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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CALCULO DE LA PORCION A CON BASE EN EL SSV REMANENTE",null,null,null,null,null,null,null,null,null,null,null,"CALCULO CRÉDITO COFINAVIT"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SSV INFONAVIT",null,null,null,null,null,null,null,null,null,null,null,"Valor del inmueble",{"$f":"O24","v":0},null,null,{"$f":"IF(OR(U39=4,U39=5),\"NO\",\"\")","v":""}]
[null,null,"FINANCIAMIENTO RESIDENCIAL SCOTIABANK ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Uso de la SSV",null,null,"Proyección de Anualidades Garantizadas"]
[null,null,"7x5",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SSV Total",null,null,"Tasa SSV Proyectar",0.05,null,null,null,null,null,null,null,"Gastos relacionados",{"$f":"O34","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SSV al frente",null,null,"Año",1,2,3,4,5]
[null,null,{"$f":"TODAY()","v":"2024-03-22"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SSV Remanente",{"$f":"D37+D44","v":{"$error":"#VALUE!"}},null,"Saldo Inicial",{"$f":"$T$8","v":{"$error":"#VALUE!"}},{"$f":"W12","v":{"$error":"#VALUE!"}},{"$f":"X12","v":{"$error":"#VALUE!"}},{"$f":"Y12","v":{"$error":"#VALUE!"}},{"$f":"Z12","v":{"$error":"#VALUE!"}},null,null,null,"Valor del inmueble al 75%",{"$f":"AF4*AF17","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tasa Efectiva",{"$f":"W6","v":0.05},{"$f":"W9","v":0.05},{"$f":"X9","v":0.05},{"$f":"Y9","v":0.05},{"$f":"Z9","v":0.05}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Intereses",{"$f":"W8*$W$6","v":{"$error":"#VALUE!"}},{"$f":"X8*$W$6","v":{"$error":"#VALUE!"}},{"$f":"Y8*$W$6","v":{"$error":"#VALUE!"}},{"$f":"Z8*$W$6","v":{"$error":"#VALUE!"}},{"$f":"AA8*$W$6","v":{"$error":"#VALUE!"}}]
[null,null,"Nombre del Ejecutivo Especializado",null,null,null,"Sucursal",null,null,null,"Nombre del Cliente",null,null,null,null,null,null,null,null,null,null,"Anualidad Garantizada",{"$f":"(W8+W10)/5","v":{"$error":"#VALUE!"}},{"$f":"(X8+X10)/4","v":{"$error":"#VALUE!"}},{"$f":"(Y8+Y10)/3","v":{"$error":"#VALUE!"}},{"$f":"(Z8+Z10)/2","v":{"$error":"#VALUE!"}},{"$f":"(AA8+AA10)/1","v":{"$error":"#VALUE!"}},null,null,null,"Crédito Infonavit Neto",{"$f":"IFERROR((D38+D45),0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Saldo Final",{"$f":"W8+W10-W11","v":{"$error":"#VALUE!"}},{"$f":"X8+X10-X11","v":{"$error":"#VALUE!"}},{"$f":"Y8+Y10-Y11","v":{"$error":"#VALUE!"}},{"$f":"Z8+Z10-Z11","v":{"$error":"#VALUE!"}},{"$f":"AA8+AA10-AA11","v":{"$error":"#VALUE!"}},null,null,null,"SSV al frente",{"$f":"D36+D43","v":0}]
[null,null,"Teléfonos",null,null,null,null,null,null,null,"Teléfonos",null,null,null,null,null,null,null,null,null,null,"Calculo del Valor Presente de las Anualidades Garantizadas",null,null,null,null,null,null,null,null,"Cred. Total Infonavit",{"$f":"+AF11+AF12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Factor de Descuento",{"$f":"1/(1+$T$20)^1","v":0.90702947845804982},{"$f":"1/(1+$T$20)^2","v":0.82270247479188197},{"$f":"1/(1+$T$20)^3","v":0.74621539663662761},{"$f":"1/(1+$T$20)^4","v":0.67683936202868722},{"$f":"1/(1+$T$20)^5","v":0.61391325354075932}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valor Presente de la Anualidad",{"$f":"W11*W14","v":{"$error":"#VALUE!"}},{"$f":"X11*X14","v":{"$error":"#VALUE!"}},{"$f":"Y11*Y14","v":{"$error":"#VALUE!"}},{"$f":"Z11*Z14","v":{"$error":"#VALUE!"}},{"$f":"AA11*AA14","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",{"$f":"SUM(W15:AA15)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,"%Cred Infonavit",{"$f":"IFERROR((AF11+AF12)/AF4,0)","v":0}]
[null,null,"Escoja la opción de su interés:",null,null,null,"Detalle",null,null,null,null,null,null,null,null,null,null,null,"SCOTIABANK",null,null,null,null,null,null,null,null,null,null,null,"%CB",{"$f":"X35","v":0.75}]
[null,null,null,null,null,null,"Programa",null,{"$f":"VLOOKUP($U$39,$S$33:$T$38,2,0)","v":"Adquisición Tradicional"},null,null,null,null,null,null,null,null,null,"Crédito SBI Porción A",null,null,"Proyección del Pago de la Porción A del Crédito SBI",null,null,null,null,null,null,null,null,"Cred. Banco aforo máximo",{"$f":"AF17*AF4","v":0}]
[null,null,"Como desea hacer su cálculo",null,null,null,"Producto",{"$f":"IFERROR(VLOOKUP(U62,S63:T66,2,0),\"\")","v":0},null,null,null,{"$f":"IF(U39=6,\"% de financiamiento CI+CB\",\"% de financiamiento\")","v":"% de financiamiento"},null,null,null,null,null,null,null,null,null,"Tasa Interés Porción A",{"$f":"T20","v":0.10249999999999999},null,null,null,null,null,null,null,"%ajustes",{"$f":"IF(AF17+AF16>100%,AF17+AF16-100%,0%)","v":0}]
[null,null,null,null,null,null,"Plazo",{"$f":"IFERROR(VLOOKUP(U62,S63:U66,3,0),\"\")","v":"20 años"},null,null,null,null,{"$f":"+IF(O24=0,0,IF(U39=6,AG26,IF(O25=\"\",I25/O24,O25/O24)))","v":0},{"$f":"IF(M20>65%,\"Aplica solo para IR 1 y 2\",\"\")","v":""},null,null,null,null,"Tasa Descuento",0.10249999999999999,null,"Año",1,2,3,4,5,null,null,null,"Cred. Banco Ajustado",{"$f":"AF18-(AF19*AF4)","v":0}]
[null,null,{"$f":"IF(Y41=1,\"Valor de la vivienda\",IF(Y41=2,\"Ingresos Mensuales\",\"Monto de Crédito\"))","v":"Valor de la vivienda"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VP Anualidades",{"$f":"NPV(T20,W11:AA11)","v":{"$error":"#VALUE!"}},null,"Saldo Inicial",{"$f":"T21","v":{"$error":"#VALUE!"}},{"$f":"W26","v":{"$error":"#VALUE!"}},{"$f":"X26","v":{"$error":"#VALUE!"}},{"$f":"Y26","v":{"$error":"#VALUE!"}},{"$f":"Z26","v":{"$error":"#VALUE!"}}]
[null,null,"Valor Destructible",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tasa Efectiva",{"$f":"W19","v":0.10249999999999999},{"$f":"W22","v":0.10249999999999999},{"$f":"X22","v":0.10249999999999999},{"$f":"Y22","v":0.10249999999999999},{"$f":"Z22","v":0.10249999999999999}]
[null,null,{"$f":"IF(D21=0,\"\",IF(AND($Y$41=1,D21<$AB$39),AD41,IF(D21<$Y$39,AD42,\"\")))","v":""},null,null,null,null,"Recursos",null,null,null,"Gastos de Originación",null,null,null,null,null,null,null,{"$f":"IF(T8=0,0,T21/T8)","v":{"$error":"#VALUE!"}},null,"Anualidad",{"$f":"W11","v":{"$error":"#VALUE!"}},{"$f":"X11","v":{"$error":"#VALUE!"}},{"$f":"Y11","v":{"$error":"#VALUE!"}},{"$f":"Z11","v":{"$error":"#VALUE!"}},{"$f":"AA11","v":{"$error":"#VALUE!"}},null,null,null,"CALCULO CRÉDITO CI+CB"]
[null,null,{"$f":"IF(OR(U39=2,U39=5),\"Sueldo cotización (Apoyo Infonavit)\",\"\")","v":""},null,null,null,"Crédito Máximo posible",null,{"$f":"AD39","v":0},null,"Valor de vivienda",null,null,null,{"$f":"AA88","v":0},null,null,null,null,"Relación VP vs SSV",null,"Intereses",{"$f":"W21*W22","v":{"$error":"#VALUE!"}},{"$f":"X21*X22","v":{"$error":"#VALUE!"}},{"$f":"Y21*Y22","v":{"$error":"#VALUE!"}},{"$f":"Z21*Z22","v":{"$error":"#VALUE!"}},{"$f":"AA21*AA22","v":{"$error":"#VALUE!"}},null,null,null,"Monto Maximo Autorizado",{"$f":"+AF4*$X$38","v":0}]
[null,null,"Que plazo desea",null,null,null,"Crédito solicitado",null,{"$f":"I24","v":0},null,{"$f":"IF(OR(I28=\"NO\",I29=0),\"\",IF(AND(I28=\"SI\",OR(U39=4,U39=5)),\"Monto Máximo Pago de Pasivo + Gastos Financiados\",\"\"))","v":""},null,null,null,{"$f":"IFERROR(IF(I29>0,I25+I29,\"\"),\"\")","v":""},null,null,null,null,null,null,"Amortización",{"$f":"W21-W26","v":{"$error":"#VALUE!"}},{"$f":"X21-X26","v":{"$error":"#VALUE!"}},{"$f":"Y21-Y26","v":{"$error":"#VALUE!"}},{"$f":"Z21-Z26","v":{"$error":"#VALUE!"}},{"$f":"AA21-AA26","v":{"$error":"#VALUE!"}},null,null,null,"SSV (-)",{"$f":"D36+D39","v":0}]
[null,null,{"$f":"IF(U62>=2,\"Ingrese la TIIE si está en periodo de revisión:\",\"\")","v":"Ingrese la TIIE si está en periodo de revisión:"},null,null,null,{"$f":"IF(I25=0,\"\",IF(I25>I24,$AD$43,IF(I25<Z39,\"Crédito debajo del mínimo\",\"\")))","v":""},null,{"$f":"IF(I25=0,\"\",IF($I$25<$Z$39,$Z$39,\"\"))","v":""},null,{"$f":"IF(U40=1,\"Infonavit gastos de originación\",\"\")","v":""},null,null,{"$f":"IF(U40=1,3%,\"\")","v":""},{"$f":"IF(U40=1,I31*$AG$61,\"\")","v":""},null,null,null,null,null,null,"Saldo Final",{"$f":"W21+W24-W23","v":{"$error":"#VALUE!"}},{"$f":"X21+X24-X23","v":{"$error":"#VALUE!"}},{"$f":"Y21+Y24-Y23","v":{"$error":"#VALUE!"}},{"$f":"Z21+Z24-Z23","v":{"$error":"#VALUE!"}},{"$f":"AA21+AA24-AA23","v":{"$error":"#VALUE!"}},null,null,null,"Monto de Crédito otorgado",{"$f":"IF(AF4>(AF24+AF25),AF24,AF4-AF25)","v":0},{"$f":"+AF26/AF4","v":{"$error":"#DIV/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,null,null,null,null,null,null,"Crédito Infonavit",{"$f":"MIN(AF29,AF26*30%)","v":0},"<- el Infonavit otorga el 30%"]
[null,null,null,null,null,null,{"$f":"+IF(OR(U39=4,U39=5),\"Gastos Notariales Financiados\",\"\")","v":""},null,"SI",null,{"$f":"IF(U40=1,\"Infonavit impuestos y derechos\",\"Impuestos y derechos\")","v":"Impuestos y derechos"},null,null,{"$f":"IFERROR(IF(M28=\"\",O28/O$24,\"\"),0)","v":0},{"$f":"IFERROR(IF(AND(OR(U40=1),L48>0),L48-O26,IF(M28=\"\",O24*$AG$62,O24*M28)),0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Crédito Banco",{"$f":"+AF26-AF27","v":0}]
[null,null,null,null,null,null,{"$f":"+IF(OR(U39=4,U39=5),\"Monto Máximo Financiado\",\"\")","v":""},null,{"$f":"+IF(AND(U39<>4,U39<>5),\"\",IF(I28=\"NO\",0,IF(G26<>\"\",0,IF(AND(,Y41=1,O24*X39=I25),0,IF(AND(Y41=1,I25*6%+I25>I24),I24-I25,I25*6%)))))","v":""},null,"Honorarios notariales",null,null,{"$f":"IFERROR(IF(M29=\"\",O29/O$24,\"\"),0)","v":0},{"$f":"IFERROR(IF(M29=\"\",O24*$AG$63,O24*M29),0)","v":0},null,null,null,null,"Contratación de Seguros",null,null,null,null,null,null,null,null,null,null,"*** Monto máximo Infonavit",885445.6]
[null,null,"Tasa de interés acorde al plazo",{"$f":"+V67","v":0},null,null,{"$f":"IF(U40=1,\"Subcuenta vivienda\",\"\")","v":""},null,{"$f":"IF(U39=3,D36+D43,IF(U39=6,D36+D39,\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,"SI ",2]
[null,null,"Tipo de comisión",null,null,null,{"$f":"IF(U40=1,\"Crédito Infonavit\",\"\")","v":""},null,{"$f":"IF(U39=3,D38+D45,IF(U39=6,D44,\"\"))","v":""},null,null,"Costo Avalúo",{"$f":"IF(O24>$T$113,\"'Favor de Cotizar'. Val. apróx.\",\"\")","v":""},null,{"$f":"IFERROR(IF(OR(U39=4,U39=5),0,VLOOKUP(O24,$S$93:$U$114,3)),0)","v":0},null,null,null,null,"NO"]
[null,null,null,null,null,null,{"$f":"IF(AND(Y41=3,I25<>I24),\"El crédito solicitado debe ser igual al máximo\",\"\")","v":""},null,null,null,null,"Comisión por apertura",null,null,{"$f":"IFERROR(IF(OR($U$62=1,T41=2),0,I25*V39),0)","v":0},null,null,null,null,"Tipo de Crédito",null,"Com Apert","Coms. prepago","LTV","Ingresos min.","Monto min.","Monto max","Valor min. viv.","PTI","Crédito máximo disponible"]
[null,null,"El cliente opta por seguros externos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Adquisición Tradicional",null,1.2500000000000001E-2,0,0.75,10000,250000,5000000,400000,0.45,{"$f":"IF(OR($Y$41=1,$Y$41=3),W84,W85)","v":0},"CREDIRESIDENCIAL"]
[null,null,"Comisión Manual por Apertura",null,null,null,{"$f":"IF($U$40=1,\"Recursos Totales:\",\"Crédito Banco\")","v":"Crédito Banco"},null,{"$f":"IF(I25>I24,\"Crédito solicitado fuera de rango\",IF(OR(U39=3,U39=6),I25+I30+I31,I25))","v":0},null,null,"Gastos de originación",null,null,{"$f":"IFERROR(SUM(O27:O32)-I29,SUM(O27:O32))","v":0},null,null,null,2,"Adquisición con Apoyo Infonavit",null,7.4999999999999997E-3,0,0.75,7500,250000,5000000,400000,0.45,{"$f":"IF(OR($Y$41=1,$Y$41=3),W84,W85)","v":0},"CREDIRESIDENCIAL"]
[null,null,{"$f":"IF(U39=3,\"Cofinanciamientos (datos del titular)\",IF(U39=6,\"Cofinanciamientos CI+CB\",\"\"))","v":""},null,null,null,{"$f":"IF($U$40=1,\"Crédito SB + Crédito Infonavit + SSV al frente\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,3,"Cofinavit",null,7.4999999999999997E-3,0,0.75,7500,120000,5000000,300000,0.45,{"$f":"AF20","v":0},"CREDIRESIDENCIAL"]
[null,null,{"$f":"IF(U39=3,\"Subcuenta de vivienda\",IF(U39=6,\"Subcuenta de vivienda acreditado\",\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,"Pasivo Hipotecario",null,1.4999999999999999E-2,0,0.75,10000,125000,5000000,0,0.45,{"$f":"IF(OR($Y$41=1,$Y$41=3),W84,W85)","v":0},"CREDIRESIDENCIAL"]
[null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF($U$39=6,\"\",IF(OR(U39=4,U39=5),\"Desembolso\",IF(I34-O24>0,\"Monto Remanente\",\"Enganche para la compra\"))),0)","v":"Enganche para la compra"},null,null,{"$f":"IFERROR(IF(OR(U39=4,U39=5),0,$O$24-$I$34),0)","v":0},{"$f":"IF(L37<0,\"negativo significa remanente para el cliente\",\"\")","v":""},null,null,null,null,null,5,"Pasivo Hipotecario con Apoyo Infonavit",null,1.4999999999999999E-2,0,0.75,10000,125000,5000000,0,0.45,{"$f":"IF(OR($Y$41=1,$Y$41=3),W84,W85)","v":0},"CREDIRESIDENCIAL"]
[null,null,{"$f":"IF(U39=3,\"Crédito a otorgar (sin ecotecnologías)\",\"\")","v":""},null,null,null,null,null,"Gastos de originación",null,null,{"$f":"O34","v":0},null,null,null,null,null,null,6,"CI+CB Cofinavit",null,1.2500000000000001E-2,0,0.75,10000,120000,5000000,300000,0.45,{"$f":"AF28","v":0},"CREDIRESIDENCIAL"]
[null,null,{"$f":"IF(U39=6,\"Subcuenta de vivienda conyuge\",\"\")","v":""},null,null,null,null,null,"Inversión cliente",null,null,{"$f":"IF($U$39=6,L38,L37+L38)","v":0},null,null,null,null,null,null,null,"Selección",1,{"$f":"IFERROR(IF($D$34<>\"\",$D$34,VLOOKUP($U39,$S$33:$AC$38,4,0)),0)","v":1.2500000000000001E-2},{"$f":"VLOOKUP($U39,$S$33:$AC$38,5,0)","v":0},{"$f":"VLOOKUP($U39,$S$33:$AB$38,6,0)","v":0.75},{"$f":"VLOOKUP($U39,$S$33:$AB$38,7,0)","v":10000},{"$f":"VLOOKUP($U39,$S$33:$AB$38,8,0)","v":250000},{"$f":"VLOOKUP($U39,$S$33:$AB$38,9,0)","v":5000000},{"$f":"VLOOKUP($U39,$S$33:$AB$38,10,0)","v":400000},{"$f":"VLOOKUP($U39,$S$33:$AC$38,11,0)","v":0.45},{"$f":"VLOOKUP($U39,$S$33:$AD$38,12,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(U39=3,U39=6),1,0)","v":0},null,null,null,1]
[null,null,null,null,null,null,"CAT",null,{"$f":"X63","v":0},null,null,null,null,null,null,null,null,null,"COMISION",1,"IVA",null,"CALCULO",null,1,null,null,null,null,"Valor de vivienda debajo del mínimo"]
[null,null,{"$f":"IF(U39=3,\"Cofinanciamientos (datos del conyuge, si aplica))\",IF(U39=6,\"Crédito otorgado por el Infonavit CI+CB\",\"\"))","v":""},null,null,null,"Mensualidad",null,{"$f":"Y63","v":0},null,null,null,null,"Parámetros de crédito",null,null,null,null,"Apertura",null,null,null,"Por Valor del Inmueble",null,null,"Seguros",null,null,"Incremento Anual","Ingresos menores al mínimo"]
[null,null,{"$f":"IF(U39=3,\"Subcuenta de vivienda\",\"\")","v":""},null,null,null,"Tasa",null,{"$f":"+V67","v":0},null,null,null,null,"Crédito minimo",{"$f":"$Z$39","v":250000},null,null,null,"Premium/Bca Privada",null,1.1599999999999999E-2,null,"Por Ingresos",null,null,"Vida",5.9999999999999995E-4,{"$f":"AA43","v":5.9999999999999995E-4},0,"Crédito fuera de rango"]
[null,null,{"$f":"IF(U39=6,\"Monto del Crédito*\",\"\")","v":""},{"$f":"IF(U39=6,AF27,\"\")","v":""},null,null,"Pago al millar $",null,{"$f":"+W67","v":0},null,null,null,null,"Valor mínimo inmueble",{"$f":"$AB$39","v":400000},null,null,null,null,null,null,null,"Por Importe de Crédito",null,null,"Daños",3.1E-4,{"$f":"AA44","v":3.1E-4}]
[null,null,{"$f":"IF(U39=3,\"Crédito a otorgar (sin ecotecnologías)\",\"\")","v":""},null,null,null,"Ingreso mínimo",null,{"$f":"VLOOKUP(U62,S63:Z66,8,0)","v":10000},null,null,null,null,"Enganche mínimo",{"$f":"1-$X$39","v":0.25}]
[null,null,{"$f":"IF(U39=6,\"* El monto del crédito aplica para el acreditado y conyuge, en su caso.\",\"\")","v":""},null,null,null,"Incremento anual",null,{"$f":"IF(I25=0,0,IFERROR(AC43,0))","v":0}]
[]
[]
[]
[null,null,"Observaciones:"]
[null,null,{"$f":"IFERROR(\"- Los impuestos y derechos están calculados al \"&TEXT(($O$28/$O$24),\"#,##0.00%\")&\" del valor del inmueble, pueden cambiar dependiendo de la entidad federativa.\",\"\")","v":""}]
[null,null,{"$f":"IFERROR(\"- Los honorarios notariales en los créditos en cofinanciamiento están calculados al \"&TEXT(($O$29/$O$24),\"#,##0.00%\")&\" del valor del inmueble, pueden variar dependiendo de la entidad federativa.\",\"\")","v":""}]
[null,null,"-  El crédito solicitado dependerá de la capacidad de pago de cada cliente"]
[null,null,"-  Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa en función de las características específicas "]
[null,null,"    del solicitante y del inmueble objeto de la operación."]
[null,null,"-  En caso de que aplique, la comisión por pagos anticipados causa I.V.A."]
[null,null,"- Este documento NO implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank."]
[null,null,{"$f":"IF($U$62=1,\"\",\"'- Apartir del mes  número 61 y en caso de que el cliente no se reúna con el Banco para revisar y negociar la nueva Tasa de interés que rejirá el crédito, la Tasa de Interés aplicable será de \"&\"T.I.I.E. más 4.5 puntos porcentuales, por lo que los valores que se muestran se ajustarán durante la vigencia del crédito en función de la Tasa de Interés variable señalada.\")","v":"'- Apartir del mes  número 61 y en caso de que el cliente no se reúna con el Banco para revisar y negociar la nueva Tasa de interés que rejirá el crédito, la Tasa de Interés aplicable será de T.I.I.E. más 4.5 puntos porcentuales, por lo que los valores que se muestran se ajustarán durante la vigencia del crédito en función de la Tasa de Interés variable señalada."},null,null,null,null,null,null,null,null,null,null,null,"v2024.01"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monto máximo CI+CB",885445.6]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Producto","Plazo","Tasas","Pgo x mil","CAT","Mensualidad","Créd. Máx","Cálculo de ingresos mínimpos por plazo",null,null,null,null,{"$f":"IF($U$39=3,\"Infonavit gastos de originación\",\"\")","v":""},0.03]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Plazo",null,4,1,null,"Informativo",null,null,"Valora","5 años","10 años",null,null,{"$f":"IF($U$39=3,\"Infonavit impuestos y derechos\",\"Impuestos y derechos\")","v":"Impuestos y derechos"},0.03]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"7x5","5 años",9.5000000000000001E-2,21.08,{"$f":"'Tabla de amortizacion'!B10","v":0},{"$f":"'Tabla de amortizacion'!Y15","v":0},{"$f":"IFERROR(MAX($Y$39,$I$25/1000*$W$63/$AC$39),0)","v":10000},"Por Crédito solicitado",{"$f":"IFERROR($I$25/1000*$W$63/$AC$39,0)","v":0},{"$f":"IFERROR($I$25/1000*$W$64/$AC$39,0)","v":0},null,null,"Honorarios notariales",0.02]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"7x5","10 años",0.1,13.3,null,null,{"$f":"IFERROR(MAX($Y$39,$I$25/1000*$W$64/$AC$39),0)","v":10000},"Por Ingresos",{"$f":"AB63","v":0},{"$f":"AC63","v":0},null,null,"CALCULO PARA EL IMPORTE MAXIMO DE APORTACION PATRONAL"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,null,"15 años",0.1075,11.32,null,null,{"$f":"IFERROR(MAX($Y$39,$I$25/1000*$W$65/$AC$39),0)","v":10000},null,null,null,null,null,"Salario diario nominal (UMA enero 2023)",null,103.74]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,null,"20 años",0.1075,10.27,null,null,{"$f":"IFERROR(MAX($Y$39,$I$25/1000*$W$66/$AC$39),0)","v":10000},null,{"$f":"MAX($Y$39,AB63)","v":10000},{"$f":"MAX($Y$39,IF($Y$41=1,AC63,AC64))","v":10000},null,null,"Tope de aportación patronal",null,25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(I25=0,0,VLOOKUP(U62,S63:V66,3,0))","v":0},{"$f":"IF(I25=0,0,VLOOKUP(U62,S63:V66,4,0))","v":0},{"$f":"IF(I25=0,0,VLOOKUP(U62,S63:W66,5,0))","v":0},null,null,null,"Pagos Oportunos","5 años","10 años",null,null,null,null,{"$f":"+AH65*AH66","v":2593.5}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Producto",2,null,null,null,null,null,null,"Por Crédito solicitado",{"$f":"IFERROR($I$25/1000*$AE$56/$AC$39,0)","v":0},{"$f":"IFERROR($I$25/1000*$AB$56/$AC$39,0)","v":0},null,null,"Aportación Patronal 5%",null,{"$f":"+AH67*AG69","v":129.67500000000001}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"7x5 5 años",null,null,null,null,null,null,"Por Ingresos",{"$f":"AB68","v":0},{"$f":"AC68","v":0},null,null,null,0.05]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"7x5 10 años",null,null,null,null,null,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,null,3,"7x5 15 años",null,null,null,null,null,null,null,{"$f":"MAX($Y$39,IF($Y$41=1,AB68,AB69))","v":10000},{"$f":"MAX($Y$39,IF($Y$41=1,AC68,AC69))","v":10000},null,null,"Aportación Patronal bimestral",null,{"$f":"+AH68*AH70","v":7884.2400000000007}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,"7x5 20 años",null,null,null,null,null,null,null,null,null,null,null,"Incremento Anual Apróximado",null,0.03]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Factor p/ TIIE"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4.4999999999999998E-2]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cred. max",null,"Erogación",null,"Valor de vivienda ",null,"Ingresos"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Por Valor Inmueble",{"$f":"IFERROR(IF($Y$41=3,D21,D21*X39),0)","v":0},null,{"$f":"W84/1000*VLOOKUP(U62,S63:Z66,5,0)","v":0},null,{"$f":"IFERROR(IF($Y$41=3,D21/X39,D21),0)","v":0},null,{"$f":"W84/1000*VLOOKUP(U62,S63:Z66,5,0)/$AC$39","v":0},{"$f":"$Y$39","v":10000},{"$f":"MAX(AC84:AD84)","v":10000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Por Ingresos",{"$f":"IFERROR(Y85/(VLOOKUP(U62,S63:Z66,5,0)/1000),0)","v":0},null,{"$f":"IFERROR(D21*AC39,0)","v":0},null,{"$f":"W85/$X$39","v":0},null,{"$f":"D21","v":0},{"$f":"$Y$39","v":10000},{"$f":"MAX(AC85:AD85)","v":10000}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cred. máximo",{"$f":"IF(OR($Y$41=1,$Y$41=3),W84,W85)","v":0},null,null,null,{"$f":"IF(OR($Y$41=1,$Y$41=3),AA84,AA85)","v":0},null,null,null,{"$f":"IF($Y$41=1,AE84,AE85)","v":10000}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AVALUO"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mayor a","Hasta a","Importe","Switch"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.01,500000,1900,1253]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,500001,1000000,3300,1740]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000001,1500000,4500,2784]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1500001,2000000,5750,2784]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2000001,2500000,7000,4663]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2500001,3000000,8200,4663]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3000001,4000000,11000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4000001,5000000,13900,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000001,6000000,15500,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6000001,7000000,19000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7000001,8000000,20000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8000001,9000000,20100,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9000001,10000000,22500,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10000001,11000000,27000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11000001,12000000,28000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12000001,13000000,30000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13000001,14000000,32000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14000001,15000000,34000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15000001,20000000,37000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20000001,25000000,39000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25000001,30000000,40000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30000001,30000000,40000,5000]

{"sheet":"Tabla de amortizacion","index":1,"n_rows":256,"n_cols":56,"rows_kept":256,"cut":false,"hidden":false,"merged":[[2,0,2,27],[3,0,3,27],[0,0,0,27],[1,0,1,27],[4,11,4,13]]}
["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,"-"]
["FINANCIAMIENTO RESIDENCIAL SCOTIABANK"]
["TABLA DE AMORTIZACION",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,2]
["7x5",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,{"$f":"IF(Simulador!U62=1,\"Disminución de plazo\",\"\")","v":""}]
["Observaciones",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Simulador!U62=1,\"Disminución de pago\",\"\")","v":""}]
["- En caso de que aplique la comisión por prepagos causa IVA y en la corrida ya lo incluye"]
["- El escenario de la tabla de amortización es considerando que siempre se paga el crédito 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,"Comisión por apertura",null,null,{"$f":"IFERROR(Simulador!O32*1,0)","v":0}]
["- Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Avalúo",null,null,{"$f":"IFERROR(Simulador!O31*1,0)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"AQ12*12","v":0}]
["- Este documento NO implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,{"$f":"+AG8+AG7","v":0},null,{"$f":"AI13*12","v":0},null,null,null,null,null,null,null,{"$f":"((1+AQ12)^12)-1","v":0}]
["- CAT =.",{"$f":"AQ9","v":0},"\"Para fines informativos de comparación exclusivamente sin IVA\"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"El crédito se liquida",null,null,null,{"$f":"AG14","v":0},"Años",null,null,null,null,null,null,null,null,{"$f":"((1+AI13)^12)-1","v":0},null,null,null,null,null,null,null,"Corrida para CAT"]
[{"$f":"IF(Simulador!$U$62=1,\"\",\"- Apartir del mes número 61 y en caso de que el cliente no se reúna con el Banco para revisar y negociar la nueva Tasa de interés que rejirá el crédito, la Tasa de Interés aplicable\")","v":"- Apartir del mes número 61 y en caso de que el cliente no se reúna con el Banco para revisar y negociar la nueva Tasa de interés que rejirá el crédito, la Tasa de Interés aplicable"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"por pago puntual en:",null,null,null,{"$f":"AH14","v":0},"Meses",null,null,null,null,null,null,"Techo",null,"Corrida para CAT",null,null,null,null,null,null,null,"TIR"]
[{"$f":"IF(Simulador!$U$62=1,\"\",\"  será de T.I.I.E. más 4.5 puntos porcentuales, por lo que los valores que se muestran se ajustarán durante la vigencia del crédito en función de la Tasa de Interés variable señalada.\")","v":"  será de T.I.I.E. más 4.5 puntos porcentuales, por lo que los valores que se muestran se ajustarán durante la vigencia del crédito en función de la Tasa de Interés variable señalada."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.15,null,"TIR",null,null,null,null,null,null,null,{"$f":"IFERROR(IRR(AQ13:AQ254,0),0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,".",null,null,null,null,{"$f":"Simulador!D26+Simulador!U75","v":4.4999999999999998E-2},null,{"$f":"IFERROR(IRR(AI14:AI254,0),0)","v":0},null,null,null,null,null,null,null,{"$f":"AG9-B15","v":0}]
["Período","Saldo Inicial",null,"Erogación",null,"Interés",null,"Amortización",null,"Prepagos a capital",null,"Comisión por prepagos",null,"Aportación Bimestral (Apoyo Inf)",null,"Tasa aplicada",null,"Saldo Final",null,"Seguro de vida y desempleo",null,"Seguro de daños",null,null,"Pago Mensual",null,"Inc. Pago",null,"Modificación tasa TIIE","años","meses",{"$f":"SUM(AF15:AF254)","v":1},{"$f":"SUM(AG15:AG254)","v":0},{"$f":"SUM(AH15:AH254)","v":0},{"$f":"AG9-B15","v":0},"factor de pago Valora","Saldo Inicial","Erogación","Interés","Amortización","Saldo Final","Seguros","Pago Mensual","Tasa aplicada","Plazo","Fecha Corte/ Emisión Recibo 1","Dias",null,"Año actual","Mes actual","Día actual","Dia/corte","sumar"]
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[240,0,null,{"$f":"IF(B254+F254-D253<=0,B254+F254,IF(AND(OR(Simulador!$U$39=2,Simulador!$U$39=7),J253=0),IFERROR((((P254/360*AU254)/(1-(1+(P254/360*AU254))^-AS254))*B254)*(1+AA254),0),IF($AF$3=2,B254*AJ254,IFERROR((((P254/360*AU254)/(1-(1+(P254/360*AU254))^-AS254))*B254)*(1+AA254),0))))","v":0},null,0,null,0,null,null,null,{"$f":"IF(Simulador!$T$41=1,0,J254*Simulador!$W$39*1.16)","v":0},null,0,null,0,null,0,null,{"$f":"IFERROR(IF(Simulador!$U$30=1,0,IF($B254<=0,0,$B254*Simulador!$AA$43)),0)","v":0},null,{"$f":"IFERROR(IF(Simulador!$U$30=1,0,IF($B254<=0,0,IF(Simulador!$D$22>0,Simulador!$D$22,Simulador!$O$24)*Simulador!$AA$44)),0)","v":0},null,null,0,null,null,null,null,20,0,0,{"$f":"IF(AF254>0,AD254,0)","v":0},0,0,0,0,0,0,0,0,{"$f":"IFERROR(IF(Simulador!$U$30=1,0,IF($AK254<=0.01,0,$AK254*Simulador!$AA$43)),0)+IFERROR(IF(Simulador!$U$30=1,0,IF($AK254<=0.01,0,IF(Simulador!$D$22>0,Simulador!$D$22,Simulador!$O$24)*Simulador!$AA$44)),0)","v":0},0,0,0,"",0,120]
[null,null,null,"Erogación \n(a+b)",null,"Interés \n(a)",null,"Amortización (b)",null,"Prepagos a capital (c)",null,null,null,null,null,null,null,null,null,"Seguro de \nvida y desempleo (d)",null,"Seguro de daños \n(e)",null,null,"Pago Mensual (a+b+c+d+e)"]
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[]
["Carátula de Crédito "]
[null,null,null,"Nombre del Acreditado y/o Coacreditado:"]
[null,null,null,{"$f":"IF(Simulador!M11=\"\",\"\",Simulador!M11)","v":""}]
[null,null,null,"Número de Crédito:"]
[]
["Nombre comercial del producto: ",{"$f":"INDEX(Simulador!AE33:AE38,Simulador!U39)&\" 7x5 \"&\" \"&A18","v":"CREDIRESIDENCIAL 7x5  20 años"}]
[]
["Tipo de Crédito: Crédito Hipotecario "]
["CAT","TASA DE INTERES","MONTO O LINEA DE","MONTO TOTAL A PAGAR O"]
["(Costo Anual Total)","ANUAL ORDINARIA","CRÉDITO","MINIMO A PAGAR"]
[{"$f":"Simulador!I41","v":0},{"$f":"VLOOKUP(Simulador!U62,Simulador!$S$63:$V$66,4,0)","v":0.1075},{"$f":"IFERROR(IF(Simulador!O25=\"\",Simulador!I25,Simulador!O25),0)","v":0},{"$f":"IFERROR(SUM('Tabla de amortizacion'!Y15:Y254),0)","v":0}]
["Sin IVA","Tasa Fija",null,"Moneda en"]
["Para fines",null,null,"Pesos"]
["informativos y de",{"$f":"IF(Simulador!$U$62=1,\"\",IF(Simulador!$D$26=0,0,MIN(Simulador!$D$26+Simulador!U75,'Tabla de amortizacion'!AG12)))","v":0},null,"Mexicanos "]
["comparación",{"$f":"IF(Simulador!$U$62=1,\"\",\"TIIE + 4.5% (Tasa Variable)\")","v":"TIIE + 4.5% (Tasa Variable)"}]
["PLAZO DEL CRÉDITO:","Fecha Límite de pago: \nSi tu fecha de corte es el día 3, tu fecha de pago es el día 3 de cada mes. \nSi tu fecha de corte es el día 17, tu fecha de pago es el día 17 de cada mes. "]
[{"$f":"INDEX(Simulador!U63:U66,Simulador!U62)","v":"20 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"]
[{"$f":"\"Apertura: \"&TEXT(Simulador!O32,\"$###,###.00\")","v":"Apertura: $.00"},null,{"$f":"IF(RECAS!A1=\"6-3-2\",\"Cobranza: $350.00 más IVA por pago tardío \",\"Cobranza: $500.00 más IVA por pago tardío \")","v":"Cobranza: $500.00 más IVA por pago tardío "}]
[{"$f":"\"Prepago: \"&IF(Simulador!T41=1,\"0% \",\"3% \")&\"más IVA sobre el monto anticipado\"","v":"Prepago: 0% más IVA sobre el monto anticipado"},null,"Para otras comisiones consulte la cláusula décimo tercera"]
["ADVERTENCIAS"]
[]
["Incumplir tus obligaciones te puede generar comisiones e intereses moratorios. "]
["Contratar créditos que excedan 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 "]
[{"$f":"\"Registro de Contratos de Adhesión Núm:  \"&IFERROR(IF(Simulador!D21=\"\",\"\",VLOOKUP(RECAS!$A$1,RECAS!$A$3:$D$12,4,0)),\"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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[{"$f":"Simulador!$U$39&\"-3-\"&IF(OR(Simulador!$D$43>0,Simulador!$D$45>0),2,IF(AND(Simulador!U39=6,Simulador!D39>0),2,1))","v":"1-3-1"},"RELACIÓN RECAS"]
["Clave","No.","Nombre","RECA","Fecha de expedición","Tipo Crédito","Esquema","Mancomunado"]
[{"$f":"F3&\"-\"&G3&\"-\"&H3","v":"5-3-1"},31,"Pago de Pasivos Hipoteca 7x5 con Apoyo Infonavit","0319-138-024406/15-00083-0124","2024-01-15",5,3,1]
["2-3-1",32,"Adquisición Con Apoyo Hipoteca 7 x 5","0319-138-038241/02-00084-0124","2024-01-15",2,3,1]
["1-3-1",33,"Adquisición Hipoteca 7 x 5","0319-138-020519/15-00085-0124","2024-01-15",1,3,1]
["3-3-2",34,"Cofinavit Conyugales Hipoteca 7 x 5","0319-138-020524/16-00086-0124","2024-01-15",3,3,2]
["3-3-1",35,"Cofinavit Hipoteca 7 x 5","0319-138-020525/16-00087-0124","2024-01-15",3,3,1]
["4-3-1",36,"Pago de Pasivo Hipoteca 7 x 5","0319-138-038243/02-00088-0124","2024-01-15",4,3,1]
["6-3-1",48,"Cofinavit CI+CB 7x5","0319-138-035433/06-00100-0124","2024-01-15",6,3,1]
["6-3-2",49,"Cofinavit CI+CB Cofinavit Conyugal 7x5","0319-138-035434/06-00101-0124","2024-01-15",6,3,2]

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[null,null,"El Aforo estará alineado al producto que se desee adquirir vs Índice de Riesgo, acorde a lo siguiente:",null,null,null,null,null,null,null,null,null,"C) AFORO PARA CRÉDITOS QUE EXCEDAN EL MONTO A FINANCIAR POR POLÍTICA (APARTADO A.7):",null,null,null,null,null,"Plazo del crédito (años)",5,10,15,20]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tasa de interés inicial fija (*)",7.2999999999999995E-2,7.7499999999999999E-2,7.8E-2,7.85E-2]
[null,null,"IR","AFORO",null,null,null,null,null,null,null,null,"Para créditos que superen el límite máximo establecido en el apartado A.7 de la presente política, el Aforo máximo está en función del importe del crédito, como se indica a continuación:",null,null,null,null,null,"Pago por mil inicial",20.23,8.3000000000000007,8.3000000000000007,8.3000000000000007]
[null,null,null,"Adquisición (1)",null,null,null,"Liquidez Vivienda Terrenos","Construcción / Renovación II, III y IV ","Renovación I",null,null,null,"Monto del crédito",null,null,null,null,"CAT",9.6462634102279177E-2,0.10555092664671206,0.11006679751714032,0.1126258651403893]
[null,null,null,"Empleados ","Empleados ","Independientes","Vivienda",null,null,null,null,null,null,"Mayor a $5 MDP Menor a $6.5 MDP",null,"Mayor a $ 6.5 MDP",null,null,"Pagos","Iguales","Iguales","Iguales","Iguales"]
[null,null,null,"con apoyo","sin apoyo",null,"Descanso",null,null,null,null,null,"IR / Subproducto","Adquisición","Liquidez/Construcción/ Credirenovación","Adquisición","Liquidez/Construcción/ Credirenovación",null,"Revisiones cada 5 años","No aplica","Si","Si","Si"]
[null,null,1,0.95,0.9,0.85,0.65,"Hasta el 50% de acuerdo al valor del avalúo de la garantía. ","Hasta el 70% del valor proyectado de la vivienda o el 100% del valor de construcción, el menor","Hasta el 70% de acuerdo al valor del avalúo de la garantía.",null,null,1,0.65,0.65,0.55000000000000004,0.5,null,"% saldo remanente"]
[null,null,2,0.95,0.9,0.85,0.65,null,null,null,null,null,2,null,null,null,null,null,"Periodo 1",-1.6370904631912709E-16,0.59538061608442694,0.78499668110631449,0.87340842146161934]
[null,null,3,0.95,0.85,0.8,0.5,null,null,null,null,null,3,null,null,null,null,null,"Periodo 2","NA",-4.3473846744745971E-16,0.49995107180906884,0.72360122387207726]
[null,null,4,0.8,0.8,0.75,0.5,null,null,null,null,null,4,null,null,null,null,null,"Periodo 3","NA","NA",-4.8385118134319785E-16,0.46084934642953529]
[null,null,5,0.8,0.7,0.5,0.5,null,null,null,null,null,5,0.5,null,0.5,null,null,"Periodo 4","NA","NA","NA",7.2759576141834256E-18]
[]
[]
[]
[]
[]
[]
[]
[null,null,"B.8 Ingresos Mínimos"]
[]
[null,null,null,"APOYO GUBERNAMENTAL",null,null,null,"Residencial","Liquidez"]
[null,null,null,null,null,null,null,"Preventa","Construcción"]
[null,null,null,"Apoyo INFONAVIT",null,null,null,null,"CrediRenovación "]
[null,null,null,"COFINAVIT",null,null,null,null,"I, II, III, IV"]
[null,null,null,"FOVISSSTE "]
[null,null,null,"(ALIA2 y RESPAL2)"]
[null,null,"Ingreso",7500,null,null,null,10000,20000]
[null,null,"Mínimo"]
[]
[]
[]
["D) REGLAS PARA OBTENER EL % DE AFORO A FINANCIAR"]
["Producto","Regla "]
["Adquisición de vivienda ","Monto menor resultante entre el Avalúo del inmueble vs. el importe de la compra - venta."]
["Switch Hipotecario (Pago de Pasivos )","Monto menor resultante entre el Avalúo del inmueble vs. el importe vigente del crédito con la otra institución (Pasivo) más la comisión por apertura fianciable. "]
["Preventa","Se obtiene del valor proyectado del inmueble de acuerdo al dictamen técnico.",null,null,null,null,"A apartir del 05 de abril del 2017"]
["Liquidez","De acuerdo al valor del avalúo de la garantía (casa actual no grabada)"]
["Construcción ","Hasta el 70% del valor proyectado de la vivienda o el 100% del valor de construcción, el menor."]
["CrediRenovación","I: Hasta el 70% de acuerdo al valor del Avalúo de la garantía. "]
[]
[null,"II, III y IV: Hasta el 70% del valor proyectado de la vivienda (valor del avalúo más presupuesto de renovación según dictamen técnico) ó el 100% del valor de construcción, el menor."]
[]
[]
[]
[]
[null,null,"TDSR "]
[null,null,"Valora & Pagos Oportunos"]
[null,null,"IR","Adquisición",null,"Liquidez Vivienda, Construcción & Renovación I, II, III & IV"]
[null,null,null,"(Cualquier tipo de empleo)"]
[null,null,null,"Actual","Nueva","Actual","Nueva"]
[null,null,1,0.5,0.55000000000000004,0.35,0.35]
[null,null,2,0.45,0.5,0.32]
[null,null,3,null,null,null,0.32]
[null,null,4,0.38,0.4,null,0.3]
[null,null,5,null,null,0.3]
[]
[]
[]
[null,null,"PTI"]
[null,null,"IR","Valora & pagos Oportunos",null,null,null,null,null,null,null,"Hipoteca 7x5"]
[null,null,null,"Adquisición",null,"Switch",null,"Liquidez Vivienda",null,"Construcción & Renovación I, II, III & IV",null,"Adquisición/Switch"]
[null,null,null,"(Cualquier tipo de empleo)",null,null,null,null,null,null,null,"(Cualquier tipo de empleo)"]
[null,null,null,"Actual","Nueva","Empleados","Independientes","Actual","Nueva","Actual ","Nueva","Actual ","Nueva"]
[null,null,1,0.4,0.55000000000000004,0.65,0.6,0.2,0.35,0.25,0.35,0.4,0.45]
[null,null,2,0.35,0.5,null,0.55000000000000004,null,0.32]
[null,null,3,null,null,null,null,null,null,null,0.32]
[null,null,4,0.3,0.4,0.38,0.38,null,0.3,null,0.3,"NA","NA"]
[null,null,5]