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{"sheet":"Simulador 7x5","index":0,"n_rows":101,"n_cols":44,"rows_kept":101,"cut":false,"hidden":false,"merged":[[38,4,38,9],[4,2,4,11],[9,2,9,4],[9,7,9,9],[2,2,2,11],[3,2,3,11],[35,2,35,11],[36,2,36,11],[12,2,12,4],[15,2,15,4],[12,7,12,9],[15,7,15,9]]}
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[]
[null,null,"SIMULADOR CREDITO HIPOTECARIO"]
[null,null,"FINANCIAMIENTO LIQUIDEZ LIBRE SCOTIABANK"]
[null,null,"7x5"]
[]
[null,null,{"$f":"TODAY()","v":"2024-03-22"}]
[]
[null,null,"Lugar",null,null,null,null,"Sucursal"]
[]
[]
[null,null,"Nombre del cliente / Conyuge en su caso.",null,null,null,null,"Ejecutivo/Broker que le atendió"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"."]
[]
[null,null,"Telefonos del cliente",null,null,null,null,"Teléfonos del ejecutivo"]
[]
[]
[null,null,"Paso 1",null,null,null,null,"Paso 3",null,"Paso 4"]
[null,null,"Escoja su base de cálculo",null,null,null,null,"Escoja tipo de comisión",null,"El cliente opta por seguros externos"]
[]
[null,null,"Paso 2"]
[null,null,"Escriba los datos solicitados:"]
[null,null,null,null,{"$f":"IF(Z46=1,\"Valor del inmueble\",\"Ingresos brutos mensuales\")","v":"Valor del inmueble"},null,null,{"$f":"IF(AND(Z46=1,AD45=2),\"Paso 6\",\"\")","v":""}]
[null,null,null,null,{"$f":"IF(Z46=1,\"Monto Solicitado\",\"\")","v":"Monto Solicitado"},null,null,{"$f":"IF(AND(Z46=1,AD45=2),\"Teclee su sueldo bruto:\",\"\")","v":""}]
[null,null,null,null,"Valor Destructible"]
[]
[]
[null,null,"Paso 5"]
[null,null,"El cliente es TopUp"]
[null,null,{"$f":"IFERROR(IF(AND($Z$46=2,$C$23<$S$40),\"Los ingresos mínimos requeridos son $\"&TEXT($S$40,\"#,##0\"),\"Para el monto solicitado el porcentaje máximo de financiamiento es del 75% - Aplica solo para IR 1 y 2\"),\"\")","v":"Para el monto solicitado el porcentaje máximo de financiamiento es del 75% - Aplica solo para IR 1 y 2"}]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"maximo monto",{"$f":"MAX(F49:L49)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LTV",{"$f":"IFERROR(G48/G46,0)","v":0}]
[null,null,"SIMULADOR CREDITO HIPOTECARIO"]
[null,null,"FINANCIAMIENTO LIQUIDEZ LIBRE SCOTIABANK"]
[]
[null,null,null,null,"7x5",null,null,null,null,null,null,null,null,null,null,"Com Apert","Coms. prepago","LTV","Ingresos min.","Monto min.","Monto max","Valor min. viv.","PTI",null,"Calculo de credito construcción"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0.03,0.75,20000,100000,2500000,1000000,0.2,null,{"$f":"(C23+C24)*0.5","v":0},null,{"$f":"IF(AND(Z46=1,C23>0,C24>0),C23-Y43,\"\")","v":""},null,"capital invertido"]
[null,null,"Plazo",null,null,null,"5 AÑOS",null,null,null,null,null,null,null,null,null,"Esquemas",null,"Plazo",1,null,null,null,null,{"$f":"C23*0.75","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Y40<Y41,Y40,Y41)","v":0},null,{"$f":"IFERROR(IF((C25+C24)<((C23+C24)*0.5),\"Se necesita mayor capital invertido\",\"\"),0)","v":""},null,null,1]
[null,null,"Tasa de Interés",null,null,null,{"$f":"AA59","v":0.14000000000000001},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(C25+Y42<=C23,Y42,IF(C25>C23,0,IF(Y42+C25>C23,C23-C25,\"\"))),0)","v":0},1]
[null,null,"% máximo de financiamiento",null,null,null,0.75,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($C$24>0,$C$23-$C$24,$C$23-$C$23*$U$46)","v":0},null,null,null,null,null,"Apoyo Infonavit"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.5,"NO",1,0.9,2]
[null,null,"Valor de la vivienda",null,null,null,{"$f":"IFERROR(IF($Z$46=1,$C$23,G48/$R$40),0)","v":0},null,null,null,null,null,null,null,null,null,"Liquidez Libre",1,null,"% de enganche",{"$f":"IF(C23=0,0,IF(C24/C23>1,0,C24/C23))","v":0},{"$f":"IF(R46=2,\" \",\"Monto a Financiar\")","v":"Monto a Financiar"},null,"Pago por mil","Por Valor del Inmueble",1,1,0.5,"SI",null,0.95,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cambio de pasivo o adquisi",null,{"$f":"IF(AND(R46=1,Z46=1),\"Enganche\",IF(AND(R46=2,Z46=1),\"Saldo actual\",\"\"))","v":"Enganche"},{"$f":"G48","v":0},null,{"$f":"IF($T$41=1,$AB$59,$AB$60)","v":23.4},"Por Ingresos"]
[null,null,"Monto del crédito",null,null,null,{"$f":"IFERROR(IF(AND($Z$46=1,$U$46<=$R$40),$C$24,IF($Z$46=2,G$50/$AB$59*1000,0)),0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ingresos",{"$f":"IFERROR(IF(AND(AD45=2,Z46=1),I25,C23),0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monto a financiar adquisición"]
[null,null,"Erogación inicial",null,null,null,{"$f":"IF($Z$46=1,G48/1000*AB59,$C$23*$W$40)","v":0},null,null,null,null,null,null,null,null,null,"Decsisión de monto a financiar"]
[]
[null,null,"Seguro de vida",null,null,null,{"$f":"G48*IF($Y$81=1,0,$U$75)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(T41=1,G50,#REF!)","v":0}]
[]
[null,null,"Seguro de daños",null,null,null,{"$f":"IF($G$25>0,$G$25,G46)*IF($Y$81=1,0,IF($Y$85=1,0,$U$76))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,"Incremento Anual"]
[]
[null,null,"Iva Intereses",null,null,null,{"$f":"IFERROR($AA$59/360*'Tabla 7x5'!$AV$17*$G$48,0)*$T$65","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Producto","Plazo","Tasas","Pgo x mil","CAT","Mensualidad","Créd. Máx"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Plazo",1,1,1,null,"Informativo"]
[null,null,"Total mensualidad inicial",null,null,null,{"$f":"G54+G52+G50+G56","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"7x5","5 años",0.14000000000000001,23.4]
[]
[null,null,"Incremento anual del pago",null,null,null,0]
[]
[null,null,"Ingresos brutos por comprobar",null,null,null,{"$f":"IF($Z$46=1,G48/1000*$AB$59/$W$40,$C$23)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($T$41=1,$AA$59,$AA$60)","v":0.14000000000000001}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Frontera","NO"]
[null,null,"Comisión por apertura",null,null,null,0,null,null,null,null,null,null,null,null,"IVA","SI",1,1.1599999999999999,0.16]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Apertura",null,1,"Comisión por apertura 1% y comisión por prepago 0%"]
[null,null,{"$f":"\"Avalúo     \"&IF(OR(AND($Z$46=1,$C$23>$Q$82),AND($Z$46=2,G46>$Q$82)),\"'Favor de Cotizar.' - Val. apróx.\",\"\")","v":"Avalúo     "},null,null,null,{"$f":"IFERROR(R101,0)","v":0},null,null,null,null,null,null,null,null,"Premium/Bca Privada",null,{"$f":"IF(R66=2,3%,\"NO APLICA\")","v":"NO APLICA"},"Comisión por apertura 0% y comisión por prepago 3% más IVA"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Com Aut Dif",250,250,250,250,250]
[null,null,"Comisión por pagos anticipados",null,null,null,"NO APLICA",null,null,null,null,null,null,null,null,"Avalúo",{"$f":"IFERROR(IF(C23<$Q$82,VLOOKUP(C23,$P$71:$R$83,3),\"Cotización especial\"),0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mayor a","Hasta a","Importe"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.01,500000,1800,null,"Aforo","Ingresos mínimos","RPI",null,"Factor p/ TIIE"]
[null,null,"Ver tabla de amortización",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Q71+1","v":500001},1000000,2500,null,0.75,20000,0.35,null,4.4999999999999998E-2]
[null,null,"Observaciones:",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Q72+1","v":1000001},2000000,4000]
[null,null,"-No se incluyen los gastos notariales, los cuales se pagaran al momento de la firma del crédito",null,null,null,null,null,null,null,null,null,null,null,null,2000001,3000000,6700,null,"Seguros",null,null,null,"Valor del inmueble",{"$f":"IF($T$41=1,G46,#REF!)","v":0}]
[null,null,"-  El crédito solicitado dependerá de la capacidad de pago de cada cliente",null,null,null,null,null,null,null,null,null,null,null,null,3000001,4000000,9600,null,"Vida",5.9999999999999995E-4,{"$f":"U75","v":5.9999999999999995E-4},null,"Pago por mil",25]
[null,null,"-  Scotiabank se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa en función de las características específicas ",null,null,null,null,null,null,null,null,null,null,null,null,4000001,5000000,12300,null,"Daños",3.1E-4,{"$f":"U76","v":3.1E-4},null,"Plazo",{"$f":"IF($T$41=1,Z59,Z60)","v":"5 años"}]
[null,null,"    del solicitante y del inmueble objeto de la operación.",null,null,null,null,null,null,null,null,null,null,null,null,5000001,8000000,17200,null,null,null,null,null,"Tasa",0.17,null,null,"CALCULO PARA EL IMPORTE MAXIMO DE APORTACION PATRONAL"]
[null,null,"-  En caso de que aplique, la comisión por pagos anticipados causa I.V.A.",null,null,null,null,null,null,null,null,null,null,null,null,8000001,11000000,19800,null,null,null,null,null,"Monto Crédito",{"$f":"IF($T$41=1,G48,#REF!)","v":0},null,null,"Salario diario nominal (UMA enero 2023)",null,103.74]
[null,null,"- Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso.",null,null,null,null,null,null,null,null,null,null,null,null,11000001,15000000,21000,null,null,null,null,null,null,null,null,null,"Tope de aportación patronal",null,25]
[null,null,"- Este documento NO implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank.",null,null,null,null,null,null,null,null,null,null,null,null,15000001,20000000,26000,null,null,null,null,null,"Contratación de Seguros",null,null,null,"Aportación patronal",null,{"$f":"+AD78*AD79","v":2593.5}]
[null,null,{"$f":"IF(T41=1,\"\",\"-  Apartir del mes  número 61 y en caso de que el cliente no se reúna con el Banco para revisar y negociar la nueva Tasa de interés que rejirá el crédito, la Tasa de Interés aplicable será de\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,20000001,25000000,27500,null,"Comisión por aut difer =",250,null,null,"SI ",2,null,null,"Aportación Patronal 5%",null,{"$f":"+AD80*0.05","v":129.67500000000001}]
[null,null,{"$f":"IF(T41=1,\"\",\"    T.I.I.E. más 4.5 puntos porcentuales, por lo que los valores que se muestran se ajustarán durante la vigencia del crédito en función de la Tasa de Interés variable señalada.\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,25000001,30000000,30000,null,"Comisión por Apertura =",0,null,null,"NO",null,null,null,null,0.05]
[null,null,null,null,null,null,null,null,null,null,"v2024.01",null,null,null,null,30000001,30000000,30000,null,"Comisión por Prepago =",0.03,null,null,null,null,null,null,"No. de días del bimestre (promedio 60 días)",null,60.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(AND($Z$46=1,$C$23<=$Q$82),VLOOKUP($C$23,$P$71:$R$83,3),IF(AND($Z$46=2,G46<=$Q$82),VLOOKUP(G46,$P$71:$R$83,3),$R$83))","v":{"$error":"#N/A"}},null,"Avalúo",1E-3,null,null,"TopUp ",null,null,null,"Aportación Patronal bimestral",null,{"$f":"+AD81*AD83","v":7884.2400000000007}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOPUP",null,null,null,"Dictamen técnico",0.01,18000,null,"SI ",2,null,null,"Incremento anual promedio para las aportaciones = ",null,0.03]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mayor a","Hasta a","Importe",null,null,null,"Máximo",null,"NO"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.01,500000,1253,null,null,null,"Ya no hay minimo"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Q87+1","v":500001},1000000,1740]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Q88+1","v":1000001},2000000,2784]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2000001,3000000,4663]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3000001,4000000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4000001,5000000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000001,8000000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8000001,11000000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11000001,15000000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15000001,20000000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20000001,25000000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25000001,30000000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30000001,30000000,5000]
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["Scotiabank Inverlat, S.A., Institución de Banca Múltiple, Grupo Financiero Scotiabank Inverlat",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"-"]
["SIMULADOR CREDITO HIPOTECARIO"]
["FINANCIAMIENTO LIQUIDEZ LIBRE SCOTIABANK",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Comision por apertura",null,null,null,null,null,{"$f":"IF('Simulador 7x5'!$T$41=1,'Simulador 7x5'!G65,'Simulador 7x5'!#REF!)","v":0},null,1]
[{"$f":"IF('Simulador 7x5'!T41=1,\"7x5 - 5 AÑOS\",\"7x5 - 10 AÑOS\")","v":"7x5 - 5 AÑOS"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Piso",null,null,null,"Avalúo",null,null,null,null,null,{"$f":"IFERROR(IF('Simulador 7x5'!$T$41=1,'Simulador 7x5'!G67,'Simulador 7x5'!#REF!),0)","v":0},null,"Disminución de plazo"]
[null,"Observaciones",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Simulador 7x5'!AA59","v":0.14000000000000001},"TIIE",null,null,"Dictámen Técnico",null,null,null,null,null,{"$f":"IFERROR(IF('Simulador 7x5'!$T$41=1,'Simulador 7x5'!#REF!,'Simulador 7x5'!#REF!),0)","v":0},null,"Disminución de pago"]
[null,"- La comisión por prepagos causa IVA y en la corrida ya lo incluye",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Simulador 7x5'!C7","v":"2024-03-22"},null,null,null,null,null,{"$f":"'Simulador 7x5'!I27+'Simulador 7x5'!X72","v":4.4999999999999998E-2}]
[null,"- El escenario que se presenta en la tabla de amortización siempre es considerando que se paga de manera puntual.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,{"$f":"SUM(AM3:AM5)","v":0}]
[null,"- Esta cotización tiene carácter informativo. Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso."]
[null,"- Este documento NO implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AK12*12","v":0}]
[null,"- CAT =.",null,{"$f":"AK11","v":0},"\"Para fines informativos de comparación exclusivamente sin IVA\"",null,null,null,null,null,null,null,null,{"$f":"IF('Simulador 7x5'!T41=1,\"\",\"- Apartir del mes número 61 y en caso de que el cliente no se reúna con el Banco para revisar y negociar la nueva Tasa\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TIR"]
[null,{"$f":"IF('Simulador 7x5'!T41=1,\"\",\"   de interés que rejirá el crédito, la Tasa de Interés aplicable será de  T.I.I.E. más 4.5 puntos porcentuales, por lo que los\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"((1+AK12)^12)-1","v":0}]
[null,{"$f":"IF('Simulador 7x5'!T41=1,\"\",\"   valores que se muestran se ajustarán durante la vigencia del crédito en función de la Tasa de Interés variable señalada.\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IRR(AB16:AB136,0),0)","v":0},{"$f":"AB12*12","v":0},{"$f":"((1+AB12)^12)-1","v":0},null,null,null,null,null,null,{"$f":"IFERROR(IRR(AK13:AK136,0),0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,"El crédito se liquida",null,null,{"$f":"AQ16","v":0},"Años",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AM7-AD17","v":0}]
[null,"- En caso de anticipos a capital escoja la opción:",null,null,null,null,null,null,null,null,"por pago puntual en:",null,null,{"$f":"AR16","v":0},"Meses"]
[]
["Período","Saldo Inicial",null,"Erogación",null,"Interés",null,"Amortización",null,"Prepagos a capital",null,"Comisión por prepagos",null,"Tasa aplicada",null,"Saldo Final",null,"Seguro de vida y desempleo",null,"Seguro de daños",null,"IVA Intereses",null,"Pago Mensual",null,"Inc. Pago",null,{"$f":"AM7-H9","v":0},"Tasa Aplic.","Saldo Inicial","Erogación","Interés","Amortización","Saldo Final","Seguros","IVA Intereses","Pago Mensual","factor de pago",null,"años","meses",{"$f":"SUM(AP17:AP136)","v":1},{"$f":"SUM(AQ17:AQ136)","v":0},{"$f":"SUM(AR17:AR136)","v":0},null,"Plazo","Fecha","Dias",null,"Año actual","Mes actual","Día actual","Dia/corte","sumar"]
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[]
["Carátula de Crédito "]
[null,null,null,"Nombre del Acreditado y/o Coacreditado:"]
[null,null,null,{"$f":"IF('Simulador 7x5'!C13=\"\",\"\",'Simulador 7x5'!C13)","v":""}]
[null,null,null,"Número de Crédito:"]
[]
["Nombre comercial del producto: ",{"$f":"\"LIQUIDEZ LIBRE 7x5\"&\" \"&A18","v":"LIQUIDEZ LIBRE 7x5 5 años"}]
[]
["Tipo de Crédito: Crédito Hipotecario "]
["CAT","TASA DE INTERES","MONTO O LINEA DE","MONTO TOTAL A PAGAR O"]
["(Costo Anual Total)","ANUAL ORDINARIA","CRÉDITO","MINIMO A PAGAR"]
[{"$f":"'Tabla 7x5'!$D$10","v":0},{"$f":"'Simulador 7x5'!Y77","v":0.17},{"$f":"'Simulador 7x5'!$Y$78","v":0},{"$f":"IFERROR(SUM('Tabla 7x5'!$X$17:$X$136),0)","v":0}]
["Sin IVA","Tasa Fija",null,"Moneda en"]
["Para fines",null,null,"Pesos"]
["informativos y de",null,null,"Mexicanos "]
["comparación"]
["PLAZO DEL CRÉDITO:","Fecha Límite de pago: \nSi tu fecha de corte es el día 3, tu fecha de pago es el día 3 de cada mes. \nSi tu fecha de corte es el día 17, tu fecha de pago es el día 17 de cada mes. "]
[{"$f":"'Simulador 7x5'!$Y$76","v":"5 años"},"Fecha de corte: \nSi tu fecha de disposición es entre el dia 3 y 16, tu fecha de corte será el día 3 de cada mes. \nSi tu fecha de disposición es entre el día 17 y 2, tu fecha de corte será el día 17 de cada mes."]
["COMISIONES RELEVANTES"]
[{"$f":"\"Apertura: \"&TEXT('Tabla 7x5'!$AM$3,\"$###,###.00\")&\" más IVA\"","v":"Apertura: $.00 más IVA"},null,"Cobranza: $500.00 más IVA por pago tardío "]
["Prepago: 0%  más IVA sobre el monto anticipado",null,"Para otras comisiones consulte la cláusula décima tercera"]
["ADVERTENCIAS"]
[]
["Incumplir tus obligaciones te puede generar comisiones e intereses moratorios. "]
["Contratar créditos que excedan de tu capacidad de pago afecta tu historial crediticio. "]
["El avalista, obligado solidario o coacreditado responderá como obligado principal por el total del pago frente a la Institución Financiera. "]
["Al ser tu crédito de tasa variable, los intereses pueden aumentar."]
["SEGUROS"]
["Seguros Obligatorios:","Aseguradora:","Cláusulas:"]
[]
["Vida y Desempleo","Cardif México Seguros de Vida,          S.A. de C.V.","Vigésima Cuarta"]
[null,null,"Scotiabank Inverlat le ofrece al acreditado y/o coacreditado, la posibilidad de contratar a nombre de este (os) último(s) los seguros establecidos en la cláusula vigésima cuarta. Lo anterior sin perjuicio del derecho innegable que el cliente tiene de contratarlos a través de terceros."]
["Daños y Responsabilidad Civil","Cardif México Seguros Generales, S.A. de C.V."]
[]
["ESTADO DE CUENTA"]
["Envío a Domicilio ü              Consulta vía Internet ___            Envío por Correo Electrónico ___"]
["Aclaraciones y reclamaciones:"]
["Unidad Especializada de Aclaraciones:"]
["Domicilio: Río Usumacinta S/N, esq. con Fernando Montes de Oca, Col. La Presita, Municipio de Cuautitlán Izcalli, Estado de México, C.P. 54763"]
["Teléfono: (55) 5123 0990"]
["Correo electrónico: une@scotiabank.com.mx"]
["Página de Internet: www.scotiabank.com.mx "]
[{"$f":"\"Registro de Contratos de Adhesión Núm:  \"&IF('Simulador 7x5'!C23=\"\",\"\",IFERROR(VLOOKUP('Simulador 7x5'!$AD$45&\"-1-1\",RECAS!$A$3:$D$4,4,0),\"Revisa los datos ingresados\"))","v":"Registro de Contratos de Adhesión Núm:  "}]
["Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (CONDUSEF):"]
["Teléfono: 800 999 8080 y (55) 5340 0999. Página de Internet. www.condusef.gob.mx "]

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[null,"RELACIÓN RECAS"]
["Clave","No.","Nombre","RECA","Fecha de expedición","Tipo Crédito","Esquema","Mancomunado"]
[{"$f":"F3&\"-\"&G3&\"-\"&H3","v":"1-1-1"},40,"Crediliquidez Libre Hipoteca 7X5","0319-138-027733/14-00092-0124","2024-01-15",1,1,1]