Stedman Place: zComprar o alquilar?

Opcion de Alquilar
Importe
Alquiler Mensual $3,000.00
Incremento de Alquiler $600.00
Nuevo alquiler mensual $3,600.00

Opcion de Comprar
Valor de compra de casa N°1 $620,000.00
Valor de compra de casa N°2 $600,000.00
Hipoteca
Pago inicial 20% $120,000.00
Valor a financiar $480,000.00
Tiempo de financiamiento 30 años
Tasa de interes 6% anual x 5 años
Costos legales $4,500.00
Impuestos a la propiedad $5,616.00
Mantenimiento $6,000.00
Seguro de Vivienda
Año 1 $1,200.00
Año 2 $1,260.00
Año 3 $1,323.00
Año 4 $1,389.15
Año 5 $1,458.61

Hipoteca
Saldo interes Amortización cuota
0 $480,000.00
1 $473,928.52 $28,800.00 $6,071.48 $34,871.48
2 $467,492.76 $28,435.71 $6,435.77 $34,871.48
3 $460,670.84 $28,049.57 $6,821.91 $34,871.48
4 $453,439.62 $27,640.25 $7,231.23 $34,871.48
5 $445,774.52 $27,206.38 $7,665.10 $34,871.48
6 $437,649.51 $26,746.47 $8,125.01 $34,871.48
7 $429,037.00 $26,258.97 $8,612.51 $34,871.48
8 $419,907.75 $25,742.22 $9,129.26 $34,871.48
 9 $410,230.73 $25,194.46 $9,677.01 $34,871.48
10 $399,973.10 $24,613.84 $10,257.63 $34,871.48
11 $389,100.01 $23,998.39 $10,873.09 $34,871.48
12 $377,574.53 $23,346.00 $11,525.48 $34,871.48
13 $365,357.53 $22,654.47 $12,217.01 $34,871.48
14 $352,407.50 $21,921.45 $12,950.03 $34,871.48
15 $338,680.47 $21,144.45 $13,727.03 $34,871.48
16 $324,129.82 $20,320.83 $14,550.65 $34,871.48
17 $308,706.13 $19,447.79 $15,423.69 $34,871.48
18 $292,357.03 $18,522.37 $16,349.11 $34,871.48
19 $275,026.97 $17,541.42 $17,330.06 $34,871.48
20 $256,657.11 $16,501.62 $18,369.86 $34,871.48
21 $237,185.06 $15,399.43 $19,472.05 $34,871.48
22 $216,544.69 $14,231.10 $20,640.37 $34,871.48
23 $194,665.89 $12,992.68 $21,878.80 $34,871.48
24 $171,474.36 $11,679.95 $23,191.52 $34,871.48
25 $146,891.35 $10,288.46 $24,583.02 $34,871.48
26 $120,833.35 $8,813.48 $26,058.00 $34,871.48
27 $93,211.88 $7,250.00 $27,621.48 $34,871.48
28 $63,933.11 $5,592.71 $29,278.76 $34,871.48
29 $32,897.62 $3,835.99 $31,035.49 $34,871.48
30 $0.00 $1,973.86 $32,897.62 $34,871.48
mprar o alquilar?

Meses/Años 1 2 3 4
1 $3,600.00 $3,600.00 $3,600.00 $3,600.00
2 $3,600.00 $3,600.00 $3,600.00 $3,600.00
3 $3,600.00 $3,600.00 $3,600.00 $3,600.00
4 $3,600.00 $3,600.00 $3,600.00 $3,600.00
5 $3,600.00 $3,600.00 $3,600.00 $3,600.00
6 $3,600.00 $3,600.00 $3,600.00 $3,600.00
7 $3,600.00 $3,600.00 $3,600.00 $3,600.00
8 $3,600.00 $3,600.00 $3,600.00 $3,600.00
9 $3,600.00 $3,600.00 $3,600.00 $3,600.00
10 $3,600.00 $3,600.00 $3,600.00 $3,600.00
11 $3,600.00 $3,600.00 $3,600.00 $3,600.00
12 $3,600.00 $3,600.00 $3,600.00 $3,600.00
$43,200.00 $43,200.00 $43,200.00 $43,200.00

0 1 2 3 4

Inversión $480,000.00 -$28,800.00 -$28,435.71 -$28,049.57 -$27,640.25

Costos legales -$4,500.00
Impuestos a la propiedad -$5,616.00 -$5,616.00 -$5,616.00 -$5,616.00
Mantenimiento -$6,000.00 -$6,180.00 -$6,365.40 -$6,556.36
Seguro de Vivienda -$1,200.00 -$1,260.00 -$1,323.00 -$1,389.15

-$46,116.00 -$41,491.71 -$41,353.97 -$41,201.76

Total Inversion en 5 años

Por lo tanto, les conviene alquilar la casa porque es menor salida de dinero.
 5 Total Gasto
$3,600.00
$3,600.00
$3,600.00
$3,600.00
$3,600.00
$3,600.00
$3,600.00
$3,600.00
$3,600.00
$3,600.00
$3,600.00
$3,600.00
$43,200.00 $216,000.00

5 Total Inversion

-$27,206.38 -$140,131.90
-$4,500.00
-$5,616.00 -$28,080.00
-$6,753.05 -$31,854.81
-$1,458.61 -$6,630.76

-$41,034.04 -$211,197.48

Pago inicial $120,000.00

Total Inversion en 5 años $331,197.48

salida de dinero.
Stedman Place: zComprar o alquilar?
uilar?