SIMULADOR DE CREDITO EDUCATIVO

Condiciones
Linea de Crédito Propios
SubLínea de Crédito Posgrado País sin deudor solidario
Programa académico MAESTRIA EN INGENIERIA MECANICA
Institución educativa UNIVERSIDAD DEL NORTE
Valor Semestre $13,097,700.00
Catidad de semestres a financiar 3
Valor a financiar total $40,052,768.00
Núnero de cuotas época de estudios 18
Número de cuotas época de amortización 36
Valor cuota época de amortización $1,168,940.00
Valor cuota época de estudios promedio $459,689.03
Saldo total a cancelar $50,356,208.00
Aplica periodo de gracia No
Forma de pago etapa estudio 20.0%
Forma de pago etapa final de amortización 80.0%
Plazo de Gracia No meses
Tasa de interés variable IPC+8.0%
Tasa de interés corriente: 11.21%
Tasa de interés mensual 0.93%
Número de cuotas Meses 54
Intereses(Périodo de estudio + gracia) $3,556,642.75

Tabla de amortización
Intereses Intereses Pago i en Condona Flujo Intereses
Giros Período Período Saldo ción por Amortiza Saldo
Periodo Saldo Flujo
Paso al Periodo Giro LP Cuota Abono a período Saldo Intereses Giro CP Cuota Abono a Saldo Pagos pagados Subsidio
Mes Program de Amortiza Inicial Final LP graduaci ción CP Inicial Final CP Total
de Tasa Desembo
Cobro amortiza LP K LP de CP CP K CP Estudian Estudian de tasa
ados Gracia ción LP Estudios CP Final lsos
ción estudio ón te te
 Tabla de amortización
+ Gracia
$97,849. $0.00 $10,478, $0.00 $97,849. $10,478, $0.00 $2,619,5 $24,462. $2,619,5 $450,970 $426,507 $2,193,0 $12,671, 0.93% $13,097, $548,820 $122,312 $0.00
1 Si No No No $0.00 $0.00 6
75 160.00 75 160.00 40.00 44 40.00 .31 .88 32.25 192.00 700.00 .06 .19
$10,478, $97,849. $0.00 $97,849. $10,478, $0.00 $2,193,0 $20,479. $0.00 $450,970 $430,490 $1,762,5 $12,240, 0.93% $548,820 $118,329 $0.00
2 No No No No $0.00 $0.00 $0.00 5 $0.00
160.00 75 75 160.00 32.25 52 .31 .78 41.38 701.00 .06 .27
$10,478, $97,849. $0.00 $97,849. $10,478, $0.00 $1,762,5 $16,459. $0.00 $450,970 $434,510 $1,328,0 $11,806, 0.93% $548,820 $114,309 $0.00
3 No No No No $0.00 $0.00 $0.00 4 $0.00
160.00 75 75 160.00 41.38 40 .31 .91 30.50 190.00 .06 .15
$10,478, $97,849. $0.00 $97,849. $10,478, $0.00 $1,328,0 $12,401. $0.00 $450,970 $438,568 $889,461 $11,367, 0.93% $548,820 $110,251 $0.00
4 No No No No $0.00 $0.00 $0.00 3 $0.00
160.00 75 75 160.00 30.50 74 .31 .56 .88 622.00 .06 .49
$10,478, $97,849. $0.00 $97,849. $10,478, $0.00 $889,461 $8,306.1 $0.00 $450,970 $442,664 $446,797 $10,924, 0.93% $548,819 $106,155 $0.00
5 No No No No $0.00 $0.00 $0.00 2 $0.00
160.00 75 75 160.00 .88 9 .19 .00 .91 958.00 .94 .95
$10,478, $97,849. $0.00 $97,849. $10,478, $0.00 $446,797 $4,172.4 $0.00 $450,970 $446,797 $-0.01 $10,478, 0.93% $548,820 $102,022 $0.00
6 No No No No $0.00 $0.00 $0.00 1 $0.00
160.00 75 75 160.00 .91 0 .31 .91 160.00 .06 .15
$10,478, $195,699 $0.00 $10,478, $0.00 $195,699 $20,956, $0.00 $2,619,5 $24,462. $2,619,5 $450,970 $426,507 $2,193,0 $23,149, 0.93% $13,097, $646,669 $220,161 $0.00
7 Si No No No $0.00 6
160.00 .50 160.00 .50 320.00 40.00 44 40.00 .31 .88 32.25 352.00 700.00 .81 .94
$20,956, $195,699 $0.00 $195,699 $20,956, $0.00 $2,193,0 $20,479. $0.00 $450,970 $430,490 $1,762,5 $22,718, 0.93% $646,669 $216,179 $0.00
8 No No No No $0.00 $0.00 $0.00 5 $0.00
320.00 .50 .50 320.00 32.25 52 .31 .78 41.38 862.00 .81 .02
$20,956, $195,699 $0.00 $195,699 $20,956, $0.00 $1,762,5 $16,459. $0.00 $450,970 $434,510 $1,328,0 $22,284, 0.93% $646,669 $212,158 $0.00
9 No No No No $0.00 $0.00 $0.00 4 $0.00
320.00 .50 .50 320.00 41.38 40 .31 .91 30.50 350.00 .81 .91
$20,956, $195,699 $0.00 $195,699 $20,956, $0.00 $1,328,0 $12,401. $0.00 $450,970 $438,568 $889,461 $21,845, 0.93% $646,669 $208,101 $0.00
10 No No No No $0.00 $0.00 $0.00 3 $0.00
320.00 .50 .50 320.00 30.50 74 .31 .56 .88 782.00 .81 .25
$20,956, $195,699 $0.00 $195,699 $20,956, $0.00 $889,461 $8,306.1 $0.00 $450,970 $442,664 $446,797 $21,403, 0.93% $646,669 $204,005 $0.00
11 No No No No $0.00 $0.00 $0.00 2 $0.00
320.00 .50 .50 320.00 .88 9 .19 .00 .88 118.00 .69 .69
$20,956, $195,699 $0.00 $195,699 $20,956, $0.00 $446,797 $4,172.4 $0.00 $450,970 $446,797 $-0.01 $20,956, 0.93% $646,669 $199,871 $0.00
12 No No No No $0.00 $0.00 $0.00 1 $0.00
320.00 .50 .50 320.00 .88 0 .31 .91 320.00 .81 .91
$20,956, $299,224 $0.00 $11,085, $0.00 $299,224 $32,042, $0.00 $2,771,4 $25,881. $2,771,4 $477,126 $451,245 $2,320,2 $34,362, 0.93% $13,857, $776,351 $325,105 $0.00
13 Si No No No $0.00 6
320.00 .53 893.00 .53 212.00 73.25 26 73.25 .50 .25 28.00 440.00 366.00 .00 .78
$32,042, $299,224 $0.00 $299,224 $32,042, $0.00 $2,320,2 $21,667. $0.00 $477,126 $455,459 $1,864,7 $33,906, 0.93% $776,351 $320,891 $0.00
14 No No No No $0.00 $0.00 $0.00 5 $0.00
212.00 .53 .53 212.00 28.00 33 .59 .28 68.75 980.00 .12 .88
$32,042, $299,224 $0.00 $299,224 $32,042, $0.00 $1,864,7 $17,414. $0.00 $477,126 $459,712 $1,405,0 $33,447, 0.93% $776,351 $316,638 $0.00
15 No No No No $0.00 $0.00 $0.00 4 $0.00
212.00 .53 .53 212.00 68.75 05 .50 .47 56.25 268.00 .00 .56
$32,042, $299,224 $0.00 $299,224 $32,042, $0.00 $1,405,0 $13,121. $0.00 $477,126 $464,005 $941,050 $32,983, 0.93% $776,351 $312,345 $0.00
16 No No No No $0.00 $0.00 $0.00 3 $0.00
212.00 .53 .53 212.00 56.25 04 .59 .56 .69 262.00 .12 .56
$32,042, $299,224 $0.00 $299,224 $32,042, $0.00 $941,050 $8,787.9 $0.00 $477,126 $468,338 $472,712 $32,514, 0.93% $776,351 $308,012 $0.00
17 No No No No $0.00 $0.00 $0.00 2 $0.00
212.00 .53 .53 212.00 .69 5 .50 .53 .16 924.00 .00 .50
$32,042, $299,224 $0.00 $299,224 $32,042, $0.00 $472,712 $4,414.4 $0.00 $477,126 $472,712 $-0.04 $32,042, 0.93% $776,351 $303,638 $0.00
18 No No Si No $0.00 $0.00 $0.00 1 $0.00
212.00 .53 .53 212.00 .16 0 .59 .19 212.00 .12 .94
$35,598, $0.00 $332,438 $0.00 $1,168,9 $836,500 $0.00 $34,762, $0.00 $34,762, 0.93% $1,168,9 $332,438 $0.00
19 No No No Si 0 $-0.04 $-0.00 $0.00 $0.00 $0.00 $-0.04 $0.00
856.00 .06 39.00 .94 352.00 352.00 39.00 .06
$34,762, $0.00 $324,626 $0.00 $1,168,9 $844,312 $0.00 $33,918, $0.00 $33,918, 0.93% $1,168,9 $324,626 $0.00
20 No No No Si 0 $-0.04 $-0.00 $0.00 $0.00 $0.00 $-0.04 $0.00
352.00 .44 39.00 .56 040.00 040.00 39.00 .44
$33,918, $0.00 $316,741 $0.00 $1,168,9 $852,197 $0.00 $33,065, $0.00 $33,065, 0.93% $1,168,9 $316,741 $0.00
21 No No No Si 0 $-0.04 $-0.00 $0.00 $0.00 $0.00 $-0.04 $0.00
040.00 .88 39.00 .12 844.00 844.00 39.00 .88
$33,065, $0.00 $308,783 $0.00 $1,168,9 $860,155 $0.00 $32,205, $0.00 $32,205, 0.93% $1,168,9 $308,783 $0.00
22 No No No Si 0 $-0.04 $-0.00 $0.00 $0.00 $0.00 $-0.04 $0.00
844.00 .69 39.00 .31 688.00 688.00 39.00 .69
$32,205, $0.00 $300,751 $0.00 $1,168,9 $868,187 $0.00 $31,337, $0.00 $31,337, 0.93% $1,168,9 $300,751 $0.00
23 No No No Si 0 $-0.04 $-0.00 $0.00 $0.00 $0.00 $-0.04 $0.00
688.00 .16 39.00 .81 500.00 500.00 39.00 .16
$31,337, $0.00 $292,643 $0.00 $1,168,9 $876,295 $0.00 $30,461, $0.00 $30,461, 0.93% $1,168,9 $292,643 $0.00
24 No No No Si 0 $-0.04 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
500.00 .62 39.00 .38 206.00 206.00 39.00 .62
$30,461, $0.00 $284,460 $0.00 $1,168,9 $884,478 $0.00 $29,576, $0.00 $29,576, 0.93% $1,168,9 $284,460 $0.00
25 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
206.00 .41 39.00 .62 726.00 726.00 39.00 .41
$29,576, $0.00 $276,200 $0.00 $1,168,9 $892,738 $0.00 $28,683, $0.00 $28,683, 0.93% $1,168,9 $276,200 $0.00
26 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
726.00 .75 39.00 .25 988.00 988.00 39.00 .75
$28,683, $0.00 $267,863 $0.00 $1,168,9 $901,075 $0.00 $27,782, $0.00 $27,782, 0.93% $1,168,9 $267,863 $0.00
27 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
988.00 .94 39.00 .06 914.00 914.00 39.00 .94
$27,782, $0.00 $259,449 $0.00 $1,168,9 $909,489 $0.00 $26,873, $0.00 $26,873, 0.93% $1,168,9 $259,449 $0.00
28 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
914.00 .30 39.00 .69 424.00 424.00 39.00 .30
$26,873, $0.00 $250,956 $0.00 $1,168,9 $917,982 $0.00 $25,955, $0.00 $25,955, 0.93% $1,168,9 $250,956 $0.00
29 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
424.00 .08 39.00 .94 440.00 440.00 39.00 .08
$25,955, $0.00 $242,383 $0.00 $1,168,9 $926,555 $0.00 $25,028, $0.00 $25,028, 0.93% $1,168,9 $242,383 $0.00
30 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
440.00 .55 39.00 .44 886.00 886.00 39.00 .55
$25,028, $0.00 $233,730 $0.00 $1,168,9 $935,208 $0.00 $24,093, $0.00 $24,093, 0.93% $1,168,9 $233,730 $0.00
31 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
886.00 .95 39.00 .06 678.00 678.00 39.00 .95
$24,093, $0.00 $224,997 $0.00 $1,168,9 $943,941 $0.00 $23,149, $0.00 $23,149, 0.93% $1,168,9 $224,997 $0.00
32 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
678.00 .56 39.00 .44 736.00 736.00 39.00 .56
 Tabla de amortización
$23,149, $0.00 $216,182 $0.00 $1,168,9 $952,756 $0.00 $22,196, $0.00 $22,196, 0.93% $1,168,9 $216,182 $0.00
33 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
736.00 .61 39.00 .38 980.00 980.00 39.00 .61
$22,196, $0.00 $207,285 $0.00 $1,168,9 $961,653 $0.00 $21,235, $0.00 $21,235, 0.93% $1,168,9 $207,285 $0.00
34 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
980.00 .34 39.00 .62 326.00 326.00 39.00 .34
$21,235, $0.00 $198,305 $0.00 $1,168,9 $970,634 $0.00 $20,264, $0.00 $20,264, 0.93% $1,168,9 $198,305 $0.00
35 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
326.00 .00 39.00 .00 692.00 692.00 39.00 .00
$20,264, $0.00 $189,240 $0.00 $1,168,9 $979,698 $0.00 $19,284, $0.00 $19,284, 0.93% $1,168,9 $189,240 $0.00
36 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
692.00 .78 39.00 .25 994.00 994.00 39.00 .78
$19,284, $0.00 $180,091 $0.00 $1,168,9 $988,847 $0.00 $18,296, $0.00 $18,296, 0.93% $1,168,9 $180,091 $0.00
37 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
994.00 .92 39.00 .06 146.00 146.00 39.00 .92
$18,296, $0.00 $170,857 $0.00 $1,168,9 $998,081 $0.00 $17,298, $0.00 $17,298, 0.93% $1,168,9 $170,857 $0.00
38 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
146.00 .62 39.00 .38 066.00 066.00 39.00 .62
$17,298, $0.00 $161,537 $0.00 $1,168,9 $1,007,4 $0.00 $16,290, $0.00 $16,290, 0.93% $1,168,9 $161,537 $0.00
39 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
066.00 .09 39.00 01.94 663.00 663.00 39.00 .09
$16,290, $0.00 $152,129 $0.00 $1,168,9 $1,016,8 $0.00 $15,273, $0.00 $15,273, 0.93% $1,168,9 $152,129 $0.00
40 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
663.00 .52 39.00 09.50 854.00 854.00 39.00 .52
$15,273, $0.00 $142,634 $0.00 $1,168,9 $1,026,3 $0.00 $14,247, $0.00 $14,247, 0.93% $1,168,9 $142,634 $0.00
41 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
854.00 .09 39.00 04.88 549.00 549.00 39.00 .09
$14,247, $0.00 $133,050 $0.00 $1,168,9 $1,035,8 $0.00 $13,211, $0.00 $13,211, 0.93% $1,168,9 $133,050 $0.00
42 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
549.00 .00 39.00 89.00 660.00 660.00 39.00 .00
$13,211, $0.00 $123,376 $0.00 $1,168,9 $1,045,5 $0.00 $12,166, $0.00 $12,166, 0.93% $1,168,9 $123,376 $0.00
43 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
660.00 .41 39.00 62.62 097.00 097.00 39.00 .41
$12,166, $0.00 $113,612 $0.00 $1,168,9 $1,055,3 $0.00 $11,110, $0.00 $11,110, 0.93% $1,168,9 $113,612 $0.00
44 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $0.00
097.00 .47 39.00 26.50 771.00 771.00 39.00 .47
$11,110, $0.00 $103,757 $0.00 $1,168,9 $1,065,1 $0.00 $10,045, $0.00 $10,045, 0.93% $1,168,9 $103,757 $0.00
45 No No No Si 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.06 $0.00
771.00 .36 39.00 81.62 589.00 589.00 39.00 .36
$10,045, $0.00 $93,810. $0.00 $1,168,9 $1,075,1 $0.00 $8,970,4 $0.00 $8,970,4 0.93% $1,168,9 $93,810. $0.00
46 No No No Si 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $0.00
589.00 22 39.00 28.75 60.00 60.00 39.00 22
$8,970,4 $0.00 $83,770. $0.00 $1,168,9 $1,085,1 $0.00 $7,885,2 $0.00 $7,885,2 0.93% $1,168,9 $83,770. $0.00
47 No No No Si 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $0.00
60.00 18 39.00 68.88 91.50 91.50 39.00 18
$7,885,2 $0.00 $73,636. $0.00 $1,168,9 $1,095,3 $0.00 $6,789,9 $0.00 $6,789,9 0.93% $1,168,9 $73,636. $0.00
48 No No No Si 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $0.00
91.50 39 39.00 02.62 89.00 89.00 39.00 39
$6,789,9 $0.00 $63,407. $0.00 $1,168,9 $1,105,5 $0.00 $5,684,4 $0.00 $5,684,4 0.93% $1,168,9 $63,407. $0.00
49 No No No Si 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $0.00
89.00 96 39.00 31.00 58.00 58.00 39.00 96
$5,684,4 $0.00 $53,084. $0.00 $1,168,9 $1,115,8 $0.00 $4,568,6 $0.00 $4,568,6 0.93% $1,168,9 $53,084. $0.00
50 No No No Si 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $0.00
58.00 02 39.00 55.00 03.00 03.00 39.00 02
$4,568,6 $0.00 $42,663. $0.00 $1,168,9 $1,126,2 $0.00 $3,442,3 $0.00 $3,442,3 0.93% $1,168,9 $42,663. $0.00
51 No No No Si 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $0.00
03.00 66 39.00 75.38 27.75 27.75 39.00 66
$3,442,3 $0.00 $32,146. $0.00 $1,168,9 $1,136,7 $0.00 $2,305,5 $0.00 $2,305,5 0.93% $1,168,9 $32,146. $0.00
52 No No No Si 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $0.00
27.75 00 40.00 94.00 33.75 33.50 40.00 00
$2,305,5 $0.00 $21,530. $0.00 $1,168,9 $1,147,4 $0.00 $1,158,1 $0.00 $1,158,1 0.93% $1,168,9 $21,530. $0.00
53 No No No Si 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $0.00
33.75 11 39.00 08.88 24.75 24.75 39.00 11
$1,158,1 $0.00 $10,815. $0.00 $1,168,9 $1,158,1 $0.00 $1,168,9 $10,815. $0.00
54 No No No Si $0.12 $0.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $0.06 0.93% $0.00
24.75 09 40.00 24.88 40.00 09
Apreciado aspirante:
De acuerdo con la informacin que suministraste en el Formulario de Solicitud de Crdito Educativo, adjuntamos la informacin que arroja el simulador
de crdito con una proyeccin estimada de la financiacin a la que aspiras acceder.
Es importante que sepas que la informacin suministrada en esta simulacin te ofrece valores proyectados o aproximados. Por lo tanto, debes tenerlos
en cuenta como referencia, y no como informacin final y definitiva, al momento de la liquidacin total del tu crdito
Ten en cuenta que el comportamiento de tu crdito educativo, est determinado por las condiciones de la lnea que elijas, tu comportamiento de pagos y
las condiciones descritas en el Reglamento de Crdito Educativo de la entidad, el cual puedes encontrar en el siguiente enlace:
https://portal.icetex.gov.co/Portal/Home/el-icetex/biblioteca/reglamentodecredito

El objetivo de este simulador es el de brindarte una informacin estimada del comportamiento del crdito educativo. Debes saber que el simulador no
comprende costos asociados a dicho crdito como son los siguientes:
-Aporte al Fondo de Invalidez y Muerte, que el estudiante debe pagar en cada perodo acadmico de acuerdo con el valor financiado y que corresponde
a un 2% del valor de la matrcula.
-Pago del estudio en centrales de riesgo, que se hace en el momento de solicitar el crdito para que sean evaluados los antecedentes crediticios del
deudor solidario postulado.
-Otros gastos que surgen como novedades por pagos no realizados o retrasos en estos, como son los intereses causados y no reembolsados en la etapa
de estudios (si la lnea contempla estos pagos en esta etapa) y los intereses de mora por presentarse das vencidos en la fecha del pago de la cuota.
Al ser esta una simulacin proyectada en el tiempo, debes tambin tener en cuenta que el monto total variar de acuerdo con:
-El incremento del costo de la matrcula que determina la Institucin de Educacin Superior (IES) para cada perodo acadmico y que debe ser
desembolsado semestralmente por ICETEX,
-El ndice de Precios al Consumidor (IPC) definido cada ao por el DANE. Recuerda que el IPC es el valor del dinero ajustado en el tiempo y que las
tasas de inters de ICETEX estn compuestas por el IPC ms unos puntos porcentuales segn la lnea elegida, las cuales oscilan entre el IPC ms 7 puntos y
el IPC ms 9 puntos mximo.
-Adems, en el caso de estudios en el exterior, es necesario que sepas que el costo del crdito tambin variar de acuerdo con la tasa de cambio de la
moneda del pas de destino al momento de los desembolsos, lo cual se refleja en la liquidacin del crdito.
-As mismo, te indicamos que esta simulacin no contempla situaciones relacionadas con tu comportamiento crediticio que tienen un impacto en el
valor total del crdito como: las demoras en tus pagos, o los mecanismos de alivio financiero que solicites en caso de dificultades, como refinanciacin,
prrroga, aplazamiento o congelamiento de pagos.
-Tampoco tiene en cuenta los perodos de gracia que llegues a solicitar o cualquier novedad que agilice el pago de tu financiacin, como es el pago
anticipado del valor parcial o total del crdito.
El contenido de este documento y/o sus anexos, es de carcter confidencial y para tu uso exclusivo, sin la intencin de que sea revelada o divulgada a
otras personas. El acceso al contenido de esta comunicacin por cualquier otra persona diferente no est autorizado por ICETEX y es objeto de sancin
de acuerdo con las normas legales aplicables.
El manejo de datos de informacin personal y crediticia que ingreses en este simulador ser tratado de acuerdo con lo estipulado en la Poltica de
tratamiento de datos personales (el cual puedes consultar en el sitio web de ICETEX www.icetex.gov.co o haciendo clic en el siguiente enlace:
https://portal.icetex.gov.co/Portal/Home/atencion-al-ciudadano/politica-de-tratamiento-de-datos-personales-ICETEX/), en cumplimiento de la Ley
1581 de 2012, por la cual se dictan disposiciones para la proteccin de datos personales.