202.1 0h90.7l51.7 96H191l51.6-96zm-111.3 0h56.8l-51.7 96H68l63.3-96zm-43 144h51.4L208 352 88.3 192zm102.9 0h193.6L288 435.3 191.2 192zM368 352l68.2-160h51.4L368 352z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSus datos est\u00e1n protegidos bajo la Ley N\u00b0 29733. Al simular, acepta el tratamiento de su informaci\u00f3n para fines institucionales.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9863f5a e-flex e-con-boxed e-con e-parent\" data-id=\"9863f5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-188edce elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-shortcode\" data-id=\"188edce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[stm-calc id=\"1426\"]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-114f5c0 elementor-invisible elementor-widget elementor-widget-html\" data-id=\"114f5c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n    .simulador-container {\r\n        font-family: 'Arial', sans-serif;\r\n        max-width: 600px;\r\n        margin: 0 auto;\r\n        padding: 25px;\r\n        background: #ffffff;\r\n        border-radius: 10px;\r\n        box-shadow: 0 4px 15px rgba(0,0,0,0.1);\r\n    }\r\n    .simulador-titulo {\r\n        color: #003366;\r\n        text-align: center;\r\n        margin-bottom: 25px;\r\n        font-weight: bold;\r\n    }\r\n    .form-group {\r\n        margin-bottom: 20px;\r\n    }\r\n    .form-group label {\r\n        display: block;\r\n        font-weight: bold;\r\n        margin-bottom: 8px;\r\n        color: #333;\r\n    }\r\n    .form-control {\r\n        width: 100%;\r\n        padding: 10px;\r\n        border: 1px solid #ccc;\r\n        border-radius: 5px;\r\n        font-size: 16px;\r\n        box-sizing: border-box;\r\n    }\r\n    .range-container {\r\n        display: flex;\r\n        align-items: center;\r\n        gap: 15px;\r\n    }\r\n    .range-slider {\r\n        flex: 1;\r\n    }\r\n    .range-val {\r\n        font-weight: bold;\r\n        color: #003366;\r\n        min-width: 60px;\r\n        text-align: right;\r\n    }\r\n    .resultado-cuota {\r\n        background: #f4f7fa;\r\n        border-left: 5px solid #003366;\r\n        padding: 15px;\r\n        margin-top: 25px;\r\n        text-align: center;\r\n        border-radius: 0 5px 5px 0;\r\n    }\r\n    .resultado-cuota h4 {\r\n        margin: 0;\r\n        color: #555;\r\n    }\r\n    .monto-cuota {\r\n        font-size: 28px;\r\n        font-weight: bold;\r\n        color: #003366;\r\n        margin-top: 5px;\r\n    }\r\n    \/* Estilos de la Tabla *\/\r\n    .tabla-container {\r\n        margin-top: 30px;\r\n        overflow-x: auto;\r\n    }\r\n    .tabla-cronograma {\r\n        width: 100%;\r\n        border-collapse: collapse;\r\n        font-size: 14px;\r\n        text-align: left;\r\n    }\r\n    .tabla-cronograma th {\r\n        background-color: #003366;\r\n        color: white;\r\n        padding: 12px;\r\n        border: 1px solid #ddd;\r\n    }\r\n    .tabla-cronograma td {\r\n        padding: 10px;\r\n        border: 1px solid #ddd;\r\n    }\r\n    .text-center { text-align: center; }\r\n    .text-bold { font-weight: bold; }\r\n    .text-danger { color: #cc0000; }\r\n<\/style>\r\n\r\n<div class=\"simulador-container\">\r\n    <h3 class=\"simulador-titulo\">Simulador de Cr\u00e9ditos COOPAC<\/h3>\r\n    \r\n    <div class=\"form-group\">\r\n        <label for=\"tipo_producto\">Tipo de Producto:<\/label>\r\n        <select id=\"tipo_producto\" class=\"form-control\">\r\n            <option value=\"1.70\" data-max=\"48\">ORDINARIO (TEM: 1.70% - M\u00e1x. 48 meses)<\/option>\r\n            <option value=\"0.80\" data-max=\"48\">CUBIERTO (TEM: 0.80% - M\u00e1x. 48 meses)<\/option>\r\n            <option value=\"1.00\" data-max=\"23\">PROMOCIONAL \/ SOCIO NUEVO (TEM: 1.00% - M\u00e1x. 23 meses)<\/option>\r\n            <option value=\"1.40\" data-max=\"48\">QUINCE CASH (TEM: 1.40% - M\u00e1x. 48 meses)<\/option>\r\n            <option value=\"1.70\" data-max=\"60\">ESPECIAL (TEM: 1.70% - M\u00e1x. 60 meses)<\/option>\r\n            <option value=\"1.20\" data-max=\"72\">SUPER ESPECIAL (TEM: 1.20% - M\u00e1x. 72 meses)<\/option>\r\n            <option value=\"1.80\" data-max=\"48\">CREDICRECE (TEM: 1.80% - M\u00e1x. 48 meses)<\/option>\r\n        <\/select>\r\n    <\/div>\r\n\r\n    <div class=\"form-group\">\r\n        <label for=\"monto_prestamo\">\u00bfCu\u00e1nto dinero necesitas? (S\/.):<\/label>\r\n        <input type=\"number\" id=\"monto_prestamo\" class=\"form-control\" value=\"5000\" min=\"500\" step=\"100\">\r\n    <\/div>\r\n\r\n    <div class=\"form-group\">\r\n        <label for=\"plazo_meses\">Plazo en meses:<\/label>\r\n        <div class=\"range-container\">\r\n            <input type=\"range\" id=\"plazo_meses\" class=\"range-slider\" min=\"1\" max=\"48\" value=\"12\">\r\n            <span id=\"plazo_txt\" class=\"range-val\">12 meses<\/span>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"resultado-cuota\">\r\n        <h4>Cuota Mensual Estimada:<\/h4>\r\n        <div id=\"cuota_estimada\" class=\"monto-cuota\">S\/. 0.00<\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n<div id=\"area-cronograma\" class=\"tabla-container\" style=\"max-width: 700px; margin: 30px auto; display: none;\">\r\n    <h4 style=\"color: #003366; margin-bottom: 15px; font-weight: bold;\">Cronograma de Pagos Proyectado<\/h4>\r\n    <table class=\"tabla-cronograma\">\r\n        <thead>\r\n            <tr>\r\n                <th class=\"text-center\">N\u00b0 Cuota<\/th>\r\n                <th>Saldo Capital<\/th>\r\n                <th>Amortizaci\u00f3n<\/th>\r\n                <th>Inter\u00e9s<\/th>\r\n                <th>Cuota Total<\/th>\r\n            <\/tr>\r\n        <\/thead>\r\n        <tbody id=\"tabla_cuerpo\">\r\n            <\/tbody>\r\n    <\/table>\r\n<\/div>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    \r\n    \/\/ Mapeo de elementos del DOM\r\n    const selectProducto = document.getElementById('tipo_producto');\r\n    const inputMonto = document.getElementById('monto_prestamo');\r\n    const sliderPlazo = document.getElementById('plazo_meses');\r\n    const txtPlazo = document.getElementById('plazo_txt');\r\n    const divCuota = document.getElementById('cuota_estimada');\r\n    \r\n    const areaCronograma = document.getElementById('area-cronograma');\r\n    const cuerpoTabla = document.getElementById('tabla_cuerpo');\r\n\r\n    \/\/ Funci\u00f3n que recalcula todo din\u00e1micamente\r\n    function simularCredito() {\r\n        let tem = parseFloat(selectProducto.value) \/ 100;\r\n        let monto = parseFloat(inputMonto.value);\r\n        let meses = parseInt(sliderPlazo.value, 10);\r\n        \r\n        \/\/ Actualizar el texto del slider\r\n        txtPlazo.innerText = meses + (meses === 1 ? \" mes\" : \" meses\");\r\n\r\n        \/\/ Control de errores b\u00e1sicos\r\n        if (isNaN(monto) || monto <= 0 || isNaN(meses) || meses <= 0) {\r\n            divCuota.innerText = \"S\/. 0.00\";\r\n            areaCronograma.style.display = \"none\";\r\n            return;\r\n        }\r\n\r\n        \/\/ F\u00d3RMULA DIRECTA DEL SISTEMA FRANC\u00c9S (Cuota Constante)\r\n        \/\/ R = P * [ (i * (1+i)^n) \/ ((1+i)^n - 1) ]\r\n        let factor = (tem * Math.pow(1 + tem, meses)) \/ (Math.pow(1 + tem, meses) - 1);\r\n        let cuotaMensual = monto * factor;\r\n\r\n        \/\/ Imprimir cuota en el contenedor principal\r\n        divCuota.innerText = \"S\/. \" + cuotaMensual.toFixed(2);\r\n\r\n        \/\/ GENERACI\u00d3N DE LA TABLA DE AMORTIZACI\u00d3N\r\n        cuerpoTabla.innerHTML = \"\";\r\n        let saldoCapital = monto;\r\n        areaCronograma.style.display = \"block\";\r\n\r\n        for (let i = 1; i <= meses; i++) {\r\n            let interesMes = saldoCapital * tem;\r\n            let amortizacionMes = cuotaMensual - interesMes;\r\n\r\n            \/\/ Ajuste de centavos para la \u00faltima cuota (Cierre de saldo)\r\n            if (i === meses) {\r\n                amortizacionMes = saldoCapital;\r\n                cuotaMensual = amortizacionMes + interesMes;\r\n                saldoCapital = 0;\r\n            } else {\r\n                saldoCapital = saldoCapital - amortizacionMes;\r\n            }\r\n\r\n            \/\/ Construcci\u00f3n nativa de la fila\r\n            let fila = document.createElement('tr');\r\n            if (i % 2 === 0) fila.style.backgroundColor = \"#f9f9f9\";\r\n\r\n            fila.innerHTML = `\r\n                <td class=\"text-center text-bold\">${i}<\/td>\r\n                <td>S\/. ${(saldoCapital + amortizacionMes).toFixed(2)}<\/td>\r\n                <td>S\/. ${amortizacionMes.toFixed(2)}<\/td>\r\n                <td class=\"text-danger\">S\/. ${interesMes.toFixed(2)}<\/td>\r\n                <td class=\"text-bold\" style=\"color: #003366;\">S\/. ${cuotaMensual.toFixed(2)}<\/td>\r\n            `;\r\n            cuerpoTabla.appendChild(fila);\r\n        }\r\n    }\r\n\r\n    \/\/ Adaptar din\u00e1micamente el l\u00edmite del slider seg\u00fan el producto seleccionado\r\n    function actualizarLimitesProducto() {\r\n        let opcionSeleccionada = selectProducto.options[selectProducto.selectedIndex];\r\n        let maxMeses = parseInt(opcionSeleccionada.getAttribute('data-max'), 10);\r\n        \r\n        sliderPlazo.max = maxMeses;\r\n        if (parseInt(sliderPlazo.value, 10) > maxMeses) {\r\n            sliderPlazo.value = maxMeses;\r\n        }\r\n        simularCredito();\r\n    }\r\n\r\n    \/\/ Listeners reactivos globales (Ejecuci\u00f3n al instante)\r\n    selectProducto.addEventListener('change', actualizarLimitesProducto);\r\n    \r\n    ['input', 'change', 'keyup'].forEach(evt => {\r\n        inputMonto.addEventListener(evt, simularCredito);\r\n        sliderPlazo.addEventListener(evt, simularCredito);\r\n    });\r\n\r\n    \/\/ Carga inicial autom\u00e1tica\r\n    actualizarLimitesProducto();\r\n});\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Simulador de Cr\u00e9ditos Los resultados son proyecciones estimadas. El monto y la tasa final est\u00e1n sujetos a evaluaci\u00f3n crediticia y pol\u00edticas internas. Sus datos est\u00e1n protegidos bajo la Ley N\u00b0 29733. Al simular, acepta el tratamiento de su informaci\u00f3n para fines institucionales. [stm-calc id=\u00bb1426&#8243;] Simulador de Cr\u00e9ditos COOPAC Tipo de Producto: ORDINARIO (TEM: 1.70% &#8211; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-1429","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/smartcuytec.com\/coopac15\/index.php\/wp-json\/wp\/v2\/pages\/1429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartcuytec.com\/coopac15\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smartcuytec.com\/coopac15\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smartcuytec.com\/coopac15\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartcuytec.com\/coopac15\/index.php\/wp-json\/wp\/v2\/comments?post=1429"}],"version-history":[{"count":109,"href":"https:\/\/smartcuytec.com\/coopac15\/index.php\/wp-json\/wp\/v2\/pages\/1429\/revisions"}],"predecessor-version":[{"id":2700,"href":"https:\/\/smartcuytec.com\/coopac15\/index.php\/wp-json\/wp\/v2\/pages\/1429\/revisions\/2700"}],"wp:attachment":[{"href":"https:\/\/smartcuytec.com\/coopac15\/index.php\/wp-json\/wp\/v2\/media?parent=1429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}