{"id":457,"date":"2019-06-14T10:50:25","date_gmt":"2019-06-14T15:50:25","guid":{"rendered":"https:\/\/sciesc.com.mx\/?page_id=457"},"modified":"2023-11-26T17:15:23","modified_gmt":"2023-11-26T23:15:23","slug":"topicos-financieros","status":"publish","type":"page","link":"https:\/\/sciesc.com.mx\/en\/topicos-financieros\/","title":{"rendered":"T\u00f3picos Financieros"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"457\" class=\"elementor elementor-457\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c94347 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c94347\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d3e2c8e\" data-id=\"d3e2c8e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61cc4a7 elementor-widget elementor-widget-spacer\" data-id=\"61cc4a7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15a6b51 elementor-widget elementor-widget-shortcode\" data-id=\"15a6b51\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><style>.wp-show-posts-columns#wpsp-92 {margin-left: -2em; }.wp-show-posts-columns#wpsp-92 .wp-show-posts-inner {margin: 0 0 2em 2em; }<\/style><section id=\"wpsp-92\" class=\"wp-show-posts-columns wp-show-posts\" style=\"\"><article class=\"wp-show-posts-single post-554 post type-post status-publish format-standard has-post-thumbnail hentry category-sin-categoria wpsp-col-4\" itemtype=\"http:\/\/schema.org\/CreativeWork\" itemscope><div class=\"wp-show-posts-inner\" style=\"\">\t\t\t\t\t\t<header class=\"wp-show-posts-entry-header\">\n\t\t\t\t\t\t\t<h2 class=\"wp-show-posts-entry-title\" itemprop=\"headline\"><a href=\"https:\/\/sciesc.com.mx\/en\/mapa-de-procesos-cuales-son-sus-beneficios-reales\/\" rel=\"bookmark\">Mapa de procesos, \u00bfcu\u00e1les son sus beneficios reales?<\/a><\/h2>\t\t\t\t\t\t<\/header><!-- .entry-header -->\n\t\t\t\t\t\t\t<div class=\"wp-show-posts-image  wpsp-image-center\">\n\t\t\t<a href=\"https:\/\/sciesc.com.mx\/en\/mapa-de-procesos-cuales-son-sus-beneficios-reales\/\"  title=\"Mapa de procesos, \u00bfcu\u00e1les son sus beneficios reales?\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1280\" src=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/books-connection-contemporary-459654_opt.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" itemprop=\"image\" srcset=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/books-connection-contemporary-459654_opt.jpg 1920w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/books-connection-contemporary-459654_opt-600x400.jpg 600w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/books-connection-contemporary-459654_opt-300x200.jpg 300w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/books-connection-contemporary-459654_opt-768x512.jpg 768w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/books-connection-contemporary-459654_opt-1024x683.jpg 1024w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/books-connection-contemporary-459654_opt-377x251.jpg 377w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/a>\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"wp-show-posts-entry-summary\" itemprop=\"text\">\n\t\t\t\t\t\t\t<p>Cuando has identificado los procesos que ocurren en tu organizaci\u00f3n y has definido su car\u00e1cter y sus especificidades, el siguiente paso es elaborar un mapa de procesos que te sirva&#8230;<\/p>\n\t\t\t\t\t\t<\/div><!-- .entry-summary -->\n\t\t\t\t\t<div class=\"wpsp-read-more\"><a title=\"Mapa de procesos, \u00bfcu\u00e1les son sus beneficios reales?\" class=\"wp-show-posts-read-more\" href=\"https:\/\/sciesc.com.mx\/en\/mapa-de-procesos-cuales-son-sus-beneficios-reales\/\">Leer m\u00e1s<\/a><\/div><\/div><!-- wp-show-posts-inner --><\/article><article class=\"wp-show-posts-single post-100 post type-post status-publish format-standard has-post-thumbnail hentry category-sin-categoria wpsp-col-4\" itemtype=\"http:\/\/schema.org\/CreativeWork\" itemscope><div class=\"wp-show-posts-inner\" style=\"\">\t\t\t\t\t\t<header class=\"wp-show-posts-entry-header\">\n\t\t\t\t\t\t\t<h2 class=\"wp-show-posts-entry-title\" itemprop=\"headline\"><a href=\"https:\/\/sciesc.com.mx\/en\/enfoque-estrategico-y-comercial-con-problemas\/\" rel=\"bookmark\">Enfoque estrat\u00e9gico del Control Interno<\/a><\/h2>\t\t\t\t\t\t<\/header><!-- .entry-header -->\n\t\t\t\t\t\t\t<div class=\"wp-show-posts-image  wpsp-image-center\">\n\t\t\t<a href=\"https:\/\/sciesc.com.mx\/en\/enfoque-estrategico-y-comercial-con-problemas\/\"  title=\"Enfoque estrat\u00e9gico del Control Interno\"><img decoding=\"async\" width=\"1920\" height=\"1278\" src=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architectural-design-architecture-buildings-830891_opt.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" itemprop=\"image\" srcset=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architectural-design-architecture-buildings-830891_opt.jpg 1920w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architectural-design-architecture-buildings-830891_opt-600x399.jpg 600w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architectural-design-architecture-buildings-830891_opt-300x200.jpg 300w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architectural-design-architecture-buildings-830891_opt-768x511.jpg 768w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architectural-design-architecture-buildings-830891_opt-1024x682.jpg 1024w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architectural-design-architecture-buildings-830891_opt-377x251.jpg 377w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/a>\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"wp-show-posts-entry-summary\" itemprop=\"text\">\n\t\t\t\t\t\t\t<p>Para entender la importancia del control interno en las empresas, conviene empezar por entender el prop\u00f3sito del control interno, que tiene como objetivo resguardar los recursos de la empresa o&#8230;<\/p>\n\t\t\t\t\t\t<\/div><!-- .entry-summary -->\n\t\t\t\t\t<div class=\"wpsp-read-more\"><a title=\"Enfoque estrat\u00e9gico del Control Interno\" class=\"wp-show-posts-read-more\" href=\"https:\/\/sciesc.com.mx\/en\/enfoque-estrategico-y-comercial-con-problemas\/\">Leer m\u00e1s<\/a><\/div><\/div><!-- wp-show-posts-inner --><\/article><article class=\"wp-show-posts-single post-96 post type-post status-publish format-standard has-post-thumbnail hentry category-sin-categoria wpsp-col-4\" itemtype=\"http:\/\/schema.org\/CreativeWork\" itemscope><div class=\"wp-show-posts-inner\" style=\"\">\t\t\t\t\t\t<header class=\"wp-show-posts-entry-header\">\n\t\t\t\t\t\t\t<h2 class=\"wp-show-posts-entry-title\" itemprop=\"headline\"><a href=\"https:\/\/sciesc.com.mx\/en\/por-que-comprar-una-casa-es-una-mala-inversion\/\" rel=\"bookmark\">\u00bfQu\u00e9 articulan las normas del gobierno corporativo?<\/a><\/h2>\t\t\t\t\t\t<\/header><!-- .entry-header -->\n\t\t\t\t\t\t\t<div class=\"wp-show-posts-image  wpsp-image-center\">\n\t\t\t<a href=\"https:\/\/sciesc.com.mx\/en\/por-que-comprar-una-casa-es-una-mala-inversion\/\"  title=\"\u00bfQu\u00e9 articulan las normas del gobierno corporativo?\"><img decoding=\"async\" width=\"1920\" height=\"1275\" src=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architecture-building-center-27406_opt.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" itemprop=\"image\" srcset=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architecture-building-center-27406_opt.jpg 1920w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architecture-building-center-27406_opt-600x398.jpg 600w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architecture-building-center-27406_opt-300x199.jpg 300w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architecture-building-center-27406_opt-768x510.jpg 768w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architecture-building-center-27406_opt-1024x680.jpg 1024w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/architecture-building-center-27406_opt-377x251.jpg 377w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/a>\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"wp-show-posts-entry-summary\" itemprop=\"text\">\n\t\t\t\t\t\t\t<p>La aplicaci\u00f3n de un c\u00f3digo de buen gobierno es la garant\u00eda para el crecimiento sostenible de la empresa en el medio y largo plazo, ya que ayuda a restablece la&#8230;<\/p>\n\t\t\t\t\t\t<\/div><!-- .entry-summary -->\n\t\t\t\t\t<div class=\"wpsp-read-more\"><a title=\"\u00bfQu\u00e9 articulan las normas del gobierno corporativo?\" class=\"wp-show-posts-read-more\" href=\"https:\/\/sciesc.com.mx\/en\/por-que-comprar-una-casa-es-una-mala-inversion\/\">Leer m\u00e1s<\/a><\/div><\/div><!-- wp-show-posts-inner --><\/article><article class=\"wp-show-posts-single post-1 post type-post status-publish format-standard has-post-thumbnail hentry category-sin-categoria wpsp-col-4\" itemtype=\"http:\/\/schema.org\/CreativeWork\" itemscope><div class=\"wp-show-posts-inner\" style=\"\">\t\t\t\t\t\t<header class=\"wp-show-posts-entry-header\">\n\t\t\t\t\t\t\t<h2 class=\"wp-show-posts-entry-title\" itemprop=\"headline\"><a href=\"https:\/\/sciesc.com.mx\/en\/hola-mundo\/\" rel=\"bookmark\">Beneficios de elaborar un mapa de procesos en tu empresa<\/a><\/h2>\t\t\t\t\t\t<\/header><!-- .entry-header -->\n\t\t\t\t\t\t\t<div class=\"wp-show-posts-image  wpsp-image-center\">\n\t\t\t<a href=\"https:\/\/sciesc.com.mx\/en\/hola-mundo\/\"  title=\"Beneficios de elaborar un mapa de procesos en tu empresa\"><img loading=\"lazy\" decoding=\"async\" width=\"2500\" height=\"1705\" src=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/alarm-clock-calendar-close-up-908298.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" itemprop=\"image\" srcset=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/alarm-clock-calendar-close-up-908298.jpg 2500w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/alarm-clock-calendar-close-up-908298-600x409.jpg 600w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/alarm-clock-calendar-close-up-908298-300x205.jpg 300w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/alarm-clock-calendar-close-up-908298-768x524.jpg 768w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/alarm-clock-calendar-close-up-908298-1024x698.jpg 1024w\" sizes=\"(max-width: 2500px) 100vw, 2500px\" \/><\/a>\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"wp-show-posts-entry-summary\" itemprop=\"text\">\n\t\t\t\t\t\t\t<p>Definir los procesos que ocurren en tu negocio no es un error en s\u00ed mismo, claro que no. Es un paso necesario para poder mirar con detalle las acciones que&#8230;<\/p>\n\t\t\t\t\t\t<\/div><!-- .entry-summary -->\n\t\t\t\t\t<div class=\"wpsp-read-more\"><a title=\"Beneficios de elaborar un mapa de procesos en tu empresa\" class=\"wp-show-posts-read-more\" href=\"https:\/\/sciesc.com.mx\/en\/hola-mundo\/\">Leer m\u00e1s<\/a><\/div><\/div><!-- wp-show-posts-inner --><\/article><div class=\"wpsp-clear\"><\/div><\/section><!-- .wp-show-posts --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2723c88 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2723c88\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-712994a\" data-id=\"712994a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6aba029 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"6aba029\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/www.banxico.org.mx\/CAT\/Calculo_CAT.jsp?\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1280\" src=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/bank-banking-close-up-1020313.jpg\" class=\"attachment-full size-full wp-image-357\" alt=\"\" srcset=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/bank-banking-close-up-1020313.jpg 1920w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/bank-banking-close-up-1020313-600x400.jpg 600w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/bank-banking-close-up-1020313-300x200.jpg 300w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/bank-banking-close-up-1020313-768x512.jpg 768w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/bank-banking-close-up-1020313-1024x683.jpg 1024w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/bank-banking-close-up-1020313-377x251.jpg 377w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/www.banxico.org.mx\/CAT\/Calculo_CAT.jsp?\"><b style=\"color: rgb(51, 51, 51); font-family: Arial; font-size: 18px; white-space-collapse: collapse;\">CALCULADORA DEL COSTO ANUAL TOTAL (CAT)<\/b><\/a><\/h3><p class=\"elementor-image-box-description\">Esta calculadora le permite obtener el CAT para cr\u00e9ditos con pagos fijos o variables, entre otros:\n\npersonales,\nautomotrices,\nhipotecarios,\nde n\u00f3mina,\npara adquisici\u00f3n de bienes,\nde empe\u00f1o,\nde capital de trabajo.\nCon alguna de las siguientes periodicidades: semanal, quincenal, mensual, bimestral, trimestral, cuatrimestral, semestral, anual y con un solo pago al vencimiento.\n\nNo se recomienda usar la calculadora para obtener el CAT de cr\u00e9ditos revolventes (tarjeta de cr\u00e9dito) pues se requieren supuestos especiales no considerados por esta herramienta. Para estos cr\u00e9ditos se recomienda utilizar la calculadora de Tarjeta de cr\u00e9dito.\n\nEl CAT se calcula con base en lo que usted recibe y paga por el cr\u00e9dito.\n\nUsted recibe el monto o principal del cr\u00e9dito en una o varias partes (disposiciones).\nUsted paga por el cr\u00e9dito, el principal o monto del cr\u00e9dito, los intereses, el IVA, las comisiones, gastos y seguros, en su caso; los cuales pueden realizarse en un solo pago al vencimiento o en varios pagos peri\u00f3dicos, al inicio o en cualquier momento durante la vigencia del cr\u00e9dito.\nVerifique si los pagos que ingresar\u00e1 para determinar el CAT incluyen IVA debido a que a partir del 17 de noviembre de 2009 el CAT debe calcularse sin considerar el IVA de comisiones ni de intereses. Si el usuario ingresa montos de pago con IVA, el CAT resultante incluir\u00e1 el impuesto.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96758c2 elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"96758c2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.banxico.org.mx\/CAT\/Calculo_CAT.jsp?\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Haz clic aqu\u00ed<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ab47b80 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ab47b80\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5072b76\" data-id=\"5072b76\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a9f6393 elementor-widget elementor-widget-heading\" data-id=\"a9f6393\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-family: sans-serif;font-size: 17.6px;text-align: -webkit-center\">Calculadora de la Ganancia Anual Total (GAT)<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-83de10f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"83de10f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e858f81\" data-id=\"e858f81\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fad7733 elementor-widget elementor-widget-image\" data-id=\"fad7733\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/adult-audience-back-view-1493371-1024x683.jpg\" class=\"attachment-large size-large wp-image-329\" alt=\"\" srcset=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/adult-audience-back-view-1493371-1024x683.jpg 1024w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/adult-audience-back-view-1493371-600x400.jpg 600w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/adult-audience-back-view-1493371-300x200.jpg 300w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/adult-audience-back-view-1493371-768x512.jpg 768w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/adult-audience-back-view-1493371-377x251.jpg 377w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/adult-audience-back-view-1493371.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-12ec9d2\" data-id=\"12ec9d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63c77fb elementor-widget elementor-widget-text-editor\" data-id=\"63c77fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><p class=\"text_1 justificar\" align=\"left\">La\u00a0<b>GAT<\/b>\u00a0es un indicador del rendimiento total que ofrece un intermediario por los recursos depositados o invertidos a un plazo determinado, considerando la tasa de inter\u00e9s y cualquier costo que se exija al cliente para obtener los rendimientos ofrecidos. Se expresa en t\u00e9rminos porcentuales tanto nominales como reales.<\/p><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-86e6270 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"86e6270\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.banxico.org.mx\/waGAT\/calculadora\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Haz clic aqu\u00ed<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f62b2c2\" data-id=\"f62b2c2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-513f7a9 elementor-widget elementor-widget-heading\" data-id=\"513f7a9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Calculadora del Costo Anual Total (CAT), para l\u00edneas de cr\u00e9dito revolvente o asociadas a tarjetas de cr\u00e9dito.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c042cdb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c042cdb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b3253e0\" data-id=\"b3253e0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e14ef44 elementor-widget elementor-widget-image\" data-id=\"e14ef44\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"749\" src=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/america-analysis-cellphone-926987-1024x749.jpg\" class=\"attachment-large size-large wp-image-483\" alt=\"\" srcset=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/america-analysis-cellphone-926987-1024x749.jpg 1024w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/america-analysis-cellphone-926987-600x439.jpg 600w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/america-analysis-cellphone-926987-300x219.jpg 300w, https:\/\/sciesc.com.mx\/wp-content\/uploads\/2019\/06\/america-analysis-cellphone-926987-768x562.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bd10421\" data-id=\"bd10421\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c5b4d2 elementor-widget elementor-widget-text-editor\" data-id=\"5c5b4d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Con fundamento en el Art\u00edculo 4 Bis 2 de la Ley para la Transparencia y Ordenamiento de los Servicios Financieros, el Banco de M\u00e9xico y la Condusef ponen a su disposici\u00f3n informaci\u00f3n que facilita la comparaci\u00f3n de costos de tarjetas de cr\u00e9dito. La informaci\u00f3n comparativa se calcula con informaci\u00f3n reportada por las instituciones financieras se considera los datos reportados en 2023.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b0e07b elementor-align-center elementor-widget elementor-widget-button\" data-id=\"9b0e07b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.banxico.org.mx\/CATWebTarjetas\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Haz clic aqu\u00ed<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b00e326 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b00e326\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-861f6a3\" data-id=\"861f6a3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e7c8d1e elementor-button-info elementor-align-center elementor-widget elementor-widget-button\" data-id=\"e7c8d1e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/sciesc.com.mx\/wp-content\/uploads\/2023\/10\/ABC-FINANCIERO.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">ABC Financiero<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c3deab6\" data-id=\"c3deab6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-42434c6 elementor-widget elementor-widget-heading\" data-id=\"42434c6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-xl\">Consulta la informaci\u00f3n y Gu\u00eda Financiera<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>CALCULADORA DEL COSTO ANUAL TOTAL (CAT) Esta calculadora le permite obtener el CAT para cr\u00e9ditos con pagos fijos o variables, entre otros: personales, automotrices, hipotecarios, de n\u00f3mina, para adquisici\u00f3n de bienes, de empe\u00f1o, de capital de trabajo. Con alguna de las siguientes periodicidades: semanal, quincenal, mensual, bimestral, trimestral, cuatrimestral, semestral, anual y con un solo [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-457","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/sciesc.com.mx\/en\/wp-json\/wp\/v2\/pages\/457","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sciesc.com.mx\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sciesc.com.mx\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sciesc.com.mx\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sciesc.com.mx\/en\/wp-json\/wp\/v2\/comments?post=457"}],"version-history":[{"count":30,"href":"https:\/\/sciesc.com.mx\/en\/wp-json\/wp\/v2\/pages\/457\/revisions"}],"predecessor-version":[{"id":956,"href":"https:\/\/sciesc.com.mx\/en\/wp-json\/wp\/v2\/pages\/457\/revisions\/956"}],"wp:attachment":[{"href":"https:\/\/sciesc.com.mx\/en\/wp-json\/wp\/v2\/media?parent=457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}