Tarea 3: Continuación del caso Stedman Place

Luego de resolver el caso Harvard Stedman Place, suponga las siguientes afirmaciones para construir un
complementario:

1 Beth y Jon ya no planean quedarse en Boston por 5 años, sino por un horizonte total de 10 años.

2 Efectivamente el casero lleva a cabo los incrementos de alquiler según lo señalado en el caso para todo e
tiempo analizado.

Sus ahorros no estaban desde un principio en bonos, sino en fondos mutuos que rendían en promedio 9%
3
impuestos

En 2008, por la crisis, el precio de las casas cayó un 35% respecto al precio de 2007, y luego de ello emp
4
mismo ritmo que estaba calculado desde un inicio antes de que ocurriera la crisis

La tasa de interés aplicable al préstamo para los segundos 5 años de estadía de Beth y Jon sería de aprox
5
efectiva anual. Considere que durante estos segundos 5 años sí habría amortización además de pago de i

Construya el cronograma de pagos aplicable para el préstamo (hasta su vencimiento, sin importar que la
cancelarlo antes) y proponga la nueva situación de flujo de caja. ¿Conviene que la pareja compre la casa
uación del caso Stedman Place

onga las siguientes afirmaciones para construir un flujo de caja

s, sino por un horizonte total de 10 años.

e alquiler según lo señalado en el caso para todo el horizonte de

no en fondos mutuos que rendían en promedio 9% anual antes de

% respecto al precio de 2007, y luego de ello empezaron a subir al

s de que ocurriera la crisis

os 5 años de estadía de Beth y Jon sería de aproximadamente 7.5%

años sí habría amortización además de pago de intereses.

éstamo (hasta su vencimiento, sin importar que la pareja vaya a

o de caja. ¿Conviene que la pareja compre la casa?
 Cronograma de Pagos

PRESTAMO $ 480,000.00 A PARTIR DE LA 61 CUOTA

TEA 6% TEA 7.50%
TEM 0.4868% TEM 0.60%

PORTES Y 0
GAST 0

Periodos Saldo Inicial Interes Amortización Cuota

0
1 480,000.00 2,336.42 S/ 0.00
2 480,000.00 2,336.42 S/ 0.00
3 480,000.00 2,336.42 S/ 0.00
4 480,000.00 2,336.42 S/ 0.00
5 480,000.00 2,336.42 S/ 0.00
6 480,000.00 2,336.42 S/ 0.00
7 480,000.00 2,336.42 S/ 0.00
8 480,000.00 2,336.42 S/ 0.00
9 480,000.00 2,336.42 S/ 0.00
10 480,000.00 2,336.42 S/ 0.00
11 480,000.00 2,336.42 S/ 0.00
12 480,000.00 2,336.42 S/ 0.00
13 480,000.00 2,336.42 S/ 0.00
14 480,000.00 2,336.42 S/ 0.00
15 480,000.00 2,336.42 S/ 0.00
16 480,000.00 2,336.42 S/ 0.00
17 480,000.00 2,336.42 S/ 0.00
18 480,000.00 2,336.42 S/ 0.00
19 480,000.00 2,336.42 S/ 0.00
20 480,000.00 2,336.42 S/ 0.00
21 480,000.00 2,336.42 S/ 0.00
22 480,000.00 2,336.42 S/ 0.00
23 480,000.00 2,336.42 S/ 0.00
24 480,000.00 2,336.42 S/ 0.00
25 480,000.00 2,336.42 S/ 0.00
26 480,000.00 2,336.42 S/ 0.00
27 480,000.00 2,336.42 S/ 0.00
28 480,000.00 2,336.42 S/ 0.00
29 480,000.00 2,336.42 S/ 0.00
30 480,000.00 2,336.42 S/ 0.00
31 480,000.00 2,336.42 S/ 0.00
32 480,000.00 2,336.42 S/ 0.00
33 480,000.00 2,336.42 S/ 0.00
34 480,000.00 2,336.42 S/ 0.00
35 480,000.00 2,336.42 S/ 0.00
36 480,000.00 2,336.42 S/ 0.00
37 480,000.00 2,336.42 S/ 0.00
38 480,000.00 2,336.42 S/ 0.00
39 480,000.00 2,336.42 S/ 0.00
40 480,000.00 2,336.42 S/ 0.00
41 480,000.00 2,336.42 S/ 0.00
42 480,000.00 2,336.42 S/ 0.00
43 480,000.00 2,336.42 S/ 0.00
44 480,000.00 2,336.42 S/ 0.00
45 480,000.00 2,336.42 S/ 0.00
46 480,000.00 2,336.42 S/ 0.00
47 480,000.00 2,336.42 S/ 0.00
48 480,000.00 2,336.42 S/ 0.00
49 480,000.00 2,336.42 S/ 0.00
50 480,000.00 2,336.42 S/ 0.00
51 480,000.00 2,336.42 S/ 0.00
52 480,000.00 2,336.42 S/ 0.00
53 480,000.00 2,336.42 S/ 0.00
54 480,000.00 2,336.42 S/ 0.00
55 480,000.00 2,336.42 S/ 0.00
56 480,000.00 2,336.42 S/ 0.00
57 480,000.00 2,336.42 S/ 0.00
58 480,000.00 2,336.42 S/ 0.00
59 480,000.00 2,336.42 S/ 0.00
60 480,000.00 2,336.42 S/ 0.00
61 S/ 480,000.00 -2,901.56 S/ -569.12 S/ -3,470.68
62 S/ 479,430.88 -2,898.12 S/ -572.56 S/ -3,470.68
63 S/ 478,858.32 -2,894.66 S/ -576.02 S/ -3,470.68
64 S/ 478,282.30 -2,891.18 S/ -579.50 S/ -3,470.68
65 S/ 477,702.80 -2,887.67 S/ -583.01 S/ -3,470.68
66 S/ 477,119.79 -2,884.15 S/ -586.53 S/ -3,470.68
67 S/ 476,533.26 -2,880.60 S/ -590.07 S/ -3,470.68
68 S/ 475,943.19 -2,877.04 S/ -593.64 S/ -3,470.68
69 S/ 475,349.55 -2,873.45 S/ -597.23 S/ -3,470.68
70 S/ 474,752.32 -2,869.84 S/ -600.84 S/ -3,470.68
71 S/ 474,151.48 -2,866.21 S/ -604.47 S/ -3,470.68
72 S/ 473,547.00 -2,862.55 S/ -608.13 S/ -3,470.68
73 S/ 472,938.88 -2,858.88 S/ -611.80 S/ -3,470.68
74 S/ 472,327.07 -2,855.18 S/ -615.50 S/ -3,470.68
75 S/ 471,711.57 -2,851.46 S/ -619.22 S/ -3,470.68
76 S/ 471,092.35 -2,847.72 S/ -622.96 S/ -3,470.68
77 S/ 470,469.39 -2,843.95 S/ -626.73 S/ -3,470.68
 78 S/ 469,842.66 -2,840.16 S/ -630.52 S/ -3,470.68
79 S/ 469,212.14 -2,836.35 S/ -634.33 S/ -3,470.68
80 S/ 468,577.81 -2,832.51 S/ -638.17 S/ -3,470.68
81 S/ 467,939.64 -2,828.66 S/ -642.02 S/ -3,470.68
82 S/ 467,297.62 -2,824.78 S/ -645.90 S/ -3,470.68
83 S/ 466,651.72 -2,820.87 S/ -649.81 S/ -3,470.68
84 S/ 466,001.91 -2,816.94 S/ -653.74 S/ -3,470.68
85 S/ 465,348.17 -2,812.99 S/ -657.69 S/ -3,470.68
86 S/ 464,690.48 -2,809.02 S/ -661.66 S/ -3,470.68
87 S/ 464,028.82 -2,805.02 S/ -665.66 S/ -3,470.68
88 S/ 463,363.16 -2,800.99 S/ -669.69 S/ -3,470.68
89 S/ 462,693.47 -2,796.94 S/ -673.74 S/ -3,470.68
90 S/ 462,019.73 -2,792.87 S/ -677.81 S/ -3,470.68
91 S/ 461,341.93 -2,788.77 S/ -681.91 S/ -3,470.68
92 S/ 460,660.02 -2,784.65 S/ -686.03 S/ -3,470.68
93 S/ 459,973.99 -2,780.51 S/ -690.17 S/ -3,470.68
94 S/ 459,283.82 -2,776.33 S/ -694.35 S/ -3,470.68
95 S/ 458,589.47 -2,772.14 S/ -698.54 S/ -3,470.68
96 S/ 457,890.93 -2,767.91 S/ -702.77 S/ -3,470.68
97 S/ 457,188.16 -2,763.67 S/ -707.01 S/ -3,470.68
98 S/ 456,481.15 -2,759.39 S/ -711.29 S/ -3,470.68
99 S/ 455,769.86 -2,755.09 S/ -715.59 S/ -3,470.68
100 S/ 455,054.27 -2,750.77 S/ -719.91 S/ -3,470.68
101 S/ 454,334.36 -2,746.41 S/ -724.27 S/ -3,470.68
102 S/ 453,610.09 -2,742.04 S/ -728.64 S/ -3,470.68
103 S/ 452,881.45 -2,737.63 S/ -733.05 S/ -3,470.68
104 S/ 452,148.40 -2,733.20 S/ -737.48 S/ -3,470.68
105 S/ 451,410.92 -2,728.74 S/ -741.94 S/ -3,470.68
106 S/ 450,668.98 -2,724.26 S/ -746.42 S/ -3,470.68
107 S/ 449,922.56 -2,719.75 S/ -750.93 S/ -3,470.68
108 S/ 449,171.63 -2,715.21 S/ -755.47 S/ -3,470.68
109 S/ 448,416.15 -2,710.64 S/ -760.04 S/ -3,470.68
110 S/ 447,656.11 -2,706.04 S/ -764.64 S/ -3,470.68
111 S/ 446,891.48 -2,701.42 S/ -769.26 S/ -3,470.68
112 S/ 446,122.22 -2,696.77 S/ -773.91 S/ -3,470.68
113 S/ 445,348.31 -2,692.09 S/ -778.59 S/ -3,470.68
114 S/ 444,569.73 -2,687.39 S/ -783.29 S/ -3,470.68
115 S/ 443,786.43 -2,682.65 S/ -788.03 S/ -3,470.68
116 S/ 442,998.41 -2,677.89 S/ -792.79 S/ -3,470.68
117 S/ 442,205.62 -2,673.10 S/ -797.58 S/ -3,470.68
118 S/ 441,408.03 -2,668.28 S/ -802.40 S/ -3,470.68
119 S/ 440,605.63 -2,663.43 S/ -807.25 S/ -3,470.68
120 S/ 439,798.37 -2,658.55 S/ -812.13 S/ -3,470.68
121 S/ 438,986.24 -2,653.64 S/ -817.04 S/ -3,470.68
122 S/ 438,169.20 -2,648.70 S/ -821.98 S/ -3,470.68
123 S/ 437,347.21 -2,643.73 S/ -826.95 S/ -3,470.68
124 S/ 436,520.26 -2,638.73 S/ -831.95 S/ -3,470.68
125 S/ 435,688.31 -2,633.70 S/ -836.98 S/ -3,470.68
126 S/ 434,851.33 -2,628.64 S/ -842.04 S/ -3,470.68
127 S/ 434,009.29 -2,623.55 S/ -847.13 S/ -3,470.68
128 S/ 433,162.16 -2,618.43 S/ -852.25 S/ -3,470.68
129 S/ 432,309.91 -2,613.28 S/ -857.40 S/ -3,470.68
130 S/ 431,452.51 -2,608.10 S/ -862.58 S/ -3,470.68
131 S/ 430,589.93 -2,602.88 S/ -867.80 S/ -3,470.68
132 S/ 429,722.13 -2,597.64 S/ -873.04 S/ -3,470.68
133 S/ 428,849.09 -2,592.36 S/ -878.32 S/ -3,470.68
134 S/ 427,970.76 -2,587.05 S/ -883.63 S/ -3,470.68
135 S/ 427,087.13 -2,581.71 S/ -888.97 S/ -3,470.68
136 S/ 426,198.16 -2,576.33 S/ -894.35 S/ -3,470.68
137 S/ 425,303.81 -2,570.93 S/ -899.75 S/ -3,470.68
138 S/ 424,404.06 -2,565.49 S/ -905.19 S/ -3,470.68
139 S/ 423,498.87 -2,560.02 S/ -910.66 S/ -3,470.68
140 S/ 422,588.20 -2,554.51 S/ -916.17 S/ -3,470.68
141 S/ 421,672.04 -2,548.97 S/ -921.71 S/ -3,470.68
142 S/ 420,750.33 -2,543.40 S/ -927.28 S/ -3,470.68
143 S/ 419,823.05 -2,537.80 S/ -932.88 S/ -3,470.68
144 S/ 418,890.17 -2,532.16 S/ -938.52 S/ -3,470.68
145 S/ 417,951.64 -2,526.48 S/ -944.20 S/ -3,470.68
146 S/ 417,007.45 -2,520.78 S/ -949.90 S/ -3,470.68
147 S/ 416,057.54 -2,515.03 S/ -955.65 S/ -3,470.68
148 S/ 415,101.90 -2,509.26 S/ -961.42 S/ -3,470.68
149 S/ 414,140.48 -2,503.45 S/ -967.23 S/ -3,470.68
150 S/ 413,173.24 -2,497.60 S/ -973.08 S/ -3,470.68
151 S/ 412,200.16 -2,491.72 S/ -978.96 S/ -3,470.68
152 S/ 411,221.20 -2,485.80 S/ -984.88 S/ -3,470.68
153 S/ 410,236.32 -2,479.85 S/ -990.83 S/ -3,470.68
154 S/ 409,245.48 -2,473.86 S/ -996.82 S/ -3,470.68
155 S/ 408,248.66 -2,467.83 S/ -1,002.85 S/ -3,470.68
156 S/ 407,245.81 -2,461.77 S/ -1,008.91 S/ -3,470.68
157 S/ 406,236.90 -2,455.67 S/ -1,015.01 S/ -3,470.68
158 S/ 405,221.88 -2,449.53 S/ -1,021.15 S/ -3,470.68
159 S/ 404,200.74 -2,443.36 S/ -1,027.32 S/ -3,470.68
160 S/ 403,173.42 -2,437.15 S/ -1,033.53 S/ -3,470.68
161 S/ 402,139.89 -2,430.90 S/ -1,039.78 S/ -3,470.68
162 S/ 401,100.11 -2,424.62 S/ -1,046.06 S/ -3,470.68
163 S/ 400,054.05 -2,418.29 S/ -1,052.39 S/ -3,470.68
164 S/ 399,001.67 -2,411.93 S/ -1,058.75 S/ -3,470.68
165 S/ 397,942.92 -2,405.53 S/ -1,065.15 S/ -3,470.68
166 S/ 396,877.77 -2,399.09 S/ -1,071.59 S/ -3,470.68
167 S/ 395,806.18 -2,392.62 S/ -1,078.06 S/ -3,470.68
168 S/ 394,728.12 -2,386.10 S/ -1,084.58 S/ -3,470.68
169 S/ 393,643.54 -2,379.54 S/ -1,091.14 S/ -3,470.68
170 S/ 392,552.40 -2,372.95 S/ -1,097.73 S/ -3,470.68
171 S/ 391,454.67 -2,366.31 S/ -1,104.37 S/ -3,470.68
172 S/ 390,350.30 -2,359.64 S/ -1,111.04 S/ -3,470.68
173 S/ 389,239.26 -2,352.92 S/ -1,117.76 S/ -3,470.68
174 S/ 388,121.50 -2,346.16 S/ -1,124.52 S/ -3,470.68
175 S/ 386,996.98 -2,339.37 S/ -1,131.31 S/ -3,470.68
176 S/ 385,865.67 -2,332.53 S/ -1,138.15 S/ -3,470.68
177 S/ 384,727.51 -2,325.65 S/ -1,145.03 S/ -3,470.68
178 S/ 383,582.48 -2,318.73 S/ -1,151.95 S/ -3,470.68
179 S/ 382,430.53 -2,311.76 S/ -1,158.92 S/ -3,470.68
180 S/ 381,271.61 -2,304.76 S/ -1,165.92 S/ -3,470.68
181 S/ 380,105.68 -2,297.71 S/ -1,172.97 S/ -3,470.68
182 S/ 378,932.71 -2,290.62 S/ -1,180.06 S/ -3,470.68
183 S/ 377,752.65 -2,283.48 S/ -1,187.20 S/ -3,470.68
184 S/ 376,565.45 -2,276.31 S/ -1,194.37 S/ -3,470.68
185 S/ 375,371.08 -2,269.09 S/ -1,201.59 S/ -3,470.68
186 S/ 374,169.49 -2,261.82 S/ -1,208.86 S/ -3,470.68
187 S/ 372,960.63 -2,254.52 S/ -1,216.16 S/ -3,470.68
188 S/ 371,744.47 -2,247.17 S/ -1,223.51 S/ -3,470.68
189 S/ 370,520.96 -2,239.77 S/ -1,230.91 S/ -3,470.68
190 S/ 369,290.04 -2,232.33 S/ -1,238.35 S/ -3,470.68
191 S/ 368,051.69 -2,224.84 S/ -1,245.84 S/ -3,470.68
192 S/ 366,805.86 -2,217.31 S/ -1,253.37 S/ -3,470.68
193 S/ 365,552.49 -2,209.74 S/ -1,260.94 S/ -3,470.68
194 S/ 364,291.54 -2,202.11 S/ -1,268.57 S/ -3,470.68
195 S/ 363,022.98 -2,194.44 S/ -1,276.24 S/ -3,470.68
196 S/ 361,746.74 -2,186.73 S/ -1,283.95 S/ -3,470.68
197 S/ 360,462.79 -2,178.97 S/ -1,291.71 S/ -3,470.68
198 S/ 359,171.08 -2,171.16 S/ -1,299.52 S/ -3,470.68
199 S/ 357,871.56 -2,163.30 S/ -1,307.38 S/ -3,470.68
200 S/ 356,564.18 -2,155.40 S/ -1,315.28 S/ -3,470.68
201 S/ 355,248.90 -2,147.45 S/ -1,323.23 S/ -3,470.68
202 S/ 353,925.68 -2,139.45 S/ -1,331.23 S/ -3,470.68
203 S/ 352,594.45 -2,131.40 S/ -1,339.28 S/ -3,470.68
204 S/ 351,255.17 -2,123.31 S/ -1,347.37 S/ -3,470.68
205 S/ 349,907.80 -2,115.16 S/ -1,355.52 S/ -3,470.68
206 S/ 348,552.29 -2,106.97 S/ -1,363.71 S/ -3,470.68
207 S/ 347,188.58 -2,098.73 S/ -1,371.95 S/ -3,470.68
208 S/ 345,816.62 -2,090.43 S/ -1,380.25 S/ -3,470.68
209 S/ 344,436.38 -2,082.09 S/ -1,388.59 S/ -3,470.68
210 S/ 343,047.79 -2,073.70 S/ -1,396.98 S/ -3,470.68
211 S/ 341,650.80 -2,065.25 S/ -1,405.43 S/ -3,470.68
212 S/ 340,245.37 -2,056.76 S/ -1,413.92 S/ -3,470.68
213 S/ 338,831.45 -2,048.21 S/ -1,422.47 S/ -3,470.68
214 S/ 337,408.98 -2,039.61 S/ -1,431.07 S/ -3,470.68
215 S/ 335,977.91 -2,030.96 S/ -1,439.72 S/ -3,470.68
216 S/ 334,538.19 -2,022.26 S/ -1,448.42 S/ -3,470.68
217 S/ 333,089.76 -2,013.50 S/ -1,457.18 S/ -3,470.68
218 S/ 331,632.59 -2,004.69 S/ -1,465.99 S/ -3,470.68
219 S/ 330,166.60 -1,995.83 S/ -1,474.85 S/ -3,470.68
220 S/ 328,691.75 -1,986.91 S/ -1,483.76 S/ -3,470.68
221 S/ 327,207.98 -1,977.95 S/ -1,492.73 S/ -3,470.68
222 S/ 325,715.25 -1,968.92 S/ -1,501.76 S/ -3,470.68
223 S/ 324,213.49 -1,959.84 S/ -1,510.84 S/ -3,470.68
224 S/ 322,702.66 -1,950.71 S/ -1,519.97 S/ -3,470.68
225 S/ 321,182.69 -1,941.52 S/ -1,529.16 S/ -3,470.68
226 S/ 319,653.53 -1,932.28 S/ -1,538.40 S/ -3,470.68
227 S/ 318,115.13 -1,922.98 S/ -1,547.70 S/ -3,470.68
228 S/ 316,567.43 -1,913.62 S/ -1,557.06 S/ -3,470.68
229 S/ 315,010.37 -1,904.21 S/ -1,566.47 S/ -3,470.68
230 S/ 313,443.91 -1,894.74 S/ -1,575.94 S/ -3,470.68
231 S/ 311,867.97 -1,885.22 S/ -1,585.46 S/ -3,470.68
232 S/ 310,282.51 -1,875.63 S/ -1,595.05 S/ -3,470.68
233 S/ 308,687.46 -1,865.99 S/ -1,604.69 S/ -3,470.68
234 S/ 307,082.77 -1,856.29 S/ -1,614.39 S/ -3,470.68
235 S/ 305,468.38 -1,846.53 S/ -1,624.15 S/ -3,470.68
236 S/ 303,844.23 -1,836.71 S/ -1,633.97 S/ -3,470.68
237 S/ 302,210.27 -1,826.84 S/ -1,643.84 S/ -3,470.68
238 S/ 300,566.42 -1,816.90 S/ -1,653.78 S/ -3,470.68
239 S/ 298,912.64 -1,806.90 S/ -1,663.78 S/ -3,470.68
240 S/ 297,248.86 -1,796.85 S/ -1,673.83 S/ -3,470.68
241 S/ 295,575.03 -1,786.73 S/ -1,683.95 S/ -3,470.68
242 S/ 293,891.08 -1,776.55 S/ -1,694.13 S/ -3,470.68
243 S/ 292,196.95 -1,766.31 S/ -1,704.37 S/ -3,470.68
244 S/ 290,492.57 -1,756.00 S/ -1,714.68 S/ -3,470.68
245 S/ 288,777.90 -1,745.64 S/ -1,725.04 S/ -3,470.68
246 S/ 287,052.86 -1,735.21 S/ -1,735.47 S/ -3,470.68
247 S/ 285,317.39 -1,724.72 S/ -1,745.96 S/ -3,470.68
248 S/ 283,571.43 -1,714.17 S/ -1,756.51 S/ -3,470.68
249 S/ 281,814.91 -1,703.55 S/ -1,767.13 S/ -3,470.68
250 S/ 280,047.78 -1,692.87 S/ -1,777.81 S/ -3,470.68
251 S/ 278,269.97 -1,682.12 S/ -1,788.56 S/ -3,470.68
252 S/ 276,481.41 -1,671.31 S/ -1,799.37 S/ -3,470.68
253 S/ 274,682.04 -1,660.43 S/ -1,810.25 S/ -3,470.68
254 S/ 272,871.79 -1,649.49 S/ -1,821.19 S/ -3,470.68
255 S/ 271,050.59 -1,638.48 S/ -1,832.20 S/ -3,470.68
256 S/ 269,218.39 -1,627.40 S/ -1,843.28 S/ -3,470.68
257 S/ 267,375.12 -1,616.26 S/ -1,854.42 S/ -3,470.68
258 S/ 265,520.70 -1,605.05 S/ -1,865.63 S/ -3,470.68
259 S/ 263,655.07 -1,593.77 S/ -1,876.91 S/ -3,470.68
260 S/ 261,778.16 -1,582.43 S/ -1,888.25 S/ -3,470.68
261 S/ 259,889.91 -1,571.01 S/ -1,899.67 S/ -3,470.68
262 S/ 257,990.24 -1,559.53 S/ -1,911.15 S/ -3,470.68
263 S/ 256,079.09 -1,547.98 S/ -1,922.70 S/ -3,470.68
264 S/ 254,156.39 -1,536.35 S/ -1,934.33 S/ -3,470.68
265 S/ 252,222.07 -1,524.66 S/ -1,946.02 S/ -3,470.68
266 S/ 250,276.05 -1,512.90 S/ -1,957.78 S/ -3,470.68
267 S/ 248,318.27 -1,501.06 S/ -1,969.62 S/ -3,470.68
268 S/ 246,348.65 -1,489.16 S/ -1,981.52 S/ -3,470.68
269 S/ 244,367.13 -1,477.18 S/ -1,993.50 S/ -3,470.68
270 S/ 242,373.63 -1,465.13 S/ -2,005.55 S/ -3,470.68
271 S/ 240,368.08 -1,453.01 S/ -2,017.67 S/ -3,470.68
272 S/ 238,350.40 -1,440.81 S/ -2,029.87 S/ -3,470.68
273 S/ 236,320.53 -1,428.54 S/ -2,042.14 S/ -3,470.68
274 S/ 234,278.39 -1,416.19 S/ -2,054.49 S/ -3,470.68
275 S/ 232,223.90 -1,403.77 S/ -2,066.91 S/ -3,470.68
276 S/ 230,157.00 -1,391.28 S/ -2,079.40 S/ -3,470.68
277 S/ 228,077.60 -1,378.71 S/ -2,091.97 S/ -3,470.68
278 S/ 225,985.63 -1,366.06 S/ -2,104.62 S/ -3,470.68
279 S/ 223,881.01 -1,353.34 S/ -2,117.34 S/ -3,470.68
280 S/ 221,763.68 -1,340.54 S/ -2,130.14 S/ -3,470.68
281 S/ 219,633.54 -1,327.67 S/ -2,143.01 S/ -3,470.68
282 S/ 217,490.53 -1,314.71 S/ -2,155.97 S/ -3,470.68
283 S/ 215,334.56 -1,301.68 S/ -2,169.00 S/ -3,470.68
284 S/ 213,165.56 -1,288.57 S/ -2,182.11 S/ -3,470.68
285 S/ 210,983.45 -1,275.38 S/ -2,195.30 S/ -3,470.68
286 S/ 208,788.15 -1,262.11 S/ -2,208.57 S/ -3,470.68
287 S/ 206,579.57 -1,248.76 S/ -2,221.92 S/ -3,470.68
288 S/ 204,357.65 -1,235.33 S/ -2,235.35 S/ -3,470.68
289 S/ 202,122.30 -1,221.81 S/ -2,248.87 S/ -3,470.68
290 S/ 199,873.43 -1,208.22 S/ -2,262.46 S/ -3,470.68
291 S/ 197,610.97 -1,194.54 S/ -2,276.14 S/ -3,470.68
292 S/ 195,334.83 -1,180.78 S/ -2,289.90 S/ -3,470.68
293 S/ 193,044.93 -1,166.94 S/ -2,303.74 S/ -3,470.68
294 S/ 190,741.19 -1,153.02 S/ -2,317.66 S/ -3,470.68
295 S/ 188,423.53 -1,139.00 S/ -2,331.68 S/ -3,470.68
296 S/ 186,091.85 -1,124.91 S/ -2,345.77 S/ -3,470.68
297 S/ 183,746.08 -1,110.73 S/ -2,359.95 S/ -3,470.68
298 S/ 181,386.13 -1,096.46 S/ -2,374.22 S/ -3,470.68
299 S/ 179,011.92 -1,082.11 S/ -2,388.57 S/ -3,470.68
300 S/ 176,623.35 -1,067.67 S/ -2,403.01 S/ -3,470.68
301 S/ 174,220.34 -1,053.15 S/ -2,417.53 S/ -3,470.68
302 S/ 171,802.81 -1,038.53 S/ -2,432.15 S/ -3,470.68
303 S/ 169,370.67 -1,023.83 S/ -2,446.85 S/ -3,470.68
304 S/ 166,923.82 -1,009.04 S/ -2,461.64 S/ -3,470.68
305 S/ 164,462.18 -994.16 S/ -2,476.52 S/ -3,470.68
306 S/ 161,985.66 -979.19 S/ -2,491.49 S/ -3,470.68
307 S/ 159,494.17 -964.13 S/ -2,506.55 S/ -3,470.68
308 S/ 156,987.62 -948.98 S/ -2,521.70 S/ -3,470.68
309 S/ 154,465.92 -933.73 S/ -2,536.95 S/ -3,470.68
310 S/ 151,928.97 -918.40 S/ -2,552.28 S/ -3,470.68
311 S/ 149,376.69 -902.97 S/ -2,567.71 S/ -3,470.68
312 S/ 146,808.98 -887.45 S/ -2,583.23 S/ -3,470.68
313 S/ 144,225.75 -871.83 S/ -2,598.85 S/ -3,470.68
314 S/ 141,626.90 -856.12 S/ -2,614.56 S/ -3,470.68
315 S/ 139,012.34 -840.32 S/ -2,630.36 S/ -3,470.68
316 S/ 136,381.98 -824.42 S/ -2,646.26 S/ -3,470.68
317 S/ 133,735.72 -808.42 S/ -2,662.26 S/ -3,470.68
318 S/ 131,073.46 -792.33 S/ -2,678.35 S/ -3,470.68
319 S/ 128,395.11 -776.14 S/ -2,694.54 S/ -3,470.68
320 S/ 125,700.57 -759.85 S/ -2,710.83 S/ -3,470.68
321 S/ 122,989.74 -743.46 S/ -2,727.22 S/ -3,470.68
322 S/ 120,262.52 -726.98 S/ -2,743.70 S/ -3,470.68
323 S/ 117,518.82 -710.39 S/ -2,760.29 S/ -3,470.68
324 S/ 114,758.53 -693.71 S/ -2,776.97 S/ -3,470.68
325 S/ 111,981.56 -676.92 S/ -2,793.76 S/ -3,470.68
326 S/ 109,187.80 -660.03 S/ -2,810.65 S/ -3,470.68
327 S/ 106,377.15 -643.04 S/ -2,827.64 S/ -3,470.68
328 S/ 103,549.51 -625.95 S/ -2,844.73 S/ -3,470.68
329 S/ 100,704.78 -608.75 S/ -2,861.93 S/ -3,470.68
330 S/ 97,842.85 -591.45 S/ -2,879.23 S/ -3,470.68
331 S/ 94,963.62 -574.05 S/ -2,896.63 S/ -3,470.68
332 S/ 92,066.99 -556.54 S/ -2,914.14 S/ -3,470.68
333 S/ 89,152.85 -538.92 S/ -2,931.76 S/ -3,470.68
334 S/ 86,221.09 -521.20 S/ -2,949.48 S/ -3,470.68
335 S/ 83,271.61 -503.37 S/ -2,967.31 S/ -3,470.68
336 S/ 80,304.30 -485.43 S/ -2,985.25 S/ -3,470.68
337 S/ 77,319.05 -467.39 S/ -3,003.29 S/ -3,470.68
338 S/ 74,315.76 -449.23 S/ -3,021.45 S/ -3,470.68
339 S/ 71,294.31 -430.97 S/ -3,039.71 S/ -3,470.68
340 S/ 68,254.60 -412.59 S/ -3,058.09 S/ -3,470.68
341 S/ 65,196.51 -394.11 S/ -3,076.57 S/ -3,470.68
342 S/ 62,119.94 -375.51 S/ -3,095.17 S/ -3,470.68
343 S/ 59,024.77 -356.80 S/ -3,113.88 S/ -3,470.68
344 S/ 55,910.89 -337.98 S/ -3,132.70 S/ -3,470.68
345 S/ 52,778.19 -319.04 S/ -3,151.64 S/ -3,470.68
346 S/ 49,626.55 -299.99 S/ -3,170.69 S/ -3,470.68
347 S/ 46,455.86 -280.82 S/ -3,189.86 S/ -3,470.68
348 S/ 43,266.00 -261.54 S/ -3,209.14 S/ -3,470.68
349 S/ 40,056.86 -242.14 S/ -3,228.54 S/ -3,470.68
350 S/ 36,828.32 -222.62 S/ -3,248.06 S/ -3,470.68
351 S/ 33,580.26 -202.99 S/ -3,267.69 S/ -3,470.68
352 S/ 30,312.57 -183.24 S/ -3,287.44 S/ -3,470.68
353 S/ 27,025.13 -163.36 S/ -3,307.32 S/ -3,470.68
354 S/ 23,717.81 -143.37 S/ -3,327.31 S/ -3,470.68
355 S/ 20,390.51 -123.26 S/ -3,347.42 S/ -3,470.68
356 S/ 17,043.09 -103.02 S/ -3,367.66 S/ -3,470.68
357 S/ 13,675.43 -82.67 S/ -3,388.01 S/ -3,470.68
358 S/ 10,287.42 -62.19 S/ -3,408.49 S/ -3,470.68
359 S/ 6,878.92 -41.58 S/ -3,429.10 S/ -3,470.68
360 S/ 3,449.83 -20.85 S/ -3,449.83 S/ -3,470.68
de Pagos

Portes Saldo Final Flujo de Caja

480,000.00 480,000.00
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0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
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0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
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0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 480,000.00 S/ 0.00
0 S/ 479,430.88 S/ -3,470.68
0 S/ 478,858.32 S/ -3,470.68
0 S/ 478,282.30 S/ -3,470.68
0 S/ 477,702.80 S/ -3,470.68
0 S/ 477,119.79 S/ -3,470.68
0 S/ 476,533.26 S/ -3,470.68
0 S/ 475,943.19 S/ -3,470.68
0 S/ 475,349.55 S/ -3,470.68
0 S/ 474,752.32 S/ -3,470.68
0 S/ 474,151.48 S/ -3,470.68
0 S/ 473,547.00 S/ -3,470.68
0 S/ 472,938.88 S/ -3,470.68
0 S/ 472,327.07 S/ -3,470.68
0 S/ 471,711.57 S/ -3,470.68
0 S/ 471,092.35 S/ -3,470.68
0 S/ 470,469.39 S/ -3,470.68
0 S/ 469,842.66 S/ -3,470.68
0 S/ 469,212.14 S/ -3,470.68
0 S/ 468,577.81 S/ -3,470.68
0 S/ 467,939.64 S/ -3,470.68
0 S/ 467,297.62 S/ -3,470.68
0 S/ 466,651.72 S/ -3,470.68
0 S/ 466,001.91 S/ -3,470.68
0 S/ 465,348.17 S/ -3,470.68
0 S/ 464,690.48 S/ -3,470.68
0 S/ 464,028.82 S/ -3,470.68
0 S/ 463,363.16 S/ -3,470.68
0 S/ 462,693.47 S/ -3,470.68
0 S/ 462,019.73 S/ -3,470.68
0 S/ 461,341.93 S/ -3,470.68
0 S/ 460,660.02 S/ -3,470.68
0 S/ 459,973.99 S/ -3,470.68
0 S/ 459,283.82 S/ -3,470.68
0 S/ 458,589.47 S/ -3,470.68
0 S/ 457,890.93 S/ -3,470.68
0 S/ 457,188.16 S/ -3,470.68
0 S/ 456,481.15 S/ -3,470.68
0 S/ 455,769.86 S/ -3,470.68
0 S/ 455,054.27 S/ -3,470.68
0 S/ 454,334.36 S/ -3,470.68
0 S/ 453,610.09 S/ -3,470.68
0 S/ 452,881.45 S/ -3,470.68
0 S/ 452,148.40 S/ -3,470.68
0 S/ 451,410.92 S/ -3,470.68
0 S/ 450,668.98 S/ -3,470.68
0 S/ 449,922.56 S/ -3,470.68
0 S/ 449,171.63 S/ -3,470.68
0 S/ 448,416.15 S/ -3,470.68
0 S/ 447,656.11 S/ -3,470.68
0 S/ 446,891.48 S/ -3,470.68
0 S/ 446,122.22 S/ -3,470.68
0 S/ 445,348.31 S/ -3,470.68
0 S/ 444,569.73 S/ -3,470.68
0 S/ 443,786.43 S/ -3,470.68
0 S/ 442,998.41 S/ -3,470.68
0 S/ 442,205.62 S/ -3,470.68
0 S/ 441,408.03 S/ -3,470.68
0 S/ 440,605.63 S/ -3,470.68
0 S/ 439,798.37 S/ -3,470.68
0 S/ 438,986.24 S/ -3,470.68
0 S/ 438,169.20 S/ -3,470.68
0 S/ 437,347.21 S/ -3,470.68
0 S/ 436,520.26 S/ -3,470.68
0 S/ 435,688.31 S/ -3,470.68
0 S/ 434,851.33 S/ -3,470.68
0 S/ 434,009.29 S/ -3,470.68
0 S/ 433,162.16 S/ -3,470.68
0 S/ 432,309.91 S/ -3,470.68
0 S/ 431,452.51 S/ -3,470.68
0 S/ 430,589.93 S/ -3,470.68
0 S/ 429,722.13 S/ -3,470.68
0 S/ 428,849.09 S/ -3,470.68
0 S/ 427,970.76 S/ -3,470.68
0 S/ 427,087.13 S/ -3,470.68
0 S/ 426,198.16 S/ -3,470.68
0 S/ 425,303.81 S/ -3,470.68
0 S/ 424,404.06 S/ -3,470.68
0 S/ 423,498.87 S/ -3,470.68
0 S/ 422,588.20 S/ -3,470.68
0 S/ 421,672.04 S/ -3,470.68
0 S/ 420,750.33 S/ -3,470.68
0 S/ 419,823.05 S/ -3,470.68
0 S/ 418,890.17 S/ -3,470.68
0 S/ 417,951.64 S/ -3,470.68
0 S/ 417,007.45 S/ -3,470.68
0 S/ 416,057.54 S/ -3,470.68
0 S/ 415,101.90 S/ -3,470.68
0 S/ 414,140.48 S/ -3,470.68
0 S/ 413,173.24 S/ -3,470.68
0 S/ 412,200.16 S/ -3,470.68
0 S/ 411,221.20 S/ -3,470.68
0 S/ 410,236.32 S/ -3,470.68
0 S/ 409,245.48 S/ -3,470.68
0 S/ 408,248.66 S/ -3,470.68
0 S/ 407,245.81 S/ -3,470.68
0 S/ 406,236.90 S/ -3,470.68
0 S/ 405,221.88 S/ -3,470.68
0 S/ 404,200.74 S/ -3,470.68
0 S/ 403,173.42 S/ -3,470.68
0 S/ 402,139.89 S/ -3,470.68
0 S/ 401,100.11 S/ -3,470.68
0 S/ 400,054.05 S/ -3,470.68
0 S/ 399,001.67 S/ -3,470.68
0 S/ 397,942.92 S/ -3,470.68
0 S/ 396,877.77 S/ -3,470.68
0 S/ 395,806.18 S/ -3,470.68
0 S/ 394,728.12 S/ -3,470.68
0 S/ 393,643.54 S/ -3,470.68
0 S/ 392,552.40 S/ -3,470.68
0 S/ 391,454.67 S/ -3,470.68
0 S/ 390,350.30 S/ -3,470.68
0 S/ 389,239.26 S/ -3,470.68
0 S/ 388,121.50 S/ -3,470.68
0 S/ 386,996.98 S/ -3,470.68
0 S/ 385,865.67 S/ -3,470.68
0 S/ 384,727.51 S/ -3,470.68
0 S/ 383,582.48 S/ -3,470.68
0 S/ 382,430.53 S/ -3,470.68
0 S/ 381,271.61 S/ -3,470.68
0 S/ 380,105.68 S/ -3,470.68
0 S/ 378,932.71 S/ -3,470.68
0 S/ 377,752.65 S/ -3,470.68
0 S/ 376,565.45 S/ -3,470.68
0 S/ 375,371.08 S/ -3,470.68
0 S/ 374,169.49 S/ -3,470.68
0 S/ 372,960.63 S/ -3,470.68
0 S/ 371,744.47 S/ -3,470.68
0 S/ 370,520.96 S/ -3,470.68
0 S/ 369,290.04 S/ -3,470.68
0 S/ 368,051.69 S/ -3,470.68
0 S/ 366,805.86 S/ -3,470.68
0 S/ 365,552.49 S/ -3,470.68
0 S/ 364,291.54 S/ -3,470.68
0 S/ 363,022.98 S/ -3,470.68
0 S/ 361,746.74 S/ -3,470.68
0 S/ 360,462.79 S/ -3,470.68
0 S/ 359,171.08 S/ -3,470.68
0 S/ 357,871.56 S/ -3,470.68
0 S/ 356,564.18 S/ -3,470.68
0 S/ 355,248.90 S/ -3,470.68
0 S/ 353,925.68 S/ -3,470.68
0 S/ 352,594.45 S/ -3,470.68
0 S/ 351,255.17 S/ -3,470.68
0 S/ 349,907.80 S/ -3,470.68
0 S/ 348,552.29 S/ -3,470.68
0 S/ 347,188.58 S/ -3,470.68
0 S/ 345,816.62 S/ -3,470.68
0 S/ 344,436.38 S/ -3,470.68
0 S/ 343,047.79 S/ -3,470.68
0 S/ 341,650.80 S/ -3,470.68
0 S/ 340,245.37 S/ -3,470.68
0 S/ 338,831.45 S/ -3,470.68
0 S/ 337,408.98 S/ -3,470.68
0 S/ 335,977.91 S/ -3,470.68
0 S/ 334,538.19 S/ -3,470.68
0 S/ 333,089.76 S/ -3,470.68
0 S/ 331,632.59 S/ -3,470.68
0 S/ 330,166.60 S/ -3,470.68
0 S/ 328,691.75 S/ -3,470.68
0 S/ 327,207.98 S/ -3,470.68
0 S/ 325,715.25 S/ -3,470.68
0 S/ 324,213.49 S/ -3,470.68
0 S/ 322,702.66 S/ -3,470.68
0 S/ 321,182.69 S/ -3,470.68
0 S/ 319,653.53 S/ -3,470.68
0 S/ 318,115.13 S/ -3,470.68
0 S/ 316,567.43 S/ -3,470.68
0 S/ 315,010.37 S/ -3,470.68
0 S/ 313,443.91 S/ -3,470.68
0 S/ 311,867.97 S/ -3,470.68
0 S/ 310,282.51 S/ -3,470.68
0 S/ 308,687.46 S/ -3,470.68
0 S/ 307,082.77 S/ -3,470.68
0 S/ 305,468.38 S/ -3,470.68
0 S/ 303,844.23 S/ -3,470.68
0 S/ 302,210.27 S/ -3,470.68
0 S/ 300,566.42 S/ -3,470.68
0 S/ 298,912.64 S/ -3,470.68
0 S/ 297,248.86 S/ -3,470.68
0 S/ 295,575.03 S/ -3,470.68
0 S/ 293,891.08 S/ -3,470.68
0 S/ 292,196.95 S/ -3,470.68
0 S/ 290,492.57 S/ -3,470.68
0 S/ 288,777.90 S/ -3,470.68
0 S/ 287,052.86 S/ -3,470.68
0 S/ 285,317.39 S/ -3,470.68
0 S/ 283,571.43 S/ -3,470.68
0 S/ 281,814.91 S/ -3,470.68
0 S/ 280,047.78 S/ -3,470.68
0 S/ 278,269.97 S/ -3,470.68
0 S/ 276,481.41 S/ -3,470.68
0 S/ 274,682.04 S/ -3,470.68
0 S/ 272,871.79 S/ -3,470.68
0 S/ 271,050.59 S/ -3,470.68
0 S/ 269,218.39 S/ -3,470.68
0 S/ 267,375.12 S/ -3,470.68
0 S/ 265,520.70 S/ -3,470.68
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0 S/ 261,778.16 S/ -3,470.68
0 S/ 259,889.91 S/ -3,470.68
0 S/ 257,990.24 S/ -3,470.68
0 S/ 256,079.09 S/ -3,470.68
0 S/ 254,156.39 S/ -3,470.68
0 S/ 252,222.07 S/ -3,470.68
0 S/ 250,276.05 S/ -3,470.68
0 S/ 248,318.27 S/ -3,470.68
0 S/ 246,348.65 S/ -3,470.68
0 S/ 244,367.13 S/ -3,470.68
0 S/ 242,373.63 S/ -3,470.68
0 S/ 240,368.08 S/ -3,470.68
0 S/ 238,350.40 S/ -3,470.68
0 S/ 236,320.53 S/ -3,470.68
0 S/ 234,278.39 S/ -3,470.68
0 S/ 232,223.90 S/ -3,470.68
0 S/ 230,157.00 S/ -3,470.68
0 S/ 228,077.60 S/ -3,470.68
0 S/ 225,985.63 S/ -3,470.68
0 S/ 223,881.01 S/ -3,470.68
0 S/ 221,763.68 S/ -3,470.68
0 S/ 219,633.54 S/ -3,470.68
0 S/ 217,490.53 S/ -3,470.68
0 S/ 215,334.56 S/ -3,470.68
0 S/ 213,165.56 S/ -3,470.68
0 S/ 210,983.45 S/ -3,470.68
0 S/ 208,788.15 S/ -3,470.68
0 S/ 206,579.57 S/ -3,470.68
0 S/ 204,357.65 S/ -3,470.68
0 S/ 202,122.30 S/ -3,470.68
0 S/ 199,873.43 S/ -3,470.68
0 S/ 197,610.97 S/ -3,470.68
0 S/ 195,334.83 S/ -3,470.68
0 S/ 193,044.93 S/ -3,470.68
0 S/ 190,741.19 S/ -3,470.68
0 S/ 188,423.53 S/ -3,470.68
0 S/ 186,091.85 S/ -3,470.68
0 S/ 183,746.08 S/ -3,470.68
0 S/ 181,386.13 S/ -3,470.68
0 S/ 179,011.92 S/ -3,470.68
0 S/ 176,623.35 S/ -3,470.68
0 S/ 174,220.34 S/ -3,470.68
0 S/ 171,802.81 S/ -3,470.68
0 S/ 169,370.67 S/ -3,470.68
0 S/ 166,923.82 S/ -3,470.68
0 S/ 164,462.18 S/ -3,470.68
0 S/ 161,985.66 S/ -3,470.68
0 S/ 159,494.17 S/ -3,470.68
0 S/ 156,987.62 S/ -3,470.68
0 S/ 154,465.92 S/ -3,470.68
0 S/ 151,928.97 S/ -3,470.68
0 S/ 149,376.69 S/ -3,470.68
0 S/ 146,808.98 S/ -3,470.68
0 S/ 144,225.75 S/ -3,470.68
0 S/ 141,626.90 S/ -3,470.68
0 S/ 139,012.34 S/ -3,470.68
0 S/ 136,381.98 S/ -3,470.68
0 S/ 133,735.72 S/ -3,470.68
0 S/ 131,073.46 S/ -3,470.68
0 S/ 128,395.11 S/ -3,470.68
0 S/ 125,700.57 S/ -3,470.68
0 S/ 122,989.74 S/ -3,470.68
0 S/ 120,262.52 S/ -3,470.68
0 S/ 117,518.82 S/ -3,470.68
0 S/ 114,758.53 S/ -3,470.68
0 S/ 111,981.56 S/ -3,470.68
0 S/ 109,187.80 S/ -3,470.68
0 S/ 106,377.15 S/ -3,470.68
0 S/ 103,549.51 S/ -3,470.68
0 S/ 100,704.78 S/ -3,470.68
0 S/ 97,842.85 S/ -3,470.68
0 S/ 94,963.62 S/ -3,470.68
0 S/ 92,066.99 S/ -3,470.68
0 S/ 89,152.85 S/ -3,470.68
0 S/ 86,221.09 S/ -3,470.68
0 S/ 83,271.61 S/ -3,470.68
0 S/ 80,304.30 S/ -3,470.68
0 S/ 77,319.05 S/ -3,470.68
0 S/ 74,315.76 S/ -3,470.68
0 S/ 71,294.31 S/ -3,470.68
0 S/ 68,254.60 S/ -3,470.68
0 S/ 65,196.51 S/ -3,470.68
0 S/ 62,119.94 S/ -3,470.68
0 S/ 59,024.77 S/ -3,470.68
0 S/ 55,910.89 S/ -3,470.68
0 S/ 52,778.19 S/ -3,470.68
0 S/ 49,626.55 S/ -3,470.68
0 S/ 46,455.86 S/ -3,470.68
0 S/ 43,266.00 S/ -3,470.68
0 S/ 40,056.86 S/ -3,470.68
0 S/ 36,828.32 S/ -3,470.68
0 S/ 33,580.26 S/ -3,470.68
0 S/ 30,312.57 S/ -3,470.68
0 S/ 27,025.13 S/ -3,470.68
0 S/ 23,717.81 S/ -3,470.68
0 S/ 20,390.51 S/ -3,470.68
0 S/ 17,043.09 S/ -3,470.68
0 S/ 13,675.43 S/ -3,470.68
0 S/ 10,287.42 S/ -3,470.68
0 S/ 6,878.92 S/ -3,470.68
0 S/ 3,449.83 S/ -3,470.68
0 S/ 0.00 S/ -3,470.68
 Datos del ejercicio

PRECIO DE LA CASA $ 600,000.00

ALQUILER ACTUAL $ 3,000.00 tasa de crecimiento 5%

ALQUILER NUEVO $ 3,600.00 tasa de crecimiento del 2008 -35%

cuota inicial 20% $ 120,000.00
monto del credito $ 480,000.00 valor costo 8208
FONDOS MUTUOS (AHORROS) $ 150,000.00
FONDOS MUTUOS ( antes de impuest) 9% tasa
Plazo de la hipoteca 30 años
periodo de gracia por 10 años
TEA PRESTAMOS 6% Pago prestamo los 1°, 5 años 21888
COSTO DE CIERRE $ 4,500.00 Pago prestamo los 2°, 5 años 27360
Impuesto a la propiedad 9.36 1000
impuesto a la renta 24%
mantenimiento 1% 3%
seguro de vivienda $ 1,200.00
precio de venta x
comision de corretaje(Vta) 5%
impuesto a las ganacias de k $ 0.15 si ganamos 50000

Saldo de casa aun por cancelar $ 438,986.24

Conviene que la pareja compre :

$ 324,057.38
$ -40,202.87
$ 283,854.51
 Stedman Place: Comprar o alquiler

CRISIS
2006 2007 2008 2009
0 1 2 3
Precio Estimado ( g = 5%) $ 600,000.00 $ 630,000.00 $ 409,500.00 $ 429,975.00
-$ 120,000.00 -$ 8,208.00 -$ 8,208.00 -$ 8,208.00
costo inicial
pago de credito -$ 21,888.00 -$ 21,888.00 -$ 21,888.00
cierre -$ 4,500.00
impuesto a la propiedad -$ 4,481.57 -$ 2,913.02 -$ 3,058.67
mantenimiento -$ 6,300.00 -$ 4,217.85 -$ 4,561.60
seguro de vivienda -$ 1,200.00 -$ 1,260.00 -$ 1,323.00
venta de la casa
comision de venta
-$ 124,500.00 -$ 42,077.57 -$ 38,486.87 -$ 39,039.27

flujo de caja del comprar

periodo fc va
0 -$ 124,500.00 -124,500.00 0.0684
1 -$ 42,077.57 -39,383.72
2 -$ 38,486.87 -33,716.68
3 -$ 39,039.27 -32,011.06
4 -$ 39,630.13 -30,415.15
5 -$ 40,262.24 -28,922.01
6 -$ 50,703.22 -34,090.41
7 -$ 51,427.11 -32,363.46
8 -$ 52,202.01 -30,747.95
9 -$ 53,031.68 -29,236.85
10 -$ 53,920.16 -27,823.54
11 $ 164,519.22 79,459.16
suma -$ 363,751.68
Err:523
o alquiler

2010 2011 2012 2013 2014 2015 2016

4 5 6 7 8 9 10
$ 451,473.75 $ 474,047.44 $ 497,749.81 $ 522,637.30 $ 548,769.16 $ 576,207.62 $ 605,018.00
-$ 8,208.00 -$ 8,208.00 -$ 8,208.00 -$ 8,208.00 -$ 8,208.00 -$ 8,208.00 -$ 8,208.00

-$ 21,888.00 -$ 21,888.00 -31,652.60 -31,652.60 -31,652.60 -31,652.60 -31,652.60

-$ 3,211.60 -$ 3,372.18 -$ 3,540.79 -$ 3,717.83 -$ 3,903.72 -$ 4,098.91 -$ 4,303.86

-$ 4,933.38 -$ 5,335.45 -$ 5,770.28 -$ 6,240.56 -$ 6,749.17 -$ 7,299.23 -$ 7,894.11
-$ 1,389.15 -$ 1,458.61 -$ 1,531.54 -$ 1,608.11 -$ 1,688.52 -$ 1,772.95 -$ 1,861.59

-$ 39,630.13 -$ 40,262.24 -$ 50,703.22 -$ 51,427.11 -$ 52,202.01 -$ 53,031.68 -$ 53,920.16

flujo de caja del vender

periodo fc va
0 0 0
1 $ -34,992.00 -32,751.78
2 $ -36,288.00 -31,790.35
3 $ -37,622.88 -30,849.66
4 $ -38,997.81 -29,929.86
5 $ -40,413.98 -29,031.02
6 $ -41,872.64 -28,153.15
7 $ -43,375.06 -27,296.25
8 $ -44,922.55 -26,460.22
9 $ -46,516.47 -25,644.95
10 $ -48,158.20 -24,850.29
11 0
suma -286,757.52
Err:523
 2017
11
$ 635,268.90

$ 196,282.66
-$ 31,763.45 negativo
$ 164,519.22