{"id":466,"date":"2025-09-04T14:02:34","date_gmt":"2025-09-04T12:02:34","guid":{"rendered":"https:\/\/financialplanning.adrirodrigom3.es\/?page_id=466"},"modified":"2025-12-31T16:02:52","modified_gmt":"2025-12-31T15:02:52","slug":"simuladores","status":"publish","type":"page","link":"https:\/\/capitalsurplanning.com\/en\/simuladores\/","title":{"rendered":"Simulators"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"466\" class=\"elementor elementor-466\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-896d8d8 e-con-full e-flex e-con e-parent\" data-id=\"896d8d8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3bd4834 e-flex e-con-boxed e-con e-parent\" data-id=\"3bd4834\" 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-8fdcaa2 e-con-full e-flex e-con e-child\" data-id=\"8fdcaa2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a877b2c elementor-widget elementor-widget-shortcode\" data-id=\"a877b2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">    <div class=\"wp-loan-calculator-main\" id=\"wp-loan-calculator-main\">\n        <style type=\"text\/css\">\n            :root {\n                --calc-background-color: #51822f;\n                --calc-select-color: #404245;\n                --calc-bg-light-color: #f4f4f4;\n                --calc-border-color: #000000;\n                --calc-graph-color: #f4f4f4;\n                --calc-graph-color-sub: #c6c6c6;\n                --calc-graph-border-color: #7f7f7f;\n                --calc-graph-border-color-sub: #ffffff;\n                --calc-graph-balance-border-color: #b8204c;\n                --calc-graph-balance-point-background-color: #b8204c;\n                --calc-graph-extra-payment-graph-color: #00636b;\n                --calc-summary-chart-principal-fill-color: #ed8c2b;\n                --calc-summary-chart-interest-fill-color: #88a825;\n                --calc-summary-chart-balloon-payment-fill-color: #25649f;\n                --calc-summary-chart-down-payment-fill-color: #b8204c;\n                --calc-summary-chart-extra-payment-fill-color: #cf4a30;                \n\n            }\n        <\/style>\n        <div id=\"overlay\" style=\"display: none;\"><\/div>\n        <div id=\"loader\" style=\"display: none;\">\n          <div class=\"spinner\"><\/div>\n      <\/div>\n      <section class=\"heading-section\">\n        <div class=\"menu-sec-cls\">\n            <ul class=\"heading-sec-link\">\n                                    <li>\n                        <a href=\"javascript:void(0);\" class=\"print-table\"><i class=\"fa fa-print\" aria-hidden=\"true\"><\/i>Print<\/a>\n                    <\/li>\n                                                    <li>\n                        <a href=\"javascript:void(0);\" onclick=\"jQuery('.about-this-calculator-popup').show();jQuery('body').addClass('body-overflow-hidden');\"><i class=\"fa fa-info-circle\" aria-hidden=\"true\"><\/i>About this calculator<\/a>\n                    <\/li>\n                            <\/ul>\n        <\/div>\n        <div class=\"about-this-calculator-popup\" style=\"display: none;\">\n            <div class=\"about-this-calculator-popup-body\">\n                <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.about-this-calculator-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">\u2715<\/a>\n                                <div class=\"calculator-content\"><h2 data-start=\"123\" data-end=\"155\">Calculator Information<\/h2>\r\n<p data-start=\"157\" data-end=\"471\">The <strong data-start=\"160\" data-end=\"204\">Equipment Financing Calculator<\/strong> It estimates the repayment amount required, at the requested frequency, based on the loan details entered: amount, term and interest rate.<br data-start=\"359\" data-end=\"362\" \/>The product selected determines the default interest rate for the personal loan product.<\/p>\r\n<p data-start=\"473\" data-end=\"850\">The Equipment Financing Calculator also calculates the time saved in repaying the loan and the amount of interest saved, based on an additional contribution entered by the customer. This applies if the payments are increased by the extra amount specified per payment period.<br data-start=\"761\" data-end=\"764\" \/>This feature is only available for products that allow additional payments.<\/p>\r\n<p data-start=\"852\" data-end=\"1018\">The calculations are carried out according to the specified payment frequency and based on the original loan parameters: amount, annual interest rate and term in years.<\/p>\r\n<hr data-start=\"1020\" data-end=\"1023\" \/>\r\n<h2 data-start=\"1025\" data-end=\"1055\">Calculator Scenarios<\/h2>\r\n<p data-start=\"1057\" data-end=\"1263\"><strong data-start=\"1057\" data-end=\"1077\">Length of the month<\/strong><br data-start=\"1077\" data-end=\"1080\" \/>It is assumed that all months are of equal length. In practice, many loans accrue interest on a daily basis, which means the amount varies depending on the number of days in each month.<\/p>\r\n<p data-start=\"1265\" data-end=\"1451\"><strong data-start=\"1265\" data-end=\"1308\">Number of weeks or fortnights in a year<\/strong><br data-start=\"1308\" data-end=\"1311\" \/>It is assumed that a year has exactly 52 weeks or 26 fortnights. This implies assuming a year of 364 days rather than the actual 365 or 366.<\/p>\r\n<p data-start=\"1453\" data-end=\"1900\"><strong data-start=\"1453\" data-end=\"1488\">Rounding of the amount of each payment<\/strong><br data-start=\"1488\" data-end=\"1491\" \/>In practice, payments are rounded to at least the nearest cent. However, the calculator uses the unrounded payments to calculate the interest payable in points along the graph and over the entire term of the loan.<br data-start=\"1729\" data-end=\"1732\" \/>This assumption results in a smoother graph and equal payment amounts. Note: the final payment may vary after the increase in the payment amount has been applied.<\/p>\r\n<p data-start=\"1902\" data-end=\"2113\"><strong data-start=\"1902\" data-end=\"1934\">Rounding of time saved<\/strong><br data-start=\"1934\" data-end=\"1937\" \/>The time saved is shown in years and months, fortnights or weeks, depending on the selected payment frequency. A possible final partial payment is taken into account when calculating the savings.<\/p>\r\n<p data-start=\"2115\" data-end=\"2266\"><strong data-start=\"2115\" data-end=\"2147\">Amount of interest saved<\/strong><br data-start=\"2147\" data-end=\"2150\" \/>This amount can only be estimated on the basis of the time saved and the original terms of the loan.<\/p>\r\n<hr data-start=\"2268\" data-end=\"2271\" \/>\r\n<h2 data-start=\"2273\" data-end=\"2321\">Calculator Disclaimer<\/h2>\r\n<p data-start=\"2323\" data-end=\"2637\">The results from this calculator should be used for guidance only.<br data-start=\"2402\" data-end=\"2405\" \/>These do not represent product quotes or pre-approvals.<br data-start=\"2465\" data-end=\"2468\" \/>Each institution uses different formulas.<br data-start=\"2512\" data-end=\"2515\" \/>Information such as interest rates and the figures used in the assumptions are subject to change.<\/p><\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n    <section id=\"main-sec\" class=\"ctm_main_wrap\">\n        <section class=\"calculator-heading-section calculator-heading-block\">\n            <div class=\"calculator-child-heading\">\n                <h2>\n                    <center><strong>Please feel free to use our Equipment Financing Calculator<\/strong><\/center>\n                <\/h2>\n            <\/div>\n        <\/section>\n        <section class=\"loan-option-text-info\">\n            <div class=\"custom-container loan-option-text-info-section\">\n                <div class=\"loan-option-text-info-block\">\n                    <div class=\"first-row\">\n                        <div class=\"first-row-sub-child\"  >\n\n                            <label for=\"loan_amt\" class=\"loan-text\">Loan amount<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"1\"><\/i><span class=\"text-tooltip-disp\">Enter your loan amount here.<\/span><\/label>\n                            <div class=\"loan-text-dis loan-amount\">\n                                <span class=\"extra-info\">\u20ac<\/span>\n                                <input type=\"text\" name=\"loan_amount\" id=\"loan_amount\" value=\"\" tabindex=\"2\" oninput=\"validateInputLoanRate(this)\" onkeydown=\"return onlyNos(event,'loan_amount')\" \/>\n                            <\/div>\n                            <input type=\"range\" min=\"1000\" max=\"1000000\" value=\"10000\" class=\"slider\" id=\"loan_amount_range\" tabindex=\"3\" >\n                        <\/div>\n                        <div class=\"first-row-sub-child\">\n                            <label for=\"loan_terms\" class=\"loan-text\">Number of payments<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"4\"><\/i><span class=\"text-tooltip-disp\">Enter the number of years over which you plan to repay the loan.<\/span><\/label>\n                            <div class=\"loan-number-payment-with-label\">\n                                <div class=\"loan-text-dis no-payment wwt123\">\n                                    <!-- <span class=\"extra-info\"><\/\/?php echo __('Months', 'loan-calculator-wp'); ?><\/span> -->\n                                                                            <select name=\"repayment_freq\" id=\"repayment_freq\" class=\"payment-opt-drop\">\n                                                                                            <option value=\"Monthly\" selected>Monthly<\/option>\n                                                                                                <option value=\"Quarterly\" >Quarterly<\/option>\n                                                                                                <option value=\"Yearly\" >Annual<\/option>\n                                                                                                <option value=\"Weekly\" >Weekly<\/option>\n                                                                                                <option value=\"Fortnight\" >Fortnightly<\/option>\n                                                                                        <\/select>                                  \n                                                                        <input type=\"text\" name=\"loan_terms\" min=\"12\" max=\"84\" maxlength=\"5\" id=\"loan_terms\" value=\"\" tabindex=\"5\" onkeydown=\"return onlyNos(event,'loan_terms')\" \/>\n\n                                <\/div>\n\n                                                            <\/div>\n\n                            <input type=\"range\" min=\"12\" max=\"84\" value=\"12\" class=\"slider\" id=\"loan_terms_range\" tabindex=\"6\" step=\"1\">\n                            <input type=\"hidden\" name=\"default_value\" value=\"12\">\n                            <input type=\"hidden\" name=\"min_value\" value=\"12\">\n                            <input type=\"hidden\" name=\"max_value\" value=\"84\">\n                            <input type=\"hidden\" name=\"current_repayment_freq\" value=\"\">\n                        <\/div>\n                        <div class=\"first-row-sub-child\" >\n                                                            <div class=\"first-row-main-child\">\n                                    <label for=\"loan_amt\" class=\"loan-text\">Payment method<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">Please select your preferred payment method for the loan.<\/span><\/label>\n                                    <select name=\"payment_type\" id=\"payment_type\" class=\"payment-opt-drop\">\n                                        <option  value=\"In Advance\">In Advance<\/option>\n                                        <option selected value=\"In Arrears\">In Arrears<\/option>\n                                    <\/select>\n                                <\/div>\n                                                       \n                        <\/div>\n                    <\/div>\n                    <div class=\"second-row\">\n                         <div class=\"second-row-sub-child\">\n                            <label for=\"loan_amt\" class=\"loan-text\">Interest rate<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">The interest rate will be automatically adjusted to match the selected product. You can also adjust it up or down to see how this affects your repayments and the total interest payable.<\/span><\/label>\n                            <div class=\"loan-text-dis\">\n                                <input type=\"text\" name=\"interest_rates\" id=\"interest_rates\" value=\"\" tabindex=\"9\"  \/>\n                                <span id=\"interest_rate_range_dis\" class=\"rate_disp\"><\/span>\n                            <\/div>\n                            <input type=\"range\" min=\"1.25\" max=\"15.00\" value=\"4.5\" class=\"slider\" id=\"interest_rate_range\" tabindex=\"10\" step=\"0.25\">\n                        <\/div>\n                                                    <div class=\"second-row-sub-child\">\n\n                                <div class=\"loan-text-dis\">\n                                    <input type=\"hidden\" name=\"ballon_amounts\" id=\"ballon_amounts\" value=\"\" tabindex=\"11\" onkeydown=\"return onlyNos(event,'ballon_amounts')\" \/>\n\n                                    <input type=\"hidden\" name=\"ballon_amounts_per\" id=\"ballon_amounts_per\" value=\"0\" tabindex=\"12\" \/>\n                                <\/div>\n                                <input type=\"hidden\" id=\"ballon_amount_range\" tabindex=\"13\" step=\"1\" value=\"0\">\n                            <\/div>\n                                            <\/div>\n                    <div class=\"site-wraps-row-downpayment-extrapayment-row\">\n                        \n                                            <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"loan-detail-section\">\n                <div class=\"loan-detail-section-child\">\n                    <div class=\"sub-main-tab\">\n                        <div class=\"ww-loan-container\">\n                            <div class=\"tabs\">\n\n                                                                \n                                <input type=\"radio\" name=\"tabs\" id=\"tab1\" checked>\n                                <label for=\"tab1\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-chart-bar\"><\/i>\n                                        <span class=\"tooltip-disp\">Payment schedule<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab3\" >\n                                <label for=\"tab3\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-tasks\"><\/i>\n                                        <span class=\"tooltip-disp\">Loan repayment schedule<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab2\" >\n                                <label for=\"tab2\" style=\"display: none;\">\n                                                                            <i class=\"fa fa-play\"><\/i>\n                                        <span class=\"tooltip-disp\">Video<\/span>\n                                                                    <\/label>\n                                                                <div id=\"tab-content1\" class=\"tab-content\">\n                                    <canvas id=\"loan-process-graph\" width=\"650\" height=\"320\"><\/canvas>\n                                                                            <div id=\"chart-note\" class=\"chart-note\"><p>**Note: Where the number of payments exceeds 120, a group of 12 payments will be combined into a single payment number to improve the clarity of the chart.<\/p><\/div>\n                                <\/div>\n                                <div id=\"tab-content2\" class=\"tab-content\">\n                                                                            <iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/VhvlcwYUyIg?si=XQyDoLGla6aoue1v\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n                                                                    <\/div>                               \n                                <div id=\"tab-content3\" class=\"tab-content\">\n                                    <table id=\"loan-process-tbl\">\n                                        <thead>\n                                            <tr>\n                                                <th>Period<\/th>\n                                                <th>Payment<\/th>\n                                                                                                <th>Interest<\/th>\n                                                <th>Balance sheet<\/th>\n                                            <\/tr>\n                                        <\/thead>\n                                        <tbody id=\"loan_table_data\">\n                                        <\/tbody>\n                                    <\/table>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <div class=\"loan-detail-section-child\" >\n                    <div class=\"summary-calculation-and-chart-wrappar\">\n                    <div class=\"loan-detail-cal-desc\">\n                        <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading main-heading\">\n                                <label id=\"regular_repayment_heading\"><strong>Payment {frequency}<\/strong><\/label>\n\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><span><small>\u20ac<\/small><span id=\"per_month_amount\"><\/span><\/span> <strong id=\"loan_amount_term_label\"><\/strong><span id=\"loan_amount_year\"><\/span><\/label>\n                        <\/div>\n                    <\/div>\n                                            <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading\">\n                                <label><strong>Total interest payable<\/strong><\/label>\n                            <\/div>\n                            <div class=\"loan-cal-desc-val\">\n                                <label><small>\u20ac<\/small><span id=\"total_interests_amt\"><\/span> over <span id=\"total_interests_years\"><\/span> <\/label>\n                            <\/div>\n\n                        <\/div>\n                                        <span id=\"total_interests_amt_hidden\"><\/span>\n                    <div class=\"loan-cal-desc\" id=\"ballon_amt_section\">\n                        <div class=\"loan-cal-desc-heading\">\n                            <label><strong>Balloon amount (<span id=\"bill_ballon_per\">0.00<\/span>%)<\/strong><\/label>\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><small>\u20ac<\/small><strong><span id=\"bill_ballon_amt\">0.00<\/span><\/strong><\/label>\n                        <\/div>\n\n                    <\/div>\n\n                    \n                    \n            <\/div>\n            \n                    <\/div>\n                                <\/div>\n    <\/div>\n<\/section>\n   \n  <div class=\"contact-us-section\">\n    <!-- <h3><\/h3> -->\n                        \n        <button class=\"contact-book-btn\">Contact us now for a quote<\/button>\n    <\/div>\n\n<div class=\"contact-us-popup\" style=\"display:none;\">\n    <div class=\"contact-us-popup-body\">\n        <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.contact-us-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">X<\/a>\n             <\/div>\n<\/div>\n\n\n    <div class=\"calculator-disclaimer-section\">\n        <h4>Calculator Disclaimer<\/h4>\n        <p><p data-start=\"87\" data-end=\"356\">The payment amount shown by this calculator is a <strong data-start=\"140\" data-end=\"152\">estimated<\/strong>, based on the information you have provided. It is provided for information purposes only <strong data-start=\"238\" data-end=\"254\">illustrative<\/strong> and actual payment amounts may vary. To find out the actual payment amounts, <strong data-start=\"338\" data-end=\"353\">contact us<\/strong>.<\/p>\r\n<p data-start=\"358\" data-end=\"548\">This calculation <strong data-start=\"371\" data-end=\"388\">does not constitute<\/strong> a quote, loan approval, agreement or advice from <strong data-start=\"462\" data-end=\"476\">My Finance<\/strong>. Nor does it take into account their personal or financial circumstances.<\/p><\/p>\n    <\/div>\n<\/section>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\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-bff0f70 e-con-full e-flex e-con e-parent\" data-id=\"bff0f70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-544c281 e-flex e-con-boxed e-con e-child\" data-id=\"544c281\" 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-2409d07 e-con-full e-flex e-con e-child\" data-id=\"2409d07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3b39bd elementor-widget elementor-widget-heading\" data-id=\"c3b39bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bank of Spain simulators<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bd907a elementor-widget elementor-widget-image\" data-id=\"0bd907a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"225\" height=\"41\" src=\"https:\/\/capitalsurplanning.com\/wp-content\/uploads\/2025\/12\/Captura-de-pantalla-2025-12-31-103824.png\" class=\"attachment-large size-large wp-image-921\" alt=\"\" \/>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3cd59cd e-con-full e-flex e-con e-child\" data-id=\"3cd59cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db6c8b7 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"db6c8b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/simulador_amortizacion_anticipada_prestamo.html\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mortgage or Personal Loan<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/simulador_prestamo_hipotecario_personal_carencia.html\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mortgage or Personal Loan: Is There a Grace Period?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/simulador_prestamo_hipotecario_personal_carencia.html\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mortgage or Personal Loan with Early Repayment<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/calculo_tae_prestamo_personal.html\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Calculating the APR of a loan<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/calculo-de-la-tae-de-un-prestamo-hipotecario.html\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Calculating the APR on a mortgage loan<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/simulador_intereses_tae_deposito.html\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Bank deposit simulator by tier: interest and APR<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/calculo_tipo_interes_efectivo.html\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Calculation of the effective interest rate<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/diferencial_irph.html\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Differential to be applied to the substitute index for IRPH, savings banks, banks or TAR<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/calculo_cuota_tarjeta_revolving.html\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Calculating the due date for the final instalment on a revolving credit card<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/simulador_de_elegibilidad_y_aplicacion_de_las_medidas_de_los_codigos_de_buenas_practicas.html\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Simulator for assessing eligibility and the application of the measures set out in the Codes of Good Practice (RDL 6\/2012 and RDL 19\/2022)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/simuladores\/calculo-del-coste-financiero.html\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Calculation of the financial cost<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\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\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Simuladores Banco de espa\u00f1a Pr\u00e9stamo Hipotecario o Personal Pr\u00e9stamo Hipotecario O Personal Si hay Periodo de Carencia Pr\u00e9stamo Hipotecario o Personal con Amortizaci\u00f3n Anticipada C\u00e1lculo de la TAE de un pr\u00e9stamo C\u00e1lculo de la TAE de un pr\u00e9stamo hipotecario Simulador de dep\u00f3sitos bancarios por tramos: intereses y TAE C\u00e1lculo del tipo de inter\u00e9s efectivo Diferencial [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-466","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Simuladores - CS Financial Planning<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/capitalsurplanning.com\/en\/simuladores\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Simuladores - CS Financial Planning\" \/>\n<meta property=\"og:description\" content=\"Simuladores Banco de espa\u00f1a Pr\u00e9stamo Hipotecario o Personal 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