本帖最后由 yevon_ou 于 2014-2-6 15:53 编辑
http://www.shuiku.net/forum.php?mod=viewthread&tid=19610
西瓜:
我做了一个详细的表格。excel文件见附件。让我解释一下。
首先,让我们抓住一个不变量,就是“现金”。
做生意,真金白银掏出来。才算是你的出力。否则口头上都是虚的,都是空的。
在本例中,我们把“小伙伴”“西瓜”的现金流量表分别列出来,具体如下。
对于“小伙伴”来说,她是一分钱也没有支出的。无论是买房子,还是税费,她的现金支出为零。
相反的,按照你最原始的计划,小伙伴甚至还可以每个月“收入”5000元现金。所以在现金流量表上面,她的表现为负数。
而西瓜太妹本人,最初的买房款,税费,西瓜一分钱也不用付。从月供开始后,每个月净流出现金55000元。(60000月供-5000租金)
这样,连续六十个月之后,小伙伴对整个团队的贡献为负数-367384,西瓜太妹对整个团队的贡献为4,062,870
因为你最初的贷款500W是借小伙伴的,算给她十万元作人情。房票也是借人家的,也算十万元人情。
如果这套房子卖掉,你必需清偿的是:剩余银行贷款298W+西瓜太妹份额406W+佣金房票20W-小伙伴负贡献36W=688W
这个688W,是盈亏平衡点。如果你要商量合伙,入股,分账。譬如按照50% vs 50%,40% vs 60%,30% vs 70%,则在688W到手价的基础上,多贴少补。
西瓜太妹合作买房试算表.rar (9.43 KB, 下载次数: 73)
利率: | 8% | | | | | | | | | | | | | | | | | | | | | | | | | | | | 小伙伴现金支出 | 复利累计 | | 西瓜现金支出 | 复利累计 | | 剩余贷款 | | | | | | | | | | 2014/1/1 | 购房款: | 0 | | | 0 | | | | | 税费 | 0 | | | 0 | | | -5000000 | | | | | | | | | | 2014/4/1 | 月供: | -5000 | -5000 | | ¥55,295 | 55295 | | 4972455 | 2014/5/1 | | -5000 | -10033 | | ¥55,295 | 110958 | | 4944730 | 2014/6/1 | | -5000 | -15100 | | ¥55,295 | 166992 | | 4916824 | 2014/7/1 | | -5000 | -20201 | | ¥55,295 | 223400 | | 4888735 | 2014/8/1 | | -5000 | -25336 | | ¥55,295 | 280184 | | 4860461 | 2014/9/1 | | -5000 | -30504 | | ¥55,295 | 337346 | | 4832003 | 2014/10/1 | | -5000 | -35708 | | ¥55,295 | 394890 | | 4803358 | 2014/11/1 | | -5000 | -40946 | | ¥55,295 | 452817 | | 4774525 | 2014/12/1 | | -5000 | -46219 | | ¥55,295 | 511130 | | 4745504 | 2015/1/1 | | -5000 | -51527 | | ¥55,295 | 569832 | | 4716292 | 2015/2/1 | | -5000 | -56870 | | ¥55,295 | 628926 | | 4686889 | 2015/3/1 | | -5000 | -62250 | | ¥55,295 | 688413 | | 4657294 | 2015/4/1 | | -5000 | -67665 | | ¥55,295 | 748297 | | 4627505 | 2015/5/1 | | -5000 | -73116 | | ¥55,295 | 808580 | | 4597520 | 2015/6/1 | | -5000 | -78603 | | ¥55,295 | 869265 | | 4567340 | 2015/7/1 | | -5000 | -84127 | | ¥55,295 | 930355 | | 4536961 | 2015/8/1 | | -5000 | -89688 | | ¥55,295 | 991852 | | 4506384 | 2015/9/1 | | -5000 | -95286 | | ¥55,295 | 1053759 | | 4475606 | 2015/10/1 | | -5000 | -100921 | | ¥55,295 | 1116078 | | 4444627 | 2015/11/1 | | -5000 | -106594 | | ¥55,295 | 1178813 | | 4413444 | 2015/12/1 | | -5000 | -112305 | | ¥55,295 | 1241967 | | 4382058 | 2016/1/1 | | -5000 | -118053 | | ¥55,295 | 1305541 | | 4350466 | 2016/2/1 | | -5000 | -123840 | | ¥55,295 | 1369539 | | 4318667 | 2016/3/1 | | -5000 | -129666 | | ¥55,295 | 1433964 | | 4286660 | 2016/4/1 | | -5000 | -135530 | | ¥55,295 | 1498818 | | 4254443 | 2016/5/1 | | -5000 | -141434 | | ¥55,295 | 1564105 | | 4222015 | 2016/6/1 | | -5000 | -147377 | | ¥55,295 | 1629827 | | 4189374 | 2016/7/1 | | -5000 | -153359 | | ¥55,295 | 1695987 | | 4156520 | 2016/8/1 | | -5000 | -159382 | | ¥55,295 | 1762588 | | 4123451 | 2016/9/1 | | -5000 | -165444 | | ¥55,295 | 1829633 | | 4090165 | 2016/10/1 | | -5000 | -171547 | | ¥55,295 | 1897125 | | 4056661 | 2016/11/1 | | -5000 | -177691 | | ¥55,295 | 1965067 | | 4022937 | 2016/12/1 | | -5000 | -183875 | | ¥55,295 | 2033462 | | 3988993 | 2017/1/1 | | -5000 | -190101 | | ¥55,295 | 2102313 | | 3954826 | 2017/2/1 | | -5000 | -196369 | | ¥55,295 | 2171623 | | 3920436 | 2017/3/1 | | -5000 | -202678 | | ¥55,295 | 2241395 | | 3885820 | 2017/4/1 | | -5000 | -209029 | | ¥55,295 | 2311633 | | 3850978 | 2017/5/1 | | -5000 | -215423 | | ¥55,295 | 2382338 | | 3815907 | 2017/6/1 | | -5000 | -221859 | | ¥55,295 | 2453515 | | 3780607 | 2017/7/1 | | -5000 | -228338 | | ¥55,295 | 2525166 | | 3745075 | 2017/8/1 | | -5000 | -234860 | | ¥55,295 | 2597295 | | 3709311 | 2017/9/1 | | -5000 | -241426 | | ¥55,295 | 2669905 | | 3673312 | 2017/10/1 | | -5000 | -248035 | | ¥55,295 | 2742999 | | 3637078 | 2017/11/1 | | -5000 | -254689 | | ¥55,295 | 2816580 | | 3600606 | 2017/12/1 | | -5000 | -261387 | | ¥55,295 | 2890652 | | 3563896 | 2018/1/1 | | -5000 | -268129 | | ¥55,295 | 2965217 | | 3526945 | 2018/2/1 | | -5000 | -274917 | | ¥55,295 | 3040280 | | 3489752 | 2018/3/1 | | -5000 | -281750 | | ¥55,295 | 3115843 | | 3452315 | 2018/4/1 | | -5000 | -288628 | | ¥55,295 | 3191910 | | 3414633 | 2018/5/1 | | -5000 | -295552 | | ¥55,295 | 3268484 | | 3376705 | 2018/6/1 | | -5000 | -302522 | | ¥55,295 | 3345568 | | 3338527 | 2018/7/1 | | -5000 | -309539 | | ¥55,295 | 3423167 | | 3300100 | 2018/8/1 | | -5000 | -316603 | | ¥55,295 | 3501282 | | 3261421 | 2018/9/1 | | -5000 | -323714 | | ¥55,295 | 3579919 | | 3222489 | 2018/10/1 | | -5000 | -330872 | | ¥55,295 | 3659079 | | 3183302 | 2018/11/1 | | -5000 | -338077 | | ¥55,295 | 3738768 | | 3143858 | 2018/12/1 | | -5000 | -345331 | | ¥55,295 | 3818988 | | 3104156 | 2019/1/1 | | -5000 | -352633 | | ¥55,295 | 3899742 | | 3064193 | 2019/2/1 | | -5000 | -359984 | | ¥55,295 | 3981035 | | 3023969 | 2019/3/1 | | -5000 | -367384 | | ¥55,295 | 4062870 | | 2983482 | | | | | | | | | | 2014/1/1 | 代贷款佣金 | | 100000 | | | | | | 2019/3/1 | 房票 | | 100000 | | | | | | 总计:
| | | -167384 | | | 4062870 | | 2983482 | | | | | | | | | | 盈亏平衡点: | | 6878967 | | | | |
|