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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CALCULO DE LA PORCION A CON BASE EN EL SSV REMANENTE",null,null,null,null,null,null,null,null,null,null,"CALCULO CRÉDITO COFINAVIT"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(U39=4,U39=5),\"SI\",\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SSV INFONAVIT",null,null,null,null,null,null,null,null,null,null,"Valor del inmueble",{"$f":"O24","v":0},null,null,null,null,{"$f":"IF(OR(U39=4,U39=5),\"NO\",\"\")","v":""}]
[null,null,"FINANCIAMIENTO RESIDENCIAL SCOTIABANK ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Uso de la SSV",null,null,"Proyección de Anualidades Garantizadas"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SSV Total",null,null,"Tasa SSV Proyectar",0.05,null,null,null,null,null,null,"Gastos relacionados",{"$f":"O33","v":0}]
[1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SSV al frente",null,null,"Año",1,2,3,4,5]
[null,null,{"$f":"TODAY()","v":"2024-03-22"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SSV Remanente",{"$f":"D36+D43","v":{"$error":"#VALUE!"}},null,"Saldo Inicial",{"$f":"$T$8","v":{"$error":"#VALUE!"}},{"$f":"W12","v":{"$error":"#VALUE!"}},{"$f":"X12","v":{"$error":"#VALUE!"}},{"$f":"Y12","v":{"$error":"#VALUE!"}},{"$f":"Z12","v":{"$error":"#VALUE!"}},null,null,"Valor del inmueble al 95%",{"$f":"AE4*AE17","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tasa Efectiva",{"$f":"W6","v":0.05},{"$f":"W9","v":0.05},{"$f":"X9","v":0.05},{"$f":"Y9","v":0.05},{"$f":"Z9","v":0.05}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Intereses",{"$f":"W8*$W$6","v":{"$error":"#VALUE!"}},{"$f":"X8*$W$6","v":{"$error":"#VALUE!"}},{"$f":"Y8*$W$6","v":{"$error":"#VALUE!"}},{"$f":"Z8*$W$6","v":{"$error":"#VALUE!"}},{"$f":"AA8*$W$6","v":{"$error":"#VALUE!"}}]
[null,null,"Nombre del Ejecutivo Especializado / Broker Hipotecario",null,null,null,"Sucursal",null,null,null,"Nombre del Cliente",null,null,null,null,null,null,null,null,null,null,"Anualidad Garantizada",{"$f":"(W8+W10)/5","v":{"$error":"#VALUE!"}},{"$f":"(X8+X10)/4","v":{"$error":"#VALUE!"}},{"$f":"(Y8+Y10)/3","v":{"$error":"#VALUE!"}},{"$f":"(Z8+Z10)/2","v":{"$error":"#VALUE!"}},{"$f":"(AA8+AA10)/1","v":{"$error":"#VALUE!"}},null,null,"Crédito Infonavit Neto",{"$f":"IFERROR((D37+D44),0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Saldo Final",{"$f":"W8+W10-W11","v":{"$error":"#VALUE!"}},{"$f":"X8+X10-X11","v":{"$error":"#VALUE!"}},{"$f":"Y8+Y10-Y11","v":{"$error":"#VALUE!"}},{"$f":"Z8+Z10-Z11","v":{"$error":"#VALUE!"}},{"$f":"AA8+AA10-AA11","v":{"$error":"#VALUE!"}},null,null,"SSV al frente",{"$f":"D35+D42","v":0}]
[null,null,"Teléfonos",null,null,null,null,null,null,null,"Teléfonos",null,null,null,null,null,null,null,null,null,null,"Calculo del Valor Presente de las Anualidades Garantizadas",null,null,null,null,null,null,null,"Cred. Total Infonavit",{"$f":"+AE11+AE12","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Factor de Descuento",{"$f":"1/(1+$T$20)^1","v":0.90702947845804982},{"$f":"1/(1+$T$20)^2","v":0.82270247479188197},{"$f":"1/(1+$T$20)^3","v":0.74621539663662761},{"$f":"1/(1+$T$20)^4","v":0.67683936202868722},{"$f":"1/(1+$T$20)^5","v":0.61391325354075932}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valor Presente de la Anualidad",{"$f":"W11*W14","v":{"$error":"#VALUE!"}},{"$f":"X11*X14","v":{"$error":"#VALUE!"}},{"$f":"Y11*Y14","v":{"$error":"#VALUE!"}},{"$f":"Z11*Z14","v":{"$error":"#VALUE!"}},{"$f":"AA11*AA14","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",{"$f":"SUM(W15:AA15)","v":{"$error":"#VALUE!"}},null,null,null,null,null,null,"%Cred Infonavit",{"$f":"IFERROR((AE11+AE12)/AE4,0)","v":0}]
[null,null,"Escoja la opción de su interés:",null,null,null,"Detalle",null,null,null,null,null,null,null,null,null,null,null,"SCOTIABANK",null,null,null,null,null,null,null,null,null,null,"%CB",{"$f":"X34","v":0.95}]
[null,null,"Campaña",null,null,null,"Programa",null,{"$f":"IFERROR(VLOOKUP($U$39,$S$32:$T$38,2,0),\"\")","v":"Adquisición Tradicional"},null,null,null,null,null,null,null,null,null,"Crédito SBI Porción A",null,null,"Proyección del Pago de la Porción A del Crédito SBI",null,null,null,null,null,null,null,"Cred. Banco aforo máximo",{"$f":"AE17*AE4","v":0}]
[null,null,"Como desea hacer su cálculo",null,null,null,"Producto",{"$f":"IF(T68=1,\"Valora\",\"Pagos Oportunos\")","v":"Valora"},null,null,null,{"$f":"IF(U39=7,\"% de financiamiento CI+CB\",\"% de financiamiento\")","v":"% de financiamiento"},null,null,null,null,null,null,null,null,null,"Tasa Interés Porción A",{"$f":"T20","v":0.10249999999999999},null,null,null,null,null,null,"%ajustes",{"$f":"IF(AE17+AE16>100%,AE17+AE16-100%,0%)","v":0}]
[null,null,null,null,null,null,"Plazo",{"$f":"IFERROR(INDEX($S$63:$S$66,$T$62),\"\")","v":"20 años"},null,null,null,null,{"$f":"+IF(O24=0,0,IF(U39=7,AF26,IF(O25=\"\",I25/O24,O25/O24)))","v":0},null,null,null,null,null,"Tasa Descuento",0.10249999999999999,null,"Año",1,2,3,4,5,null,null,"Cred. Banco Ajustado",{"$f":"AE18-(AE19*AE4)","v":0}]
[null,null,{"$f":"IF(Y41=1,\"Valor de la vivienda\",IF(Y41=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,"VP Anualidades",{"$f":"NPV(T20,W11:AA11)","v":{"$error":"#VALUE!"}},null,"Saldo Inicial",{"$f":"T21","v":{"$error":"#VALUE!"}},{"$f":"W26","v":{"$error":"#VALUE!"}},{"$f":"X26","v":{"$error":"#VALUE!"}},{"$f":"Y26","v":{"$error":"#VALUE!"}},{"$f":"Z26","v":{"$error":"#VALUE!"}}]
[null,null,"Valor Destructible",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tasa Efectiva",{"$f":"W19","v":0.10249999999999999},{"$f":"W22","v":0.10249999999999999},{"$f":"X22","v":0.10249999999999999},{"$f":"Y22","v":0.10249999999999999},{"$f":"Z22","v":0.10249999999999999}]
[null,null,{"$f":"IF(D21=0,\"\",IF(AND($Y$41=1,D21<$AB$39),AD41,IF(D21<$Y$39,AD42,\"\")))","v":""},null,null,null,null,"Recursos",null,null,null,"Gastos de Originación",null,null,null,null,null,null,null,{"$f":"IF(T8=0,0,T21/T8)","v":{"$error":"#VALUE!"}},null,"Anualidad",{"$f":"W11","v":{"$error":"#VALUE!"}},{"$f":"X11","v":{"$error":"#VALUE!"}},{"$f":"Y11","v":{"$error":"#VALUE!"}},{"$f":"Z11","v":{"$error":"#VALUE!"}},{"$f":"AA11","v":{"$error":"#VALUE!"}},null,null,"CALCULO CRÉDITO CI+CB"]
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[null,null,null,null,null,null,"Crédito solicitado",null,{"$f":"I24","v":0},null,{"$f":"IF(OR(I27=\"NO\",I28=0,I28=\"\"),\"\",IF(AND(I27=\"SI\",OR(U39=4,U39=5)),\"Monto Máximo Pago de Pasivo + Gastos Financiados\"))","v":""},null,null,null,{"$f":"IFERROR(IF(I28>0,I25+I28,\"\"),\"\")","v":""},null,null,null,null,null,null,"Amortización",{"$f":"W21-W26","v":{"$error":"#VALUE!"}},{"$f":"X21-X26","v":{"$error":"#VALUE!"}},{"$f":"Y21-Y26","v":{"$error":"#VALUE!"}},{"$f":"Z21-Z26","v":{"$error":"#VALUE!"}},{"$f":"AA21-AA26","v":{"$error":"#VALUE!"}},null,null,"SSV (-)",{"$f":"D35+D38","v":0}]
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[null,null,"Que producto desea",null,null,null,{"$f":"+IF(OR(U39=4,U39=5),\"Gastos Notariales Financiados\",\"\")","v":""},null,"SI",null,{"$f":"IF(U40=1,\"Infonavit impuestos y derechos\",\"Impuestos y derechos\")","v":"Impuestos y derechos"},null,null,{"$f":"IFERROR(IF(M27=\"\",O27/O$24,\"\"),0)","v":0},{"$f":"IFERROR(IF(AND(OR(U40=1),L47>0),L47-O26,IF(M27=\"\",O24*$AE$65,O24*M27)),0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Crédito Infonavit",{"$f":"MIN(AE29,AE26*30%)","v":0},"<- el Infonavit otorga el 30%"]
[null,null,"Plazo del crédito",null,null,null,{"$f":"+IF(OR(U39=4,U39=5),\"Monto Máximo Financiado\",\"\")","v":""},null,{"$f":"+IF(AND(U39<>4,U39<>5),\"\",IF(I27=\"NO\",0,IF(AND(Y41=1,O24*X39=I25),0,IF(AND(Y41=1,I25*6%+I25>I24),I24-I25,I25*6%))))","v":""},null,"Honorarios notariales",null,null,{"$f":"IFERROR(IF(M28=\"\",O28/O$24,\"\"),0)","v":0},{"$f":"IFERROR(IF(M28=\"\",O24*$AE$66,O24*M28),0)","v":0},null,null,null,null,"Contratación de Seguros",null,null,"Actividad Económca",null,null,"LTI",null,null,null,"Crédito Banco",{"$f":"+AE26-AE27","v":0}]
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[null,null,"El cliente opta por seguros externos",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"Adquisición Tradicional",null,1.2500000000000001E-2,0.03,{"$f":"IF($X$29=1,AI48,AJ48)","v":0.95},10000,250000,15000000,400000,0.55000000000000004,{"$f":"$W$86","v":0},"CREDIRESIDENCIAL"]
[null,null,"Comisión Manual por Apertura",null,null,null,{"$f":"IF(OR(U39=3,U39=7),\"Recursos Totales:\",\"Crédito Banco\")","v":"Crédito Banco"},null,{"$f":"IF(I25>I24,\"Crédito solicitado fuera de rango\",IF(OR(U39=3,U39=7),I25+I29+I30,I25))","v":0},null,null,{"$f":"+IF(OR(U39=4,U39=5),\"Gastos de originación - Gastos Financiados\",\"Gastos de originación\")","v":"Gastos de originación"},null,null,{"$f":"IFERROR(SUM(O26:O31)-I28,SUM(O26:O31))","v":0},null,null,null,2,"Adquisición con Apoyo Infonavit",null,7.4999999999999997E-3,0,0.95,7500,250000,15000000,400000,0.65,{"$f":"$W$86","v":0},"CREDIRESIDENCIAL"]
[null,null,{"$f":"IF(U39=3,\"Cofinanciamientos (datos del titular)\",IF(U39=7,\"Cofinanciamientos CI+CB\",\"\"))","v":""},null,null,null,{"$f":"IF(OR($U$39=3,U39=7),\"Crédito SB + Crédito Infonavit + SSV al frente\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,3,"Cofinavit",null,7.4999999999999997E-3,0,0.95,7500,120000,15000000,300000,0.65,{"$f":"AE20","v":0},"CREDIRESIDENCIAL"]
[null,null,{"$f":"IF(U39=3,\"Subcuenta de vivienda\",IF(U39=7,\"Subcuenta de vivienda acreditado\",\"\"))","v":""},null,null,null,null,null,{"$f":"IFERROR(IF($U$39=6,\"\",IF(OR(U39=4,U39=5),\"Desembolso\",IF(I33-O24>0,\"Monto Remanente\",\"Enganche para la compra\"))),0)","v":"Enganche para la compra"},null,null,{"$f":"IFERROR(IF(OR(U39=4,U39=5),0,$O$24-$I$33),0)","v":0},null,null,null,null,null,null,4,"Pasivo Hipotecario",null,0,0.03,{"$f":"IF($X$29=1,AI48,AJ48)","v":0.95},10000,125000,15000000,0,0.6,{"$f":"$W$86","v":0},"CREDIRESIDENCIAL"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(L35<0,\"negativo significa remanente para el cliente\",\"\")","v":""},null,null,null,null,null,5,"Pasivo Hipotecario con Apoyo Infonavit",null,0,0.03,0.95,10000,125000,15000000,0,0.65,{"$f":"$W$86","v":0},"CREDIRESIDENCIAL"]
[null,null,{"$f":"IF(U39=3,\"Crédito a otorgar (sin ecotecnologías)\",\"\")","v":""},null,null,null,null,null,"Gastos de originación",null,null,{"$f":"O33","v":0},null,null,null,null,null,null,6,"Liquidez Vivienda",null,1.2500000000000001E-2,0.03,{"$f":"IF($X$29=1,AI48,AJ48)","v":0.95},20000,150000,2500000,1000000,0.55000000000000004,{"$f":"$W$86","v":0},"CREDILIQUIDEZ"]
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[null,null,null,null,null,null,"CAT",null,{"$f":"'Tabla de amortizacion'!B11","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR(U39=3,U39=7),1,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,111500.02230000001,144950.02230000001,131300.01641249997]
[null,null,{"$f":"IF(U39=3,\"Cofinanciamientos (datos del conyuge, si aplica))\",IF(U39=7,\"Crédito otorgado por el Infonavit CI+CB\",\"\"))","v":""},null,null,null,"Mensualidad",null,{"$f":"IF(I25>I24,\"Crédito solicitado fuera de rango\",'Tabla de amortizacion'!D15+'Tabla de amortizacion'!T15+'Tabla de amortizacion'!V15)","v":0},null,null,null,null,"Parámetros de crédito",null,null,null,null,"COMISION",1,null,null,"CALCULO",null,3,null,null,null,null,"Valor de vivienda debajo del mínimo",null,null,null,null,null,2,136571.4558857143,152100.02340000001,177542.88445714288]
[null,null,{"$f":"IF(U39=3,\"Subcuenta de vivienda\",\"\")","v":""},null,null,null,"Tasa",null,{"$f":"T83","v":0.115},null,null,null,null,"Crédito minimo",{"$f":"$Z$39","v":250000},null,null,null,"Apertura",null,null,null,"Por Valor del Inmueble",null,null,"Seguros",null,null,null,"Ingresos menores al mínimo",null,null,null,null,null,3,108000.02160000001,140400.02160000004,140400.02160000004]
[null,null,{"$f":"IF(U39=7,\"Monto del Crédito*\",\"\")","v":""},{"$f":"IF(U39=7,AE27,\"\")","v":""},null,null,"Incremento anual",null,{"$f":"T85","v":0.02},null,null,null,null,"Valor mínimo inmueble",{"$f":"$AB$39","v":400000},null,null,null,{"$f":"IF(OR($U$39=2,$U$39=3,$U$39=5),\"\",\"Prepago\")","v":"Prepago"},null,null,null,"Por Ingresos",null,null,"Vida",5.9999999999999995E-4,{"$f":"AA43","v":5.9999999999999995E-4},null,"Crédito fuera de rango",null,null,null,null,null,4,94971.447565714305,104650.00130812499,123462.8761371429]
[null,null,{"$f":"IF(U39=3,\"Crédito a otorgar (sin ecotecnologías)\",\"\")","v":""},null,null,null,"Pago al millar $",null,{"$f":"T84","v":9.93},null,null,null,null,"Enganche mínimo",{"$f":"IF($X$39=0,0,1-$X$39)","v":5.0000000000000044E-2},null,null,null,null,null,null,null,"Por Importe de Crédito",null,null,"Daños",3.1E-4,{"$f":"AA44","v":3.1E-4},null,{"$f":"IF(T72=5,7000000,15000000)","v":15000000},"Rango de Política por monto máximo",null,null,null,null,null,5000000,6500000,8000000]
[null,null,{"$f":"IF(U39=7,\"* El monto del crédito aplica para el acreditado y conyuge, en su caso.\",\"\")","v":""},null,null,null,"Ingreso mínimo",null,{"$f":"IF($T$62=1,AE59,IF($T$62=2,AB59,IF($T$62=3,Y59,IF($T$62=4,V59,0))))","v":10000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,2,3]
[null,null,null,null,null,null,{"$f":"IF($U$39=3,\"Cofinavit (Ajustado al 100% de los gastos)\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,"PRICING",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aforo para créditos <= $5'000,000  Valora y Pagos Oportunos",null,null,"Aforo p/créd > $5'000,000  VA y PO",null,null,null,null,null,1,null,null,null,null,null,2,null,null,null,null,null,3,null,null,null,null,null,4,null,null,null,null,null,5,null,null,null,null,null,"Pasivo"]
[null,null,null,null,null,null,{"$f":"IF($U$39=3,\"Gastos exactos Infonavit (cuando se tenga el dato exacto)\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,"Nuevo",null,"VAL 20","ppm","Inc. Anual","VAL 15","ppm","Inc. Anual","VAL 10","ppm","Inc. Anual","PAGOS OPORTUNOS","ppm mcdo abierto","ppm pago de pasivos","Desarrolladores","Emp. con apoyo","Emp. Sin apoyo","Independientes","<= $6.5mdp","<= $8mdp","> $8 mdp","PTI",null,null,"VALORA","ppm 20","ppm 15","ppm 10","Inc. Anual",null,"VALORA 15","ppm 20","ppm 15","ppm 10","Inc. Anual",null,"VALORA 10","ppm 20","ppm 15","ppm 10","Inc. Anual",null,"VALORA","ppm 20","ppm 15","ppm 10","Inc. Anual",null,"VALORA","ppm 20","ppm 15","ppm 10","Inc. Anual",null,"VALORA","ppm 20","ppm 15","ppm 10","Inc. Anual"]
[null,null,"Observaciones:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF((IF(OR($U$39=4,$U$39=5),BT48,IF($W$62=1,AP48,IF($W$62=2,AV48,IF($W$62=3,BB48,IF($W$62=4,BH48,IF($W$62=5,BN48)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BT48,IF($W$62=1,AP48,IF($W$62=2,AV48,IF($W$62=3,BB48,IF($W$62=4,BH48,IF($W$62=5,BN48))))))))","v":"1+"},1,{"$f":"IF((IF(OR($U$39=4,$U$39=5),BU48,IF($W$62=1,AQ48,IF($W$62=2,AW48,IF($W$62=3,BC48,IF($W$62=4,BI48,IF($W$62=5,BO48)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BU48,IF($W$62=1,AQ48,IF($W$62=2,AW48,IF($W$62=3,BC48,IF($W$62=4,BI48,IF($W$62=5,BO48))))))))","v":""},{"$f":"IF((IF(OR($U$39=4,$U$39=5),BV48,IF($W$62=1,AR48,IF($W$62=2,AX48,IF($W$62=3,BD48,IF($W$62=4,BJ48,IF($W$62=5,BP48)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BV48,IF($W$62=1,AR48,IF($W$62=2,AX48,IF($W$62=3,BD48,IF($W$62=4,BJ48,IF($W$62=5,BP48))))))))","v":""},{"$f":"IF((IF(OR($U$39=4,$U$39=5),BY48,IF($W$62=1,AU48,IF($W$62=2,BA48,IF($W$62=3,BG48,IF($W$62=4,BM48,IF($W$62=5,BS48)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BY48,IF($W$62=1,AU48,IF($W$62=2,BA48,IF($W$62=3,BG48,IF($W$62=4,BM48,IF($W$62=5,BS48))))))))","v":""},{"$f":"U48","v":""},{"$f":"IF((IF(OR($U$39=4,$U$39=5),BW48,IF($W$62=1,AS48,IF($W$62=2,AY48,IF($W$62=3,BE48,IF($W$62=4,BK48,IF($W$62=5,BQ48)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BW48,IF($W$62=1,AS48,IF($W$62=2,AY48,IF($W$62=3,BE48,IF($W$62=4,BK48,IF($W$62=5,BQ48))))))))","v":""},{"$f":"W48","v":""},{"$f":"U48","v":""},{"$f":"IF((IF(OR($U$39=4,$U$39=5),BX48,IF($W$62=1,AT48,IF($W$62=2,AZ48,IF($W$62=3,BF48,IF($W$62=4,BL48,IF($W$62=5,BR48)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BX48,IF($W$62=1,AT48,IF($W$62=2,AZ48,IF($W$62=3,BF48,IF($W$62=4,BL48,IF($W$62=5,BR48))))))))","v":""},{"$f":"W48","v":""},"7 años",{"$f":"AE56","v":17.62},{"$f":"AE56","v":17.62},{"$f":"AE56","v":17.62},0.95,0.95,0.9,0.8,0.8,0.65,0.55000000000000004,null,"1+",null,null,null,null,null,"1+",0.1075,9.3000000000000007,10.33,12.75,2.4E-2,"1,2,3,4,R,\nEA",9.5000000000000001E-2,8.3800000000000008,9.5,11.98,2.5999999999999999E-2,"1,2,3,4,R,\nEA",0.105,9.08,10.130000000000001,12.6,2.5000000000000001E-2,"1,2,3,4,R,\nEA",0.11,9.52,10.54,12.93,2.3E-2,"1,2,3,4,R,\nEA",0.10249999999999999,8.86,9.93,12.38,2.5999999999999999E-2]
[null,null,{"$f":"IFERROR(\"- Los impuestos y derechos están calculados al \"&TEXT(($O$27/$O$24),\"#,##0.00%\")&\" del valor del inmueble, pueden cambiar dependiendo de la entidad federativa.\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF((IF(OR($U$39=4,$U$39=5),BS49,IF($W$62=1,AO49,IF($W$62=2,AU49,IF($W$62=3,BA49,IF($W$62=4,BG49,IF($W$62=5,BM49)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BS49,IF($W$62=1,AO49,IF($W$62=2,AU49,IF($W$62=3,BA49,IF($W$62=4,BG49,IF($W$62=5,BM49))))))))","v":""},2,{"$f":"IF((IF(OR($U$39=4,$U$39=5),BU49,IF($W$62=1,AQ49,IF($W$62=2,AW49,IF($W$62=3,BC49,IF($W$62=4,BI49,IF($W$62=5,BO49)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BU49,IF($W$62=1,AQ49,IF($W$62=2,AW49,IF($W$62=3,BC49,IF($W$62=4,BI49,IF($W$62=5,BO49))))))))","v":0.115},{"$f":"IF((IF(OR($U$39=4,$U$39=5),BV49,IF($W$62=1,AR49,IF($W$62=2,AX49,IF($W$62=3,BD49,IF($W$62=4,BJ49,IF($W$62=5,BP49)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BV49,IF($W$62=1,AR49,IF($W$62=2,AX49,IF($W$62=3,BD49,IF($W$62=4,BJ49,IF($W$62=5,BP49))))))))","v":9.93},{"$f":"IF((IF(OR($U$39=4,$U$39=5),BY49,IF($W$62=1,AU49,IF($W$62=2,BA49,IF($W$62=3,BG49,IF($W$62=4,BM49,IF($W$62=5,BS49)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BY49,IF($W$62=1,AU49,IF($W$62=2,BA49,IF($W$62=3,BG49,IF($W$62=4,BM49,IF($W$62=5,BS49))))))))","v":0.02},0.115,{"$f":"IF((IF(OR($U$39=4,$U$39=5),BW49,IF($W$62=1,AS49,IF($W$62=2,AY49,IF($W$62=3,BE49,IF($W$62=4,BK49,IF($W$62=5,BQ49)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BW49,IF($W$62=1,AS49,IF($W$62=2,AY49,IF($W$62=3,BE49,IF($W$62=4,BK49,IF($W$62=5,BQ49))))))))","v":10.96},{"$f":"W49","v":0.02},0.115,{"$f":"IF((IF(OR($U$39=4,$U$39=5),BX49,IF($W$62=1,AT49,IF($W$62=2,AZ49,IF($W$62=3,BF49,IF($W$62=4,BL49,IF($W$62=5,BR49)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BX49,IF($W$62=1,AT49,IF($W$62=2,AZ49,IF($W$62=3,BF49,IF($W$62=4,BL49,IF($W$62=5,BR49))))))))","v":13.35},{"$f":"W49","v":0.02},"10 años",{"$f":"AB56","v":14.31},{"$f":"AB56","v":14.31},{"$f":"AB56","v":14.31},0.95,0.95,0.9,0.8,0.8,0.65,0.55000000000000004,null,1,0.115,9.93,10.96,13.35,0.02,"2+,3+,4+,R",0.115,9.93,10.96,13.35,0.02]
[null,null,{"$f":"IFERROR(\"- Los honorarios notariales en los créditos en cofinanciamiento están calculados al \"&TEXT(($O$28/$O$24),\"#,##0.00%\")&\" del valor del inmueble, pueden variar dependiendo de la entidad federativa.\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",3,0.12,10.397444444444444,1.6E-2,{"$f":"U50","v":0.12},11.42,1.6E-2,0.12,13.8,1.6E-2,"15 años",{"$f":"Y56","v":12.3},{"$f":"Y56","v":12.3},{"$f":"Y56","v":12.3},0.95,0.9,0.9,0.8,0.8,0.65,0.55000000000000004,null,2,0.12,10.397444444444444,11.42,13.8,1.6E-2]
[null,null,"-  El crédito solicitado dependerá de la capacidad de pago de cada cliente",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF((IF(OR($U$39=4,$U$39=5),BS51,IF($W$62=1,AO51,IF($W$62=2,AU51,IF($W$62=3,BA51,IF($W$62=4,BG51,IF($W$62=5,BM51)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BS51,IF($W$62=1,AO51,IF($W$62=2,AU51,IF($W$62=3,BA51,IF($W$62=4,BG51,IF($W$62=5,BM51))))))))","v":""},4,0.125,10.83,1.2E-2,0.125,11.84,1.2E-2,0.125,14.22,1.2E-2,"20 años",{"$f":"V56","v":11.32},{"$f":"V56","v":11.32},{"$f":"V56","v":11.32},0.95,0.85,0.85,0.7,0.7,0.55000000000000004,0.5,null,3,0.125,10.83,11.84,14.22,1.2E-2]
[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,"",5,0.1275,11.03,0.01,0.1275,12.03,0.01,0.1275,14.4,0.01,null,null,null,null,0.85,0.8,0.75,0.65,0.55000000000000004,0.55000000000000004,0.45,null,"4,R",0.1275,11.03,12.03,14.4,0.01]
[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,null,"TP",{"$f":"IF((IF(OR($U$39=4,$U$39=5),BU53,IF($W$62=1,AQ53,IF($W$62=2,AW53,IF($W$62=3,BC53,IF($W$62=4,BI53,IF($W$62=5,BO53)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BU53,IF($W$62=1,AQ53,IF($W$62=2,AW53,IF($W$62=3,BC53,IF($W$62=4,BI53,IF($W$62=5,BO53))))))))","v":0.1075},null,null,null,null,null,null,null,null,"Tasa inicio",{"$f":"IF(T62=1,AD56,IF(T62=2,AA56,IF(T62=3,X56,IF(T62=4,U56))))","v":0.1225},{"$f":"IF(T62=1,AD56,IF(T62=2,AA56,IF(T62=3,X56,IF(T62=4,U56))))","v":0.1225},{"$f":"IF(T62=1,AD56,IF(T62=2,AA56,IF(T62=3,X56,IF(T62=4,U56))))","v":0.1225},0.8,0.7,0.5,0.5,0.5,0.5,0.45,null,"Piso",0.1075,null,null,null,null,"Piso",0.1075,null,null,null,null,"Piso",9.5000000000000001E-2,null,null,null,null,"Piso",0.105,null,null,null,null,"Piso",0.11,null,null,null,null,"Piso",0.10249999999999999]
[null,null,"-  En caso de que aplique, la comisión por pagos anticipados causa I.V.A.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TT",0.1275,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Techo",0.1275,null,null,null,null,"Techo",0.1275,null,null,null,null,"Techo",0.115,null,null,null,null,"Techo",0.125,null,null,null,null,"Techo",0.13,null,null,null,null,"Techo",0.1225]
[null,null,"- Esta cotización tiene carácter informativo, Scotiabank se reserva el derecho de cambiar cualquier condición sin previo aviso\n- 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,"PO 20",null,null,"PO 15",null,null,"PO 10",null,null,"PO 7",null,null,null,null,null,null,{"$f":"IF($Y$41=2,IF($D$21>=$AM$39,3,IF($D$21>=$AL$39,2,IF($D$21>=$AK$39,1,0))),IF($D$21>$AM$44,3,IF($D$21>$AL$44,2,IF($D$21>$AK$44,1,0))))","v":0},null,null,null,null,null,"PO","ppm",null,null,null,null,"PO",null,null,null,null,null,"PO","ppm",null,null,null,null,"PO","ppm",null,null,null,null,"PO","ppm",null,null,null,null,"PO","ppm"]
[null,null,"- Para los esquemas de \"Pagos Oportunos\" y \"Valora\" se deberá cumplir con las reglas establecidas en los programas para la disminución de la tasa de interés",null,null,null,null,null,null,null,null,null,null,null,"v2024.01",null,null,null,null,{"$f":"+IF(U56=10.25%,\"PO mercado abierto\",\"PO pago de pasivos\")","v":"PO pago de pasivos"},{"$f":"IF((IF(OR($U$39=4,$U$39=5),BU59,IF($W$62=1,AQ59,IF($W$62=2,AW59,IF($W$62=3,BC59,IF($W$62=4,BI59,IF($W$62=5,BO59)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BU59,IF($W$62=1,AQ59,IF($W$62=2,AW59,IF($W$62=3,BC59,IF($W$62=4,BI59,IF($W$62=5,BO59))))))))","v":0.1225},{"$f":"IF((IF(OR($U$39=4,$U$39=5),BV59,IF($W$62=1,AR59,IF($W$62=2,AX59,IF($W$62=3,BD59,IF($W$62=4,BJ59,IF($W$62=5,BP59)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BV59,IF($W$62=1,AR59,IF($W$62=2,AX59,IF($W$62=3,BD59,IF($W$62=4,BJ59,IF($W$62=5,BP59))))))))","v":11.32},0,{"$f":"IF((IF(OR($U$39=4,$U$39=5),BU58,IF($W$62=1,AQ58,IF($W$62=2,AW58,IF($W$62=3,BC58,IF($W$62=4,BI58,IF($W$62=5,BO58)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BU58,IF($W$62=1,AQ58,IF($W$62=2,AW58,IF($W$62=3,BC58,IF($W$62=4,BI58,IF($W$62=5,BO58))))))))","v":0.1225},{"$f":"IF((IF(OR($U$39=4,$U$39=5),BV58,IF($W$62=1,AR58,IF($W$62=2,AX58,IF($W$62=3,BD58,IF($W$62=4,BJ58,IF($W$62=5,BP58)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BV58,IF($W$62=1,AR58,IF($W$62=2,AX58,IF($W$62=3,BD58,IF($W$62=4,BJ58,IF($W$62=5,BP58))))))))","v":12.3},0,{"$f":"IF((IF(OR($U$39=4,$U$39=5),BU57,IF($W$62=1,AQ57,IF($W$62=2,AW57,IF($W$62=3,BC57,IF($W$62=4,BI57,IF($W$62=5,BO57)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BU57,IF($W$62=1,AQ57,IF($W$62=2,AW57,IF($W$62=3,BC57,IF($W$62=4,BI57,IF($W$62=5,BO57))))))))","v":0.11749999999999999},{"$f":"IF((IF(OR($U$39=4,$U$39=5),BV57,IF($W$62=1,AR57,IF($W$62=2,AX57,IF($W$62=3,BD57,IF($W$62=4,BJ57,IF($W$62=5,BP57)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BV57,IF($W$62=1,AR57,IF($W$62=2,AX57,IF($W$62=3,BD57,IF($W$62=4,BJ57,IF($W$62=5,BP57))))))))","v":14.31},0,{"$f":"IF((IF(OR($U$39=4,$U$39=5),BU56,IF($W$62=1,AQ56,IF($W$62=2,AW56,IF($W$62=3,BC56,IF($W$62=4,BI56,IF($W$62=5,BO56)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BU56,IF($W$62=1,AQ56,IF($W$62=2,AW56,IF($W$62=3,BC56,IF($W$62=4,BI56,IF($W$62=5,BO56))))))))","v":0.11749999999999999},{"$f":"IF((IF(OR($U$39=4,$U$39=5),BV56,IF($W$62=1,AR56,IF($W$62=2,AX56,IF($W$62=3,BD56,IF($W$62=4,BJ56,IF($W$62=5,BP56)))))))=0,\"\",(IF(OR($U$39=4,$U$39=5),BV56,IF($W$62=1,AR56,IF($W$62=2,AX56,IF($W$62=3,BD56,IF($W$62=4,BJ56,IF($W$62=5,BP56))))))))","v":17.62},0,null,"VALORA PASIVOS+DESARROLLADORES","Tasa","PLAZO","PPM","INCA",null,null,null,7,0.11749999999999999,17.62,null,null,null,null,"NA",null,null,null,null,7,9.5000000000000001E-2,16.420000000000002,null,null,null,7,0.105,16.95,null,null,null,7,0.11,17.22,null,null,null,7,0.10249999999999999,16.82]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Condiciones Valora",{"$f":"IF(OR($U$39=4,$U$39=5),$AI$57,IFERROR(VLOOKUP($T$72,$T$48:$AC$54,2,0),0))","v":0.115},{"$f":"IF(OR($U$39=4,$U$39=5),IF(T72=3,$AK$57,IFERROR(VLOOKUP($T$72,$T$48:$AC$54,3,0),0)),IFERROR(VLOOKUP($T$72,$T$48:$AC$54,3,0),0))","v":9.93},{"$f":"IFERROR(VLOOKUP($T$72,$T$48:$AC$54,4,0),0)","v":0.02},{"$f":"IF(OR($U$39=4,$U$39=5),$AI$57,IFERROR(VLOOKUP($T$72,$T$48:$AC$54,5,0),0))","v":0.115},{"$f":"IF(OR($U$39=4,$U$39=5),IF(T72=3,$AK$58,IFERROR(VLOOKUP($T$72,$T$48:$AC$54,6,0),0)),IFERROR(VLOOKUP($T$72,$T$48:$AC$54,6,0),0))","v":10.96},{"$f":"IFERROR(VLOOKUP($T$72,$T$48:$AC$54,7,0),0)","v":0.02},{"$f":"IF(OR($U$39=4,$U$39=5),$AI$57,IFERROR(VLOOKUP($T$72,$T$48:$AC$54,8,0),0))","v":0.115},{"$f":"IF(OR($U$39=4,$U$39=5),IF(T72=3,$AK$59,IFERROR(VLOOKUP($T$72,$T$48:$AC$54,9,0),0)),IFERROR(VLOOKUP($T$72,$T$48:$AC$54,9,0),0))","v":13.35},{"$f":"IFERROR(VLOOKUP($T$72,$T$48:$AC$54,10,0),0)","v":0.02},null,null,null,null,"TASA PISO",{"$f":"T83","v":0.115},20,{"$f":"VLOOKUP(AI57,U48:V52,2,0)","v":9.93},{"$f":"VLOOKUP(AI57,U48:W52,3,0)","v":0.02},null,null,null,10,0.11749999999999999,14.31,null,null,null,null,"NA",null,null,null,null,10,9.5000000000000001E-2,13.02,null,null,null,10,0.105,13.6,null,null,null,10,0.11,13.87,null,null,null,10,0.10249999999999999,13.45]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Condiciones Valora para cálculo de ingresos (IR 2)",null,{"$f":"V50","v":10.397444444444444},null,null,{"$f":"Y50","v":11.42},null,null,{"$f":"AB50","v":13.8},null,null,null,null,null,"TASA TECHO ",null,15,{"$f":"VLOOKUP(AI57,X48:Y52,2,0)","v":10.96},{"$f":"VLOOKUP(AI57,X48:Z52,3,0)","v":0.02},null,null,null,15,0.1225,12.3,null,null,null,null,"NA",null,null,null,null,15,9.5000000000000001E-2,10.53,null,null,null,15,0.105,11.16,null,null,null,15,0.11,11.47,null,null,null,15,0.10249999999999999,11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ingreso mínimo ",null,{"$f":"IFERROR(IF($T$68=1,AC68,AC73),0)","v":10000},null,null,{"$f":"IFERROR(IF($T$68=1,AB68,AB73),0)","v":10000},null,null,{"$f":"IFERROR(IF($T$68=1,AA68,AA73),0)","v":10000},null,null,{"$f":"IFERROR(IF($T$68=1,Z68,Z73),0)","v":0},null,null,null,null,10,{"$f":"VLOOKUP(AI57,AA48:AB52,2,0)","v":13.35},{"$f":"VLOOKUP(AI57,AA48:AC52,3,0)","v":0.02},null,null,null,20,0.1225,11.32,null,null,null,null,"NA",null,null,null,null,20,9.5000000000000001E-2,9.42,null,null,null,20,0.105,10.1,null,null,null,20,0.11,10.44,null,null,null,20,0.10249999999999999,9.92]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Plazo",4,null,"Campaña",1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($T$68=1,\"\",\"7 años\")","v":""},null,1,"Ninguna",null,null,"Cálculo de ingresos mínimpos por plazo",null,null,null,null,"Monto máximo CI+CB",885445.6]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"10 años",null,2,{"$f":"IF(OR($U$39=4,$U$39=5),\"\",\"Enganches Altos >=35%\")","v":"Enganches Altos >=35%"},null,null,"Valora","7 años","10 años","15 años","20 años",{"$f":"IF($U$39=3,\"Infonavit gastos de originación\",\"\")","v":""},0.03]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"15 años",null,3,{"$f":"IF(OR($U$39=4,$U$39=5),\"\",\"Premium / WM\")","v":"Premium / WM"},null,null,"Por Crédito solicitado",null,{"$f":"IFERROR($I$25/1000*$AB$57/$AC$39,0)","v":0},{"$f":"IFERROR($I$25/1000*$Y$57/$AC$39,0)","v":0},{"$f":"IFERROR($I$25/1000*$V$57/$AC$39,0)","v":0},{"$f":"IF($U$39=3,\"Infonavit impuestos y derechos\",\"Impuestos y derechos\")","v":"Impuestos y derechos"},0.03]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"20 años",null,4,{"$f":"IF(OR($U$39=4,$U$39=5),\"\",\"Lealtad / Nómina\")","v":"Lealtad / Nómina"},null,null,"Por Ingresos",null,{"$f":"AA65","v":0},{"$f":"AB65","v":0},{"$f":"AC65","v":0},"Honorarios notariales",0.02]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,{"$f":"IF(OR($U$39=4,$U$39=5),\"\",\"Desarrolladores\")","v":"Desarrolladores"},"Valora"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Valora",null,null,{"$f":"IF($T$62=1,AE57,IF($T$62=2,AB57,IF($T$62=3,Y57,V57)))","v":9.93},{"$f":"IF($T$62=1,AF57,IF($T$62=2,AC57,IF($T$62=3,Z57,W57)))","v":0.02},null,"Pagos Oportunos","7 años","10 años","15 años","20 años","CALCULO PARA EL IMPORTE MAXIMO DE APORTACION PATRONAL"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pagos Oportunos",1,null,{"$f":"IF($T$62=1,AE56,IF($T$62=2,AB56,IF($T$62=3,Y56,V56)))","v":11.32},0,null,"Por Crédito solicitado",{"$f":"IFERROR($I$25/1000*$AE$56/$AC$39,0)","v":0},{"$f":"IFERROR($I$25/1000*$AB$56/$AC$39,0)","v":0},{"$f":"IFERROR($I$25/1000*$Y$56/$AC$39,0)","v":0},{"$f":"IFERROR($I$25/1000*$V$56/$AC$39,0)","v":0},"Salario diario nominal (UMA enero 2024)",null,108.57,null,{"$f":"AF70*30.4","v":3300.5279999999998}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Por Ingresos",{"$f":"Z70","v":0},{"$f":"AA70","v":0},{"$f":"AB70","v":0},{"$f":"AC70","v":0},"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,"Tasas",2,null,null,null,null,null,null,null,null,null,"Aportación patronal",null,{"$f":"+AF70*AF71","v":2714.25},null,{"$f":"AF72*30.4","v":82513.2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(T68=2,(IF(T62=4,U56,IF(T62=3,X56,IF(T62=2,AA56,IF(T62=1,AD56,\"\"))))),(IF(T62=4,U48,IF(T62=3,X48,IF(T62=2,AA48,\"\")))))","v":""},"1+",null,null,null,null,null,{"$f":"MAX($Y$39,IF($Y$41=1,Z70,Z71))","v":10000},{"$f":"MAX($Y$39,IF($Y$41=1,AA70,AA71))","v":10000},{"$f":"MAX($Y$39,IF($Y$41=1,AB70,AB71))","v":10000},{"$f":"MAX($Y$39,IF($Y$41=1,AC70,AC71))","v":10000},"Aportación Patronal 5%",null,{"$f":"+AF72*0.05","v":135.71250000000001}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($T$68=2,\"\",U49)","v":0.115},1,null,null,null,null,null,null,null,null,null,"     (Crédito para vivienda)",0.05]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($T$68=2,\"\",IF(AND(T68=1,OR(U39=4,U39=5)),\"\",U50))","v":0.12},2,null,null,null,null,null,null,null,null,null,"No. de días del bimestre (promedio 60 días)",null,60.8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($T$68=2,\"\",IF(AND(T68=1,OR(U39=4,U39=5)),\"\",U51))","v":0.125},3,null,null,null,null,null,null,null,null,null,"Aportación Patronal bimestral",null,{"$f":"+AF73*AF75","v":8251.32}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($T$68=2,\"\",IF(AND(T68=1,OR(U39=4,U39=5)),\"\",U52))","v":0.1275},"4,R",null,null,null,null,null,null,null,null,null,"Incremento anual promedio para las aportaciones = ",null,0.03]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Selección"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($T$68=1,S69,S70)","v":"Valora"},null,null,"Cred. max",null,"Erogación",null,"Valor de vivienda ",null,"Ingresos"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($T$62=1,S63,IF($T$62=2,S64,IF($T$62=3,S65,S66)))","v":"20 años"},null,"Por Valor Inmueble",{"$f":"IFERROR(IF($Y$41=3,D21,D21*X39),0)","v":0},null,{"$f":"W82/1000*$T$84","v":0},null,{"$f":"IFERROR(IF($Y$41=3,D21/X39,D21),0)","v":0},null,{"$f":"W82/1000*$T$86/$AC$39","v":0},{"$f":"$Y$39","v":10000},{"$f":"MAX(AC82:AD82)","v":10000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IF(T68=2,INDEX($S$73:$S$79,1),INDEX($S$73:$S$79,$T$72)),0)","v":0.115},null,"Por Ingresos",{"$f":"IFERROR(Y83/(T86/1000),0)","v":0},null,{"$f":"IFERROR(D21*AC39,0)","v":0},null,{"$f":"W83/$X$39","v":0},null,{"$f":"D21","v":0},{"$f":"$Y$39","v":10000},{"$f":"MAX(AC83:AD83)","v":10000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(T68=2,(IF(T62=4,V56,IF(T62=3,Y56,IF(T62=2,AB56,IF(T62=1,AE56,\"\"))))),(IF(T62=4,AK57,IF(T62=3,AK58,IF(T62=2,AK59,\"\")))))","v":9.93}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(T68=2,0,(IF(T62=4,AL57,IF(T62=3,AL58,IF(T62=2,AL59,\"\")))))","v":0.02}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ppm (cap pago)",{"$f":"T84","v":9.93},null,"Cred. máximo",{"$f":"IF(OR($Y$41=1,$Y$41=3),W82,W83)","v":0},null,null,null,{"$f":"IF(OR($Y$41=1,$Y$41=3),AA82,AA83)","v":0},null,{"$f":"IF(AND(Y41=2,T68=1,T72>3,SUM(Z29:Z30)>0),AC83*25,\"\")","v":""},null,{"$f":"IF($Y$41=1,AE82,AE83)","v":10000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cred. Máximo Pago de Pasivos",null,null,null,null,null,null,"LTI"]
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mayor a","Hasta a","Importe","Switch",null,null,null,null,null,25,1250000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.01,500000,1900,1253,null,null,null,null,null,25.9,1295000,{"$f":"+AC91-AC90","v":45000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,500001,1000000,3300,1740,null,null,null,null,null,26,1300000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000001,1500000,4500,2784]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1500001,2000000,5750,2784]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2000001,2500000,7000,4663]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2500001,3000000,8200,4663]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3000001,4000000,11000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4000001,5000000,13900,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000001,6000000,15500,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6000001,7000000,19000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7000001,8000000,20000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8000001,9000000,20100,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9000001,10000000,22500,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10000001,11000000,27000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11000001,12000000,28000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12000001,13000000,30000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13000001,14000000,32000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14000001,15000000,34000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15000001,20000000,37000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20000001,25000000,39000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25000001,30000000,40000,5000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30000001,30000000,40000,5000]

{"sheet":"Tabla de amortizacion","index":1,"n_rows":258,"n_cols":66,"rows_kept":258,"cut":false,"hidden":false,"merged":[[9,38,9,40],[2,0,2,27],[3,0,3,27],[0,0,0,27],[1,0,1,27],[4,11,4,13]]}
["Scotiabank Inverlat, S.A., Institución de Banca Múltiple, Grupo Financiero Scotiabank Inverlat",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"-"]
["FINANCIAMIENTO RESIDENCIAL SCOTIABANK"]
["TABLA DE AMORTIZACION",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,"Comisión por apertura",null,null,{"$f":"IFERROR(Simulador!O31*1,0)","v":0},null,"Piso","Techo"]
[{"$f":"IF(AND(Simulador!T68=1,Simulador!T62=2),\"VALORA 10 AÑOS\",IF(AND(Simulador!T68=1,Simulador!T62=3),\"VALORA 15 AÑOS\",IF(AND(Simulador!T68=1,Simulador!T62=4),\"VALORA 20 AÑOS\",IF(AND(Simulador!T68=2,Simulador!T62=1),\"PAGOS OPORTUNOS 7 AÑOS\",IF(AND(Simulador!T68=2,Simulador!T62=2),\"PAGOS OPORTUNOS 10 AÑOS\",IF(AND(Simulador!T68=2,Simulador!T62=3),\"PAGOS OPORTUNOS 15 AÑOS\",\"PAGOS OPORTUNOS 20 AÑOS\"))))))","v":"VALORA 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,"Disminución de plazo",null,null,"Avalúo",null,null,{"$f":"IFERROR(Simulador!O30*1,0)","v":0},null,{"$f":"Simulador!U53","v":0.1075},{"$f":"Simulador!U54","v":0.1275}]
["Observaciones",null,null,null,null,null,null,null,null,null,null,{"$f":"Simulador!C8","v":"2024-03-22"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Disminución de pago",null,null,"Total",null,null,{"$f":"+AK4+AK3","v":0}]
["- En caso de que aplique la comisión por prepagos causa IVA y en la corrida ya lo incluye"]
["- El escenario que se presenta en la tabla de amortización siempre es considerando que se paga de manera puntual el crédito."]
["- Para los esquemas de \"Pagos Oportunos\" y \"Valora\" se deberá cumplir con las reglas establecidas en los programas para la disminución de la tasa de interés",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BB12*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,"TIR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"((1+BB12)^12)-1","v":0}]
["- Este documento NO implica que el crédito ha sido autorizado, ni establece obligación alguna para Scotiabank.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"El crédito se liquida",null,null,null,null,null,null,{"$f":"AF14","v":0},"Años",null,null,null,null,null,null,null,{"$f":"IFERROR(IRR(AH14:AH254,0),0)","v":0},null,{"$f":"AH10*12","v":0},{"$f":"((1+AH10)^12)-1","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Corrida para CAT"]
["- CAT =.",{"$f":"BB9","v":0},"\"Para fines informativos de comparación exclusivamente sin IVA\"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"por pago puntual en:",null,null,null,null,null,null,{"$f":"AG14","v":0},"Meses",null,null,null,null,null,null,null,"Corrida para CAT",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TIR"]
["- En caso de anticipos a capital escoja la opción:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(IRR(BB13:BB254,0),0)","v":0}]
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["Período","Saldo Inicial",null,"Erogación",null,"Interés",null,"Amortización",null,"Prepagos a capital",null,"Comisión por prepagos",null,"Aportación Bimestral (Apoyo Inf)",null,"Tasa aplicada",null,"Saldo Final",null,"Seguro de vida y desempleo",null,"Seguro de daños",null,null,"Pago Mensual",null,"Inc. Pago",null,"años","meses",{"$f":"SUM(AE15:AE254)","v":1},{"$f":"SUM(AF15:AF254)","v":0},{"$f":"SUM(AG15:AG254)","v":0},{"$f":"AK5-B15","v":0},"Tasa aplicar","Tasa Valora","Erogación","7 años","10 años","15 años","20 años","30 años","factor de pago - Valora","Tasa PO",null,"Saldo Inicial","Erogación","Interés","Amortización","Saldo Final","Tasa Aplic.","Seguros","Incremento Pago","Pago Mensual","Plazo","Fecha","Dias","Período","Año actual","Mes actual","Día actual","Dia/corte","sumar a mes"]
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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)"]
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[]
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[]
["Carátula de Crédito "]
[null,null,null,"Nombre del Acreditado y/o Coacreditado:"]
[null,null,null,{"$f":"IF(Simulador!M11=\"\",\"\",Simulador!M11)","v":""}]
[null,null,null,"Número de Crédito:"]
[]
["Nombre comercial del producto:",{"$f":"INDEX(Simulador!AE32:AE38,Simulador!U39)&\" \"&UPPER(INDEX(Simulador!S69:S70,Simulador!T68))&\" \"&A18","v":"CREDIRESIDENCIAL VALORA 20 años"}]
[]
["Tipo de Crédito: Crédito Hipotecario "]
["CAT","TASA DE INTERES","MONTO O LINEA DE","MONTO TOTAL A PAGAR O"]
["(Costo Anual Total)","ANUAL ORDINARIA","CRÉDITO","MINIMO A PAGAR"]
[{"$f":"Simulador!I40","v":0},{"$f":"IFERROR(IF(Simulador!D21=0,0,Simulador!I42),0)","v":0},{"$f":"IFERROR(IF(Simulador!O25=\"\",Simulador!I25,Simulador!O25),0)","v":0},{"$f":"IFERROR(SUM('Tabla de amortizacion'!$Y$15:$Y$254),0)","v":0}]
["Sin IVA",null,null,"Moneda en"]
["Para fines",null,null,"Pesos"]
["informativos y de",null,null,"Mexicanos "]
["comparación","Tasa Fija"]
["PLAZO DEL CRÉDITO:","Fecha Límite de pago: \nSi tu fecha de corte es el día 3, tu fecha de pago es el día 3 de cada mes. \nSi tu fecha de corte es el día 17, tu fecha de pago es el día 17 de cada mes. "]
[{"$f":"INDEX(Simulador!S63:S66,Simulador!T62)","v":"20 años"},"Fecha de corte: \nSi tu fecha de disposición es entre el dia 3 y 16, tu fecha de corte será el día 3 de cada mes. \nSi tu fecha de disposición es entre el día 17 y 2, tu fecha de corte será el día 17 de cada mes."]
["COMISIONES RELEVANTES"]
[{"$f":"\"Apertura: \"&TEXT(Simulador!O31,\"$###,###.00\")","v":"Apertura: $.00"},null,{"$f":"IF(RECAS!A1=\"7-2-2\",\"Cobranza: $350.00 más IVA por pago tardío \",\"Cobranza: $500.00 más IVA por pago tardío \")","v":"Cobranza: $500.00 más IVA por pago tardío "}]
[{"$f":"\"Prepago: \"&IF(Simulador!T41=1,\"0% \",\"3% \")&\"más IVA sobre el monto anticipado\"","v":"Prepago: 0% más IVA sobre el monto anticipado"},null,"Para otras comisiones consulte la cláusula décima tercera"]
["ADVERTENCIAS"]
[]
["Incumplir tus obligaciones te puede generar comisiones e intereses moratorios. "]
["Contratar créditos que excedan de tu capacidad de pago afecta tu historial crediticio. "]
["El avalista, obligado solidario o coacreditado responderá como obligado principal por el total del pago frente a la Institución Financiera. "]
["SEGUROS"]
["Seguros Obligatorios:","Aseguradora:","Cláusulas:"]
[]
["Vida y Desempleo","Cardif México Seguros de Vida,          S.A. de C.V.","Vigésima Cuarta"]
[null,null,"Scotiabank Inverlat le ofrece al acreditado y/o coacreditado, la posibilidad de contratar a nombre de este (os) último(s) los seguros establecidos en la cláusula vigésima cuarta. Lo anterior sin perjuicio del derecho innegable que el cliente tiene de contratarlos a través de terceros."]
["Daños y Responsabilidad Civil","Cardif México Seguros Generales, S.A. de C.V."]
[]
["ESTADO DE CUENTA"]
["Envío a Domicilio ü              Consulta vía Internet ___            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 "]
[{"$f":"\"Registro de Contratos de Adhesión Núm:  \"&IF(Simulador!D21=0,\"\",IFERROR(VLOOKUP(RECAS!$A$1,RECAS!$A$3:$D$20,4,0),\"Revisa los datos ingresados\"))","v":"Registro de Contratos de Adhesión Núm:  "}]
["Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (CONDUSEF):"]
["Teléfono: 800 999 8080 y (55) 5340 0999. Página de Internet. www.condusef.gob.mx "]

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["Clave","No.","Nombre","RECA","Fecha de expedición","Tipo Crédito","Esquema","Mancomunado"]
[{"$f":"F3&\"-\"&G3&\"-\"&H3","v":"1-2-1"},9,"Adquisición Pagos Oportunos","0319-138-038229/02-00061-0124","2024-01-15",1,2,1]
["2-2-1",10,"Adquisición Con Apoyo Pagos Oportunos","0319-138-038230/02-00062-0124","2024-01-15",2,2,1]
["1-1-1",11,"Adquisición Valora","0319-138-038232/02-00063-0124","2024-01-15",1,1,1]
["2-1-1",12,"Adquisición Con Apoyo Valora","0319-138-038235/02-00064-0124","2024-01-15",2,1,1]
["4-2-1",21,"Pago de Pasivos Pagos Oportunos","0319-138-007480/24-00073-0124","2024-01-15",4,2,1]
["4-1-1",22,"Pago de Pasivos Valora","0319-138-007481/24-00074-0124","2024-01-15",4,1,1]
["6-2-1",25,"Liquidez Vivienda Pagos Oportunos","0319-138-007482/24-00077-0124","2024-01-15",6,2,1]
["6-1-1",26,"Liquidez Vivienda Valora","0319-138-007483/24-00078-0124","2024-01-15",6,1,1]
[{"$f":"F11&\"-\"&G11&\"-\"&H11","v":"3-2-1"},27,"Cofinavit Pagos Oportunos","0319-138-038237/02-00079-0124","2024-01-15",3,2,1]
["3-2-2",28,"Cofinavit Conyugales Pagos Oportunos","0319-138-038238/02-00080-0124","2024-01-15",3,2,2]
["3-1-1",29,"Cofinavit Valora","0319-138-038239/02-00081-0124","2024-01-15",3,1,1]
["3-1-2",30,"Cofinavit Conyugales Valora","0319-138-038240/02-00082-0124","2024-01-15",3,1,2]
["5-2-1",23,"Pago de Pasivos Pagos Oportunos con Apoyo Infonavit","0319-138-024405/15-00075-0124","2024-01-15",5,2,1]
["5-1-1",24,"Pago de Pasivos Valora con Apoyo Infonavit","0319-138-024404/15-00076-0124","2024-01-15",5,1,1]
["7-1-1",44,"Cofinavit CI+CB Valora","0319-138-035429/06-00096-0124","2024-01-15",7,1,1]
["7-1-2",45,"Cofinavit CI+CB Conyugal Valora","0319-138-035430/06-00097-0124","2024-01-15",7,1,2]
["7-2-1",46,"Cofinavit CI+CB Pagos Oportunos","0319-138-035431/06-00098-0124","2024-01-15",7,2,1]
["7-2-2",47,"Cofinavit CI+CB Conyugal Pagos Oportunos","0319-138-035432/06-00099-0124","2024-01-15",7,2,2]

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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"]