TUYO

Hipoteca:
CA= S/750,000
IGV= S/135,000.00
Precio compra PC= S/885,000.00
TNAKS= 18 %
TET= 0.0440 = 4.40 %
Tiempo= 8 Años= 32 Trim.

Renta para este caso = 52086.0194

Periodos Saldo Interes Amortización Renta IGV Depreciacion fiscal (EF)

0 885,000 0 0 0 0 0 0
1 871,881 38,967 13,119 52,086 9,375 27,656 11,495
2 858,185 38,389 13,697 52,086 9,375 11,325
3 843,885 37,786 14,300 52,086 9,375 11,147
4 828,956 37,157 14,929 52,086 9,375 10,961
5 813,369 36,499 15,587 52,086 9,375 10,767
6 797,096 35,813 16,273 52,086 9,375 10,565
7 780,107 35,097 16,989 52,086 9,375 10,354
8 762,370 34,349 17,737 52,086 9,375 10,133
9 743,851 33,568 18,518 52,086 9,375 9,902
10 724,517 32,752 19,334 52,086 9,375 9,662
11 704,332 31,901 20,185 52,086 9,375 9,411
12 683,259 31,012 21,074 52,086 9,375 9,149
13 661,257 30,084 22,002 52,086 9,375 8,875
14 638,286 29,116 22,970 52,086 9,375 8,589
15 614,305 28,104 23,982 52,086 9,375 8,291
16 589,267 27,048 25,038 52,086 9,375 7,979
17 563,127 25,946 26,140 52,086 9,375 7,654
18 535,835 24,795 27,291 52,086 9,375 7,314
19 507,343 23,593 28,493 52,086 9,375 6,960
20 477,595 22,339 29,747 52,086 9,375 6,590
21 446,538 21,029 31,057 52,086 9,375 6,204
22 414,113 19,661 32,425 52,086 9,375 5,800
23 380,261 18,234 33,852 52,086 9,375 5,379
24 344,918 16,743 35,343 52,086 9,375 4,939
25 308,019 15,187 36,899 52,086 9,375 4,480
26 269,495 13,562 38,524 52,086 9,375 4,001
27 229,275 11,866 40,220 52,086 9,375 3,500
28 187,285 10,095 41,991 52,086 9,375 2,978
29 143,445 8,246 43,840 52,086 9,375 2,433
30 97,675 6,316 45,770 52,086 9,375 1,863
31 49,889 4,301 47,785 52,086 9,375 1,269
32 0 2,197 49,889 52,086 9,375 648
 COK= 32 %
COKT= 0.0719 = 7.19 %

𝐶�=885,000+871,881/ 〖 (1+0.0719) 〗 ^1
+858,185/ 〖 (1+0.0719) 〗 ^2 +.......
CO= 1,262,851

𝐴�=IGV.act+EF.act+ET.act+FAS+FSA+FAS
AO= 212,663.95
VRC= 1,050,187.3

Arrendamiento:

CA= S/750,000
IGV= S/135,000.00
Precio compra PC= S/885,000.00
TEA= 22 %
TET= 0.0510 = 5.10 %
Tiempo= 8 Años= 32 Trim.

Renta para este caso = 56650.9344

Periodos Saldo Interes Amortización Renta IGV Depreciacion fiscal (EF)

0 885,000 0 0 0 0 0 0
1 873,457 45,108 11,543 56,651 10,197 27,656 13,307
2 861,325 44,519 12,132 56,651 10,197 13,133
3 848,575 43,901 12,750 56,651 10,197 12,951
4 835,175 43,251 13,400 56,651 10,197 12,759
5 821,093 42,568 14,083 56,651 10,197 12,558
6 806,292 41,850 14,801 56,651 10,197 12,346
7 790,737 41,096 15,555 56,651 10,197 12,123
8 774,389 40,303 16,348 56,651 10,197 11,889
9 757,208 39,470 17,181 56,651 10,197 11,644
10 739,152 38,594 18,057 56,651 10,197 11,385
11 720,175 37,674 18,977 56,651 10,197 11,114
12 700,230 36,707 19,944 56,651 10,197 10,828
13 679,270 35,690 20,961 56,651 10,197 10,529
14 657,240 34,622 22,029 56,651 10,197 10,213
15 634,088 33,499 23,152 56,651 10,197 9,882
16 609,756 32,319 24,332 56,651 10,197 9,534
17 584,184 31,079 25,572 56,651 10,197 9,168
18 557,309 29,775 26,876 56,651 10,197 8,784
19 529,063 28,406 28,245 56,651 10,197 8,380
20 499,378 26,966 29,685 56,651 10,197 7,955
21 468,180 25,453 31,198 56,651 10,197 7,509
22 435,392 23,863 32,788 56,651 10,197 7,040
23 400,933 22,192 34,459 56,651 10,197 6,547
24 364,717 20,435 36,216 56,651 10,197 6,028
25 326,655 18,589 38,062 56,651 10,197 5,484
26 286,654 16,649 40,002 56,651 10,197 4,912
27 244,613 14,610 42,040 56,651 10,197 4,310
28 200,430 12,468 44,183 56,651 10,197 3,678
29 153,995 10,216 46,435 56,651 10,197 3,014
30 105,193 7,849 48,802 56,651 10,197 2,315
31 53,904 5,362 51,289 56,651 10,197 1,582
32 0 2,747 53,904 56,651 10,197 810

COK= 32 %
COKT= 0.0719 = 7.19 %

𝐶�=885,000+873,457/ 〖 (1+0.0719) 〗 ^1
+861,325/ 〖 (1+0.0719) 〗 ^2 +.......
CO= 1,329,515

𝐴�=IGV.act+EF.act+ET.act+FAS+FSA+FAS
AO= 358,813.65
VRC= 970,701.1

COMPARACION :

EN HIPOTECA: VRC= 1,050,187.3 SE OBSERVA QUE EN

HIPOTECA ES MAYOR QU
EN ARRIENDA: VRC= 970,701.1 ARRIENDA POR LO TAN
ESCOGERIA LA 2da OP
 DE TU
Hipoteca:

Precio compr

NOTA: En Hipoteca no hay IGV

CO AO
esc. Tribut (ET) RESULTADO 0.00 IGV.act Periodos Saldo
0 885,000 101,197.83 ET. Act 0 1,121,000
8,159 36354.2252 10,724.50 1 1,087,397
33413.7644 9,857.06 2 1,052,086
30683.533 9,051.64 3 1,014,980
28149.0949 8,303.98 4 975,987
25796.991 7,610.11 5 935,012
23614.6732 6,966.33 6 891,954
21590.4432 6,369.18 7 846,707
19713.3953 5,815.45 8 799,160
17973.363 5,302.14 9 749,195
16360.869 4,826.46 10 696,691
14867.0793 4,385.79 11 641,517
13483.7594 3,977.71 12 583,538
12203.2343 3,599.95 13 522,612
11018.3504 3,250.41 14 458,588
9922.44061 2,927.12 15 391,310
8909.2915 2,628.24 16 320,611
7973.11269 2,352.07 17 246,318
7108.50834 2,097.01 18 168,248
6310.45051 1,861.58 19 86,209
5574.25435 1,644.41 20 0
4895.55492 1,444.19
4270.2856 1,259.73
3694.65796 1,089.92
3165.14291 933.72
2678.45323 790.14
2231.5272 658.30
1821.5133 537.35
1445.75606 426.50
1101.78274 325.03
787.290992 232.25
500.137263 147.54
238.326083 70.31
 COK=
COKT=

𝐶�=885,000+871,8
+858,185/ 〖 (1+0.07
CO=

𝐴�=IGV.act+EF.act+ET
AO=
VRC=

Arrendamiento:

NOTA: En Arrendamiento si hay IGV

CO AO
esc. Tribut (ET) RESULTADO 126,483.97 IGV.act
0 885,000 101,197.83 ET. Act
8,159 42083.0265 12,414.49
38749.0994 11,430.98
35648.7125 10,516.37
32766.0112 9,665.97
30086.2078 8,875.43
27595.51 8,140.68
25281.054 7,457.91
23130.8418 6,823.60
21133.684 6,234.44
19279.1445 5,687.35
17557.4904 5,179.46
15959.6449 4,708.10
14477.1431 4,270.76
13102.0906 3,865.12
11827.1258 3,489.00
10645.3836 3,140.39
9550.46232 2,817.39
8536.39237 2,518.24
7597.60744 2,241.29
 6728.91722 1,985.03
5925.48223 1,748.02
5182.79022 1,528.92
4496.63415 1,326.51
3863.09171 1,139.61
3278.50614 967.16
2739.46841 808.14
2242.80053 661.63
1785.54003 526.73
1364.92543 402.65
978.382785 288.62
623.512976 183.94
298.080007 87.93

OBSERVA QUE EN
CA ES MAYOR QUE LA
NDA POR LO TANTO
ERIA LA 2da OPCION
 DE TU AMIGA :V

CA= S/950,000
IGV= S/171,000.00
PC= S/1,121,000.00
TNAKM= 20 %
TET= 0.0508 = 5.08 %
Tiempo= 5 Años= 20 Trim.

Renta para este caso = 90592.163

Interes Amortización Renta IGV Depreciacion fiscal (EF) esc. Tribut (ET)
0 0 0 0 0 0 0
56,989 33,603 90,592 16,307 56,050 16,812 16,535
55,281 35,311 90,592 16,307 16,308
53,486 37,106 90,592 16,307 15,778
51,600 38,993 90,592 16,307 15,222
49,617 40,975 90,592 16,307 14,637
47,534 43,058 90,592 16,307 14,023
45,345 45,247 90,592 16,307 13,377
43,045 47,547 90,592 16,307 12,698
40,628 49,965 90,592 16,307 11,985
38,088 52,505 90,592 16,307 11,236
35,418 55,174 90,592 16,307 10,448
32,613 57,979 90,592 16,307 9,621
29,666 60,926 90,592 16,307 8,751
26,569 64,024 90,592 16,307 7,838
23,314 67,278 90,592 16,307 6,878
19,893 70,699 90,592 16,307 5,869
16,299 74,293 90,592 16,307 4,808
12,522 78,070 90,592 16,307 3,694
8,553 82,039 90,592 16,307 2,523
4,383 86,209 90,592 16,307 1,293
 30 %
0.0678 = 6.78 %

𝐶�=885,000+871,881/ 〖 (1+0.0719) 〗 ^1
+858,185/ 〖 (1+0.0719) 〗 ^2 +.......
1,544,135

𝐴�=IGV.act+EF.act+ET.act+FAS+FSA+FAS
303,043.85
1,241,091.24

rrendamiento:
 CO AO
RESULTADO 0.00 IGV.act
1,121,000 178,219.00 ET. Act
53167.9934 15,684.56
48115.9852 14,194.22
43431.9141 12,812.41
39090.536 11,531.71
35068.3103 10,345.15
31343.2864 9,246.27
27894.996 8,229.02
24704.354 7,287.78
21753.5656 6,417.30
19026.039 5,612.68
16506.3052 4,869.36
14179.9423 4,183.08
12033.5048 3,549.88
10054.4583 2,966.07
8231.11811 2,428.18
6552.59207 1,933.01
5008.72724 1,477.57
3590.06014 1,059.07
2287.7704 674.89
1093.63741 322.62