Ithemba lotyalo-mali lwezindlu nomhlaba liyahenda, ngakumbi ukuba uzama ukuqokelela ubutyebi. Kodwa ukuba umtsha ngokupheleleyo kumdlalo, unokuziva ucinezelekile kumthamo wolwazi lokufunda kunye neziphumo ezinokubakho zokwenza isigqibo esibi.
Ngoko uqalisa njani kule ntsimi ngendlela ekuseta ngayo impumelelo yexesha elide?
Kutheni i-Real Estate ibhenela kubaTyali-mali
Ngokungafaniyo nezabelo okanye iibhondi, izindlu nomhlaba ziyabonakala. Ungahambahamba kwipropati, ubone amandla ayo, kwaye wenze uphuculo oluya kwandisa ixabiso layo ngokuthe ngqo. Ivelisa imali ngeendlela ezininzi, ngengeniso yerenti, uxabiso, kwaneenzuzo zerhafu. Izindlu nomhlaba zihlala zisebenza kakuhle ngamaxesha okunyuka kwamaxabiso kuba amaxabiso erenti kunye nezindlu zihlala zinyuka ngexabiso lokuphila - kwaye okwangoku, ityala onalo ngemboleko yakho yemali mboleko liya kuncipha ngexabiso lokwenyani.
Kwabaqalayo, lo mxube wokuzinza kunye nokuguquguquka unomdla. Izindlu ezithengiswayo azikho mngciphekweni, kunjalo, kodwa ngokucwangcisa ngobuchule, zibonelela ngolawulo olungaphezulu kunolunye utyalo-mali oluninzi.
Ukuqalisa ngeePropati zokuRenta
Enye yezona ndawo ziqhelekileyo zokungena kukuthenga indawo enye yokurenta. Ikhaya elinosapho olunye, i-duplex, okanye isakhiwo esincinci esineflethi sinokubonelela ngengeniso ezinzileyo ngelixa kusakhiwa ubulungisa ngokuhamba kwexesha.
Ukuphumelela, indawo ngokuqinisekileyo yeyona nto ibalulekileyo ekufuneka iqwalaselwe. Iipropathi ezikwiindawo ezinokukhula okuqinileyo kwemisebenzi, izikolo ezilungileyo, kunye nezinto ezifikelelekayo zitsala abaqeshi abathembekileyo. Phambi kokuthenga, sebenzisa izibalo ezineenkcukacha: irenti yenyanga kufuneka ihlawule imali-mboleko yakho, irhafu, i-inshurensi, kunye nesondlo esilindelekileyo, kunye nendawo yokwenza inzuzo.
Ukuqeshwa komhlaba kuza kunye noxanduva. Kuya kufuneka ujonge abaqeshi, uphathe ukulungisa, kwaye ulawule imali. Kwabo bakhetha indlela yokuvula izandla, ukuqesha inkampani yolawulo lwepropathi inokuthatha le misebenzi, nangona inciphisa imida yakho kancinci.
Ukuphonononga iLizwe leNdlu yokuphephuka
Ukutshintsha izakhiwo kuquka ukuthenga iipropati ezingaxatyiswanga kakhulu, ukuzihlaziya, kunye nokuthengisa ngenzuzo . Kunomtsalane kwabo banandipha iiprojekthi ezisebenzayo kwaye bafuna imbuyekezo ekhawulezileyo kunokuba irenti idla ngokubonelela.
Nangona kunjalo, ukuphaphazela akukho mngcipheko. Iindleko zokuhlaziya zihlala zidlula uhlahlo lwabiwo-mali, kwaye iimarike zezindlu zinokutshintsha ngelixa usasebenza kwipropati. Impumelelo ifuna ulindelo oluyinyani, inethiwekhi yekontraka eyomeleleyo, kunye neliso apho uphuculo longeza elona xabiso. Abaqalayo bahlala besenza ngcono ukuqala kancinci, njengokuphuculwa kwezithambiso, phambi kokujongana neeprojekthi ezinkulu zesakhiwo.
Iindlela ezizezinye ekufuneka ziqwalaselwe
Iipropati ezirentwayo kunye nokuguquguquka ayizizo kuphela iindlela zabatyali-zimali abatsha.
- Iitrasti zotyalo-mali lwezindlu nezindlu (REITs). Ukuthenga izabelo kwi-REIT kukuvumela ukuba utyale imali kwi-real estate ngaphandle kokuba nepropathi ngokuthe ngqo. Banikezela ngokutyhileka kwimarike kwaye bahlala behlawula izabelo.
- Real estate crowdfunding. Amaqonga avumela abantu ukuba badibanise izibonelelo kwiiprojekthi ezinkulu, ukwenza umhlaba ufikeleleke ngakumbi ngeemali ezincinci ezikhutshwayo.
- Iirenti zeholide. Irenti zexeshana elifutshane kwiindawo ezilungele abakhenkethi zingenza ingeniso ephezulu kuneeqeshiso zexesha elide kodwa zifuna ulawulo olungakumbi kunye nokuthotyelwa kwemithetho yasekuhlaleni.
Olu khetho lunika abaqalayo ukuguquguquka ngokuxhomekeke kwindlela abafuna ukubandakanyeka ngayo.
Ukuxhasa ngemali iDibano lakho lokuqala
Imali-mboleko yendlu idla ngokuba yeyona nto ibangela ingxaki enkulu. Iimali-mboleko zemveli ziyafumaneka kodwa zihlala zifuna iintlawulo ezinkulu zokuqala zepropathi zotyalo-mali kunezindlu zokuhlala eziphambili, kwaye amazinga enzala nawo anokuba phezulu. Ezinye iindlela ziquka iimali-mboleko zepotifoliyo ezivela kwiibhanki zasekuhlaleni, ubudlelwane nabanye abatyali-mali, okanye ukusebenzisa i-home equity ekhoyo. Nangona oku kunokunceda, kubalulekile ukuba ungasebenzisi imali eninzi kakhulu , njengoko ukuboleka imali ngamandla kakhulu yenye yezona mpazamo zixhaphakileyo ezenziwa ngabatyali-mali abatsha. Soloko ushiya umqamelo wemali weendleko ezingalindelekanga.
Iimpazamo zoMqali oqhelekileyo onokuziphepha
Abatyali-zimali abatsha badla ngokukhubeka ngokujongela phantsi iindleko, ngokusilela ukunika ingxelo ngezithuba, okanye ukuhlawulela kakhulu iipropati ngenxa yemincili. Abanye bagxalathelana ukuya kuhlaziyo bengawuqondi ngokupheleleyo umda womsebenzi. Abanye bathenga kwindawo engafanelekanga, bebeka phambili ipropathi “engabizi kakhulu” kunenye enemfuno yerenti okanye ukukhula okunokwenzeka. Umonde ubalulekile; ukuthatha ixesha lokuphanda iimarike, ukufunda kubatyali-mali abanamava, nokwakha iqela lenkxaso elithembekileyo linciphisa umngcipheko.
Ukwakha iSicwangciso seXesha elide
I-real estate inamandla kakhulu xa ifikelelwa ngeenjongo zexesha elide engqondweni. Abanye abatyali-mali bajonge ingeniso ezinzileyo ukongeza kumhlalaphantsi, ngelixa abanye begxile ekwakheni ubutyebi ngokuxabisa. Ukucacisa iinjongo zakho kubumba iintlobo zeepropathi onokuthi uzilandele.
Ukwahluka kweePotfoliyo yenye into eqwalaselwayo. Ukuba nomxube werenti, ii-flips, kunye nezabelo kwi-REITs isasaza umngcipheko kwaye idala iindlela ezininzi zengeniso. Ngokuhamba kwexesha, njengoko amava ekhula, abatyali-mali abaninzi basuka kwiipropathi ezizodwa ukuya kwiipotfoliyo ezilinganisa uzinzo kunye nokukhula.
Ukuthabatha Elo nyathelo Lokuqala
Utyalo-mali lwezindlu nomhlaba lunokubonakala luntsonkothile, kodwa akunyanzelekanga ukuba lube njalo. Qala ngokufumana ukuqonda okucacileyo kweziseko, emva koko ujonge indawo yokungena efanelekileyo kwiinjongo zakho. Inyathelo lokuqala lihlala lilelona linzima kakhulu, kodwa xa sele ulithathile, i-real estate ingaba sisixhobo esinamandla sokwakha ubutyebi bexesha elide kunye nokuzimela kwemali.
