Modelo prolab: Inmueblefact, una plataforma para obtener información de inmuebles saneados para su compra y venta segura
Date
2023-11-15
Journal Title
Journal ISSN
Volume Title
Publisher
Pontificia Universidad Católica del Perú
Abstract
En Perú, existen múltiples casos de estafas relacionadas con la compraventa de
inmuebles debido a la falta de conocimiento de la documentación necesaria para corroborar si
un inmueble está completamente saneado generando desconfianza a la hora de adquirir un
inmueble. Adicionalmente, las personas disponen de poco tiempo para realizar trámites
engorrosos para conseguir toda la documentación del inmueble.
Por ello, InmuebleFact brinda información detallada de inmuebles registrados en la
ciudad de Lima. La propuesta se orienta a adultos entre 25 y 55 años del nivel
socioeconómico A, B y C quienes están en búsqueda de la documentación de un inmueble
para conocer su estado legal y evitar ser sorprendidos por estafadores inmobiliarios.
En vista que es una propuesta de negocio startup, la tasa de descuento es de 15% y un
costo de deuda de 8%. Teniendo en cuenta el análisis financiero presentado en este informe,
se obtiene un Costo Promedio Ponderado de Capital de 11.21%. Luego de obtener el Flujo de
caja libre para los próximos cinco años, el valor actual neto es de $ 1,205,464 y una tasa
interna de retorno de 482%, concluyendo que el proyecto es viable. Adicionalmente, para
determinar el valor actual social neto del proyecto, el Ministerio de Economía y Finanzas
menciona que la tasa social de descuento es equivalente al 8%, logrando un valor actual
social neto de $ 848,549.
Esta propuesta va a contribuir al cumplimiento de dos Objetivos de Desarrollo
Sostenible (ODS) mencionados en la Agenda 2023 aprobada por la Organización de las
Naciones Unidas: (a) Trabajo decente y crecimiento económico, debido a que genera empleo
a profesionales e (b) Industria, innovación e infraestructura, ya que brinda a los compradores
de inmuebles la tecnología de geolocalización para detectar los inmuebles totalmente
saneados y la opción de tener la documentación requerida en corto tiempo.
In Peru, there are multiple cases of scams related to the purchase and sale of real estate due to the lack of knowledge of the necessary documentation to verify if a property is completely legal, generating distrust at the time of acquiring a property. Additionally, people have little time to carry out procedures to obtain all the documentation of the property. Therefore, InmuebleFact provides detailed information on registered real estate in the city of Lima. The proposal is aimed at adults between 25 and 55 years of age of socioeconomic level A, B and C who are looking for the documentation of a property to know its legal status and avoid being surprised by real estate scammers. Since this is a startup business proposal, the discount rate is 15% and a cost of debt of 8%. Considering the financial analysis presented in this document, a Weighted Average Cost of Capital of 11.21% is obtained. After obtaining the Free Cash Flow for the next five years, the net present value is $ 1,205,464 and an internal rate of return of 482%, concluding that the project is viable. Additionally, to determine the social net present value of the project, the Ministry of Economy and Finance mentions that the social discount rate is equivalent to 8%, achieving a social net present value of $ 848,549. This proposal will contribute to the fulfillment of two Sustainable Development Goals mentioned in the Agenda 2023 approved by the United Nations: (a) Decent work and economic growth, because it generates employment for professionals and (b) Industry, innovation and infrastructure, since it provides buyers of real estate with geolocation technology to detect fully formalized properties and the option of having the required documentation in a short time.
In Peru, there are multiple cases of scams related to the purchase and sale of real estate due to the lack of knowledge of the necessary documentation to verify if a property is completely legal, generating distrust at the time of acquiring a property. Additionally, people have little time to carry out procedures to obtain all the documentation of the property. Therefore, InmuebleFact provides detailed information on registered real estate in the city of Lima. The proposal is aimed at adults between 25 and 55 years of age of socioeconomic level A, B and C who are looking for the documentation of a property to know its legal status and avoid being surprised by real estate scammers. Since this is a startup business proposal, the discount rate is 15% and a cost of debt of 8%. Considering the financial analysis presented in this document, a Weighted Average Cost of Capital of 11.21% is obtained. After obtaining the Free Cash Flow for the next five years, the net present value is $ 1,205,464 and an internal rate of return of 482%, concluding that the project is viable. Additionally, to determine the social net present value of the project, the Ministry of Economy and Finance mentions that the social discount rate is equivalent to 8%, achieving a social net present value of $ 848,549. This proposal will contribute to the fulfillment of two Sustainable Development Goals mentioned in the Agenda 2023 approved by the United Nations: (a) Decent work and economic growth, because it generates employment for professionals and (b) Industry, innovation and infrastructure, since it provides buyers of real estate with geolocation technology to detect fully formalized properties and the option of having the required documentation in a short time.
Description
Keywords
Registro de la propiedad--Perú, Compraventa–Perú, Servicios digitales
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