{"id":32,"date":"2025-02-01T15:58:20","date_gmt":"2025-02-01T15:58:20","guid":{"rendered":"https:\/\/feup.co\/?page_id=32"},"modified":"2025-03-13T19:46:13","modified_gmt":"2025-03-13T19:46:13","slug":"credito","status":"publish","type":"page","link":"https:\/\/feup.co\/?page_id=32","title":{"rendered":"Cr\u00e9dito"},"content":{"rendered":"<div class=\"entry\">\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1921\" src=\"https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-shkrabaanthony-5816298-edited-1-scaled.jpg\" alt=\"\" class=\"wp-image-395\" srcset=\"https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-shkrabaanthony-5816298-edited-1-scaled.jpg 2560w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-shkrabaanthony-5816298-edited-1-300x225.jpg 300w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-shkrabaanthony-5816298-edited-1-1024x769.jpg 1024w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-shkrabaanthony-5816298-edited-1-768x576.jpg 768w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-shkrabaanthony-5816298-edited-1-1536x1153.jpg 1536w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-shkrabaanthony-5816298-edited-1-2048x1537.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Personal<\/strong><\/p>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Ver m\u00e1s<\/summary>\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tiempo: 1 a 24 meses<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Intereses: 0.9%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Base de cr\u00e9dito: Salario b\u00e1sico<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">garant\u00eda: p\u00f3liza de deudores (MAPFRE), carta de aportes y ahorros soportando la deuda<\/p>\n<\/details>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1921\" src=\"https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-katie-harp-636435-12591342-edited-scaled.jpg\" alt=\"\" class=\"wp-image-393\" srcset=\"https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-katie-harp-636435-12591342-edited-scaled.jpg 2560w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-katie-harp-636435-12591342-edited-300x225.jpg 300w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-katie-harp-636435-12591342-edited-1024x768.jpg 1024w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-katie-harp-636435-12591342-edited-768x576.jpg 768w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-katie-harp-636435-12591342-edited-1536x1153.jpg 1536w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-katie-harp-636435-12591342-edited-2048x1537.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Libre inversi\u00f3n<\/strong><\/p>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Ver m\u00e1s<\/summary>\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tiempo: 1 a 96 meses<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Intereses: 0.9%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Base de cr\u00e9dito: Tres veces aportes y ahorros<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">garant\u00eda: Fiador, libranza, p\u00f3liza de deudores (MAPFRE), carta de aportes y ahorros soportando la deuda<\/p>\n<\/details>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1920\" src=\"https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-pavel-danilyuk-8112121-edited-scaled.jpg\" alt=\"\" class=\"wp-image-403\" srcset=\"https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-pavel-danilyuk-8112121-edited-scaled.jpg 2560w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-pavel-danilyuk-8112121-edited-300x225.jpg 300w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-pavel-danilyuk-8112121-edited-1024x768.jpg 1024w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-pavel-danilyuk-8112121-edited-768x576.jpg 768w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-pavel-danilyuk-8112121-edited-1536x1152.jpg 1536w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-pavel-danilyuk-8112121-edited-2048x1536.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cr\u00e9dito especial <\/strong><\/p>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Ver m\u00e1s<\/summary>\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Libre inversi\u00f3n con destino a la compra de bien inmueble y\/o pago de cartera a entidades financieras<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tiempo: 1 a 96 meses<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Intereses: 0.9%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Base de cr\u00e9dito: Ocho veces aportes y ahorros<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">garant\u00eda. Fiador, libranza, p\u00f3liza de deudores (MAPFRE), carta de aportes y ahorros soportando la deuda, Hipoteca<\/p>\n<\/details>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1921\" src=\"https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-yankrukov-7693242-edited-scaled.jpg\" alt=\"\" class=\"wp-image-409\" srcset=\"https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-yankrukov-7693242-edited-scaled.jpg 2560w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-yankrukov-7693242-edited-300x225.jpg 300w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-yankrukov-7693242-edited-1024x768.jpg 1024w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-yankrukov-7693242-edited-768x576.jpg 768w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-yankrukov-7693242-edited-1536x1152.jpg 1536w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-yankrukov-7693242-edited-2048x1537.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Primas \u2013 Bonificaciones<\/strong><\/p>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Ver m\u00e1s<\/summary>\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tiempo: 1 a 6 meses<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Intereses: 0.9%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Base de cr\u00e9dito: Salario b\u00e1sico por el porcentaje que asigna la oficina de Talento Humano de la Universidad de Pamplona<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">garant\u00eda. Fiador, formato prima, p\u00f3liza de deudores (MAPFRE), carta de aportes y ahorros soportando la deuda.<\/p>\n<\/details>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1921\" src=\"https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-sumup-payments-1805290812-28376835-edited-scaled.jpg\" alt=\"\" class=\"wp-image-414\" srcset=\"https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-sumup-payments-1805290812-28376835-edited-scaled.jpg 2560w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-sumup-payments-1805290812-28376835-edited-300x225.jpg 300w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-sumup-payments-1805290812-28376835-edited-1024x768.jpg 1024w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-sumup-payments-1805290812-28376835-edited-768x576.jpg 768w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-sumup-payments-1805290812-28376835-edited-1536x1152.jpg 1536w, https:\/\/feup.co\/wp-content\/uploads\/2025\/02\/pexels-sumup-payments-1805290812-28376835-edited-2048x1537.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Consumo<\/strong><\/p>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Ver m\u00e1s<\/summary>\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">(Impuestos, facturas de almacenes, servicios p\u00fablicos, supermercados, recreaci\u00f3n (viajes turisticos))<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tiempo: 1 a 12 meses<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Intereses: 0.9%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Base de cr\u00e9dito: 4 SMLV<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Garant\u00eda. p\u00f3liza de deudores (MAPFRE), carta de aportes y ahorros soportando la deuda, Hipoteca<\/p>\n<\/details>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<div style=\"height:66px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Simula tu Cr\u00e9dito:<\/strong><\/p>\n\n\n    <form id=\"credito-form\" method=\"post\">\n        <label for=\"monto\">Monto del cr\u00e9dito:<\/label>\n        <input type=\"text\" id=\"monto\" name=\"monto\" required> <!-- Cambiado a type=\"text\" -->\n        \n        <label for=\"meses\">Cantidad de meses:<\/label>\n        <input type=\"number\" id=\"meses\" name=\"meses\" required>\n        \n        <input type=\"submit\" value=\"Calcular\">\n    <\/form>\n\n    <div id=\"resultado\"><\/div>\n\n    <script>\n    \/\/ Funci\u00f3n para formatear el n\u00famero con separador de miles\n    function formatearNumero(numero) {\n        return numero.toString().replace(\/\\D\/g, \"\").replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \".\");\n    }\n\n    \/\/ Funci\u00f3n para eliminar el separador de miles\n    function eliminarFormatoNumero(numero) {\n        return numero.toString().replace(\/\\.\/g, \"\");\n    }\n\n    \/\/ Capturamos el campo del monto\n    var montoInput = document.getElementById('monto');\n\n    \/\/ Formatear el valor cuando el campo pierde el foco\n    montoInput.addEventListener('blur', function() {\n        this.value = formatearNumero(this.value);\n    });\n\n    \/\/ Eliminar el formato cuando el campo est\u00e1 enfocado\n    montoInput.addEventListener('focus', function() {\n        this.value = eliminarFormatoNumero(this.value);\n    });\n\n    \/\/ Formatear el valor mientras el usuario escribe\n    montoInput.addEventListener('input', function() {\n        this.value = formatearNumero(eliminarFormatoNumero(this.value));\n    });\n\n    \/\/ L\u00f3gica del c\u00e1lculo del cr\u00e9dito con cuota fija\n    document.getElementById('credito-form').onsubmit = function(event) {\n        event.preventDefault();\n        \n        var monto = parseFloat(eliminarFormatoNumero(document.getElementById('monto').value));\n        var meses = parseInt(document.getElementById('meses').value);\n        var interesMensual = 0.009; \/\/ 0.9% de inter\u00e9s mensual\n\t\tvar interesPoliza=0.00092; \/\/0.092%\n\n        \/\/ C\u00e1lculo de la cuota fija (sistema franc\u00e9s)\n        var factor = Math.pow(1 + interesMensual, meses);\n        var cuotaFija = (monto * interesMensual * factor) \/ (factor - 1);\n\n        var tabla = '<h3>Detalles del cr\u00e9dito<\/h3>';\n        tabla += '<p><strong>Cuota fija mensual:<\/strong> ' + Math.round(cuotaFija).toLocaleString() + '<\/p>';\n        tabla += '<table border=\"1\" cellpadding=\"10\" cellspacing=\"0\">';\n        tabla += '<tr><th>Mes<\/th><th>Amortizaci\u00f3n<\/th><th>Inter\u00e9s<\/th><th>Poliza<\/th><th>Cuota del mes<\/th><th>Saldo restante<\/th><\/tr>';\n        \n        var saldo = monto;\n\t\tvar totalInteres=0.0;\n\t\tvar totalAmortizacion=0.0;\n\t\tvar totalPoliza=0.0;\n\t\tvar pagoInteres=0.0;\n\t\tvar pagoPoliza=0.0;\n\t\tvar amortizacion=0.0;\n        for (var mes = 1; mes <= meses; mes++) {\n            pagoInteres = interesMensual * saldo; \/\/ Inter\u00e9s del mes\n\t\t\tpagoPoliza= interesPoliza* saldo;\n            amortizacion = cuotaFija - pagoInteres; \/\/ Amortizaci\u00f3n del capital\n\t\t\ttotalInteres=totalInteres + pagoInteres;\n\t\t\ttotalAmortizacion=totalAmortizacion + amortizacion;\n\t\t\ttotalPoliza=totalPoliza +pagoPoliza;\n\t\t\tvar cuotaTotal=cuotaFija + pagoInteres+pagoPoliza;\n            saldo = saldo - amortizacion; \/\/ Reducci\u00f3n del saldo\n\n            tabla += '<tr>';\n            tabla += '<td>' + mes + '<\/td>';\n\t\t\ttabla += '<td>' + Math.round(amortizacion).toLocaleString() + '<\/td>'; \/\/ Amortizaci\u00f3n\n            tabla += '<td>' + Math.round(pagoInteres).toLocaleString() + '<\/td>'; \/\/ Inter\u00e9s\n\t\t\ttabla += '<td>' + Math.round(pagoPoliza).toLocaleString() + '<\/td>'; \/\/ Cuota fija\n\t\t\ttabla += '<td>' + Math.round(cuotaTotal).toLocaleString() + '<\/td>'; \/\/ Cuota fija\n            tabla += '<td>' + Math.round(saldo).toLocaleString() + '<\/td>'; \/\/ Saldo restante\n            tabla += '<\/tr>';\n        }\n        tabla += '<tr style=\"font-weight: bold;\">';\n        tabla += '<td>Total<\/td>';\n\t\ttabla += '<td>' + Math.round(totalAmortizacion).toLocaleString() + '<\/td>'; \/\/ Amortizaci\u00f3n\n        tabla += '<td>' + Math.round(totalInteres).toLocaleString() + '<\/td>'; \/\/ Inter\u00e9s\n\t\ttabla += '<td>' + Math.round(totalPoliza).toLocaleString() + '<\/td>'; \/\/ Cuota fija\n\t\ttabla += '<td>' + '' + '<\/td>'; \n        tabla += '<td>' + '' + '<\/td>'; \n        tabla += '<\/tr>';\n\t\t\n        tabla += '<\/table>';\n        document.getElementById('resultado').innerHTML = tabla;\n    };\n    <\/script>\n    \n\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Personal Libre inversi\u00f3n Cr\u00e9dito especial Primas \u2013 Bonificaciones Consumo Simula tu Cr\u00e9dito:<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-32","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/feup.co\/index.php?rest_route=\/wp\/v2\/pages\/32","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/feup.co\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/feup.co\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/feup.co\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/feup.co\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=32"}],"version-history":[{"count":0,"href":"https:\/\/feup.co\/index.php?rest_route=\/wp\/v2\/pages\/32\/revisions"}],"wp:attachment":[{"href":"https:\/\/feup.co\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=32"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}