República Dominicana

Hogarium Real Estate

hogariumrd.com

<div id="calc-v7-wrapper" style="font-family: 'Segoe UI', sans-serif; background: #ffffff; padding: 25px; border: 1px solid #e2e8f0; border-radius: 12px; max-width: 900px; margin: 0 auto; box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.1);">

    <h2 style="color: #1e293b; margin-top: 0; font-weight: 800; font-size: 24px;">Calculadora de Préstamos</h2>
    <p style="color: #64748b; font-size: 14px; margin-bottom: 25px;">Ingresa los datos para ver el desglose actualizado.</p>

    <div style="display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; margin-bottom: 30px;">
        
        <div>
            <label style="display: block; font-size: 11px; font-weight: 700; color: #64748b; text-transform: uppercase; margin-bottom: 6px;">Precio de Venta</label>
            <div style="display: flex; align-items: center; border: 2px solid #e2e8f0; border-radius: 8px; padding: 0 12px; background: #f8fafc;">
                <span style="color: #94a3b8; font-weight: 700; margin-right: 8px;">RD$</span>
                <input type="number" id="v7_precio" placeholder="Ej: 5000000" style="width: 100%; border: none; background: transparent; padding: 12px 0; font-size: 18px; font-weight: 700; outline: none; color: #334155;">
            </div>
        </div>

        <div>
            <label style="display: block; font-size: 11px; font-weight: 700; color: #64748b; text-transform: uppercase; margin-bottom: 6px;">Inicial</label>
            <div style="display: flex; align-items: center; border: 2px solid #e2e8f0; border-radius: 8px; padding: 0 12px; background: #f8fafc;">
                <span style="color: #94a3b8; font-weight: 700; margin-right: 8px;">RD$</span>
                <input type="number" id="v7_inicial" placeholder="Ej: 1000000" style="width: 100%; border: none; background: transparent; padding: 12px 0; font-size: 18px; font-weight: 700; outline: none; color: #334155;">
            </div>
        </div>

        <div>
            <label style="display: block; font-size: 11px; font-weight: 700; color: #64748b; text-transform: uppercase; margin-bottom: 6px;">Plazo</label>
            <div style="display: flex; align-items: center; border: 2px solid #e2e8f0; border-radius: 8px; padding: 0 12px; background: #f8fafc;">
                <input type="number" id="v7_plazo" placeholder="Ej: 20" style="width: 100%; border: none; background: transparent; padding: 12px 0; font-size: 18px; font-weight: 700; outline: none; color: #334155;">
                <span style="color: #94a3b8; font-weight: 700; margin-left: 8px; font-size: 13px;">AÑOS</span>
            </div>
        </div>
    </div>

    <div style="background: #eff6ff; padding: 20px; border-radius: 10px; border: 1px solid #dbeafe; margin-bottom: 25px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap;">
        <span style="font-weight: 600; color: #475569;">Monto a Financiar:</span>
        <span id="v7_txt_monto" style="font-size: 28px; font-weight: 900; color: #2563eb;">RD$ 0.00</span>
    </div>

    <div style="border: 1px solid #e2e8f0; border-radius: 8px; overflow: hidden;">
        <div style="display: grid; grid-template-columns: 0.8fr 1fr 1fr 1.2fr; background: #0f172a; color: #fff; padding: 12px; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.5px;">
            <div>Tasa</div>
            <div>Cuota Banco</div>
            <div>Seguros*</div>
            <div>Total Mensual</div>
        </div>
        <div id="v7_tabla_body"></div>
    </div>
    
    <div style="margin-top: 25px; padding: 15px; background-color: #f8fafc; border-radius: 8px; border: 1px solid #e2e8f0;">
        <p style="text-align: center; font-size: 11px; color: #64748b; margin: 0; line-height: 1.5;">
            <strong>NOTA IMPORTANTE:</strong> Estos montos son estimados y solo sirven de manera ilustrativa. Para recibir el monto exacto debe contactarse con su banco.<br>
            <span style="color: #94a3b8;">*El cálculo incluye Seguros de Vida, Incapacidad e Incendio según factores aproximados.</span>
        </p>
    </div>

</div>

<script>
    (function() {
        // --- CONFIGURACIÓN DE FACTORES ---
        var F_VIDA = 0.0464 / 100;      // Base: Préstamo
        var F_INCAP = 0.0139 / 100;     // Base: Préstamo
        var F_INCENDIO = 0.0677 / 100;  // Base: Precio Venta

        // --- Elementos ---
        var elPrecio = document.getElementById('v7_precio');
        var elInicial = document.getElementById('v7_inicial');
        var elPlazo = document.getElementById('v7_plazo');
        var elMontoTxt = document.getElementById('v7_txt_monto');
        var elTabla = document.getElementById('v7_tabla_body');
        
        var fmt = new Intl.NumberFormat('es-DO', { style: 'currency', currency: 'DOP' });

        // --- Cálculo ---
        function calcularV7() {
            var precio = parseFloat(elPrecio.value) || 0;
            var inicial = parseFloat(elInicial.value) || 0;
            var anios = parseFloat(elPlazo.value) || 0;

            var montoPrestamo = Math.max(0, precio - inicial);

            if(elMontoTxt) elMontoTxt.innerText = fmt.format(montoPrestamo);

            var html = '';

            if (montoPrestamo > 0 && anios > 0) {
                var meses = anios * 12;

                // Cálculos de Seguros
                var costoVida = montoPrestamo * F_VIDA;
                var costoIncap = montoPrestamo * F_INCAP;
                var costoIncendio = precio * F_INCENDIO; // Sobre precio venta
                
                var totalSeguros = costoVida + costoIncap + costoIncendio;

                for (var t = 90; t <= 150; t += 5) {
                    var tasaAnual = t / 10; 
                    var tasaMensual = (tasaAnual / 100) / 12;
                    
                    var cuotaBanco = 0;
                    var pot = Math.pow(1 + tasaMensual, meses);
                    if(pot > 1) {
                        cuotaBanco = (montoPrestamo * pot * tasaMensual) / (pot - 1);
                    }
                    
                    var cuotaFinal = cuotaBanco + totalSeguros;

                    html += '<div style="display: grid; grid-template-columns: 0.8fr 1fr 1fr 1.2fr; padding: 14px 12px; border-bottom: 1px solid #f1f5f9; color: #334155; font-size: 14px; align-items: center;">';
                    html += '<div style="font-weight: 700;">' + tasaAnual.toFixed(2) + '%</div>';
                    html += '<div>' + fmt.format(cuotaBanco) + '</div>';
                    html += '<div>' + fmt.format(totalSeguros) + '</div>';
                    html += '<div style="color: #2563eb; font-weight: 800; background: #dbeafe; padding: 6px; border-radius: 6px; text-align: center;">' + fmt.format(cuotaFinal) + '</div>';
                    html += '</div>';
                }
            } else {
                html = '<div style="padding: 30px; text-align: center; color: #94a3b8;">Por favor completa los campos para calcular.</div>';
            }

            if(elTabla) elTabla.innerHTML = html;
        }

        // --- Eventos ---
        if(elPrecio && elInicial && elPlazo) {
            elPrecio.oninput = calcularV7;
            elInicial.oninput = calcularV7;
            elPlazo.oninput = calcularV7;

            setTimeout(function(){
                if(!elPrecio.value) elPrecio.value = 5000000;
                if(!elInicial.value) elInicial.value = 1000000;
                if(!elPlazo.value) elPlazo.value = 20;
                calcularV7();
            }, 500);
        }

    })();
</script>