BALANCE DE CAPITAL

ACTIVO

320000
320000

PRESTAMO 1
PRINCIPAL 120000
TIEMPO 5
TASA 15.00%
PAGO MENSUAL -S/.2,854.79

prestamo 1
N de cuotas CUOTA CAPITAL INTERES SALDO
S/. 120,000.00
1 S/. 2,855 S/. 1,355 S/. 1,500 S/. 118,645
2 S/. 2,855 S/. 1,372 S/. 1,483 S/. 117,273
3 S/. 2,855 S/. 1,389 S/. 1,466 S/. 115,885
4 S/. 2,855 S/. 1,406 S/. 1,449 S/. 114,478
5 S/. 2,855 S/. 1,424 S/. 1,431 S/. 113,055
6 S/. 2,855 S/. 1,442 S/. 1,413 S/. 111,613
7 S/. 2,855 S/. 1,460 S/. 1,395 S/. 110,153
8 S/. 2,855 S/. 1,478 S/. 1,377 S/. 108,675
9 S/. 2,855 S/. 1,496 S/. 1,358 S/. 107,179
10 S/. 2,855 S/. 1,515 S/. 1,340 S/. 105,664
11 S/. 2,855 S/. 1,534 S/. 1,321 S/. 104,130
12 S/. 2,855 S/. 1,553 S/. 1,302 S/. 102,577
13 S/. 2,855 S/. 1,573 S/. 1,282 S/. 101,004
14 S/. 2,855 S/. 1,592 S/. 1,263 S/. 99,412
15 S/. 2,855 S/. 1,612 S/. 1,243 S/. 97,800
16 S/. 2,855 S/. 1,632 S/. 1,222 S/. 96,168
17 S/. 2,855 S/. 1,653 S/. 1,202 S/. 94,515
18 S/. 2,855 S/. 1,673 S/. 1,181 S/. 92,842
19 S/. 2,855 S/. 1,694 S/. 1,161 S/. 91,147
20 S/. 2,855 S/. 1,715 S/. 1,139 S/. 89,432
21 S/. 2,855 S/. 1,737 S/. 1,118 S/. 87,695
22 S/. 2,855 S/. 1,759 S/. 1,096 S/. 85,936
 23 S/. 2,855 S/. 1,781 S/. 1,074 S/. 84,156
24 S/. 2,855 S/. 1,803 S/. 1,052 S/. 82,353
25 S/. 2,855 S/. 1,825 S/. 1,029 S/. 80,528
26 S/. 2,855 S/. 1,848 S/. 1,007 S/. 78,679
27 S/. 2,855 S/. 1,871 S/. 983 S/. 76,808
28 S/. 2,855 S/. 1,895 S/. 960 S/. 74,913
29 S/. 2,855 S/. 1,918 S/. 936 S/. 72,995
30 S/. 2,855 S/. 1,942 S/. 912 S/. 71,053
31 S/. 2,855 S/. 1,967 S/. 888 S/. 69,086
32 S/. 2,855 S/. 1,991 S/. 864 S/. 67,095
33 S/. 2,855 S/. 2,016 S/. 839 S/. 65,079
34 S/. 2,855 S/. 2,041 S/. 813 S/. 63,037
35 S/. 2,855 S/. 2,067 S/. 788 S/. 60,971
36 S/. 2,855 S/. 2,093 S/. 762 S/. 58,878
37 S/. 2,855 S/. 2,119 S/. 736 S/. 56,759
38 S/. 2,855 S/. 2,145 S/. 709 S/. 54,614
39 S/. 2,855 S/. 2,172 S/. 683 S/. 52,442
40 S/. 2,855 S/. 2,199 S/. 656 S/. 50,242
41 S/. 2,855 S/. 2,227 S/. 628 S/. 48,016
42 S/. 2,855 S/. 2,255 S/. 600 S/. 45,761
43 S/. 2,855 S/. 2,283 S/. 572 S/. 43,478
44 S/. 2,855 S/. 2,311 S/. 543 S/. 41,167
45 S/. 2,855 S/. 2,340 S/. 515 S/. 38,827
46 S/. 2,855 S/. 2,369 S/. 485 S/. 36,457
47 S/. 2,855 S/. 2,399 S/. 456 S/. 34,058
48 S/. 2,855 S/. 2,429 S/. 426 S/. 31,629
49 S/. 2,855 S/. 2,459 S/. 395 S/. 29,170
50 S/. 2,855 S/. 2,490 S/. 365 S/. 26,680
51 S/. 2,855 S/. 2,521 S/. 333 S/. 24,158
52 S/. 2,855 S/. 2,553 S/. 302 S/. 21,606
53 S/. 2,855 S/. 2,585 S/. 270 S/. 19,021
54 S/. 2,855 S/. 2,617 S/. 238 S/. 16,404
55 S/. 2,855 S/. 2,650 S/. 205 S/. 13,754
56 S/. 2,855 S/. 2,683 S/. 172 S/. 11,071
57 S/. 2,855 S/. 2,716 S/. 138 S/. 8,355
58 S/. 2,855 S/. 2,750 S/. 104 S/. 5,604
59 S/. 2,855 S/. 2,785 S/. 70 S/. 2,820
60 S/. 2,855 S/. 2,820 S/. 35 S/. 0
S/. 171,287 S/. 120,000 S/. 51,288 S/. 3,983,004

De acuerdo al analisis nos conviene pagar en 5 años ya

que su interes es menor por que es menos tiempo el
ineteres que tendiramos que pagar es de 51,288.00
De acuerdo al analisis nos conviene pagar en 5 años ya
que su interes es menor por que es menos tiempo el
ineteres que tendiramos que pagar es de 51,288.00

Herencia 200,000.00
Tasa anual de Rentabilidad google 22%
Rentabilidad google anual 44,000.00
Rentabilidad total (7años) 308,000.00

la tasa anual de rentabilidad es del 22% anual y creceria de forma

anual si se invierte 200,000.00 creceria anualmente 44,000.00 y en 7
años creceria 308,000.00

Capital total 320,000.00

Tasa de Rentabilidad google 22%
Rentabilidad google anual 70,400.00 Nos conviene sacar un pre
Rentabilidad total (7años) 492,800.00 obtendiramos una rentabilia
solo invertir mas no tendri
menos total deuda más intereses S/-171,287.40

Rentabilidad neta S/321,512.60

0 1 2 3
-320,000.00 50,000.00 60,000.00 70,000.00

tasa de descuento 15%

VAN> O ES RENT
van -25,968.16

SI EL VAN ES MAYOR A 0 SERIA REN

EN EL EJEMPLO ES NEGATIVO NO E
RENTABLE
 SI EL VAN ES MAYOR A 0 SERIA REN
EN EL EJEMPLO ES NEGATIVO NO E
RENTABLE

NO, DE ACUERDO A LA RENTABILIDAD QUE NOS PLANTEA NO ES FACTIBLE. NO

SE ESTARIA PERDIENDO PERO NO SE LLEGARIA A GANAR COMO LO PREVISTO
QUE ES EL 15% LO RECOMENDABE ES QUE SEA MAYOR AL 15%.

376,287.40
ESTE SERIA EL MONTO QUE GANA EN UN
PERIODO DE 7 AÑOS Y RESTANDOLE EL
PRESTAME ADQUIRIDO DE ACUERDO A LA
MENOR TASA DE INTERES ESCOGIDA.
ALANCE DE CAPITAL
PASIVO
120000 37.50% LA DEUDA ES MENOR QUE EL PATRIMONIO
PATRIMONIO

200000 62.50% SE TEIENE UN 62.5% DE PATRIMONIO ES BUENO YA

320000 0 QUE NUESTRA DEUDA ES MENOR

PRESTAMO 2
PRINCIPAL 120000
TIEMPO 6 84
TASA 18.00%
PAGO MENSUAL -S/.2,736.93

prestamo 1
N de cuotas CUOTA CAPITAL INTERES SALDO
S/. 120,000.00
1 S/. 2,737 S/. 937 S/. 1,800 S/. 119,063
2 S/. 2,737 S/. 951 S/. 1,786 S/. 118,112
3 S/. 2,737 S/. 965 S/. 1,772 S/. 117,147
4 S/. 2,737 S/. 980 S/. 1,757 S/. 116,167
5 S/. 2,737 S/. 994 S/. 1,743 S/. 115,173
6 S/. 2,737 S/. 1,009 S/. 1,728 S/. 114,163
7 S/. 2,737 S/. 1,024 S/. 1,712 S/. 113,139
8 S/. 2,737 S/. 1,040 S/. 1,697 S/. 112,099
9 S/. 2,737 S/. 1,055 S/. 1,681 S/. 111,044
10 S/. 2,737 S/. 1,071 S/. 1,666 S/. 109,972
11 S/. 2,737 S/. 1,087 S/. 1,650 S/. 108,885
12 S/. 2,737 S/. 1,104 S/. 1,633 S/. 107,781
13 S/. 2,737 S/. 1,120 S/. 1,617 S/. 106,661
14 S/. 2,737 S/. 1,137 S/. 1,600 S/. 105,524
15 S/. 2,737 S/. 1,154 S/. 1,583 S/. 104,370
16 S/. 2,737 S/. 1,171 S/. 1,566 S/. 103,199
17 S/. 2,737 S/. 1,189 S/. 1,548 S/. 102,010
18 S/. 2,737 S/. 1,207 S/. 1,530 S/. 100,803
19 S/. 2,737 S/. 1,225 S/. 1,512 S/. 99,578
20 S/. 2,737 S/. 1,243 S/. 1,494 S/. 98,335
21 S/. 2,737 S/. 1,262 S/. 1,475 S/. 97,073
 22 S/. 2,737 S/. 1,281 S/. 1,456 S/. 95,792
23 S/. 2,737 S/. 1,300 S/. 1,437 S/. 94,492
24 S/. 2,737 S/. 1,320 S/. 1,417 S/. 93,172
25 S/. 2,737 S/. 1,339 S/. 1,398 S/. 91,833
26 S/. 2,737 S/. 1,359 S/. 1,377 S/. 90,473
27 S/. 2,737 S/. 1,380 S/. 1,357 S/. 89,094
28 S/. 2,737 S/. 1,401 S/. 1,336 S/. 87,693
29 S/. 2,737 S/. 1,422 S/. 1,315 S/. 86,272
30 S/. 2,737 S/. 1,443 S/. 1,294 S/. 84,829
31 S/. 2,737 S/. 1,465 S/. 1,272 S/. 83,364
32 S/. 2,737 S/. 1,486 S/. 1,250 S/. 81,878
33 S/. 2,737 S/. 1,509 S/. 1,228 S/. 80,369
34 S/. 2,737 S/. 1,531 S/. 1,206 S/. 78,838
35 S/. 2,737 S/. 1,554 S/. 1,183 S/. 77,283
36 S/. 2,737 S/. 1,578 S/. 1,159 S/. 75,705
37 S/. 2,737 S/. 1,601 S/. 1,136 S/. 74,104
38 S/. 2,737 S/. 1,625 S/. 1,112 S/. 72,479
39 S/. 2,737 S/. 1,650 S/. 1,087 S/. 70,829
40 S/. 2,737 S/. 1,674 S/. 1,062 S/. 69,155
41 S/. 2,737 S/. 1,700 S/. 1,037 S/. 67,455
42 S/. 2,737 S/. 1,725 S/. 1,012 S/. 65,730
43 S/. 2,737 S/. 1,751 S/. 986 S/. 63,979
44 S/. 2,737 S/. 1,777 S/. 960 S/. 62,202
45 S/. 2,737 S/. 1,804 S/. 933 S/. 60,398
46 S/. 2,737 S/. 1,831 S/. 906 S/. 58,567
47 S/. 2,737 S/. 1,858 S/. 878 S/. 56,708
48 S/. 2,737 S/. 1,886 S/. 851 S/. 54,822
49 S/. 2,737 S/. 1,915 S/. 822 S/. 52,907
50 S/. 2,737 S/. 1,943 S/. 794 S/. 50,964
51 S/. 2,737 S/. 1,972 S/. 764 S/. 48,992
52 S/. 2,737 S/. 2,002 S/. 735 S/. 46,989
53 S/. 2,737 S/. 2,032 S/. 705 S/. 44,957
54 S/. 2,737 S/. 2,063 S/. 674 S/. 42,895
55 S/. 2,737 S/. 2,094 S/. 643 S/. 40,801
56 S/. 2,737 S/. 2,125 S/. 612 S/. 38,676
57 S/. 2,737 S/. 2,157 S/. 580 S/. 36,520
58 S/. 2,737 S/. 2,189 S/. 548 S/. 34,330
59 S/. 2,737 S/. 2,222 S/. 515 S/. 32,108
60 S/. 2,737 S/. 2,255 S/. 482 S/. 29,853
61 S/. 2,737 S/. 2,289 S/. 448 S/. 27,564
62 S/. 2,737 S/. 2,323 S/. 413 S/. 25,241
63 S/. 2,737 S/. 2,358 S/. 379 S/. 22,882
64 S/. 2,737 S/. 2,394 S/. 343 S/. 20,488
65 S/. 2,737 S/. 2,430 S/. 307 S/. 18,059
66 S/. 2,737 S/. 2,466 S/. 271 S/. 15,593
67 S/. 2,737 S/. 2,503 S/. 234 S/. 13,090
68 S/. 2,737 S/. 2,541 S/. 196 S/. 10,549
n 5 años ya 69 S/. 2,737 S/. 2,579 S/. 158 S/. 7,971
tiempo el
1,288.00
n 5 años ya
tiempo el 70 S/.
71 S/.
2,737
2,737
S/.
S/.
2,617
2,657
S/.
S/.
120
80
S/.
S/.
5,353
2,696
1,288.00 72 S/. 2,737 S/. 2,696 S/. 40 -S/. 0
S/. 197,059 S/. 120,000 S/. 77,059 S/. 5,017,288

72

os conviene sacar un prestamo e invertir en GOOGLE asi

ndiramos una rentabiliadad mayor y muy aparte de eso es
o invertir mas no tendriamos que dedicarnos hacer otra
cosa

4 5 6 7
75,000.00 80,000.00 90,000.00 100,000.00

VAN> O ES RENTABLE

VAN ES MAYOR A 0 SERIA RENTABLE PERO COMO SE VE

L EJEMPLO ES NEGATIVO NO ES CONVENIENTE O NO E
RENTABLE
VAN ES MAYOR A 0 SERIA RENTABLE PERO COMO SE VE
L EJEMPLO ES NEGATIVO NO ES CONVENIENTE O NO E
RENTABLE

O ES FACTIBLE. NO
MO LO PREVISTO
OR AL 15%.
 PRESTAMO 3
PRINCIPAL 120000
TIEMPO 7
TASA 20.00%
PAGO MENSU -S/.2,664.74

prestamo 1
N de cuotas CUOTA CAPITAL INTERES SALDO
S/. 120,000.00
1 S/. 2,665 S/. 665 S/. 2,000 S/. 119,335
2 S/. 2,665 S/. 676 S/. 1,989 S/. 118,659
3 S/. 2,665 S/. 687 S/. 1,978 S/. 117,972
4 S/. 2,665 S/. 699 S/. 1,966 S/. 117,274
5 S/. 2,665 S/. 710 S/. 1,955 S/. 116,564
6 S/. 2,665 S/. 722 S/. 1,943 S/. 115,842
7 S/. 2,665 S/. 734 S/. 1,931 S/. 115,108
8 S/. 2,665 S/. 746 S/. 1,918 S/. 114,361
9 S/. 2,665 S/. 759 S/. 1,906 S/. 113,603
10 S/. 2,665 S/. 771 S/. 1,893 S/. 112,831
11 S/. 2,665 S/. 784 S/. 1,881 S/. 112,047
12 S/. 2,665 S/. 797 S/. 1,867 S/. 111,250
13 S/. 2,665 S/. 811 S/. 1,854 S/. 110,439
14 S/. 2,665 S/. 824 S/. 1,841 S/. 109,615
15 S/. 2,665 S/. 838 S/. 1,827 S/. 108,777
16 S/. 2,665 S/. 852 S/. 1,813 S/. 107,925
17 S/. 2,665 S/. 866 S/. 1,799 S/. 107,059
18 S/. 2,665 S/. 880 S/. 1,784 S/. 106,179
19 S/. 2,665 S/. 895 S/. 1,770 S/. 105,284
20 S/. 2,665 S/. 910 S/. 1,755 S/. 104,374
21 S/. 2,665 S/. 925 S/. 1,740 S/. 103,449
22 S/. 2,665 S/. 941 S/. 1,724 S/. 102,508
23 S/. 2,665 S/. 956 S/. 1,708 S/. 101,552
24 S/. 2,665 S/. 972 S/. 1,693 S/. 100,580
25 S/. 2,665 S/. 988 S/. 1,676 S/. 99,591
26 S/. 2,665 S/. 1,005 S/. 1,660 S/. 98,586
27 S/. 2,665 S/. 1,022 S/. 1,643 S/. 97,565
28 S/. 2,665 S/. 1,039 S/. 1,626 S/. 96,526
29 S/. 2,665 S/. 1,056 S/. 1,609 S/. 95,470
30 S/. 2,665 S/. 1,074 S/. 1,591 S/. 94,396
31 S/. 2,665 S/. 1,091 S/. 1,573 S/. 93,305
32 S/. 2,665 S/. 1,110 S/. 1,555 S/. 92,195
33 S/. 2,665 S/. 1,128 S/. 1,537 S/. 91,067
34 S/. 2,665 S/. 1,147 S/. 1,518 S/. 89,920
35 S/. 2,665 S/. 1,166 S/. 1,499 S/. 88,754
36 S/. 2,665 S/. 1,186 S/. 1,479 S/. 87,569
37 S/. 2,665 S/. 1,205 S/. 1,459 S/. 86,363
38 S/. 2,665 S/. 1,225 S/. 1,439 S/. 85,138
39 S/. 2,665 S/. 1,246 S/. 1,419 S/. 83,892
40 S/. 2,665 S/. 1,267 S/. 1,398 S/. 82,626
41 S/. 2,665 S/. 1,288 S/. 1,377 S/. 81,338
42 S/. 2,665 S/. 1,309 S/. 1,356 S/. 80,029
43 S/. 2,665 S/. 1,331 S/. 1,334 S/. 78,698
44 S/. 2,665 S/. 1,353 S/. 1,312 S/. 77,345
45 S/. 2,665 S/. 1,376 S/. 1,289 S/. 75,969
46 S/. 2,665 S/. 1,399 S/. 1,266 S/. 74,571
47 S/. 2,665 S/. 1,422 S/. 1,243 S/. 73,149
48 S/. 2,665 S/. 1,446 S/. 1,219 S/. 71,703
49 S/. 2,665 S/. 1,470 S/. 1,195 S/. 70,233
50 S/. 2,665 S/. 1,494 S/. 1,171 S/. 68,739
51 S/. 2,665 S/. 1,519 S/. 1,146 S/. 67,220
52 S/. 2,665 S/. 1,544 S/. 1,120 S/. 65,676
53 S/. 2,665 S/. 1,570 S/. 1,095 S/. 64,106
54 S/. 2,665 S/. 1,596 S/. 1,068 S/. 62,509
55 S/. 2,665 S/. 1,623 S/. 1,042 S/. 60,886
56 S/. 2,665 S/. 1,650 S/. 1,015 S/. 59,236
57 S/. 2,665 S/. 1,677 S/. 987 S/. 57,559
58 S/. 2,665 S/. 1,705 S/. 959 S/. 55,853
59 S/. 2,665 S/. 1,734 S/. 931 S/. 54,120
60 S/. 2,665 S/. 1,763 S/. 902 S/. 52,357
61 S/. 2,665 S/. 1,792 S/. 873 S/. 50,565
62 S/. 2,665 S/. 1,822 S/. 843 S/. 48,743
63 S/. 2,665 S/. 1,852 S/. 812 S/. 46,890
64 S/. 2,665 S/. 1,883 S/. 782 S/. 45,007
65 S/. 2,665 S/. 1,915 S/. 750 S/. 43,092
66 S/. 2,665 S/. 1,947 S/. 718 S/. 41,146
67 S/. 2,665 S/. 1,979 S/. 686 S/. 39,167
68 S/. 2,665 S/. 2,012 S/. 653 S/. 37,155
69 S/. 2,665 S/. 2,045 S/. 619 S/. 35,110
70 S/. 2,665 S/. 2,080 S/. 585 S/. 33,030
71 S/. 2,665 S/. 2,114 S/. 550 S/. 30,916
72 S/. 2,665 S/. 2,149 S/. 515 S/. 28,766
73 S/. 2,665 S/. 2,185 S/. 479 S/. 26,581
74 S/. 2,665 S/. 2,222 S/. 443 S/. 24,359
75 S/. 2,665 S/. 2,259 S/. 406 S/. 22,100
76 S/. 2,665 S/. 2,296 S/. 368 S/. 19,804
77 S/. 2,665 S/. 2,335 S/. 330 S/. 17,469
78 S/. 2,665 S/. 2,374 S/. 291 S/. 15,096
79 S/. 2,665 S/. 2,413 S/. 252 S/. 12,683
80 S/. 2,665 S/. 2,453 S/. 211 S/. 10,229
81 S/. 2,665 S/. 2,494 S/. 170 S/. 7,735
82 S/. 2,665 S/. 2,536 S/. 129 S/. 5,199
83 S/. 2,665 S/. 2,578 S/. 87 S/. 2,621
84 S/. 2,665 S/. 2,621 S/. 44 S/. 0
S/. 191,862 S/. 91,234 S/. 100,628 S/. 5,946,433