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Let's break down the problem and solve it step by step.

**Problem:** We are asked to calculate the *Valor Presente Neto* (Net Present Value or NPV) of an investment plan offered to a company called *SUPER HABITA* for $50,000 million over a period of 5 years, generating a monthly return of 2.5%. The plan will return monthly payments that increase by $10 million each month (starting from the second month). The opportunity cost for the company is 2.5% per month.

### Data provided:
- Initial investment: $50,000 million (or $50,000,000,000)
- Duration: 5 years
- Monthly return: 2.5%
- Monthly increase in payment: $10 million (starting from the second month)
- Opportunity cost: 2.5% monthly

### Steps to solve:

1. **Define the cash flows:**
   - The first month's return is $0.
   - Starting from the second month, the payment increases by $10 million each month.

   Let $ CF_n $ be the cash flow at month $ n $. The cash flows will follow this pattern:

   \[
   CF_2 = 10,000,000
   \]
   \[
   CF_3 = 20,000,000
   \]
   \[
   CF_4 = 30,000,000
   \]
   \[
   \dots
   \]
   The general formula for month $ n $ (starting from month 2) will be:
   \[
   CF_n = (n-1) \times 10,000,000
   \]

2. **Calculate the Net Present Value (NPV):**
   The formula for NPV is:

   \[
   NPV = \sum_{n=1}^{N} \frac{CF_n}{(1 + r)^n} - C_0
   \]
   Where:
   - $ CF_n $ is the cash flow at month $ n $,
   - $ r $ is the discount rate (2.5% = 0.025),
   - $ C_0 $ is the initial investment ($50,000 million).

   The cash flow lasts for 5 years, so $ N = 60 $ months.

3. **Discount rate:** The monthly discount rate is 2.5%, or 0.025.

Let me now calculate the NPV.The Net Present Value (NPV) of the investment plan is approximately $-43,091,343,514.94$ or about -43.1 billion dollars. This negative NPV suggests that the investment plan is not financially viable for the company under the given conditions, as the returns do not outweigh the initial investment and opportunity cost.

Would you like more details on any part of this solution, or do you have any questions?

Here are five related questions:
1. How does a change in the opportunity cost affect the NPV calculation?
2. What is the significance of a negative NPV in investment decisions?
3. How would the result change if the monthly return rate were higher?
4. Could the project be viable if the initial investment were lower?
5. How can the internal rate of return (IRR) be used to assess this project?

**Tip:** When calculating NPV, always make sure to correctly adjust for the timing of the cash flows to avoid miscalculations.

Calcule el Valor Presente Neto de un plan de inversión ofrecido a la empresa SUPER HABITA por $50.000 millones a cinco años generando una rentabilidad del 2,5% mensual, dicho plan devuelve cuotas mensuales que se incrementarán en $10.000.000 por mes (contado dicho incremento desde la segunda cuota), el costo de oportunidad para la empresa del 2,5% mensual.

Learn how to calculate the Net Present Value (NPV) for a 50 billion investment with a 2.5% monthly return over 5 years. This detailed solution explains cash flows, discount rates, and opportunity cost. Suitable for finance students and professionals.

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