Cauce does not judge whether the offer is a good deal, does not compare lenders and does not assess the applicant. It checks one single thing in one single oferta vinculante (binding offer, art. 6 LTFCCG): that the CAT as stated is coherent with the mandatory fees and insurance that the offer itself lists. The legal qualification belongs to the lender and the supervisor.
ILLUSTRATIVE EXAMPLE · sample data · not a real offerEl CAT (Costo Anual Total, Mexico’s all-in annual cost figure) adds, on top of the ordinary rate, the fees and the premiums of the mandatory insurance. By construction, the margin CAT − ordinary rate has to be enough, at minimum, to cover the annual cost of those fees and insurance that the offer itself lists. If it is not enough, the CAT as stated cannot have incorporated them: it is a disclosure inconsistency, not a judgement about the offer.
MX-B3 is the cheapest and most defensible check in the set: it uses no external data, no quotes and not a single personal attribute of the applicant — only the internal coherence of one document, from one lender, in one context. The result is never «misleading offer»: it is disclosure inconsistency detected, with its magnitude, for human review by the lender.
Framework: the oferta vinculante (binding offer) and its mandatory content — art. 6 LTFCCG; CAT methodology — art. 8 LTOSF and the Banxico Disposiciones. The figures and the offer on this screen are synthetic and do not constitute advice.