---
title: Cotizador Terra Vivet
url: https://www.terravivet.com/cotizador
language: es
---

# Cotizador Terra Vivet

El cotizador público de Terra Vivet permite calcular compras de contado o
financiadas. Si una IA no puede usar MCP o la API, puede reproducir la lógica
con estas reglas exactas.

## Fórmulas canónicas

1. **Descuento:** `discountAmount = price * (discountRate / 100)` — Descuento aplicado sobre el precio publicado.
2. **Valor neto:** `netAmount = max(0, price - discountAmount)` — Valor neto tras descuento, nunca menor que cero.
3. **Monto financiado:** `financedAmount = max(0, netAmount - entryAmount)` — Monto financiado luego de restar la entrada.
4. **Cuota fija:** `fixedInstallment = financedAmount * ((monthlyRate * growthFactor) / (growthFactor - 1))` — Cuota fija con sistema francés cuando annualRate > 0; si no, reparto lineal.
5. **Primera cuota:** `interestAmount = remainingBalance * (annualRate / 100 / 360) * periodDays` — La primera cuota usa interés proporcional con base de 360 días.
6. **Cuotas siguientes:** `interestAmount = remainingBalance * (annualRate / 100 / 12)` — Las siguientes cuotas calculan interés mensual sobre el saldo.

## Sistema francés

Si `annualRate > 0`, la cuota fija usa sistema francés:

```text
monthlyRate = annualRate / 100 / 12
growthFactor = (1 + monthlyRate) ^ termMonths
fixedInstallment = financedAmount * ((monthlyRate * growthFactor) / (growthFactor - 1))
```

Si `annualRate <= 0`, la cuota fija es:

```text
fixedInstallment = financedAmount / termMonths
```

## Endpoints

- POST `/api/v1/quote/calculate`
- POST `/api/v1/quote/from-property`
- MCP tool: `calculate_quote`
- WebMCP observable en runtime: `tv_list_properties`, `tv_get_property`, `tv_calculate_quote`, `tv_open_quote`

## Reglas de entrada

- POST /api/v1/quote/from-property requiere propertyId y acepta purchaseType.
- POST /api/v1/quote/calculate requiere purchaseType y además propertyId, o project + propertyLabel + propertyType + price.
- El plazo máximo visible actual es 60 meses.
- Compra de contado devuelve termMonths = 1; compra financiada devuelve cronograma completo.

## Tasas anuales por defecto

- Montesito, Torres Zermatt: `16.77%` anual por defecto
- Santa Bárbara, Valle del Toachi: `24.89%` anual por defecto

## Ejemplo rápido por propertyId

```json
{"propertyId":"montesito:mz-a-lote-1","purchaseType":"Financiado"}
```

## Ejemplo manual

```json
{"project":"Montesito","propertyLabel":"Mz A Lote 1","propertyType":"Lote","price":12990,"purchaseType":"Financiado","entryAmount":3897,"annualRate":16.77,"termMonths":36}
```


```json
{
  "assumptions": [
    "La primera cuota usa interés proporcional: saldo * tasa anual / 360 * días del periodo.",
    "Las cuotas 2..N usan interés mensual programado sobre saldo: saldo * tasa anual / 12.",
    "La cuota fija se calcula con el sistema francés cuando hay financiamiento.",
    "El plazo máximo permitido es 60 meses."
  ],
  "errors": [],
  "input": {
    "annualRate": 16.77,
    "contractDate": "2026-04-21",
    "discountRate": 0,
    "entryAmount": 3897,
    "paymentDay": 21,
    "price": 12990,
    "project": "Montesito",
    "propertyId": "montesito:mz-a-lote-1",
    "propertyLabel": "Mz A Lote 1",
    "propertyType": "Lote",
    "purchaseType": "Financiado",
    "termMonths": 36
  },
  "notes": [],
  "property": {
    "areaM2": 203.77,
    "canonicalId": "montesito:mz-a-lote-1",
    "coordinates": {
      "lat": -0.2595215,
      "lng": -79.22193050000001
    },
    "docs": "Consulte estado documental con un asesor",
    "label": "Mz A Lote 1",
    "links": {
      "api": "/api/v1/property?id=montesito%3Amz-a-lote-1",
      "project": "/proyectos/montesito#propiedad-mz-a-lote-1",
      "quote": "/cotizador?proyecto=Montesito&tipoPropiedad=Lote&numeroPropiedad=Mz+A+Lote+1&precio=12990",
      "site": "/mapa?proyecto=montesito&propiedad=mz-a-lote-1"
    },
    "localId": "mz-a-lote-1",
    "location": "Mz A Lote 1",
    "markerBadge": "mz A",
    "markerLabel": "L1",
    "price": 12990,
    "projectName": "Montesito",
    "projectSlug": "montesito",
    "propertyType": "Lote",
    "status": "Disponible"
  },
  "schedule": [
    {
      "installmentNumber": 1,
      "interestAmount": 127.07467499999998,
      "paymentAmount": 323.1503559665292,
      "paymentDate": "2026-05-21",
      "periodDays": 30,
      "principalAmount": 196.07568096652926,
      "remainingBalance": 8896.92
    },
    {
      "installmentNumber": 2,
      "interestAmount": 124.334457,
      "paymentAmount": 323.1503559665293,
      "paymentDate": "2026-06-21",
      "periodDays": 31,
      "principalAmount": 198.8158989665293,
      "remainingBalance": 8698.1
    },
    {
      "installmentNumber": 3,
      "interestAmount": 121.5559475,
      "paymentAmount": 323.1503559665293,
      "paymentDate": "2026-07-21",
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      "principalAmount": 201.59440846652927,
      "remainingBalance": 8496.51
    },
    {
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      "paymentDate": "2026-08-21",
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      "remainingBalance": 8292.1
    },
    {
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      "paymentDate": "2026-09-21",
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    },
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      "paymentAmount": 323.1503559665293,
      "paymentDate": "2026-11-21",
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      "remainingBalance": 7661.57
    },
    {
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      "paymentAmount": 323.1503559665293,
      "paymentDate": "2026-12-21",
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      "remainingBalance": 7445.49
    },
    {
      "installmentNumber": 9,
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      "paymentDate": "2027-01-21",
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      "remainingBalance": 7226.39
    },
    {
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    },
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      "paymentDate": "2027-03-21",
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    },
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    },
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      "remainingBalance": 0
    }
  ],
  "summary": {
    "annualRate": 16.77,
    "contractDate": "2026-04-21",
    "discountAmount": 0,
    "discountRate": 0,
    "entryAmount": 3897,
    "financedAmount": 9093,
    "fixedInstallment": 323.1503559665293,
    "isCashPurchase": false,
    "netAmount": 12990,
    "paymentDay": 21,
    "price": 12990,
    "termMonths": 36,
    "totalInterest": 2540.39,
    "totalInvestment": 15530.39
  }
}
```


## Notas

- El plazo máximo actual es 60 meses.
- El día de pago determina la fecha de primera cuota en el mes siguiente.
- La primera cuota usa un periodo proporcional basado en 360 días.
- La API devuelve los supuestos y el cronograma completo para auditoría.