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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"7 años","10 años","15 años","20 años",null,null,null,null,null,null,null,{"$f":"IF(OR(U35=4,U35=5),\"SI\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tasa",0.10299999999999999,0.10299999999999999,0.105,0.105,null,null,null,null,null,null,null,{"$f":"IF(OR(U35=4,U35=5),\"NO\",\"\")","v":""}]
[null,null,"FINANCIAMIENTO SCOTIABANK - FOVISSSTE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pago por mil",16.84,13.47,11.16,10.1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ingreso Mínimo",{"$f":"$I$26/1000*T5/$AC$35","v":0},{"$f":"$I$26/1000*U5/$AC$35","v":0},{"$f":"$I$26/1000*V5/$AC$35","v":0},{"$f":"$I$26/1000*W5/$AC$35","v":0}]
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[null,null,{"$f":"TODAY()","v":"2024-03-22"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tasa",{"$f":"IF(T22=1,T4,IF(T22=2,U4,IF(T22=3,V4,W4)))","v":0.105}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PPM",{"$f":"IF(T22=1,T5,IF(T22=2,U5,IF(T22=3,V5,W5)))","v":10.1}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ingreso Mínimo",{"$f":"IF(T22=1,T6,IF(T22=2,U6,IF(T22=3,V6,W6)))","v":0}]
[null,null,"Nombre del Ejecutivo Especializado / Broker Hipotecario",null,null,null,"Nombre del cliente / Conyuge en su caso"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Contratación de Seguro Daños",null,null,"Daños",3.1E-4,{"$f":"W12","v":3.1E-4}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(U35=2,\"FOVISSSTE\",\"Externo\")","v":"FOVISSSTE"},1]
[null,null,"Sucursal",null,null,null,"Teléfonos",null,null,null,null,"Fecha Firma",null,null,null,null,null,null,{"$f":"+IF(U35=1,\"Scotiabank\",\"\")","v":""}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Contratación de Seguro Vida",null,null,"Vida",{"$f":"+IF(U35=1,X17,X18)","v":2.5250000000000001E-4},{"$f":"X18*2","v":5.0500000000000002E-4}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Scotiabank",1,null,null,null,2.5250000000000001E-4]
[null,null,"Escoja la opción de su interés:",null,null,null,"Detalle",null,null,null,null,null,null,null,null,null,null,null,"Externo"]
[]
[null,null,"Como desea hacer su cálculo",null,null,null,"Producto",{"$f":"IF(U35=2,\"Fovissste para todos\",\"Fovissste - prestadores de servicios\")","v":"Fovissste para todos"},null,null,null,"% de financiamiento Banco",null,null,null,null,null,null,"Plazo"]
[null,null,null,null,null,null,"Plazo",{"$f":"IFERROR(INDEX($S$22:$S$25,$T$22),\"\")","v":"20 años"},null,null,null,null,{"$f":"+IF(N25=0,0,IF(O27=\"\",I26/N25,O27/N25))","v":0},null,null,null,null,null,"7 años",4]
[null,null,{"$f":"IF(Y37=1,\"Valor de la vivienda\",IF(Y37=2,\"Ingresos Mensuales\",\"Monto de Crédito\"))","v":"Monto de Crédito"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"10 años"]
[null,null,"Valor Destructible",null,null,null,null,"Recursos",null,null,null,null,null,null,null,null,null,null,"15 años"]
[null,null,{"$f":"IF(D23=0,\"\",IF(AND($Y$37=1,D23<$AB$35),AD37,IF(D23<$Y$35,AD38,\"\")))","v":""},null,null,null,"Crédito Máximo posible",null,{"$f":"IF(AC71=\"\",AD35,AC71)","v":0},null,"Valor de vivienda",null,null,{"$f":"AA71","v":0},null,null,null,null,"20 años"]
[null,null,null,null,null,null,"Crédito solicitado",null,{"$f":"I25","v":0}]
[null,null,"Plazo del crédito",null,null,null,{"$f":"IF(I26=0,\"\",IF(I26>I25,$AD$39,IF(I26<Z35,\"Crédito debajo del mínimo\",\"\")))","v":""},null,{"$f":"IF(I26=0,\"\",IF($I$26<$Z$35,$Z$35,\"\"))","v":""},null,"Gastos de Originación",null,null,null,null,null,null,null,"Cuenta",null,null,"Nombre","NUMERO DE RECA ACTUAL"]
[null,null,"Tipo de comisión",null,null,null,{"$f":"IF(D23=\"\",\"\",IF(AND(Y37=3,I26>AD40),\"El crédito solicitado debe ser igual al máximo\",IF(I26+I31>N25,\"El crédito SB + SSV no debe ser mayor al valor de la vivienda\",\"\")))","v":""},null,null,null,null,null,null,null,null,null,null,null,"Individual",1,1,{"$f":"RECAS!C3","v":"Fovissste para todos Individual "},{"$f":"RECAS!D3","v":"0319-138-034644/07-00094-0124"}]
[null,null,null,null,null,null,{"$f":"IF(S58=1,\"Ajustar monto del crédito a:\",\"\")","v":""},null,{"$f":"IF(S58=1,N25-T55,\"\")","v":""},null,{"$f":"IF($U$35=3,\"Infonavit impuestos y derechos\",\"Impuestos y derechos\")","v":"Impuestos y derechos"},null,null,{"$f":"IFERROR(IF(M29=\"\",O29/N$25,\"\"),0)","v":0},{"$f":"IFERROR(IF(M29=\"\",N25*$AB$38,N25*M29),0)","v":0},null,null,null,"Mancomunada",null,2,{"$f":"RECAS!C4","v":"Fovissste para todos Mancomunado "},{"$f":"RECAS!D4","v":"0319-138-034645/07-00095-0124"}]
[null,null,"Tipo de Seguro de Daños",null,null,null,{"$f":"IF(U35=1,\"\",\"Total Subcuenta vivienda\")","v":"Total Subcuenta vivienda"},null,{"$f":"IF(U35=2,T55,\"\")","v":0},null,"Honorarios notariales",null,null,{"$f":"IFERROR(IF(M30=\"\",O30/N$25,\"\"),0)","v":0},{"$f":"IFERROR(IF(M30=\"\",N25*$AB$39,N25*M30),0)","v":0}]
[null,null,"Tipo de Seguro de Vida",null,null,null,null,null,null,null,{"$f":"IF(U35=2,\"Descuento (50% Honorarios Credito Fovissste)\",\"\")","v":"Descuento (50% Honorarios Credito Fovissste)"},null,null,null,{"$f":"IF(U35=2,(IF(M30=\"\",N30,M30)*(D39+D45))/2*-1,\"\")","v":0}]
[null,null,"Cuenta",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tipo de Crédito",null,"Com Apert","Coms. prepago","LTV","Ingresos min.","Monto min.","Monto max","Valor min. viv.","PTI","Crédito máximo disponible"]
[null,null,null,null,null,null,null,null,null,null,null,"Costo Avalúo",{"$f":"IF(N25>$T$96,\"'Favor de Cotizar'. Val. apróx.\",\"\")","v":""},null,{"$f":"IFERROR(IF(U35=1,0,VLOOKUP(N25,$S$76:$U$97,3)),0)","v":0},null,null,null,1,"Honorarios",null,0,0.03,0.95,7500,250000,15000000,300000,0.55000000000000004,{"$f":"$W$71","v":0},"CREDIRESIDENCIAL"]
[null,null,{"$f":"IF(U35=2,\"Información Fovissste\",\"\")","v":"Información Fovissste"},null,null,null,null,null,null,null,null,"Comisión por apertura",null,null,{"$f":"IFERROR(IF(T37=2,0,I26*V35),0)","v":0},null,null,null,2,"Empleado",null,0,0,0.95,7500,120000,15000000,300000,0.55000000000000004,{"$f":"$W$71","v":0},"CREDIRESIDENCIAL"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Selección",2,{"$f":"IFERROR(IF(#REF!<>\"\",#REF!,VLOOKUP($U35,$S$33:$AC$34,4,0)),0)","v":0},{"$f":"IFERROR(VLOOKUP($U35,$S$33:$AC$34,5,0),0)","v":0},{"$f":"IFERROR(VLOOKUP($U35,$S$33:$AB$34,6,0),0)","v":0.95},{"$f":"IFERROR(VLOOKUP($U35,$S$33:$AB$34,7,0),0)","v":7500},{"$f":"IFERROR(VLOOKUP($U35,$S$33:$AB$34,8,0),0)","v":120000},{"$f":"IFERROR(VLOOKUP($U35,$S$33:$AB$34,9,0),0)","v":15000000},{"$f":"IFERROR(VLOOKUP($U35,$S$33:$AB$34,10,0),0)","v":300000},{"$f":"IFERROR(VLOOKUP($U35,$S$33:$AC$34,11,0),0)","v":0.55000000000000004},{"$f":"IFERROR(VLOOKUP($U35,$S$33:$AD$34,12,0),0)","v":0}]
[null,null,{"$f":"IF(U35=2,\"Cofinanciamientos (datos del titular)\",\"\")","v":"Cofinanciamientos (datos del titular)"},null,null,null,{"$f":"IF(U35=2,\"Recursos Totales:\",\"Crédito Banco:\")","v":"Recursos Totales:"},null,{"$f":"IF(I26>I25,\"Crédito solicitado fuera de rango\",IF(U35=2,I26+I30,I26))","v":0},null,null,{"$f":"+IF(OR(U35=4,U35=5),\"Gastos de originación - Gastos Financiados\",\"Gastos de originación\")","v":"Gastos de originación"},null,null,{"$f":"+SUM(O29:O34)","v":0}]
[null,null,null,null,null,null,{"$f":"IF($U$35=2,\"Crédito SB + SSV al frente\",\"\")","v":"Crédito SB + SSV al frente"},null,{"$f":"IFERROR(IF(U35=2,I36/N25,\"\"),0)","v":0},null,null,null,null,null,null,null,null,null,"COMISION",1,null,null,"CALCULO",null,3,null,{"$f":"IF($U$35=3,\"Infonavit gastos de originación\",\"\")","v":""},0.05,null,"CDMX, GDL, MTY $300,000 / \nResto $275,000"]
[null,null,"Salario base",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No aplica",null,null,null,"Por Valor del Inmueble",null,null,null,{"$f":"IF($U$35=3,\"Infonavit impuestos y derechos\",\"Impuestos y derechos\")","v":"Impuestos y derechos"},0.05,null,"Ingresos menores al mínimo"]
[null,null,{"$f":"IF(U35=1,\"\",\"Subcuenta de vivienda\")","v":"Subcuenta de vivienda"},null,null,null,null,null,{"$f":"IFERROR(IF($U$35=6,\"\",IF(OR(U35=4,U35=5),\"Desembolso\",IF(I36-N25>0,\"Monto Remanente\",\"Enganche para la compra\"))),0)","v":"Enganche para la compra"},null,null,{"$f":"IFERROR(IF(OR(U35=4,U35=5),0,$N$25-$I$36),0)","v":0},{"$f":"IF(L39<0,\"negativo significa remanente para el cliente\",\"\")","v":""},null,null,null,null,null,"Apertura",null,null,null,"Por Ingresos",null,null,null,"Honorarios notariales",0.02,null,"Crédito fuera de rango"]
[null,null,null,null,null,null,null,null,"Gastos de originación",null,null,{"$f":"O36","v":0},null,null,null,null,null,null,"Prepago",null,null,null,"Por Importe de Crédito",null,null,null,null,null,null,{"$f":"IF(T57=5,7000000,15000000)","v":15000000},"Rango de Política por monto máximo"]
[null,null,null,null,null,null,null,null,"Inversión cliente",null,null,{"$f":"IF($U$35=6,L40,L39+L40)","v":0}]
[null,null,{"$f":"IF(U35=2,\"Cofinanciamiento (datos del conyuge, si aplica))\",\"\")","v":"Cofinanciamiento (datos del conyuge, si aplica))"},null,null,null,"CAT",null,{"$f":"'Tabla de amortizacion'!B10","v":0},null,null,null,"Parámetros de crédito"]
[null,null,null,null,null,null,"Mensualidad",null,{"$f":"IF(I26>I25,\"Crédito solicitado fuera de rango\",'Tabla de amortizacion'!D15+'Tabla de amortizacion'!T15+'Tabla de amortizacion'!V15)","v":0},null,null,null,"Crédito mínimo",{"$f":"$Z$35","v":120000}]
[null,null,"Salario base",null,null,null,"Tasa",null,{"$f":"T8","v":0.105},null,null,null,"Enganche mínimo",{"$f":"IF($X$35=0,0,1-$X$35)","v":5.0000000000000044E-2},null,null,null,null,"CALCULO PARA EL IMPORTE MAXIMO DE APORTACION PATRONAL"]
[null,null,{"$f":"IF(U35=1,\"\",\"Subcuenta de vivienda\")","v":"Subcuenta de vivienda"},null,null,null,"Pago al millar $",null,{"$f":"+T9","v":10.1},null,null,null,"Valor mínimo inmueble","CDMX, GDL, MTY $300,000\nResto $275,000",null,null,null,null,"Salario diario nominal (enero 2021)",null,1000,"No existe tope"]
[null,null,null,null,null,null,"Ingreso mínimo",null,{"$f":"T10","v":0},null,null,null,null,null,null,null,null,null,"Tope de aportación patronal (Veces el SMGVDF)",null,25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aportación patronal",null,{"$f":"+U45*U46","v":25000}]
[null,null,null,null,null,null,{"$f":"IF($U$35=3,\"Cofinavit (Ajustado al 100% de los gastos)\",\"\")","v":""},null,null,null,null,{"$f":"IF($U$35=3,\"SI                     NO\",\"\")","v":""},null,null,null,null,null,null,"Aportación Patronal 5%",null,{"$f":"+U47*0.05","v":1250}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"     (Crédito para vivienda)",0.05]
[null,null,"Observaciones:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No. de días del bimestre (promedio 60 días)",null,60]
[null,null,"- Los impuestos y derechos están calculados al 5.00% del valor del inmueble, pueden cambiar dependiendo de la entidad federativa.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aportación Patronal bimestral",null,{"$f":"+U48*U50","v":75000},"No existe tope"]
[null,null,"- Los honorarios notariales en los créditos en cofinanciamiento están calculados al 2.00% del valor del inmueble, pueden variar dependiendo de la entidad federativa.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Incremento anual promedio para las aportaciones = ",null,0.03]
[null,null,"-  El crédito solicitado dependerá de la capacidad de pago de cada cliente",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Max, Salario Base"]
[null,null,"-  Scotiabank se reserva el derecho de solicitar información adicional y/o restringir parámetros de enganche, monto, plazo o tasa en función de las características específicas ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Salario Base",{"$f":"+D44+D38","v":0},{"$f":"IF(Y37=2,I46-D44,1000000)","v":1000000},{"$f":"IF(Y37=2,I46-D38,1000000)","v":1000000}]
[null,null,"    del solicitante y del inmueble objeto de la operación.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total Subcuenta de vivienda",{"$f":"+D39+D45","v":0}]
[null,null,"-  En caso de que aplique, la comisión por pagos anticipados causa I.V.A."]
[null,null,"- Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tope Máximo SSV + Crédito SBI"]
[null,null,"- Este documento NO implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank.",null,null,null,null,null,null,null,null,null,null,null,"v2024.01",null,null,null,{"$f":"IF(D23=\"\",\"\",IF(I26+T55>N25,1,0))","v":""}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Selección"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Esquema","Fovissste",null,null,"Cred. max",null,"Erogación",null,"Valor de vivienda ",null,"Ingresos"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Plazo",{"$f":"IF($T$22=1,S22,IF($T$22=2,S23,IF($T$22=3,S24,S25)))","v":"20 años"},null,"Por Valor Inmueble",{"$f":"IFERROR(IF($Y$37=3,D23,MIN(D23*X35,D23-D39-D45)),0)","v":0},null,{"$f":"W67/1000*$T$69","v":0},null,{"$f":"IFERROR(IF($Y$37=3,MAX(D23/X35,D23+D39+D45),D23),0)","v":0},null,{"$f":"W67/1000*$T$71/$AC$35","v":0},{"$f":"$Y$35","v":7500},{"$f":"MAX(AC67:AD67)","v":7500}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tasa",{"$f":"T8","v":0.105},null,"Por Ingresos",{"$f":"IFERROR(Y68/(T71/1000),0)","v":0},null,{"$f":"IFERROR(D23*AC35,0)","v":0},null,{"$f":"MAX(W68/$X$35,W68+D39+D45)","v":0},null,{"$f":"D23","v":0},{"$f":"$Y$35","v":7500},{"$f":"MAX(AC68:AD68)","v":7500}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PPM",{"$f":"+T9","v":10.1}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inc anual",0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ppm (cap pago)",{"$f":"+T69","v":10.1},null,"Cred. máximo",{"$f":"IF(OR($Y$37=1,$Y$37=3),W67,W68)","v":0},null,null,null,{"$f":"IF(OR($Y$37=1,$Y$37=3),AA67,AA68)","v":0},null,{"$f":"IF(AND(Y37=2,T53=1,T57>3,SUM(Z30:Z31)>0),AC68*25,\"\")","v":""},null,{"$f":"IF($Y$37=1,AE67,AE68)","v":7500}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cred. Máximo Pago de Pasivos",null,null,null,null,null,null,"LTI"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mayor a","Hasta a","Importe",null,null,null,null,null,null,25,1250000]
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{"sheet":"Tabla de amortizacion","index":1,"n_rows":258,"n_cols":58,"rows_kept":258,"cut":false,"hidden":false,"merged":[[2,0,2,25],[3,0,3,25],[0,0,0,25],[1,0,1,25],[4,11,4,13]]}
["Scotiabank Inverlat, S.A., Institución de Banca Múltiple, Grupo Financiero Scotiabank Inverlat",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"-"]
[{"$f":"PROPER(\"FINANCIAMIENTO SCOTIABANK - Fovissste\")","v":"Financiamiento Scotiabank - Fovissste"}]
[{"$f":"PROPER(\"TABLA DE AMORTIZACION\")","v":"Tabla De Amortizacion"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Comisión por apertura",{"$f":"IFERROR(Simulador!O34*1,0)","v":0}]
[{"$f":"\"Esquema FOVISSSTE - \"&IF(Simulador!T22=1,Simulador!S22,IF(Simulador!T22=2,Simulador!S23,IF(Simulador!T22=3,Simulador!S24,Simulador!S25)))","v":"Esquema FOVISSSTE - 20 años"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,"Avalúo",{"$f":"IFERROR(Simulador!O33*1,0)","v":0}]
["Observaciones",null,null,null,null,null,null,null,null,null,null,{"$f":"Simulador!C8","v":"2024-03-22"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de plazo",null,null,null,null,null,"Total",{"$f":"+AI4+AI3","v":0}]
["- En caso de que aplique la comisión por prepagos causa IVA y en la corrida ya lo incluye",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Simulador!U35=2,\"\",\"Disminución de pago\")","v":""}]
["- El escenario que se presenta en la tabla de amortización siempre es considerando que se paga de manera puntual el crédito.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AT11*12","v":0}]
["- Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"((1+AT11)^12)-1","v":0}]
["- Este documento NO implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"El crédito se liquida en:",null,null,{"$f":"AD13","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Corrida para CAT"]
["- CAT =.",{"$f":"AT8","v":0},"\"Para fines informativos de comparación exclusivamente sin IVA\"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AE13","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TIR"]
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[null,null,null,"Erogación \n(a+b)",null,"Interés \n(a)",null,"Amortización (b)",null,"Prepagos a capital (c)",null,null,null,null,null,null,null,null,null,"Seguro de \nvida y desempleo (d)",null,"Seguro de daños \n(e)",null,null,"Pago Mensual (a+b+c+d+e)"]
[null,null,null,{"$f":"SUM(D15:D254)","v":0},null,{"$f":"SUM(F15:F254)","v":0},null,{"$f":"SUM(H15:H254)","v":0},null,{"$f":"SUM(J15:J254)","v":0},null,null,null,null,null,null,null,null,null,{"$f":"SUM(T15:T254)","v":0},null,{"$f":"SUM(V15:V254)","v":0},null,null,{"$f":"SUM(Y15:Y254)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Y15:Y255)","v":0}]

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[]
["Carátula de Crédito "]
[null,null,null,"Nombre del Acreditado y/o Coacreditado:"]
[null,null,null,{"$f":"IF(Simulador!G12=\"\",\"\",Simulador!G12)","v":""}]
[null,null,null,"Número de Crédito:"]
[]
["Nombre comercial del producto:",{"$f":"VLOOKUP(Simulador!$T$28,Simulador!$U$27:$W$29,2,0)","v":"Fovissste para todos Individual "}]
[]
["Tipo de Crédito: Crédito Hipotecario "]
["CAT","TASA DE INTERES","MONTO O LINEA DE","MONTO TOTAL A PAGAR O"]
["(Costo Anual Total)","ANUAL ORDINARIA","CRÉDITO","MINIMO A PAGAR"]
[{"$f":"Simulador!I42","v":0},{"$f":"IFERROR(IF(Simulador!D23=0,0,Simulador!I44),0)","v":0},{"$f":"IFERROR(IF(Simulador!O27=\"\",Simulador!I26,Simulador!O27),0)","v":0},{"$f":"IFERROR(SUM('Tabla de amortizacion'!$Y$15:$Y$254),0)","v":0}]
["Sin IVA",null,null,"Moneda en"]
["Para fines",null,null,"Pesos"]
["informativos y de",null,null,"Mexicanos "]
["comparación","Tasa Fija"]
["PLAZO DEL CRÉDITO:","Fecha Límite de pago:"]
[{"$f":"Simulador!T67","v":"20 años"},{"$f":"IF(Simulador!U35=2,\"Tu fecha de pago es el día 3 de cada mes\",IF(AND(DAY(Simulador!L15)>=3,DAY(Simulador!L15)<=16),\"Si tu fecha de corte es el día 3, tu fecha de pago es el día 3 de cada mes.\",\"Si tu fecha de corte es el día 17, tu fecha de pago es el día 17 de cada mes.\"))","v":"Tu fecha de pago es el día 3 de cada mes"}]
[null,"Fecha de corte:"]
[null,{"$f":"IF(Simulador!U35=2,\"Tu fecha de corte será el día 3 de cada mes\",IF(AND(DAY(Simulador!L15)>=3,DAY(Simulador!L15)<=16),\"Si tu fecha de disposición es entre el dia 3 y 16, tu fecha de corte será el día 3 de cada mes.\",\"Si tu fecha de disposición es entre el día 17 y 2, tu fecha de corte será el día 17 de cada mes.\"))","v":"Tu fecha de corte será el día 3 de cada mes"}]
["COMISIONES RELEVANTES"]
[{"$f":"\"Apertura: \"&TEXT(Simulador!O34,\"$###,###.00\")","v":"Apertura: $.00"},null,{"$f":"IF(Simulador!T28=2,\"Cobranza: $350.00 más IVA por pago tardío\",\"Cobranza: $500.00 más IVA por pago tardío\")","v":"Cobranza: $500.00 más IVA por pago tardío"}]
[{"$f":"\"Prepago: \"&IF(Simulador!T37=1,\"0% \",\"3% \")&\"más IVA sobre el monto anticipado\"","v":"Prepago: 0% más IVA sobre el monto anticipado"},null,"Para otras comisiones consulte la cláusula décimo tercera"]
["ADVERTENCIAS"]
[]
["Incumplir tus obligaciones te puede generar comisiones e intereses moratorios. "]
["Contratar créditos que excedan tu capacidad de pago afecta tu historial crediticio. "]
["El avalista, obligado solidario o coacreditado responderá como obligado principal por el total del pago frente a la Institución Financiera. "]
["SEGUROS"]
["Seguros Obligatorios:","Aseguradora:","Cláusulas:"]
[]
["Vida y Desempleo","Cardif México Seguros de Vida,          S.A. de C.V.","Vigésima Cuarta"]
[null,null,"Scotiabank Inverlat le ofrece al acreditado y/o coacreditado, la posibilidad de contratar a nombre de este (os) último(s) los seguros establecidos en la cláusula vigésima cuarta. Lo anterior sin perjuicio del derecho innegable que el cliente tiene de contratarlos a través de terceros."]
["Daños y Responsabilidad Civil","Cardif México Seguros de Vida,          S.A. de C.V."]
[]
[]
["ESTADO DE CUENTA"]
["Enviar a Domicilio ü              Consulta vía Internet ___            Envio por Correo Electrónico ___"]
["Aclaraciones y reclamaciones:"]
["Unidad Especializada de Aclaraciones:"]
["Domicilio: Río Usumacinta S/N, esq. con Fernando Montes de Oca, Col. La Presita, Municipio de Cuautitlán Izcalli, Estado de México, C.P. 54763"]
["Teléfono: (55) 5123 0990"]
["Correo electrónico: une@scotiabank.com.mx"]
["Página de Internet: www.scotiabank.com.mx "]
["Registro de Contratos de Adhesión Núm:",null,{"$f":"VLOOKUP(Simulador!$T$28,Simulador!$U$27:$W$29,3,0)","v":"0319-138-034644/07-00094-0124"}]
["Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (CONDUSEF):"]
["Teléfono: 800 999 8080 y (55) 5340 0999. Página de Internet. www.condusef.gob.mx "]

{"sheet":"RECAS","index":3,"n_rows":4,"n_cols":8,"rows_kept":4,"cut":false,"hidden":false,"merged":[[0,1,0,4]]}
[{"$f":"Simulador!$U$35&\"-\"&Simulador!$T$53&\"-\"&IF(OR(Simulador!$D$44>0,Simulador!$D$46>0),2,1)","v":"2--1"},"RECAS"]
["Clave","No.","Nombre","RECA","Fecha de expedición","Tipo Crédito","Esquema","Mancomunado"]
[null,42,"Fovissste para todos Individual ","0319-138-034644/07-00094-0124","2024-01-15"]
[null,43,"Fovissste para todos Mancomunado ","0319-138-034645/07-00095-0124","2024-01-15"]

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[null,null,null,null,null,null,null,null,null,"http://mxmtyipr1as2029:90/intranet/normatividad/Manuales%20Publicados/92EF8FF4A3C8837A8625798F005DF729.aspx"]
["A) PORCENTAJE DE AFORO VS. PRODUCTO PARA CRÉDITOS MENORES O IGUALES A $5,000,000 ",null,null,null,null,null,null,null,null,"Visión General del Manual de Créditos al Menudeo, Crédito Hipotecario"]
["El Aforo estará alineado al producto que se desee adquirir vs Índice de Riesgo, acorde a lo siguiente:"]
["IR","VALORA Y PAGOS OPORTUNOS"]
[null,"Adquisición (1)",null,null,null,"Liquidez Vivienda Terrenos","Construcción / Renovación II, III y IV ","Renovación I"]
[null,"Empleados ","Empleados ","Independientes","Vivienda"]
[null,"con apoyo","sin apoyo",null,"Descanso"]
[1,0.95,0.95,0.9,0.65,"Hasta el 50% de acuerdo al valor del avalúo de la garantía. ","Hasta el 70% del valor proyectado (o de referencia) de la vivienda o el 100% del valor de construcción, el menor.","Hasta el 70% de acuerdo al valor del avalúo de la garantía."]
[2,0.95,0.9,null,0.65]
[3,null,0.85,0.85,0.5,null,"Nota: en el apartado A.7 se muestra la metodología de cálculo para valor proyectado o de referencia."]
[4,0.85,0.8,0.75,0.5]
[5,0.8,0.7,0.5,0.5]
[]
[]
[]
[null,"B) AFORO PARA CRÉDITOS MAYORES A $5,000,000:"]
[]
[null,"Para créditos que superen los 5,000,000, el Aforo máximo está en función del importe del crédito, como se indica a continuación:"]
[null,"ADQUISICIÓN"]
[null,"Índice de Riesgo / Rango del crédito","Mayor a $5 MDP hasta $6.5 MDP","Mayor a $6.5 MDP hasta $8 MDP","Mayor a $8 MDP"]
[null,1,0.8,0.8,0.65]
[null,2]
[null,3,0.7,0.7,0.55000000000000004]
[null,4,0.65,0.55000000000000004]
[null,5,0.5,0.5,0.5]
[]
[null,"CRÉDITOS DE CONSTRUCCIÓN Y RENOVACIÓN"]
[null,"Índice de Riesgo / Rango del crédito","Mayor a $5 MDP Menor o igual a $6.5 MDP","Mayor a $6.5 MDP"]
[null,1,0.7,0.65]
[null,2]
[null,3,0.65]
[null,4]
[null,5]
[null,"Nota: Para CrediLiquidez, el aforo será de acuerdo a la tabla del inciso A)"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,51,"Crediliquidez Libre Valora","0319-138-027732/02-04095-0717","2017-07-28"]
[null,52,"Crediliquidez Libre Hipoteca 7X5","0319-138-027733/02-04096-0717","2017-07-28"]
[null,53,"Crediliquidez Libre Pagos Oportunos","0319-138-027734/02-04097-0717","2017-07-28"]
[]
[]
[]
[]
[]
[null,"Pagos Oprtunos (Versión Incorrecta)"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"7x5"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["A aparti del 05 de abril 2017"]
[]
["Esquemas","Valora"]
["Plazo / (IR)","1+",1,2,3,4,"R"]
["Tasa",9.7500000000000003E-2,0.10249999999999999,0.1075,0.11,0.115,0.11749999999999999]
["PPM 20 años",8.48,8.85,9.27,9.5,9.9499999999999993,10.15]
["PPM 15 años",9.58,9.84,10.14,10.51,10.69,10.98]
["PPM 10 años",12.06,12.32,12.63,12.98,13.2,13.46]
["Inc. Anual (%)",2.7,2.7,2.6,2.1,2.1,1.7]
[]
["Pagos Oprtunos"]
["Año","7 años","10 años","15 años","20 años"]
[1,0.10299999999999999,0.104,0.106,0.1075]
[2,0.10100000000000001,0.10199999999999999,"10.40% ",0.1055]
[3,9.9000000000000005E-2,0.1," 10.20%",0.10349999999999999]
[4,9.7000000000000003E-2,9.8000000000000004E-2," 10.00%",0.10149999999999999]
[5,9.5500000000000002E-2,9.6500000000000002E-2," 9.85%",9.9999999999999992E-2]
["Pago por Mil",16.84,13.53,11.22,10.26,10.26]
[]
[]
[]
[]
["A.6 Monto mínimo y máximo del préstamo"]
[]
["Residencial","Apoyo Gobierno",null,"Construcción","Liquidez",null,"Renovación "]
["Preventa",null,null,null,"Vivienda","Destino Libre"]
["Mínimo","COFINAVIT","INFONAVIT",null,null,null,"I y IV","II y III"]
["$250,000 MXN ","FOVISSSTE","FOVISSSTE "]
[null,"(Alia2)","(Respalda2)","Mínimo: ","Mínimo ","Mínimo"]
["Máximo",null,null,"$ 150,000 MXN ","$150,000 MXN","$100,000 MXN"]
["$8,000,000 MXN"]
[null,null,null,"Máximo: ","Máximo $2,500,000 MXN ","Máximo"]
[null,"Mínimo","Mínimo ","$5,000,000 MXN ",null,"$2,500,000 MXN","Mínimo","Mínimo "]
[null,"$120,000 MXN ","$250,000 MXN",null,null,null,150000,250000]
[]
[null,"Máximo: ","Máximo",null,null,null,"Máximo $5,000,000 ","Máximo $5,000,000 "]
[null,"$8,000,000 MXN ","$8,000,000 MXN"]
[]
[]
["A.7 Valor mínimo y máximo del inmueble"]
[]
[]
["Valor mínimo del inmueble"]
["COFINAVIT","*Residencial","Construcción","Sustitución de deudor"]
["FOVISSSTE (Alia2 /Respalda2)","Preventa","Liquidez (Vivienda y destino libre)"]
[null,"Apoyo INFONAVIT","Renovación I, II, III, IV"]
[null,null,null,"No aplica"]
["MEX, GDL, MTY","$400,000 MXN","MEX, GDL, MTY"]
["$300,000 MXN",null,"$1,000,000 MXN"]
[]
["Resto del país",null,"Resto del país"]
["$275,000 MXN",null,"$750,000 MXN"]
[]
[]
["A.16 Comisiones y Gastos "]
[]
["Al momento de aperturar el crédito, el cliente cuenta con dos opciones para el pago de la comisión son las siguientes: "]
[]
["Esquema","Opción","A) Comisión de Apertura","B) Comisión por Prepago"]
["Valora y ","Opción 1","Ver tabla #1",0]
["Pagos Oportunos","Opción 2",0,"3.00% + IVA "]
["Hipoteca 7x5 (Única)","Opción 1","Ver tabla #1","Sin comisión por pre-pago"]
[]
["Tabla #1 "]
["  ","Adquisición","Construcción","Apoyo INFONAVIT","CrediLiquidez Libre","Switch Hipotecario (Pago de Pasivos)"]
[null,"Liquidez","Preventa","COFINAVIT",null,"CrediRenovación III"]
[null,null,"CrediRenovación I,II,III,IV","Cofinanciamiento "]
[null,null,null,"FOVISSSTE"]
[null,null,null,"Alia2"]
[null,null,null,"Respalda2"]
["Comisión por apertura",1.2500000000000001E-2,"1.00% por cada ministración",7.4999999999999997E-3,"2% más IVA, financiable a elección del cliente",1.4999999999999999E-2]
[null,null,null,null,null,"Financiable a elección del cliente"]
["Comisión por apertura especial","Del 0.50%"]
[]
[null,"Aplica para:"]
[null,"·  Nominatarios. "]
[null,"·  Clientes de Casa de Bolsa y Banca Patrimonial. "]
[null,"·  Inversionistas en Pagarés. "]
[null,"·  Inversión igual o mayor a $200,000. Deberá estar vigente al momento de la firma y tener una duración mínima de 3 meses, previo a la firma del crédito o contratada a un plazo que garantice la duración mínima (por ejemplo, un pagaré a 91 días). "]
[null,"·  La inversión en pagaré se podrá comprobar mediante el estado de cuenta del cliente."]
[]
["Consideraciones Especiales para Comisión por apertura:"]
["Para Hipoteca 7x5 (Única) no aplica Comisión por apertura para: "]
["créditos con plazo a 5 años, "]
["clientes de Casa de Bolsa y Banca Patrimonial "]
["clientes Premium"]
["Para Switch Hipotecario no aplica la Comisión por apertura especial del 0.50%, para: "]
["nominatarios "]
["clientes de Casa de Bolsa y Patrimonial "]
["inversionistas en pagarés"]
[" Para CrediLiquidez  Libre no aplica la Comisión por apertura para: "]
[]
["o    clientes que hayan liquidado previamente una hipoteca con Scotiabank"]
["B) Comisión por pre-pago"]
[]
["Aplica solo cuando el solicitante haya escogido la modalidad de Pre-pago en lugar de pagar la Comisión de Apertura al frente"]