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[0.89,0.3,1.4774582388010816E-2,2.0909102682563806E-2,2.6113163471196722E-2,3.0362027868267846E-2,null,0.89,0.3,1.4774582388010816E-2,2.0909102682563806E-2,2.6113163471196722E-2,3.0362027868267846E-2]
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[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2026-03-31"},null,null,null,null,null,null,null,null,null,null,"Enganche Opcional",{"$f":"J28","v":0},null,null,null,null,{"$f":"IF(G30<0.001,0,IF(Adm!J2=Captura!Y12,AA12,IF(Adm!J2=Captura!Y13,AA13)))","v":0},"Crédito a financiar ",{"$f":"IF(AD3>=Y4,Y4,AD3)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"dd mmm aaaa",{"$f":"TEXT(M3,M4)","v":"31 mar 2026"},null,null,null,null,null,null,null,null,null,"Crédito Banco necesario",{"$f":"Y1-Y2-Y3","v":0},null,null,null,null,null,"enganche faltante vivienda",{"$f":"Y1-Y2-AF3-Y3","v":0}]
[null,null,"1. Datos del solicitante",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aforo para tablas SVC",{"$f":"ROUND(CEILING(AF3/Y1,0.05),2)","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aforo inicial estimado",{"$f":"ROUND(Y4/Y1,2)","v":{"$error":"#DIV/0!"}}]
[null,null,"Nombre del cliente"]
[]
[null,null,"Atendido por :",null,null,null,null,null,null,"Teléfono",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MATRIZ",null,null,null,null,{"$f":"Adm!AE2","v":0},"Importe SCV ",{"$f":"AF3*AD9","v":0}]
[]
[]
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[null,null,"Destino",null,null,null,"Adquisición",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AB12<=80%,AB12,AB13)","v":{"$error":"#DIV/0!"}}]
[]
[null,null,"Selecciona el esquema de Pagos",null,null,null,null,null,"Indica el perfil de riesgo estimado"]
[]
[null,null,"Plazo en años"]
[]
[null,null,"Número de Intervinientes",null,null,null,1]
[]
[null,null,"¿Contratarás el seguro de Vida con Santander?",null,null,null,"SI"]
[]
[null,null,"¿Contratarás el seguro de Daños con Santander?",null,null,null,"SI"]
[]
[null,null,"Porcentaje de escrituración"]
[]
[null,null,"Valor de la vivienda ",null,null,null,null,null,"Captura enganche opcional"]
[]
[null,null,"Captura tus ingresos  ",null,null,null,null,{"$f":"IF(Adm!T2>=2,\" Para créditos con más de 1 interviniente deberás capturar la suma de todos los ingresos\",\"\")","v":""}]
[]
[null,null,{"$f":"S1","v":"Indica esquema de pagos"}]
[null,null,"3. Oferta"]
[null,null,"Te mostramos la oferta a la que podrías acceder de acuerdo al aforo y plazo seleccionado. La tasa y el aforo final estarán en función de la Evaluación de Crédito."]
[]
[null,null,null,"DETALLE FINANCIAMIENTO",null,null,null,null,null,"GASTOS INICIALES"]
[]
[null,null,null,"Valor del inmueble",null,null,{"$f":"G28","v":0},null,null,"Contratación crédito",null,null,{"$f":"IF(C32<>\"\",0,AF3*Adm!S2)","v":0}]
[]
[null,null,null,null,null,"Enganche Obligatorio del esquema",{"$f":"IF(C32<>\"\",0,Y2)","v":0},null,null,"Gastos de preoriginación avalúo hipotecario",null,null,{"$f":"IF(C32<>\"\",0,Adm!Y2)","v":0}]
[]
[null,null,null,null,null,"Enganche opcional",{"$f":"J28","v":0},null,null,"Gastos notariales",null,null,{"$f":"IF(C32<>\"\",0,G28*G26)","v":0}]
[]
[null,null,null,null,null,"Enganche necesario",{"$f":"AF4","v":0},null,null,"Gastos de preoriginación- gastos de aprobación1",null,null,{"$f":"IF(C32<>\"\",0,(Adm!AH2*G20))","v":0}]
[]
[null,null,null,"Monto del crédito Banco",null,null,{"$f":"IF(C32<>\"\",0,AF3)","v":0},null,null,"Prima SCV (Seguro Crédito a la Vivienda)2",null,null,{"$f":"IF(C32<>\"\",0,AF9)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,"Enganche Total",{"$f":"IF(AF4>0,\"(obligatorio + opcional +necesario)\",\"(obligatorio +opcional)\")","v":"(obligatorio +opcional)"},null,{"$f":"G40+G42+AF4","v":0}]
[]
[null,null,null,"GASTOS MENSUALES",null,null,null,null,null,null,"Subtotal Gastos",null,{"$f":"SUM(M38:M48)","v":0}]
[]
[null,null,null,"Pago Mensual inicial (k+ i)",null,null,{"$f":"IF(Adm!B2=Adm!B3,PMT(D70/12,Adm!D2*12,-L69),L69*Adm!K2/1000)","v":0}]
[]
[null,null,null,"Seguro de Vida",null,null,{"$f":"L69*Adm!$V$3","v":0},null,null,"Tasa",{"$f":"IF(C32<>\"\",0,Adm!J2)","v":0}]
[]
[null,null,null,"Seguro de daños",null,null,{"$f":"($G$28*0.7*Adm!$W$3)","v":0},null,null,"Plazo en años",{"$f":"IF(C32<>\"\",0,Captura!G18)","v":0}]
[]
[null,null,null,"Administración autorización de crédito diferido3",null,null,{"$f":"IF(C32<>\"\",0,Adm!$AD$2*1.16)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Adm!B3","v":"Congelados"}]
[]
[null,null,null,"Total mensualidad Inicial",null,null,{"$f":"G52+G54+G56+G58","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Reducción Plazo",{"$f":"Adm!B4","v":"Crecientes"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Plazo real",null,"Reducción Cuota"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MAXA(C69:C369)","v":0},null,"Efecto seleccionado","Esquema seleccionado",null,null,null,null,"Monto crédito",1000000]
[null,null,"4. Tabla de Amortización",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"X62/12","v":0},null,{"$f":"IF(M65=\"\",Z60,M65)","v":"Reducción Plazo"},{"$f":"Adm!B2","v":0},null,null,null,null,"TASA",{"$f":"Adm!J2","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"pago por mil",{"$f":"Adm!K2","v":0}]
[null,null,"CAT  Promedio ",null,{"$f":"CAT!C19","v":{"$error":"#NUM!"}},"Sin IVA Informativo",null,null,null,null,null,"Selecciona el efecto de los Pagos anticipados",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"INCREMENTO",{"$f":"Adm!O2","v":0}]
[null,null,{"$f":"CONCATENATE(\"Calculado al\",\" \",N4,\" \",\".Para fines informativos y de comparación.\")","v":"Calculado al 31 mar 2026 .Para fines informativos y de comparación."},null,null,null,null,null,null,null,"Su crédito se amortizará en ",{"$f":"INT(X63)","v":0},{"$f":"IF(L66>0,\"años\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Plazo",{"$f":"Adm!D2*12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"X62-(L66*12)","v":0},{"$f":"IF(L67>0,\"meses\",\"\")","v":""}]
[null,"Plazo remanente","Periodo","Tasa de Interés Anual Ordinaria","Intereses","Amortización","Pago de Crédito",{"$f":"IF(Adm!U3=\"no\",\"\",\"Seguro vida\")","v":"Seguro vida"},{"$f":"IF(Adm!U4=\"no\",\"\",\"Seguro daños\")","v":"Seguro daños"},"Administración autorización de crédito diferido","Pago Total","Saldo al Final del Periodo","Pagos Anticipados\nCaptura Monto",null,null,null,null,null,null,null,null,null,null,null,null,"Nueva Cuota","Cuota Congelados ","Capital Programados",null,null,"FACTOR","Mes","Intereses","Amortización","Pago Crédito","Saldo al final del periodo"]
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[null,{"$f":"IF(L368>0,B368-1,0)","v":0},0,0,0,0,0,{"$f":"IF(L368<0.01,0,IF($H$68=\"\",0,L368*Adm!$V$3))","v":0},{"$f":"IF(L368<0.01,0,IF($I$68=\"\",0,($G$28*0.7*Adm!$W$3)))","v":0},{"$f":"IF(L368<0.01,0,Adm!$AD$2*1.16)","v":0},{"$f":"IF(L368<0.01,0,(G369+H369+I369+J369))","v":0},{"$f":"IF(L368<0.01,0,(L368-F369-M369))","v":0},null,null,null,null,null,null,null,12,{"$f":"IF(T369=1,Adm!$O$2,0)","v":0},null,null,null,null,0,{"$f":"IF(M368<=0,0,IF($AA$63=$AA$60,0,IF($Z$63=$Z$61,PMT(Adm!$J$2/12,B368,-L368),0)))","v":0},0,null,null,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"}]
[]
[null,null,"TOTALES",null,{"$f":"SUM(E70:E369)","v":0},{"$f":"SUM(F70:F369)","v":0},0,0,0,0,0]
[]
[null,null,"ESTE DOCUMENTO NO ES UNA OFERTA VINCULANTE"]
[null,null,"Este documento es únicamente de carácter informativo y para fines ilustrativos por lo que no implica asunción de obligación ni compromiso por parte de Banco Santander México S.A. ni de Entidad alguna referida en el presente documento, integrante o no del Grupo Financiero Santander México. "]
[null,null,"Las condiciones del producto, criterios de elegibilidad, planes, importes de beneficios y políticas de crédito que se refieren en el simulador están sujetas a cambio sin previo aviso."]
[null,null,"La autorización del crédito es una facultad discrecional de Banco Santander México S.A. por lo que se reserva el derecho de otorgarla o negarla."]
[null,null,"Banco Santander México S.A. se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa en función de las características específicas del solicitante y del inmueble."]
[null,null,"Los productos hipotecarios son emitidos por Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México."]
[null,null,"Para conocer las características, Términos, Comisiones, Requisitos de Contratación, Tasa de Interés aplicable, Vigencia, Restricciones y Beneficios del producto, consulta www.santander.com.mx  Disponible en toda la República Mexicana"]
[null,null,"El cálculo en el Seguro de referencia es única y exclusivamente con fines informativos e ilustrativos. La calidad en la prestación de los servicios y responsabilidad en el otorgamiento de los mismos es responsabilidad directa de Zúrich Santander Seguros México S.A. y/o de la Aseguradora con la que contrate estos seguros."]
[null,null,"NOTAS"]
[null,null,"Los periodos para el cálculo de intereses se consideran de 30 días."]
[null,null,"Los gastos notariales son aproximados y dependerán de la localidad y del valor de la vivienda."]
[null,null,"1 El pago del estudio socioeconómico es por interviniente y no es reembolsable aún y cuando el crédito no llegara a formalizarse. Incluye el 16% del IVA. "]
[null,null,"2 El cálculo en el Seguro de Credito a la Vivienda es única y exclusivamente con fines informativos e ilustrativos, el monto final será determinado al momento de la firma del crédito. "]
[null,null,"3 Comisión más IVA"]
[null,null,"Versión 2026-1 Ro (18 marzo 2026)",null,null,null,null,null,null,null,null,null,null,"BHF-092 (032026)"]

{"sheet":"CAT","index":3,"n_rows":329,"n_cols":19,"rows_kept":329,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
[]
["CAT"]
[null,null,null,null,null,null,null,null,"Fecha ",{"$f":"TODAY()","v":"2026-03-31"}]
[null,"Nombre del Solicitante",null,{"$f":"Captura!E7","v":0},null,null,null,null,"Valor de la vivienda",{"$f":"Captura!G28","v":0}]
[null,"Atendido por",null,{"$f":"Captura!E9","v":0},null,null,null,null,"Suma asegurable",{"$f":"Captura!G28*0.7","v":0}]
[null,"Teléfono",null,{"$f":"Captura!K9","v":0},null,null,null,null,"Crédito total inicial",{"$f":"Captura!AF3","v":0}]
[null,null,null,null,null,null,null,null,"Tasa de interés",{"$f":"Adm!J2","v":{"$error":"#N/A"}}]
[null,"Tipo de tasa",{"$f":"IF(Adm!B2=1,Adm!B3,Adm!B4)","v":"Crecientes"},null,null,null,null,null,"Pago por mil inicial",{"$f":"Adm!K2","v":0}]
[null,"Gastos iniciales",null,null,null,null,null,null,"Plazo en años",{"$f":"Adm!D2","v":0}]
[null,null,null,null,null,null,null,null,"Número de Asegurados",{"$f":"Captura!G20","v":1}]
[null,"Avalúo",null,{"$f":"Adm!Y2","v":2000},null,null,null,null,"Ajuste anual",{"$f":"Adm!O2","v":0}]
[null,"Estudio",null,{"$f":"Captura!M44/1.16","v":0}]
[null,"Prima SCV (Seguro Crédito a la Vivienda)",null,{"$f":"Captura!M46","v":0}]
[null,"Comisión de apertura",null,{"$f":"J9*Adm!S2","v":0}]
[null,null,"TOTAL",{"$f":"SUM(D13:D17)","v":2000}]
[null,"CAT  ",{"$f":"S21","v":{"$error":"#NUM!"}},"Sin IVA",null,null,{"$f":"Captura!I371","v":0},{"$f":"Captura!J371","v":0},{"$f":"SUM(I25:I324)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"SUM(S25:S324)","v":0}]
[null,null,null,null,null,null,{"$f":"G25*(J12*12)","v":0},{"$f":"H25*(J12*12)","v":0}]
[null,{"$f":"SUM(B25:B324)","v":0},{"$f":"SUM(C25:C324)","v":0},0,0,0,{"$f":"G19-G20","v":0},{"$f":"H19-H20","v":0},{"$f":"SUM(I25:I324)+G21+H21","v":0},null,null,null,null,null,null,null,null,null,{"$f":"(1+IRR(S24:S324,0.01))^12-1","v":{"$error":"#NUM!"}}]
["Periodo","Intereses","Amortización","Pago crédito",{"$f":"IF(Adm!A2=2,\"Aportaciones Infonavit\",\"\")","v":""},"Seguro vida","Seguro daños","Comisión por Administración","Pago total","Saldo al final del periodo",null,null,null,"IVA",null,null,null,null,"flujos"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mes","Creci.pago"]
[0,null,null,null,null,null,null,null,null,{"$f":"J9","v":0},null,null,null,null,12,"P. Programados",null,null,{"$f":"-Captura!AF3+D18","v":2000}]
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[]
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[]
["NOTAS:"]
["1.- Los periodos se consideran de 30 días."]