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CAT without IVA of 12.31% calculated as of July 1, 2022. It is based on average home value of 4 million pesos, fixed annual weighted average interest rate of 10.45%, for a term of 20 years, with 80% financing and represents the total annual cost of financing expressed in annual percentage terms including all the average guaranteed costs (mortgage). Including life and damage insurance, origination fee, administration and interest, excluding federal and local taxes and duties, as well as the costs corresponding to procedures and services provided by third parties. For informational and comparison purposes only.