Académique Documents
Professionnel Documents
Culture Documents
FCA
Apoyos gubernamentales y es
quemas de cofinanciamiento.
Flexibilizacin de la banca para
el otorgamiento de estos
crditos.
El
sueo
de
todo
joven
profesionista, o de muchas personas
econmicamente activas, es el de
adquirir una casa a crdito, que les
permita ir conformando un patrimonio,
o bien, adquirir una segunda propiedad
como inversin, y vivir de las rentas del
mismo a futuro.
Lamentablemente, esto no es ningn
buen negocio hoy por hoy. Durante los
aos 80, cuando la hiperinflacin
golpeaba dramticamente el ingreso de
la poblacin, y el dinero vala cada vez
menos, definitivamente era una de las
nicas inversiones que garantizaba
proteger nuestro dinero frente a estos
embates econmicos, sin embargo la
realidad ha cambiado dramticamente
en la segunda dcada del siglo XXI.
Entre las principales diferencias,
encontramos las siguientes:
Inflacin controlada inferior al
5% anual.
Gran
estabilidad
macroeconmica, sin precedente
en la historia reciente del pas.
Incremento notable en la oferta
de vivienda, tanto nueva como
usada en las principales ciudades
y localidades importantes del
pas.
Accesibilidad relativamente fcil
para la poblacin a crditos
hipotecarios.
En consecuencia, el precio del
alquiler de los departamentos o
casas, en el mejor de los casos,
ha crecido mucho ms lento que
hace aos, sino que se han
Pgina 1
Supuestos:
NOMBRE: Hctor Menndez
EDAD: 35 aos
ESTADO CIVIL: Soltero
CRDITO HIPOTECARIO APROBADO: $2,500,000
PLAZO: 15 AOS
TASA NOMINAL ANUALIZADA: 12%
PAGOS MENSUALES: $30,004.20
La siguiente tabla, muestra cmo se va amortizando, mes con mes, la deuda de Hctor.
Sabemos que el pago de $30,004.20 se mantiene constante a lo largo de toda la vida del
crdito, sin embargo, al principio, se destina una mayor proporcin de ese pago para
cubrir los intereses del crdito, mientras que la amortizacin de la deuda es bastante
baja:
TABLA DE AMORTIZACIN DEL CRDITO
AO
1
2
MES
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
PAGO
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
www.franciscojaviercruzariza.com
INTERESES
25,000.00
24,949.96
24,899.42
24,848.37
24,796.81
24,744.74
24,692.14
24,639.02
24,585.37
24,531.18
24,476.45
24,421.17
24,365.34
24,308.95
24,252.00
24,194.48
24,136.38
24,077.70
24,018.44
23,958.58
23,898.13
ABONO A
CAPITAL
5,004.20
5,054.24
5,104.78
5,155.83
5,207.39
5,259.46
5,312.06
5,365.18
5,418.83
5,473.02
5,527.75
5,583.03
5,638.86
5,695.25
5,752.20
5,809.72
5,867.82
5,926.50
5,985.76
6,045.62
6,106.07
SALDO
2,500,000.00
2,494,995.80
2,489,941.56
2,484,836.77
2,479,680.94
2,474,473.55
2,469,214.09
2,463,902.03
2,458,536.85
2,453,118.02
2,447,645.00
2,442,117.25
2,436,534.22
2,430,895.36
2,425,200.11
2,419,447.92
2,413,638.19
2,407,770.38
2,401,843.88
2,395,858.12
2,389,812.50
2,383,706.43
Pgina 2
3
4
5
6
7
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
www.franciscojaviercruzariza.com
23,837.06
23,775.39
23,713.10
23,650.19
23,586.65
23,522.48
23,457.66
23,392.20
23,326.08
23,259.29
23,191.85
23,123.72
23,054.92
22,985.42
22,915.24
22,844.35
22,772.75
22,700.43
22,627.40
22,553.63
22,479.12
22,403.87
22,327.87
22,251.11
22,173.57
22,095.27
22,016.18
21,936.30
21,855.62
21,774.13
21,691.83
21,608.71
21,524.75
21,439.96
21,354.32
21,267.82
21,180.45
21,092.22
21,003.10
20,913.09
20,822.18
20,730.35
20,637.62
20,543.95
20,449.35
20,353.80
20,257.30
20,159.83
20,061.38
19,961.95
19,861.53
19,760.11
6,167.14
6,228.81
6,291.10
6,354.01
6,417.55
6,481.72
6,546.54
6,612.00
6,678.12
6,744.91
6,812.35
6,880.48
6,949.28
7,018.78
7,088.96
7,159.85
7,231.45
7,303.77
7,376.80
7,450.57
7,525.08
7,600.33
7,676.33
7,753.09
7,830.63
7,908.93
7,988.02
8,067.90
8,148.58
8,230.07
8,312.37
8,395.49
8,479.45
8,564.24
8,649.88
8,736.38
8,823.75
8,911.98
9,001.10
9,091.11
9,182.02
9,273.85
9,366.58
9,460.25
9,554.85
9,650.40
9,746.90
9,844.37
9,942.82
10,042.25
10,142.67
10,244.09
2,377,539.29
2,371,310.48
2,365,019.39
2,358,665.38
2,352,247.83
2,345,766.11
2,339,219.57
2,332,607.57
2,325,929.45
2,319,184.54
2,312,372.19
2,305,491.71
2,298,542.42
2,291,523.65
2,284,434.69
2,277,274.83
2,270,043.38
2,262,739.61
2,255,362.81
2,247,912.24
2,240,387.16
2,232,786.83
2,225,110.50
2,217,357.41
2,209,526.78
2,201,617.85
2,193,629.83
2,185,561.92
2,177,413.34
2,169,183.28
2,160,870.91
2,152,475.42
2,143,995.97
2,135,431.73
2,126,781.85
2,118,045.47
2,109,221.72
2,100,309.74
2,091,308.64
2,082,217.52
2,073,035.50
2,063,761.65
2,054,395.07
2,044,934.82
2,035,379.97
2,025,729.57
2,015,982.67
2,006,138.29
1,996,195.48
1,986,153.23
1,976,010.56
1,965,766.47
Pgina 3
8
9
10
11
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
www.franciscojaviercruzariza.com
19,657.66
19,554.20
19,449.70
19,344.15
19,237.55
19,129.89
19,021.14
18,911.31
18,800.38
18,688.35
18,575.19
18,460.90
18,345.47
18,228.88
18,111.12
17,992.19
17,872.07
17,750.75
17,628.22
17,504.46
17,379.46
17,253.21
17,125.70
16,996.92
16,866.85
16,735.47
16,602.78
16,468.77
16,333.42
16,196.71
16,058.63
15,919.18
15,778.33
15,636.07
15,492.39
15,347.27
15,200.70
15,052.67
14,903.15
14,752.14
14,599.62
14,445.57
14,289.99
14,132.84
13,974.13
13,813.83
13,651.93
13,488.40
13,323.25
13,156.44
12,987.96
12,817.80
10,346.54
10,450.00
10,554.50
10,660.05
10,766.65
10,874.31
10,983.06
11,092.89
11,203.82
11,315.85
11,429.01
11,543.30
11,658.73
11,775.32
11,893.08
12,012.01
12,132.13
12,253.45
12,375.98
12,499.74
12,624.74
12,750.99
12,878.50
13,007.28
13,137.35
13,268.73
13,401.42
13,535.43
13,670.78
13,807.49
13,945.57
14,085.02
14,225.87
14,368.13
14,511.81
14,656.93
14,803.50
14,951.53
15,101.05
15,252.06
15,404.58
15,558.63
15,714.21
15,871.36
16,030.07
16,190.37
16,352.27
16,515.80
16,680.95
16,847.76
17,016.24
17,186.40
1,955,419.93
1,944,969.93
1,934,415.43
1,923,755.39
1,912,988.74
1,902,114.43
1,891,131.37
1,880,038.48
1,868,834.67
1,857,518.82
1,846,089.80
1,834,546.50
1,822,887.77
1,811,112.45
1,799,219.37
1,787,207.36
1,775,075.24
1,762,821.79
1,750,445.81
1,737,946.07
1,725,321.33
1,712,570.34
1,699,691.84
1,686,684.56
1,673,547.21
1,660,278.48
1,646,877.06
1,633,341.63
1,619,670.85
1,605,863.36
1,591,917.79
1,577,832.77
1,563,606.90
1,549,238.77
1,534,726.95
1,520,070.02
1,505,266.52
1,490,314.99
1,475,213.94
1,459,961.88
1,444,557.30
1,428,998.67
1,413,284.46
1,397,413.10
1,381,383.03
1,365,192.66
1,348,840.39
1,332,324.59
1,315,643.64
1,298,795.88
1,281,779.64
1,264,593.23
Pgina 4
12
13
14
15
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
www.franciscojaviercruzariza.com
12,645.93
12,472.35
12,297.03
12,119.96
11,941.12
11,760.49
11,578.05
11,393.79
11,207.68
11,019.72
10,829.87
10,638.13
10,444.47
10,248.87
10,051.32
9,851.79
9,650.27
9,446.73
9,241.15
9,033.52
8,823.81
8,612.01
8,398.09
8,182.03
7,963.81
7,743.40
7,520.79
7,295.96
7,068.88
6,839.52
6,607.88
6,373.91
6,137.61
5,898.95
5,657.89
5,414.43
5,168.53
4,920.18
4,669.34
4,415.99
4,160.10
3,901.66
3,640.64
3,377.00
3,110.73
2,841.80
2,570.17
2,295.83
2,018.75
1,738.89
1,456.24
1,170.76
17,358.27
17,531.85
17,707.17
17,884.24
18,063.08
18,243.71
18,426.15
18,610.41
18,796.52
18,984.48
19,174.33
19,366.07
19,559.73
19,755.33
19,952.88
20,152.41
20,353.93
20,557.47
20,763.05
20,970.68
21,180.39
21,392.19
21,606.11
21,822.17
22,040.39
22,260.80
22,483.41
22,708.24
22,935.32
23,164.68
23,396.32
23,630.29
23,866.59
24,105.25
24,346.31
24,589.77
24,835.67
25,084.02
25,334.86
25,588.21
25,844.10
26,102.54
26,363.56
26,627.20
26,893.47
27,162.40
27,434.03
27,708.37
27,985.45
28,265.31
28,547.96
28,833.44
1,247,234.96
1,229,703.11
1,211,995.94
1,194,111.70
1,176,048.62
1,157,804.91
1,139,378.76
1,120,768.34
1,101,971.83
1,082,987.35
1,063,813.02
1,044,446.95
1,024,887.22
1,005,131.89
985,179.01
965,026.60
944,672.67
924,115.19
903,352.14
882,381.47
861,201.08
839,808.89
818,202.78
796,380.61
774,340.21
752,079.42
729,596.01
706,887.77
683,952.45
660,787.77
637,391.45
613,761.17
589,894.58
565,789.32
541,443.02
516,853.25
492,017.58
466,933.55
441,598.69
416,010.48
390,166.38
364,063.85
337,700.28
311,073.09
284,179.62
257,017.21
229,583.19
201,874.82
173,889.37
145,624.06
117,076.10
88,242.66
Pgina 5
30,004.20
30,004.20
30,004.78
882.43
591.21
297.08
29,121.77
29,412.99
29,707.90
TOTAL:
5,400,756.78
2,900,756.78
2,500,000.00
59,120.89
29,707.90
0.00
1
2
MES
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
DEPSITO
INTERESES
GENERADOS
SALDO
$
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
www.franciscojaviercruzariza.com
300.04
603.08
909.16
1,218.29
1,530.52
1,845.86
2,164.36
2,486.05
2,810.95
3,139.10
3,470.54
3,805.28
4,143.38
4,484.85
4,829.74
5,178.08
5,529.91
5,885.25
30,304.24
60,911.53
91,824.88
123,047.37
154,582.09
186,432.15
218,600.72
251,090.97
283,906.12
317,049.42
350,524.16
384,333.64
418,481.22
452,970.27
487,804.22
522,986.50
558,520.61
594,410.06
Pgina 6
3
4
5
6
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
6,244.14
6,606.63
6,972.73
7,342.50
7,715.97
8,093.17
8,474.15
8,858.93
9,247.56
9,640.08
10,036.52
10,436.93
10,841.34
11,249.80
11,662.34
12,079.00
12,499.83
12,924.87
13,354.16
13,787.75
14,225.67
14,667.97
15,114.69
15,565.88
16,021.58
16,481.83
16,946.69
17,416.20
17,890.41
18,369.35
18,853.09
19,341.66
19,835.12
20,333.51
20,836.89
21,345.30
21,858.80
22,377.43
22,901.24
23,430.30
23,964.64
24,504.33
630,658.40
667,269.23
704,246.16
741,592.86
779,313.03
817,410.41
855,888.75
894,751.88
934,003.64
973,647.92
1,013,688.64
1,054,129.77
1,094,975.31
1,136,229.31
1,177,895.84
1,219,979.04
1,262,483.07
1,305,412.15
1,348,770.51
1,392,562.46
1,436,792.32
1,481,464.49
1,526,583.38
1,572,153.45
1,618,179.23
1,664,665.26
1,711,616.16
1,759,036.56
1,806,931.17
1,855,304.72
1,904,162.01
1,953,507.87
2,003,347.19
2,053,684.91
2,104,526.00
2,155,875.50
2,207,738.50
2,260,120.12
2,313,025.57
2,366,460.07
2,420,428.91
2,474,937.44
61
62
63
64
65
66
67
68
69
70
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
25,049.42
25,599.95
26,155.99
26,717.60
27,284.81
27,857.70
28,436.32
29,020.73
29,610.98
30,207.13
2,529,991.06
2,585,595.21
2,641,755.40
2,698,477.20
2,755,766.21
2,813,628.12
2,872,068.64
2,931,093.57
2,990,708.75
3,050,920.08
www.franciscojaviercruzariza.com
Pgina 7
7
8
9
10
11
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
www.franciscojaviercruzariza.com
30,809.24
31,417.38
32,031.59
32,651.95
33,278.51
33,911.34
34,550.49
35,196.04
35,848.04
36,506.57
37,171.67
37,843.43
38,521.91
39,207.17
39,899.28
40,598.32
41,304.34
42,017.43
42,737.65
43,465.06
44,199.76
44,941.80
45,691.26
46,448.21
47,212.74
47,984.90
48,764.80
49,552.49
50,348.05
51,151.58
51,963.13
52,782.81
53,610.68
54,446.83
55,291.34
56,144.29
57,005.78
57,875.88
58,754.68
59,642.26
60,538.73
61,444.16
62,358.64
63,282.27
64,215.14
65,157.33
66,108.94
67,070.08
68,040.82
69,021.27
70,011.52
71,011.68
3,111,733.52
3,173,155.10
3,235,190.89
3,297,847.04
3,361,129.75
3,425,045.29
3,489,599.99
3,554,800.23
3,620,652.47
3,687,163.24
3,754,339.11
3,822,186.75
3,890,712.86
3,959,924.23
4,029,827.71
4,100,430.23
4,171,738.77
4,243,760.40
4,316,502.25
4,389,971.51
4,464,175.47
4,539,121.47
4,614,816.92
4,691,269.34
4,768,486.27
4,846,475.38
4,925,244.37
5,004,801.06
5,085,153.31
5,166,309.09
5,248,276.42
5,331,063.42
5,414,678.30
5,499,129.33
5,584,424.86
5,670,573.35
5,757,583.33
5,845,463.40
5,934,222.28
6,023,868.74
6,114,411.67
6,205,860.03
6,298,222.87
6,391,509.34
6,485,728.68
6,580,890.21
6,677,003.35
6,774,077.63
6,872,122.65
6,971,148.11
7,071,163.84
7,172,179.72
Pgina 8
12
13
14
15
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
www.franciscojaviercruzariza.com
72,021.84
73,042.10
74,072.56
75,113.33
76,164.51
77,226.19
78,298.50
79,381.52
80,475.38
81,580.18
82,696.02
83,823.02
84,961.29
86,110.95
87,272.10
88,444.86
89,629.35
90,825.69
92,033.99
93,254.37
94,486.96
95,731.87
96,989.23
98,259.16
99,541.80
100,837.26
102,145.67
103,467.17
104,801.88
106,149.94
107,511.49
108,886.64
110,275.55
111,678.35
113,095.17
114,526.17
115,971.47
117,431.23
118,905.58
120,394.68
121,898.67
123,417.70
124,951.92
126,501.48
128,066.54
129,647.24
131,243.76
132,856.24
134,484.84
136,129.73
137,791.07
139,469.02
7,274,205.76
7,377,252.06
7,481,328.82
7,586,446.35
7,692,615.06
7,799,845.45
7,908,148.14
8,017,533.87
8,128,013.45
8,239,597.82
8,352,298.05
8,466,125.27
8,581,090.76
8,697,205.91
8,814,482.21
8,932,931.28
9,052,564.83
9,173,394.72
9,295,432.91
9,418,691.48
9,543,182.64
9,668,918.71
9,795,912.14
9,924,175.50
10,053,721.50
10,184,562.95
10,316,712.83
10,450,184.20
10,584,990.28
10,721,144.42
10,858,660.11
10,997,550.95
11,137,830.71
11,279,513.25
11,422,612.63
11,567,143.00
11,713,118.67
11,860,554.10
12,009,463.88
12,159,862.76
12,311,765.63
12,465,187.53
12,620,143.65
12,776,649.33
12,934,720.06
13,094,371.50
13,255,619.46
13,418,479.90
13,582,968.94
13,749,102.87
13,916,898.14
14,086,371.36
Pgina 9
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
30,004.20
141,163.76
142,875.44
144,604.23
146,350.32
148,113.86
149,895.04
TOTAL:
5,400,756.00
9,738,643.20
Departamento
Requiere
inversin
mantenimiento
14,257,539.32
14,430,418.95
14,605,027.39
14,781,381.90
14,959,499.96
15,139,399.20
en
www.franciscojaviercruzariza.com
Pgina 10
Los
bienes
inmuebles
sufren
deterioros naturales, y estn a la
merced
de
la
intemperie.
Adicionalmente, se tiene que
contemplar el uso que los inquilinos
hagan de l.
Por
supuesto
que
cualquier
instrumento est a merced de los
embates econmicos y financieros,
como la crisis de los aos 2008-2009.
Ante ello, es muy aconsejable
diversificar nuestra inversin en
varias alternativas, con lo cual el
riesgo se aminora sensiblemente.
www.franciscojaviercruzariza.com
Pgina 11