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[null,null,null,null,null,{"$f":"IF(Calculos!$DH$3=TRUE,\"Asesor Hipotecario:\",\"Promotor:\")","v":"Promotor:"}]
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[null,null,null,null,null,"Teléfono Oficina:",null,null,null,null,null,null,null,null,"Celular:"]
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[null,null,null,null,null,"Correo Eletrónico:"]
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[null,null,null,null,null,"Última Actualización:","2025-10-24",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"PROPER(\"vigencia: \"&TEXT(G34,\"mmmm\")&\" \"&TEXT(G34,\"aaaa\"))","v":"Vigencia: Octubre 2025"}]

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[null,null,null,null,null,null,null,null,null,null,null,null,"Cálculo de Ingresos"]
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["Selecciona el tipo de ingreso con el que el cliente puede comprobar sus ingresos:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Calculos!$A$2=\"\",\"\",IF(OR(Calculos!$A$2=1,Calculos!$A$2=3),\"Se considerarán las percepciones constantes que especifiquen su monto. Podrían ser:\n-Sueldos Base\n-Séptimo Día\n-Despensa\n-Premio de Asistencia y Puntualidad\n-Vales de Gasolina y Alimentos\",\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Calculos!$A$2=\"\",\"\",IF(OR(Calculos!$A$2=1,Calculos!$A$2=3),\"Percepciones No Válidas:\n- Pensiones Alimenticias\n- Aguinaldo\n- Prima Vacacional\n- Ayuda Lactancia\n- Fondo de Ahorro\n- Viáticos\n- Otros Pagos Extraordinarios Anuales\",\"\"))","v":""}]
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[null,{"$f":"IFERROR(IF(Calculos!$A$2=3,\"Documentación requerida como Asalariado:\",\"Documentación requerida:\"),\"\")","v":"Documentación requerida:"}]
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[null,{"$f":"IFERROR(IF(HLOOKUP(ABS(CONCATENATE(Calculos!$A$3,Calculos!$B$2,Calculos!$D$2)),Calculos!$B$99:$AB$104,Calculos!$A$104,FALSE)=\"\",\"\",HLOOKUP(ABS(CONCATENATE(Calculos!$A$3,Calculos!$B$2,Calculos!$D$2)),Calculos!$B$99:$AB$104,Calculos!$A$104,FALSE)),\"\")","v":""}]
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[null,"Considera los siguientes puntos para la comprobación de tu cliente. Estos puntos son INFORMACION CONFIDENCIAL solo utilizalos para un mejor perfilamiento de tu cliente con respecto a los documentos que debe presentar:"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(AG40=\"\",\"\",4)","v":""},null,null,null,null,null,null,null,{"$f":"IF(Calculos!G2=TRUE,IFERROR(IF($AF$20=\"\",\"\",IF(OR(AND($AU$45<>\"\",$AU$47>=45000),AND($AU$45=\"\",$AU$47>=45000)),\"\",\"No cumple con el ingreso mensual mínimo requerido, revise el ingreso fijo o ingrese Comprobación Adicional\")),\"\"),IF(Calculos!G6=TRUE,IFERROR(IF($AF$20=\"\",\"\",IF(OR(AND($AU$45<>\"\",$AU$47>=15000),AND($AU$45=\"\",$AU$47>=45000)),\"\",\"No cumple con el ingreso mensual mínimo requerido, revise el ingreso fijo o ingrese Comprobación Adicional\")),\"\"),IFERROR(IF($AF$20=\"\",\"\",IF(OR(AND($AU$45<>\"\",$AU$45+$AU$47>=20000),AND($AU$45<>\"\",$AU$45>=15000),AND($AU$45=\"\",$AU$47>=15000)),\"\",\"No cumple con el ingreso mensual mínimo requerido\")),\"\")))","v":""}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(AG40=\"\",\"\",IF(AL46=\"\",\"\",6))","v":""},null,null,null,null,null,null,{"$f":"+IF(AG40=\"\",\"\",IF(Calculos!$C$2=6,\"\",1))","v":""},null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF($AF$20=\"\",\"\",IF(Calculos!$A$3=1,VLOOKUP(Calculos!$F$2,Calculos!$A$35:$E$38,5,FALSE)+SUM($AM$35,$AT$35,BA35)+Calculos!$AC$36,Calculos!$AC$36)+IF(AND(Calculos!$A$2=3,Calculos!$P$2=3),0,BA47)),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($AF$20=\"\",\"\",IF(AU45=\"\",\"1er Participante:\",\"2do Participante:\"))","v":""},{"$f":"IFERROR(IF(Calculos!G2=TRUE,IFERROR(IF(OR($AF$35=0,$AF$35=\"\"),\"\",IF(OR(Calculos!$A$3=1,Calculos!$A$3=3),VLOOKUP(Calculos!$F$2,Calculos!$A$35:$E$38,5,FALSE)+SUM($AM$35,$AT$35,$BA$35)+Calculos!$AC$35,Calculos!$AC$35)*AO16*0.774+IF(AND(Calculos!$A$25=3,Calculos!$P$2=3),0,BA47)),\"\"),IFERROR(IF(OR($AF$35=0,$AF$35=\"\"),\"\",IF(OR(Calculos!$A$3=1,Calculos!$A$3=3),VLOOKUP(Calculos!$F$2,Calculos!$A$35:$E$38,5,FALSE)+SUM($AM$35,$AT$35,$BA$35)+Calculos!$AC$35,Calculos!$AC$35)+IF(AND(Calculos!$A$25=3,Calculos!$P$2=3),0,BA47)),\"\")),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF($AG$40=\"\",\"\",\"Total:\")","v":""},{"$f":"IF(AG40=\"\",\"\",IF(Calculos!$A$2=3,Calculos!$AD$35,\"\"))","v":""},null,null,null,null,{"$f":"IF(AR31=\"\",\"\",IF(Calculos!A2=3,Calculos!AC36,\"\"))","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ingreso Mensual Total:",{"$f":"IF(OR(AF35=\"\",AF35=0),\"\",IF(AM44=\"\",IF(Calculos!G2=TRUE,SUM(AU45,AU47),SUM(AU45,AU47)),\"\"))","v":""}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Elige el destino que deseas simular con este ingreso:"]
[]
[]
[null,{"$f":"IFERROR(IF(Calculos!$A$2=3,\"2a Comprobación\",\"\"),\"\")","v":""}]
[]
[null,{"$f":"IFERROR(IF(Calculos!A2=3,\"Documentación requerida como Independiente:\",\"\"),\"\")","v":""}]
[]
[null,{"$f":"IF($B$57=\"\",\"\",HLOOKUP(ABS(CONCATENATE(Calculos!$A$4,Calculos!C2,Calculos!E2)),Calculos!$B$99:$R$104,Calculos!A100,FALSE))","v":""}]
[]
[]
[null,{"$f":"IF($B$57=\"\",\"\",HLOOKUP(ABS(CONCATENATE(Calculos!$A$4,Calculos!B2,Calculos!D2)),Calculos!$B$99:$R$104,Calculos!A101,FALSE))","v":""}]
[]
[]
[null,{"$f":"IF($B$57=\"\",\"\",HLOOKUP(ABS(CONCATENATE(Calculos!$A$4,Calculos!B2,Calculos!D2)),Calculos!$B$99:$R$104,Calculos!A102,FALSE))","v":""}]
[]
[]
[null,{"$f":"IF($B$57=\"\",\"\",HLOOKUP(ABS(CONCATENATE(Calculos!$A$4,Calculos!B2,Calculos!D2)),Calculos!$B$99:$R$104,Calculos!A103,FALSE))","v":""}]
[]
[]
[null,{"$f":"IF($B$57=\"\",\"\",HLOOKUP(ABS(CONCATENATE(Calculos!$A$4,Calculos!B2,Calculos!D2)),Calculos!$B$99:$R$104,Calculos!A104,FALSE))","v":""}]
[]
[]
[]
[null,{"$f":"IF($B$57=\"\",\"\",\"Considera los siguientes puntos para la comprobación de tu cliente. Estos puntos son información confidencial, sólo utilizalos para un mejor perfilamiento de tu cliente con respecto a los documentos que debe presentar:\")","v":""}]
[]
[]
[]
[null,{"$f":"IF($B$57=\"\",\"\",HLOOKUP(ABS(CONCATENATE(Calculos!$A$4,Calculos!B2,Calculos!D2)),Calculos!$B$99:$R$106,8,FALSE))","v":""}]

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["Comprobante de Ingresos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cambia Tu Hipoteca",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ADQUISICION",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VALIDACION ASESOR HIPOTECARIO O PROMOTOR",null,null,null,null,null,null,null,null,"Liquidez",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cambia Tu Hipoteca más Liquidez"]
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[{"$f":"IF(A2=3,1,IF(A2=4,3,A2))","v":0},null,null,{"$f":"ABS(CONCATENATE(A2,B2,D2))","v":11},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"POLITICAS","AÑOS","MESES",null,null,"CTH","MUY BAJO","BAJO","MEDIO","ALTO",null,"MERCADO ABIERTO","AFORO MIN","AFORO MAX","TASA",null,null,"VALOR MIN","VALOR MAX","COSTO CIVA","COSTO SIVA","OFE VALOR CIVA","OFE VALOR SIVA",null,null,null,null,null,null,"< 8MM","8 - 14 MM",">14MM",null,null,null,null,null,null,null,null,{"$f":"FACTORDAÑOS","v":2.9999999999999997E-4},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AND(LEN(DG3)=7,ISERROR(VALUE(MID(DG3,1,1))),ISERROR(VALUE(MID(DG3,2,1))),ISERROR(VALUE(MID(DG3,3,5)))=FALSE)=TRUE","v":false},null,null,"Producto solicitado",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"POLITICAS","AÑOS","MESES",null,null,"CTH","MUY BAJO","BAJO","MEDIO","ALTO",null,"MERCADO ABIERTO","AFORO MIN","AFORO MAX","TASA",null,null,"VALOR MIN","VALOR MAX","COSTO CIVA","COSTO SIVA","OFE VALOR CIVA","OFE VALOR SIVA",null,null,null,null,null,null,"< 8MM","8 - 14 MM",">14MM"]
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[null,null,null,null,null,null,null,null,null,null,null,null,15,{"$f":"IFERROR(IF(AND($A$2>1,$A$2<4),INDEX($AL$35:$AL$72,MATCH(IF($A$2=2,$B$2,$C$2)&0,$AK$35:$AK$72&INDEX(COUNTIF($N$5:N19,$AL$35:$AL$72),0,0),0)),\"\"),\"\")","v":""},"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"EXTRAPRIMA OCUPACIONAL",6.0400000000000004E-4,null,null,null,null,null,null,null,null,null,null,1,{"$f":"VLOOKUP(BI20,$AV$30:$BF$39,11,0)*12","v":240},{"$f":"ROUNDUP(PMT($AX$68/12,BJ20,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR(AZ28=1,AZ28=2),AX60*(IF(AZ28<3,IF(AX41>64,EXTRAPRIMAEDAD,IF(BB28=1,FACTORVIDA,IF(BB28=2,EXTRAPRIMAMEDICA,IF(BB28=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR(AZ28=1,AZ28=3),MAX(AX42*0.8*AX17,AX60*AX17),0)","v":{"$error":"#VALUE!"}},{"$f":"$AX$60*BK20/1000+BL20","v":{"$error":"#VALUE!"}},{"$f":"PMT($AX$68/12,BJ20,-$AX$60)+BL20","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"FACTOR SEG DAÑOS",{"$f":"$AX$17","v":2.9999999999999997E-4},null,null,null,null,"WARNINGS","     //     ",null,null,null,null,null,null,14,7.4999999999999997E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"FACTOR SEG DAÑOS",{"$f":"$AX$17","v":2.9999999999999997E-4},null,null,null,"WARNINGS","     //     ",null,null,null,null,null,null,14,7.4999999999999997E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"EXTRAPRIMA OCUPACIONAL",{"$f":"EXTRAPRIMAOCUPACIONAL","v":6.0400000000000004E-4},null,null,null,null,null,null,null,null,null,null,1,{"$f":"VLOOKUP(FG20,$AV$30:$BF$39,11,0)*12","v":240},{"$f":"ROUNDUP(PMT(#REF!/12,FH20,-1000),2)","v":{"$error":"#REF!"}},{"$f":"IF(EZ60=\"NO\",IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)),IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)))+IF(EZ60=\"NO\",IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0),IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0))","v":{"$error":"#REF!"}},{"$f":"#REF!*FI20/1000+FJ20","v":{"$error":"#REF!"}},{"$f":"PMT(#REF!/12,FH20,-#REF!)+FJ20","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,16,{"$f":"IFERROR(IF(AND($A$2>1,$A$2<4),INDEX($AL$35:$AL$72,MATCH(IF($A$2=2,$B$2,$C$2)&0,$AK$35:$AK$72&INDEX(COUNTIF($N$5:N20,$AL$35:$AL$72),0,0),0)),\"\"),\"\")","v":""},"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,{"$f":"VLOOKUP(BI21,$AV$30:$BF$39,11,0)*12","v":180},{"$f":"ROUNDUP(PMT($AX$68/12,BJ21,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR(AZ28=1,AZ28=2),AX60*(IF(AZ28<3,IF(AX41>64,EXTRAPRIMAEDAD,IF(BB28=1,FACTORVIDA,IF(BB28=2,EXTRAPRIMAMEDICA,IF(BB28=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR(AZ28=1,AZ28=3),MAX(AX42*0.8*AX17,AX60*AX17),0)","v":{"$error":"#VALUE!"}},{"$f":"$AX$60*BK21/1000+BL21","v":{"$error":"#VALUE!"}},{"$f":"PMT($AX$68/12,BJ21,-$AX$60)+BL21","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"INCREMENTO ATM",0.02,null,null,null,null,"PF","ATM",null,null,null,null,null,null,15,0.08,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"INCREMENTO ATM",0.02,null,null,null,"PF","ATM",null,null,null,null,null,null,15,0.08,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CREDITO MINIMO LIQUIDEZ",{"$f":"MAX(50000,EV57*0.05)","v":50000},null,"Aforos","Refinance",null,"Cash Out",null,"Total",null,"Nivel de riesgo ",{"$f":"IF(EW28=1,FB16,IF(EW28=2,FB17,IF(EW28=3,FB18)))","v":0.8},2,{"$f":"VLOOKUP(FG21,$AV$30:$BF$39,11,0)*12","v":180},{"$f":"ROUNDUP(PMT(#REF!/12,FH21,-1000),2)","v":{"$error":"#REF!"}},{"$f":"IF(EZ60=\"NO\",IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)),IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)))+IF(EZ60=\"NO\",IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0),IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0))","v":{"$error":"#REF!"}},{"$f":"#REF!*FI21/1000+FJ21","v":{"$error":"#REF!"}},{"$f":"PMT(#REF!/12,FH21,-#REF!)+FJ21","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,17,{"$f":"IFERROR(IF(AND($A$2>1,$A$2<4),INDEX($AL$35:$AL$72,MATCH(IF($A$2=2,$B$2,$C$2)&0,$AK$35:$AK$72&INDEX(COUNTIF($N$5:N21,$AL$35:$AL$72),0,0),0)),\"\"),\"\")","v":""},"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,{"$f":"VLOOKUP(BI22,$AV$30:$BF$39,11,0)*12","v":120},{"$f":"ROUNDUP(PMT($AX$68/12,BJ22,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR(AZ28=1,AZ28=2),AX60*(IF(AZ28<3,IF(AX41>64,EXTRAPRIMAEDAD,IF(BB28=1,FACTORVIDA,IF(BB28=2,EXTRAPRIMAMEDICA,IF(BB28=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR(AZ28=1,AZ28=3),MAX(AX42*0.8*AX17,AX60*AX17),0)","v":{"$error":"#VALUE!"}},{"$f":"$AX$60*BK22/1000+BL22","v":{"$error":"#VALUE!"}},{"$f":"PMT($AX$68/12,BJ22,-$AX$60)+BL22","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prelación de tablas de abajo",null,null,null,null,null,{"$f":"COUNTBLANK(CO24:CO44)","v":20},{"$f":"COUNTBLANK(CP24:CP44)","v":21},null,null,null,null,null,null,16,8.5000000000000006E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prelación de tablas de abajo",null,null,null,null,{"$f":"COUNTBLANK(DV24:DV38)+COUNTBLANK(DV40:DV66)","v":42},{"$f":"COUNTBLANK(DW24:DW38)+COUNTBLANK(DW40:DW66)","v":42},null,null,null,null,null,null,16,8.5000000000000006E-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,null,null,3,{"$f":"VLOOKUP(FG22,$AV$30:$BF$39,11,0)*12","v":120},{"$f":"ROUNDUP(PMT(#REF!/12,FH22,-1000),2)","v":{"$error":"#REF!"}},{"$f":"IF(EZ60=\"NO\",IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)),IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)))+IF(EZ60=\"NO\",IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0),IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0))","v":{"$error":"#REF!"}},{"$f":"#REF!*FI22/1000+FJ22","v":{"$error":"#REF!"}},{"$f":"PMT(#REF!/12,FH22,-#REF!)+FJ22","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,18,{"$f":"IFERROR(IF(AND($A$2>1,$A$2<4),INDEX($AL$35:$AL$72,MATCH(IF($A$2=2,$B$2,$C$2)&0,$AK$35:$AK$72&INDEX(COUNTIF($N$5:N22,$AL$35:$AL$72),0,0),0)),\"\"),\"\")","v":""},"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PF",null,"ATM",null,null,{"$f":"IF(CO22<21,\"Para Hipoteca Perfiles Banamex: \",\"\")","v":"Para Hipoteca Perfiles Banamex: "},{"$f":"IF(CP22<21,\"Para La Hipoteca a tu Medida: \",\"\")","v":""},null,null,null,null,null,null,17,0.09,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(DV22<42,DV39<>\"\"),\"Para Hipoteca de Liquidez: \",\"\")","v":"Para Hipoteca de Liquidez: "},null,null,null,null,null,null,null,17,0.09,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.5,{"$f":"IF(OR(EU28=1,EW28>2),0.7,0.8)","v":0.8},0,0.2,0.7,{"$f":"IF(EU28=1,70%,80%)","v":0.8}]
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[null,null,null,null,null,null,null,null,null,null,null,null,20,{"$f":"IFERROR(IF(AND($A$2>1,$A$2<4),INDEX($AL$35:$AL$72,MATCH(IF($A$2=2,$B$2,$C$2)&0,$AK$35:$AK$72&INDEX(COUNTIF($N$5:N24,$AL$35:$AL$72),0,0),0)),\"\"),\"\")","v":""},"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"VLOOKUP(BI25,$AV$30:$BF$39,11,0)*12","v":240},{"$f":"ROUNDUP(PMT($AZ$68/12,BJ25,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR(AZ28=1,AZ28=2),AX60*(IF(AZ28<3,IF(AX41>64,EXTRAPRIMAEDAD,IF(BB28=1,FACTORVIDA,IF(BB28=2,EXTRAPRIMAMEDICA,IF(BB28=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR(AZ28=1,AZ28=3),MAX(AX42*0.8*AX17,AX60*AX17),0)","v":{"$error":"#VALUE!"}},{"$f":"$AX$60*BK25/1000+BL25","v":{"$error":"#VALUE!"}},{"$f":"PMT($AZ$68/12,BJ25,-$AX$60)+BL25","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"EDAD",null,{"$f":"EDADCLIENTE","v":0},{"$f":"EDADCLIENTE","v":0},null,null,{"$f":"IF(CK26=0,\"\",IF(AND($CR$5=1,$CK$26<=10000000),IF($CK$25<CJ7,\"La edad mínima es de \"&CJ7&\" años.\"&CP20,\"\"),IF(AND(CR5=2,$CK$26<=10000000),IF($CK$25<$CJ$8,\"La edad mínima es de \"&CJ8&\" años.\"&CP20,\"\"),IF(CK26>10000000,IF($CK$25<$CJ$9,\"La edad mínima es de \"&CJ9&\" años para viviendas con valor de mas de $ 10,000,000.00.\"&CP20,\"\")))))","v":""},null,"EDAD MINIMA",null,null,null,null,null,19,0.1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"EDAD",null,{"$f":"EDADCLIENTE_Liq","v":0},null,null,{"$f":"IF(DS25=0,\"\",IF($DS$25<DR7,\"La edad mínima es de \"&DR7&\" años.\"&DW20,\"\"))","v":""},null,"EDAD MINIMA",null,null,null,null,null,19,0.1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.15,0.3,0.3,0.35,0.5,0.6,null,null,1,{"$f":"VLOOKUP(FG25,$AV$30:$BF$39,11,0)*12","v":240},{"$f":"ROUNDUP(PMT(#REF!/12,FH25,-1000),2)","v":{"$error":"#REF!"}},{"$f":"IF(EZ60=\"NO\",IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)),IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)))+IF(EZ60=\"NO\",IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0),IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0))","v":{"$error":"#REF!"}},{"$f":"#REF!*FI25/1000+FJ25","v":{"$error":"#REF!"}},{"$f":"PMT(#REF!/12,FH25,-#REF!)+FJ25","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,{"$f":"VLOOKUP(BI26,$AV$30:$BF$39,11,0)*12","v":180},{"$f":"ROUNDUP(PMT($AZ$68/12,BJ26,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR(AZ28=1,AZ28=2),AX60*(IF(AZ28<3,IF(AX41>64,EXTRAPRIMAEDAD,IF(BB28=1,FACTORVIDA,IF(BB28=2,EXTRAPRIMAMEDICA,IF(BB28=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR(AZ28=1,AZ28=3),MAX(AX42*0.8*AX17,AX60*AX17),0)","v":{"$error":"#VALUE!"}},{"$f":"$AX$60*BK26/1000+BL26","v":{"$error":"#VALUE!"}},{"$f":"PMT($AZ$68/12,BJ26,-$AX$60)+BL26","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VALOR DE VIVIENDA",null,{"$f":"VVIVIENDA","v":0},{"$f":"VVIVIENDA","v":0},null,null,{"$f":"IF(CK26<=0,\"\",IF($DC$5=1,IF($CK$26>=$CJ$17,\"\",\"El valor mínimo de la vivienda es de \"&TEXT(CJ17,\"$ 0,0.00\")&CP20),IF($CK$26>=$CJ$18,\"\",\"El valor mínimo de la vivienda es de \"&TEXT(CJ18,\"$ 0,0.00\")&CP20)))","v":""},null,"VALOR MINIMO VIVIENDA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"VALOR DE VIVIENDA",null,{"$f":"VVIVIENDA_Liq","v":0},null,null,{"$f":"IF(DS26<=0,\"\",IF($EJ$5=1,IF($DS$26>=$DR$17,\"\",\"El valor mínimo de la vivienda es de \"&TEXT(DR17,\"$ 0,0.00\")&DW20),IF($DS$26>=$DR$18,\"\",\"El valor mínimo de la vivienda es de \"&TEXT(DR18,\"$ 0,0.00\")&DW20)))","v":""},null,"VALOR MINIMO VIVIENDA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0.15,0.35,0.4,0,0.5,null,null,2,{"$f":"VLOOKUP(FG26,$AV$30:$BF$39,11,0)*12","v":180},{"$f":"ROUNDUP(PMT(#REF!/12,FH26,-1000),2)","v":{"$error":"#REF!"}},{"$f":"IF(EZ60=\"NO\",IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)),IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)))+IF(EZ60=\"NO\",IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0),IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0))","v":{"$error":"#REF!"}},{"$f":"#REF!*FI26/1000+FJ26","v":{"$error":"#REF!"}},{"$f":"PMT(#REF!/12,FH26,-#REF!)+FJ26","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,{"$f":"VLOOKUP(BI27,$AV$30:$BF$39,11,0)*12","v":120},{"$f":"ROUNDUP(PMT($AZ$68/12,BJ27,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR(AZ28=1,AZ28=2),AX60*(IF(AZ28<3,IF(AX41>64,EXTRAPRIMAEDAD,IF(BB28=1,FACTORVIDA,IF(BB28=2,EXTRAPRIMAMEDICA,IF(BB28=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR(AZ28=1,AZ28=3),MAX(AX42*0.8*AX17,AX60*AX17),0)","v":{"$error":"#VALUE!"}},{"$f":"$AX$60*BK27/1000+BL27","v":{"$error":"#VALUE!"}},{"$f":"PMT($AZ$68/12,BJ27,-$AX$60)+BL27","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MON SOLICITADO/ENGA",null,{"$f":"MONSOLIENGAN","v":0},{"$f":"MONSOLIENGAN","v":0},null,null,{"$f":"IF(CK27<=0,\"\",IF(AND($CP$5=2,MONSOLIENGAN<300000),\"\",IF($CK$27<$CJ$15,\"El monto mínimo de crédito es de \"&TEXT(CJ15,\"$ 0,0.00\")&CP20,\"\")))","v":""},null,"MONTO MINIMO DE CREDITO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MON SOLICITADO/ENGA",null,{"$f":"MONSOLIENGAN_Liq","v":0},null,null,{"$f":"IF(DS27<=0,\"\",IF(AND($DW$5=2,MONSOLIENGAN<300000),\"\",IF($DS$27<$DR$15,\"El monto mínimo de crédito es de \"&TEXT(DR15,\"$ 0,0.00\")&DW20,\"\")))","v":""},null,"MONTO MINIMO DE CREDITO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,{"$f":"VLOOKUP(FG27,$AV$30:$BF$39,11,0)*12","v":120},{"$f":"ROUNDUP(PMT(#REF!/12,FH27,-1000),2)","v":{"$error":"#REF!"}},{"$f":"IF(EZ60=\"NO\",IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)),IF(EV41>=65,#REF!*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,#REF!*FACTORVIDA,IF(EZ28=2,#REF!*EXTRAPRIMAMEDICA,#REF!*EXTRAPRIMAOCUPACIONAL)),0)))+IF(EZ60=\"NO\",IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0),IF(OR(EX28=1,EX28=3),MAX(EV42*0.8*EV17,#REF!*EV17),0))","v":{"$error":"#REF!"}},{"$f":"#REF!*FI27/1000+FJ27","v":{"$error":"#REF!"}},{"$f":"PMT(#REF!/12,FH27,-#REF!)+FJ27","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,1,1,1,1,1,1,2,2,1,9,1,1,2,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"INGRESO MENSUAL",null,{"$f":"INGRESOMENSUAL","v":0},{"$f":"INGRESOMENSUAL","v":0},null,null,{"$f":"IF(CK28<=0,\"\",IF($CK$28<$CJ$14,\"El ingreso mínimo a comprobar es de \"&TEXT(CJ14,\"$ 0,0.00\")&CP20,\"\"))","v":""},null,"INGRESO MINIMO A COMPROBAR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"INGRESO MENSUAL",null,{"$f":"INGRESOMENSUAL_Liq","v":0},null,null,{"$f":"IF(DS28<=0,\"\",IF($DS$28<$DR$14,\"El ingreso mínimo a comprobar es de \"&TEXT(DR14,\"$ 0,0.00\")&DW20,\"\"))","v":""},null,"INGRESO MINIMO A COMPROBAR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,1,1,1,1,1,1,1,2,1,9,1,1,1,1]
[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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SEGMENTO","INGRESO","RIESGO","SEGUROS BANAMEX","OPC SEGURO","EXTRAPRIMA","OPC MENSUALIDAD","DEUDAS","GASTOS","PLAZO","GASTOS NOTA","PLAZA","Inversión 1MM","Apoyo infonavit","Cliente nómina Banamex",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(CK25>CJ10,\"La edad máxima es de \"&CJ10&\" años 11 meses para Hipoteca Perfiles\"&CP20,\"\")","v":""},null,"EDAD MAXIMA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Factor",null,null,null,null,null,{"$f":"IF(DS25>DR10,\"La edad máxima es de \"&DR10&\" años 11 meses para Hipoteca de Liquidez\"&DW20,\"\")","v":""},null,"EDAD MAXIMA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SEGMENTO","INGRESO","RIESGO","SEGUROS Banamex","OPC SEGURO","EXTRAPRIMA","OPC MENSUALIDAD","DEUDAS","GASTOS","PLAZO","GASTOS NOTA","PLAZA","Inversión 1MM","Tu Hipoteca sin Comisión","Cliente nómina Banamex"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,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,{"$f":"IF(BK28=2,\"No Cliente\",\"\")","v":""},"Asalariado","Muy Bajo","Vida y Daños","Saldo Insoluto","Sin Extraprima","Mensualidad Propuesta","Saldos Totales","Financiados",20,0,"MacroPlaza (CDMX, GDL, MTY)","Si","Si","Si",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.04,"DEUDAS CA",{"$f":"ADQUISICION!$AH$15","v":0},{"$f":"IF($DA$5=2,CJ30,CJ30*CH30)","v":0},{"$f":"IF($DA$5=2,CJ30,CJ30*CH30)","v":0},null,null,{"$f":"IF(CK25+VLOOKUP($CV$5,$CN$7:$CV$9,9,0)>CJ11,\"La edad máxima + plazo es de \"&CJ11&\" años 11 meses. \"&CP20,\"\")","v":""},null,"EDAD MAXIMA + PLAZO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.04,"DEUDAS CA",{"$f":"Liquidez!$AH$15","v":0},{"$f":"IF($EH$5=2,DR30,DR30*DP30)","v":0},null,null,{"$f":"IF(DS25+VLOOKUP($EC$5,$DU$7:$EC$9,9,0)>DR11,\"La edad máxima + plazo es de \"&DR11&\" años 11 meses. \"&DW20,\"\")","v":""},null,"EDAD MAXIMA + PLAZO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(FI28=2,\"No Cliente\",\"\")","v":""},"Asalariado","Muy Bajo","Vida y Daños","Saldo Insoluto","Sin Extraprima","Mensualidad Propuesta","Saldos Totales","Financiados",20,0.01,"MacroPlaza (CDMX, GDL, MTY)","Si","Si","Si"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,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,{"$f":"IF(BK28=1,\"\",\"Blue\")","v":""},"Independiente","Bajo","Solo Vida","Monto Original","Medica","Mantener Mensualidad","Pagos Mensuales","Contado",15,0.01,"Resto de la República","No","No","No",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.01,"DEUDAS CH",{"$f":"ADQUISICION!$AH$17","v":0},{"$f":"IF($DA$5=2,CJ31,CJ31*CH31)","v":0},{"$f":"IF($DA$5=2,CJ31,CJ31*CH31)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.01,"DEUDAS CH",{"$f":"Liquidez!$AH$17","v":0},{"$f":"IF($EH$5=2,DR31,DR31*DP31)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,{"$f":"IF(FI28=1,\"\",\"Blue\")","v":""},"Independiente","Bajo","Solo Vida","Monto Original","Medica","Mantener Mensualidad","Pagos Mensuales","Contado",15,1.4999999999999999E-2,"Resto de la República","No","No","No"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,{"$f":"IF(BK28=2,\"Cliente Priority\",\"Cliente Priority o Nómina\")","v":"Cliente Priority o Nómina"},null,"Medio","Solo Daños",null,"Ocupacional",null,null,"Gratis",10,1.4999999999999999E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.05,"DEUDAS CP",{"$f":"ADQUISICION!$AH$19","v":0},{"$f":"IF($DA$5=2,CJ32,CJ32*CH32)","v":0},{"$f":"IF($DA$5=2,CJ32,CJ32*CH32)","v":0},null,null,{"$f":"IFERROR(IF(OR(CH81+CK46<=CH84,CK60>CK28),IF(OR(IFERROR($CH$81,\"\")=\"\",IFERROR($CH$82,\"\")=\"\",IFERROR($CH$85,\"\")=\"\"),\"\",IF(CI85=\"NO\",IF($CJ$89=TRUE,\"Su línea de crédito está topada por su capacidad de pago a \"&TEXT(CH85,\"$ 0,0.00\")&\", recalcula sus ingresos, ajusta el enganche o monto solicitado. \"&CP20,\"\"),IF($CJ$119=TRUE,\"Su línea de crédito está topada por su capacidad de pago a \"&TEXT(CH115,\"$ 0,0.00\")&\", recalcula sus ingresos, ajusta el enganche o monto solicitado. \"&CP20,\"\"))),\"\"),\"\")","v":""},null,"LINEA TOPE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.05,"DEUDAS CP",{"$f":"Liquidez!$AH$19","v":0},{"$f":"IF($EH$5=2,DR32,DR32*DP32)","v":0},null,null,{"$f":"IFERROR(IF(DR47<DR48,\"Su línea de crédito está topada por su capacidad de pago a \"&TEXT(DR72,\"$ 0,0.00\")&\", recalcula sus ingresos, ajusta monto solicitado. \"&DW20,\"\"),\"\")","v":""},null,"LINEA TOPE",null,{"$f":"\"Su línea de crédito está topada por su capacidad de pago a \"&TEXT(DR72,\"$ 0,0.00\")&\", recalcula sus ingresos, ajusta el enganche o monto solicitado. \"&\"DW20\"","v":"Su línea de crédito está topada por su capacidad de pago a , recalcula sus ingresos, ajusta el enganche o monto solicitado. DW20"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,{"$f":"IF(FI28=2,\"Cliente Priority\",\"Cliente Priority o Nómina\")","v":"Cliente Priority o Nómina"},null,"Medio","Solo Daños",null,"Ocupacional",null,null,"Gratis",10,0.02]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,"Cliente Gold",null,"Marginal","Externos",null,null,null,null,null,null,0.02,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7.0000000000000007E-2,"DEUDAS TDC",{"$f":"ADQUISICION!$AH$21","v":0},{"$f":"CJ33*CH33","v":0},{"$f":"CJ33*CH33","v":0},null,null,{"$f":"IF(IFERROR(CH85,\"\")=\"\",\"\",IF(CH85>$CJ$16,\"Deberás incluir una Excepción para un crédito mayor de \"&TEXT(CJ16,\"$0,0.00\")&CP20,\"\"))","v":""},null,"CREDITO MAXIMO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7.0000000000000007E-2,"DEUDAS TDC",{"$f":"Liquidez!$AH$21","v":0},{"$f":"DR33*DP33","v":0},null,null,{"$f":"IF(IFERROR(DR72,\"\")=\"\",\"\",IF(DR72>$DR$16,\"Deberás incluir una Excepción para un crédito mayor de \"&TEXT(DR16,\"$0,0.00\")&DW20,\"\"))","v":""},null,"CREDITO MAXIMO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,"Cliente Gold",null,"Marginal","Externos",null,null,null,null,null,null,2.5000000000000001E-2,null,"Liquidez"]
["Sueldo Base",null,null,null,null,null,null,null,"Asala USA",null,null,null,null,"Horas Extras",null,null,null,null,"Bonos",null,null,null,null,null,null,null,"Independiente",null,null,null,null,null,null,null,null,null,"Actividad Profesional",null,null,null,null,null,null,null,null,null,null,5,"Oferta De Valor",null,null,null,null,null,null,null,null,null,2.5000000000000001E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL_DEUDAS",null,{"$f":"SUM(CK30:CK33)","v":0},{"$f":"SUM(CL30:CL33)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL_DEUDAS",null,{"$f":"SUM(DS30:DS33)","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,5,null,null,null,null,null,null,null,null,null,null,0.03,null,null,"PLAZO","PPM","SEGUROS","MENSUALIDAD","MENSUALIDAD BASE FORMULA"]
[1,{"$f":"IF($A$2=\"\",\"\",\"Mensual\")","v":""},"Copia del Último Recibo","Copia de los 6 Últimos Recibos",{"$f":"IF($A$3=1,CompIngresos!AF22,IF($A$3=3,CompIngresos!AF22,0))","v":0},null,null,null,"OPCIÓN 1:\n– Carta Laboral\n– Recibo del último mes para ingresos fijos y seis meses para variables.",null,null,null,null,"-",null,null,null,null,1,{"$f":"IF($I$3=FALSE,\"\",\"Mensual\")","v":""},"Copias de los últimos 6 Recibos",6,{"$f":"(SUM(CompIngresos!BA22:BE27)/6)","v":0},null,null,null,1,{"$f":"IF($A$2>1,IF(OR(AND($A$2=2,$B$2=6),AND($A$2=3,$E$2=6)),\"4 Meses\",\"6 Meses\"),\"\")","v":""},{"$f":"IFERROR(IF($A$2=2,IF(AND($B$2=6,$D$2=1),((SUM(CompIngresos!$AF$22:$AJ$25)/4)*VLOOKUP(M2,$M$6:$O$25,3,FALSE))/12,IF(AND($B$2=6,$D$2=2),((SUM(CompIngresos!$AF$22:$AJ$27)/6)*VLOOKUP(M2,$M$6:$O$25,3,FALSE))/12,IF(AND(Q2=\"\",P2=\"\",SUM(CompIngresos!$AE$22:$AE$27)>2),0,SUM(CompIngresos!$AF$22:$AJ$27)/6*VLOOKUP(M2,$M$6:$O$25,3,FALSE)))),IF(E105=6,((SUM(CompIngresos!$AG$41:$AK$44)/4)*VLOOKUP(M2,$M$6:$O$25,3,FALSE))/12,SUM(CompIngresos!AG41:AK46)/6*VLOOKUP(M2,$M$6:$O$25,3,FALSE))),0)","v":0},{"$f":"IF(AND($Q$2=\"\",$P$2=\"\",$A$2=2,SUM(CompIngresos!$AE$22:$AE$27)>2),\"No cumple con ingresos mínimos en 2 meses consecutivos\",IF(OR(AND($A$2=2,$B$2=5,CompIngresos!$AY$41<0.5),AND($A$2=3,E105=5,CompIngresos!$AY$41<0.5)),\"El porcentaje accionario necesitará una Excepción\",\"\"))","v":""},null,null,null,null,null,null,1,"Abogado",0.8,1,null,null,null,null,null,null,null,6,null,null,null,null,null,null,null,null,null,null,0.03,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IND","CREDITO INSTITUTO",null,{"$f":"CREDITOINSTITUTOIND","v":0},{"$f":"CREDITOINSTITUTOIND","v":0},null,null,null,null,"COFINANCIADOS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CREDITO PERF",{"$f":"DR72","v":""},null,null,null,null,null,"COFINANCIADOS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,null,null,null,null,null,null,null,null,null,null,3.5000000000000003E-2,null,1,{"$f":"VLOOKUP(FG35,$AV$30:$BF$39,11,0)*12","v":240},{"$f":"ROUNDUP(PMT($FA$68/12,FH35,-1000),2)","v":4.17},{"$f":"IF(EV41>=65,FA60*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,FA60*FACTORVIDA,IF(EZ28=2,FA60*EXTRAPRIMAMEDICA,FA60*EXTRAPRIMAOCUPACIONAL)),0))","v":0},{"$f":"$FA$60*FI35/1000+FJ35","v":0},{"$f":"PMT($FA$68/12,FH35,-$FA$60)+FJ35","v":0}]
[2,{"$f":"IF($A$2=\"\",\"\",\"Quincenal\")","v":""},"Copia de los 2 Últimos Recibos","Copia de los 12 Últimos Recibos",{"$f":"IF($A$3=1,SUM(CompIngresos!AF22:AJ23),IF($A$3=3,SUM(CompIngresos!AF22:AJ23),0))","v":0},null,null,null,"– Estado de cuenta del último mes.\n– Social Security Number para clientes de la franja fronteriza norte. (No necesaria para clientes que viven dentro de la Republica y trabajen modo remoto)",null,null,null,null,"-",null,null,null,null,2,{"$f":"IF($I$3=FALSE,\"\",\"Bimestral\")","v":""},"Copias de los últimos 3 Recibos",2,{"$f":"(SUM(CompIngresos!BA22:BE24)/6)","v":0},null,null,null,2,null,{"$f":"IFERROR(IF($A$2=2,IF($B$2=6,((SUM(CompIngresos!AF22:AJ25)/4)*VLOOKUP(M2,$M$6:$O$25,3,FALSE))/12,SUM(CompIngresos!AF22:AJ27)/6*VLOOKUP(M2,$M$6:$O$25,3,FALSE)),IF(C2=6,((SUM(CompIngresos!$AG$41:$AK$44)/4)*VLOOKUP(M2,$M$6:$O$25,3,FALSE))/12,SUM(CompIngresos!$AG$41:$AK$46)/6*VLOOKUP(M2,$M$6:$O$25,3,FALSE))),0)","v":0},null,null,null,null,null,null,null,1,"Administrador",0.8,2,null,null,null,null,null,null,null,7,null,null,null,null,null,null,null,null,null,null,3.5000000000000003E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IND","SALDO SUBCTA VIVIE",{"$f":"CK36","v":0},{"$f":"ADQUISICION!T128","v":0},{"$f":"ADQUISICION!T128","v":0},{"$f":"CL36","v":0},null,{"$f":"IFERROR(IF(AND(CQ5=4,CR5=2,CO=3),\"No existe tasa para el indice de riesgo seleccionado\"&CP20,\"\"),\"\")","v":""},null,"TASA PRIORITY",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TASA",{"$f":"VLOOKUP(DR37,EC84:EE87,3)","v":{"$error":"#VALUE!"}},null,null,null,{"$f":"IFERROR(IF(AND(DX5=4,DY5=2,CO=3),\"No existe tasa para el indice de riesgo seleccionado\"&DW20,\"\"),\"\")","v":""},null,"TASA PRIORITY",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,null,null,null,null,null,null,null,null,null,null,0.04,null,2,{"$f":"VLOOKUP(FG36,$AV$30:$BF$39,11,0)*12","v":180},{"$f":"ROUNDUP(PMT($FA$68/12,FH36,-1000),2)","v":5.56},{"$f":"IF(EV41>=65,FA60*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,FA60*FACTORVIDA,IF(EZ28=2,FA60*EXTRAPRIMAMEDICA,FA60*EXTRAPRIMAOCUPACIONAL)),0))","v":0},{"$f":"$FA$60*FI36/1000+FJ36","v":0},{"$f":"PMT($FA$68/12,FH36,-$FA$60)+FJ36","v":0}]
[3,{"$f":"IF($A$2=\"\",\"\",\"Catorcenal\")","v":""},"Copia de los 2 Últimos Recibos","Copia de los 12 Últimos Recibos",{"$f":"IF($A$3=1,(SUM(CompIngresos!AF22:AJ23)/28)*30.4,IF($A$3=3,(SUM(CompIngresos!AF22:AJ23)/28)*30.4,0))","v":0},null,null,null,"OPCIÓN 2:\n– Carta Laboral\n– Estado de cuenta de los últimos tres meses para ingresos fijos y seis meses para variables",null,null,null,null,"-",null,null,null,null,3,{"$f":"IF($I$3=FALSE,\"\",\"Trimestral\")","v":""},"Copias de los últimos 2 Recibos",3,{"$f":"(SUM(CompIngresos!BA22:BE23)/6)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Arquitecto",0.8,3,null,null,null,null,null,null,null,8,null,null,null,null,null,null,null,null,null,null,0.04,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IND","DESCUENTO MENS",null,{"$f":"DESCUENTIND","v":0},{"$f":"DESCUENTIND","v":0},null,null,{"$f":"IF(AND(OR(CR5=2,CR5=1),CQ5=4),\"No existe tasa para el nivel de riesgo e ingreso seleccionado\"&CP20,\"\")","v":""},null,"ALTO INDEPENDIENTE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"% FINANCIAMIENTO",{"$f":"DR72/VVIVIENDA_Liq","v":{"$error":"#VALUE!"}},null,null,null,{"$f":"IF(AND(OR(DY5=2,DY5=1),DX5=4),\"No existe tasa para el nivel de riesgo e ingreso seleccionado\"&DW20,\"\")","v":""},null,"ALTO INDEPENDIENTE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,null,null,null,null,null,null,null,null,null,null,4.4999999999999998E-2,null,3,{"$f":"VLOOKUP(FG37,$AV$30:$BF$39,11,0)*12","v":120},{"$f":"ROUNDUP(PMT($FA$68/12,FH37,-1000),2)","v":8.34},{"$f":"IF(EV41>=65,FA60*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,FA60*FACTORVIDA,IF(EZ28=2,FA60*EXTRAPRIMAMEDICA,FA60*EXTRAPRIMAOCUPACIONAL)),0))","v":0},{"$f":"$FA$60*FI37/1000+FJ37","v":0},{"$f":"PMT($FA$68/12,FH37,-$FA$60)+FJ37","v":0}]
[4,{"$f":"IF($A$2=\"\",\"\",\"Semanal\")","v":""},"Copia de los 4 Últimos Recibos","Copia de los 24 Últimos Recibos",{"$f":"IF($A$3=1,(SUM(CompIngresos!AF22:AJ25)/28)*30.4,IF($A$3=3,(SUM(CompIngresos!AF22:AJ25)/28)*30.4,0))","v":0},null,null,null,"– Social Security Number para clientes de la franja fronteriza norte.\n\n• Buró de Crédito del cliente en Estados Unidos ( TransUnion, Equifax, Experian)",null,null,null,null,"-",null,null,null,null,4,{"$f":"IF($I$3=FALSE,\"\",\"Cuatrimestral\")","v":""},"Copias de los últimos 3 Recibos",4,{"$f":"(IF(CompIngresos!BA24>=CompIngresos!BA22,MIN(CompIngresos!BA22:BE24)/4,SUM(CompIngresos!BA22:BE24)/12))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Comisionista",0.8,4,null,null,null,null,null,null,null,9,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,null,null,null,null,"IND","GASTOS DE TITULA",null,{"$f":"ADQUISICION!T126*0.03","v":0},{"$f":"ADQUISICION!T126*0.03","v":0},null,null,{"$f":"IF(AND(CZ5>1,CZ5<4),IF(CK47>300000,\"\",\"El monto del crédito a solicitar contemplando los datos del cofinanciamiento es menor al monto mínimo de credito de \"&TEXT(CJ15,\"$0,00.00\")&CP20),\"\")","v":""},null,"MONTO MINIMO DE CREDITO COFINANCIADOS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COMISION APERTURA",{"$f":"DR51","v":{"$error":"#VALUE!"}},null,null,null,{"$f":"IF(AND(EG5>1,EG5<4),IF(DR47>300000,\"\",\"El monto del crédito a solicitar contemplando los datos del cofinanciamiento es menor al monto mínimo de credito de \"&TEXT(DQ15,\"$0,00.00\")&DW20),\"\")","v":""},null,"MONTO MINIMO DE CREDITO COFINANCIADOS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,null,null,null,null,null,null,null,null,null,null,0.05]
[null,null,null,null,null,null,null,null,"• Carta de Declaración para Ingresos en Moneda Extranjera con fecha de llenado, nombre completo y firma del cliente. Integra esta Carta en conjunto con la comprobación de ingresos, en la etiqueta de Cronos correspondiente",null,null,null,null,"-",null,null,null,null,5,{"$f":"IF($I$3=FALSE,\"\",\"Semestral\")","v":""},"Copias de los últimos 2 Recibos",6,{"$f":"IF(CompIngresos!BA23>=CompIngresos!BA22,MIN(CompIngresos!BA22:BE23)/6,SUM(CompIngresos!BA22:BE23)/12)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Representante de Ventas",0.8,5,null,null,null,null,null,null,null,10,null,null,null,null,null,null,null,null,null,null,0.05,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"IND","CONTARIAS CON",null,{"$f":"CREDITOINSTITUTOIND+SUBCTAIND","v":0},{"$f":"CREDITOINSTITUTOIND+CM36","v":0},null,null,{"$f":"IF(CR5=1,CQ39,\"\")","v":"No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido."},null,"No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PLAZO",{"$f":"VLOOKUP(EC5,EB92:EJ94,4,0)","v":240},null,null,null,{"$f":"IF(DY5=1,DX39,\"\")","v":"No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido."},null,"No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,null,null,null,null,null,null,null,null,null,null,5.5E-2]
[null,null,null,null,null,null,null,null,"1) La fecha de emisión del Recibo de Nómina y del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación etapa 1. \n2) Para la Carta Laboral no se exige una vigencia.\n\n**JUBILADOS Y PENSIONADOS**\na) La pensión debe ser VITALICIA\nb) No es necesaria la Carta Laboral para jubilados y pensionados que reciban su pension con servicio de Nómina.\n\n**Recibos de nómina pagadoras**\nPara empresas pagadoras o de subcontratación: \n•\tPodrá aceptarse que cambie la razón social siempre que cubra el año de continuidad laboral, siempre y cuando el ingreso y empleo sea el mismo sin periodos de inactividad. \n•\tNo será obligatoria la carta laboral cuando se pueda demostrar la continuidad laborar con otro documento y los recibos de nómina contengan CFDI registrado en SAT (que estén fiscalizados)",null,null,null,null,"-",null,null,null,null,6,{"$f":"IF($I$3=FALSE,\"\",\"Anuales\")","v":""},"Copias de los últimos 2 Recibos",12,{"$f":"IF(CompIngresos!BA23>=CompIngresos!BA22,MIN(CompIngresos!BA22:BE23)/12,SUM(CompIngresos!BA22:BE23)/24)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Agente de Seguros",0.8,6,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"WARNINGS","     //     ",null,11,5.5E-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,null,null,null,null,null,null,null,null,{"$f":"IF(CK25>=65,\"Tu cliente excede los 65 años de edad, por lo que se incluye una extraprima en el seguro de vida\"&CP20,\"\")","v":""},null,"EXTRAPRIMA POR EDAD",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CAT SIN IVA",{"$f":"TablaLiquidez!I16","v":{"$error":"#VALUE!"}},null,null,null,{"$f":"IF(DS25>=65,\"Tu cliente excede los 65 años de edad, por lo que se incluye una extraprima en el seguro de vida\"&DW20,\"\")","v":""},null,"EXTRAPRIMA POR EDAD",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11,null,null,null,null,null,null,null,null,"WARNINGS","     //     ",0.06,null,1,{"$f":"VLOOKUP(FG40,$AV$30:$BF$39,11,0)*12","v":240},{"$f":"AVERAGE(FI35,FI20)","v":{"$error":"#REF!"}},{"$f":"FJ20+FJ35","v":{"$error":"#REF!"}},{"$f":"FK35+FK20","v":{"$error":"#REF!"}},{"$error":"#REF!"}]
[null,null,null,null,null,null,null,null,"\n1) La fecha de emisión del Recibo de Nómina y del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) La fecha de emisión de la carta NO deberá ser mayor a un mes a la fecha de autorización del crédito, si existe un trámite previo la vigencia de la carta podrá ser HASTA por 6 meses, siempre y cuando sea la misma empresa. Para la Carta Laboral no se exige una vigencia",null,null,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,"Consultor",0.8,7,null,null,null,null,null,null,null,null,"EDAD",{"$f":"'Cambia Tu Hipoteca'!$Z$13","v":0},null,null,{"$f":"(IF(AZ28<3,IF(AX41>64,EXTRAPRIMAEDAD,IF(BB28=1,FACTORVIDA,IF(BB28=2,EXTRAPRIMAMEDICA,IF(BB28=3,EXTRAPRIMAOCUPACIONAL,0))))))","v":4.7399999999999997E-4},null,{"$f":"IF(AX41<=0,\"\",IF(AND(AX28=1,AX42<=10000000),IF(AX41<AX4,\"La edad mínima es de \"&AX4&\" años.\"&BD40,\"\"),IF(AND(AX28=2,AX42<=10000000),IF(AX41<AX5,\"La edad mínima es de \"&AX5&\" años.\"&BD40,\"\"),IF(AX42>10000000,IF(AX41<AX6,\"La edad mínima es de \"&AX6&\" años.\"&BD40,\"\")))))","v":""},"EDAD MINIMA",null,12,0.06,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CONY","CREDITO INSTITUTO",null,{"$f":"CREDINSTITUTOCONY","v":0},{"$f":"CREDINSTITUTOCONY","v":0},null,null,{"$f":"IFERROR(IF(AND(VVIVIENDA>=8000000,CN49<CK49),\"Deberás de incluir una excepción para el Aforo, ya que el Aforo máximo para este valor de vivienda es de \"&TEXT(IF(VVIVIENDA>14000000,MIN(IFERROR(VLOOKUP(CN114,CP81:CZ87,11,0),0),IFERROR(VLOOKUP(CN115,CP88:CZ94,11,0),0),IFERROR(VLOOKUP(CN116,CP95:CZ99,11,0),0)),MIN(IFERROR(VLOOKUP(CN114,CP81:CZ87,10,0),0),IFERROR(VLOOKUP(CN115,CP88:CZ94,10,0),0),IFERROR(VLOOKUP(CN116,CP95:CZ99,10,0),0))),\"0 %\")&CP20,\"\"),\"\")","v":""},null,"AFORO MAXIMO POR POLITICA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PPM",{"$f":"VLOOKUP(EC5,EB91:EK94,10,0)","v":{"$error":"#VALUE!"}},null,null,null,{"$f":"IFERROR(IF(AND(VVIVIENDA>=8000000,DU49<DR49),\"Deberás de incluir una excepción para el Aforo, ya que el Aforo máximo para este valor de vivienda es de \"&TEXT(IF(VVIVIENDA>14000000,MIN(IFERROR(VLOOKUP(DU114,DW81:EG87,11,0),0),IFERROR(VLOOKUP(DU115,DW88:EG94,11,0),0),IFERROR(VLOOKUP(DU116,DW95:EG99,11,0),0)),MIN(IFERROR(VLOOKUP(DU114,DW81:EG87,10,0),0),IFERROR(VLOOKUP(DU115,DW88:EG94,10,0),0),IFERROR(VLOOKUP(DU116,DW95:EG99,10,0),0))),\"0 %\")&DW20,\"\"),\"\")","v":""},null,"AFORO MAXIMO POR POLITICA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,"EDAD",{"$f":"'Cambia Tu Hipoteca mas Liquidez'!$Z$13","v":0},null,null,null,null,null,null,{"$f":"IF(EV41<=0,\"\",IF(AND(EV28=1,EV42<=8000000),IF(EV41<EV4,\"La edad mínima es de \"&EV4&\" años.\"&FD40,\"\"),IF(AND(EV28=2,EV42<=8000000),IF(EV41<EV5,\"La edad mínima es de \"&EV5&\" años.\"&FD40,\"\"),IF(EV42>8000000,IF(EV41<EV6,\"La edad mínima es de \"&EV6&\" años.\"&FD40,\"\")))))","v":""},"EDAD MINIMA",6.5000000000000002E-2,null,2,{"$f":"VLOOKUP(FG41,$AV$30:$BF$39,11,0)*12","v":180},{"$f":"AVERAGE(FI36,FI21)","v":{"$error":"#REF!"}},{"$f":"FJ21+FJ36","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Contador",0.8,8,null,null,null,null,null,null,null,null,"VALOR DE LA VIVIENDA",{"$f":"'Cambia Tu Hipoteca'!J15","v":0},null,null,null,null,{"$f":"IF(AX42=0,\"\",IF(BH28=1,IF(AX42>=AX14,\"\",\"El valor mínimo de la vivienda es de \"&TEXT(AX14,\"$ 0,0.00\")&BD40),IF(AX42>=AX15,\"\",\"El valor minimo de la vivienda es de \"&TEXT(AX15,\"$ 0,0.00\")&BD40)))","v":""},"VALOR MINIMO VIVIENDA",null,13,6.5000000000000002E-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,null,"CONY","SALDO SUBCTA VIVIE",{"$f":"CK42","v":0},{"$f":"ADQUISICION!T134","v":0},{"$f":"ADQUISICION!T134","v":0},{"$f":"CL42","v":0},{"$f":"CH83+CREDITOINSTITUTOIND+CREDINSTITUTOCONY-ECOTECNOLOGÍASIND-ECOTECNOLOGÍASCONY","v":0},{"$f":"IF(CP5=1,IFERROR(IF(CH84>CH83+CK46,IF(OR(IFERROR($CH$81,\"\")=\"\",IFERROR($CH$82,\"\")=\"\",IFERROR($CH$85,\"\")=\"\"),\"\",IF(AND($CJ$90=FALSE,CK27>CH85),\"La linea de crédito esta topada a \"&TEXT(CH85,\"$ 0,0.00\")&CP20,\"\")),\"\"),\"\"),IFERROR(IF(CH84>CH83+CK46,IF(OR(IFERROR($CH$81,\"\")=\"\",IFERROR($CH$82,\"\")=\"\",IFERROR($CH$85,\"\")=\"\"),\"\",IF(AND($CJ$90=FALSE,(CK26-CK27)>CH85),\"La linea de crédito esta topada a \"&TEXT(CH85,\"$ 0,0.00\")&CP20,\"\")),\"\"),\"\"))","v":""},null,"TOPE LINEA DE CREDITO POR NIVEL DE RIESGO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(DW5=1,IFERROR(IF(DO84>DO83+DR46,IF(OR(IFERROR($CH$81,\"\")=\"\",IFERROR($CH$82,\"\")=\"\",IFERROR($CH$85,\"\")=\"\"),\"\",IF(AND($CJ$90=FALSE,DR27>DO85),\"La linea de crédito esta topada a \"&TEXT(DO85,\"$ 0,0.00\")&DW20,\"\")),\"\"),\"\"),IFERROR(IF(DO84>DO83+DR46,IF(OR(IFERROR($CH$81,\"\")=\"\",IFERROR($CH$82,\"\")=\"\",IFERROR($CH$85,\"\")=\"\"),\"\",IF(AND($CJ$90=FALSE,(DR26-DR27)>DO85),\"La linea de crédito esta topada a \"&TEXT(DO85,\"$ 0,0.00\")&DW20,\"\")),\"\"),\"\"))","v":""},null,"TOPE LINEA DE CREDITO POR NIVEL DE RIESGO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13,"VALOR DE LA VIVIENDA",{"$f":"'Cambia Tu Hipoteca mas Liquidez'!J17","v":0},8000000,0.8,{"$f":"EW42*EX42","v":6400000},null,null,null,{"$f":"IF(EV42=0,\"\",IF(FF28=1,IF(EV42>=EV14,\"\",\"El valor mínimo de la vivienda es de \"&TEXT(EV14,\"$ 0,0.00\")&FD40),IF(EV42>=EV15,\"\",\"El valor minimo de la vivienda es de \"&TEXT(EV15,\"$ 0,0.00\")&FD40)))","v":""},"VALOR MINIMO VIVIENDA",7.0000000000000007E-2,null,3,{"$f":"VLOOKUP(FG42,$AV$30:$BF$39,11,0)*12","v":120},{"$f":"AVERAGE(FI37,FI22)","v":{"$error":"#REF!"}},{"$f":"FJ22+FJ37","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$error":"#REF!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Dentista",1,9,null,null,null,null,null,null,null,null,"SALDO ACTUAL",{"$f":"'Cambia Tu Hipoteca'!J17","v":0},null,null,null,null,{"$f":"IF(AX43=0,\"\",IF(IF(Calculos!BB60=\"NO\",Calculos!$AX$60,Calculos!AZ60)<300000,\"El monto de crédito mínimo es de $ 300,000.00\"&BD40,\"\"))","v":""},"MONTO MINIMO DE CREDITO",null,14,7.0000000000000007E-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,null,"CONY","DESCUENTO MENS",null,{"$f":"DESCUENTCONY","v":0},{"$f":"DESCUENTCONY","v":0},null,null,{"$f":"IFERROR(IF(CK47=\"\",\"\",IF(CK62=\"Se Cotizará\",\"El costo de avalúo no esta incluido en la simulación, ya que la vivienda es mayor a $ 15,000,000.00 y se requiere cotizar el avalúo\",\"\")),\"\")","v":""},null,"AVALUO SE COTIZARA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CAPITAL + INTERESES",{"$f":"DR72*ROUNDUP(PMT(DR36/12,DR39,-1000),2)/1000","v":{"$error":"#VALUE!"}},null,null,null,{"$f":"IFERROR(IF(DR47=\"\",\"\",IF(DR62=\"Se Cotizará\",\"El costo de avalúo no esta incluido en la simulación, ya que la vivienda es mayor a $ 15,000,000.00 y se requiere cotizar el avalúo\",\"\")),\"\")","v":""},null,"AVALUO SE COTIZARA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14,"SALDO ACTUAL",{"$f":"'Cambia Tu Hipoteca mas Liquidez'!J19","v":0},{"$f":"EV42-EW42","v":-8000000},0.4,{"$f":"EW43*EX43","v":-3200000},null,null,null,{"$f":"IF(EV43=0,\"\",IF($EV$57+EX57<300000,\"El monto de crédito mínimo es de $ 300,000.00\"&FD40,\"\"))","v":""},"MONTO MINIMO DE CREDITO",7.4999999999999997E-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,null,null,null,null,null,null,null,null,null,null,null,1,"Diseño Gráfico",0.8,10,null,null,null,null,null,null,null,null,"INGRESO",{"$f":"'Cambia Tu Hipoteca'!J19","v":0},null,null,null,null,{"$f":"IF(AX44=0,\"\",IF(AX44<INGRESOMIN,\"El ingreso mínimo mensual es de \"&TEXT(INGRESOMIN,\"$ 0,0.00\")&BD40,\"\"))","v":""},"INGRESO MINIMO MENSUAL",null,15,7.4999999999999997E-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,null,"CONY","GASTOS DE TITULA",null,{"$f":"ADQUISICION!T132*0.03","v":0},{"$f":"ADQUISICION!T132*0.03","v":0},null,null,{"$f":"IF(OR($CZ$5=2,$CZ$5=3),\"RECUERDA!! las cifras son preliminares y estas podrán ser ajustadas cuando INFONAVIT proporcione montos definitivos (Carta de Instrucción notarial y/o Anexo B)\"&CP20,\"\")","v":""},null,"COFIS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SEGURO DE VIDA",{"$f":"IF(DZ5>2,0,DR72*(IF(EDADCLIENTE_Liq>=65,EXTRAPRIMAEDAD,IF(EB5=2,EXTRAPRIMAMEDICA,IF(EB5=3,EXTRAPRIMAOCUPACIONAL,FACTORVIDA)))))","v":{"$error":"#VALUE!"}},null,null,null,{"$f":"IF(OR($CZ$5=2,$CZ$5=3),\"RECUERDA!! las cifras son preliminares y estas podrán ser ajustadas cuando INFONAVIT proporcione montos definitivos (Carta de Instrucción notarial y/o Anexo B)\"&DW20,\"\")","v":""},null,"COFIS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,"INGRESO",{"$f":"'Cambia Tu Hipoteca mas Liquidez'!J21","v":0},null,null,null,null,null,null,{"$f":"IF(EV44=0,\"\",IF(EV44<EV11,\"El ingreso mínimo mensual es de \"&TEXT(EV11,\"$ 0,0.00\")&FD40,\"\"))","v":""},"INGRESO MINIMO MENSUAL",0.08]
[null,null,null,null,null,null,null,null,null,null,null,null,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,"Enfermera/Terapeuta",0.8,11,null,null,null,null,null,null,null,null,"MENS REMANENTES",{"$f":"'Cambia Tu Hipoteca'!J21","v":0},null,null,null,null,{"$f":"IF(ISERROR(IF(OR('Cambia Tu Hipoteca'!J15=\"\",'Cambia Tu Hipoteca'!J17=\"\",'Cambia Tu Hipoteca'!J19=\"\"),\"\",MIN(Calculos!AX56:AX59))),\"El indice de riesgo elegido no aplica para el tipo de ingreso \"&IF(AX28=1,\"Asalariado\",\"Independiente\")&BD40,\"\")","v":""},"NO EXISTE POR RIESGO",null,16,0.08,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CONY","CONTARIAS CON",null,{"$f":"CREDINSTITUTOCONY+SUBCTACONY","v":0},{"$f":"CREDINSTITUTOCONY+SUBCTACONY","v":0},null,null,{"$f":"IFERROR(IF(CM13=1,\"Por promoción Tu Hipoteca sin Comisión recibe la comision por apertura ¡Gratis! Y ahorra \"&TEXT(CK50,\"$0,0.00\")&\" Válida la vigencia de la promoción en www.banamex.com/tuhipotecasincomision\",\"\"),\"\")","v":""},null,"Promociones",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SEGURO DE DAÑOS",{"$f":"IF(OR(DZ5=1,DZ5=3),MAX(VVIVIENDA_Liq*0.8*FACTORDAÑOS,DR35*FACTORDAÑOS),0)","v":{"$error":"#VALUE!"}},null,null,null,{"$f":"IFERROR(IF(DT5=1,\"Por promoción Tu Hipoteca sin Comisión recibe la comision por apertura ¡Gratis! Y ahorra \"&TEXT(DR67,\"$0,0.00\")&\" Válida la vigencia de la promoción en www.Banamex.com/tuhipotecasincomision\",\"\"),\"\")","v":""},null,"Promo",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16,"MENS REMANENTES",{"$f":"'Cambia Tu Hipoteca mas Liquidez'!J23","v":0},null,null,null,null,null,null,{"$f":"IF(ISERROR(IF(OR('Cambia Tu Hipoteca mas Liquidez'!J17=\"\",'Cambia Tu Hipoteca mas Liquidez'!J19=\"\",'Cambia Tu Hipoteca mas Liquidez'!J21=\"\"),\"\",MIN(EV54:EV56))),\"El indice de riesgo elegido no aplica para el tipo de ingreso \"&IF(EV28=1,\"Asalariado\",\"Independiente\")&FD40,\"\")","v":""},"NO EXISTE POR RIESGO",8.5000000000000006E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Informático",0.8,12,null,null,null,null,null,null,null,null,"MENS TOTAL ACTUAL",{"$f":"'Cambia Tu Hipoteca'!J23","v":0},null,null,null,null,{"$f":"IFERROR(IF(BB60=\"SI\",IF(OR(AZ56=\"\",AZ57=\"\",AZ60=\"\"),\"\",IF(BA60=TRUE,\"Su línea de crédito está topada por su capacidad de pago a \"&TEXT(AZ60,\" 0,0.00\")&\", recalcula sus ingresos o monto solicitado. \"&BD40,\"\")),IF(OR(AX56=\"\",AX57=\"\",AX60=\"\"),\"\",IF(AY60=TRUE,\"Su línea de crédito está topada por su capacidad de pago a \"&TEXT(AX60,\" 0,0.00\")&\", recalcula sus ingresos o monto solicitado. \"&BD40,\"\"))),\"\")","v":""},"LINEA CREDITO TOPE",null,17,8.5000000000000006E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CONTARIS CON IND Y CONY",null,{"$f":"CK45+CK39","v":0},{"$f":"CL45+CL39","v":0},null,null,{"$f":"+IFERROR(IF(AND(CH85<CH84,CO5<3,CH85<1500000),_xlfn.CONCAT(\"Es necesario que ajustes el monto solicitado de la simulacion a \",TEXT(CH85,\"$#,##0.00\"),\" para que se asigne la tasa correcta.\"),\"\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MENSUALIDAD TOTAL",{"$f":"SUM(DR43:DR45)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,"MENS TOTAL ACTUAL",{"$f":"'Cambia Tu Hipoteca mas Liquidez'!J25","v":0},null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(EV42=\"\",EV43=\"\",EV44=\"\"),\"\",IF(OR(EV58=EV54,EV58=EV55),\"Su línea de crédito está topada por su capacidad de pago a \"&TEXT(EV58,\" 0,0.00\")&\", recalcula sus ingresos o monto solicitado. \"&FD40&\" El monto máximo de liquidez que se podría otorgar es de: \"&DOLLAR(EX60*EV42)&FD40,\"\")),\"\")","v":""},"LINEA CREDITO TOPE",0.09]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Ingeniero",0.8,13,null,null,null,null,null,null,null,null,"DEUDA CA",{"$f":"'Cambia Tu Hipoteca'!AI17","v":0},0.04,{"$f":"IF($BD$28=2,AX47,AX47*AY47)","v":0},null,null,{"$f":"IF(AX42>15000000,\"* Para viviendas con valor hasta $ 15,000,000.00. El excedente será cubierto por el cliente.\",\"\")","v":""},"AVALUO VIVIENDA MAYOR A 15 MM",null,18,0.09,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CREDITO PERF",null,{"$f":"IF(CI85=\"SI\",CH115,CH85)","v":""},{"$f":"IF(CL85=\"SI\",CK115,CK85)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"INGRE MIN COMP",{"$f":"VLOOKUP(EC5,EB91:EO94,14,0)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,18,"DEUDA CA",{"$f":"'Cambia Tu Hipoteca mas Liquidez'!AI17","v":0},0.04,{"$f":"IF($BD$28=2,EV47,EV47*EW47)","v":0},null,null,null,null,null,"AVALUO VIVIENDA MAYOR A 15 MM",9.5000000000000001E-2]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Ingeniero Civil",0.8,14,null,null,null,null,null,null,null,null,"DEUDA CH",{"$f":"'Cambia Tu Hipoteca'!AI19","v":0},0.01,{"$f":"IF($BD$28=2,AX48,AX48*AY48)","v":0},null,null,{"$f":"IFERROR(IF(AX59>AX60,\"Su linea de crédito esta topada por %Financiamiento máximo a \"&TEXT($AX$60,\"$ 0,0.00\"),\"\"),\"\")","v":""},"LINEA CREDITO POR MAX AFORO",null,19,9.5000000000000001E-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,null,null,"TASA",{"$f":"IF(CI84=\"SI\",CJ99,CJ68)","v":{"$error":"#VALUE!"}},{"$f":"IF(CI85=\"SI\",CI100,CI70)","v":{"$error":"#VALUE!"}},{"$f":"IF(CL85=\"SI\",CL100,CL70)","v":{"$error":"#VALUE!"}},{"$f":"IF(CL85=\"SI\",CM99,CM68)","v":{"$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,"INGRE MIN COMP 2",{"$f":"DR79","v":{"$error":"#DIV/0!"}},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,19,"DEUDA CH",{"$f":"'Cambia Tu Hipoteca mas Liquidez'!AI19","v":0},0.01,{"$f":"IF($BD$28=2,EV48,EV48*EW48)","v":0},null,null,null,null,{"$f":"IFERROR(IF(EV56<EV57+EX57,\"Su linea de crédito esta topada por %Financiamiento máximo a \"&TEXT($EV$58,\"$ 0,0.00\"),\"\"),\"\")","v":""},"LINEA CREDITO POR MAX AFORO",0.1]
[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,null,null,null,null,null,null,null,null,null,null,1,"Maestro",0.8,15,null,null,null,null,null,null,null,null,"DEUDA CP",{"$f":"'Cambia Tu Hipoteca'!AI21","v":0},0.05,{"$f":"IF($BD$28=2,AX49,AX49*AY49)","v":0},null,null,{"$f":"IF(AND(AX60>CREDITOMAX,AX60<>\"\"),\"Deberás incluir una Excepción para un crédito mayor de \"&TEXT(CREDITOMAX,\"$ 0,0.00\"),\"\")","v":""},"MONTO MAXIMO DE CREDITO",null,20,0.1,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,null,"% FINANCIAMIENTO",null,{"$f":"ROUNDDOWN(IF(CI85=\"SI\",CI101,CI71),3)","v":{"$error":"#VALUE!"}},{"$f":"ROUNDDOWN(IF(CL85=\"SI\",CL101,CL71),3)","v":{"$error":"#VALUE!"}},null,{"$f":"(MAX((10000000*MAX(CP120:CP122)+(VVIVIENDA-10000000)*0.4),VVIVIENDA*IF((MAX(CP114:CP116)-IF(CO5=1,30%,10%))<60%,60%,(MAX(CP114:CP116)-IF(CO5=1,30%,10%)))))/VVIVIENDA","v":{"$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,"ENGANCHE MIN REQU",null,null,null,null,null,null,null,null,null,null,"PAGOS FIJOS",null,null,null,null,null,null,"VALOR MIN","VALOR MAX","COSTO CIVA","COSTO SIVA",null,null,null,null,null,null,null,null,"DEUDA CP",{"$f":"'Cambia Tu Hipoteca mas Liquidez'!AI21","v":0},0.05,{"$f":"IF($BD$28=2,EV49,EV49*EW49)","v":0},null,null,null,null,null,"MONTO MINIMO DE CREDITO"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Médico",1,16,null,null,null,null,null,null,null,null,"DEUDA TDC",{"$f":"'Cambia Tu Hipoteca'!AI23","v":0},7.0000000000000007E-2,{"$f":"AX50*AY50","v":0},null,null,{"$f":"IF(AX41>AX7,\"La edad máxima es de \"&AX7&\" años 11 meses para Cambia tu Hipoteca\"&BD40,\"\")","v":""},"EDAD MAXIMA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COMISION APERTURA",null,{"$f":"IF(CI85=\"SI\",CH119,CH89)","v":{"$error":"#VALUE!"}},{"$f":"IF(CL85=\"SI\",CK119,CK89)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COMISION APERTURA CON IVA",{"$f":"DR67","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,1,2,3,4,null,500000,1000000,3500,3017.2413793103451,null,null,null,null,null,null,null,null,"DEUDA TDC",{"$f":"'Cambia Tu Hipoteca mas Liquidez'!AI23","v":0},7.0000000000000007E-2,{"$f":"EV50*EW50","v":0},null,null,null,null,{"$f":"IF(EV43=0,\"\",IF($EX$59<EV21,\"El monto de crédito mínimo de Liquidez es de $ 50,000.00 o el 5% del remanente de la hipoteca, lo que resulte mayor, revisa el monto de Cambia tu Hipoteca, el aforo máximo combinado es de: \"&MAX(FH9:FH10)*100&\"%\"&FD40,\"\"))","v":""},"MONTO MINIMO DE CREDITO LIQUIDEZ"]
[null,null,null,null,null,null,null,null,null,null,null,null,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,"Periodista/Comunicador",0.8,17,null,null,null,null,null,null,null,null,null,null,"total",{"$f":"SUM(AZ47:AZ50)","v":0},null,null,{"$f":"IF(AX41+VLOOKUP($BF$28,$AV$30:$BF$32,11,0)>AX8,\"La edad máxima + plazo es de \"&AX8&\" años 11 meses. \"&BD40,\"\")","v":""},"EDAD MAXIMA + PLAZO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PLAZO",null,{"$f":"IF(CI85=\"SI\",CH102,CH72)","v":240},{"$f":"IF(CL85=\"SI\",CK102,CK72)","v":240},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COMISION APERTURA SIN IVA",{"$f":"(DR50*1%)/1.16%","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,"CTH","MUY BAJO","BAJO","MEDIO","ALTO",null,1000001,3000000,5500,4741.3793103448279,null,null,null,null,null,null,null,null,null,null,"total",{"$f":"SUM(EX47:EX50)","v":0},null,null,null,null,null,"MONTO MAXIMO DE CREDITO LIQUIDEZ"]
["-",null,null,null,null,null,null,null,null,null,null,null,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,"Piloto",0.8,18,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AX41>=65,\"Tu cliente excede los 65 años de edad, por lo que se incluye una extraprima en el seguro de vida\"&BD40,\"\")","v":""},"EXTRAPRIMA POR EDAD",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CAT SIN IVA",null,{"$f":"IF(CI85=\"SI\",CH126,CH96)","v":{"$error":"#VALUE!"}},{"$f":"IF(CL85=\"SI\",CK126,CK96)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AVALUO CON IVA",{"$f":"DR75","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,"<35000","DTI",0.5,0.5,0.45,0.35,null,3000001,5000000,7500,6465.5172413793107,null,null,null,null,null,null,null,null,"Cambia tu Hipoteca",null,null,null,null,null,"Liquidez",null,{"$f":"IFERROR(IF(EV58>EV13,\"Deberás incluir una Excepción para un crédito mayor de \" &TEXT(EV13,\"$0,0.00\"),\"\"),\"\")","v":""},"MONTO MAXIMO DE CREDITO"]
["-",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Psicólogo",0.8,19,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AX28=1,BD53,\"\")","v":"No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido."},"No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PPM",null,{"$f":"IF(CI85=\"SI\",CJ107,CJ77)","v":{"$error":"#DIV/0!"}},{"$f":"IF(CL85=\"SI\",CM107,CM77)","v":{"$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,"AVALUO SIN IVA",{"$f":"DR52/1.16","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,"PTI",0.45,0.45,0.4,0.3,null,5000001,8000000,10500,9051.7241379310344,null,null,null,null,null,null,null,null,null,"CTH+Liquidez","CTH","Liquidez",null,null,null,null,{"$f":"IF(EV41>EV7,\"La edad máxima es de \"&EV7&\" años 11 meses para Cambia tu Hipoteca más Liquidez\"&FD40,\"\")","v":""},"EDAD MAXIMA"]
["-",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Otro",0.8,20,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GASTOS NOTARIALES",{"$f":"DR74","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,">35000","DTI",0.5,0.5,0.5,0.35,null,8000001,15000000,15500,13362.068965517243,null,null,null,null,null,null,null,null,"LINEA PTI",{"$f":"(('Cambia Tu Hipoteca mas Liquidez'!J21*EV71-(IF(OR(EX28=1,EX28=3),MAX(EV42*0.8,EV43)*FACTORDAÑOS,0))-(((IF((EV43/EV42)<=EZ26,IF(FD26-(EV43/EV42)<FB26,FD26-(EV43/EV42),FB26),IF((EV43/EV42)<=EZ25,IF(FD25-(EV43/EV42)<=FB25,FD25-(EV43/EV42),FB25),IF((EV43/EV42)<=EZ24,IF(FD24-(EV43/EV42)<=FB24,FD24-(EV43/EV42),FB24),IF((EV43/EV42)<=EZ23,IF(FD23-(EV43/EV42)<=FB23,FD23-(EV43/EV42),FB23),0))))*EV42)+EV43)*IF(EX28>2,0,IF(EV41>=65,EXTRAPRIMAEDAD,FACTORVIDA)+IF(EX28>2,0,IF(EZ28=2,EXTRAPRIMAMEDICA,0)+IF(EZ28=3,EXTRAPRIMAOCUPACIONAL,0)))))/EV63)*1000","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,{"$f":"IF(EV41+VLOOKUP($FC$28,$ET$30:$FD$32,11,0)>EV8,\"La edad máxima + plazo es de \"&EV8&\" años 11 meses. \"&FD40,\"\")","v":""},"EDAD MAXIMA + PLAZO"]
["-",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Agropecuario y Pesca",0.15,null,null,null,null,null,null,null,null,null,null,{"$f":"MIN(IF('Cambia Tu Hipoteca'!J15<=8000000,'Cambia Tu Hipoteca'!J15*MAX(Calculos!BJ4:BJ6),8000000*MAX(Calculos!BJ4:BJ6)+('Cambia Tu Hipoteca'!J15-8000000)*0.4),16000000)","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,null,null,null,null,null,"CAPITAL + INTERESES",null,{"$f":"CK47*ROUNDUP(PMT(CK48/12,IF(CI85=\"SI\",CH102,CH72),-1000),2)/1000","v":{"$error":"#VALUE!"}},{"$f":"CL47*CL53/1000","v":{"$error":"#VALUE!"}},16613.333999999999,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AMARRA TU TASA",{"$f":"DR78","v":0},null,null,null,null,null,null,null,null,null,null,"PTI",0.45,0.45,0.4,0.3,null,15000000.01,null,{"$f":"IF(VVIVIENDA_Liq>15000000,(((VVIVIENDA_Liq-10000000)*1.05)/1000)+14990,0)","v":0},"Se Cotizará",null,null,null,null,null,null,null,null,"LINEA DTI",{"$f":"(('Cambia Tu Hipoteca mas Liquidez'!J21*EV72-MAX(EV42*0.8,EV43)*FACTORDAÑOS-(((IF((EV43/EV42)<=EZ26,IF(FD26-(EV43/EV42)<FB26,FD26-(EV43/EV42),FB26),IF((EV43/EV42)<=EZ25,IF(FD25-(EV43/EV42)<=FB25,FD25-(EV43/EV42),FB25),IF((EV43/EV42)<=EZ24,IF(FD24-(EV43/EV42)<=FB24,FD24-(EV43/EV42),FB24),IF((EV43/EV42)<=EZ23,IF(FD23-(EV43/EV42)<=FB23,FD23-(EV43/EV42),FB23),0))))*EV42)+EV43)*IF(EX28>2,0,IF(EV41>=65,EXTRAPRIMAEDAD,FACTORVIDA)+IF(EX28>2,0,IF(EZ28=2,EXTRAPRIMAMEDICA,0)+IF(EZ28=3,EXTRAPRIMAOCUPACIONAL,0))))-EX51)/EV63)*1000","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,{"$f":"IF(EV41>=65,\"Tu cliente excede los 65 años de edad, por lo que se incluye una extraprima en el seguro de vida\"&FD40,\"\")","v":""},"EXTRAPRIMA POR EDAD"]
["-",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Agencia de Viajes",0.3,null,null,null,null,null,null,null,null,null,"LINEA PTI",{"$f":"IF('Cambia Tu Hipoteca'!J19=\"\",\"\",ROUND(('Cambia Tu Hipoteca'!J19*AX72-0.8*'Cambia Tu Hipoteca'!J15*FACTORDAÑOS)/AX75,0)*1000)","v":""},null,{"$f":"IF('Cambia Tu Hipoteca'!J19=\"\",\"\",ROUND(('Cambia Tu Hipoteca'!J19*AZ72-0.8*'Cambia Tu Hipoteca'!J15*FACTORDAÑOS)/AZ75,0)*1000)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SEGURO DE VIDA",null,{"$f":"IF(AND(CK25>=65,OR(CS5=1,CS5=2)),CH85*EXTRAPRIMAEDAD,IF(OR(CS5=1,CS5=2),IF(CU5=1,IF(CI85=\"SI\",CH115,CH85)*FACTORVIDA,IF(CU5=2,IF(CI85=\"SI\",CH115,CH85)*EXTRAPRIMAMEDICA,IF(CI85=\"SI\",CH115,CH85)*EXTRAPRIMAOCUPACIONAL)),0))","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(CK25>=65,OR(CS5=1,CS5=2)),IF(CL85=\"SI\",CK115,CK85)*EXTRAPRIMAEDAD,IF(OR(CS5=1,CS5=2),IF(CU5=1,IF(CL85=\"SI\",CK115,CK85)*FACTORVIDA,IF(CU5=2,IF(CL85=\"SI\",CK115,CK85)*EXTRAPRIMAMEDICA,IF(CL85=\"SI\",CK115,CK85)*EXTRAPRIMAOCUPACIONAL)),0))","v":{"$error":"#VALUE!"}},1000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL GASTOS INICIA",{"$f":"SUM(DR51,DR53,DR54,DR55)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MAX AFORO",{"$f":"IF('Cambia Tu Hipoteca mas Liquidez'!J17<=10000000,'Cambia Tu Hipoteca mas Liquidez'!J17*MAX(Calculos!FH4:FH6),MAX(10000000*MAX(FH4:FH5)+('Cambia Tu Hipoteca mas Liquidez'!J17-10000000)*0.4,'Cambia Tu Hipoteca mas Liquidez'!J17*(IF(EU28=1,MAX(FH9:FH11)-30%,MAX(FH9:FH11)-10%))))","v":0},null,null,null,null,null,null,{"$f":"IFERROR(IF(FH28=1,\"Por promoción Tu Hipoteca sin Comisión recibe la comision por apertura ¡Gratis! Y ahorra \"&TEXT(EW68+EX68,\"$0,0.00\")&\" Válida la vigencia de la promoción en www.banamex.com/tuhipotecasincomision\",\"\"),\"\")","v":""},"PROMOCIONES"]
["-",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Alimentos/Bebidas Elaborados",0.3,null,null,null,null,null,null,null,null,null,"LINEA DTI",{"$f":"IF('Cambia Tu Hipoteca'!J19=\"\",\"\",ROUND((('Cambia Tu Hipoteca'!J19*AX73)-AZ51-0.8*'Cambia Tu Hipoteca'!J15*FACTORDAÑOS)/AX75,0)*1000)","v":""},null,{"$f":"IF('Cambia Tu Hipoteca'!J19=\"\",\"\",ROUND((('Cambia Tu Hipoteca'!J19*AZ73)-AZ51-0.8*'Cambia Tu Hipoteca'!J15*FACTORDAÑOS)/AZ75,0)*1000)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SEGURO DE DAÑOS",null,{"$f":"IF(OR(Calculos!$CS$5=1,Calculos!$CS$5=3),MAX(VVIVIENDA*0.8*FACTORDAÑOS,CK47*FACTORDAÑOS),0)","v":{"$error":"#VALUE!"}},{"$f":"IF(OR(Calculos!$CS$5=1,Calculos!$CS$5=3),MAX(VVIVIENDA*0.8*FACTORDAÑOS,CL47*FACTORDAÑOS),0)","v":{"$error":"#VALUE!"}},1200,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Grid De Precios",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SOLICITADO",{"$f":"'Cambia Tu Hipoteca mas Liquidez'!J19","v":0},null,{"$f":"'Cambia Tu Hipoteca mas Liquidez'!$J$27","v":0},{"$f":"+EV57+EX57","v":0},null,null,null,{"$f":"IF(EV28=1,FD57,\"\")","v":"No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido."},"No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido."]
["-",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Construcción/Contratista",0.3,null,null,null,null,null,null,null,null,null,"MAX AFORO",{"$f":"IF('Cambia Tu Hipoteca'!J15<=10000000,'Cambia Tu Hipoteca'!J15*MAX(Calculos!BJ4:BJ6),MAX(10000000*MAX(BJ4:BJ5)+('Cambia Tu Hipoteca'!J15-10000000)*0.4,'Cambia Tu Hipoteca'!J15*(IF(Calculos!AW28=1,IF(MAX(Calculos!BJ4:BJ5)-30%<60%,60%,MAX(Calculos!BJ4:BJ5)-30%),MAX(Calculos!BJ4:BJ5)-10%))))","v":0},{"$f":"+IF('Cambia Tu Hipoteca'!J15=\"\",\"\",(AX58-AY76)/AX69)","v":""},{"$f":"IF('Cambia Tu Hipoteca'!J15<=10000000,'Cambia Tu Hipoteca'!J15*MAX(Calculos!BJ4:BJ6),MAX(10000000*MAX(BJ4:BJ5)+('Cambia Tu Hipoteca'!J15-10000000)*0.4,'Cambia Tu Hipoteca'!J15*(IF(Calculos!AW28=1,IF(MAX(Calculos!BJ4:BJ5)-30%<60%,60%,MAX(Calculos!BJ4:BJ5)-30%),MAX(Calculos!BJ4:BJ5)-10%))))","v":0},{"$f":"+IF('Cambia Tu Hipoteca'!J15=\"\",\"\",(AX58-AY76)/AZ69)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MENSUALIDAD TOTAL",null,{"$f":"SUM(CK55:CK57)","v":{"$error":"#VALUE!"}},{"$f":"SUM(CL55:CL57)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,"PAGOS FIJOS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cálculos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LINEA FINAL",{"$f":"IF(EX57=0,MIN(EV54:EV56),MIN(EV54:EV56,EV57+EX57))","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Comisionista",0.3,null,null,null,null,null,null,null,null,null,"SOLICITADO",{"$f":"'Cambia Tu Hipoteca'!J17+Calculos!AX76","v":0},null,{"$f":"'Cambia Tu Hipoteca'!J17+Calculos!AX76","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"INGRE MIN COMP",null,{"$f":"IF(CI85=\"SI\",CH120,CH90)","v":{"$error":"#VALUE!"}},{"$f":"IF(CL85=\"SI\",CK120,CK90)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,1,2,3,4,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TASA_Monto_Solicitado",{"$f":"VLOOKUP(DR60,EC84:EE87,3)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,"Tasas",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LINEA_CTH",null,{"$f":"IF(EV57<EV58,EV57,EV58)","v":{"$error":"#DIV/0!"}},{"$f":"IF(EX57=0,MIN(EV58-EW59,EX60*EV42),MIN(EV58-EW59,EX60*EV42,EX57))","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Comercio",0.3,null,null,null,null,null,null,null,null,null,"LINEA FINAL",{"$f":"IFERROR(IF(OR('Cambia Tu Hipoteca'!J15=\"\",'Cambia Tu Hipoteca'!J17=\"\",'Cambia Tu Hipoteca'!J19=\"\"),\"\",MIN(Calculos!AX56:AX59)),\"\")","v":""},{"$f":"OR(AX56=AX60,AX57=AX60)","v":true},{"$f":"IFERROR(IF(OR('Cambia Tu Hipoteca'!J15=\"\",'Cambia Tu Hipoteca'!J17=\"\",'Cambia Tu Hipoteca'!J19=\"\"),\"\",MIN(Calculos!AZ56:AZ59)),\"\")","v":""},{"$f":"OR(AZ56=AZ60,AZ57=AZ60)","v":true},{"$f":"IF(AND(AX60>=300000),\"SI\",\"NO\")","v":"SI"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"INGRE MIN COMP 2",null,{"$f":"IF(CI84=\"SI\",CH123,CH93)","v":{"$error":"#VALUE!"}},{"$f":"IF(CL84=\"SI\",CK123,CK93)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,"CTH","MUY BAJO","BAJO","MEDIO","ALTO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AFORO_Monto_Solicitado",{"$f":"MIN(MAX(ED85:ED87),IF(DW5=1,MONSOLIENGAN_Liq,VVIVIENDA_Liq-MONSOLIENGAN_Liq)/VVIVIENDA_Liq)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,"INGRESO","RIESGO","AFORO","%Aforo","Blue","Priority","Gold",null,null,null,null,null,null,null,null,null,null,null,null,"Aforo_Max",null,{"$f":"EV57/EV42","v":{"$error":"#DIV/0!"}},{"$f":"ROUNDUP(IF(EW60<=EZ26,IF(FD26-EW60<FB26,FD26-EW60,FB26),IF(EW60<=EZ25,IF(FD25-EW60<=FB25,FD25-EW60,FB25),IF(EW60<=EZ24,IF(FD24-EW60<=FB24,FD24-EW60,FB24),IF(EW60<=EZ23,IF(FD23-EW60<=FB23,FD23-EW60,FB23),0)))),2)","v":{"$error":"#DIV/0!"}},{"$f":"+SUM(EW60:EX60)","v":{"$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,null,null,null,null,null,null,2,"Diseñador Gráfico",0.3,null,null,null,null,null,null,null,null,null,"ENGANCHE",{"$f":"IF(AX60=\"\",\"\",IF(AX59>AX58,0,AX59-AX60))","v":""},null,{"$f":"IF(AZ60=\"\",\"\",IF(AZ59>AZ58,0,AZ59-AZ60))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ENGANCHE MIN REQU",null,{"$f":"IF(CI85=\"SI\",CH116,CH86)","v":""},{"$f":"IF(CL85=\"SI\",CK116,CK86)","v":""},null,null,null,null,null,null,"<35000","DTI",0.5,0.5,{"$f":"IF($DF$5=1,CV61,45%)","v":0.5},0.35,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PLAZO",{"$f":"VLOOKUP(EC5,DU6:EC9,9,0)","v":20},null,null,null,null,null,null,null,null,null,1,1,{"$f":"EB61&EC61","v":"11"},0.54999989999999999,0.13,0.1275,0.1225,null,null,null,null,null,null,null,null,null,null,null,null,"Tasa_Aforo_Max",null,{"$f":"IF(EU28<4,VLOOKUP(EY60,FG8:FI10,3),VLOOKUP(EY60,FG14:FI15,3))","v":{"$error":"#DIV/0!"}},{"$f":"IF(EU28<4,VLOOKUP(EY60,FG8:FI10,3),VLOOKUP(EY60,FG14:FI15,3))","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Gasolinero",0.06,null,null,null,null,null,null,null,null,null,"APOYO INFONAVIT",{"$f":"IF(IF(BJ28=1,IF('Cambia Tu Hipoteca'!K27=\"\",'Cambia Tu Hipoteca'!J19,'Cambia Tu Hipoteca'!K27),\"\")>DG82,DG82,IF(BJ28=1,IF('Cambia Tu Hipoteca'!K27=\"\",'Cambia Tu Hipoteca'!J19,'Cambia Tu Hipoteca'!K27),\"\"))*0.1","v":8598.64},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1050000.0000000002,null,"AVALUO CON IVA",null,{"$f":"IF(CI85=\"SI\",CH118,CH88)","v":0},{"$f":"IF(CL85=\"SI\",CK118,CK88)","v":0},null,null,null,null,null,null,null,"PTI",0.45,0.45,{"$f":"IF($DF$5=1,CV62,40%)","v":0.45},0.3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GASTOS NOTARIALES",{"$f":"IF(EE5<=10,VLOOKUP($EE$5,DU6:EE16,11,0),VLOOKUP($EE$5,ED17:EE25,2,0))","v":5.5E-2},null,null,null,null,null,null,null,null,null,1,2,{"$f":"EB62&EC62","v":"12"},0.54999989999999999,0.13,0.1275,0.1225,null,null,null,null,null,null,null,null,null,null,null,null,"Plazo",null,{"$f":"VLOOKUP(FD28,ET30:FD32,11,0)*12","v":240},{"$f":"VLOOKUP(FD28,ET30:FD32,11,0)*12","v":240}]
[null,"Tipo de Ingreso","Segmento",null,"Modo Comprobacion",null,null,null,null,null,null,null,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,"Manufactura",0.3,null,null,null,null,null,null,null,null,null,"AVALUO",{"$f":"IF('Cambia Tu Hipoteca'!J15<BN9,0,VLOOKUP('Cambia Tu Hipoteca'!J15,BN4:BP9,3)/1.16)","v":0},{"$f":"IF('Cambia Tu Hipoteca'!J15<BN9,0,VLOOKUP('Cambia Tu Hipoteca'!J15,BN4:BP9,3))","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,null,null,10500,null,"AVALUO SIN IVA",null,{"$f":"CI88","v":0},{"$f":"CL88","v":0},null,null,null,null,null,null,">35000","DTI",0.5,0.5,{"$f":"IF($DF$5=1,CV63,50%)","v":0.5},0.35,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PTI",{"$f":"HLOOKUP(DX5,ED50:EG55,IF(INGRESOMENSUAL_Liq<35000,4,6))","v":0.45},null,null,null,null,null,null,null,null,null,1,3,{"$f":"EB63&EC63","v":"13"},0.54999989999999999,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PPM_Aforo_Max",{"$f":"(EW63*EW60+EX63*EX60)/SUM(EW60:EX60)","v":{"$error":"#DIV/0!"}},{"$f":"ROUNDUP(PMT(EW61/12,EW62,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"ROUNDUP(PMT(EX61/12,EX62,-1000),2)","v":{"$error":"#DIV/0!"}}]
[1,"Asalariado",1,"Ingresos Fijos",1,"Recibos de Nómina","Asimilados a Sueldos y Salarios",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Restaurantero",0.3,null,null,null,null,null,null,null,null,null,"COMISION",{"$f":"AX60*AX77","v":{"$error":"#VALUE!"}},null,{"$f":"AX60*AX77","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9051.7241379310344,null,"GASTOS NOTARIALE",{"$f":"CK64","v":""},{"$f":"CH87","v":""},{"$f":"CK87","v":""},{"$f":"CL64","v":""},null,null,null,null,null,null,"PTI",0.45,0.45,{"$f":"IF($DF$5=1,CV64,40%)","v":0.45},0.3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",{"$f":"HLOOKUP(DX5,ED50:EG55,IF(INGRESOMENSUAL_Liq<35000,3,5))","v":0.5},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ingreso"]
[2,"Independiente",1,"Ingresos Variables",2,"Recibos de Nómina","Asimilados a Sueldos y Salarios",null,null,null,null,null,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,"Servicios Otros",0.3,null,null,null,null,null,null,null,null,null,"INGRESO",{"$f":"IF(AX66/AX74<AX11,AX11,AX66/AX74)","v":{"$error":"#VALUE!"}},{"$f":"$AX$59*ROUNDUP(PMT(AX68/12,$AY$70*12,-1000),2)/1000","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR(AZ28=1,AZ28=2),AX59*FACTORVIDA,0)+IF(OR($CS$5=1,$CS$5=3),MAX(AX42*0.8*FACTORDAÑOS,AX59*FACTORDAÑOS),0)","v":0},{"$f":"IF((((AY65+AZ65)+DESCUENTIND+DESCUENTCONY)/AX74)<15000,15000,((AY65+AZ65)+DESCUENTIND+DESCUENTCONY)/AX74)","v":{"$error":"#DIV/0!"}},{"$f":"IF(AZ66/AZ74<AX11,AX11,AZ66/AZ74)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,900000,900000,null,"AMARRA TU TASA",null,{"$f":"CH92","v":0},{"$f":"CK92","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CAPACIDAD PAGO",{"$f":"+IF(DS34>0,DR64,DR63)","v":0.45},null,null,null,null,null,null,null,null,null,2,1,{"$f":"EB65&EC65","v":"21"},0.55000000000000004,0.13,0.1275,0.1225,null,null,null,null,null,null,null,null,null,null,null,null,"Aforo_Real",null,{"$f":"EW59/EV42","v":{"$error":"#DIV/0!"}},{"$f":"IF(EX59<50000,0,(EX59/EV42))","v":{"$error":"#DIV/0!"}},{"$f":"+SUM(EW65:EX65)","v":{"$error":"#DIV/0!"}}]
[3,"Mixto",2,"Honorarios Profesionales",1,"Cuenta(s) de Cheques Banamex","Cuenta(s) de Cheques Banamex y Otros Bancos","Cuenta(s) de Cheques con Otros Bancos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,"Servicios Turísticos",0.3,null,null,null,null,null,null,null,null,null,"MENSUALIDAD",{"$f":"VLOOKUP(BF28,BI20:BN22,5,0)+AZ51","v":{"$error":"#VALUE!"}},null,{"$f":"VLOOKUP(BF28,BI25:BN27,5,0)+AZ51","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,"TOTAL GASTOS INICIA",{"$f":"IF(CP5=1,IF(ADQUISICION!M280=\"\",IF(SUM(IF(DD5=2,CJ64,IF(DD5=3,\"¡Gratis!\",IF(CJ64>CJ67,CJ64-IF(CK47-CK27<=0,0,CK47-CK27),IF(CJ64-(IF(CK47-CK27<0,0,CK47-CK27))<=0,0,CJ64-(IF(CK47-CK27<0,0,CK47-CK27)))))),CK50)>0,SUM(IF(DD5=2,CJ64,IF(DD5=3,\"¡Gratis!\",IF(CJ64>CJ67,CJ64-IF(CK47-CK27<=0,0,CK47-CK27),IF(CJ64-(CK47-CK27)<=0,0,CJ64-(IF(CK47-CK27<0,0,CK47-CK27)))))),CK50),0),IF(CK47<CK27,ADQUISICION!M280+CK50,ADQUISICION!M280-(CK47-CK27)+CK50)),IF(ADQUISICION!Q280=\"\",IF(SUM(IF(DD5=1,CJ64,IF(DD5=3,\"¡Gratis!\",IF(CJ64>CJ67,CJ64-IF(CK47-(CK26-CK27)<=0,0,CK47-(CK26-CK27)),IF(CJ64-(IF(CK47-(CK26-CK27)<0,0,CK47-(CK26-CK27)))<=0,0,CJ64-(IF(CK47-(CK26-CK27)<0,0,CK47-(CK26-CK27))))))),CK50)>0,SUM(IF(DD5=2,CJ64,IF(DD5=3,\"¡Gratis!\",IF(CJ64>CJ67,CJ64-IF(CK47-(CK26-CK27)<=0,0,CK47-(CK26-CK27)),IF(CJ64-(CK47-(CK26-CK27))<=0,0,CJ64-(IF(CK47-(CK26-CK27)<0,0,CK47-(CK26-CK27))))))),CK50),0),IF(CK47<(CK26-CK27),ADQUISICION!M280+CK50,ADQUISICION!M280-(CK47-(CK26-(CK26-CK27)))+CK50)))","v":{"$error":"#VALUE!"}},{"$f":"CK61+IF(CK62=\"Se Cotizará\",0,CK62)+IF(OR(DD5=2,CH84>=CH81,CH84>=CH85),CJ66,0)+CK65+CK38+CK44","v":{"$error":"#VALUE!"}},{"$f":"CL61+IF(CL62=\"Se Cotizará\",0,CL62)+IF(OR(DD5=2,CK84>=CK81,CK84>=CK85),CN66,0)+CL65+CL38+CL44","v":{"$error":"#VALUE!"}},{"$f":"IF(ADQUISICION!Q280=\"\",IF(SUM(IF(DD5=2,CM64,IF(DD5=3,\"¡Gratis!\",IF(CM64>CJ67,CM64-IF(CL47-CL27<=0,0,CL47-CL27),IF(CM64-(IF(CL47-CL27<0,0,CL47-CL27))<=0,0,CM64-(IF(CL47-CL27<0,0,CL47-CL27)))))),CL50)>0,SUM(IF(DD5=2,CM64,IF(DD5=3,\"¡Gratis!\",IF(CM64>CJ67,CM64-IF(CL47-CL27<=0,0,CL47-CL27),IF(CM64-(CL47-CL27)<=0,0,CM64-(IF(CL47-CL27<0,0,CL47-CL27)))))),CL50),0),IF(CL47<CL27,ADQUISICION!Q280+CL50,ADQUISICION!Q280-(CL47-CL27)+CL50))","v":{"$error":"#VALUE!"}},{"$f":"IF(CP5=1,IF(ADQUISICION!M280=\"\",IF(SUM(IF(DD5=2,CJ64,IF(DD5=3,\"¡Gratis!\",IF(CJ64>CJ67,CJ64-IF(CL47-CL27<=0,0,CL47-CL27),IF(CJ64-(IF(CL47-CL27<0,0,CL47-CL27))<=0,0,CJ64-(IF(CL47-CL27<0,0,CL47-CL27)))))),CL50)>0,SUM(IF(DD5=2,CJ64,IF(DD5=3,\"¡Gratis!\",IF(CJ64>CJ67,CJ64-IF(CL47-CL27<=0,0,CL47-CL27),IF(CJ64-(CL47-CL27)<=0,0,CJ64-(IF(CL47-CL27<0,0,CL47-CL27)))))),CL50),0),IF(CL47<CL27,ADQUISICION!Q280+CL50,ADQUISICION!M280-(CL47-CL27)+CL50)),IF(ADQUISICION!M280=\"\",IF(SUM(IF(DD5=1,CJ64,IF(DD5=3,\"¡Gratis!\",IF(CJ64>CJ67,CJ64-IF(CL47-(CL26-CL27)<=0,0,CL47-(CL26-CL27)),IF(CJ64-(IF(CL47-(CL26-CL27)<0,0,CL47-(CL26-CL27)))<=0,0,CJ64-(IF(CL47-(CL26-CL27)<0,0,CL47-(CL26-CL27))))))),CL50)>0,SUM(IF(DD5=2,CJ64,IF(DD5=3,\"¡Gratis!\",IF(CJ64>CJ67,CJ64-IF(CL47-(CL26-CL27)<=0,0,CL47-(CL26-CL27)),IF(CJ64-(CL47-(CL26-CL27))<=0,0,CJ64-(IF(CL47-(CL26-CL27)<0,0,CL47-(CL26-CL27))))))),CL50),0),IF(CL47<(CL26-CL27),ADQUISICION!M280+CL50,ADQUISICION!M280-(CL47-(CL26-(CL26-CL27)))+CL50)))","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PAGO MILLAR",{"$f":"VLOOKUP(EC5,EB91:EF94,5,0)+(IF(EDADCLIENTE_Liq>=65,EXTRAPRIMAEDAD,FACTORVIDA)+IF(EB5=2,EXTRAPRIMAMEDICA,0)+IF(EB5=3,EXTRAPRIMAOCUPACIONAL,0))*1000","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,2,2,"22",0.55000000000000004,0.13,0.1275,0.1225,null,null,null,null,null,null,null,null,null,null,null,null,"Tasa",null,{"$f":"IF(EU28<4,VLOOKUP(EY65,FG8:FI10,3),VLOOKUP(EY65,FG14:FI15,3))","v":{"$error":"#DIV/0!"}},{"$f":"IF(EU28<4,VLOOKUP(EY65,FG8:FI10,3),VLOOKUP(EY65,FG14:FI15,3))","v":{"$error":"#DIV/0!"}}]
[4,"Pagadoras",2,"Actividad Empresarial",2,"Cuenta(s) de Cheques Banamex","Cuenta(s) de Cheques Banamex y Otros Bancos","Cuenta(s) de Cheques con Otros Bancos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,750000,1810500.0000000002,null,"FINANCIAMIENTO MAXIMO",{"$f":"IF(DD5=1,IF(ADQUISICION!Q280=\"\",IF(CI87<CL67,CI87,CL67),IF(ADQUISICION!Q280<CL67,ADQUISICION!Q280,CL67)),0)","v":0},null,{"$f":"CK26*10%","v":0},null,null,{"$f":"CONCATENATE(Calculos!CO23, Calculos!CO24, Calculos!CO25, Calculos!CO26, Calculos!CO27, Calculos!CO28, Calculos!CO29, Calculos!CO30, Calculos!CO31, IFERROR(Calculos!CO32,\"\"),IFERROR(Calculos!CO33,\"\"), Calculos!CO34, Calculos!CO35, Calculos!CO36, Calculos!CO37, Calculos!CO38, Calculos!CO39,Calculos!CO40, Calculos!CO41, Calculos!CO42, Calculos!CO43,Calculos!CO44,Calculos!CO46, Calculos!CO47, Calculos!CO48, Calculos!CO49, Calculos!CO50, Calculos!CO51, Calculos!CO52, Calculos!CO53, Calculos!CO54, Calculos!CO55, Calculos!CO56, Calculos!CO57, Calculos!CO58, Calculos!CO59, Calculos!CO60, Calculos!CO61, Calculos!CO62, Calculos!CO63, Calculos!CO64, Calculos!CO65, Calculos!CO66)","v":"Para Hipoteca Perfiles Banamex: No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido."},{"$f":"CONCATENATE(CP23, CP24, CP25, CP26, CP27, CP28, CP29, CP30, CP31, IFERROR(CP32,\"\"),IFERROR(CP33,\"\"), CP34, CP35, CP36, CP37, CP38, CP39,CP40, CP41, CP42, CP43,CP44, CP46, CP47, CP48, CP49, CP50, CP51, CP52, CP53, CP54, CP55, CP56, CP57, CP58, CP59, CP60, CP61, CP62, CP63, CP64, CP65, CP66)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COMISION",{"$f":"DR72*1.16%","v":{"$error":"#VALUE!"}},null,null,null,{"$f":"CONCATENATE(Calculos!DV23, Calculos!DV24, Calculos!DV25, Calculos!DV26, Calculos!DV27, Calculos!DV28, Calculos!DV29, Calculos!DV30, Calculos!DV31, IFERROR(Calculos!DV32,\"\"),IFERROR(Calculos!DV33,\"\"), Calculos!DV34, Calculos!DV35, Calculos!DV36, Calculos!DV37, Calculos!DV38, Calculos!DV39,Calculos!DV40, Calculos!DV41, Calculos!DV42, Calculos!DV43,Calculos!DV44, Calculos!DV45, Calculos!DV46, Calculos!DV47, Calculos!DV48, Calculos!DV49, Calculos!DV50, Calculos!DV51, Calculos!DV52, Calculos!DV53, Calculos!DV54, Calculos!DV55, Calculos!DV56, Calculos!DV57, Calculos!DV58, Calculos!DV59, Calculos!DV60, Calculos!DV61, Calculos!DV62, Calculos!DV63, Calculos!DV64, Calculos!DV65, Calculos!DV66)","v":"Para Hipoteca de Liquidez: No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido."},null,null,null,null,null,2,3,"23",0.55000000000000004,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Avaluo",{"$f":"IF('Cambia Tu Hipoteca mas Liquidez'!J17>=FL9,FN9,VLOOKUP('Cambia Tu Hipoteca mas Liquidez'!J17,FL4:FN8,3))","v":{"$error":"#N/A"}},{"$f":"EV67/1.16","v":{"$error":"#N/A"}}]
[null,null,2,"Arrendamiento",3,"Cuenta(s) de Cheques Banamex","Cuenta(s) de Cheques Banamex y Otros Bancos","Cuenta(s) de Cheques con Otros Bancos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,"Persona Moral",{"$f":"0.15","v":0.15},null,null,null,null,null,null,null,null,null,"TASA %",{"$f":"VLOOKUP(AX69,$BI$4:$BK$6,3,1)","v":{"$error":"#DIV/0!"}},{"$f":"AX60/AX42","v":{"$error":"#VALUE!"}},{"$f":"VLOOKUP(IF(AX42<=10000000,AX69,AX60/AX42),IF(AW28=4,$BI$14:$BK$16,$BI$9:$BK$11),3,1)","v":{"$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,null,700000,null,null,{"$f":"+(CH85+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+IF(AND(CH94=TRUE,CH95=TRUE),CI81-CI82,0)-ADQUISICION!M291)/VVIVIENDA","v":{"$error":"#VALUE!"}},{"$f":"+CH70","v":{"$error":"#DIV/0!"}},null,{"$f":"+(CK85+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+IF(AND(CH94=TRUE,CH95=TRUE),CI81-CI82,0)-ADQUISICION!AI291)/VVIVIENDA","v":{"$error":"#VALUE!"}},{"$f":"+CK70","v":{"$error":"#DIV/0!"}},null,null,{"$f":"+IF(VVIVIENDA=\"\",\"\",\"Por promoción de enfoque 20/20 se le regresará el 100% del monto del avalúo al momento de la firma\"&CP20)","v":""},null,null,null,null,null,null,null,null,null,null,null,"VALOR MIN","VALOR MAX","COSTO CIVA","COSTO SIVA","OFE VALOR CIVA","OFE VALOR SIVA",null,null,null,null,null,null,null,null,null,"LINEA PTI",{"$f":"IF(INGRESOMENSUAL_Liq=\"\",\"\",ROUND(((INGRESOMENSUAL_Liq*DR63)-0.8*VVIVIENDA_Liq*FACTORDAÑOS)/DR66,0)*1000)","v":""},null,null,null,null,null,null,null,null,null,1,1,"11",0.6,0.13250000000000001,0.13,0.125,null,null,null,null,null,null,null,null,null,null,null,null,"Comision con IVA",null,{"$f":"EW69","v":{"$error":"#DIV/0!"}},{"$f":"EX69*1.16","v":{"$error":"#DIV/0!"}}]
[null,null,2,"Dividendos",4,"Cuenta(s) de Cheques Banamex","Cuenta(s) de Cheques Banamex y Otros Bancos","Cuenta(s) de Cheques con Otros Bancos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,"Arrendamiento ",0.8,null,null,null,null,null,null,null,null,null,"AFORO",{"$f":"IF(BE28=3,MIN(MAX($BJ$4:$BJ$6),'Cambia Tu Hipoteca'!J17/'Cambia Tu Hipoteca'!J15),MIN(MAX($BJ$4:$BJ$6),('Cambia Tu Hipoteca'!J17+$AX$76)/'Cambia Tu Hipoteca'!J15))","v":{"$error":"#DIV/0!"}},{"$f":"IF(AX42=\"\",$AX$69,$AX$60/$AX$42)","v":{"$error":"#VALUE!"}},{"$f":"IF(BE28=3,MIN(MAX($BJ$9:$BJ$11),'Cambia Tu Hipoteca'!J17/'Cambia Tu Hipoteca'!J15),MIN(MAX($BJ$9:$BJ$11),('Cambia Tu Hipoteca'!J17+$AX$76)/'Cambia Tu Hipoteca'!J15))","v":{"$error":"#DIV/0!"}},{"$f":"IF(AX42=\"\",$AZ$69,$AZ$60/$AX$42)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PF",null,null,"ATM",null,null,null,null,null,null,null,"ATM",null,null,null,null,null,null,null,null,500000,1000000,3500,3017.2413793103451,1750,1508.6206896551726,null,null,null,null,null,null,null,null,null,"LINEA DTI",{"$f":"IF(INGRESOMENSUAL_Liq=\"\",\"\",ROUND(((INGRESOMENSUAL_Liq*DR64)-DS34-0.8*VVIVIENDA_Liq*FACTORDAÑOS)/DR66,0)*1000)","v":""},null,null,null,null,null,null,null,null,null,1,2,"12",0.6,0.13250000000000001,0.13,0.125,null,null,null,null,null,null,null,null,null,null,null,null,"Comision sin IVA",null,{"$f":"IF(FH28=1,EW59*0%,EW59*0.5%)","v":{"$error":"#DIV/0!"}},{"$f":"EX59*0.5%","v":{"$error":"#DIV/0!"}}]
[null,null,2,"Cuenta de Cheques Persona Moral",5,"Cuenta(s) de Cheques Banamex",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,"Dividendos",0.5,null,null,null,null,null,null,null,null,null,"PLAZO",{"$f":"VLOOKUP($BF$28,$AV$30:$BF$32,11,0)*12","v":240},{"$f":"AX70/12","v":20},{"$f":"VLOOKUP($BF$28,$AV$30:$BF$32,11,0)*12","v":240},{"$f":"AX70/12","v":20},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TASA",{"$f":"VLOOKUP(CH71,CO114:CQ116,3)","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR(CZ5=2,CZ5=3),VLOOKUP(CF85,CO114:CQ116,3),VLOOKUP(CI71,CO114:CQ116,3))","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(CH85>=2000000,CO5<3),VLOOKUP(CH71,CT114:CV116,3),\"\")","v":""},{"$f":"VLOOKUP(CK71,CO114:CQ116,3)","v":{"$error":"#DIV/0!"}},{"$f":"VLOOKUP(CL71,CO114:CQ116,3)","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(CK85>=2000000,CO5<3),VLOOKUP(CK71,CT114:CV116,3),\"\")","v":""},{"$f":"IF(AND(CM84>=2000000,CO5<3),VLOOKUP(CK71,CT114:CV116,3),\"\")","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,1,2,3,4,null,null,null,1000001,3000000,5500,4741.3793103448279,2750,2370.6896551724139,null,null,null,null,null,null,null,null,null,"MAX AFORO",{"$f":"IF(VVIVIENDA_Liq<=10000000,VVIVIENDA_Liq*MAX(ED85:ED87),MAX((10000000*MAX(ED85:ED87)+(VVIVIENDA_Liq-10000000)*0.4),VVIVIENDA_Liq*(MAX(ED85:ED87)-10%)))","v":0},null,null,null,null,null,null,null,null,null,1,3,"13",0.6,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GASTOS NOTARIALES",{"$f":"VLOOKUP(FE28,ET30:FE48,12,0)*(EW59+EX59)","v":{"$error":"#DIV/0!"}}]
[null,null,2,"Inversión",6,"Estados de Cuenta Inversión Banamex","Estados de Cuenta Inversión Otro Banco",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,"Banca Privada",0.06,null,null,null,null,null,null,null,null,null,"GASTOS NOTARIALES",{"$f":"IF(BG28<=10,VLOOKUP($BG$28,AV30:BG39,12,0),VLOOKUP(BG28,BF40:BG49,2,0))","v":4.4999999999999998E-2},{"$f":"IF('Cambia Tu Hipoteca'!AG239<>\"\",'Cambia Tu Hipoteca'!AG239,AX43*AX71)","v":0},{"$f":"AX71","v":4.4999999999999998E-2},{"$f":"AY71","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,{"$f":"MIN(MAX(CP114:CP116),IF(CP5=1,IF(MONSOLIENGAN<=200000,200000,MONSOLIENGAN)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY,VVIVIENDA-MONSOLIENGAN-SUBCTAIND-SUBCTACONY+(CI81-CI82))/VVIVIENDA)","v":{"$error":"#DIV/0!"}},"AFORO",{"$f":"MIN(MAX(CP114:CP116),IF(CP5=1,IF(MONSOLIENGAN<=200000,200000,MONSOLIENGAN)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+CJ67,VVIVIENDA-MONSOLIENGAN-SUBCTAIND-SUBCTACONY+(CI81-CI82)+CJ67)/VVIVIENDA)","v":{"$error":"#DIV/0!"}},{"$f":"(CH85+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+IF(AND(CH94=TRUE,CH95=TRUE),CI81-CI82,0))/VVIVIENDA","v":{"$error":"#VALUE!"}},{"$f":"+(MIN(CH84,CH83)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+IF(AND(CH94=TRUE,CH95=TRUE),CI81-CI82,0))/VVIVIENDA","v":{"$error":"#VALUE!"}},{"$f":"MIN(MAX(CP114:CP116),IF(CP5=1,IF(MONSOLIENGAN<=200000,200000,MONSOLIENGAN)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+CJ67,VVIVIENDA-MONSOLIENGAN-SUBCTAIND-SUBCTACONY+(CL81-CL82)+CJ67)/VVIVIENDA)","v":{"$error":"#DIV/0!"}},{"$f":"(CK85+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+IF(AND(CH94=TRUE,CH95=TRUE),CL81-CL82,0))/VVIVIENDA","v":{"$error":"#VALUE!"}},{"$f":"(MIN(CK83,CK84)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+IF(AND(CH94=TRUE,CH95=TRUE),CL81-CL82,0))/VVIVIENDA","v":{"$error":"#VALUE!"}},{"$f":"MIN(MAX(CP114:CP116),IF(CP5=1,IF(MONSOLIENGAN<=200000,200000,MONSOLIENGAN)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY,VVIVIENDA-MONSOLIENGAN-SUBCTAIND-SUBCTACONY+(CL81-CL82))/VVIVIENDA)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,"CTH","MUY BAJO","BAJO","MEDIO","MARGINAL",null,null,null,3000001,5000000,7500,6465.5172413793107,3750,3232.7586206896553,null,null,null,null,null,null,null,null,null,"SOLICITADO",{"$f":"IF(DW5=1,MONSOLIENGAN_Liq,VVIVIENDA_Liq-MONSOLIENGAN_Liq)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PTI",{"$f":"HLOOKUP(EW28,$FA$2:$FD$5,4,0)","v":0.45}]
[null,null,3,"Ingresos Fijos",1,"Nómina Banamex","Cliente Banamex","No Cliente Banamex",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,"Banca Patrimonial",0.06,null,null,null,null,null,null,null,null,null,"PTI",{"$f":"HLOOKUP(AY28,$BC$2:$BF$5,4,0)","v":0.45},null,{"$f":"AX72","v":0.45},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PLAZO",{"$f":"VLOOKUP(CV5,CN104:CQ106,4,0)","v":240},null,null,{"$f":"VLOOKUP(CW5,CN110:CQ110,4,0)","v":240},null,null,null,null,null,null,null,"<35000","DTI",0.5,0.5,{"$f":"IF($DF$5=1,CV72,40%)","v":0.5},0.33950000000000002,null,null,null,5000001,8000000,10500,9051.7241379310344,5250,4525.8620689655172,null,null,null,null,null,null,null,null,null,"LINEA FINAL",{"$f":"IF(OR(VVIVIENDA_Liq=\"\",INGRESOMENSUAL_Liq=\"\",MONSOLIENGAN_Liq=\"\"),\"\",MIN(DR68:DR71))","v":""},null,null,null,null,null,null,null,null,null,2,1,{"$f":"EB72&EC72","v":"21"},0.6,0.13250000000000001,0.13,0.125,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",{"$f":"HLOOKUP(EW28,$BC$2:$BF$5,3,0)","v":0.5}]
[null,null,3,"Ingresos Variables",2,"Nómina Banamex","Cliente Banamex","No Cliente Banamex",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",{"$f":"HLOOKUP(AY28,$BC$2:$BF$5,3,0)","v":0.5},null,{"$f":"AX73","v":0.5},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GASTOS NOTARIALES",{"$f":"IF(CX5<=10,VLOOKUP($CX$5,CN7:CX16,11,0),VLOOKUP($CX$5,CW17:CX25,2,0))","v":0.05},null,null,{"$f":"VLOOKUP(CX5,CN7:CX16,11,0)","v":0.05},null,null,null,{"$f":"IF(AND(CH94=TRUE,CH95=TRUE),IF(MIN(CI87,VVIVIENDA*0.07)-CI81<0,IF(CX5>7,(VVIVIENDA*CH73)-(VVIVIENDA*0.07),0),CI87-CI81),CI87)","v":""},{"$f":"IF(AND(CH94=TRUE,CH95=TRUE),IF(MIN(CL87,VVIVIENDA*0.07)-CL81<0,IF(CX5>7,(VVIVIENDA*CK73)-(VVIVIENDA*0.07),0),CL87-CL81),CL87)","v":""},null,null,null,"PTI",0.45,0.45,{"$f":"IF($DF$5=1,CV73,35%)","v":0.45},0.28949999999999998,null,null,null,8000001,15000000,15500,13362.068965517243,7750,6681.0344827586214,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,2,"22",0.6,0.13250000000000001,0.13,0.125,null,null,null,null,null,null,null,null,null,null,null,null,"CAPACIDAD PAGO",{"$f":"IF(EX51>0,HLOOKUP(EW28,$FA$2:$FD$5,3,0),HLOOKUP(EW28,$FA$2:$FD$5,4,0))","v":0.45}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PAGO MILLAR",{"$f":"VLOOKUP($BF$28,$BI$20:$BK$22,3,0)+IF(OR(AZ28=1,AZ28=2),(IF(AZ28<3,IF(AX41>64,EXTRAPRIMAEDAD,IF(BB28=1,FACTORVIDA,IF(BB28=2,EXTRAPRIMAMEDICA,IF(BB28=3,EXTRAPRIMAOCUPACIONAL,0))))))*1000,0)","v":{"$error":"#DIV/0!"}},{"$f":"VLOOKUP($BF$28,$BI$20:$BK$22,3,0)","v":{"$error":"#DIV/0!"}},{"$f":"VLOOKUP($BF$28,$BI$25:$BK$27,3,0)+IF(OR(AZ28=1,AZ28=2),(IF(AZ28<3,IF(AX41>64,EXTRAPRIMAEDAD,IF(BB28=1,FACTORVIDA,IF(BB28=2,EXTRAPRIMAMEDICA,IF(BB28=3,EXTRAPRIMAOCUPACIONAL,0))))))*1000,0)","v":{"$error":"#DIV/0!"}},{"$f":"VLOOKUP($BF$28,$BI$25:$BK$27,3,0)","v":{"$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,null,"DTI",{"$f":"IF(INGRESOMENSUAL>=35000,HLOOKUP(CQ5,CU59:CX64,5,0),HLOOKUP(CQ5,CU59:CX64,3,0))","v":0.5},{"$f":"IF((DB104+DC104)>=35000*CJ75,HLOOKUP(CQ5,CU59:CX64,5,0),HLOOKUP(CQ5,CU59:CX64,3,0))","v":{"$error":"#VALUE!"}},{"$f":"+HLOOKUP(CQ5,CU59:CX64,3,0)","v":0.5},{"$f":"IF(INGRESOMENSUAL>=35000,HLOOKUP(CQ5,CU70:CX75,5,0),HLOOKUP(CQ5,CU70:CX75,3,0))","v":0.5},{"$f":"IF((DB110+DC110)>=35000*CM75,HLOOKUP(CQ5,CU70:CX75,5,0),HLOOKUP(CQ5,CU70:CX75,3,0))","v":{"$error":"#VALUE!"}},{"$f":"+HLOOKUP(CQ5,CU70:CX75,3,0)","v":0.5},null,null,null,null,null,null,"PTI",0.45,0.45,{"$f":"IF($DF$5=1,CV75,35%)","v":0.45},0.28949999999999998,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AVALUO",{"$f":"VLOOKUP(VVIVIENDA_Liq,EI49:EL55,3)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,1,1,"11",0.65,0.13250000000000001,0.13,0.125]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MENSUALIDAD TOTAL",{"$f":"SUM(AX82:AX84)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COFI LTV",{"$f":"CH85/VVIVIENDA","v":{"$error":"#VALUE!"}},"LINEA FINAL",{"$f":"IF(OR(VVIVIENDA=\"\",INGRESOMENSUAL=\"\",MONSOLIENGAN=\"\"),\"\",MIN(CH84,CH83,CH82,CH81))","v":""},{"$f":"IF(CH85>=1500000,\"SI\",\"NO\")","v":"SI"},{"$f":"+IF(CH85>=8000000,\"SI\",\"NO\")","v":"SI"},{"$f":"IF(OR(VVIVIENDA=\"\",INGRESOMENSUAL=\"\",MONSOLIENGAN=\"\"),\"\",MIN(CK84,CK83,CK82,CK81))","v":""},{"$f":"IF(CK85>=1500000,\"SI\",\"NO\")","v":"SI"},null,2,1,"21",0.1075,0.105,9.2499999999999999E-2,0.105,0.105,9.2499999999999999E-2,0.10249999999999999,0.7,null,null,0.7,0.65,0.55000000000000004,null,null,null,null,null,0.105,8.8800000000000008,null,9.6500000000000002E-2,8.3016670000000001,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$DY$5&$DX$5","v":"11"},0,0.55000000000000004,{"$f":"VLOOKUP(EB85,ED61:EH67,IF(DV5=1,3,IF(DV5=2,4,5)))","v":0.1275},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ingreso ",{"$f":"EV82/$EV$73","v":{"$error":"#DIV/0!"}},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"INGRESO MINIMO",{"$f":"IF(BB60=\"SI\",BB65,AX65)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ENGANCHE",{"$f":"+IF(CH85=\"\",\"\",IF(DD5=2,IF((VVIVIENDA*(1-CI71)-IF(CH94=TRUE,(VVIVIENDA*(1-MAX(CP114:CP116)))+CI82,SUBCTAIND+SUBCTACONY))<0,0,VVIVIENDA*(1-CI71)-IF(CH94=TRUE,(VVIVIENDA*(1-MAX(CP114:CP116)))+CI82,SUBCTAIND+SUBCTACONY)),IF(DD5=1,IF((VVIVIENDA*(1-CI68)-IF(CH94=TRUE,(VVIVIENDA*(1-MAX(CP114:CP116)))+CI82,SUBCTAIND+SUBCTACONY))<0,0,VVIVIENDA*(1-CI68)-IF(CH94=TRUE,(VVIVIENDA*(1-MAX(CP114:CP116)))+CI82,SUBCTAIND+SUBCTACONY)))))","v":""},null,null,{"$f":"+IF(CH85=\"\",\"\",IF(DD5=2,IF((VVIVIENDA*(1-CL71)-IF(CH94=TRUE,(VVIVIENDA*(1-MAX(CP114:CP116)))+CL82,SUBCTAIND+SUBCTACONY))<0,0,VVIVIENDA*(1-CL71)-IF(CH94=TRUE,(VVIVIENDA*(1-MAX(CP114:CP116)))+CL82,SUBCTAIND+SUBCTACONY)),IF(DD5=1,IF((VVIVIENDA*(1-CL68)-IF(CH94=TRUE,(VVIVIENDA*(1-MAX(CP114:CP116)))+CL82,SUBCTAIND+SUBCTACONY))<0,0,VVIVIENDA*(1-CL68)-IF(CH94=TRUE,(VVIVIENDA*(1-MAX(CP114:CP116)))+CL82,SUBCTAIND+SUBCTACONY)))))","v":""},null,null,2,2,"22",{"$f":"IF($CO$5=6,10.25%,IF($CO$5=7,9.8%,10.75%))","v":0.1075},0.105,9.2499999999999999E-2,0.105,0.105,9.2499999999999999E-2,0.10249999999999999,0.7,null,null,0.7,0.65,0.55000000000000004,null,null,null,null,null,0.10249999999999999,8.6716669999999993,null,9.4E-2,8.0933329999999994,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$DY$5&$DX$5","v":"11"},0.56000000000000005,0.6,{"$f":"VLOOKUP(EB86,ED68:EH74,IF(DV5=1,3,IF(DV5=2,4,5)))","v":0.13},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ingreso monto máximo",null,null,null,{"$f":"SUM((IF(EX28>2,0,(EX60*EV42)*((IF(EV41>=65,EXTRAPRIMAEDAD,FACTORVIDA)+IF(EB5=2,EXTRAPRIMAMEDICA,0)+IF(EB5=3,EXTRAPRIMAOCUPACIONAL,0)))))+(EX60*EV42)*ROUNDUP(PMT(EY98/12,EY97,-1000),2)/1000)/$EV$73","v":{"$error":"#DIV/0!"}},{"$f":"SUM((IF(EX28>2,0,(EX60*EV42)*((IF(EV41>=65,EXTRAPRIMAEDAD,FACTORVIDA)+IF(EB5=2,EXTRAPRIMAMEDICA,0)+IF(EB5=3,EXTRAPRIMAOCUPACIONAL,0)))))+(EX60*EV42)*ROUNDUP(PMT(EZ98/12,EZ97,-1000),2)/1000)/$EV$73","v":{"$error":"#DIV/0!"}},{"$f":"SUM((IF(EX28>2,0,(EX60*EV42)*((IF(EV41>=65,EXTRAPRIMAEDAD,FACTORVIDA)+IF(EB5=2,EXTRAPRIMAMEDICA,0)+IF(EB5=3,EXTRAPRIMAOCUPACIONAL,0)))))+(EX60*EV42)*ROUNDUP(PMT(FA98/12,FA97,-1000),2)/1000)/$EV$73","v":{"$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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(BC41,BD40,BC42,BD40,BC43,BD40,BC44,BC45,BC46,BC47,BC48,BC49,BC50,BC51,BC52,BC53,BC54,BC55,BC56,BC57,BC58,BC59,BC60,BC61,BC62,BC63,BC64,BC65,BC66,BC67,BC68,BC69,BC70,BC70,BC71,BC72,BC73,BC74,BC75,BC76,BC77,BC78,BC79,BC80,BC81,BC82,BC83,BC84,BC85,BC86)","v":"     //          //          //     No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GASTOS NOTARIALES",{"$f":"IF(AND(CH94=TRUE,CH95=TRUE),IF(MIN(CI87,VVIVIENDA*0.07)-CI81<0,(VVIVIENDA*CH73)+IF(CH86<=0,(VVIVIENDA*(1-CI71)-IF(CH94=TRUE,(VVIVIENDA*(1-MAX(CP114:CP116)))+CI82,SUBCTAIND+SUBCTACONY)),0),CI87-CI81),CI87)","v":""},{"$f":"IF(VVIVIENDA=\"\",\"\",IF(ADQUISICION!Q280=\"\",VVIVIENDA*CH73,ADQUISICION!Q280))","v":""},null,{"$f":"IF(AND(CH94=TRUE,CH95=TRUE),IF(MIN(CL87,VVIVIENDA*0.07)-CL81<0,IF(CX5>7,(VVIVIENDA*CK73)-(VVIVIENDA*0.07),(VVIVIENDA*CK73)+(VVIVIENDA*(1-CL71)-IF(CH94=TRUE,(VVIVIENDA*(1-MAX(CP114:CP116)))+CL82,SUBCTAIND+SUBCTACONY))),CL87-CL81),CL87)","v":""},{"$f":"IF(VVIVIENDA=\"\",\"\",IF(ADQUISICION!AI280=\"\",VVIVIENDA*CK73,ADQUISICION!AI280))","v":""},null,2,3,"23",0.115,0.1125,0.11,0.115,0.1125,0.11,0.1125,0.7,null,null,0.7,0.65,0.5,null,null,null,null,null,9.2499999999999999E-2,8.0983339999999995,null,0.11749999999999999,9.8241669999999992,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$DY$5&$DX$5","v":"11"},0.60000100000000001,0.65,{"$f":"VLOOKUP(EB87,ED75:EH79,IF(DV5=1,3,IF(DV5=2,4,5)))","v":0.13},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE(FC41,FD40,FC42,FD40,FC43,FD40,FC44,FC45,FC46,FC47,FC48,FC49,FC50,FC51,FC52,FC53,FC54,FC55,FD40,FC57,FC58,FC59,FC60,FC61,FC62,FC63,FC64,FC65,FC66,FC67,FC68,FC69,FC70,FC70,FC71,FC72,FC73,FC74,FC75,FC76,FC77,FC78,FC79,FC80,FC81,FC82,FC83,FC84,FC85,FC86)","v":"     //          //          //          //     No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido."}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COMPARATIVO DE BENEFICIOS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LINEA PTI",1348000,null,null,null,"AVALUO",{"$f":"IF(CI83>=DB74,DD74,IF(CO5=5,VLOOKUP(CI83,DB69:DD74,3)/2,IF(OR(CO5<=5,CO5>5),VLOOKUP(CI83,DB69:DD74,3))))","v":0},{"$f":"IF(CH88=\"Se Cotizará\",\"se Cotizará\",CH88/1.16)","v":0},null,{"$f":"IF(CL83>=DB74,DD74,IF(CO5=5,VLOOKUP(CL83,DB69:DD74,3)/2,IF(CO5<=4,VLOOKUP(CL83,DB69:DD74,3))))","v":0},{"$f":"IF(CK88=\"Se Cotizará\",\"se Cotizará\",CK88/1.16)","v":0},null,1,1,"11",0.1075,{"$f":"IF($CO$5=6,10.25%,IF($CO$5=7,9.8%,10.5%))","v":0.105},9.2499999999999999E-2,0.105,0.105,9.2499999999999999E-2,0.10249999999999999,0.79999989999999999,null,null,0.79999989999999999,0.75,0.6,null,null,null,null,null,0.1095,9.26,null,0.115,9.6158339999999995,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"COMPARATIVO DE BENEFICIOS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LINEA PTI",1348000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PLAZO","PPM","SEGUROS","LINEA PTI","LINEA DTI","LINEA CREDITO","MENSUALIDAD","PAGO TOTAL",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LINEA DTI",1522000,null,null,null,"COMISION",{"$f":"CH85*CH79","v":{"$error":"#VALUE!"}},null,{"$f":"IF(CP5=1,CH85+CK46<CK27,CH85<(CK26-CK27))","v":{"$error":"#VALUE!"}},{"$f":"IF(CO5<=4,CK85*CK79,\"$ 0.00\")","v":{"$error":"#VALUE!"}},null,{"$f":"IF(CP5=1,CH85+CL46<CK27,CH85<(CK26-CK27))","v":{"$error":"#VALUE!"}},1,2,"12",0.1075,0.105,9.2499999999999999E-2,0.105,0.105,9.2499999999999999E-2,0.10249999999999999,0.79999989999999999,null,null,0.79999989999999999,0.75,0.6,null,null,null,null,null,9.9500000000000005E-2,8.56,null,0.1125,9.5050000000000008,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PLAZO","PPM","SEGUROS","LINEA PTI","LINEA DTI","LINEA CREDITO","MENSUALIDAD","PAGO TOTAL",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LINEA DTI",1522000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,1,{"$f":"VLOOKUP(AW90,$AV$30:$BF$39,11,0)*12","v":240},{"$f":"IF(BB60=\"SI\",ROUNDUP(PMT($AZ$68/12,AX90,-1000),2)+IF(OR($AZ$28=1,$AZ$28=2),$AX$16*1000,0)+IF(OR($AZ$28=1,$AZ$28=3),$AX$17*1000,0),ROUNDUP(PMT($AX$68/12,AX90,-1000),2)+IF(OR($AZ$28=1,$AZ$28=2),$AX$16*1000,0)+IF(OR($AZ$28=1,$AZ$28=3),$AX$17*1000,0))","v":{"$error":"#DIV/0!"}},{"$f":"IF(AX41>=65,BC90*EXTRAPRIMAEDAD,IF(OR(AZ28=1,AZ28=2),IF(BB28=1,BC90*FACTORVIDA,IF(BB28=2,BC90*EXTRAPRIMAMEDICA,BC90*EXTRAPRIMAOCUPACIONAL)),0))+IF(OR($AZ$28=1,$AZ$28=3),MAX($BC$90*$AX$17,$AX$42*0.8*$AX$17),0)","v":{"$error":"#VALUE!"}},{"$f":"IF($AX$44=\"\",\"\",ROUND($AX$44*$AX$72/AY90,0)*1000)","v":{"$error":"#DIV/0!"}},{"$f":"IF($AX$44=\"\",\"\",ROUND((($AX$44*$AX$73)-$AZ$51)/AY90,0)*1000)","v":{"$error":"#DIV/0!"}},{"$f":"IF(BB60=\"SI\",IF(SUM($AZ$56:$AZ$60)<=0,\"\",MIN(BA90,BB90,$AZ$58,$AZ$59)),IF(SUM($AX$56:$AX$60)<=0,\"\",MIN(BA90,BB90,$AX$58,$AX$59)))","v":""},{"$f":"BC90*ROUNDUP(PMT(IF(BB60=\"SI\",$AZ$68,$AX$68)/12,AX90,-1000),2)/1000+AZ90","v":{"$error":"#VALUE!"}},{"$f":"BD90*AX90","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MAX AFORO",1402500,null,null,null,"INGRESO",{"$f":"VLOOKUP($CV$5,$CN$104:$CZ$106,13,0)","v":{"$error":"#VALUE!"}},15000,{"$f":"OR(CH81=CH85,CH82=CH85)","v":true},{"$f":"VLOOKUP($CW$5,$CN$110:$CZ$110,13,0)","v":{"$error":"#VALUE!"}},15000,{"$f":"OR(CK81=CK85,CK82=CK85)","v":true},1,3,"13",{"$f":"IF($CO$5=6,10.25%,IF($CO$5=7,9.8%,11.5%))","v":0.115},{"$f":"IF($CO$5=6,10.25%,IF($CO$5=7,9.8%,11.25%))","v":0.1125},{"$f":"IF($CO$5=8,10.25%,IF($CO$5=9,9.8%,11%))","v":0.11},0.115,0.1125,0.11,0.1125,0.79999989999999999,null,null,0.79999989999999999,0.65,0.5,null,null,null,null,null,null,null,null,0.11,9.2966669999999993,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PAGOS FIJOS",null,null,null,"Monto Solicitado",null,null,null,null,"Linea Final",null,null,null,null,null,null,null,null,1,1,{"$f":"VLOOKUP(EU90,$ET$30:$FD$39,11,0)*12","v":240},{"$f":"IF(EW59=\"SI\",ROUNDUP(PMT(EW66/12,EV90,-1000),2)+IF(OR($EX$28=1,$EX$28=2),$EV$16*1000,0)+IF(OR($EX$28=1,$EX$28=3),$EV$17*1000,0),ROUNDUP(PMT(EW66/12,EV90,-1000),2)+IF(OR($EX$28=1,$EX$28=2),$EV$16*1000,0)+IF(OR($EX$28=1,$EX$28=3),$EV$17*1000,0))","v":{"$error":"#DIV/0!"}},{"$f":"IF(EV41>=65,FA90*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,FA90*FACTORVIDA,IF(EZ28=2,FA90*EXTRAPRIMAMEDICA,FA90*EXTRAPRIMAOCUPACIONAL)),0))+IF(OR($EX$28=1,$EX$28=3),MAX($FA$90*$EV$17,$EV$42*0.8*$EV$17),0)","v":{"$error":"#DIV/0!"}},{"$f":"IF($EV$44=\"\",\"\",ROUND($EV$44*EV71/EW90,0)*1000)","v":{"$error":"#DIV/0!"}},{"$f":"IF($EV$44=\"\",\"\",ROUND((($EV$44*EV72)-$EX$51)/EW90,0)*1000)","v":{"$error":"#DIV/0!"}},{"$f":"EW59","v":{"$error":"#DIV/0!"}},{"$f":"FA90*ROUNDUP(PMT($EW$66/12,EV90,-1000),2)/1000+EX90","v":{"$error":"#DIV/0!"}},{"$f":"FB90*EV90","v":{"$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,"MAX AFORO",1402500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,2,{"$f":"VLOOKUP(AW91,$AV$30:$BF$39,11,0)*12","v":180},{"$f":"IF(BB60=\"SI\",ROUNDUP(PMT($AZ$68/12,AX91,-1000),2)+IF(OR($AZ$28=1,$AZ$28=2),$AX$16*1000,0)+IF(OR($AZ$28=1,$AZ$28=3),$AX$17*1000,0),ROUNDUP(PMT($AX$68/12,AX91,-1000),2)+IF(OR($AZ$28=1,$AZ$28=2),$AX$16*1000,0)+IF(OR($AZ$28=1,$AZ$28=3),$AX$17*1000,0))","v":{"$error":"#DIV/0!"}},{"$f":"IF(AX41>=65,BC91*EXTRAPRIMAEDAD,IF(OR(AZ28=1,AZ28=2),IF(BB28=1,BC91*FACTORVIDA,IF(BB28=2,BC91*EXTRAPRIMAMEDICA,BC91*EXTRAPRIMAOCUPACIONAL)),0))+IF(OR($AZ$28=1,$AZ$28=3),MAX($BC$91*$AX$17,$AX$42*0.8*$AX$17),0)","v":{"$error":"#VALUE!"}},{"$f":"IF($AX$44=\"\",\"\",ROUND($AX$44*$AX$72/AY91,0)*1000)","v":{"$error":"#DIV/0!"}},{"$f":"IF($AX$44=\"\",\"\",ROUND((($AX$44*$AX$73)-$AZ$51)/AY91,0)*1000)","v":{"$error":"#DIV/0!"}},{"$f":"IF(BB60=\"SI\",IF(SUM($AZ$56:$AZ$60)<=0,\"\",MIN(BA91,BB91,$AZ$58,$AZ$59)),IF(SUM($AX$56:$AX$60)<=0,\"\",MIN(BA91,BB91,$AX$58,$AX$59)))","v":""},{"$f":"BC91*ROUNDUP(PMT(IF(BB60=\"SI\",$AZ$68,$AX$68)/12,AX91,-1000),2)/1000+AZ91","v":{"$error":"#VALUE!"}},{"$f":"BD91*AX91","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SOLICITADO",1350000,null,null,null,"MENSUALIDAD",{"$f":"VLOOKUP(CV5,CN104:CW106,10,0)","v":{"$error":"#VALUE!"}},null,null,{"$f":"VLOOKUP(CW5,CN110:CW110,10,0)","v":{"$error":"#VALUE!"}},null,null,1,4,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.1075,9.0883339999999997,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ordenado","Plazos","Plazo años","Meses","Pago al millar","Seguros","Mensualidad","Mens c/formula","Ingreso","Pago al millar","Seguros","Mensualidad","Mens c/formula","Ingreso",null,null,null,null,2,2,{"$f":"VLOOKUP(EU91,$ET$30:$FD$39,11,0)*12","v":180},{"$f":"IF(EW59=\"SI\",ROUNDUP(PMT(EW66/12,EV91,-1000),2)+IF(OR($EX$28=1,$EX$28=2),$EV$16*1000,0)+IF(OR($EX$28=1,$EX$28=3),$EV$17*1000,0),ROUNDUP(PMT(EW66/12,EV91,-1000),2)+IF(OR($EX$28=1,$EX$28=2),$EV$16*1000,0)+IF(OR($EX$28=1,$EX$28=3),$EV$17*1000,0))","v":{"$error":"#DIV/0!"}},{"$f":"IF(EV41>=65,FA91*EXTRAPRIMAEDAD,IF(OR(EX28=1,EX28=2),IF(EZ28=1,FA91*FACTORVIDA,IF(EZ28=2,FA91*EXTRAPRIMAMEDICA,FA91*EXTRAPRIMAOCUPACIONAL)),0))+IF(OR($EX$28=1,$EX$28=3),MAX($FA$91*$EV$17,$EV$42*0.8*$EV$17),0)","v":{"$error":"#DIV/0!"}},{"$f":"IF($EV$44=\"\",\"\",ROUND($EV$44*EV71/EW91,0)*1000)","v":{"$error":"#DIV/0!"}},{"$f":"IF($EV$44=\"\",\"\",ROUND((($EV$44*EV72)-$EX$51)/EW91,0)*1000)","v":{"$error":"#DIV/0!"}},{"$f":"EW59","v":{"$error":"#DIV/0!"}},{"$f":"FA91*ROUNDUP(PMT($EW$66/12,EV91,-1000),2)/1000+EX91","v":{"$error":"#DIV/0!"}},{"$f":"FB91*EV91","v":{"$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,"SOLICITADO",1350000]
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[null,"Asalariado","Asalariado","Asalariado","Asalariado","Independiente","Independiente","Independiente","Independiente","Independiente","Independiente","Independiente","Independiente","Independiente","Independiente","Independiente","Independiente","Independiente","Independiente","Independiente","Pagadora","Pagadora","Pagadora","Pagadora",null,null,null,null,"Pagadora","Pagadora",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,2,3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CAT",{"$f":"TablaPerfiles!I16","v":{"$error":"#VALUE!"}},{"$f":"TablaPerfiles!AM127","v":{"$error":"#VALUE!"}},null,{"$f":"TablaATM!J16","v":{"$error":"#VALUE!"}},{"$f":"TablaATM!AO127","v":{"$error":"#VALUE!"}},null,1,2,"12",{"$f":"IF($CO$5=6,10.25%,IF($CO$5=7,9.8%,11%))","v":0.11},{"$f":"IF($CO$5=6,10.25%,IF($CO$5=7,9.8%,10.95%))","v":0.10949999999999999},9.9500000000000005E-2,0.11,0.1095,0.105,0.1075,0.9,null,null,0.9,0.75,0.6,null,null,null,null,null,null,null,null,9.5000000000000001E-2,8.1766670000000001,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,2,3,1,2,3]
[null,"Ingresos Fijos","Ingresos Fijos","Comisionista o Ingresos Variables","Comisionista o Ingresos Variables","Honorarios Profesionales","Honorarios Profesionales","Honorarios Profesionales","Actividad Empresarial","Actividad Empresarial","Actividad Empresarial","Arrendamiento","Arrendamiento","Arrendamiento","Dividendos","Dividendos","Dividendos","Cuenta de Cheques Persona Moral","Inversión","Inversión","Ingresos Fijos","Ingresos Variables","Ingresos Variables","Ingresos Variables",null,null,null,null,"Ingresos Fijos","Ingresos Fijos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PLAZO CREDITO",{"$f":"VLOOKUP(AX96,$AW$90:$AX$92,2,0)","v":240},{"$f":"VLOOKUP(AY96,$AW$90:$AX$92,2,0)","v":180},{"$f":"VLOOKUP(AZ96,$AW$90:$AX$92,2,0)","v":120},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"(CH85+CREDITOINSTITUTOIND+CREDINSTITUTOCONY)/VVIVIENDA","v":{"$error":"#VALUE!"}},null,null,{"$f":"IF(((CH91+DESCUENTIND+DESCUENTCONY)/CH76)<CI90,CI90,(CH91+DESCUENTIND+DESCUENTCONY)/CH76)","v":{"$error":"#VALUE!"}},null,null,{"$f":"IF(((CK91+DESCUENTIND+DESCUENTCONY)/CK76)<CL90,CL90,(CK91+DESCUENTIND+DESCUENTCONY)/CK76)","v":{"$error":"#VALUE!"}},null,null,1,3,"13",{"$f":"IF($CO$5=6,10.25%,IF($CO$5=7,9.8%,11.75%))","v":0.11749999999999999},{"$f":"IF($CO$5=6,10.25%,IF($CO$5=7,9.8%,11.5%))","v":0.115},{"$f":"IF($CO$5=8,10.25%,IF($CO$5=9,9.8%,11.25%))","v":0.1125},0.11749999999999999,0.115,0.1125,0.115,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9.9500000000000005E-2,8.5516670000000001,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PLAZO CREDITO",{"$f":"VLOOKUP(EV96,$EU$90:$EV$92,2,0)","v":240},180,120,240,180,120]
[null,"Recibos de Nómina","Asimilados a Sueldos y Salarios","Recibos de Nómina","Asimilados a Sueldos y Salarios","Cuenta(s) de Cheques Banamex","Cuenta(s) de Cheques Banamex y Otros Bancos","Cuenta(s) de Cheques con Otros Bancos","Cuenta(s) de Cheques Banamex","Cuenta(s) de Cheques Banamex y Otros Bancos","Cuenta(s) de Cheques con Otros Bancos","Cuenta(s) de Cheques Banamex","Cuenta(s) de Cheques Banamex y Otros Bancos","Cuenta(s) de Cheques con Otros Bancos","Cuenta(s) de Cheques Banamex","Cuenta(s) de Cheques Banamex y Otros Bancos","Cuenta(s) de Cheques con Otros Bancos","Cuenta(s) de Cheques Banamex","Estados de Cuenta Inversión Banamex","Estados de Cuenta Inversión Otro Banco","No cliente Banamex","Nómina Banamex","Cliente Banamex","No cliente Banamex",null,null,null,null,"Nómina Banamex","Cliente Banamex",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TASA DE INTERES",{"$f":"IF(BB60=\"NO\",$AX$68,IF(AZ68<>FALSE,AZ68,$AX$68))","v":{"$error":"#DIV/0!"}},{"$f":"IF(BB60=\"NO\",$AX$68,IF(AZ68<>FALSE,AZ68,$AX$68))","v":{"$error":"#DIV/0!"}},{"$f":"IF(BB60=\"NO\",$AX$68,IF(AZ68<>FALSE,AZ68,$AX$68))","v":{"$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,null,null,null,null,null,null,null,null,null,2,1,"21",0.11,0.1095,9.9500000000000005E-2,0.11,0.1095,0.105,0.1075,0.8,null,null,0.8,0.7,0.55000000000000004,null,null,null,null,null,null,null,null,0.1,8.4633339999999997,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TASA DE INTERES",{"$f":"EW66","v":{"$error":"#DIV/0!"}},{"$f":"EW66","v":{"$error":"#DIV/0!"}},{"$f":"EW66","v":{"$error":"#DIV/0!"}},{"$f":"EX66","v":{"$error":"#DIV/0!"}},{"$f":"EX66","v":{"$error":"#DIV/0!"}},{"$f":"EX66","v":{"$error":"#DIV/0!"}}]
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[2,{"$f":"+IF(AND($B$2=1,$G$2=TRUE),I35,CONCATENATE(\"1) \",VLOOKUP($F$2,A35:D38,IF(AW87=TRUE,4,3),FALSE),\" de Nómina. \",\"En caso de no contar con \",IF(F2=1,\"él \",\"ellos \"),\"podrá presentar los últimos 3 meses de estados de cuenta donde se refleja el depósito de nómina.\"))","v":"1) Copia del Último Recibo de Nómina. En caso de no contar con él podrá presentar los últimos 3 meses de estados de cuenta donde se refleja el depósito de nómina."},{"$f":"+IF(AND($B$2=1,$G$2=TRUE),I35,CONCATENATE(\"1) \",VLOOKUP($F$2,A35:D38,IF(AW87=TRUE,4,3),FALSE),\" de Nómina. \",\"En caso de no contar con \",IF(F2=1,\"él \",\"ellos \"),\"podrá presentar los últimos 3 meses de estados de cuenta donde se refleja el depósito de nómina.\"))","v":"1) Copia del Último Recibo de Nómina. En caso de no contar con él podrá presentar los últimos 3 meses de estados de cuenta donde se refleja el depósito de nómina."},{"$f":"+CONCATENATE(\"1) \",VLOOKUP($F$2,$A$35:$D$38,4,FALSE),\" de Nómina.\")","v":"1) Copia de los 6 Últimos Recibos de Nómina."},{"$f":"+CONCATENATE(\"1) \",VLOOKUP($F$2,$A$35:$D$38,4,FALSE),\" de Asimilados a Sueldos y Salarios.\")","v":"1) Copia de los 6 Últimos Recibos de Asimilados a Sueldos y Salarios."},"1) Copia del último mes del Estado de Cuenta de Cheques con depósitos provenientes de la actividad del cliente. Podrá presentar solo comptometro del sistema interno de Banamex. (Vista ejecutivo Sucursal)","1) Copia de los 6 últimos meses de Estados de Cuenta con depósitos provenientes de la actividad del cliente. Cliente Banamex podrá presentar comptometro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal)","1) Copia de los 6 últimos meses de Estados de Cuenta con depósitos provenientes de la actividad del cliente. Cliente Banamex podrá presentar comptometro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal)","1) Copia del último mes del Estado de Cuenta de Cheques con depósitos provenientes de la actividad o negocio del cliente.  Cliente Banamex podrá presentar comptometro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal)","1) Copia de los 6 últimos meses de Estados de Cuenta con depósitos provenientes de la actividad o negocio del cliente.  Cliente Banamex podrá presentar comptometro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal)","1) Copia de los 6 últimos meses de Estados de Cuenta con depósitos provenientes de la actividad o negocio del cliente.  Cliente Banamex podrá presentar comptometro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal)","1) Copia del último mes del Estado de Cuenta de Cheques con depósitos provenientes de la actividad o negocio del cliente.  Cliente Banamex podrá presentar comptometro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal)","1) Copia de los 6 últimos meses de Estados de Cuenta con depósitos provenientes de la actividad o negocio del cliente.  Cliente Banamex podrá presentar comptometro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal)","1) Copia de los 6 últimos meses de Estados de Cuenta con depósitos provenientes de la actividad o negocio del cliente.  Cliente Banamex podrá presentar comptometro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal)","1) Copia del último mes del Estado de Cuenta de Cheques con depósitos provenientes de la actividad o negocio del cliente.  Cliente Banamex podrá presentar comptometro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal)","1) Copia de los 6 últimos meses de Estados de Cuenta con depósitos provenientes de la actividad o negocio del cliente.  Cliente Banamex podrá presentar comptometro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal)","1) Copia de los 6 últimos meses de Estados de Cuenta con depósitos provenientes de la actividad o negocio del cliente.  Cliente Banamex podrá presentar comptometro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal)","1) Copia del  último Estado de Cuenta de la cuenta operativa Banamex de la empresa o empresas con antIgüedad mayor o igual a 4 años. Si la cuenta es de otro banco se requieren 6 meses de estados de cuenta. Cliente Banamex podrá presentar comptómetro de la cuenta de Banamex en vez del Estado de Cuenta. (Vista ejecutivo Sucursal) ",null,"1) Para inversiones en otros bancos se requieren los últimos 6 meses de estados de cuenta, la cual deberá ser de por lo menos $4 mdp ",{"$f":"\"Estados de cuenta con dispersión de Nómina\"&CHAR(10)&\"1) Recibo de nómina del último mes + Estado de Cuenta o\"&CHAR(10)&\"2) Carta constancia de Empleo + 3 meses de Estados de Cuenta\"","v":"Estados de cuenta con dispersión de Nómina\n1) Recibo de nómina del último mes + Estado de Cuenta o\n2) Carta constancia de Empleo + 3 meses de Estados de Cuenta"},{"$f":"\"1) Recibos de Nómina de los últimos 6 meses o\"&CHAR(10)&\"2) Carta Constancia de Empleo con desglose de las percepciones variables de los últimos 6 meses\"","v":"1) Recibos de Nómina de los últimos 6 meses o\n2) Carta Constancia de Empleo con desglose de las percepciones variables de los últimos 6 meses"},{"$f":"\"Estados de cuenta con dispersión de Nómina\"&CHAR(10)&\"1) Recibo de nómina de los últimos 6 meses + Estados de Cuenta del último mes o\"&CHAR(10)&\"2) Carta constancia de Empleo + 6 meses de Estados de Cuenta\"","v":"Estados de cuenta con dispersión de Nómina\n1) Recibo de nómina de los últimos 6 meses + Estados de Cuenta del último mes o\n2) Carta constancia de Empleo + 6 meses de Estados de Cuenta"},{"$f":"\"Estados de cuenta con dispersión de Nómina\"&CHAR(10)&\"1) Recibo de nómina de los últimos 6 meses + Estados de Cuenta del último mes o\"&\"2) Carta constancia de Empleo + 6 meses de Estados de Cuenta\"","v":"Estados de cuenta con dispersión de Nómina\n1) Recibo de nómina de los últimos 6 meses + Estados de Cuenta del último mes o2) Carta constancia de Empleo + 6 meses de Estados de Cuenta"},null,null,null,null,{"$f":"\"1) Recibos de Nómina del último mes o\" & CHAR(10)&\"2) Carta Constancia de Empleo\"","v":"1) Recibos de Nómina del último mes o\n2) Carta Constancia de Empleo"},{"$f":"\"Estados de cuenta con dispersión de Nómina\"&CHAR(10)&\"1) Recibo de nómina del último mes + Estado de Cuenta o\"&CHAR(10)&\"2) Carta constancia de Empleo + 3 meses de Estados de Cuenta\"","v":"Estados de cuenta con dispersión de Nómina\n1) Recibo de nómina del último mes + Estado de Cuenta o\n2) Carta constancia de Empleo + 3 meses de Estados de Cuenta"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CAT SIN IVA",{"$f":"+((IRR(BE106:BE346,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},{"$f":"+((IRR(BP106:BP346,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},{"$f":"+((IRR(CA106:CA346,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TASA",{"$f":"VLOOKUP(CH101,CO120:CQ122,3)","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR(CZ5=2,CZ5=3),VLOOKUP(CF115,CO120:CQ122,3),VLOOKUP(CI101,CO120:CQ122,3))","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(CH115>=2000000,CO5<3),VLOOKUP(CH101,CT120:CV122,3),\"\")","v":""},{"$f":"VLOOKUP(CK101,CO120:CQ122,3)","v":{"$error":"#DIV/0!"}},{"$f":"VLOOKUP(CL101,CO120:CQ122,3)","v":{"$error":"#VALUE!"}},{"$f":"IF(AND(CK115>=2000000,CO5<3),VLOOKUP(CK101,CT120:CV122,3),\"\")","v":""},{"$f":"IF(AND(CM113>=2000000,CO5<3),VLOOKUP(CK101,DD120:DF122,3),\"\")","v":{"$error":"#VALUE!"}},null,"SI(CO5=6,10.25%,SI(CO5=7,9.8%,SI(Y(CO5=8,CQ5=3),10.25%,SI(Y(CO5=9,CQ5=3),9.8%,SI(O(Y(CO5>7,CQ5<3),CO5<5),",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CAT SIN IVA",{"$f":"+((IRR(FC106:FC346,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},{"$f":"+((IRR(FY106:FY346,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},{"$f":"+((IRR(GT106:GT346,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},{"$f":"+((IRR(FN106:FN346,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},{"$f":"+((IRR(GJ106:GJ346,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},{"$f":"+((IRR(HE106:HE346,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}}]
[3,{"$f":"+IF(AND($A$2=1,$G$2=TRUE),I36,IF(OR($H$2=TRUE,$I$3=TRUE),\"2) Copia del último mes del Estados de Cuenta en donde se reflejen los depósitos de Nómina y otras percepciones. No es necesario si es Nómina Banamex\",IF($F$2=1,\"2) Copia del último mes del Estado de Cuenta en donde se refleje el depósito de Nómina y la Carta Laboral. No es necesario si es Nómina Banamex\",\"2) Copia del último mes del Estado de Cuenta en donde se reflejen los depósitos de Nómina y la Carta Laboral. No es necesario si es nómina Banamex)\")))","v":"2) Copia del último mes del Estado de Cuenta en donde se refleje el depósito de Nómina y la Carta Laboral. No es necesario si es Nómina Banamex"},{"$f":"+IF(AND($A$2=1,$G$2=TRUE),I36,IF(OR($H$2=TRUE,$I$3=TRUE),\"2) Copia del último mes del Estados de Cuenta en donde se reflejen los depósitos de Nómina y otras percepciones. No es necesario si es Nómina Banamex\",IF($F$2=1,\"2) Copia del último mes del Estado de Cuenta en donde se refleje el depósito de Nómina y la Carta Laboral. No es necesario si es Nómina Banamex\",\"2) Copia del último mes del Estado de Cuenta en donde se reflejen los depósitos de Nómina y la Carta Laboral. No es necesario si es nómina Banamex)\")))","v":"2) Copia del último mes del Estado de Cuenta en donde se refleje el depósito de Nómina y la Carta Laboral. No es necesario si es Nómina Banamex"},{"$f":"+IF(OR($I$3=TRUE,$H$2=TRUE),\"2) Copia del último Estado de Cuenta en donde se reflejen los depósitos de Nómina, Comisiones y otras percepciones. No es necesario si es Nómina Banamex\",\"2) Copia del último Estado de Cuenta en donde se reflejen los depósitos de Nómina y Comisiones. No es necesario si es Nómina Banamex\")","v":"2) Copia del último Estado de Cuenta en donde se reflejen los depósitos de Nómina y Comisiones. No es necesario si es Nómina Banamex"},{"$f":"+IF(OR($I$3=TRUE,$H$2=TRUE),\"2) Copia del último Estado de Cuenta en donde se reflejen los depósitos de Honorarios, Comisiones y otras percepciones. No es necesario si es Nómina Banamex\",\"2) Copia del último Estado de Cuenta en donde se reflejen los depósitos de Honorarios y Comisiones. No es necesario se es Nómina Banamex\")","v":"2) Copia del último Estado de Cuenta en donde se reflejen los depósitos de Honorarios y Comisiones. No es necesario se es Nómina Banamex"},"2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Comprobar la continuidad y la actividad del negocio con la constancia de situación fiscal.","2) Constancia de Situación fiscal de la persona moral.\n3) Acta constitutiva o el Dictamen Jurídico del Acta de la Persona Moral con detalle de la participación accionaria mayor a el 50% mínimo de participación accionaria. Solo el solicitante o en sumatoria con familia directa (padres, cónyuges, hijos o hermanos)","1) Para inversiones Banamex se requieren los últimos 4 meses de Estados de Cuenta de la Inversión o información interna en la que se pueda validar la base para el cálculo de los ingresos por Inversiones.","2) Declaración anual del último año donde se reportó los intereses de dicha inversión\n",{"$f":"\"Estados de cuenta con depósitos NO Efectivo\"&CHAR(10)&\"1) Recibos del último mes + Estados de Cuenta de los últimos 6 meses y hasta 12 meses.\"","v":"Estados de cuenta con depósitos NO Efectivo\n1) Recibos del último mes + Estados de Cuenta de los últimos 6 meses y hasta 12 meses."},null,{"$f":"\"Estados de cuenta con depósitos NO Efectivo\"&CHAR(10)&\"1) Recibos de los últimos 6 meses + Estados de Cuenta del último mes.\"","v":"Estados de cuenta con depósitos NO Efectivo\n1) Recibos de los últimos 6 meses + Estados de Cuenta del último mes."},{"$f":"\"Estados de cuenta con depósitos NO Efectivo\"&CHAR(10)&\"1) Recibos de los últimos 6 meses + Estados de Cuenta del último mes.\"","v":"Estados de cuenta con depósitos NO Efectivo\n1) Recibos de los últimos 6 meses + Estados de Cuenta del último mes."},null,null,null,null,null,{"$f":"\"Estados de cuenta con depósitos NO Efectivo\"&CHAR(10)&\"1) Recibos del último mes + Estados de Cuenta de los últimos 6 meses y hasta 12 meses.\"","v":"Estados de cuenta con depósitos NO Efectivo\n1) Recibos del último mes + Estados de Cuenta de los últimos 6 meses y hasta 12 meses."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AHORRADAS",{"$f":"IF($AX$45-AX103<=0,0,$AX$45-AX103)","v":0},{"$f":"IF($AX$45-AY103<=0,0,$AX$45-AY103)","v":0},0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MIN(MAX(CP114:CP116),IF(CP5=1,IF(MONSOLIENGAN<=200000,200000,MONSOLIENGAN)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY,VVIVIENDA-MONSOLIENGAN-SUBCTAIND-SUBCTACONY+(CI81-CI82))/VVIVIENDA)","v":{"$error":"#DIV/0!"}},"AFORO",{"$f":"MIN(MAX(CP120:CP122),IF(CP5=1,IF(MONSOLIENGAN<=200000,200000,MONSOLIENGAN)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+CJ67,VVIVIENDA-MONSOLIENGAN-SUBCTAIND-SUBCTACONY+(CI111-CI112)+CJ67)/VVIVIENDA)","v":{"$error":"#DIV/0!"}},{"$f":"(CH115+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+IF(AND(CH124=TRUE,CH125=TRUE),CI111-CI112,0))/VVIVIENDA","v":{"$error":"#VALUE!"}},{"$f":"(MIN(CH113,CH114)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+IF(AND(CH124=TRUE,CH125=TRUE),CI111-CI112,0))/VVIVIENDA","v":{"$error":"#VALUE!"}},{"$f":"MIN(MAX(CP120:CP122),IF(CP5=1,IF(MONSOLIENGAN<=200000,200000,MONSOLIENGAN)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+CJ67,VVIVIENDA-MONSOLIENGAN-SUBCTAIND-SUBCTACONY+(CL111-CL112)+CJ67)/VVIVIENDA)","v":{"$error":"#DIV/0!"}},{"$f":"(CK115+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+IF(AND(CH124=TRUE,CH125=TRUE),CL111-CL112,0))/VVIVIENDA","v":{"$error":"#VALUE!"}},{"$f":"+(MIN(CK114,CK113)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY+IF(AND(CH124=TRUE,CH125=TRUE),CL111-CL112,0))/VVIVIENDA","v":{"$error":"#VALUE!"}},{"$f":"MIN(MAX(CP114:CP116),IF(CP5=1,IF(MONSOLIENGAN<=200000,200000,MONSOLIENGAN)+CREDITOINSTITUTOIND+CREDINSTITUTOCONY,VVIVIENDA-MONSOLIENGAN-SUBCTAIND-SUBCTACONY+(CL81-CL82))/VVIVIENDA)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AHORRADAS",{"$f":"IF($EV$45-EV103<=0,0,$EV$45-EV103)","v":0},{"$f":"IF($EV$45-EW103<=0,0,$EV$45-EW103)","v":0},{"$f":"IF($EV$45-EX103<=0,0,$EV$45-EX103)","v":0}]
[4,{"$f":"+IF(AND($A$2=1,$G$2=TRUE),I37,\"Para probar la continuidad laboral se podrá presentar:\")","v":"Para probar la continuidad laboral se podrá presentar:"},{"$f":"+IF(AND($A$2=1,$G$2=TRUE),I37,\"Para probar la continuidad laboral se podrá presentar:\")","v":"Para probar la continuidad laboral se podrá presentar:"},null,"3) Carta laboral que mencione: fecha de emisión, nombre del empleado, denominación o razón social de la empresa que lo expide, la antigüedad laboral, nombre, firma, teléfono de quien expide la carta.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3) EDD\n",{"$f":"\"Estados de cuenta con depósitos Efectivo.\"&CHAR(10)&\"2) Recibos de nómina timbrado de los últimos 12 meses + 3 meses de Estado de Cuenta.\"","v":"Estados de cuenta con depósitos Efectivo.\n2) Recibos de nómina timbrado de los últimos 12 meses + 3 meses de Estado de Cuenta."},null,{"$f":"\"Estados de cuenta con depósitos Efectivo.\"&CHAR(10)&\"2) Recibos de nómina timbrado de los últimos 6 meses + 3 meses de Estado de Cuenta.\"","v":"Estados de cuenta con depósitos Efectivo.\n2) Recibos de nómina timbrado de los últimos 6 meses + 3 meses de Estado de Cuenta."},{"$f":"\"Estados de cuenta con depósitos Efectivo.\"&CHAR(10)&\"2) Recibos de nómina timbrado de los últimos 6 meses + 3 meses de Estado de Cuenta.\"","v":"Estados de cuenta con depósitos Efectivo.\n2) Recibos de nómina timbrado de los últimos 6 meses + 3 meses de Estado de Cuenta."},null,null,null,null,null,{"$f":"\"Estados de cuenta con depósitos Efectivo.\"&CHAR(10)&\"2) Recibos de nómina timbrado de los últimos 12 meses + 3 meses de Estado de Cuenta.\"","v":"Estados de cuenta con depósitos Efectivo.\n2) Recibos de nómina timbrado de los últimos 12 meses + 3 meses de Estado de Cuenta."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL AHORRADO",{"$f":"SUM(BE107:BE346)","v":{"$error":"#VALUE!"}},{"$f":"SUM(BP107:BP346)","v":{"$error":"#VALUE!"}},{"$f":"SUM(CA107:CA346)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PLAZO",{"$f":"VLOOKUP(CV5,CN127:CQ129,4,0)","v":240},null,null,{"$f":"VLOOKUP(CW5,CN110:CQ110,4,0)","v":240},null,null,"PAGOS FIJOS",null,null,null,null,null,null,null,null,null,"VS SOLICITADO",null,null,null,"VS SOLICITADO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL AHORRADO",{"$f":"SUM(FC107:FC346)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(FY107:FY346)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(GT107:GT226)","v":{"$error":"#DIV/0!"}}]
[5,{"$f":"+IF(AND($A$2=1,$G$2=TRUE),I38,\"1) Que el recibo de nómina contenga la fecha de antigüedad laboral o,\n2) Entregar reporte de semanas cotizadas en IMSS o ISSSTE o,\n3) Entregar recibo de nómina del mismo empleo de un años atrás o,\")","v":"1) Que el recibo de nómina contenga la fecha de antigüedad laboral o,\n2) Entregar reporte de semanas cotizadas en IMSS o ISSSTE o,\n3) Entregar recibo de nómina del mismo empleo de un años atrás o,"},{"$f":"+IF(AND($A$2=1,$G$2=TRUE),I38,\"1) Que el recibo de nómina contenga la fecha de antigüedad laboral o,\n2) Entregar reporte de semanas cotizadas en IMSS o ISSSTE o,\n3) Entregar recibo de nómina del mismo empleo de un años atrás o,\")","v":"1) Que el recibo de nómina contenga la fecha de antigüedad laboral o,\n2) Entregar reporte de semanas cotizadas en IMSS o ISSSTE o,\n3) Entregar recibo de nómina del mismo empleo de un años atrás o,"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5) Copia de la Declaración anual de la empresa del último ejercicio exigible y su acuse de recibo electrónico, adicionalmente deberá presentar los estados financieros reportados al SAT. (NO es válido empresas con pérdidas o capital contable negativo)",null,"4) Verificación domiciliaria",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MENSUALIDADES",{"$f":"COUNTIF(AX107:AX346,\">0\")","v":0},{"$f":"COUNTIF(BI107:BI346,\">0\")","v":0},{"$f":"COUNTIF(BT107:BT346,\">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,null,"GASTOS NOTARIALES",{"$f":"VLOOKUP(CX5,CN7:CX16,11,0)","v":0.05},null,null,{"$f":"VLOOKUP(CX5,CN7:CX16,11,0)","v":0.05},null,null,"ordenado","Plazos","Plazo años","Meses","Pago al millar","Seguros","Mensualidad","Mens c/formula","Pago al millar","Mensualidad","Mensualidad","Seguros","Ingreso","Pago al millar","Mensualidad","Seguros","Ingreso",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MENSUALIDADES",{"$f":"COUNTIF(EV107:EV346,\">0\")","v":0},{"$f":"COUNTIF(FS107:FS346,\">0\")","v":0},{"$f":"COUNTIF(GN107:GN226,\">0\")","v":0}]
[6,{"$f":"IF(AND($A$2=1,$G$2=TRUE),I39,IF($I$3=TRUE,CONCATENATE(\"4) \",VLOOKUP($I$2,$S$35:$U$40,3,FALSE),\" de Nómina y Estados de Cuenta (complementarios al sueldo base) donde se reflejen las percepciones por Bonos. (No aplica Edos. de Cuenta si es Nómina Banamex)\"),\"4) Carta laboral que mencione: fecha de emisión, nombre del empleado, denominación o razón social de la empresa que lo expide, la antigüedad laboral, nombre, firma, teléfono de quien expide la carta.\"))","v":"4) Carta laboral que mencione: fecha de emisión, nombre del empleado, denominación o razón social de la empresa que lo expide, la antigüedad laboral, nombre, firma, teléfono de quien expide la carta."},{"$f":"IF(AND($A$2=1,$G$2=TRUE),I39,IF($I$3=TRUE,CONCATENATE(\"4) \",VLOOKUP($I$2,$S$35:$U$40,3,FALSE),\" de Nómina y Estados de Cuenta (complementarios al sueldo base) donde se reflejen las percepciones por Bonos. (No aplica Edos. de Cuenta si es Nómina Banamex)\"),\"4) Carta laboral que mencione: fecha de emisión, nombre del empleado, denominación o razón social de la empresa que lo expide, la antigüedad laboral, nombre, firma, teléfono de quien expide la carta.\"))","v":"4) Carta laboral que mencione: fecha de emisión, nombre del empleado, denominación o razón social de la empresa que lo expide, la antigüedad laboral, nombre, firma, teléfono de quien expide la carta."},{"$f":"+IF($I$3=TRUE,CONCATENATE(\"4) \",VLOOKUP($I$2,$S$35:$U$39,3,FALSE),\" de Nómina y Estados de Cuenta (complementarios al sueldo base) donde se reflejen las percepciones por Bonos. (No aplica Edos. de Cuenta si es Nómina Banamex)\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"6) Copia del reporte especial de Buró de crédito de la persona moral.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PTI",{"$f":"IF(INGRESOMENSUAL>=35000,HLOOKUP(CQ5,CU59:CX64,6,0),HLOOKUP(CQ5,CU59:CX64,4,0))","v":0.45},{"$f":"IF((DB127+DC127)>=35000*CJ104,HLOOKUP(CQ5,CU59:CX64,6,0),HLOOKUP(CQ5,CU59:CX64,4,0))","v":{"$error":"#VALUE!"}},{"$f":"+HLOOKUP(CQ5,CU59:CX64,4,0)","v":0.45},{"$f":"IF(INGRESOMENSUAL>=35000,HLOOKUP(CQ5,CU70:CX75,6,0),HLOOKUP(CQ5,CU70:CX75,4,0))","v":0.45},{"$f":"IF((DB132+DC132)>=35000*CM104,HLOOKUP(CQ5,CU70:CX75,6,0),HLOOKUP(CQ5,CU70:CX75,4,0))","v":{"$error":"#VALUE!"}},{"$f":"+HLOOKUP(CQ5,CU70:CX75,4,0)","v":0.45},1,"20 Años",20,240,{"$f":"ROUNDUP(PMT($CH$70/12,CQ104,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR($CS$5=1,$CS$5=2),$CH$85*(IF(CS5<3,IF(CK25>64,EXTRAPRIMAEDAD,IF(CU5=1,FACTORVIDA,IF(CU5=2,EXTRAPRIMAMEDICA,IF(CU5=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR($CS$5=1,$CS$5=3),MAX($CK$26*0.8*FACTORDAÑOS,$CH$85*FACTORDAÑOS),0)","v":{"$error":"#VALUE!"}},{"$f":"$CH$85*CR104/1000+CS104","v":{"$error":"#VALUE!"}},{"$f":"PMT($CH$70/12,CQ104,-$CH$85)+CS104","v":{"$error":"#DIV/0!"}},{"$f":"ROUNDUP(PMT(IF(CI70=\"\",CH70,CI70)/12,CQ104,-1000),2)","v":{"$error":"#VALUE!"}},{"$f":"$CH$85*CV104/1000+CS104","v":{"$error":"#VALUE!"}},{"$f":"$CH$84*ROUNDUP(PMT($CK$48/12,CP104*12,-1000),2)/1000","v":{"$error":"#VALUE!"}},{"$f":"IF(OR($CS$5=1,$CS$5=2),$CH$84*(IF(CS5<3,IF(CK25>64,EXTRAPRIMAEDAD,IF(CU5=1,FACTORVIDA,IF(CU5=2,EXTRAPRIMAMEDICA,IF(CU5=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR($CS$5=1,$CS$5=3),MAX($CK$26*0.8*FACTORDAÑOS,$CH$84*FACTORDAÑOS),0)","v":{"$error":"#VALUE!"}},{"$f":"IF((((CX104+CY104)+DESCUENTIND+DESCUENTCONY)/$CH$74)<$CI$90,$CI$90,((CX104+CY104)+DESCUENTIND+DESCUENTCONY)/$CH$74)","v":{"$error":"#VALUE!"}},{"$f":"ROUNDUP(PMT($CJ$68/12,CQ104,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"$CJ$84*ROUNDUP(PMT($CJ$48/12,CP104*12,-1000),2)/1000","v":{"$error":"#VALUE!"}},{"$f":"IF(OR($CS$5=1,$CS$5=2),$CJ$84*(IF(CS5<3,IF(CK25>64,EXTRAPRIMAEDAD,IF(CU5=1,FACTORVIDA,IF(CU5=2,EXTRAPRIMAMEDICA,IF(CU5=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR($CS$5=1,$CS$5=3),MAX($CK$26*0.8*FACTORDAÑOS,$CJ$84*FACTORDAÑOS),0)","v":{"$error":"#VALUE!"}},{"$f":"IF(CK34=\"\",IF((((DB104+DC104)+DESCUENTIND+DESCUENTCONY)/$CI$76)<$CI$90,$CI$90,((DB104+DC104)+DESCUENTIND+DESCUENTCONY+CK34)/$CI$76),IF((((DB104+DC104)+DESCUENTIND+DESCUENTCONY+CK34)/$CI$76)<$CI$90,$CI$90,((DB104+DC104)+DESCUENTIND+DESCUENTCONY+CK34)/$CI$76))","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CAMBIA TU HIPOTECA",null,null,null,null,null,null,null,null,null,"Liquidez",null,null,null,null,null,null,null,null,null,null,null,"CAMBIA TU HIPOTECA",null,null,null,null,null,null,null,null,null,"Liquidez",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Liquidez"]
["Notas",{"$f":"IF(AND($A$2=1,$G$2=TRUE),I41,I40)","v":"1) La fecha de emisión del Recibo de Nómina y del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación etapa 1. \n2) Para la Carta Laboral no se exige una vigencia.\n\n**JUBILADOS Y PENSIONADOS**\na) La pensión debe ser VITALICIA\nb) No es necesaria la Carta Laboral para jubilados y pensionados que reciban su pension con servicio de Nómina.\n\n**Recibos de nómina pagadoras**\nPara empresas pagadoras o de subcontratación: \n•\tPodrá aceptarse que cambie la razón social siempre que cubra el año de continuidad laboral, siempre y cuando el ingreso y empleo sea el mismo sin periodos de inactividad. \n•\tNo será obligatoria la carta laboral cuando se pueda demostrar la continuidad laborar con otro documento y los recibos de nómina contengan CFDI registrado en SAT (que estén fiscalizados)"},{"$f":"IF(AND($A$2=1,$G$2=TRUE),I41,I40)","v":"1) La fecha de emisión del Recibo de Nómina y del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación etapa 1. \n2) Para la Carta Laboral no se exige una vigencia.\n\n**JUBILADOS Y PENSIONADOS**\na) La pensión debe ser VITALICIA\nb) No es necesaria la Carta Laboral para jubilados y pensionados que reciban su pension con servicio de Nómina.\n\n**Recibos de nómina pagadoras**\nPara empresas pagadoras o de subcontratación: \n•\tPodrá aceptarse que cambie la razón social siempre que cubra el año de continuidad laboral, siempre y cuando el ingreso y empleo sea el mismo sin periodos de inactividad. \n•\tNo será obligatoria la carta laboral cuando se pueda demostrar la continuidad laborar con otro documento y los recibos de nómina contengan CFDI registrado en SAT (que estén fiscalizados)"},"**ESTE TIPO DE INGRESO DEBERÁ REFLEJAR UN INGRESO FIJO COMO BASE MÁS LAS COMISIONES**\n1) La percepción por comisiones deberá reflejarse al menos 4 meses de los últimos 6 meses y en un recibo de cada dos meses.\n2) Para la Carta Laboral no se exige una vigencia.\n\n**Recibos de nómina pagadoras**\nPara empresas pagadoras o de subcontratación: \n•\tPodrá aceptarse que cambie la razón social siempre que cubra el año de continuidad laboral, siempre y cuando el ingreso y empleo sea el mismo sin periodos de inactividad. \n•\tNo será obligatoria la carta laboral cuando se pueda demostrar la continuidad laborar con otro documento y los recibos de nómina contengan CFDI registrado en SAT (que estén fiscalizados)","**ESTE TIPO DE INGRESO DEBERÁ REFLEJAR UN INGRESO FIJO COMO BASE MÁS LAS COMISIONES**\n1) La percepción por comisiones deberá reflejarse al menos 4 meses de los últimos 6 meses y en un recibo de cada dos meses.\n2) Para la Carta Laboral no se exige una vigencia.\n\n**Recibos de nómina pagadoras**\nPara empresas pagadoras o de subcontratación: \n•\tPodrá aceptarse que cambie la razón social siempre que cubra el año de continuidad laboral, siempre y cuando el ingreso y empleo sea el mismo sin periodos de inactividad. \n•\tNo será obligatoria la carta laboral cuando se pueda demostrar la continuidad laborar con otro documento y los recibos de nómina contengan CFDI registrado en SAT (que estén fiscalizados)","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación.\n3) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral.\n4) Se podrán comprobar ingresos con cuentas de cheques Banamex: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación.\n3) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral.\n4) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc.\n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n3) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral.\n3) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de autorización del crédito.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación\n3) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral.\n4) Se podrán comprobar ingresos con cuentas de cheques Banamex: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de de ingreso a dictaminación\n3) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral.\n4) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de de ingreso a dictaminación.\n2) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral..\n3) Se podrán comprobar ingresos con  cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación\n3) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral.\n4) Se podrán comprobar ingresos con cuentas de cheques Banamex: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación\n3) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral.\n4) Se podrán comprobar ingresos con  cuentas de cheques: \n  a)Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral..\n3) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación\n3) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral.\n4) Se podrán comprobar ingresos con cuentas de cheques Banamex: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación\n3) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral.\n4) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n3) Se requiere que el cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral.\n3) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n","**Este tipo de Ingreso NO podrá aplicarse para compra entre cónyuges, familiares directos, entre socios o a la empresa de la cual es accionista**\n1)Se requerirá entregar el cuestionario EDD de las Personas Morales en los casos que asi se determine.\n2) Se pueden considerar varias cuentas de cheques.\n3) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n4) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación.\n5) Se requiere que el cliente que compruebe un arraigo laboral de 4 años de antigüedad en el negocio y 4 años para persona moral.\n6) Se podrán comprobar ingresos con cuentas de cheques Banamex: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo. (Solo se permitirá que un mes no se cumpla con esta regla)\n  c) Son validos los estados de cuenta que llegan por un correo digital, completos con todas las hojas con cadenas digitales y códigos QR.","**Para inversiones Banamex, se puede tomar como valido las pantallas o consultas de los sistemas internos del banco donde se detalle el saldo de los últimos 4 meses y la titularidad del cliente**\n","** Esta comprobación solo aplica para cientes nivel de riesgo Low y Very Low","a)El participante debe demostrar permanencia en el empleo actual mínimo de 1 año, si el cliente tiene menos de 1 año podrá ser aceptado siempre y cuando a la fecha de autorización tenga una permanencia ≥ 6 meses en el empleo actual y en el empleo anterior estuvo como mínimo 1 año y el periodo de inactividad no es mayor a 2 meses y deberá ser validado al menos mediante una Verificación Telefónica en Etapa 2 o Etapa Única.\nb)Si el arraigo en el empleo es < 6 meses se podrá considerar siempre y cuando en el empleo anterior estuvo como mínimo 2 años y el periodo de inactividad no es mayor a 2 meses, se deberá validar al menos mediante Verificación telefónica en Etapa 2 o Etapa Única. \nSi tuvo más de 1 periodo de inactividad, la suma de los periodos no fue mayor a 2 meses, se podrá aprobar por un Nivel Facultado.\nDe forma adicional, para Asalariados en Quintana Roo, donde el empleado estuvo contratado por más de una empresa de subcontratación la suma de los periodos de inactividad no podrá ser mayor a 3 meses y no podrá tener más de 2 meses de forma consecutiva, en los casos en los que existan faltantes se deberá entregar hasta 3 meses adicionales de comprobantes (periodo de 15 meses continuos), ya que se debe observar en los comprobantes elementos que acrediten una continuidad laboral de 12 meses.\n","a)El participante debe demostrar permanencia en el empleo actual mínimo de 1 año, si el cliente tiene menos de 1 año podrá ser aceptado siempre y cuando a la fecha de autorización tenga una permanencia ≥ 6 meses en el empleo actual y en el empleo anterior estuvo como mínimo 1 año y el periodo de inactividad no es mayor a 2 meses y deberá ser validado al menos mediante una Verificación Telefónica en Etapa 2 o Etapa Única.\nb)Si el arraigo en el empleo es < 6 meses se podrá considerar siempre y cuando en el empleo anterior estuvo como mínimo 2 años y el periodo de inactividad no es mayor a 2 meses, se deberá validar al menos mediante Verificación telefónica en Etapa 2 o Etapa Única. \nSi tuvo más de 1 periodo de inactividad, la suma de los periodos no fue mayor a 2 meses, se podrá aprobar por un Nivel Facultado.\nDe forma adicional, para Asalariados en Quintana Roo, donde el empleado estuvo contratado por más de una empresa de subcontratación la suma de los periodos de inactividad no podrá ser mayor a 3 meses y no podrá tener más de 2 meses de forma consecutiva, en los casos en los que existan faltantes se deberá entregar hasta 3 meses adicionales de comprobantes (periodo de 15 meses continuos), ya que se debe observar en los comprobantes elementos que acrediten una continuidad laboral de 12 meses.\n","a)El participante debe demostrar permanencia en el empleo actual mínimo de 1 año, si el cliente tiene menos de 1 año podrá ser aceptado siempre y cuando a la fecha de autorización tenga una permanencia ≥ 6 meses en el empleo actual y en el empleo anterior estuvo como mínimo 1 año y el periodo de inactividad no es mayor a 2 meses y deberá ser validado al menos mediante una Verificación Telefónica en Etapa 2 o Etapa Única.\nb)Si el arraigo en el empleo es < 6 meses se podrá considerar siempre y cuando en el empleo anterior estuvo como mínimo 2 años y el periodo de inactividad no es mayor a 2 meses, se deberá validar al menos mediante Verificación telefónica en Etapa 2 o Etapa Única. \nSi tuvo más de 1 periodo de inactividad, la suma de los periodos no fue mayor a 2 meses, se podrá aprobar por un Nivel Facultado.\nDe forma adicional, para Asalariados en Quintana Roo, donde el empleado estuvo contratado por más de una empresa de subcontratación la suma de los periodos de inactividad no podrá ser mayor a 3 meses y no podrá tener más de 2 meses de forma consecutiva, en los casos en los que existan faltantes se deberá entregar hasta 3 meses adicionales de comprobantes (periodo de 15 meses continuos), ya que se debe observar en los comprobantes elementos que acrediten una continuidad laboral de 12 meses.\n","a)El participante debe demostrar permanencia en el empleo actual mínimo de 1 año, si el cliente tiene menos de 1 año podrá ser aceptado siempre y cuando a la fecha de autorización tenga una permanencia ≥ 6 meses en el empleo actual y en el empleo anterior estuvo como mínimo 1 año y el periodo de inactividad no es mayor a 2 meses y deberá ser validado al menos mediante una Verificación Telefónica en Etapa 2 o Etapa Única.\nb)Si el arraigo en el empleo es < 6 meses se podrá considerar siempre y cuando en el empleo anterior estuvo como mínimo 2 años y el periodo de inactividad no es mayor a 2 meses, se deberá validar al menos mediante Verificación telefónica en Etapa 2 o Etapa Única. \nSi tuvo más de 1 periodo de inactividad, la suma de los periodos no fue mayor a 2 meses, se podrá aprobar por un Nivel Facultado.\nDe forma adicional, para Asalariados en Quintana Roo, donde el empleado estuvo contratado por más de una empresa de subcontratación la suma de los periodos de inactividad no podrá ser mayor a 3 meses y no podrá tener más de 2 meses de forma consecutiva, en los casos en los que existan faltantes se deberá entregar hasta 3 meses adicionales de comprobantes (periodo de 15 meses continuos), ya que se debe observar en los comprobantes elementos que acrediten una continuidad laboral de 12 meses.\n",null,null,null,null,"a)El participante debe demostrar permanencia en el empleo actual mínimo de 1 año, si el cliente tiene menos de 1 año podrá ser aceptado siempre y cuando a la fecha de autorización tenga una permanencia ≥ 6 meses en el empleo actual y en el empleo anterior estuvo como mínimo 1 año y el periodo de inactividad no es mayor a 2 meses y deberá ser validado al menos mediante una Verificación Telefónica en Etapa 2 o Etapa Única.\nb)Si el arraigo en el empleo es < 6 meses se podrá considerar siempre y cuando en el empleo anterior estuvo como mínimo 2 años y el periodo de inactividad no es mayor a 2 meses, se deberá validar al menos mediante Verificación telefónica en Etapa 2 o Etapa Única. \nSi tuvo más de 1 periodo de inactividad, la suma de los periodos no fue mayor a 2 meses, se podrá aprobar por un Nivel Facultado.\nDe forma adicional, para Asalariados en Quintana Roo, donde el empleado estuvo contratado por más de una empresa de subcontratación la suma de los periodos de inactividad no podrá ser mayor a 3 meses y no podrá tener más de 2 meses de forma consecutiva, en los casos en los que existan faltantes se deberá entregar hasta 3 meses adicionales de comprobantes (periodo de 15 meses continuos), ya que se debe observar en los comprobantes elementos que acrediten una continuidad laboral de 12 meses.\n","a)El participante debe demostrar permanencia en el empleo actual mínimo de 1 año, si el cliente tiene menos de 1 año podrá ser aceptado siempre y cuando a la fecha de autorización tenga una permanencia ≥ 6 meses en el empleo actual y en el empleo anterior estuvo como mínimo 1 año y el periodo de inactividad no es mayor a 2 meses y deberá ser validado al menos mediante una Verificación Telefónica en Etapa 2 o Etapa Única.\nb)Si el arraigo en el empleo es < 6 meses se podrá considerar siempre y cuando en el empleo anterior estuvo como mínimo 2 años y el periodo de inactividad no es mayor a 2 meses, se deberá validar al menos mediante Verificación telefónica en Etapa 2 o Etapa Única. \nSi tuvo más de 1 periodo de inactividad, la suma de los periodos no fue mayor a 2 meses, se podrá aprobar por un Nivel Facultado.\nDe forma adicional, para Asalariados en Quintana Roo, donde el empleado estuvo contratado por más de una empresa de subcontratación la suma de los periodos de inactividad no podrá ser mayor a 3 meses y no podrá tener más de 2 meses de forma consecutiva, en los casos en los que existan faltantes se deberá entregar hasta 3 meses adicionales de comprobantes (periodo de 15 meses continuos), ya que se debe observar en los comprobantes elementos que acrediten una continuidad laboral de 12 meses.\n",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MES","SALDO CAPITAL","PAGO CAPITAL","PAGO INTERES","PPM","PAGO CAPITAL + INT","SEGUROS","DIFERENCIA PAGO ACTUAL","PAGO MENSUALIDAD TOTAL",null,null,"MES","SALDO CAPITAL","PAGO CAPITAL","PAGO INTERES","PPM","PAGO CAPITAL + INT","SEGUROS","DIFERENCIA PAGO ACTUAL","PAGO MENSUALIDAD TOTAL",null,null,"MES","SALDO CAPITAL","PAGO CAPITAL","PAGO INTERES","PPM","PAGO CAPITAL + INT","SEGUROS","DIFERENCIA PAGO ACTUAL","PAGO MENSUALIDAD TOTAL",null,null,null,null,null,"DTI",{"$f":"IF(INGRESOMENSUAL>=35000,HLOOKUP(CQ5,CU59:CX64,5,0),HLOOKUP(CQ5,CU59:CX64,3,0))","v":0.5},{"$f":"IF((DB127+DC127)>=35000*CJ105,HLOOKUP(CQ5,CU59:CX64,5,0),HLOOKUP(CQ5,CU59:CX64,3,0))","v":{"$error":"#VALUE!"}},{"$f":"+HLOOKUP(CQ5,CU59:CX64,3,0)","v":0.5},{"$f":"IF(INGRESOMENSUAL>=35000,HLOOKUP(CQ5,CU70:CX75,5,0),HLOOKUP(CQ5,CU70:CX75,3,0))","v":0.5},{"$f":"IF((DB132+DC132)>=35000*CM105,HLOOKUP(CQ5,CU70:CX75,5,0),HLOOKUP(CQ5,CU70:CX75,3,0))","v":{"$error":"#VALUE!"}},{"$f":"+HLOOKUP(CQ5,CU70:CX75,3,0)","v":0.5},2,"15 Años",15,180,{"$f":"ROUNDUP(PMT($CH$70/12,CQ105,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR($CS$5=1,$CS$5=2),$CH$85*(IF(CS5<3,IF(CK25>64,EXTRAPRIMAEDAD,IF(CU5=1,FACTORVIDA,IF(CU5=2,EXTRAPRIMAMEDICA,IF(CU5=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR($CS$5=1,$CS$5=3),MAX($CK$26*0.8*FACTORDAÑOS,$CH$85*FACTORDAÑOS),0)","v":{"$error":"#VALUE!"}},{"$f":"$CH$85*CR105/1000+CS105","v":{"$error":"#VALUE!"}},{"$f":"PMT($CH$70/12,CQ105,-$CH$85)+CS105","v":{"$error":"#DIV/0!"}},{"$f":"ROUNDUP(PMT(IF(CJ70=\"\",CH70,CJ70)/12,CQ105,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"$CH$85*CV105/1000+CS105","v":{"$error":"#VALUE!"}},{"$f":"$CH$84*ROUNDUP(PMT($CK$48/12,CP105*12,-1000),2)/1000","v":{"$error":"#VALUE!"}},{"$f":"IF(OR($CS$5=1,$CS$5=2),$CH$84*(IF(CS5<3,IF(CK25>64,EXTRAPRIMAEDAD,IF(CU5=1,FACTORVIDA,IF(CU5=2,EXTRAPRIMAMEDICA,IF(CU5=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR($CS$5=1,$CS$5=3),MAX($CK$26*0.8*FACTORDAÑOS,$CH$84*FACTORDAÑOS),0)","v":{"$error":"#VALUE!"}},{"$f":"IF((((CX105+CY105)+DESCUENTIND+DESCUENTCONY)/$CH$76)<$CI$90,$CI$90,((CX105+CY105)+DESCUENTIND+DESCUENTCONY)/$CH$76)","v":{"$error":"#VALUE!"}},{"$f":"ROUNDUP(PMT($CJ$68/12,CQ105,-1000),2)","v":{"$error":"#DIV/0!"}},{"$f":"$CJ$84*ROUNDUP(PMT($CJ$48/12,CP105*12,-1000),2)/1000","v":{"$error":"#VALUE!"}},{"$f":"IF(OR($CS$5=1,$CS$5=2),$CJ$84*(IF(CS5<3,IF(CK25>64,EXTRAPRIMAEDAD,IF(CU5=1,FACTORVIDA,IF(CU5=2,EXTRAPRIMAMEDICA,IF(CU5=3,EXTRAPRIMAOCUPACIONAL,0)))))),0)+IF(OR($CS$5=1,$CS$5=3),MAX($CK$26*0.8*FACTORDAÑOS,$CJ$84*FACTORDAÑOS),0)","v":{"$error":"#VALUE!"}},{"$f":"IF(CK34=\"\",IF((((DB105+DC105)+DESCUENTIND+DESCUENTCONY)/$CI$76)<$CI$90,$CI$90,((DB105+DC105)+DESCUENTIND+DESCUENTCONY+CK34)/$CI$76),IF((((DB105+DC105)+DESCUENTIND+DESCUENTCONY+CK34)/$CI$76)<$CI$90,$CI$90,((DB105+DC105)+DESCUENTIND+DESCUENTCONY+CK34)/$CI$76))","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MES","SALDO CAPITAL","PAGO CAPITAL","PAGO INTERES","PPM","PAGO CAPITAL + INT","SEGUROS","DIFERENCIA PAGO ACTUAL","PAGO MENSUALIDAD TOTAL",null,"MES","SALDO CAPITAL","PAGO CAPITAL","PAGO INTERES","PPM","PAGO CAPITAL + INT","SEGUROS","IVA Intereses","PAGO MENSUALIDAD TOTAL","PAGO MENSUALIDAD TOTAL sin IVA",null,null,"MES","SALDO CAPITAL","PAGO CAPITAL","PAGO INTERES","PPM","PAGO CAPITAL + INT","SEGUROS","DIFERENCIA PAGO ACTUAL","PAGO MENSUALIDAD TOTAL",null,"MES","SALDO CAPITAL","PAGO CAPITAL","PAGO INTERES","PPM","PAGO CAPITAL + INT","SEGUROS","IVA Intereses","PAGO MENSUALIDAD TOTAL","PAGO MENSUALIDAD TOTAL sin IVA",null,"MES","SALDO CAPITAL","PAGO CAPITAL","PAGO INTERES","PPM","PAGO CAPITAL + INT","SEGUROS","DIFERENCIA PAGO ACTUAL","PAGO MENSUALIDAD TOTAL",null,"MES","SALDO CAPITAL","PAGO CAPITAL","PAGO INTERES","PPM","PAGO CAPITAL + INT","SEGUROS","IVA Intereses","PAGO MENSUALIDAD TOTAL","PAGO MENSUALIDAD TOTAL sin IVA"]
[null,null,null,null,null,"1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación.\n3) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 2 años de antigüedad en el negocio y 4 años para persona moral.\n4) Se podrán comprobar ingresos con cuentas de cheques Banamex: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","1) La fecha de emisión del Estado de Cuenta más reciente NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación.\n3) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 6 meses.\n4) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc.\n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","1) La fecha de emisión del Estado de Cuenta más reciente NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 6 meses.\n3) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de autorización del crédito.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación\n3) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 6 meses.\n4) Se podrán comprobar ingresos con cuentas de cheques Banamex: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","1) La fecha de emisión del Estado de Cuenta más reciente NO debe ser mayor a 45 días a la fecha de de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de de ingreso a dictaminación\n3) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 6 meses.\n4) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","1) La fecha de emisión del Estado de Cuenta más reciente NO debe ser mayor a 45 días a la fecha de de ingreso a dictaminación.\n2) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 6 meses.\n3) Se podrán comprobar ingresos con  cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación\n3) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 6 meses.\n4) Se podrán comprobar ingresos con cuentas de cheques Banamex: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","1) La fecha de emisión del Estado de Cuenta más reciente NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación\n3) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 6 meses.\n4) Se podrán comprobar ingresos con  cuentas de cheques: \n  a)Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","1) La fecha de emisión del Estado de Cuenta más reciente NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 6 meses.\n3) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","1) La fecha de emisión del Estado de Cuenta NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación\n3) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 6 meses.\n4) Se podrán comprobar ingresos con cuentas de cheques Banamex: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","1) La fecha de emisión del Estado de Cuenta más reciente NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) En caso de comprobar con comptómetro no deberá tener una fecha de emisión mayor a 45 días a la fecha de ingreso a dictaminación\n3) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 6 meses.\n4) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","1) La fecha de emisión del Estado de Cuenta más reciente NO debe ser mayor a 45 días a la fecha de ingreso a dictaminación.\n2) Riesgo le requerirá al cliente que compruebe un arraigo laboral de 6 meses.\n3) Se podrán comprobar ingresos con cuentas de cheques: \n  a) Se suman los depósitos de las cuentas presentadas sin considerar transferencias entre las mismas, depósitos de préstamos, depósitos que no provienen del giro del negocio, etc. \n  b) Cada uno de los meses el Total de Depósitos deberá cubrir el ingreso mínimo.\n  c) Son validos los estados de cuenta que llegan por correo postal y/o un correo digital, completos con todas las hojas incluyendo la última hoja con cadenas digitales y códigos QR.\n**Se podrá autorizar como máximo que en 1 estado de cuenta de los 6 presentados NO cumpla con el Ingreso mínimo del producto o NO se refleje depósito alguno, mientras éstos no sean consecutivos y el promedio de los 6 meses cumpla con el Ingreso mínimo requerido.","**Este tipo de Ingreso NO podrá aplicarse para compra entre cónyuges, familiares directos, entre socios o a la empresa de la cual es accionista**\n1) Riesgo le requerirá entregar el cuestionario EDD de las Personas Morales en los casos que asi se determine.","**Para inversiones Banamex, se puede tomar como valido las pantallas o consultas de los sistemas internos del banco donde se detalle el saldo de los últimos 4 meses y la titularidad del cliente**\n\n1) Son válidas las cuentas de Accival.\n2) Se podrán aceptar como máximo 2 cuentas de inversión\n3) El monto mínimo se podrá obtener sumando las 2 cuentas\n4) Son válidas las cuentas de inversión en moneda extranjera.","**Para inversiones Banamex, se puede tomar como valido las pantallas o consultas de los sistemas internos del banco donde se detalle el saldo de los últimos 4 meses y la titularidad del cliente**\n\n1) Son válidas las cuentas de Accival.\n2) Se podrán aceptar como máximo 2 cuentas de inversión\n3) El monto mínimo se podrá obtener sumando las 2 cuentas\n4) Son válidas las cuentas de inversión en moneda extranjera.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"-","-","-","-","-","-","-","-",{"$f":"-AX107-AX64-IF(BE28<3,AX63,0)","v":{"$error":"#VALUE!"}},null,null,"-","-","-","-","-","-","-","-",{"$f":"-BI107-AX64-IF(BE28<3,AX63,0)","v":{"$error":"#VALUE!"}},null,null,"-","-","-","-","-","-","-","-",{"$f":"-BT107-AX64-IF(BE28<3,AX63,0)","v":{"$error":"#VALUE!"}},null,null,null,null,null,"CAPACIDAD PAGO",{"$f":"+IF(CK34+DESCUENTIND+DESCUENTCONY>0,CH105,CH104)","v":0.45},{"$f":"+IF(CK34>0,CI105,CI104)","v":{"$error":"#VALUE!"}},null,{"$f":"IF(INGRESOMENSUAL=\"\",CU75,IF(INGRESOMENSUAL>=35000,HLOOKUP(CQ5,CU70:CX75,5,0),HLOOKUP(CQ5,CU70:CX75,3,0)))","v":0.45},{"$f":"+IF(CK34>0,CL105,CL104)","v":{"$error":"#VALUE!"}},null,3,"10 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{"sheet":"Contacto","index":3,"n_rows":73,"n_cols":29,"rows_kept":73,"cut":false,"hidden":true,"merged":[[72,0,72,39],[49,4,49,39],[50,4,50,39],[22,3,23,34],[3,27,3,34],[5,27,5,31],[36,7,36,26],[43,6,44,26],[57,4,58,39],[12,1,13,39],[64,10,64,17],[66,10,66,17],[68,11,68,17],[16,3,16,39],[18,3,18,39],[26,3,27,39],[46,3,46,39],[35,18,35,26],[51,4,52,39],[55,4,56,39],[66,28,66,34],[66,18,66,24],[38,28,41,37],[33,28,37,37],[38,7,38,26],[39,7,39,26],[40,7,40,26],[41,7,41,26],[30,28,30,37],[31,28,32,37],[30,7,31,26],[32,7,33,26],[37,7,37,26],[34,7,34,26],[35,7,35,16]]}
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2025-11-05"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",""]
[]
[]
[]
[null,{"$f":"CONCATENATE(\"Cotización para \",IF(ADQUISICION!H11<>\"\",ADQUISICION!H11,IF(Liquidez!H11<>\"\",Liquidez!H11,IF('Cambia Tu Hipoteca'!H13<>\"\",'Cambia Tu Hipoteca'!H13,'Cambia Tu Hipoteca mas Liquidez'!H13))))","v":"Cotización para "}]
[]
[null,"Estimado cliente,"]
[null,"Muchas gracias por su interés en nuestros Créditos Hipotecarios. En este documento y sus anexos, encontrará usted información que le será de utilidad para agilizar el trámite de su crédito:"]
[]
[]
[null,null,"1.","Anexo A: Resumen de condiciones del crédito solicitado"]
[null,null,null,{"$f":"IF(OR(Calculos!DK4=\"Cambia tu Hipoteca\",Calculos!DK4=\"Adquisición\"),\"Conforme la información que usted nos proporcionó respecto del valor de la vivienda, enganche y situación crediticia, le anexamos una estimación de condiciones, tasa de interés, mensualidad, ingresos requeridos, etc. a distintos plazos.\",\"Conforme la información que usted nos proporcionó respecto del valor de la vivienda y situación crediticia, le anexamos una estimación de condiciones, tasa de interés, mensualidad, ingresos requeridos, etc. a distintos plazos.\")","v":"Conforme la información que usted nos proporcionó respecto del valor de la vivienda, enganche y situación crediticia, le anexamos una estimación de condiciones, tasa de interés, mensualidad, ingresos requeridos, etc. a distintos plazos."}]
[null,null,"2.",{"$f":"IF(Calculos!DK4=\"Cambia tu Hipoteca más Liquidez\",\"Anexo B: Tablas de amortización\",\"Anexo B: Tabla de amortización\")","v":"Anexo B: Tabla de amortización"}]
[null,null,null,"En la que podrá observar el comportamiento aproximado que tendrá su crédito a lo largo del tiempo."]
[null,null,"3.","Anexo C: Carta de Seguros"]
[]
[null,null,"3.","Anexo C: Formato de solicitud de Crédito y Cuestionario Médico"]
[null,null,null,"Por favor llene ambos documentos con bolígrafo y letra de molde, es muy importante firmar en todos los espacios previstos para ello con la misma firma que aparece en su Identificación Oficial."]
[]
[]
[null,"Adicionalmente, necesitaremos que nos proporcione copia legible de:"]
[null,null,"a)","Identificación Oficial Vigente con Fotografía Identificación oficial con fotografía vigente de los participantes del crédito (en caso de matrimonio en sociedad conyugal se requiere también la identificación del cónyuge)1"]
[]
[]
[null,null,null,null,null,null,"▪","Participantes Mexicanos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"▪","Participantes Extranjeros"]
[null,null,null,null,null,null,"-","Credencial para Votar vigente emitida por el INE en territorio nacional o en el extranjero (no son válidas las credenciales para votar estatales).",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"-","Pasaporte o tarjeta pasaporte vigente"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"-","Tarjeta de residente Permanente o Temporal2 vigente o Tarjeta con calidad migratoria de inmigrado3"]
[null,null,null,null,null,null,"-","Cuando la INE no esté vigente o el participante no cuente con INE, se podrán aceptar dos identificaciones:"]
[null,null,null,null,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 Siempre y cuando tenga 3 años o más de residir en México. La visa de residencia temporal no será aceptable para clientes de nacionalidad extranjera provenientes de países sancionados (consultar lista de países sancionados)."]
[null,null,null,null,null,null,null,"Identificación 1: Pasaporte más"]
[null,null,null,null,null,null,null,"Identificación 2:",null,null,null,null,null,null,null,null,null,"-","Cédula Profesional"]
[null,null,null,null,null,null,"-","Tarjeta única de identidad militar"]
[null,null,null,null,null,null,"-","Tarjeta del (INAPAM)"]
[null,null,null,null,null,null,"-","Cartilla del servicio militar nacional",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3 Deberá indicar al reverso \"El extranjero inmigrado tiene derechos de residencia definitiva en México\""]
[null,null,null,null,null,null,"-","Certificado de matrícula Consular"]
[null,null,null,null,null,null,"-","Credenciales expedidos por IMSS, ISSSTE o ISSFAM"]
[null,null,null,null,null,null,"-","INE, solo cuando se presente algún impedimento físico para lectura de huellas o las huellas sean ilegibles"]
[]
[null,null,null,null,null,null,"Si en la identificación oficial enviada no se observa CURP, es necesario presentar de forma adicional, la constancia de CURP expedida por la SEGOB"]
[]
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[null,null,null,"1 El Coacreditado deberá presentar la misma documentación que el solicitante."]
[null,null,"b)","Comprobantes de Ingresos de Acreditado y Coacreditado (en su caso) según su actividad:"]
[null,null,null,null,"Asalariados:"]
[null,null,null,"→","Copia de Recibos de Nómina del último mes (si percibe ingresos variables o comisiones anexar los últimos 6 meses)"]
[null,null,null,"→","Copia del último estado de cuenta bancario donde se observe el depósito por pago de nómina. En caso de no presentar recibo de nómina, deberán ser los últimos 3 meses."]
[null,null,null,"→","Carta constancia de empleo (cuando la fecha de ingreso al empleo no se observe en los recibos de nómina o sólo presente estados de cuenta)"]
[]
[]
[null,null,null,null,"Independientes:"]
[null,null,null,"→","Estado(s) de Cuenta de Cheques personales en los que se aprecien sus movimientos. (Cuentas Banamex: 1 mes, otros Bancos: 6 meses)"]
[]
[null,null,null,"→","Comprobación de la economía formal, cualquiera de las siguientes: Aviso de Actualización o Modificación Fiscal emitido por el SAT o Constancia de Situación Fiscal."]
[]
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[null,"Nos ponemos a sus órdenes para continuar atendiéndolo"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Calculos!$DH$3=TRUE,\"Asesor Hipotecario:\",\"Promotor:\")","v":"Promotor:"},null,null,null,null,null,null,null,{"$f":"IF(Caratula!$G$28=\"\",\"\",Caratula!$G$28)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,"Teléfono Oficina:",null,null,null,null,null,null,null,{"$f":"IF(Caratula!$G$30=\"\",\"\",Caratula!$G$30)","v":""},null,null,null,null,null,null,null,"Celular:",null,{"$f":"IF(Caratula!$P$30=\"\",\"\",Caratula!$P$30)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Correo electrónico:",null,null,null,null,null,null,{"$f":"IF(Caratula!$G$32=\"\",\"\",Caratula!$G$32)","v":""}]
[]
[null,null,"Finalmente ponemos a su disposición nuestro 01 800 Hipotecario"]
[]
["Atentamente Banca Hipotecaria"]

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[null,"Datos Para el Cálculo"]
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[null,null,"Nombre del cliente:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Edad:",null,null,null,"años",null,null,null,null,"Segmento:"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Plaza:",null,null,null,null,null,null,null,null,null,null,null,"Deudas:"]
[]
[null,null,null,null,null,null,null,null,"Valor de vivienda:",null,null,null,null,null,null,null,null,null,null,null,null,"Nivel de Riesgo:",null,null,null,null,null,null,null,null,null,null,null,"Crédito Automotriz:"]
[null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,"Saldo actual de Hipoteca:",null,null,null,null,null,null,null,null,null,null,null,null,"Tipo de Ingreso:",null,null,null,null,null,null,null,null,null,null,null,"Crédito Hipotecario:"]
[]
[null,null,null,null,null,null,null,null,"Ingreso Mensual:",null,null,null,null,null,null,null,null,null,null,null,null,"Seguros Banamex:",null,null,null,null,null,null,null,null,null,null,null,"Crédito Personal:"]
[]
[null,null,null,null,null,null,null,null,"Mensualidades Remanentes:",null,null,null,null,null,null,null,null,null,null,null,null,"Tipo de Seg. Vida:",null,null,null,null,null,null,null,null,null,null,null,"Tarjetas (Revolventes):"]
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[null,null,null,null,null,null,null,null,"Mensualidad Total Actual:",null,null,null,null,null,null,null,null,null,null,null,null,"Extraprima Seg. Vida:"]
[]
[null,null,null,null,null,null,null,null,"Monto Solicitado Liquidez:",null,null,null,null,null,null,null,null,null,null,null,null,"¿Es Cliente Nómina Banamex?:"]
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[null,{"$f":"IF(AND(J17=\"\",J19=\"\",J21=\"\",Calculos!EV28=2),\"\",Calculos!FC87)","v":"     //          //          //          //     No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido."}]
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[null,"Detalle del Crédito",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inversión Inicial del Cliente"]
[]
[]
[null,null,null,null,null,null,null,"Cambia tu Hipoteca",null,null,null,null,"Liquidez",null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Avalúo Hipotecario2 (con IVA) y Honorarios Notariales: ",{"$f":"IF(H240=\"\",\"\",IF(J17<=15000000,\"¡Gratis!\",Calculos!EV67))","v":""}]
[]
[null,null,null,null,null,null,"Credito Banamex :",{"$f":"IFERROR(IF((Calculos!EW59+Calculos!EX59)<Calculos!EV12,\"\",Calculos!EW59),\"\")","v":""},null,null,null,null,{"$f":"IFERROR(IF(H240=\"\",\"\",IF(Calculos!$EX$59<Calculos!EV21,\"\",Calculos!$EX$59)),\"\")","v":""},null,null,null,{"$f":"IFERROR(H240+M240,\"\")","v":""},null,null,null,null,"Derechos de e Impuestos:",null,null,null,null,null,null,null,null,null,"Monto:"]
[]
[null,null,null,null,null,null,"Tasa de Interés:",{"$f":"IF(H240=\"\",\"\",Calculos!EW66)","v":""},null,null,null,null,{"$f":"IF(M240=\"\",\"\",Calculos!EX66)","v":""},null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EW66)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Porcentaje:",{"$f":"IF(H240=\"\",\"\",IF(AG240<>\"\",\"\",Calculos!EV70))","v":""}]
[]
[null,null,null,null,null,null,"% de Financiamiento:",{"$f":"IF(H240=\"\",\"\",Calculos!EW65)","v":""},null,null,null,null,{"$f":"IF(M240=\"\",\"\",Calculos!EX65)","v":""},null,null,null,{"$f":"IFERROR(H244+M244,\"\")","v":""},null,null,null,null,"Promoción Tu Hipoteca sin Comisión de Contratación1 IVA* Incluido",null,null,null,null,null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",IF(Calculos!FH28=2,Calculos!EW68+Calculos!EX68,0))","v":""}]
[]
[null,"Comisión de Contratación1 \nIVA* incluido:",null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EW68)","v":""},null,null,null,null,{"$f":"IF(M240=\"\",\"\",Calculos!EX68)","v":""},null,null,null,{"$f":"IFERROR(H246+M246,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total de gastos iniciales (cliente) :",{"$f":"SUM(AG238,AG242,AG244)","v":0}]
[]
[null,"* El IVA sólo aplica para la porción de Liquidez",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"* El IVA sólo aplica para la porción de Liquidez"]
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[null,"Detalle de la Mensualidad",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Plazo:",null,null,"años"]
[]
[]
[null,null,null,null,null,null,null,null,"Plazo:","20 Años",null,null,null,null,null,null,null,null,null,"15 Años",null,null,null,null,null,null,null,null,null,"10 Años"]
[]
[null,null,null,null,null,null,null,null,"Partida:","Cambia tu Hipoteca\nA",null,null,null,null,"Liquidez\nB",null,null,null,null,"Cambia tu Hipoteca\nA",null,null,null,null,"Liquidez\nB",null,null,null,null,"Cambia tu Hipoteca\nA",null,null,null,null,"Liquidez\nB"]
[]
[null,null,null,null,null,null,null,null,"Capital+Intereses (Incluye IVA)3:",{"$f":"IF(H240=\"\",\"\",Calculos!EV79)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EY79)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EW79)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EZ79)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EX79)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!FA79)","v":""}]
[]
[null,null,null,null,null,null,null,null,"Seguro de Vida:",{"$f":"IF(H240=\"\",\"\",Calculos!EV80)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EY80)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EW80)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EZ80)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EX80)","v":""},null,null,null,null,{"$f":"IF(M240=\"\",\"\",Calculos!FA80)","v":""}]
[]
[null,null,null,null,null,null,null,null,"Seguro de Daños:",{"$f":"IF(H240=\"\",\"\",Calculos!EV81)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EY81)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EW81)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EZ81)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EX81)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!FA81)","v":""}]
[]
[null,null,null,null,null,null,null,null,"Mensualidad:",{"$f":"IF(H240=\"\",\"\",Calculos!EV82)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EY82)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EW82)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EZ82)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EX82)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!FA82)","v":""}]
[]
[null,null,null,null,null,null,null,null,"Mensualidad Total:",{"$f":"IF(H240=\"\",\"\",Calculos!EV82+Calculos!EY82)","v":""},null,null,null,null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EW82+Calculos!EZ82)","v":""},null,null,null,null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EX82+Calculos!FA82)","v":""}]
[]
[null,null,null,null,null,null,null,null,"CAT Sin IVA:",{"$f":"IF(H240=\"\",\"\",Calculos!EV100)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EY100)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EW100)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EZ100)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EX100)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!FA100)","v":""}]
[]
[null,null,null,null,null,null,null,null,"Pago Por Mil (Sin Accesorios):",{"$f":"IF(H240=\"\",\"\",Calculos!EV78)","v":""},null,null,null,null,{"$f":"IF(M240=\"\",\"\",Calculos!EY78)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EW78)","v":""},null,null,null,null,{"$f":"IF(M240=\"\",\"\",Calculos!EZ78)","v":""},null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EX78)","v":""},null,null,null,null,{"$f":"IF(M240=\"\",\"\",Calculos!FA78)","v":""}]
[]
[null,null,null,null,null,null,null,null,"Ingreso a comprobar:",{"$f":"IF(H240=\"\",\"\",Calculos!EV85+Calculos!EY86)","v":""},null,null,null,null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EW85+Calculos!EZ86)","v":""},null,null,null,null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EX85+Calculos!FA86)","v":""}]
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[null,"Comparativo de Beneficios"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Institución Actual"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Saldo Actual de la Hipoteca / Crédito:",{"$f":"IF(H240=\"\",\"\",Calculos!EV43)","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!FA90)","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!FA91)","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!FA92)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Plazo:",{"$f":"IF(H240=\"\",\"\",CONCATENATE(ROUNDUP(J23/12,1),\"  \",\"Años\"))","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EV90/12&\" años\")","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EV91/12&\" años\")","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EV92/12&\" años\")","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Pago Total al Término del Crédito:",{"$f":"IF(H240=\"\",\"\",J25*J23)","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EV102)","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EW102)","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EX102)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Tasa de interés anual fija:",null,null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!$EV$98)","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!$EW$98)","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!$EX$98)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Mensualidad Total:",{"$f":"IF(H240=\"\",\"\",J25)","v":""},null,null,null,null,null,null,{"$f":"+IF($H$240=\"\",\"\",IF(Calculos!$FA$28=2,IF(($M$490-VLOOKUP(Calculos!$ET$90,Calculos!$EU$90:$FB$92,8,FALSE))<=0,VLOOKUP(Calculos!$ET$90,Calculos!$EU$90:$FB$92,8,FALSE),$M$490),VLOOKUP(Calculos!$ET$90,Calculos!$EU$90:$FB$92,8,FALSE)))","v":""},null,null,null,null,null,null,{"$f":"+IF($H$240=\"\",\"\",IF(Calculos!$FA$28=2,IF(($M$490-VLOOKUP(Calculos!$ET$91,Calculos!$EU$90:$FB$92,8,FALSE))<=0,VLOOKUP(Calculos!$ET$91,Calculos!$EU$90:$FB$92,8,FALSE),$M$490),VLOOKUP(Calculos!$ET$91,Calculos!$EU$90:$FB$92,8,FALSE)))","v":""},null,null,null,null,null,null,{"$f":"+IF($H$240=\"\",\"\",IF(Calculos!$FA$28=2,IF(($M$490-VLOOKUP(Calculos!$ET$92,Calculos!$EU$90:$FB$92,8,FALSE))<=0,VLOOKUP(Calculos!$ET$92,Calculos!$EU$90:$FB$92,8,FALSE),$M$490),VLOOKUP(Calculos!$ET$92,Calculos!$EU$90:$FB$92,8,FALSE)))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Su Ahorrro Total es:",null,null,null,null,null,null,null,{"$f":"+IF($H$240=\"\",\"\",IF($T$486>$M$486,0,$M$486-$T$486))","v":""},null,null,null,null,null,null,{"$f":"+IF($H$240=\"\",\"\",IF($AA$486>$M$486,0,$M$486-$AA$486))","v":""},null,null,null,null,null,null,{"$f":"+IF($H$240=\"\",\"\",IF($AH$486>$M$486,0,$M$486-$AH$486))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Su Mensualidad disminuye:",null,null,null,null,null,null,null,{"$f":"+IF($H$240=\"\",\"\",IF($M$490=\"\",0,IF(($M$490-$T$490)<0,0,$M$490-T490)))","v":""},null,null,null,null,null,null,{"$f":"+IF($H$240=\"\",\"\",IF($M$490=\"\",0,IF(($M$490-$AA$490)<0,0,$M$490-AA490)))","v":""},null,null,null,null,null,null,{"$f":"+IF($H$240=\"\",\"\",IF($M$490=\"\",0,IF(($M$490-$AH$490)<0,0,$M$490-AH490)))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Mensualidades Ahorradas:",null,null,null,null,null,null,null,{"$f":"IF($H$240=\"\",\"\",Calculos!EV101)","v":""},null,null,null,null,null,null,{"$f":"IF($H$240=\"\",\"\",Calculos!EW101)","v":""},null,null,null,null,null,null,{"$f":"IF($H$240=\"\",\"\",Calculos!EX101)","v":""}]
[]
[null,null,"Adicional esta obteniendo un crédito de liquidez por:"]
[null,null,null,null,null,null,null,null,null,null,null,"Monto:",null,null,null,null,null,null,null,{"$f":"IFERROR(IF(Calculos!$EX$59<Calculos!EV21,\"\",Calculos!$EX$59),\"\")","v":""},null,null,null,null,null,null,{"$f":"IFERROR(IF(Calculos!$EX$59<Calculos!EV21,\"\",Calculos!$EX$59),\"\")","v":""},null,null,null,null,null,null,{"$f":"IFERROR(IF(Calculos!$EX$59<Calculos!EV21,\"\",Calculos!$EX$59),\"\")","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Tasa de interés anual fija:",null,null,null,null,null,null,null,{"$f":"IF(M240=\"\",\"\",Calculos!EX66)","v":""},null,null,null,null,null,null,{"$f":"IF(M240=\"\",\"\",Calculos!EX66)","v":""},null,null,null,null,null,null,{"$f":"IF(M240=\"\",\"\",Calculos!EX66)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Mensualidad Partida B:",null,null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EY82)","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!EZ82)","v":""},null,null,null,null,null,null,{"$f":"IF(H240=\"\",\"\",Calculos!FA82)","v":""}]
[]
[]
[null,"1. Comisión registrada en Banco de México como \"Comisión Contratación – crédito\"."]
[null,"2. Aplica para avalúos hipotecario de viviendas hasta 15millones de pesos, si excede ese monto, el cliente deberá pagar la diferencia. Comisión registrada en Banco de México como \"Comisión Gastos de Preoriginación – avalúo hipotecario\"."]
[null,"3. El IVA de intereses aplica solo para la porción de Liquidez"]
[null,"La información contenida en este documento es únicamente para fines ilustrativos y se basa en información proporcionada por el solicitante. Las condiciones pueden cambiar en cualquier momento sin necesidad de previo aviso. No implica que el crédito haya sido autorizado. Esta no es una oferta vinculante."]

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[null,null,null,null,null,null,null,null,null,null,"Partida A Cambia Tu Hipoteca"]
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[null,{"$f":"IF(Calculos!$BC$28=2,\"* La diferencia entre la mensualidad propuesta y la mensualidad actual del cliente debe ser pagada en ventanilla o BancaNet\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2025-11-05"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inversión del cliente"]
[]
["Nombre del Cliente:",null,null,null,null,null,null,{"$f":"'Cambia Tu Hipoteca mas Liquidez'!H13","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Derechos e Impuestos:",{"$f":"IF('Cambia Tu Hipoteca mas Liquidez'!H240=\"\",\"\",IF('Cambia Tu Hipoteca mas Liquidez'!AG240<>\"\",\"\",Calculos!EV70))","v":""}]
[]
["Plazo del Crédito:",null,null,null,null,null,null,{"$f":"Calculos!EW62/12&\" años\"","v":"20 años"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Avalúo Hipotecario (con IVA) y Honorarios Notariales: ",{"$f":"Calculos!EW67","v":{"$error":"#N/A"}}]
[]
["Tasa de Interés anual fija:",null,null,null,null,null,null,{"$f":"Calculos!EW66","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Comisión de Contratación:",{"$f":"IF(Calculos!FH28=1,0,Calculos!EW68)","v":0}]
[]
["Monto del Crédito:",null,null,null,null,null,null,{"$f":"Calculos!EW59","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Importe no Financiado:",0]
[]
["CAT sin IVA:",null,null,null,null,null,null,{"$f":"+((IRR(AF126:AI366,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Importe Total a Cubrir:",{"$f":"SUM(AE9,AE11,AE13)","v":{"$error":"#N/A"}}]
[]
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["Cotización"]
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["Cotización"]
[]
["Mes",null,"Saldo de Capital",null,null,null,"Pago a Capital",null,null,null,"Pago de Interés",null,null,null,"Pago Fijo Mensual (Capital + Intereses)",null,null,null,null,"Seguro de Vida",null,null,null,"Seguro de Daños",null,null,null,"Prepagos",null,null,null,"Pago Total Mensual"]
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[null,null,null,null,null,null,null,null,null,null,"Partida B Liquidez"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Caratula!AN33","v":"Versión v.20251101"}]
[null,{"$f":"IF(Calculos!$BC$28=2,\"* La diferencia entre la mensualidad propuesta y la mensualidad actual del cliente debe ser pagada en ventanilla o BancaNet\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2025-11-05"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inversión del cliente"]
[]
["Nombre del Cliente:",null,null,null,null,null,null,{"$f":"'Cambia Tu Hipoteca mas Liquidez'!H13","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Derechos e Impuestos:",0]
[]
["Plazo del Crédito:",null,null,null,null,null,null,{"$f":"Calculos!EX62/12&\" años\"","v":"20 años"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Avalúo Hipotecario (con IVA) y Honorarios Notariales: ",0]
[]
["Tasa de Interés:",null,null,null,null,null,null,{"$f":"Calculos!EX66","v":{"$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,"Comisión de Contratación:",{"$f":"IF(Calculos!FH28=1,0,Calculos!EX68)","v":0}]
[]
["Monto del Crédito:",null,null,null,null,null,null,{"$f":"Calculos!EX59","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Importe no Financiado:",0]
[]
["CAT sin IVA:",null,null,null,null,null,null,{"$f":"+((IRR(AJ126:AM366,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Importe Total a Cubrir:",{"$f":"SUM(AI9,AI11,AI13)","v":0}]
[]
[]
["Cotización"]
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["Cotización"]
[]
["Mes",null,"Saldo de Capital",null,null,null,"Pago a Capital",null,null,null,"Pago de Interés",null,null,null,"Pago Fijo Mensual (Capital + Intereses)",null,null,null,null,"Seguro de Vida",null,null,null,"Seguro de Daños",null,null,null,"IVA de intereses",null,null,null,"Prepagos",null,null,null,"Pago Total Mensual sin IVA",null,null,null,"Pago Total Mensual"]
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[4,null,{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,null,{"$f":"IF(C130<=0,0,IF(C130+K130<IF(SUM(S129,AF129)>=SUM(O129),C130*ROUNDUP(PMT($H$13/12,Calculos!$EW$62-A129,-1000),2)/1000,O129),C130+K130,IF(SUM(S129,AF129)>=SUM(O129),C130*ROUNDUP(PMT($H$13/12,Calculos!EW$62-A129,-1000),2)/1000,O129)))","v":{"$error":"#DIV/0!"}},null,null,null,null,{"$f":"IF(C129=0,\"\",IF(OR(Calculos!$EX$28=1,Calculos!$EX$28=2),IF(Calculos!$EV$41>=65,IF(Calculos!$EY$28=1,C130,$C$127)*EXTRAPRIMAEDAD,IF(Calculos!$EZ$28=1,IF(Calculos!$EY$28=1,C130,$C$127)*FACTORVIDA,IF(Calculos!$EZ$28=2,IF(Calculos!$EY$28=1,C130,$C$127)*EXTRAPRIMAMEDICA,IF(Calculos!$EY$28=1,C130,$C$127)*EXTRAPRIMAOCUPACIONAL))),0))","v":{"$error":"#DIV/0!"}},null,null,null,0,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,null,null,null,{"$f":"SUM(O130,X130,AF130,T130,IF(Calculos!$BC$28=2,S130,0))","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"SUM(O130,X130,AF130,T130,AB130,IF(Calculos!$BC$28=2,S130,0))","v":{"$error":"#DIV/0!"}}]
[5,null,{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,null,{"$f":"IF(C131<=0,0,IF(C131+K131<IF(SUM(S130,AF130)>=SUM(O130),C131*ROUNDUP(PMT($H$13/12,Calculos!$EW$62-A130,-1000),2)/1000,O130),C131+K131,IF(SUM(S130,AF130)>=SUM(O130),C131*ROUNDUP(PMT($H$13/12,Calculos!EW$62-A130,-1000),2)/1000,O130)))","v":{"$error":"#DIV/0!"}},null,null,null,null,{"$f":"IF(C130=0,\"\",IF(OR(Calculos!$EX$28=1,Calculos!$EX$28=2),IF(Calculos!$EV$41>=65,IF(Calculos!$EY$28=1,C131,$C$127)*EXTRAPRIMAEDAD,IF(Calculos!$EZ$28=1,IF(Calculos!$EY$28=1,C131,$C$127)*FACTORVIDA,IF(Calculos!$EZ$28=2,IF(Calculos!$EY$28=1,C131,$C$127)*EXTRAPRIMAMEDICA,IF(Calculos!$EY$28=1,C131,$C$127)*EXTRAPRIMAOCUPACIONAL))),0))","v":{"$error":"#DIV/0!"}},null,null,null,0,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,null,null,null,{"$f":"SUM(O131,X131,AF131,T131,IF(Calculos!$BC$28=2,S131,0))","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"SUM(O131,X131,AF131,T131,AB131,IF(Calculos!$BC$28=2,S131,0))","v":{"$error":"#DIV/0!"}}]
[6,null,{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,null,{"$f":"IF(C132<=0,0,IF(C132+K132<IF(SUM(S131,AF131)>=SUM(O131),C132*ROUNDUP(PMT($H$13/12,Calculos!$EW$62-A131,-1000),2)/1000,O131),C132+K132,IF(SUM(S131,AF131)>=SUM(O131),C132*ROUNDUP(PMT($H$13/12,Calculos!EW$62-A131,-1000),2)/1000,O131)))","v":{"$error":"#DIV/0!"}},null,null,null,null,{"$f":"IF(C131=0,\"\",IF(OR(Calculos!$EX$28=1,Calculos!$EX$28=2),IF(Calculos!$EV$41>=65,IF(Calculos!$EY$28=1,C132,$C$127)*EXTRAPRIMAEDAD,IF(Calculos!$EZ$28=1,IF(Calculos!$EY$28=1,C132,$C$127)*FACTORVIDA,IF(Calculos!$EZ$28=2,IF(Calculos!$EY$28=1,C132,$C$127)*EXTRAPRIMAMEDICA,IF(Calculos!$EY$28=1,C132,$C$127)*EXTRAPRIMAOCUPACIONAL))),0))","v":{"$error":"#DIV/0!"}},null,null,null,0,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,null,null,null,{"$f":"SUM(O132,X132,AF132,T132,IF(Calculos!$BC$28=2,S132,0))","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"SUM(O132,X132,AF132,T132,AB132,IF(Calculos!$BC$28=2,S132,0))","v":{"$error":"#DIV/0!"}}]
[7,null,{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,null,{"$error":"#DIV/0!"},null,null,null,{"$f":"IF(C133<=0,0,IF(C133+K133<IF(SUM(S132,AF132)>=SUM(O132),C133*ROUNDUP(PMT($H$13/12,Calculos!$EW$62-A132,-1000),2)/1000,O132),C133+K133,IF(SUM(S132,AF132)>=SUM(O132),C133*ROUNDUP(PMT($H$13/12,Calculos!EW$62-A132,-1000),2)/1000,O132)))","v":{"$error":"#DIV/0!"}},null,null,null,null,{"$f":"IF(C132=0,\"\",IF(OR(Calculos!$EX$28=1,Calculos!$EX$28=2),IF(Calculos!$EV$41>=65,IF(Calculos!$EY$28=1,C133,$C$127)*EXTRAPRIMAEDAD,IF(Calculos!$EZ$28=1,IF(Calculos!$EY$28=1,C133,$C$127)*FACTORVIDA,IF(Calculos!$EZ$28=2,IF(Calculos!$EY$28=1,C133,$C$127)*EXTRAPRIMAMEDICA,IF(Calculos!$EY$28=1,C133,$C$127)*EXTRAPRIMAOCUPACIONAL))),0))","v":{"$error":"#DIV/0!"}},null,null,null,0,null,null,null,{"$error":"#DIV/0!"},null,null,null,null,null,null,null,{"$f":"SUM(O133,X133,AF133,T133,IF(Calculos!$BC$28=2,S133,0))","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"SUM(O133,X133,AF133,T133,AB133,IF(Calculos!$BC$28=2,S133,0))","v":{"$error":"#DIV/0!"}}]
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[null,"Datos Para el Cálculo"]
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[null,null,"Nombre del cliente:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Edad:",null,null,null,"años",null,null,null,null,"Segmento:"]
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[null,null,null,null,null,null,null,null,"Valor de vivienda:",null,null,null,null,null,null,null,null,null,null,null,null,"Plaza:",null,null,null,null,null,null,null,null,null,null,null,"Deudas:"]
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[null,null,null,null,null,null,null,null,"Saldo actual de Hipoteca:",null,null,null,null,null,null,null,null,null,null,null,null,"Nivel de Riesgo:",null,null,null,null,null,null,null,null,null,null,null,"Crédito Automotriz:"]
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[null,null,null,null,null,null,null,null,"Ingreso Mensual:",null,null,null,null,null,null,null,null,null,null,null,null,"Tipo de Ingreso:",null,null,null,null,null,null,null,null,null,null,null,"Crédito Hipotecario:"]
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[null,null,null,null,null,null,null,null,"Mensualidades Remanentes:",null,null,null,null,null,null,null,null,null,null,null,null,"Seguros Banamex:",null,null,null,null,null,null,null,null,null,null,null,"Crédito Personal:"]
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[null,null,null,null,null,null,null,null,"Mensualidad Total Actual:",null,null,null,null,null,null,null,null,null,null,null,null,"Tipo de Seg. Vida:",null,null,null,null,null,null,null,null,null,null,null,"Tarjetas (Revolventes):"]
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[null,null,null,null,null,null,null,null,"¿Es Cliente Nómina Banamex?:",null,null,null,null,null,null,null,null,null,null,null,null,"Extraprima Seg. Vida:",null,null,null,null,null,null,null,null,null,null,null,null,"Derechos e Impuestos:"]
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[null,"Apoyo infonavit:",null,null,null,null,null,null,null,{"$f":"IF(Calculos!BJ28=1,\"Ingreso Asalariado:\",\"\")","v":""}]
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[null,{"$f":"Calculos!BC41&Calculos!BC42&Calculos!BC43&Calculos!BC44&Calculos!BC45&Calculos!BC46&Calculos!BC47&Calculos!BC48&Calculos!BC49&Calculos!BC50&Calculos!BC51&Calculos!BC52&Calculos!BC53&Calculos!BC54&Calculos!BC55&Calculos!BC56&Calculos!BC57&Calculos!BC58&Calculos!BC59&Calculos!BC60&Calculos!BC61&Calculos!BC62&Calculos!BC63&Calculos!BC64&Calculos!BC65&Calculos!BC66&Calculos!BC67&Calculos!BC68&Calculos!BC69&Calculos!BC70&Calculos!BC71&Calculos!BC72&Calculos!BC73&Calculos!BC74&Calculos!BC75&Calculos!BC76&Calculos!BC77&Calculos!BC78&Calculos!BC79&Calculos!BC80&Calculos!BC81&Calculos!BC82&Calculos!BC83&Calculos!BC84&Calculos!BC85&Calculos!BC86","v":"No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido."}]
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[null,"Detalle de la Mensualidad",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inversión Inicial del Cliente"]
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[null,null,null,null,null,null,null,null,null,"Capital + Intereses:",{"$f":"IF(I341=\"\",\"\",Calculos!AX82)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Avalúo Hipotecario1 (con IVA) y Honorarios Notariales: ",{"$f":"IF(I341=\"\",\"\",IF(J15>15000000,Calculos!AY63,\"¡Gratis!\"))","v":""}]
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[null,null,null,null,null,null,null,null,null,"Seguro de Vida:",{"$f":"IF(I341=\"\",\"\",Calculos!AX83)","v":""},null,null,null,null,null,null,null,null,null,null,"Derechos e Impuestos:",null,null,null,null,null,null,null,null,null,"Monto:"]
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[null,null,null,null,null,null,null,null,null,"Seguro de Daños:",{"$f":"IF(I341=\"\",\"\",Calculos!AX84)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Porcentaje:",{"$f":"IF(I341=\"\",\"\",IF(AG239<>\"\",\"\",Calculos!AY71))","v":""}]
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[null,null,null,null,null,null,null,null,null,"Mensualidad Total:",{"$f":"IF(I341=\"\",\"\",Calculos!AX85)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Comisión de Contratación2:",{"$f":"IF(I341=\"\",\"\",Calculos!$AX$64)","v":""}]
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[null,null,null,null,null,null,null,null,null,"Ingreso mínimo a comprobar:",{"$f":"IF(I341=\"\",\"\",Calculos!AX86)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total de gastos iniciales (cliente) :",{"$f":"IF(I341=\"\",\"\",IF(AG239=\"\",IF(SUM(IF(Calculos!BE28=2,Calculos!$AY$71+Calculos!$AY$63,IF(Calculos!BE28=3,\"¡Gratis!\",IF(Calculos!AY71+Calculos!$AY$63>Calculos!AX76,Calculos!AY71+Calculos!$AY$63-IF(Calculos!AX60-Calculos!AX43<=0,0,Calculos!AX60-Calculos!AX43),IF(Calculos!AY71+Calculos!$AY$63-(IF(Calculos!AX60-Calculos!AX43<0,0,Calculos!AX60-Calculos!AX43))<=0,0,Calculos!AY71+Calculos!$AY$63-(IF(Calculos!AX60-Calculos!AX43<0,0,Calculos!AX60-Calculos!AX43)))))),AG243)>0,SUM(IF(Calculos!BE28=2,Calculos!$AY$71+Calculos!$AY$63,IF(Calculos!BE28=3,\"¡Gratis!\",IF(Calculos!AY71+Calculos!$AY$63>Calculos!AX76,Calculos!AY71+Calculos!$AY$63-IF(Calculos!AX60-Calculos!AX43<=0,0,Calculos!AX60-Calculos!AX43),IF(Calculos!AY71+Calculos!$AY$63-(Calculos!AX60-Calculos!AX43)<=0,0,Calculos!AY71+Calculos!$AY$63-(IF(Calculos!AX60-Calculos!AX43<0,0,Calculos!AX60-Calculos!AX43)))))),AG243),0),IF(I341<J17,AG239+AG243,AG239-(I341-J17)+AG243)))","v":""}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Banamex financia los Derechos e Impuestos:",{"$f":"IF(I341=\"\",\"\",IF(Calculos!BE28=2,0,IF(Calculos!AX60-Calculos!AX43<=0,0,Calculos!AX60-Calculos!AX43)))","v":""}]
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[]
[null,"Detalle del Crédito"]
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[]
[null,null,null,null,null,null,null,"Crédito Banamex :",{"$f":"IF(Calculos!$AX$60<Calculos!AX12,\"\",IF(Calculos!BB60=\"NO\",Calculos!$AX$60,Calculos!AZ60))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"% de Financiamiento:",{"$f":"IF(I341=\"\",\"\",IF(Calculos!BB60=\"NO\",Calculos!AY69,Calculos!BA69))","v":""},null,null,null,null,null,null,null,null,"Plazo:",null,null,"años"]
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[null,null,null,null,null,null,null,"Tasa de Interés:",{"$f":"IF(I341=\"\",\"\",IF(Calculos!BB60=\"NO\",Calculos!$AX$68,IF(Calculos!AZ68<>FALSE,Calculos!AZ68,Calculos!$AX$68)))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,"Comisión de Contratación2:",{"$f":"IF(I341=\"\",\"\",IF(Calculos!BB60=\"NO\",Calculos!$AX$64,Calculos!AZ64))","v":""},null,null,null,null,null,null,null,null,"CAT Sin IVA:",{"$f":"IF(I341=\"\",\"\",Calculos!$AX$79)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pago Por Mil (Sin Accesorios):",{"$f":"IF(I341=\"\",\"\",IF(Calculos!BB60=\"NO\",Calculos!$AY$75,Calculos!BA75))","v":""}]
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[null,"Comparativo de Beneficios"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Institución Actual"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Saldo Actual de la Hipoteca / Crédito:",{"$f":"IF(I341=\"\",\"\",Calculos!$AX$43)","v":""},null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",VLOOKUP(Calculos!$AV$90,Calculos!$AW$90:$BE$92,7,0))","v":""},null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",VLOOKUP(Calculos!$AV$91,Calculos!$AW$90:$BE$92,7,0))","v":""},null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",VLOOKUP(Calculos!$AV$92,Calculos!$AW$90:$BE$92,7,0))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Plazo:",{"$f":"IF(I341=\"\",\"\",CONCATENATE(ROUNDUP(J21/12,1),\"  \",\"Años\"))","v":""},null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",VLOOKUP(Calculos!$AV$90,Calculos!$AW$90:$BE$92,2,0)/12&\" años\")","v":""},null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",VLOOKUP(Calculos!$AV$91,Calculos!$AW$90:$BE$92,2,0)/12&\" años\")","v":""},null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",VLOOKUP(Calculos!AV92,Calculos!$AW$90:$BE$92,2,0)/12&\" años\")","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Pago Total al Término del Crédito:",{"$f":"IF(I341=\"\",\"\",J23*J21)","v":""},null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",Calculos!$AX$102)","v":""},null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",Calculos!$AY$102)","v":""},null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",Calculos!$AZ$102)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Tasa de interés anual:",null,null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",Calculos!$AX$98)","v":""},null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",Calculos!$AY$98)","v":""},null,null,null,null,null,null,{"$f":"IF(I341=\"\",\"\",Calculos!$AZ$98)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Mensualidad Total:",{"$f":"IF(I341=\"\",\"\",J23)","v":""},null,null,null,null,null,null,{"$f":"+IF($I$341=\"\",\"\",IF(Calculos!$BC$28=2,IF(($M$476-VLOOKUP(Calculos!$AV$90,Calculos!$AW$90:$BD$92,8,FALSE))<=0,VLOOKUP(Calculos!$AV$90,Calculos!$AW$90:$BD$92,8,FALSE),$M$476),VLOOKUP(Calculos!$AV$90,Calculos!$AW$90:$BD$92,8,FALSE)))","v":""},null,null,null,null,null,null,{"$f":"+IF($I$341=\"\",\"\",IF(Calculos!$BC$28=2,IF(($M$476-VLOOKUP(Calculos!$AV$91,Calculos!$AW$90:$BD$92,8,FALSE))<=0,VLOOKUP(Calculos!$AV$91,Calculos!$AW$90:$BD$92,8,FALSE),$M$476),VLOOKUP(Calculos!$AV$91,Calculos!$AW$90:$BD$92,8,FALSE)))","v":""},null,null,null,null,null,null,{"$f":"+IF($I$341=\"\",\"\",IF(Calculos!$BC$28=2,IF(($M$476-VLOOKUP(Calculos!$AV$92,Calculos!$AW$90:$BD$92,8,FALSE))<=0,VLOOKUP(Calculos!$AV$92,Calculos!$AW$90:$BD$92,8,FALSE),$M$476),VLOOKUP(Calculos!$AV$92,Calculos!$AW$90:$BD$92,8,FALSE)))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Su Ahorrro Total es:",null,null,null,null,null,null,null,{"$f":"+IF($I$341=\"\",\"\",IF($T$472>$M$472,0,$M$472-$T$472))","v":""},null,null,null,null,null,null,{"$f":"+IF($I$341=\"\",\"\",IF($AA$472>$M$472,0,$M$472-$AA$472))","v":""},null,null,null,null,null,null,{"$f":"+IF($I$341=\"\",\"\",IF($AH$472>$M$472,0,$M$472-$AH$472))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Su Mensualidad disminuye:",null,null,null,null,null,null,null,{"$f":"+IF($I$341=\"\",\"\",IF($M$476=\"\",0,IF(($M$476-$T$476)<0,0,$M$476-T476)))","v":""},null,null,null,null,null,null,{"$f":"+IF($I$341=\"\",\"\",IF($M$476=\"\",0,IF(($M$476-$AA$476)<0,0,$M$476-AA476)))","v":""},null,null,null,null,null,null,{"$f":"+IF($I$341=\"\",\"\",IF($M$476=\"\",0,IF(($M$476-$AH$476)<0,0,$M$476-AH476)))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Mensualidades Ahorradas:",null,null,null,null,null,null,null,{"$f":"IF($I$341=\"\",\"\",Calculos!AX101)","v":""},null,null,null,null,null,null,{"$f":"IF($I$341=\"\",\"\",Calculos!$AY$101)","v":""},null,null,null,null,null,null,{"$f":"IF($I$341=\"\",\"\",Calculos!$AZ$101)","v":""}]
[]
[]
[null,"1 Aplica para avalúos hipotecario de viviendas hasta 15millones de pesos, si excede ese monto, el cliente deberá pagar la diferencia. Comisión registrada en Banco de México como \"Comisión Gastos de Preoriginación – avalúo hipotecario\"."]
[null,"2 Comisión registrada en Banco de México como \"Comisión Contratación – crédito\"."]
[null,"La información contenida en este documento es únicamente para fines ilustrativos y se basa en información proporcionada por el solicitante. Las condiciones pueden cambiar en cualquier momento sin necesidad de previo aviso. No implica que el crédito haya sido autorizado. Esta no es una oferta vinculante."]

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[null,null,null,null,null,null,null,null,null,null,"Cambia Tu Hipoteca"]
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[null,{"$f":"IF(Calculos!$BC$28=2,\"* La diferencia entre la mensualidad propuesta y la mensualidad actual del cliente debe ser pagada en ventanilla o BancaNet\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2025-11-05"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inversión del cliente"]
[]
["Nombre del Cliente:",null,null,null,null,null,null,{"$f":"'Cambia Tu Hipoteca'!H13","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Derechos e Impuestos:",{"$f":"IF('Cambia Tu Hipoteca'!I341=\"\",\"\",IF('Cambia Tu Hipoteca'!AG239<>\"\",\"\",Calculos!AY71))","v":""}]
[]
["Plazo del Crédito:",null,null,null,null,null,null,{"$f":"Calculos!AY70&\" años\"","v":"20 años"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Avalúo Hipotecario (con IVA) y Honorarios Notariales: ",{"$f":"Calculos!AY63","v":0}]
[]
["Tasa de Interés:",null,null,null,null,null,null,{"$f":"IF(Calculos!BB60=\"NO\",Calculos!AX68,IF(Calculos!AZ68<>FALSE,Calculos!AZ68,Calculos!$AX$68))","v":{"$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,"Comisión de Contratación:",{"$f":"Calculos!AX64","v":{"$error":"#VALUE!"}}]
[]
["Monto del Crédito:",null,null,null,null,null,null,{"$f":"IF(Calculos!BB60=\"SI\",Calculos!AZ60,Calculos!AX60)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Importe no Financiado:",{"$f":"Calculos!$AX$61","v":""}]
[]
["CAT sin IVA:",null,null,null,null,null,null,{"$f":"+((IRR(AJ126:AM366,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Importe Total a Cubrir:",{"$f":"+'Cambia Tu Hipoteca'!AG245","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Calculos!$BE$28=1,\"Banamex financia los Derechos e Impuestos:\",IF(Calculos!$BE$28=3,\"Banamex cubre los Derechos e Impuestos:\",\"Banamex cubre los Derechos e Impuestos:\"))","v":"Banamex cubre los Derechos e Impuestos:"},{"$f":"IF(Calculos!BE28=2,\"\",IF(Calculos!AX60-Calculos!AX43<=0,\"\",Calculos!AX60-Calculos!AX43))","v":""}]
["Cotización"]
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["Cotización"]
[]
["Mes",null,"Saldo de Capital",null,null,null,"Pago a Capital",null,null,null,"Pago de Interés",null,null,null,"Pago Fijo Mensual (Capital + Intereses)",null,null,null,null,"Seguro de Vida",null,null,null,"Seguro de Daños",null,null,null,{"$f":"IF(Calculos!BJ28=1,\"Aportación Infonavit\",\"\")","v":""},null,null,null,"Prepagos",null,null,null,"Pago Total Mensual"]
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[]
[null,null,"Nombre del cliente:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Edad:",null,null,null,"años",null,null,null,null,"Segmento:"]
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[null,null,null,null,null,null,"Valor de vivienda:",null,null,null,null,null,null,null,null,null,null,null,null,"Nivel de Riesgo:",null,null,null,null,null,null,null,null,null,null,null,null,"Deudas:"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tipo de Ingreso:",null,null,null,null,null,null,null,null,null,null,null,null,"Crédito Automotriz:"]
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[null,null,null,null,null,null,"Ingreso Mensual:",null,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 Hipotecario:"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tipo de Seg. Vida:",null,null,null,null,null,null,null,null,null,null,null,null,"Crédito Personal:"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Extraprima Seg. Vida:",null,null,null,null,null,null,null,null,null,null,null,null,"Tarjetas (Revolventes):"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Plaza:"]
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[null,null,null,null,null,null,null,null,null,null,null,null,"Hipoteca de Liquidez"]
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[null,{"$f":"Calculos!DV67&IF(Calculos!DV67=\"\",\"\",CHAR(10))","v":"Para Hipoteca de Liquidez: No olvides que puedes comprobar los ingresos de tu cliente con BELVO, es fácil y rápido.\n"}]
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[]
[]
[null,"Hipoteca de Liquidez Banamex"]
[]
[null,"Detalle del Crédito",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inversión Inicial del Cliente1"]
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[null,null,null,null,null,null,"Crédito Banamex :",{"$f":"IFERROR(IF(Calculos!DR71<300000,\"\",Calculos!DR35),\"\")","v":""}]
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[null,null,null,null,null,null,"% de Financiamiento:",{"$f":"IF(H245=\"\",\"\",Calculos!DR37)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Avalúo Hipotecario2 con IVA:",{"$f":"IF(H245=\"\",\"\",Calculos!DR52)","v":""}]
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[null,"Detalle de la Mensualidad",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gastos Notariales:",{"$f":"IF(H245=\"\",\"\",Calculos!DR54)","v":""}]
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[null,null,null,null,null,null,"Plazo:",null,null,"años",null,null,null,null,null,null,null,null,null,null,null,"Comisión de Contratación3\nIVA incluido",null,null,null,null,null,null,null,null,{"$f":"IF(H245=\"\",\"\",IF(Calculos!DT5=1,0,Calculos!DR50))","v":""}]
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[null,null,null,null,null,null,"Mensualidad Total:",{"$f":"IF(H245=\"\",\"\",Calculos!DR46)","v":""}]
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[null,null,null,null,null,null,"Seguro de Vida:",{"$f":"IF(H245=\"\",\"\",Calculos!DR44)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total de gastos \niniciales (cliente):",null,null,null,null,{"$f":"IF(H245=\"\",\"\",Calculos!DR56-IF(Calculos!DT5=1,Calculos!DR50))","v":""}]
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[null,null,null,null,null,null,"Seguro de Daños:",{"$f":"IF(H245=\"\",\"\",Calculos!DR45)","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,"Tasa de Interés:",{"$f":"IF(H245=\"\",\"\",Calculos!DR36)","v":""}]
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[null,null,null,null,null,null,"CAT Sin IVA:",{"$f":"IF(H245=\"\",\"\",Calculos!DR40)","v":""}]
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[null,null,"Pago Por Mil (Sin Accesorios):",null,null,null,null,{"$f":"IF(H245=\"\",\"\",Calculos!DR41)","v":""}]
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[null,"1 Las cifras presentadas son unicamente una estimación con base en la información proporcionada por el solicitante."]
[]
[null," 2 Comisión registrada en Banco de México como \"Comisión Gastos de Preoriginación – avalúo hipotecario\"."]
[null,"3 Comisión registrada en Banco de México como \"Comisión Contratación – crédito\"."]
[null,"La información contenida en este documento es únicamente para fines ilustrativos y se basa en información proporcionada por el solicitante. Las condiciones pueden cambiar en cualquier momento sin necesidad de previo aviso. No implica que el crédito haya sido autorizado. Esta no es una oferta vinculante."]

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[null,null,null,null,null,null,null,null,null,null,null,null,"Hipoteca de Liquidez Banamex"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2025-11-05"}]
[]
[null,null,null,null,null,null,null,"Nombre del Cliente:",{"$f":"Calculos!$DS$24","v":0}]
[]
[null,null,null,null,null,null,null,"Plazo del Crédito:",{"$f":"VLOOKUP(Calculos!EC5,Calculos!EB91:EE94,2,0)","v":"20 Años"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inversión  del cliente"]
[]
[null,null,null,null,null,null,null,"Tasa de Interés:",{"$f":"Calculos!DR36","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gastos Notariales:",null,null,null,{"$f":"Calculos!DR54","v":{"$error":"#VALUE!"}}]
[]
[null,null,null,null,null,null,null,"Monto del Crédito:",{"$f":"Calculos!DR35","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Avalúo Hipotecario con IVA:",null,null,null,{"$f":"Calculos!DR75","v":{"$error":"#N/A"}}]
[]
[null,null,null,null,null,null,null,"CAT sin IVA:",{"$f":"((IRR(AM127:AP367,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Comisión de Contratación:",null,null,null,{"$f":"Liquidez!AE251","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Importe Total a Cubrir:",null,null,null,{"$f":"Liquidez!AE255","v":""}]
[]
[]
[]
["Cotización"]
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["Cotización"]
[]
["Mes",null,"Saldo de Capital",null,null,null,"Pago a Capital",null,null,null,"Pago de Interés",null,null,null,"Pago Fijo Mensual (Capital + Intereses)",null,null,null,"Seguro de Vida",null,null,null,"Seguro de Daños",null,null,null,"IVA de Intereses",null,null,null,"Prepagos",null,null,null,"Desembolso Total del Cliente",null,null,null,"Pago Total sin IVA",null,null,null,"Pago Total Mensual",null,null,null,"Saldo Final"]
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[null,null,null,null,"Inversión Inicial del Cliente1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inversión Inicial del Cliente1"]
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[null,null,null,null,null,null,null,null,null,null,null,"Enganche:",{"$f":"IF(H245=\"\",\"\",Calculos!CK61)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Enganche:",{"$f":"IF(AD245=\"\",\"\",Calculos!CL61)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Avalúo Hipotecario con IVA (Reembolsable)2:",{"$f":"IF(H245=\"\",\"\",Calculos!CK62)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Avalúo Hipotecario con IVA (Reembolsable)2:",{"$f":"IF(AD245=\"\",\"\",Calculos!CL62)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Gastos Notariales:",{"$f":"IF(H245=\"\",\"\",IF(M280=\"\",Calculos!CJ64,\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gastos Notariales:",{"$f":"IF(AD245=\"\",\"\",IF(M280=\"\",Calculos!CJ64,\"\"))","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Monto:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monto:",{"$f":"IF(M280=\"\",\"\",M280)","v":""}]
[]
[null,null,null,"Comisión de Contratación3:",null,null,null,null,null,null,null,null,{"$f":"IF(H245=\"\",\"\",Calculos!CK50)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"Comisión de Contratación3:",null,null,null,null,null,null,null,null,{"$f":"IF(AD245=\"\",\"\",Calculos!CL50)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,"Amarra Tu Tasa*:",null,{"$f":"IF(H245=\"\",\"\",Calculos!CK65)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amarra Tu Tasa*:",{"$f":"IF(AD245=\"\",\"\",Calculos!CL65)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,"Gastos de Titulación:",{"$f":"IF(H245=\"\",\"\",Calculos!CK38+Calculos!CK44)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gastos de Titulación:",{"$f":"IF(AD245=\"\",\"\",Calculos!CL38+Calculos!CL44)","v":""}]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Total de gastos iniciales (cliente):",{"$f":"IF(H245=\"\",\"\",Calculos!CK66-IF(Calculos!CM13=1,Calculos!CK50))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total de gastos iniciales (cliente):",{"$f":"IF(AD245=\"\",\"\",Calculos!CL66-IF(Calculos!CM13=1,Calculos!CL50))","v":""}]
[]
[null,null,null,null,null,null,null,"Banamex financia los Gastos Notariales:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Banamex financia los Gastos Notariales:"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Calculos!CP5=1,IF(H245=\"\",\"\",IF(Calculos!DD5=1,IF((H245-MONSOLIENGAN)<0,0,H245-MONSOLIENGAN),0)),IF(H245=\"\",\"\",IF(Calculos!DD5=1,IF((H245+Calculos!CK46+MONSOLIENGAN-VVIVIENDA)<0,0,H245+Calculos!CK46+MONSOLIENGAN-VVIVIENDA),0)))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Calculos!CP5=1,IF(AD245=\"\",\"\",IF(Calculos!DD5=1,IF((AD245-MONSOLIENGAN)<0,0,AD245-MONSOLIENGAN),0)),IF(AD245=\"\",\"\",IF(Calculos!DD5=1,IF((AD245+Calculos!CK46+MONSOLIENGAN-VVIVIENDA)<0,0,AD245+Calculos!CK46+MONSOLIENGAN-VVIVIENDA),0)))","v":""}]
[]
[null,null,null,null,null,"financía los gastos de originación:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"financía los gastos de originación:"]
[null,"1 Las cifras presentadas son unicamente una estimación con base en la información proporcionada por el solicitante."]
[null,"2 Reembolso de avalúos hipotecario al 100% (Aplica para avalúos hipotecario de viviendas hasta 15 millones de pesos, si excede ese monto, el cliente deberá pagar la diferencia. ) Comisión registrada en Banco de México como \"Comisión Gastos de Preoriginación – avalúo hipotecario\"."]
[null,"3 Comisión registrada en Banco de México como \"Comisión Contratación – crédito\"."]
[null,"* Recuerda que puedes adherirte al programa de Amarra tu Tasa la cual te dará el beneficio de mantener la tasa del crédito hasta por 12 meses. Para tener más detalles de este beneficio contacta a tu Asesor Hipotecario."]
[]
[null,"La información contenida en este documento es únicamente para fines ilustrativos y se basa en información proporcionada por el solicitante. Las condiciones pueden cambiar en cualquier momento sin necesidad de previo aviso. No implica que el crédito haya sido autorizado. Esta no es una oferta vinculante."]

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[null,null,null,null,null,null,null,null,null,null,null,null,"Hipoteca Perfiles Banamex"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2025-11-05"}]
[]
[null,null,null,null,null,null,null,"Nombre del Cliente:",{"$f":"Calculos!$CK$24","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inversión del cliente"]
[]
[null,null,null,null,null,null,null,"Plazo del Crédito:",{"$f":"VLOOKUP(Calculos!$CV$5,Calculos!$CN$104:$CO$106,2,0)","v":"20 Años"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gastos Notariales:",{"$f":"+IF(ADQUISICION!M280=\"\",ADQUISICION!M278,ADQUISICION!M280)","v":""}]
[]
[null,null,null,null,null,null,null,"Tasa de Interés:",{"$f":"Calculos!$CK$48","v":{"$error":"#VALUE!"}},null,null,null,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 Hipotecario con IVA:",{"$f":"+ADQUISICION!M276","v":""}]
[null,null,null,null,null,null,null,2000000]
[null,null,null,null,null,null,null,"Monto del Crédito:",{"$f":"Calculos!$CK$47","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Comisión de Contratación:",{"$f":"+ADQUISICION!M282","v":""}]
[null,null,null,null,null,null,null,1000000]
[null,null,null,null,null,null,null,"CAT sin IVA:",{"$f":"((IRR(AM127:AP367,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Enganche:",{"$f":"+ADQUISICION!M274","v":""}]
[null,null,null,null,null,null,null,10000000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gastos de Titulación:",{"$f":"IF(ADQUISICION!H245=\"\",\"\",Calculos!CK38+Calculos!CK44)","v":""}]
[]
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[]
["Cotización",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Importe Total a Cubrir:",{"$f":"+ADQUISICION!M288","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Calculos!$DD$5=1,\"Banamex financia  los Gastos Notariales:\",\"Banamex cubre los Gastos Notariales:\")","v":"Banamex cubre los Gastos Notariales:"},{"$f":"+ADQUISICION!M291","v":""}]
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["Cotización"]
[]
["Mes",null,"Saldo de Capital",null,null,null,"Pago a Capital",null,null,null,"Pago de Interés",null,null,null,"Pago Fijo Mensual (Capital + Intereses)",null,null,null,"Seguro de Vida",null,null,null,"Seguro de Daños",null,null,null,{"$f":"IF(AND(Calculos!$CZ$5=4),\"Aportación Infonavit\",\"\")","v":""},null,null,null,"Prepagos",null,null,null,"Desembolso Total del Cliente",null,null,null,"Pago Total Mensual",null,null,null,"Saldo Final"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"La Hipoteca a tu Medida"]
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[]
[null,null,null,null,null,null,null,null,"Nombre del Cliente:",{"$f":"ADQUISICION!$H$11","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inversión del Cliente"]
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[null,null,null,null,null,null,null,null,"Plazo del Crédito:",{"$f":"VLOOKUP(Calculos!$CW$5,Calculos!$CN$110:$CP$110,2,0)","v":"20 Años"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gastos Notariales:",{"$f":"+IF(ADQUISICION!AI280=\"\",ADQUISICION!AI278,ADQUISICION!AI280)","v":""}]
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[null,null,null,null,null,null,null,null,"Tasa de Interés:",{"$f":"Calculos!$CL$48","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,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 Hipotecario con IVA:",{"$f":"+ADQUISICION!AI276","v":""}]
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[null,null,null,null,null,null,null,null,"Monto del Crédito:",{"$f":"Calculos!$CL$47","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Comisión de Contratación:",{"$f":"+ADQUISICION!AI282","v":""}]
[]
[null,null,null,null,null,null,null,null,"CAT sin IVA:",{"$f":"((IRR(AO127:AR367,0.0001)+1)^12)-1","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Enganche:",{"$f":"+ADQUISICION!AI274","v":""}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gastos de Titulación:",{"$f":"IF(ADQUISICION!AD245=\"\",\"\",Calculos!CL38+Calculos!CL44)","v":""}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amarra Tu Tasa:",{"$f":"Calculos!CK92","v":0}]
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["Cotización",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Importe Total a Cubrir:",{"$f":"+ADQUISICION!AI288","v":""}]
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["Cotización"]
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["Mes",null,"Pago",null,"Saldo de Capital",null,null,null,"Pago a Capital",null,null,null,"Pago de Interés",null,null,null,"Pago Fijo Mensual (Capital + Intereses)",null,null,null,"Seguro de Vida",null,null,null,"Seguro de Daños",null,null,null,{"$f":"IF(AND(Calculos!$CZ$5=4),\"Aportación Infonavit\",\"\")","v":""},null,null,null,"Prepagos",null,null,null,"Desembolso Total del Cliente",null,null,null,"Pago Total Mensual",null,null,null,null,"Saldo Final"]
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[null,null,null,null,null,null,null,null,null,null,null,null,"Documentación para la Comprobación de Ingresos"]
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["De acuerdo a su perfil, usted debe reunir la siguiente documentación para la comprobación de sus ingresos:"]
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["Tipo de Ingreso",null,null,null,null,null,"Tipo de Actividad",null,null,null,null,null,null,null,null,null,null,null,"Tipo de Comprobación",null,null,null,null,null,null,null,null,"Periodicidad"]
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["Documentación requerida como Asalariado:"]
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["Documentación requerida como Independiente:"]
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[null,"En caso de tener duda con la documentación mencionada, contacte al ejecutivo que lo atendió, ¡El esta en la mejor disposición de ayudarlo!"]