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{"sheet":"Cotizador","index":0,"n_rows":52,"n_cols":8,"rows_kept":52,"cut":false,"hidden":false,"merged":[[19,2,19,3],[20,2,20,3],[24,2,24,3],[22,2,23,3],[35,0,52,0],[51,2,51,7],[48,2,48,7],[49,2,49,7],[25,2,25,3],[26,2,26,3],[27,2,27,3],[28,2,28,3],[29,2,29,3],[30,2,30,3],[31,2,31,3],[33,2,33,7],[18,2,18,3],[35,2,35,7],[7,2,7,7],[39,2,39,7],[42,2,43,7],[13,2,13,4],[14,2,15,7],[22,5,23,5],[22,6,23,6],[22,7,23,7],[34,2,34,7],[40,2,40,7],[41,2,41,7],[32,2,32,3],[17,2,17,3],[22,4,23,4]]}
[]
[]
[]
[null,null,null,null,{"$error":"#VALUE!"}]
[null,null,null,null,null,null,null,{"$f":"+TODAY()","v":"2025-01-13"}]
[]
[]
[null,null,"COTIZADOR PARA LA FINANCIACIÓN DE SU PÓLIZA"]
[]
[]
[]
[]
[]
[null,null,"Apreciado Cliente :"]
[null,null,"Antes de pagar sus pólizas de seguros  pregunte por  las diferentes alternativas de financiación, de acuerdo a sus necesidades:"]
[]
[]
[null,null,"PRODUCTO",null,null,"AUTOS"]
[null,null,"VALOR POLIZA ",null,null,0]
[null,null,"INICIO DE VIGENCIA",null,null,"2024-12-10"]
[null,null,"DIAS DE VIGENCIA",null,null,{"$f":"+TODAY()-F20","v":34}]
[]
[null,null,"Opción de Financiación ",null,"Valor Cuota","Valor Cuota","TASA MV","No. de Días para legalización de la financiación según fecha de inicio de vigencia de la póliza"]
[]
[null,null,"2 Cuotas iguales                             ",null,{"$f":"IF($F$21<=40,TASAS!$M$2,\"N/A\")","v":0},{"$f":"+IF(($F$19-E25)>350000,E25,\"N/A\")","v":"N/A"},{"$f":"+TASAS!$N$2","v":0},"Hasta 40 días  calendario"]
[null,null,"3 Cuotas iguales                             ",null,{"$f":"IF($F$21<=40,TASAS!$M$3,\"N/A\")","v":0},"N/A",{"$f":"+TASAS!$N$3","v":0},"Hasta 40 días  calendario"]
[null,null,"4  Cuotas iguales                             ",null,{"$f":"IF($F$21<=40,TASAS!$M$4,\"N/A\")","v":0},"N/A",{"$f":"+TASAS!$N$4","v":0},"Hasta 40 días  calendario"]
[null,null,"5 Cuotas iguales                             ",null,{"$f":"IF($F$21<=40,$F$19*TASAS!D10,\"N/A\")","v":0},{"$f":"+IF(($F$19-E28)>350000,E28,\"N/A\")","v":"N/A"},1.7999999999999999E-2,"Hasta 40 días  calendario"]
[null,null,"6 Cuotas iguales                             ",null,{"$f":"IF($F$21<=40,$F$19*TASAS!D11,\"N/A\")","v":0},{"$f":"+IF(($F$19-E29)>350000,E29,\"N/A\")","v":"N/A"},1.7999999999999999E-2,"Hasta 40 días  calendario"]
[null,null,"7 Cuotas iguales                             ",null,{"$f":"IF($F$21<=40,$F$19*TASAS!E12,\"N/A\")","v":0},"N/A",2.1999999999999999E-2,"Hasta 40 días  calendario"]
[null,null,"8 Cuotas iguales                             ",null,{"$f":"IF($F$21<=40,$F$19*TASAS!E13,\"N/A\")","v":0},{"$f":"+IF(($F$19-E31)>350000,E31,\"N/A\")","v":"N/A"},2.1999999999999999E-2,"Hasta 40 días  calendario"]
[null,null,"9 Cuotas iguales                             ",null,{"$f":"IF($F$21<=40,$F$19*TASAS!E14,\"N/A\")","v":0},"N/A",2.1999999999999999E-2,"Hasta 40 días  calendario"]
[null,null,"10 Cuotas iguales                             ",null,{"$f":"IF($F$21<=40,$F$19*TASAS!E15,\"N/A\")","v":0},"N/A",2.1999999999999999E-2,"Hasta 40 días  calendario"]
[]
[null,null,"Ramos Financiables (Autos, Motos, Generales y Salud)\nMonto mínimo a financiar $350.000.\nMonto Máximo a finaciar $170.000.000"]
["Elaborado por : GERENCIA DE OPERACIONES FINANCIERAS (Bogotá D.C) Enero 2025",null,"La PRIMERA CUOTA de financiación se puede recaudar por:\n  - PSE A TRAVES DE LA OFICINA VIRTUAL\n- Convenio 20196  de Bancolombia y Corresponsales Bancarios"]
[]
[null,null,"DEBE TENER EN CUENTA:"]
[]
[null,null,"Una vez decida financiar, las solicitudes de cotización o expedición de pagarés, quedarán disponibles en el aplicativo PSE. Para ello, el cliente debe ingresar a la página web:"]
[null,null,"https://www.abcpagos.com/hdi/"]
[null,null,"Por favor realiza los siguientes pasos:\n1. En el módulo de Solicitar Financiación, selecciona el número de cuotas, ingresa tu correo electrónico y número de celular luego acepta términos y condiciones.  \n"]
[null,null,"2. En el módulo de Realiza el pago de tus cuotas ingresa tu número de documento, escoge la referencia de financiación y realiza el pago a través de PSE"]
[]
[null,null,"Esto podrás realizarlo en línea desde el momento de emisión de la póliza y a más tardar el día 40 de vigencia de la misma. "]
[]
[null,null,"Recuerda que ahora únicamente tus solicitudes de financiaciones deben ser tramitados a través del link relacionado "]
[]
[null,null,"La presente cotización está sujeta al cumplimiento de las políticas de Financiación de primas de HDI SEGUROS COLOMBIA S.A. y HDI COMPAÑÍA DE INVERSIONES Y SERVICIOS S.A.S.  y a la veracidad de la información aquí suministrada."]
[null,null,"Este documento no supone asunción de riesgo alguno por parte de HDI SEGUROS COLOMBIA S.A. y HDI COMPAÑÍA DE INVERSIONES Y SERVICIOS S.A.S. y por lo tanto no genera ningún tipo de responsabilidad en cabeza de dichas compañías."]
[]
[null,null,"Canales de Atención Financiación:\nwww.hdiseguros.com.co/zona-de-cliente/contactanos\nTeléfono fijo Bogota             601 4924820\nCelular                                   3336026900\nWhatsApp                             3046472333\n"]

{"sheet":"TASAS","index":1,"n_rows":27,"n_cols":14,"rows_kept":27,"cut":false,"hidden":true,"merged":[[4,5,4,6],[0,2,0,3],[1,4,2,4],[4,2,4,3],[1,0,2,0],[1,1,2,1],[1,2,2,3],[0,5,0,6],[1,5,2,6]]}
[null,"TASA PLENA","TASA PREFERENCIAL",null,"TASA PLENA","TASA PREFERENCIAL",null,null,null,null,"CI SIN TASA","VR FINANCIADO","VR CUOTA","TASA"]
["Tasa mensual con IVA",2.1999999999999999E-2,1.7999999999999999E-2,null,2.1999999999999999E-2,1.2E-2,null,null,null,"DOS IGUALES",{"$f":"+Cotizador!$F$19/2","v":0},{"$f":"+Cotizador!$F$19-TASAS!K2","v":0},{"$f":"+IF(L2<10000000,K2,Cotizador!F19*TASAS!G7)","v":0},{"$f":"+IF(L2<10000000,0%,1.2%)","v":0}]
[null,null,null,null,null,null,null,null,null,"TRES IGUALS",{"$f":"+Cotizador!$F$19/3","v":0},{"$f":"+Cotizador!$F$19-TASAS!K3","v":0},{"$f":"+IF(L3<10000000,K3,Cotizador!$F$19*TASAS!G8)","v":0},{"$f":"+IF(L3<10000000,0%,1.2%)","v":0}]
[null,null,null,null,"CUOTAS IGUALES",null,null,null,null,"CUATRO IGUALES",{"$f":"+Cotizador!$F$19/4","v":0},{"$f":"+Cotizador!$F$19-TASAS!K4","v":0},{"$f":"+IF(L4<10000000,K4,Cotizador!$F$19*TASAS!G9)","v":0},{"$f":"+IF(L4<10000000,0%,1.2%)","v":0}]
["No. CUOTAS","FACTOR","FACTOR",null,"FACTOR","FACTOR"]
[1,{"$f":"+-PMT($B$2,A6,1000)/1000","v":1.022},{"$f":"+-PMT($C$2,A6,1000)/1000","v":1.0179999999999998},null,null,{"$f":"+-PMT($F$2,A6,1000)/1000","v":1.012}]
[2,{"$f":"+-PMT($B$2,A7,1000)/1000","v":0.51655984174085068},{"$f":"+-PMT($C$2,A7,1000)/1000","v":0.51354013875123883},null,{"$f":"+B7/(1+$E$2)","v":0.50544015825914934},{"$f":"+-PMT($F$2,A7,1000)/1000","v":0.50901789264413522},{"$f":"+F7/(1+$F$2)","v":0.50298210735586479}]
[3,0.34810638111922315,0.34540468922092088,null,{"$f":"+B8/(1+$E$2)","v":0.34061289737693068},0.34136514210129687,0.33731733409219056]
[4,0.26389959018551895,0.26135034049161082,null,0.25821877708954888,0.25754473033743414,0.25449084025438157]
[5,0.21339146184074023,0.21092842969921038,{"$f":"+C10/(1+$C$2)","v":0.20719885039215166},{"$f":"+B10/(1+$E$2)","v":0.2087979078676519},0.20725725361001479,{"$f":"+F10/(1+$F$2)","v":0.20479965771740591}]
[6,0.17973265912914482,0.17732273532229562,{"$f":"+C11/(1+$C$2)","v":0.17418736279203892},0.17586365863908496,0.1737362438918007,{"$f":"+F11/(1+$F$2)","v":0.1716761303278663}]
[7,0.1557020365661318,0.1533263047949894,0.15061523064340807,0.15235032932106829,0.14979607193139563,0.14801983392430398]
[8,0.13768902047052947,0.13533566141027581,0.13294269293740257,0.13472506895355135,0.13184392301839193,0.13028055634228453]
[9,0.12368773574230539,0.12134887328785689,0.11920321541046845,0.12102518174393874,0.11788378890509318,0.11648595741609999]
[10,{"$f":"+-PMT($B$2,A15,1000)/1000","v":0.11249465657390192},0.11016478096137225,0.10821687717227137,{"$f":"+B15/(1+$E$2)","v":0.11007304948522693},0.10671806457521012,0.10545263297945663]
[11,0.10334390222834339,0.10101900991811331,null,0.10111927810992503,9.7584637684183476E-2,9.6427507593066675E-2]
[12,9.5724884928496914E-2,9.3401976868944109E-2,null,9.3664270967218119E-2,8.99754332793508E-2,8.8908530908449412E-2]
[]
[]
[]
["PRODUCTO"]
["AUTOS"]
["MOTOS"]
["TAXIS"]
["PESADOS"]
["GENERALES"]
["SALUD"]