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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valor del inmueble",null,"Tarifa "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mínimo","Máximo","Costo","IVA","Total"]
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[null,null,null,"SIMULADOR HIPOTECARIO BANCA MIFEL  ",null,null,null,null,null,null,null,null,null,null,null,null,1000001,1500000,3500,{"$f":"S5*0.16","v":560},{"$f":"SUM(S5:T5)","v":4060}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1500001,2000000,4225,676,4901]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2000001,2500000,5300,848,6148]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2500001,3000000,6400,1024,7424]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3000001,3500000,6700,1072,7772]
[null,null,"Datos de la solicitud",null,null,null,null,null,null,null,null,null,null,null,null,null,3500001,4000000,7725,1236,8961]
[null,null,"TIPO DE PRODUCTO:","FOVISSSTE PARA TODOS",null,null,null,null,null,null,null,null,null,null,null,null,4000001,4500000,8750,1400,10150]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4500001,5000000,9775,1564,11339]
[null,null,"NOMBRE DEL SOLICITANTE:",null,null,null,null,null,null,null,null,null,null,null,null,null,5000001,5500000,10825,1732,12557]
[null,null,"EDAD MÁXIMA DEL SOLICITANTE:",{"$f":"IF(D22=5,\"74 años 11 meses\",IF(D22=10,\"69 años 11 meses\",IF(D22=15,\"64 años 11 meses\",IF(D22=20,\"59 años 11 meses\",IF(D22=25,\"54 años 11 meses\",\"\")))))","v":""},null,"FECHA:",{"$f":"TODAY()","v":"2026-04-06"},null,null,null,null,null,null,null,null,null,5500000,6000000,11875,1900,13775]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6000001,6500000,13000,2080,15080]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6500001,7000000,14100,2256,16356]
[null,null,"Datos del Crédito",null,null,"Gastos Iniciales",null,null,null,null,null,null,null,null,null,null,7000001,7500000,15200,2432,17632]
[null,null,"TIPO DE PRODUCTO:",null,null,"% Y MONTO DE ENGANCHE:",{"$f":"IFERROR((D20-D21)/D20,0)","v":0},{"$f":"IFERROR(D20*G18,\"\")","v":0},null,null,null,null,null,null,null,null,7500001,8000000,15840,2534.4,18374.400000000001]
[null,null,"MODALIDAD:",null,null,"COMISIÓN POR APERTURA:",{"$f":"IF(OR(D19=\"INGRESO ADICIONAL\",D19=\"COACREDITADO\",D19=\"CÓNYUGE + INGRESO ADICIONAL\"),0%,0%)","v":0},{"$f":"IFERROR(ROUND(D36*G19+D37*G19,0),0)","v":0},null,null,null,null,null,null,null,null,8000001,8500000,16500,2640,19140]
[null,null,"VALOR DE COMPRAVENTA:",null,null,"COMISIÓN POR ADMINISTRACIÓN:",{"$f":"ROUND(IF(OR(D19=\"INGRESO ADICIONAL\",D19=\"COACREDITADO\"),0*1.16,0%),0)","v":0},null,null,null,null,null,null,null,null,null,8500001,9000000,17250,2760,20010]
[null,null,"CRÉDITO SOLICITADO:",null,null,"GASTOS NOTARIALES:",0,{"$f":"IF(D20*G21<=0,0,D20*G21)","v":0},null,null,null,null,null,null,{"$f":"D20*0.97","v":0},null,9000001,9500000,18000,2880,20880]
[null,null,"PLAZO DE CRÉDITO:",null,null,"ESTUDIO SOCIOECONÓMICO:",{"$f":"ROUND(IF(D18=\"MANCOMUNADO\",(0*1.16)*2,0*1.16),0)","v":0},null,null,null,null,null,null,null,null,null,9500001,10000000,18600,2976,21576]
[null,null,"CAMPAÑA:",null,null,"AVALÚO:",{"$f":"O4","v":2900},null,null,null,null,null,null,null,null,null,10000001,12000000,21000,3360,24360]
[null,null,null,null,null,"DESEMBOLSO INICIAL:",{"$f":"IFERROR(H18+H19+G20+H21+G22+G23,\"\")","v":2900},null,null,null,null,null,null,null,null,null,12000001,14000000,22400,3584,25984]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14000001,16000000,25600,4096,29696]
[null,null,"Datos del Acreditado",null,null,{"$f":"IF(D18=\"INDIVIDUAL\",\"\",IF(D19=\"COACREDITADO\",\"Datos del Coacreditado\",\"Datos del Cónyuge\"))","v":"Datos del Cónyuge"},null,null,null,null,null,null,null,null,null,null,16000001,18000000,28800,4608,33408]
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["Cony",{"$f":"1-B27","v":{"$error":"#DIV/0!"}},"PAGO DE OBLIGACIONES ACREDITADO:",null,null,{"$f":"IF(D18=\"INDIVIDUAL\",\"\",IF(AND(D18=\"MANCOMUNADO\",D19=\"COACREDITADO\"),\"PAGO DE OBLIGACIONES COACREDITADO:\",\"PAGO DE OBLIGACIONES CÓNYUGE:\"))","v":"PAGO DE OBLIGACIONES CÓNYUGE:"},null,null,null,null,null,null,null,null,null,null,20000001,35000000,"1.5 AL MILLAR + IVA"]
[null,null,"MONTO SSV ACREDITADO:",null,null,{"$f":"IF(D18=\"INDIVIDUAL\",\"\",IF(AND(D18=\"MANCOMUNADO\",D19=\"COACREDITADO\"),\"\",\"MONTO SSV CÓNYUGE:\"))","v":"MONTO SSV CÓNYUGE:"},null,null,null,null,null,null,null,null,null,null,35000001,50000000,"1.3 AL MILLAR + IVA"]
[null,null,"SUELDO BASE ACREDITADO:",null,null,{"$f":"IF(D18=\"INDIVIDUAL\",\"\",IF(AND(D18=\"MANCOMUNADO\",D19=\"COACREDITADO\"),\"\",\"SUELDO BASE CÓNYUGE:\"))","v":"SUELDO BASE CÓNYUGE:"},null,null,null,null,null,null,null,null,null,null,50000001,70000000,"1.0 AL MILLAR + IVA"]
[null,null,{"$f":"IF(D19=\"TRADICIONAL\",\"\",IF(OR(D19=\"INGRESO ADICIONAL\",D19=\"CÓNYUGE + INGRESO ADICIONAL\"),\"INGRESO ADICIONAL ACREDITADO:\",\"\"))","v":""},12000,null,null,null,null,null,null,null,null,null,null,null,null,70000001,"en adelante","Mediante cotización"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Distribución del Crédito","Monto","Mensualidad",null,"TASA","CAT"]
[null,null,"CRÉDITO INDIVIDUAL:",{"$f":"IFERROR(ROUND(MIN(PV(G35/12,D22*12,-((D27*0.73)-D28)),D21,IF(D29+G29<=D20-D21,(D21)*B27,(D20-D29-G29)*B27)),0),0)","v":0},{"$f":"IFERROR(PMT(G35/12,D22*12,-D35),0)","v":0},null,{"$f":"IF(D22=\"\",0,IF(D23=\"MUNDIALISTA\",9.6%,DATOS!N2))","v":0},{"$f":"IFERROR(((1+IRR('FPT Titular'!U7:U308))^(12))-1,0)","v":0}]
[null,null,{"$f":"IF(D19=\"INGRESO ADICIONAL\",\"CRÉDITO INGRESO ADICIONAL:\",IF(D19=\"COACREDITADO\",\"CRÉDITO COACREDITADO:\",IF(OR(D19=\"CÓNYUGE\",D19=\"CÓNYUGE + INGRESO ADICIONAL\"),\"CRÉDITO CÓNYUGE:\",\"\")))","v":""},{"$f":"IFERROR(IF(C36=\"\",0,ROUND(IF((D21-IF(AND(D18=\"MANCOMUNADO\",D19<>\"COACREDITADO\"),D29+G29,D29))>D35,IF((MIN(IF(D18=\"MANCOMUNADO\",G27-G28,D31)*500,PV(G36/12,D22*12,-(IF(D18=\"MANCOMUNADO\",(G27*0.73)-G28,D31))),(D21-D35-IF(AND(D18=\"MANCOMUNADO\",D19<>\"COACREDITADO\"),D29+G29,D29))))>(D21-D35-IF(AND(D18=\"MANCOMUNADO\",D19<>\"COACREDITADO\"),D29+G29,D29)),(D21-D35),MIN(IF(D18=\"MANCOMUNADO\",G27-G28,D31)*500,PV(G36/12,D22*12,-(IF(D18=\"MANCOMUNADO\",(G27*0.73)-G28,D31))),IF(D29+G29<=D20-D21,D21-D35,D20-D35-D29-G29))),0),0)),0)","v":0},{"$f":"IFERROR(PMT(G36/12,D22*12,-D36),\"\")","v":""},null,{"$f":"IF(C36=\"\",\"\",IF(D23=\"MUNDIALISTA\",9.6%,IF(OR(D19=\"CÓNYUGE\",D19=\"CÓNYUGE + INGRESO ADICIONAL\"),9.6%,DATOS!N3)))","v":""},{"$f":"IF(C36=\"\",\"\",IFERROR(((1+IRR('FPT Adicional 1'!U7:U308))^(12))-1,0))","v":""}]
[null,null,{"$f":"IF(D19=\"CÓNYUGE + INGRESO ADICIONAL\",\"INGRESO ADICIONAL:\",\"\")","v":""},{"$f":"IFERROR(ROUND(IF(AND(D19=\"CÓNYUGE + INGRESO ADICIONAL\",D18=\"MANCOMUNADO\"),IF((D21-D35-D36)>0,MIN(D31*500,PV(G37/12,D22*12,-D31*0.73),(D21-D35-D36),(D21-D35-D36)),0)),0),0)","v":0},{"$f":"IFERROR(PMT(G37/12,D22*12,-D37),\"\")","v":""},null,{"$f":"IF(C37=\"\",\"\",IF(D23=\"MUNDIALISTA\",9.6%,DATOS!N3))","v":""},{"$f":"IF(C37=\"\",\"\",IFERROR(((1+IRR('FPT Adicional 2'!U7:U308))^(12))-1,0))","v":""}]
[null,null,"TOTAL DE CRÉDITOS:",{"$f":"IF(D27=\"\",0,IF(SUM(D35:D37)<300000,\"CRÉDITO MÍNIMO DE $300,000\",SUM(D35:D37)))","v":0},{"$f":"SUM(E35:F37)","v":0}]
[null,null,"TOTAL DE SSV:",{"$f":"D29+G29","v":0}]
[null,null,"DIFERENCIA CON RECURSO PROPIO:",{"$f":"IFERROR(D20-D38-D39,0)","v":0}]

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[null,null,null,null,"Acreditado:",null,null,null,null,null,null,null,"Fecha :",{"$f":"TODAY()","v":"2026-04-06"}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SIN_COMISIONES155",0.11,">30%",15]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SIN_COMISIONES201",0.1125,"10%-14%",20]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SIN_COMISIONES202",0.1125,"15%-19%",20]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SIN_COMISIONES203",0.111,"20%-24%",20]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SIN_COMISIONES204",0.111,"25%-29%",20]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SIN_COMISIONES205",0.11,">30%",20]
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["*=SI.ERROR(SI(C36=\"\",\"\",REDONDEAR(SI((D21-D22-SI(Y(D18=\"MANCOMUNADO\",D19<>\"COACREDITADO\"),D26+D30,D26))>D35,SI((MIN(SI(D18=\"MANCOMUNADO\",D28-D29,D24)*30,VA(G36/12,D20*12,-(SI(D18=\"MANCOMUNADO\",D28-D29,D24)*0.2861)),(D21-D35-SI(Y(D18=\"MANCOMUNADO\",D19<>\"COACREDITADO\"),D26+D30,D26))))>(D21-D22-D35-SI(Y(D18=\"MANCOMUNADO\",D19<>\"COACREDITADO\"),D26+D30,D26)),(D21-D22-D35),MIN(SI(D18=\"MANCOMUNADO\",D28-D29,D24)*30,VA(G36/12,D20*12,-(SI(D18=\"MANCOMUNADO\",D28-D29,D24)*0.2861)),(D21-D35-SI(Y(D18=\"MANCOMUNADO\",D19<>\"COACREDITADO\"),D26+D30,D26)))),0),0)),0)"]