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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Vivienda"]
[null,"Solicitante",null,null,null,null,null,"Opciones de crédito",null,null,null,null,null,null,null,null,null,null,null,"Crédito",null,null,null,null,null,"Tasas de interés",null,null,null,null,null,null,null,null,null,null,null,null,"Avalúo",null,null,null,null,"El cálculo es sobre el importe del crédito"]
[null,"Nombre",null,null,null,null,null,"Esquema de pagos",null,"V A L O R A",null,null,null,"P A G O S   O P O R T U N O S",null,null,null,null,null,"Plazo restante actual",null,null,null,null,"IR","Valora 10 a",{"$f":"AA57","v":1},"PxM","Icr Anual","Valora 15 a",{"$f":"AA57","v":1},"PxM","Icr Anual","Valora 20 a",{"$f":"AA57","v":1},"PxM","Icr Anual",null,"De","A","Actual","Switch",null,"GASTOS DE INSCRIPCION - PAGO DE PASIVOS"]
[null,"Teléfono",null,null,null,null,null,"Plazo contractual",null,"10 años","15 años","20 años",null,"7 años","10 años","15 años","20 años",null,null,null,"años",{"$f":"TRUNC(+F17/12)","v":0},"Seguros externos",2,{"$f":"IF(AA7=1,Y49,IF(AA7=2,Y51,IF(AA7=3,Y53,\"ElegirTasa\")))","v":"1+"},{"$f":"AA7","v":1},{"$f":"IF(AA7=1,AA49,IF(AA7=2,AA51,IF(AA7=3,AA53,\"ElegirTasa\")))","v":0.10249999999999999},{"$f":"IF(AA7=1,AB49,IF(AA7=2,AB51,IF(AA7=3,AB53,\"ElegirTasa\")))","v":12.38},{"$f":"IF(AA7=1,AC49,IF(AA7=2,AC51,IF(AA7=3,AC53,\"ElegirTasa\")))","v":2.5999999999999999E-2},{"$f":"AE7","v":1},{"$f":"IF(AE7=1,AE49,IF(AE7=2,AE51,IF(AE7=3,AE53,\"ElegirTasa\")))","v":0.10249999999999999},{"$f":"IF(AE7=1,AF49,IF(AE7=2,AF51,IF(AE7=3,AF53,\"ElegirTasa\")))","v":9.93},{"$f":"IF(AE7=1,AG49,IF(AE7=2,AG51,IF(AE7=3,AG53,\"ElegirTasa\")))","v":2.5999999999999999E-2},{"$f":"AI7","v":1},{"$f":"IF(AI7=1,AI49,IF(AI7=2,AI51,IF(AI7=3,AI53,\"ElegirTasa\")))","v":0.10249999999999999},{"$f":"IF(AI7=1,AJ49,IF(AI7=2,AJ51,IF(AI7=3,AJ53,\"ElegirTasa\")))","v":8.86},{"$f":"IF(AI7=1,AK49,IF(AI7=2,AK51,IF(AI7=3,AK53,\"ElegirTasa\")))","v":2.5999999999999999E-2},null,0.01,500000,null,1253,null,"Entidad","%"]
[null,"e-mail",null,null,null,null,null,"Tasa de interés inicial",null,null,null,null,null,{"$f":"+AA16","v":0.10249999999999999},{"$f":"+AB16","v":0.10249999999999999},{"$f":"+AC16","v":0.10249999999999999},{"$f":"+AD16","v":0.10249999999999999},null,null,null,"meses",{"$f":"+F17-V8*12","v":0},null,"Sí",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN8+1","v":500001},1000000,null,1740,null,"Edo. De México",2.2200000000000001E-2]
[null,null,null,null,null,null,null,"Tasa de interés mínima",null,0.10249999999999999,{"$f":"J10","v":0.10249999999999999},{"$f":"K10","v":0.10249999999999999},null,{"$f":"MIN(AA16:AA23)","v":9.4999999999999987E-2},{"$f":"MIN(AB16:AB26)","v":9.4999999999999987E-2},{"$f":"MIN(AC16:AC31)","v":9.4999999999999987E-2},{"$f":"MIN(AD16:AD36)","v":9.4999999999999987E-2},null,null,"Aforo máximo",null,0.95,null,"No",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN9+1","v":1000001},2000000,null,2784,null,"CDMX",2.1000000000000001E-2]
[null,"Valor actual del inmueble *",null,null,null,null,null,"Tasa de interés máxima",null,{"$f":"J10+2%","v":0.1225},{"$f":"+J11","v":0.1225},{"$f":"+K11","v":0.1225},null,{"$f":"+N9","v":0.10249999999999999},{"$f":"+O9","v":0.10249999999999999},{"$f":"+P9","v":0.10249999999999999},{"$f":"+Q9","v":0.10249999999999999},null,null,"Crédito máximo",null,{"$f":"+F11*V10","v":0},"Tipo de cliente",1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AN10+1","v":2000001},3000000,null,4663,null,"Chihuahua",1.7399999999999999E-2]
[null,"Valor destructible del inmueble *",null,null,null,null,null,"Costo anual total",null,{"$f":"IF(F15>0,(1+IRR('Valora 10'!AE22:AE262,0.01))^12-1,0)","v":0},{"$f":"IF(F15>0,(1+IRR('Valora 15'!AE22:AE262,0.01))^12-1,0)","v":0},{"$f":"IF(F15>0,(1+IRR('Valora 20'!AE22:AE262,0.01))^12-1,0)","v":0},null,{"$f":"IF(F15>0,(1+IRR('POport. 7'!AE22:AE262,0.01))^12-1,0)","v":0},{"$f":"IF(F15>0,(1+IRR('POport. 10'!AE22:AE262,0.01))^12-1,0)","v":0},{"$f":"IF(F15>0,(1+IRR('POport. 15'!AE22:AE262,0.01))^12-1,0)","v":0},{"$f":"IF(F15>0,(1+IRR('POport. 20'!AE22:AE262,0.01))^12-1,0)","v":0},null,null,"Comisión de apertura",null,{"$f":"IF(X11=1,0%,0)","v":0},null,"Normal",null,null,null,null,null,null,null,null,null,null,null,null,null,null,3000001,3000000,null,5000,null,"Durango",1.6199999999999999E-2]
[null,"Crédito actual",null,null,null,null,null,"Pago por mil inicial",null,{"$f":"VLOOKUP(AA7,Z8:AC14,3,FALSE)","v":12.38},{"$f":"VLOOKUP(AE7,AD8:AG14,3,FALSE)","v":9.93},{"$f":"VLOOKUP(AI7,AH8:AK14,3,FALSE)","v":8.86},null,16.82,13.45,11,9.92,null,null,"Gastos Notariales Financiados",null,2,null,"Premium",null,null,null,null,null,null,null,null,null,null,null,null,null,null,3000001,4000000,null,5000,null,"Nuevo León",1.5900000000000001E-2]
[null,"Institución financiera",null,null,null,null,null,"Crecimiento anual",null,{"$f":"VLOOKUP(AA7,Z8:AC14,4,FALSE)","v":2.5999999999999999E-2},{"$f":"VLOOKUP(AE7,AD8:AG14,4,FALSE)","v":2.5999999999999999E-2},{"$f":"VLOOKUP(AI7,AH8:AK14,4,FALSE)","v":2.5999999999999999E-2},null,"no aplica","no aplica","no aplica","no aplica",null,null,"Segurode vida",null,{"$f":"0.6","v":0.6},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4000001,5000000,null,5000,null,"Quintana Roo",1.5800000000000002E-2]
[null,"Saldo total del crédito *",null,null,null,null,null,"Erogación inicial",null,{"$f":"+$F$25*J13/1000","v":0},{"$f":"+$F$25*K13/1000","v":0},{"$f":"+$F$25*L13/1000","v":0},null,{"$f":"+$F$25*N13/1000","v":0},{"$f":"+$F$25*O13/1000","v":0},{"$f":"+$F$25*P13/1000","v":0},{"$f":"+$F$25*Q13/1000","v":0},null,null,"Seguor de daños",null,{"$f":"0.31","v":0.31},null,null,null,"P.Oport.","7 años","10 años","15 años","20 años",null,null,null,null,null,null,null,null,5000001,8000000,null,5000,null,"Tabasco",1.46E-2]
[null,"Pago mensual total *",null,null,null,null,null,"Seguros",null,{"$f":"$F$25/1000*IF($X$8=1,0,$V$14)+IF($F$12>0,$F$12,$F$11)/1000*IF($X$8=1,0,$V$15)","v":0},{"$f":"$F$25/1000*IF($X$8=1,0,$V$14)+IF($F$12>0,$F$12,$F$11)/1000*IF($X$8=1,0,$V$15)","v":0},{"$f":"$F$25/1000*IF($X$8=1,0,$V$14)+IF($F$12>0,$F$12,$F$11)/1000*IF($X$8=1,0,$V$15)","v":0},null,{"$f":"$F$25/1000*IF($X$8=1,0,$V$14)+IF($F$12>0,$F$12,$F$11)/1000*IF($X$8=1,0,$V$15)","v":0},{"$f":"$F$25/1000*IF($X$8=1,0,$V$14)+IF($F$12>0,$F$12,$F$11)/1000*IF($X$8=1,0,$V$15)","v":0},{"$f":"$F$25/1000*IF($X$8=1,0,$V$14)+IF($F$12>0,$F$12,$F$11)/1000*IF($X$8=1,0,$V$15)","v":0},{"$f":"$F$25/1000*IF($X$8=1,0,$V$14)+IF($F$12>0,$F$12,$F$11)/1000*IF($X$8=1,0,$V$15)","v":0},null,null,"Com. Aut. Difer.",null,0,null,null,null,0,0.10249999999999999,0.10249999999999999,0.10249999999999999,0.10249999999999999,null,null,null,null,null,null,null,null,8000001,11000000,null,5000,null,"Coahuila",1.0200000000000001E-2]
[null,"Plazo restante (meses) *",null,null,null,null,null,{"$f":"IF($I$17=\"\",$AI$24&\" \"&TEXT(IF($AJ$20=2,$AK$23,$AK$24),\"###0.00%\"),$AI$24)","v":"Impuestos y derechos "},null,{"$f":"IFERROR(IF(IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))<F24,0,IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))-F24),0)","v":0},{"$f":"IFERROR(IF(IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))<F24,0,IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))-F24),0)","v":0},{"$f":"IFERROR(IF(IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))<F24,0,IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))-F24),0)","v":0},null,{"$f":"IFERROR(IF(IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))<F24,0,IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))-F24),0)","v":0},{"$f":"IFERROR(IF(IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))<F24,0,IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))-F24),0)","v":0},{"$f":"IFERROR(IF(IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))<F24,0,IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))-F24),0)","v":0},{"$f":"IFERROR(IF(IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))<F24,0,IF($F$15=\"\",0,$F$15*IF($I$17=\"\",IF($AJ$20=2,$AK$23,$AK$24),$I$17))-F24),0)","v":0},null,null,"Plazos",null,null,null,null,null,1,{"$f":"+AA16-0.002","v":0.10049999999999999},0.10049999999999999,0.10049999999999999,0.10049999999999999,null,null,null,null,null,null,null,null,11000001,15000000,null,5000,null,"Baja California",1.01E-2]
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[null,null,null,null,null,{"$f":"IFERROR(IF(F15/F11>95%,\"Supera el Aforo Máximo del 95%\",\"\"),\"\")","v":""},null,"Avalúo",null,0,0,0,null,0,0,0,0,null,null,"Plazo",{"$f":"+'Valora 10'!T22","v":0},{"$f":"+'Valora 15'!T22","v":0},{"$f":"+'Valora 20'!T22","v":0},null,null,3,9.6499999999999989E-2,9.6499999999999989E-2,9.6499999999999989E-2,9.6499999999999989E-2,null,null,null,null,"Apoyo Infonavit",null,null,null,20000001,25000000,null,5000,null,"Veracruz",9.7000000000000003E-3]
[null,"Crédito solicitado",null,null,null,null,null,"Gastos de originación",null,{"$f":"SUM(J17:J19)","v":0},{"$f":"SUM(K17:K19)","v":0},{"$f":"SUM(L17:L19)","v":0},null,{"$f":"SUM(N17:N19)","v":0},{"$f":"SUM(O17:O19)","v":0},{"$f":"SUM(P17:P19)","v":0},{"$f":"SUM(Q17:Q19)","v":0},null,null,"años",{"$f":"TRUNC(U19/12)","v":0},{"$f":"TRUNC(V19/12)","v":0},{"$f":"TRUNC(W19/12)","v":0},null,null,4,{"$f":"+AA19-0.0015","v":9.4999999999999987E-2},{"$f":"+AB19-0.0015","v":9.4999999999999987E-2},{"$f":"+AC19-0.0015","v":9.4999999999999987E-2},{"$f":"+AD19-0.0015","v":9.4999999999999987E-2},null,"CALCULO PARA EL IMPORTE MAXIMO DE APORTACION PATRONAL",null,null,"NO",1,null,null,25000001,30000000,null,5000,null,"Morelos",9.4999999999999998E-3]
[null,"Gastos Notariales Financiados",null,null,null,null,null,"Primera mensualidad",null,{"$f":"+J16+J15","v":0},{"$f":"+K16+K15","v":0},{"$f":"+L16+L15","v":0},null,{"$f":"+N16+N15","v":0},{"$f":"+O16+O15","v":0},{"$f":"+P16+P15","v":0},{"$f":"+Q16+Q15","v":0},null,null,"meses",{"$f":"+U19-U20*12","v":0},{"$f":"+V19-V20*12","v":0},{"$f":"+W19-W20*12","v":0},null,null,5,{"$f":"AA20","v":9.4999999999999987E-2},{"$f":"AB20","v":9.4999999999999987E-2},{"$f":"AC20","v":9.4999999999999987E-2},{"$f":"AD20","v":9.4999999999999987E-2},null,"Salario diario nominal (UMA enero 2024)",null,108.57,"SI",null,null,null,30000001,30000000,null,5000,null,"Yucatán",8.3999999999999995E-3]
[null,{"$f":"IF(V13=2,\"\",\"Monto Máximo Financiado\")","v":""},null,null,null,{"$f":"IF(V13=2,\"\",IF(F11*V10=F15,0,IF(F15*6%+F15>F11*V10,F11*V10-F15,F15*6%)))","v":""},null,"Importe del prepago recurrente",null,0,0,0,null,0,0,0,0,null,null,"Ahorro",{"$f":"MAX(0,+$F$17-U19)","v":0},{"$f":"MAX(0,+$F$17-V19)","v":0},{"$f":"MAX(0,+$F$17-W19)","v":0},null,null,6,{"$f":"AA21","v":9.4999999999999987E-2},{"$f":"AB21","v":9.4999999999999987E-2},9.4999999999999987E-2,9.4999999999999987E-2,null,"Tope de aportación patronal (Veces el SMGVDF)",null,25,null,null,null,null,null,null,null,null,null,"Baja California Sur",8.2000000000000007E-3]
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[null,{"$f":"IF(OR(F22=\"\",F22=0),\"\",\"Monto a Financiar Gastos Notariales\")","v":""},null,null,null,{"$f":"F22","v":""},null,"Plazo de liquidación",null,{"$f":"CONCATENATE(U20,\" a \",U21, \" m\")","v":"0 a 0 m"},{"$f":"CONCATENATE(V20,\" a \",V21, \" m\")","v":"0 a 0 m"},{"$f":"CONCATENATE(W20,\" a \",W21, \" m\")","v":"0 a 0 m"},null,{"$f":"CONCATENATE(U27,\" a \",U28, \" m\")","v":"0 a 0 m"},{"$f":"CONCATENATE(V27,\" a \",V28, \" m\")","v":"0 a 0 m"},{"$f":"CONCATENATE(W27,\" a \",W28, \" m\")","v":"0 a 0 m"},{"$f":"CONCATENATE(X27,\" a \",X28, \" m\")","v":"0 a 0 m"},null,null,"meses",{"$f":"+U22-U23*12","v":0},{"$f":"+V22-V23*12","v":0},{"$f":"+W22-W23*12","v":0},null,null,8,null,9.4999999999999987E-2,9.4999999999999987E-2,9.4999999999999987E-2,null,"Aportación Patronal 5%",null,{"$f":"+AH23*0.05","v":135.71250000000001},{"$f":"IF($AJ$20=2,\"Infonavit impuestos y derechos\",\"Impuestos y derechos\")","v":"Impuestos y derechos"},null,{"$f":"IF($AT$8=\"\",\"\",INDEX($AR$9:$AS$38,$AT$8,2))","v":""},null,null,null,null,null,null,"Oaxaca",7.1999999999999998E-3]
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[null,"% de financiamiento",null,null,null,null,null,"Beneficios",null,null,null,null,null,null,null,null,null,null,null,"Plazo",{"$f":"+'POport. 7'!T22","v":0},{"$f":"+'POport. 10'!T22","v":0},{"$f":"+'POport. 15'!T22","v":0},{"$f":"+'POport. 20'!T22","v":0},null,10,null,9.4999999999999987E-2,9.4999999999999987E-2,9.4999999999999987E-2,null,"No. de días del bimestre (promedio 60 días)",null,60.8,null,null,null,null,null,null,null,null,null,"Tamaulipas",7.0000000000000001E-3]
[null,null,null,null,null,null,null,"Ahorro en mensualidad",null,{"$f":"MAX(0,+$F$16-J23)","v":0},{"$f":"MAX(0,+$F$16-K23)","v":0},{"$f":"MAX(0,+$F$16-L23)","v":0},null,{"$f":"MAX(0,+$F$16-N23)","v":0},{"$f":"MAX(0,+$F$16-O23)","v":0},{"$f":"MAX(0,+$F$16-P23)","v":0},{"$f":"MAX(0,+$F$16-Q23)","v":0},null,null,"años",{"$f":"TRUNC(U26/12)","v":0},{"$f":"TRUNC(V26/12)","v":0},{"$f":"TRUNC(W26/12)","v":0},{"$f":"TRUNC(X26/12)","v":0},null,11,null,null,9.4999999999999987E-2,9.4999999999999987E-2,null,"Aportación Patronal bimestral",null,{"$f":"+AH24*AH26","v":8251.32},null,null,null,null,null,null,null,null,null,"Sonora",6.8999999999999999E-3]
[null,"Seguros externos",null,null,null,null,null,"Reducción vs pago actual",null,{"$f":"IF($F$16>0,J27/$F$16,0)","v":0},{"$f":"IF($F$16>0,K27/$F$16,0)","v":0},{"$f":"IF($F$16>0,L27/$F$16,0)","v":0},null,{"$f":"IF($F$16>0,N27/$F$16,0)","v":0},{"$f":"IF($F$16>0,O27/$F$16,0)","v":0},{"$f":"IF($F$16>0,P27/$F$16,0)","v":0},{"$f":"IF($F$16>0,Q27/$F$16,0)","v":0},null,null,"meses",{"$f":"+U26-U27*12","v":0},{"$f":"+V26-V27*12","v":0},{"$f":"+W26-W27*12","v":0},{"$f":"+X26-X27*12","v":0},null,12,null,null,9.4999999999999987E-2,9.4999999999999987E-2,null,"Incremento anual promedio para las aportaciones = ",null,0.03,null,null,null,null,null,null,null,null,null,"Querétaro",6.1000000000000004E-3]
[null,"Con apoyo Infonavit",null,null,null,null,null,"Ahorro en mensualidad - 12 meses",null,{"$f":"+J27*12","v":0},{"$f":"+K27*12","v":0},{"$f":"+L27*12","v":0},null,{"$f":"+N27*12","v":0},{"$f":"+O27*12","v":0},{"$f":"+P27*12","v":0},{"$f":"+Q27*12","v":0},null,null,"Ahorro",{"$f":"MAX(0,+$F$17-U26)","v":0},{"$f":"MAX(0,+$F$17-V26)","v":0},{"$f":"MAX(0,+$F$17-W26)","v":0},{"$f":"MAX(0,+$F$17-X26)","v":0},null,13,null,null,9.4999999999999987E-2,9.4999999999999987E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,"Puebla",5.7999999999999996E-3]
[null,null,null,null,null,null,null,"Ahorro en plazo de liquidación",null,{"$f":"CONCATENATE(U23,\" a \",U24, \" m\")","v":"0 a 0 m"},{"$f":"CONCATENATE(V23,\" a \",V24, \" m\")","v":"0 a 0 m"},{"$f":"CONCATENATE(W23,\" a \",W24, \" m\")","v":"0 a 0 m"},null,{"$f":"CONCATENATE(U30,\" a \",U31, \" m\")","v":"0 a 0 m"},{"$f":"CONCATENATE(V30,\" a \",V31, \" m\")","v":"0 a 0 m"},{"$f":"CONCATENATE(W30,\" a \",W31, \" m\")","v":"0 a 0 m"},{"$f":"CONCATENATE(X30,\" a \",X31, \" m\")","v":"0 a 0 m"},null,null,"años",{"$f":"TRUNC(U29/12)","v":0},{"$f":"TRUNC(V29/12)","v":0},{"$f":"TRUNC(W29/12)","v":0},{"$f":"TRUNC(X29/12)","v":0},null,14,null,null,9.4999999999999987E-2,9.4999999999999987E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nayarit",5.4000000000000003E-3]
[null,{"$f":"IF(AJ20=1,\"\",\"Capture el sueldo bruto\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"meses",{"$f":"+U29-U30*12","v":0},{"$f":"+V29-V30*12","v":0},{"$f":"+W29-W30*12","v":0},{"$f":"+X29-X30*12","v":0},null,15,null,null,9.4999999999999987E-2,9.4999999999999987E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,"Chiapas",5.3E-3]
[null,null,null,null,null,null,null,null,null,"Detalle","Detalle","Detalle",null,"Detalle","Detalle","Detalle","Detalle",null,null,null,null,null,null,null,null,16,null,null,null,9.4999999999999987E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,"Colima",5.3E-3]
[null,"* Captura obligatoria",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,null,null,null,9.4999999999999987E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,"San Luis Potosi",5.1000000000000004E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prepago recurrente",null,2,null,null,null,18,null,null,null,9.4999999999999987E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,"Sinaloa",4.4000000000000003E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"v2024.01",null,null,"Sin prepago recurrente",null,null,null,null,null,19,null,null,null,9.4999999999999987E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,"Michoacán",4.3E-3]
[null,"Notas:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prepago para Igualar mensualidad actual",null,null,null,null,null,20,null,null,null,9.4999999999999987E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hidalgo",4.1000000000000003E-3]
[null,1,"El crédito solicitado dependerá de la capacidad de pago de cada cliente.",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,"Guanajuato",1.9E-3]
[null,2,"Scotiabank se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa de interés en función de las ",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,"Aguascalientes",1.8E-3]
[null,null,"características específicas del solicitante y del inmueble objeto de la operación."]
[null,3,"Este documento no implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank."]
[null,4,"Para los esquemas de \"Valora\" y \"Pagos Oportunos\" se deberá cumplir con las reglas establecidas en los programas para la disminución de la tasa de interés."]
[null,5,"Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso."]
[]
[]
[null,null,null,null,null,null,null,"Importe del prepago recurrente",null,{"$f":"+J22","v":0},{"$f":"+K22","v":0},{"$f":"+L22","v":0},null,{"$f":"+N22","v":0},{"$f":"+O22","v":0},{"$f":"+P22","v":0},{"$f":"+Q22","v":0}]
[null,null,null,null,null,null,null,"(para eliminar error de captura)"]
[]
[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,"Valora 10 a",1,"PxM","Icr Anual","Valora 15 a",1,"PxM","Icr Anual","Valora 20 a",1,"PxM","Icr Anual"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1+","1+",0.10249999999999999,12.38,2.5999999999999999E-2,1,{"$f":"AA49","v":0.10249999999999999},9.93,{"$f":"+AC49","v":2.5999999999999999E-2},1,{"$f":"AA49","v":0.10249999999999999},8.86,{"$f":"+AC49","v":2.5999999999999999E-2}]
[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,"Valora 10 a",2,"PxM","Icr Anual","Valora 15 a",2,"PxM","Icr Anual","Valora 20 a",2,"PxM","Icr Anual"]
[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+,3+,4+","2+,3+,4+",0.105,12.6,2.4E-2,2,{"$f":"AA51","v":0.105},10.15,{"$f":"+AC51","v":2.4E-2},2,{"$f":"AA51","v":0.105},9.07,{"$f":"+AC51","v":2.4E-2}]
[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,"Valora 10 a",3,"PxM","Icr Anual","Valora 15 a",3,"PxM","Icr Anual","Valora 20 a",3,"PxM","Icr Anual"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1,2,3,4,5,6","1,2,3,4,5,6",0.105,12.6,2.4E-2,1,{"$f":"AA53","v":0.105},10.15,{"$f":"+AC53","v":2.4E-2},1,{"$f":"AA53","v":0.105},9.07,{"$f":"+AC53","v":2.4E-2}]
[]
[]
[]
[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,"Tasas",1]
[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,0.10249999999999999,"EA 1+"]
[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,"EA 2+ 3+ 4+"]

{"sheet":"Valora 20","index":1,"n_rows":273,"n_cols":48,"rows_kept":273,"cut":false,"hidden":false,"merged":[[2,13,2,15],[5,3,5,4],[5,6,5,13],[6,6,6,13]]}
[null,null,null,null,"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,"Simulador Pago de Pasivos"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!P3","v":"2024-03-22"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regresar"]
[null,"Nombre",null,{"$f":"+Simulador!$C$7","v":0},null,null,"Los pagos puntuales y anticipados reducen el plazo de liquidación"]
[null,"Valor de la vivienda",null,{"$f":"+Simulador!$F$11","v":0},null,null,{"$f":"CONCATENATE(Simulador!W20,\" años  \",Simulador!W21,\" meses\")","v":"0 años  0 meses"}]
[null,"Valor destructible",null,{"$f":"+Simulador!$F$12","v":0}]
[null,"Esquema Valora a 20 años"]
[null,"Crédito solicitado",null,{"$f":"+Simulador!$F$25","v":0}]
[null,"Tasa de interés inicial",null,{"$f":"VLOOKUP(Simulador!AI7,Simulador!AH8:AI14,2,FALSE)","v":0.10249999999999999}]
[null,"Pago por mil inicial",null,{"$f":"+Simulador!L13","v":8.86}]
[null,"Crecimiento anual",null,{"$f":"+Simulador!L14","v":2.5999999999999999E-2}]
[null,"Costo anual total",null,{"$f":"IFERROR((1+IRR(AE22:AE262,0.01))^12-1,0)","v":0}]
[]
[null,"Gastos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Comisión de apertura",null,{"$f":"IFERROR(Simulador!L18*1,0)","v":0},{"$f":"IF(Simulador!$V$13=1,\"Financiada\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de plazo"]
[null,"Avalúo",null,{"$f":"IFERROR(Simulador!L19*1,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de pago"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amortización sin prepagos para gráfica y CAT como producto sin prepagos"]
[null,"Periodo","Año","Mes","Tasa de interés","Saldo al inicio del periodo","Interés","Capital","Erogación","Crecimiento anual","Seguros","Aportación Bimestral (Apoyo Inf)","Prepago recurrente","Prepago no recurrente","Saldo al final de periodo","Pago Total",null,null,"Abono comisión atur. Dif.","Mes de Liquidación","Flujos para CAT",null,"Saldo al final de periodo","Interés","Capital","Erogación","Seguros","Comisión por aut. diferida","Abono comisión atur. Dif.","Pago Total","Flujos para CAT","Factores","Plazo","Fecha","Dias",null,"Año actual","Mes actual","Día actual","Dia/corte","sumar"]
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[null,2,{"$f":"IF(D23=12,C23+1,C23)","v":0},{"$f":"IF(D23=12,1,D23+1)","v":2},{"$f":"+E23","v":0.10249999999999999},{"$f":"+O23","v":0},{"$f":"IF(F24<0.01,0,F24*E24/360*AI24)","v":0},{"$f":"+I24-G24","v":0},{"$f":"IF($W$16=2,MAX(0,(MIN(+I23*(1+J24),F24*AF24))),MAX(0,(MIN(+I23*(1+J24),F24+G24))))","v":0},{"$f":"IF(D24=1,$D$13,0)","v":0},{"$f":"IF(F24<0.01,0,F24/1000*IF(Simulador!$X$8=1,0,Simulador!$V$14)+IF($D$8>0,$D$8,$D$7)/1000*IF(Simulador!$X$8=1,0,Simulador!$V$15))","v":0},{"$f":"IF(Simulador!$F$31*Simulador!$AG$25*2>Simulador!$AH$27,Simulador!$AH$27,IF(O23=0,0,Simulador!$F$31*Simulador!$AG$25*2))","v":0},{"$f":"MAX(0,MIN(O23+G24+K24+L24-(I24+K24+L24),Simulador!$L$45))","v":0},null,{"$f":"MAX(0,O23-H24-L24-M24-N24)","v":0},{"$f":"MAX(0,MIN(O23+G24+K24,I24+K24+M24+N24))","v":0},null,null,0,{"$f":"IF(AND(O23>0.01,F24<=0.01),B24,0)","v":0},{"$f":"+P24","v":0},null,{"$f":"+W23-Y24","v":0},{"$f":"W23*E24/360*AI24","v":0},{"$f":"+Z24-X24","v":0},{"$f":"MAX(0,(MIN(+Z23*(1+J24),W23+X24)))","v":0},{"$f":"IF(W23<0.01,0,+W23/1000*Simulador!$V$14+IF($D$8>0,$D$8,$D$7)/1000*Simulador!$V$15)","v":0},0,0,{"$f":"IF(W23<0.01,0,+Z24+AA24+AB24-AC24)","v":0},{"$f":"+AD24","v":0},{"$f":"IFERROR(Z24/W23,0)","v":0},{"$f":"IFERROR(IF(Y23<=0.01,0,AG23-1),0)","v":0},{"$f":"IF(Y23=0,\"\",DATE(YEAR(AH23),MONTH(AH23)+1,1))","v":""},{"$f":"IFERROR(DAY(DATE(YEAR(AH24),MONTH(AH24)+1,0)),0)","v":0},2,"Días/Mes",30.4375,{"$f":"SUM(AI83:AI262)","v":0},{"$f":"IF(AG83=0,0,AM24/AG83)","v":0}]
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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!Q35","v":"v2024.01"}]
[null,{"$f":"+Simulador!B36","v":"Notas:"}]
[null,{"$f":"+Simulador!B37","v":1},{"$f":"+Simulador!C37","v":"El crédito solicitado dependerá de la capacidad de pago de cada cliente."}]
[null,{"$f":"+Simulador!B38","v":2},{"$f":"+Simulador!C38","v":"Scotiabank se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa de interés en función de las "}]
[null,{"$f":"+Simulador!B39","v":0},{"$f":"+Simulador!C39","v":"características específicas del solicitante y del inmueble objeto de la operación."}]
[null,{"$f":"+Simulador!B40","v":3},{"$f":"+Simulador!C40","v":"Este documento no implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank."}]
[null,{"$f":"+Simulador!B41","v":4},{"$f":"+Simulador!C41","v":"Para los esquemas de \"Valora\" y \"Pagos Oportunos\" se deberá cumplir con las reglas establecidas en los programas para la disminución de la tasa de interés."}]
[null,{"$f":"+Simulador!B42","v":5},{"$f":"+Simulador!C42","v":"Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso."}]

{"sheet":"Valora 15","index":2,"n_rows":273,"n_cols":41,"rows_kept":273,"cut":false,"hidden":false,"merged":[[2,13,2,15],[5,3,5,4],[5,6,5,13],[6,6,6,13]]}
[null,null,null,null,"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,"Simulador Pago de Pasivos"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!P3","v":"2024-03-22"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regresar"]
[null,"Nombre",null,{"$f":"+Simulador!$C$7","v":0},null,null,"Los pagos puntuales y anticipados reducen el plazo de liquidación"]
[null,"Valor de la vivienda",null,{"$f":"+Simulador!$F$11","v":0},null,null,{"$f":"CONCATENATE(Simulador!V20,\" años  \",Simulador!V21,\" meses\")","v":"0 años  0 meses"}]
[null,"Valor destructible",null,{"$f":"+Simulador!$F$12","v":0}]
[null,"Esquema Valora a 15 años"]
[null,"Crédito solicitado",null,{"$f":"+Simulador!$F$25","v":0}]
[null,"Tasa de interés inicial",null,{"$f":"VLOOKUP(Simulador!AE7,Simulador!AD8:AG14,2,FALSE)","v":0.10249999999999999}]
[null,"Pago por mil inicial",null,{"$f":"+Simulador!K13","v":9.93}]
[null,"Crecimiento anual",null,{"$f":"+Simulador!K14","v":2.5999999999999999E-2}]
[null,"Costo anual total",null,{"$f":"IFERROR((1+IRR(AE22:AE262,0.01))^12-1,0)","v":0}]
[]
[null,"Gastos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Comisión de apertura",null,{"$f":"IFERROR(Simulador!K18*1,0)","v":0},{"$f":"IF(Simulador!$V$13=1,\"Financiada\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de plazo"]
[null,"Avalúo",null,{"$f":"IFERROR(Simulador!K19*1,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de pago"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amortización sin prepagos para gráfica y CAT como producto sin prepagos"]
[null,"Periodo","Año","Mes","Tasa de interés","Saldo al inicio del periodo","Interés","Capital","Erogación","Crecimiento anual","Seguros","Aportación Bimestral (Apoyo Inf)","Prepago recurrente","Prepago no recurrente","Saldo al final de periodo","Pago Total",null,null,"Abono comisión atur. Dif.","Mes de Liquidación","Flujos para CAT",null,"Saldo al final de periodo","Interés","Capital","Erogación","Seguros","Comisión por aut. diferida","Abono comisión atur. Dif.","Pago Total","Flujos para CAT","Factores","Plazo","Fecha","Dias",null,"Año actual","Mes actual","Día actual","Dia/corte","sumar"]
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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!Q35","v":"v2024.01"}]
[null,{"$f":"+Simulador!B36","v":"Notas:"}]
[null,{"$f":"+Simulador!B37","v":1},{"$f":"+Simulador!C37","v":"El crédito solicitado dependerá de la capacidad de pago de cada cliente."}]
[null,{"$f":"+Simulador!B38","v":2},{"$f":"+Simulador!C38","v":"Scotiabank se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa de interés en función de las "}]
[null,{"$f":"+Simulador!B39","v":0},{"$f":"+Simulador!C39","v":"características específicas del solicitante y del inmueble objeto de la operación."}]
[null,{"$f":"+Simulador!B40","v":3},{"$f":"+Simulador!C40","v":"Este documento no implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank."}]
[null,{"$f":"+Simulador!B41","v":4},{"$f":"+Simulador!C41","v":"Para los esquemas de \"Valora\" y \"Pagos Oportunos\" se deberá cumplir con las reglas establecidas en los programas para la disminución de la tasa de interés."}]
[null,{"$f":"+Simulador!B42","v":5},{"$f":"+Simulador!C42","v":"Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso."}]

{"sheet":"Valora 10","index":3,"n_rows":273,"n_cols":41,"rows_kept":273,"cut":false,"hidden":false,"merged":[[2,13,2,15],[5,3,5,4],[5,6,5,13],[6,6,6,13]]}
[null,null,null,null,"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,"Simulador Pago de Pasivos"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!P3","v":"2024-03-22"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regresar"]
[null,"Nombre",null,{"$f":"+Simulador!$C$7","v":0},null,null,"Los pagos puntuales y anticipados reducen el plazo de liquidación"]
[null,"Valor de la vivienda",null,{"$f":"+Simulador!$F$11","v":0},null,null,{"$f":"CONCATENATE(Simulador!U20,\" años  \",Simulador!U21,\" meses\")","v":"0 años  0 meses"}]
[null,"Valor destructible",null,{"$f":"+Simulador!$F$12","v":0}]
[null,"Esquema Valora a 10 años"]
[null,"Crédito solicitado",null,{"$f":"+Simulador!$F$25","v":0}]
[null,"Tasa de interés inicial",null,{"$f":"VLOOKUP(Simulador!AA7,Simulador!Z8:AC14,2,FALSE)","v":0.10249999999999999}]
[null,"Pago por mil inicial",null,{"$f":"+Simulador!J13","v":12.38}]
[null,"Crecimiento anual",null,{"$f":"+Simulador!J14","v":2.5999999999999999E-2}]
[null,"Costo anual total",null,{"$f":"IFERROR((1+IRR(AE22:AE262,0.01))^12-1,0)","v":0}]
[]
[null,"Gastos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Comisión de apertura",null,{"$f":"IFERROR(Simulador!J18*1,0)","v":0},{"$f":"IF(Simulador!$V$13=1,\"Financiada\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de plazo"]
[null,"Avalúo",null,{"$f":"IFERROR(Simulador!J19*1,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de pago"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amortización sin prepagos para gráfica y CAT como producto sin prepagos"]
[null,"Periodo","Año","Mes","Tasa de interés","Saldo al inicio del periodo","Interés","Capital","Erogación","Crecimiento anual","Seguros","Aportación Bimestral (Apoyo Inf)","Prepago recurrente","Prepago no recurrente","Saldo al final de periodo","Pago Total",null,null,"Abono comisión atur. Dif.","Mes de Liquidación","Flujos para CAT",null,"Saldo al final de periodo","Interés","Capital","Erogación","Seguros","Comisión por aut. diferida","Abono comisión atur. Dif.","Pago Total","Flujos para CAT","Factores","Plazo","Fecha","Dias",null,"Año actual","Mes actual","Día actual","Dia/corte","sumar"]
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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!Q35","v":"v2024.01"}]
[null,{"$f":"+Simulador!B36","v":"Notas:"}]
[null,{"$f":"+Simulador!B37","v":1},{"$f":"+Simulador!C37","v":"El crédito solicitado dependerá de la capacidad de pago de cada cliente."}]
[null,{"$f":"+Simulador!B38","v":2},{"$f":"+Simulador!C38","v":"Scotiabank se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa de interés en función de las "}]
[null,{"$f":"+Simulador!B39","v":0},{"$f":"+Simulador!C39","v":"características específicas del solicitante y del inmueble objeto de la operación."}]
[null,{"$f":"+Simulador!B40","v":3},{"$f":"+Simulador!C40","v":"Este documento no implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank."}]
[null,{"$f":"+Simulador!B41","v":4},{"$f":"+Simulador!C41","v":"Para los esquemas de \"Valora\" y \"Pagos Oportunos\" se deberá cumplir con las reglas establecidas en los programas para la disminución de la tasa de interés."}]
[null,{"$f":"+Simulador!B42","v":5},{"$f":"+Simulador!C42","v":"Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso."}]

{"sheet":"POport. 20","index":4,"n_rows":273,"n_cols":41,"rows_kept":273,"cut":false,"hidden":false,"merged":[[2,13,2,15],[5,3,5,4],[5,6,5,13],[6,6,6,13]]}
[null,null,null,null,"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,"Simulador Pago de Pasivos"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!P3","v":"2024-03-22"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regresar"]
[null,"Nombre",null,{"$f":"+Simulador!$C$7","v":0},null,null,"Los pagos puntuales y anticipados reducen el plazo de liquidación"]
[null,"Valor de la vivienda",null,{"$f":"+Simulador!$F$11","v":0},null,null,{"$f":"CONCATENATE(Simulador!X27,\" años  \",Simulador!X28,\" meses\")","v":"0 años  0 meses"}]
[null,"Valor destructible",null,{"$f":"+Simulador!$F$12","v":0}]
[null,"Esquema Pagos Oportunos a 20 años"]
[null,"Crédito solicitado",null,{"$f":"+Simulador!$F$25","v":0}]
[null,"Tasa de interés inicial",null,{"$f":"+Simulador!Q9","v":0.10249999999999999}]
[null,"Pago por mil inicial",null,{"$f":"+Simulador!Q13","v":9.92}]
[null,"Crecimiento anual",null,{"$f":"+Simulador!Q14","v":"no aplica"}]
[null,"Costo anual total",null,{"$f":"IFERROR((1+IRR(AE22:AE262,0.01))^12-1,0)","v":0}]
[]
[null,"Gastos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Comisión de apertura",null,{"$f":"IFERROR(Simulador!Q18*1,0)","v":0},{"$f":"IF(Simulador!$V$13=1,\"Financiada\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de plazo"]
[null,"Avalúo",null,{"$f":"IFERROR(Simulador!Q19*1,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de pago"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amortización sin prepagos para gráfica y CAT como producto sin prepagos"]
[null,"Periodo","Año","Mes","Tasa de interés","Saldo al inicio del periodo","Interés","Capital","Erogación","Crecimiento anual","Seguros","Aportación Bimestral (Apoyo Inf)","Prepago recurrente","Prepago no recurrente","Saldo al final de periodo","Pago Total",null,null,"Abono comisión atur. Dif.","Mes de Liquidación","Flujos para CAT",null,"Saldo al final de periodo","Interés","Capital","Erogación","Seguros","Comisión por aut. diferida","Abono comisión atur. Dif.","Pago Total","Flujos para CAT","Factores","Plazo","Fecha","Dias",null,"Año actual","Mes actual","Día actual","Dia/corte","sumar"]
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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!Q35","v":"v2024.01"}]
[null,{"$f":"+Simulador!B36","v":"Notas:"}]
[null,{"$f":"+Simulador!B37","v":1},{"$f":"+Simulador!C37","v":"El crédito solicitado dependerá de la capacidad de pago de cada cliente."}]
[null,{"$f":"+Simulador!B38","v":2},{"$f":"+Simulador!C38","v":"Scotiabank se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa de interés en función de las "}]
[null,{"$f":"+Simulador!B39","v":0},{"$f":"+Simulador!C39","v":"características específicas del solicitante y del inmueble objeto de la operación."}]
[null,{"$f":"+Simulador!B40","v":3},{"$f":"+Simulador!C40","v":"Este documento no implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank."}]
[null,{"$f":"+Simulador!B41","v":4},{"$f":"+Simulador!C41","v":"Para los esquemas de \"Valora\" y \"Pagos Oportunos\" se deberá cumplir con las reglas establecidas en los programas para la disminución de la tasa de interés."}]
[null,{"$f":"+Simulador!B42","v":5},{"$f":"+Simulador!C42","v":"Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso."}]

{"sheet":"POport. 15","index":5,"n_rows":273,"n_cols":41,"rows_kept":273,"cut":false,"hidden":false,"merged":[[2,13,2,15],[5,3,5,4],[5,6,5,13],[6,6,6,13]]}
[null,null,null,null,"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,"Simulador Pago de Pasivos"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!P3","v":"2024-03-22"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regresar"]
[null,"Nombre",null,{"$f":"+Simulador!$C$7","v":0},null,null,"Los pagos puntuales y anticipados reducen el plazo de liquidación"]
[null,"Valor de la vivienda",null,{"$f":"+Simulador!$F$11","v":0},null,null,{"$f":"CONCATENATE(Simulador!W27,\" años  \",Simulador!W28,\" meses\")","v":"0 años  0 meses"}]
[null,"Valor destructible",null,{"$f":"+Simulador!$F$12","v":0}]
[null,"Esquema Pagos Oportunos a 15 años"]
[null,"Crédito solicitado",null,{"$f":"+Simulador!$F$25","v":0}]
[null,"Tasa de interés inicial",null,{"$f":"+Simulador!P9","v":0.10249999999999999}]
[null,"Pago por mil inicial",null,{"$f":"+Simulador!P13","v":11}]
[null,"Crecimiento anual",null,{"$f":"+Simulador!P14","v":"no aplica"}]
[null,"Costo anual total",null,{"$f":"IFERROR((1+IRR(AE22:AE262,0.01))^12-1,0)","v":0}]
[]
[null,"Gastos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Comisión de apertura",null,{"$f":"IFERROR(Simulador!P18*1,0)","v":0},{"$f":"IF(Simulador!$V$13=1,\"Financiada\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de plazo"]
[null,"Avalúo",null,{"$f":"IFERROR(Simulador!P19*1,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de pago"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amortización sin prepagos para gráfica y CAT como producto sin prepagos"]
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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!Q35","v":"v2024.01"}]
[null,{"$f":"+Simulador!B36","v":"Notas:"}]
[null,{"$f":"+Simulador!B37","v":1},{"$f":"+Simulador!C37","v":"El crédito solicitado dependerá de la capacidad de pago de cada cliente."}]
[null,{"$f":"+Simulador!B38","v":2},{"$f":"+Simulador!C38","v":"Scotiabank se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa de interés en función de las "}]
[null,{"$f":"+Simulador!B39","v":0},{"$f":"+Simulador!C39","v":"características específicas del solicitante y del inmueble objeto de la operación."}]
[null,{"$f":"+Simulador!B40","v":3},{"$f":"+Simulador!C40","v":"Este documento no implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank."}]
[null,{"$f":"+Simulador!B41","v":4},{"$f":"+Simulador!C41","v":"Para los esquemas de \"Valora\" y \"Pagos Oportunos\" se deberá cumplir con las reglas establecidas en los programas para la disminución de la tasa de interés."}]
[null,{"$f":"+Simulador!B42","v":5},{"$f":"+Simulador!C42","v":"Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso."}]

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[null,null,null,null,"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,"Simulador Pago de Pasivos"]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regresar"]
[null,"Nombre",null,{"$f":"+Simulador!$C$7","v":0},null,null,"Los pagos puntuales y anticipados reducen el plazo de liquidación"]
[null,"Valor de la vivienda",null,{"$f":"+Simulador!$F$11","v":0},null,null,{"$f":"CONCATENATE(Simulador!V27,\" años  \",Simulador!V28,\" meses\")","v":"0 años  0 meses"}]
[null,"Valor destructible",null,{"$f":"+Simulador!$F$12","v":0}]
[null,"Esquema Pagos Oportunos a 10 años"]
[null,"Crédito solicitado",null,{"$f":"+Simulador!$F$25","v":0}]
[null,"Tasa de interés inicial",null,{"$f":"+Simulador!O9","v":0.10249999999999999}]
[null,"Pago por mil inicial",null,{"$f":"+Simulador!O13","v":13.45}]
[null,"Crecimiento anual",null,{"$f":"+Simulador!O14","v":"no aplica"}]
[null,"Costo anual total",null,{"$f":"IFERROR((1+IRR(AE22:AE262,0.01))^12-1,0)","v":0}]
[]
[null,"Gastos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Comisión de apertura",null,{"$f":"IFERROR(Simulador!O18*1,0)","v":0},{"$f":"IF(Simulador!$V$13=1,\"Financiada\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de plazo"]
[null,"Avalúo",null,{"$f":"IFERROR(Simulador!O19*1,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de pago"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amortización sin prepagos para gráfica y CAT como producto sin prepagos"]
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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!Q35","v":"v2024.01"}]
[null,{"$f":"+Simulador!B36","v":"Notas:"}]
[null,{"$f":"+Simulador!B37","v":1},{"$f":"+Simulador!C37","v":"El crédito solicitado dependerá de la capacidad de pago de cada cliente."}]
[null,{"$f":"+Simulador!B38","v":2},{"$f":"+Simulador!C38","v":"Scotiabank se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa de interés en función de las "}]
[null,{"$f":"+Simulador!B39","v":0},{"$f":"+Simulador!C39","v":"características específicas del solicitante y del inmueble objeto de la operación."}]
[null,{"$f":"+Simulador!B40","v":3},{"$f":"+Simulador!C40","v":"Este documento no implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank."}]
[null,{"$f":"+Simulador!B41","v":4},{"$f":"+Simulador!C41","v":"Para los esquemas de \"Valora\" y \"Pagos Oportunos\" se deberá cumplir con las reglas establecidas en los programas para la disminución de la tasa de interés."}]
[null,{"$f":"+Simulador!B42","v":5},{"$f":"+Simulador!C42","v":"Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso."}]

{"sheet":"POport. 7","index":7,"n_rows":273,"n_cols":41,"rows_kept":273,"cut":false,"hidden":false,"merged":[[2,13,2,15],[5,3,5,4],[5,6,5,13],[6,6,6,13]]}
[null,null,null,null,"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,"Simulador Pago de Pasivos"]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Regresar"]
[null,"Nombre",null,{"$f":"+Simulador!$C$7","v":0},null,null,"Los pagos puntuales y anticipados reducen el plazo de liquidación"]
[null,"Valor de la vivienda",null,{"$f":"+Simulador!$F$11","v":0},null,null,{"$f":"CONCATENATE(Simulador!U27,\" años  \",Simulador!U28,\" meses\")","v":"0 años  0 meses"}]
[null,"Valor destructible",null,{"$f":"+Simulador!$F$12","v":0}]
[null,"Esquema Pagos Oportunos a 7 años"]
[null,"Crédito solicitado",null,{"$f":"+Simulador!$F$25","v":0}]
[null,"Tasa de interés inicial",null,{"$f":"+Simulador!N9","v":0.10249999999999999}]
[null,"Pago por mil inicial",null,{"$f":"+Simulador!N13","v":16.82}]
[null,"Crecimiento anual",null,{"$f":"+Simulador!N14","v":"no aplica"}]
[null,"Costo anual total",null,{"$f":"IFERROR((1+IRR(AE22:AE262,0.01))^12-1,0)","v":0}]
[]
[null,"Gastos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,"Comisión de apertura",null,{"$f":"IFERROR(Simulador!N18*1,0)","v":0},{"$f":"IF(Simulador!$V$13=1,\"Financiada\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de plazo"]
[null,"Avalúo",null,{"$f":"IFERROR(Simulador!N19*1,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de pago"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amortización sin prepagos para gráfica y CAT como producto sin prepagos"]
[null,"Periodo","Año","Mes","Tasa de interés","Saldo al inicio del periodo","Interés","Capital","Erogación","Crecimiento anual","Seguros","Aportación Bimestral (Apoyo Inf)","Prepago recurrente","Prepago no recurrente","Saldo al final de periodo","Pago Total",null,null,"Abono comisión atur. Dif.","Mes de Liquidación","Flujos para CAT",null,"Saldo al final de periodo","Interés","Capital","Erogación","Seguros","Comisión por aut. diferida","Abono comisión atur. Dif.","Pago Total","Flujos para CAT","Factores","Plazo","Fecha","Dias",null,"Año actual","Mes actual","Día actual","Dia/corte","sumar"]
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[null,null,null,null,null,null,{"$f":"SUM(G23:G262)","v":0},{"$f":"SUM(H23:H262)","v":0},{"$f":"IF($W$16=2,MAX(0,(MIN(+I262*(1+J263),F262*AF263))),MAX(0,(MIN(+I262*(1+J263),F262+G263))))","v":0},null,{"$f":"SUM(K23:K262)","v":0},{"$f":"SUM(L23:L262)","v":0},{"$f":"SUM(M23:M262)","v":0},{"$f":"SUM(N23:N262)","v":0},null,{"$f":"SUM(P23:P262)","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Simulador!Q35","v":"v2024.01"}]
[null,{"$f":"+Simulador!B36","v":"Notas:"}]
[null,{"$f":"+Simulador!B37","v":1},{"$f":"+Simulador!C37","v":"El crédito solicitado dependerá de la capacidad de pago de cada cliente."}]
[null,{"$f":"+Simulador!B38","v":2},{"$f":"+Simulador!C38","v":"Scotiabank se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa de interés en función de las "}]
[null,{"$f":"+Simulador!B39","v":0},{"$f":"+Simulador!C39","v":"características específicas del solicitante y del inmueble objeto de la operación."}]
[null,{"$f":"+Simulador!B40","v":3},{"$f":"+Simulador!C40","v":"Este documento no implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank."}]
[null,{"$f":"+Simulador!B41","v":4},{"$f":"+Simulador!C41","v":"Para los esquemas de \"Valora\" y \"Pagos Oportunos\" se deberá cumplir con las reglas establecidas en los programas para la disminución de la tasa de interés."}]
[null,{"$f":"+Simulador!B42","v":5},{"$f":"+Simulador!C42","v":"Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso."}]

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[]
["Carátula de Crédito "]
[null,null,null,"Nombre del Acreditado y/o Coacreditado:"]
[null,null,null,{"$f":"IF(Simulador!C7=\"\",\"\",Simulador!C7)","v":""}]
[null,null,null,"Número de Crédito:"]
[]
["Nombre comercial del producto: ",{"$f":"\"CREDIRESIDENCIAL VALORA\"&\" \"&A18","v":"CREDIRESIDENCIAL VALORA 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"]
[{"$f":"'Valora 20'!D14","v":0},{"$f":"'Valora 20'!D11","v":0.10249999999999999},{"$f":"'Valora 20'!D10","v":0},{"$f":"'Valora 20'!P263","v":0}]
["Sin IVA",null,null,"Moneda en"]
["Para fines",null,null,"Pesos"]
["informativos y de",null,null,"Mexicanos "]
["comparación","Tasa Fija"]
["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. "]
["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"]
[{"$f":"\"Apertura: \"&TEXT('Valora 20'!D17,\"$###,###.00\")","v":"Apertura: $.00"},null,"Cobranza: $500.00 más IVA por pago tardío "]
[{"$f":"\"Prepago: \"&IF(Simulador!L22>0,\"3% \",\"0% \")&\"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 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. "]
["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 "]
[{"$f":"\"Registro de Contratos de Adhesión Núm:  \"&IFERROR(IF(Simulador!F15=\"\",\"\",IF(Simulador!$AJ$20=1,RECAS!D6,RECAS!D8)),\"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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[]
["Carátula de Crédito "]
[null,null,null,"Nombre del Acreditado y/o Coacreditado:"]
[null,null,null,{"$f":"IF(Simulador!C7=\"\",\"\",Simulador!C7)","v":""}]
[null,null,null,"Número de Crédito:"]
[]
["Nombre comercial del producto: ",{"$f":"\"CREDIRESIDENCIAL VALORA\"&\" \"&A18","v":"CREDIRESIDENCIAL VALORA 15 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"]
[{"$f":"'Valora 15'!D14","v":0},{"$f":"'Valora 15'!D11","v":0.10249999999999999},{"$f":"'Valora 15'!D10","v":0},{"$f":"'Valora 15'!P263","v":0}]
["Sin IVA",null,null,"Moneda en"]
["Para fines",null,null,"Pesos"]
["informativos y de",null,null,"Mexicanos "]
["comparación","Tasa Fija"]
["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. "]
["15 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"]
[{"$f":"\"Apertura: \"&TEXT('Valora 15'!D17,\"$###,###.00\")","v":"Apertura: $.00"},null,"Cobranza: $500.00 más IVA por pago tardío "]
[{"$f":"\"Prepago: \"&IF(Simulador!L22>0,\"3% \",\"0% \")&\"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 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. "]
["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 "]
[{"$f":"\"Registro de Contratos de Adhesión Núm:  \"&IFERROR(IF(Simulador!F15=\"\",\"\",IF(Simulador!$AJ$20=1,RECAS!D6,RECAS!D8)),\"Revisa los datos ingresados\")","v":"Registro de Contratos de Adhesión Núm:  "}]
[]
["Teléfono: 800 999 8080 y (55) 5340 0999. Página de Internet. www.condusef.gob.mx "]

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[]
["Carátula de Crédito "]
[null,null,null,"Nombre del Acreditado y/o Coacreditado:"]
[null,null,null,{"$f":"IF(Simulador!C7=\"\",\"\",Simulador!C7)","v":""}]
[null,null,null,"Número de Crédito:"]
[]
["Nombre comercial del producto: ",{"$f":"\"CREDIRESIDENCIAL VALORA\"&\" \"&A18","v":"CREDIRESIDENCIAL VALORA 10 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"]
[{"$f":"'Valora 10'!D14","v":0},{"$f":"'Valora 10'!D11","v":0.10249999999999999},{"$f":"'Valora 10'!D10","v":0},{"$f":"'Valora 10'!P263","v":0}]
["Sin IVA",null,null,"Moneda en"]
["Para fines",null,null,"Pesos"]
["informativos y de",null,null,"Mexicanos "]
["comparación","Tasa Fija"]
["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. "]
["10 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"]
[{"$f":"\"Apertura: \"&TEXT('Valora 10'!D17,\"$###,###.00\")","v":"Apertura: $.00"},null,"Cobranza: $500.00 más IVA por pago tardío "]
[{"$f":"\"Prepago: \"&IF(Simulador!L22>0,\"3% \",\"0% \")&\"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 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. "]
["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 "]
[{"$f":"\"Registro de Contratos de Adhesión Núm:  \"&IFERROR(IF(Simulador!F15=\"\",\"\",IF(Simulador!$AJ$20=1,RECAS!D6,RECAS!D8)),\"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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[]
["Carátula de Crédito "]
[null,null,null,"Nombre del Acreditado y/o Coacreditado:"]
[null,null,null,{"$f":"IF(Simulador!C7=\"\",\"\",Simulador!C7)","v":""}]
[null,null,null,"Número de Crédito:"]
[]
["Nombre comercial del producto: ",{"$f":"\"CREDIRESIDENCIAL PAGOS OPORTUNOS\"&\" \"&A18","v":"CREDIRESIDENCIAL PAGOS OPORTUNOS 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"]
[{"$f":"'POport. 20'!D14","v":0},{"$f":"'POport. 20'!D11","v":0.10249999999999999},{"$f":"'POport. 20'!D10","v":0},{"$f":"'POport. 20'!P263","v":0}]
["Sin IVA",null,null,"Moneda en"]
["Para fines",null,null,"Pesos"]
["informativos y de",null,null,"Mexicanos "]
["comparación","Tasa Fija"]
["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. "]
["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"]
[{"$f":"\"Apertura: \"&TEXT('POport. 20'!D17,\"$###,###.00\")","v":"Apertura: $.00"},null,"Cobranza: $500.00 más IVA por pago tardío "]
[{"$f":"\"Prepago: \"&IF(Simulador!L22>0,\"3% \",\"0% \")&\"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 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. "]
["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 "]
[{"$f":"\"Registro de Contratos de Adhesión Núm:  \"&IFERROR(IF(Simulador!F15=\"\",\"\",IF(Simulador!$AJ$20=1,RECAS!D5,RECAS!D7)),\"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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[]
["Carátula de Crédito "]
[null,null,null,"Nombre del Acreditado y/o Coacreditado:"]
[null,null,null,{"$f":"IF(Simulador!C7=\"\",\"\",Simulador!C7)","v":""}]
[null,null,null,"Número de Crédito:"]
[]
["Nombre comercial del producto: ",{"$f":"\"CREDIRESIDENCIAL PAGOS OPORTUNOS\"&\" \"&A18","v":"CREDIRESIDENCIAL PAGOS OPORTUNOS 15 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"]
[{"$f":"'POport. 15'!D14","v":0},{"$f":"'POport. 15'!D11","v":0.10249999999999999},{"$f":"'POport. 15'!D10","v":0},{"$f":"'POport. 15'!P263","v":0}]
["Sin IVA",null,null,"Moneda en"]
["Para fines",null,null,"Pesos"]
["informativos y de",null,null,"Mexicanos "]
["comparación","Tasa Fija"]
["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. "]
["15 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"]
[{"$f":"\"Apertura: \"&TEXT('POport. 15'!D17,\"$###,###.00\")","v":"Apertura: $.00"},null,"Cobranza: $500.00 más IVA por pago tardío "]
[{"$f":"\"Prepago: \"&IF(Simulador!L22>0,\"3% \",\"0% \")&\"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 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. "]
["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 "]
[{"$f":"\"Registro de Contratos de Adhesión Núm:  \"&IFERROR(IF(Simulador!F15=\"\",\"\",IF(Simulador!$AJ$20=1,RECAS!D5,RECAS!D7)),\"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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[]
["Carátula de Crédito "]
[null,null,null,"Nombre del Acreditado y/o Coacreditado:"]
[null,null,null,{"$f":"IF(Simulador!C7=\"\",\"\",Simulador!C7)","v":""}]
[null,null,null,"Número de Crédito:"]
[]
["Nombre comercial del producto: ",{"$f":"\"CREDIRESIDENCIAL PAGOS OPORTUNOS\"&\" \"&A18","v":"CREDIRESIDENCIAL PAGOS OPORTUNOS 10 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"]
[{"$f":"'POport. 10'!D14","v":0},{"$f":"'POport. 10'!D11","v":0.10249999999999999},{"$f":"'POport. 10'!D10","v":0},{"$f":"'POport. 10'!P263","v":0}]
["Sin IVA",null,null,"Moneda en"]
["Para fines",null,null,"Pesos"]
["informativos y de",null,null,"Mexicanos "]
["comparación","Tasa Fija"]
["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. "]
["10 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"]
[{"$f":"\"Apertura: \"&TEXT('POport. 10'!D17,\"$###,###.00\")","v":"Apertura: $.00"},null,"Cobranza: $500.00 más IVA por pago tardío "]
[{"$f":"\"Prepago: \"&IF(Simulador!L22>0,\"3% \",\"0% \")&\"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 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. "]
["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 "]
[{"$f":"\"Registro de Contratos de Adhesión Núm:  \"&IFERROR(IF(Simulador!F15=\"\",\"\",IF(Simulador!$AJ$20=1,RECAS!D5,RECAS!D7)),\"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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[]
["Carátula de Crédito "]
[null,null,null,"Nombre del Acreditado y/o Coacreditado:"]
[null,null,null,{"$f":"IF(Simulador!C7=\"\",\"\",Simulador!C7)","v":""}]
[null,null,null,"Número de Crédito:"]
[]
["Nombre comercial del producto: ",{"$f":"\"CREDIRESIDENCIAL PAGOS OPORTUNOS\"&\" \"&A18","v":"CREDIRESIDENCIAL PAGOS OPORTUNOS 7 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"]
[{"$f":"'POport. 7'!D14","v":0},{"$f":"'POport. 7'!D11","v":0.10249999999999999},{"$f":"'POport. 7'!D10","v":0},{"$f":"'POport. 7'!P263","v":0}]
["Sin IVA",null,null,"Moneda en"]
["Para fines",null,null,"Pesos"]
["informativos y de",null,null,"Mexicanos "]
["comparación","Tasa Fija"]
["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. "]
["7 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"]
[{"$f":"\"Apertura: \"&TEXT('POport. 7'!D17,\"$###,###.00\")","v":"Apertura: $.00"},null,"Cobranza: $500.00 más IVA por pago tardío "]
[{"$f":"\"Prepago: \"&IF(Simulador!L22>0,\"3% \",\"0% \")&\"más IVA sobre el monto anticipado\"","v":"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. "]
["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 "]
[{"$f":"\"Registro de Contratos de Adhesión Núm:  \"&IFERROR(IF(Simulador!F15=\"\",\"\",IF(Simulador!$AJ$20=1,RECAS!D5,RECAS!D7)),\"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 "]

{"sheet":"RECAS","index":15,"n_rows":8,"n_cols":8,"rows_kept":8,"cut":false,"hidden":false,"merged":[[0,1,0,4]]}
[null,"RELACIÓN RECAS"]
["Clave","No.","Nombre","RECA","Fecha de expedición","Tipo Crédito","Esquema","Mancomunado"]
[{"$f":"F3&\"-\"&G3&\"-\"&H3","v":"9-2-1"},7,"Renovación y Pago de Pasivos Pagos Oportunos","0319-138-007462/24-00059-0124","2024-01-15",9,2,1]
["9-1-1",8,"Renovación y Pago de Pasivos Valora","0319-138-007463/25-00060-0124","2024-01-15",9,1,1]
["6-2-1",21,"Pago de Pasivos Pagos Oportunos","0319-138-007480/24-00073-0124","2024-01-15",6,2,1]
["6-1-1",22,"Pago de Pasivos Valora","0319-138-007481/24-00074-0124","2024-01-15",6,1,1]
["7-2-1",23,"Pago de Pasivos Pagos Oportunos con Apoyo Infonavit","0319-138-024405/15-00075-0124","2024-01-15",7,2,1]
["7-1-1",24,"Pago de Pasivos Valora con Apoyo Infonavit","0319-138-024404/15-00076-0124","2024-01-15",7,1,1]

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[null,null,"Sin prepagos","Con prepagos","Sin prepagos","Con prepagos","Sin prepagos","Con prepagos","Sin prepagos","Con prepagos","Sin prepagos","Con prepagos","Sin prepagos","Con prepagos","Sin prepagos","Con prepagos"]
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