INBURCASA

COFINANCIAMIENTO

EMPLEADOS

Incluye Gcarso, Filiales Telmex e Inbursa

Programa con descuento va nmina

Fecha:

CREDITO HIPOTECARIO
1.- Datos del Solicitante
Nombre del Solicitante:
RFC Solicitante:
Sueldo Mensual:
Capacidad al 40%
Deducciones otros crditos
Disponible
Derecho a Fondo de Ahorro (si o no):
Antigedad:
Porcentaje de Fondo de Ahorro:
Das de Aguinaldo:
Edad:
Empleado Inbursa (si o no):
NSS: / No. De Folio:
Importe Aguinaldo:
Importe Fondo de Ahorro:

2.- Datos del Crdito

MARIA JOSE PLIEGO CHAVEZ

Monto Mximo de Crdito

Incremento Anual de Pago
% Descuento Mensual
% Descuento Diciembre

Destino:

XXXX810524
$18,191.00
$7,276.40
$0.00
$7,276.40
SI
3
10%
50
30

Domicilio completo del Inmueble:

SI

15
$733,000.00
$513,100.00
$186,362.74
$73,300.00

Enganche Mnimo*:

$473,337.26
$0.00

Monto a Financiar Total (Seguro Daos y

Monedero):
NO APLICA

##

$73,300.00

Monto a Financiar de Crdito:

90%
Monto en Monedero Electrnico SEARS:

$0.00
NO
5.00%
NO

PENDIENTE

Plazo en aos:
Valor del Inmueble:
Valor de la Construccin:
Aportacin neta Infonavit (SSV+Crdito):
Aportacin Adicional (Opcional):

90058106551
$30,318.33
$43,658.40

Aportacin Patronal Bimestral

Monedero Electrnico SEARS*:
Porcentaje en Monedero:
Lnea Telefnica TELMEX:

20-Apr-12
Versin 18

$490,908.06

Tasa de Inters:
Tasa de Inters Moratorio (sobre mensualidad vencida):
Costo Anual Total (CAT) "Sin IVA":

12.00%
Ordinaria x 3
13.34%

$490,908.06 Incluye Seguro de Daos

3.00%
21.76%
21.70%

Tarifa del Seguro de Vida:

*El monto a financiar total (incluyendo Seguro de Daos y Monedero Electrnico SEARS)
NO DEBER EXCEDER EL 30% de descuento mensual.

3.- Pagos al Inicio del Crdito

Mnimo:
Enganche
15%
10%
Comisin
(Destino Liquidez aplica I.V.A.)
0.00%
Avalo (2.5 al millar, mn. $ 1,000) IVA Incluido
Gastos Notariales Aproximados:
Total de Pagos Iniciales

$0.30

Prima del Seguro de Daos ( financiado ):

Construccin Terreno Apoyo Infonavit
Extra prima de daos

$17,570.80
NO

4.- Pagos en la vida del crdito

$73,300.00
$0.00
$2,125.70
$36,650.00
$112,075.70

$0.00
$1,832.50

11 pagos mensuales de:

1 pago en diciembre de:
Recuerda ! :

3,957.99
20,010.94

( Incluye la mensualidad 12 )

Estos pagos crecern 3% en enero de cada ao,

y el cotizador supone que el crdito inicia en enero

5.- Notas Aclaratorias

a) El plazo del crdito "Inburcasa Empleados" es hasta 15 aos, por lo tanto, a las personas
mayores de 50 aos que deseen contratar este crdito se les har una cotizacin
al plazo que corresponda al momento de la autorizacin de su crdito.

e) Instrucciones para el uso del cotizador:

Se llenarn todas las celdas que estn marcadas en amarillo, y cuando se hayan llenado todos
los campos, se oprimir el botn de "CLCULAR" para que se efecten los clculos deseados.
Para el caso del Seguro de Daos hay que ingresar el Cdigo Postal del inmueble en cuestin.

b) El presente cotizador es una herramienta de consulta a disposicin del Solicitante para

efectuar un estimado de las mensualidades que pagara en caso de ser aprobado su
crdito; sin embargo, el Banco o la Aseguradora presentarn los clculos definitivos
al momento de la formalizacin del crdito.

c) El porcentaje de pago en diciembre nunca podr ser mayor que el porcentaje de pago

f) PREPAGOS:
Para ver el comportamiento de la tabla en caso de prepagos, despus de haber obtenido la
tabla correcta de acuerdo con el inciso f), debern anotar en la columna de prepagos la
cantidad que deseen prepagar, en el mes que deseen efectuar el prepago.

mensual
d) El Costo Anual Total (CAT) expresado arriba incluye el costo del seguro de vida,
seguro de daos, comisin de apertura y avalo en crditos a 15 aos sin Apoyo
Infonavit.

g) Favor de solicitar la tabla de amortizacin completa para que pueda usted realizar
su anlisis completo.

TABLA DE AMORTIZACION
Ao

Mes

0
1
1
1
1
1
1
1
1
1
1
1
1
2
2
2
2
2
2
2
2
2
2
2
2
3
3
3
3
3
3
3
3
3
3
3
3
4
4
4
4
4
4
4
4
4
4
4
4
5
5
5
5
5
5
5
5
5
5
5
5
6
6
6
6
6
6
6
6
6
6
6
6
7
7
7
7
7
7
7
7
7
7
7
7
8
8
8
8
8
8
8
8
8
8
8
8

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96

Saldo

Insoluto
$490,908.06
$492,074.62
$493,253.35
$494,444.38
$495,647.85
$496,863.89
$498,092.61
$499,334.17
$500,588.68
$501,856.29
$503,137.13
$504,431.35
$489,686.12
$490,721.18
$491,767.04
$492,823.82
$493,891.63
$494,970.60
$496,060.82
$497,162.42
$498,275.53
$499,400.25
$500,536.71
$501,685.04
$486,310.82
$487,188.34
$488,075.02
$488,970.96
$489,876.25
$490,791.00
$491,715.29
$492,649.23
$493,592.92
$494,546.46
$495,509.95
$496,483.50
$480,436.64
$481,126.87
$481,824.31
$482,529.03
$483,241.10
$483,960.61
$484,687.63
$485,422.24
$486,164.51
$486,914.54
$487,672.39
$488,438.16
$471,670.42
$472,139.40
$472,613.26
$473,092.08
$473,575.89
$474,064.76
$474,558.72
$475,057.85
$475,562.18
$476,071.78
$476,586.70
$477,106.99
$459,564.98
$459,773.94
$459,985.08
$460,198.43
$460,414.01
$460,631.83
$460,851.93
$461,074.33
$461,299.05
$461,526.11
$461,755.54
$461,987.37
$443,611.85
$443,516.63
$443,420.42
$443,323.20
$443,224.96
$443,125.70
$443,025.40
$442,924.06
$442,821.66
$442,718.19
$442,613.63
$442,507.99
$423,233.18
$422,783.45
$422,329.02
$421,869.85
$421,405.88
$420,937.07
$420,463.37
$419,984.72
$419,501.08
$419,012.38
$418,518.59
$418,019.64
$397,772.38

Inters

Mensual
$4,977.27
$4,989.10
$5,001.05
$5,013.12
$5,025.32
$5,037.65
$5,050.11
$5,062.70
$5,075.42
$5,088.27
$5,101.26
$5,114.38
$4,964.88
$4,975.37
$4,985.98
$4,996.69
$5,007.52
$5,018.46
$5,029.51
$5,040.68
$5,051.97
$5,063.37
$5,074.89
$5,086.53
$4,930.66
$4,939.55
$4,948.54
$4,957.63
$4,966.81
$4,976.08
$4,985.45
$4,994.92
$5,004.49
$5,014.16
$5,023.93
$5,033.80
$4,871.10
$4,878.10
$4,885.17
$4,892.31
$4,899.53
$4,906.83
$4,914.20
$4,921.65
$4,929.17
$4,936.78
$4,944.46
$4,952.23
$4,782.22
$4,786.97
$4,791.78
$4,796.63
$4,801.54
$4,806.50
$4,811.50
$4,816.56
$4,821.68
$4,826.84
$4,832.06
$4,837.34
$4,659.48
$4,661.60
$4,663.74
$4,665.91
$4,668.09
$4,670.30
$4,672.53
$4,674.79
$4,677.06
$4,679.37
$4,681.69
$4,684.04
$4,497.74
$4,496.77
$4,495.80
$4,494.81
$4,493.81
$4,492.81
$4,491.79
$4,490.76
$4,489.72
$4,488.68
$4,487.62
$4,486.54
$4,291.12
$4,286.56
$4,281.95
$4,277.30
$4,272.59
$4,267.84
$4,263.04
$4,258.18
$4,253.28
$4,248.32
$4,243.32
$4,238.26

Seguro
de Vida
$147.27
$147.62
$147.98
$148.33
$148.69
$149.06
$149.43
$149.80
$150.18
$150.56
$150.94
$151.33
$146.91
$147.22
$147.53
$147.85
$148.17
$148.49
$148.82
$149.15
$149.48
$149.82
$150.16
$150.51
$145.89
$146.16
$146.42
$146.69
$146.96
$147.24
$147.51
$147.79
$148.08
$148.36
$148.65
$148.95
$144.13
$144.34
$144.55
$144.76
$144.97
$145.19
$145.41
$145.63
$145.85
$146.07
$146.30
$146.53
$141.50
$141.64
$141.78
$141.93
$142.07
$142.22
$142.37
$142.52
$142.67
$142.82
$142.98
$143.13
$137.87
$137.93
$138.00
$138.06
$138.12
$138.19
$138.26
$138.32
$138.39
$138.46
$138.53
$138.60
$133.08
$133.05
$133.03
$133.00
$132.97
$132.94
$132.91
$132.88
$132.85
$132.82
$132.78
$132.75
$126.97
$126.84
$126.70
$126.56
$126.42
$126.28
$126.14
$126.00
$125.85
$125.70
$125.56
$125.41

Amortizacin
-$1,166.55
-$1,178.73
-$1,191.04
-$1,203.47
-$1,216.03
-$1,228.73
-$1,241.55
-$1,254.51
-$1,267.61
-$1,280.84
-$1,294.21
$14,745.23
-$1,035.06
-$1,045.86
-$1,056.78
-$1,067.81
-$1,078.96
-$1,090.22
-$1,101.60
-$1,113.10
-$1,124.72
-$1,136.46
-$1,148.33
$15,374.22
-$877.52
-$886.68
-$895.94
-$905.29
-$914.74
-$924.29
-$933.94
-$943.69
-$953.54
-$963.49
-$973.55
$16,046.86
-$690.23
-$697.44
-$704.72
-$712.07
-$719.51
-$727.02
-$734.61
-$742.28
-$750.02
-$757.85
-$765.77
$16,767.73
-$468.97
-$473.87
-$478.81
-$483.81
-$488.86
-$493.97
-$499.12
-$504.33
-$509.60
-$514.92
-$520.29
$17,542.01
-$208.96
-$211.14
-$213.35
-$215.58
-$217.83
-$220.10
-$222.40
-$224.72
-$227.06
-$229.43
-$231.83
$18,375.52
$95.22
$96.22
$97.22
$98.24
$99.26
$100.30
$101.34
$102.40
$103.47
$104.55
$105.64
$19,274.81
$449.73
$454.43
$459.17
$463.97
$468.81
$473.70
$478.65
$483.64
$488.69
$493.79
$498.95
$20,247.26

Pago
Mensual
-$488,782.36
$3,957.99
$3,957.99
$3,957.99
$3,957.99
$3,957.99
$3,957.99
$3,957.99
$3,957.99
$3,957.99
$3,957.99
$3,957.99
$20,010.94
$4,076.73
$4,076.73
$4,076.73
$4,076.73
$4,076.73
$4,076.73
$4,076.73
$4,076.73
$4,076.73
$4,076.73
$4,076.73
$20,611.26
$4,199.03
$4,199.03
$4,199.03
$4,199.03
$4,199.03
$4,199.03
$4,199.03
$4,199.03
$4,199.03
$4,199.03
$4,199.03
$21,229.60
$4,325.00
$4,325.00
$4,325.00
$4,325.00
$4,325.00
$4,325.00
$4,325.00
$4,325.00
$4,325.00
$4,325.00
$4,325.00
$21,866.49
$4,454.75
$4,454.75
$4,454.75
$4,454.75
$4,454.75
$4,454.75
$4,454.75
$4,454.75
$4,454.75
$4,454.75
$4,454.75
$22,522.49
$4,588.39
$4,588.39
$4,588.39
$4,588.39
$4,588.39
$4,588.39
$4,588.39
$4,588.39
$4,588.39
$4,588.39
$4,588.39
$23,198.16
$4,726.04
$4,726.04
$4,726.04
$4,726.04
$4,726.04
$4,726.04
$4,726.04
$4,726.04
$4,726.04
$4,726.04
$4,726.04
$23,894.11
$4,867.82
$4,867.82
$4,867.82
$4,867.82
$4,867.82
$4,867.82
$4,867.82
$4,867.82
$4,867.82
$4,867.82
$4,867.82
$24,610.93

Saldo Insoluto
Apoyo Infonavit

Prepagos

Ao

Mes

9
9
9
9
9
9
9
9
9
9
9
9
10
10
10
10
10
10
10
10
10
10
10
10
11
11
11
11
11
11
11
11
11
11
11
11
12
12
12
12
12
12
12
12
12
12
12
12
13
13
13
13
13
13
13
13
13
13
13
13
14
14
14
14
14
14
14
14
14
14
14
14
15
15
15
15
15
15
15
15
15
15
15
15

97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180

Saldo

Insoluto
$396,910.82
$396,040.28
$395,160.65
$394,271.83
$393,373.74
$392,466.27
$391,549.33
$390,622.81
$389,686.63
$388,740.67
$387,784.84
$366,483.63
$365,145.04
$363,792.48
$362,425.80
$361,044.85
$359,649.49
$358,239.56
$356,814.91
$355,375.40
$353,920.85
$352,451.12
$350,966.05
$328,520.02
$326,630.20
$324,720.66
$322,791.18
$320,841.57
$318,871.60
$316,881.07
$314,869.75
$312,837.45
$310,783.92
$308,708.96
$306,612.34
$282,920.01
$280,394.61
$277,842.84
$275,264.44
$272,659.12
$270,026.60
$267,366.60
$264,678.84
$261,963.02
$259,218.85
$256,446.03
$253,644.26
$228,592.21
$225,335.32
$222,044.44
$218,719.20
$215,359.24
$211,964.21
$208,533.75
$205,067.47
$201,565.01
$198,025.98
$194,450.01
$190,836.72
$164,298.03
$160,200.69
$156,060.57
$151,877.24
$147,650.23
$143,379.10
$139,063.39
$134,702.62
$130,296.33
$125,844.05
$121,345.28
$116,799.56
$88,632.08
$83,570.50
$78,456.07
$73,288.26
$68,066.50
$62,790.23
$57,458.88
$52,071.88
$46,628.65
$41,128.59
$35,571.12
$29,955.63
$0.00

Inters

Mensual
$4,032.97
$4,024.24
$4,015.41
$4,006.49
$3,997.48
$3,988.38
$3,979.18
$3,969.88
$3,960.49
$3,950.99
$3,941.40
$3,931.71
$3,715.74
$3,702.17
$3,688.46
$3,674.60
$3,660.60
$3,646.45
$3,632.16
$3,617.71
$3,603.12
$3,588.37
$3,573.47
$3,558.41
$3,330.83
$3,311.67
$3,292.31
$3,272.75
$3,252.98
$3,233.01
$3,212.83
$3,192.43
$3,171.83
$3,151.01
$3,129.97
$3,108.71
$2,868.50
$2,842.89
$2,817.02
$2,790.88
$2,764.46
$2,737.77
$2,710.80
$2,683.55
$2,656.02
$2,628.19
$2,600.08
$2,571.67
$2,317.67
$2,284.65
$2,251.29
$2,217.57
$2,183.51
$2,149.08
$2,114.30
$2,079.16
$2,043.65
$2,007.77
$1,971.51
$1,934.87
$1,665.80
$1,624.26
$1,582.28
$1,539.87
$1,497.01
$1,453.71
$1,409.95
$1,365.74
$1,321.06
$1,275.92
$1,230.31
$1,184.22
$898.63
$847.31
$795.46
$743.06
$690.12
$636.62
$582.57
$527.95
$472.76
$417.00
$360.65
$303.72

Seguro
de Vida
$119.33
$119.07
$118.81
$118.55
$118.28
$118.01
$117.74
$117.46
$117.19
$116.91
$116.62
$116.34
$109.95
$109.54
$109.14
$108.73
$108.31
$107.89
$107.47
$107.04
$106.61
$106.18
$105.74
$105.29
$98.56
$97.99
$97.42
$96.84
$96.25
$95.66
$95.06
$94.46
$93.85
$93.24
$92.61
$91.98
$84.88
$84.12
$83.35
$82.58
$81.80
$81.01
$80.21
$79.40
$78.59
$77.77
$76.93
$76.09
$68.58
$67.60
$66.61
$65.62
$64.61
$63.59
$62.56
$61.52
$60.47
$59.41
$58.34
$57.25
$49.29
$48.06
$46.82
$45.56
$44.30
$43.01
$41.72
$40.41
$39.09
$37.75
$36.40
$35.04
$26.59
$25.07
$23.54
$21.99
$20.42
$18.84
$17.24
$15.62
$13.99
$12.34
$10.67
$8.99

Amortizacin
$861.55
$870.55
$879.63
$888.82
$898.09
$907.47
$916.94
$926.51
$936.19
$945.96
$955.83
$21,301.21
$1,338.59
$1,352.56
$1,366.68
$1,380.95
$1,395.36
$1,409.93
$1,424.65
$1,439.52
$1,454.55
$1,469.73
$1,485.07
$22,446.03
$1,889.81
$1,909.54
$1,929.48
$1,949.62
$1,969.97
$1,990.53
$2,011.31
$2,032.31
$2,053.52
$2,074.96
$2,096.62
$23,692.33
$2,525.40
$2,551.77
$2,578.40
$2,605.32
$2,632.52
$2,660.00
$2,687.76
$2,715.82
$2,744.17
$2,772.82
$2,801.76
$25,052.05
$3,256.89
$3,290.89
$3,325.24
$3,359.95
$3,395.03
$3,430.47
$3,466.28
$3,502.46
$3,539.02
$3,575.97
$3,613.30
$26,538.69
$4,097.34
$4,140.12
$4,183.33
$4,227.00
$4,271.13
$4,315.72
$4,360.77
$4,406.29
$4,452.29
$4,498.76
$4,545.72
$28,167.48
$5,061.59
$5,114.42
$5,167.81
$5,221.76
$5,276.27
$5,331.35
$5,387.00
$5,443.24
$5,500.06
$5,557.47
$5,615.49
$29,955.63

Pago
Mensual
$5,013.86
$5,013.86
$5,013.86
$5,013.86
$5,013.86
$5,013.86
$5,013.86
$5,013.86
$5,013.86
$5,013.86
$5,013.86
$25,349.26
$5,164.27
$5,164.27
$5,164.27
$5,164.27
$5,164.27
$5,164.27
$5,164.27
$5,164.27
$5,164.27
$5,164.27
$5,164.27
$26,109.73
$5,319.20
$5,319.20
$5,319.20
$5,319.20
$5,319.20
$5,319.20
$5,319.20
$5,319.20
$5,319.20
$5,319.20
$5,319.20
$26,893.03
$5,478.78
$5,478.78
$5,478.78
$5,478.78
$5,478.78
$5,478.78
$5,478.78
$5,478.78
$5,478.78
$5,478.78
$5,478.78
$27,699.82
$5,643.14
$5,643.14
$5,643.14
$5,643.14
$5,643.14
$5,643.14
$5,643.14
$5,643.14
$5,643.14
$5,643.14
$5,643.14
$28,530.81
$5,812.44
$5,812.44
$5,812.44
$5,812.44
$5,812.44
$5,812.44
$5,812.44
$5,812.44
$5,812.44
$5,812.44
$5,812.44
$29,386.74
$5,986.81
$5,986.81
$5,986.81
$5,986.81
$5,986.81
$5,986.81
$5,986.81
$5,986.81
$5,986.81
$5,986.81
$5,986.81
$30,268.34

Saldo Insoluto
Apoyo Infonavit

Prepagos