Stedman Place Case Spanish

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Resolución caso Stedman Place, ¿Comprar o arrendar?
FINANZAS I

Alexandra Godoy - Carlos Cabello – Claudio Noemi – Cristobal Barahona – Matías Jimenez

Caso Stedman Place, ¿Comprar o arrendar?
En primer lugar se decide estudiar el caso de arrendar o comprar por separado para luego poder visualizar y comparar los costos de cada decisión a tomar. Los antecedentes del caso se consideran en cada etapa del desarrollo necesario de costos e ingresos relevantes para la toma de decisiones.

En el caso de arrendar debemos tener en cuenta lo siguiente: 1.- Pago mensual del arriendo Antecedentes: - Tenemos que existe un aumento de $3.000 a $3.600 el valor del arriendo de la vivienda mensual. Y este aumento de valor también está sujeto a la inflación en los siguientes periodos. - Existe un bono de los Linton de $150.000 que generan un 4,9% anual antes de impuestos por 5 años. - Existe inflación estimada del 3% anual (Considerada fija). - Al quinto año, los Linton se mudarán al Norte de California. - Las investigaciones muestran que podrían obtener una casa con las mismas características a $600.000. Cabe mencionar que ambas casas son casi sustitutas perfectas, por lo cual no existen otros costos alternativos para el cambio de casa. Con los puntos de referencia anterior podemos estimar el valor presente de los costos asociados. Tomando en cuenta que el aumento de la renta después del primer año será el valor porcentual igual a la inflación anual (3%), entonces podemos calcular: PV = Renta año 1 + Renta año 2 + Renta año 3 + Renta año 4 + Renta año 5. Todos estos valores traídos al presente, lo que equivale a: PV = 12*3600*(1,03)0 + 12*3600*(1,03)1 + 12*3600*(1,03)2 + 12*3600*(1,03)3 + 12*3600*(1,03)4 PV = $229.354,67

En el caso de comprar tenemos lo siguiente: 1.- Hipoteca Antecedentes: - Existe el bono de tesorería de $150.000 el cual se venderá a $120.000 para darle…...

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