{"id":250965,"date":"2023-03-29T17:40:18","date_gmt":"2023-03-29T23:40:18","guid":{"rendered":"https:\/\/runahr.com\/?p=250965"},"modified":"2026-02-13T14:58:54","modified_gmt":"2026-02-13T20:58:54","slug":"que-es-el-cat","status":"publish","type":"post","link":"https:\/\/runahr.com\/mx\/recursos\/comienza-tu-empresa\/que-es-el-cat\/","title":{"rendered":"CAT: \u00bfQu\u00e9 es? y \u00bfPara qu\u00e9 sirve?"},"content":{"rendered":"<p><span>Si tienes una tarjeta de cr\u00e9dito o has adquirido alguna casa o auto con pagos de hipoteca, seguramente has escuchado hablar del CAT, pero tal vez no sepas qu\u00e9 significan estas siglas y cu\u00e1l es su importancia para tu cr\u00e9dito.<\/span><\/p>\n<p><span>Hablemos de este indicador y de la forma en que puede impactar tu vida financiera y el modo en que administras tus cr\u00e9ditos.<\/span><\/p>\n<p><a href=\"https:\/\/runahr.com\/mx\/recursos\/aspectos-legales\/que-es-condusef\/\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone  wp-image-1092646\" src=\"https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX207-300x119.webp\" alt=\"Ver ahora Tip: \u00bfQu\u00e9 es la CONDUSEF?\" width=\"913\" height=\"362\" srcset=\"https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX207-300x119.webp 300w, https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX207-1024x405.webp 1024w, https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX207-768x304.webp 768w, https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX207-1536x607.webp 1536w, https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX207-2048x809.webp 2048w\" sizes=\"(max-width: 913px) 100vw, 913px\" \/><\/a><\/p>\n<h2><span>\u00bfQu\u00e9 es el CAT y para qu\u00e9 sirve?<\/span><\/h2>\n<p><span>El Costo Anual Total, conocido popularmente como CAT, es un indicador dise\u00f1ado para informar a los clientes sobre el costo total que tendr\u00e1 el financiamiento de un cr\u00e9dito para ellos, incluyendo los intereses generados y las dem\u00e1s tasas que deber\u00e1 cubrir por cada a\u00f1o.<\/span><\/p>\n<p><span>Este indicador porcentual incluye los siguientes valores:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span>Cuota inicial.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span>Comisiones de apertura y mantenimiento.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span>Pago por servicios financieros.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span>Tasa de inter\u00e9s anual.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span>Primas de seguro incluidas (cuando aplique).<\/span><\/li>\n<\/ul>\n<p><span>A trav\u00e9s del CAT, los clientes pueden evaluar qu\u00e9 opci\u00f3n de cr\u00e9dito les conviene m\u00e1s y cu\u00e1les ser\u00e1n los gastos totales derivados de un cr\u00e9dito.<\/span><\/p>\n<p><a href=\"https:\/\/recursos.runahr.com\/guia-para-emprender-desde-cero-como-pyme\"><img decoding=\"async\" class=\"alignnone  wp-image-1093705\" src=\"https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX056-1-300x119.webp\" alt=\"Descargar Gu\u00eda para emprender desde cero como PYME\" width=\"915\" height=\"363\" srcset=\"https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX056-1-300x119.webp 300w, https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX056-1-1024x405.webp 1024w, https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX056-1-768x304.webp 768w, https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX056-1-1536x607.webp 1536w\" sizes=\"(max-width: 915px) 100vw, 915px\" \/><\/a><\/p>\n<h2><span>\u00bfEn qu\u00e9 cr\u00e9ditos aplica el CAT?<\/span><\/h2>\n<p><span>El CAT aplica pr\u00e1cticamente para todos los cr\u00e9ditos, pr\u00e9stamos y financiamientos otorgados por instituciones financieras, como son los bancos. Esta tasa debe informarse a los beneficiarios de todo tipo de cr\u00e9ditos, ya sean empresariales o personales.\u00a0<\/span><\/p>\n<p><span>Los productos m\u00e1s comunes que deben estar acompa\u00f1ados de informaci\u00f3n sobre el Costo Anual Total son las tarjetas de cr\u00e9dito, los pr\u00e9stamos en efectivo, los cr\u00e9ditos hipotecarios y los planes de pago para la adquisici\u00f3n de autom\u00f3viles y otras mercanc\u00edas.<\/span><\/p>\n<p><span>En el plano empresarial, los <\/span><a href=\"https:\/\/runahr.com\/mx\/comienza-tu-empresa\/son-seguros-los-creditos-online-para-pymes\/\"><span>cr\u00e9ditos para PyMes<\/span><\/a><span> de capital de trabajo o para arrancar un negocio tambi\u00e9n deben ir acompa\u00f1ados de un CAT. As\u00ed podr\u00e1s saber cu\u00e1l es la opci\u00f3n indicada para ti.\u00a0<\/span><\/p>\n<h2><span>\u00bfC\u00f3mo se calcula el CAT?<\/span><\/h2>\n<p><span>El c\u00e1lculo del CAT debe realizarse de acuerdo con las disposiciones oficiales del Banco de M\u00e9xico. En su <\/span><a href=\"https:\/\/www.banxico.org.mx\/marco-normativo\/normativa-emitida-por-el-banco-de-mexico\/circular-21-2009\/%7B29285862-EDE0-567A-BAFB-D261406641A3%7D.pdf\"><span>Circular 21 \/ 2009<\/span><\/a><span>, la instituci\u00f3n estableci\u00f3 una f\u00f3rmula para estimar el Costo Anual Total de cada producto financiero de cr\u00e9dito. Esta f\u00f3rmula requiere llevar a cabo la sumatoria de todas las disposiciones del cr\u00e9dito divididas entre el n\u00famero i m\u00e1s 1 elevado por el intervalo de tiempo entre el inicio y el fin del cr\u00e9dito.<\/span><\/p>\n<p><span>Debido a que este c\u00e1lculo puede ser complicado de realizar, el Banco de M\u00e9xico ha puesto a disposici\u00f3n del p\u00fablico una herramienta para calcular el CAT de cualquier cr\u00e9dito. \u00danicamente deber\u00e1s ingresar los siguientes valores en su calculadora y obtener tu resultado:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span>Monto del cr\u00e9dito.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span>Pagos peri\u00f3dicos a cubrir.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span>Pago de cargos adicionales.<\/span><\/li>\n<\/ul>\n<p><span>Un punto importante a mencionar es que el CAT no incluye las tasas de impuesto aplicables. Por ello, si la entidad financiera que te ha cedido el cr\u00e9dito incluye este valor en sus tasas de pago, deber\u00e1s descontarlas antes de hacer el c\u00e1lculo.<\/span><\/p>\n<p><a href=\"https:\/\/runahr.com\/mx\/recursos\/comienza-tu-empresa\/salud-mental-y-bienestar-de-los-emprendedores-en-mexico\/\"><img decoding=\"async\" class=\"alignnone  wp-image-1093464\" src=\"https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX307-300x119.webp\" alt=\"Ver ahora Webinar: La salud mental y bienestar de los emprendedores\" width=\"913\" height=\"362\" srcset=\"https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX307-300x119.webp 300w, https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX307-1024x405.webp 1024w, https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX307-768x304.webp 768w, https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX307-1536x607.webp 1536w, https:\/\/runahr.com\/wp-content\/uploads\/2026\/01\/CMX307-2048x809.webp 2048w\" sizes=\"(max-width: 913px) 100vw, 913px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si tienes una tarjeta de cr\u00e9dito o has adquirido alguna casa o auto con pagos de hipoteca, seguramente has escuchado hablar del CAT, pero tal vez no sepas qu\u00e9 significan estas siglas y cu\u00e1l es su importancia para tu cr\u00e9dito. Hablemos de este indicador y de la forma en que puede impactar tu vida financiera [&hellip;]<\/p>\n","protected":false},"author":87,"featured_media":286680,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_wp_applaud_exclude":false,"footnotes":""},"categories":[265,190],"tags":[1297,836],"class_list":["post-250965","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-comienza-tu-empresa","category-recursos","tag-articulo","tag-comienza-tu-empresa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.1 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>CAT: \u00bfQu\u00e9 es? y \u00bfPara qu\u00e9 sirve? | Runa HR<\/title>\n<meta name=\"description\" content=\"Si tienes una tarjeta de cr\u00e9dito seguramente has escuchado hablar del CAT, pero tal vez no sepas cu\u00e1l es su importancia para tu cr\u00e9dito.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/runahr.com\/mx\/recursos\/comienza-tu-empresa\/que-es-el-cat\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CAT: \u00bfQu\u00e9 es? 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