Ukungaphumeleli ukujonga ukulahlekelwa kwemali yerenti ngenxa yeeyunithi ezingenamntu kunye nokungahlawulwanga kwerenti kuya kukhokelela ekuzuzeni inzuzo kwingeniso yabathengi bakho yokuvelisa iimali.
Ekuncedeni abathengi ukuba banqume ukufaneleka kokuthenga, qiniseka ukuba ukunyamekela kwabo kubandakanya ukuqikelelwa kwezithuba kunye nokulahlekelwa ngetyala. Unokuqiniseka ukuba abaninzi ababolekisi baya kuthatha le ngqalelo.
- Qinisekisa ipesenteji ekulindelekileyo yokulahleka ngenxa yokungahlali kunye nokungahlawulwanga ngokujonga ipropati ezifananisiweyo kunye nokulahleka kwangoko kufumaneka kwipropati yesifundo.
Isikhundla sonyaka odlulileyo kunye nokulahleka kwetyala kwipropati yesifundo kungenzeka ukuba ibe ngu-3% wemali engenayo yomsebenzi . Ezinye iipropati ezifaniswayo zifumana umyinge we-4%. Khetha ixabiso kumxube, masithi 3.60%.
- Lungisa umvuzo wakho wokusebenza ngenetha kunyaka ozayo naluphi na uluvo olulindelekileyo lwerenti. Ukuba ulindele ukwanda kwe-5% kwerhafu, kunye nemali engenayo yomsebenzi kulo nyaka i $ 44,000, ngoko:
$ 44,000 X 1.05 = $ 46,200
- Bala ilahleko ehlawulweyo yemali kunyaka ozayo ngenxa yokulahlekelwa kwezithuba kunye nokulahlekelwa ngetyala:
Iimali ezingama-46,200 (inzuzo engenayo yomsebenzi) X .0360 (3.6%) ukulinganiswa kwelahleko = $ 1663.20.
Ingaba ufuna ntoni:
- Calculator
- Olunye uqikelelo (s) lwepesenti kunye neepesenti zokulahlekelwa ngetyala
Ukunciphisa Ukulahlekelwa Kwezithuba
Awusoze wakrazula indawo yokuhlala ngaphandle kokulahleka kwezithuba, njengoko abantu behamba, batshintsha iinjongo zabo zobomi, kwaye banokugqiba ekubeni bafuna ukuya kwenye indawo. Nangona kunjalo, ukulahlekelwa kwezithuba kunokuncitshiswa kakhulu ngenye enye okanye ngaphezulu kwezi ndlela:
- Imarike yabaqeshi abalungileyo: Ukuba uthengisa ireyithi ephantsi, kwaye uphakamisa irenti, uya kufumana izikhundla ezikhawulezayo. Unokufuna ukupapasha okhethekileyo ukuba ufumane umqeshi olungileyo kwiyunithi, kodwa xa kuqeshiswa ukuqeshisa banokulindela omnye umyalelo.
- Gcina ipropati enhle kunye nemarike yile nyaniso: Gcina iiyunithi zakho, ulungise ngokukhawuleza, kwaye uqinisekise ukuba abaqeshi bakho banendawo enokuhlala kuyo. Basenokwenzeka ukuba bahlaziye iqeshiso yabo xa banovuyo kunye nepropati.
- Gcina inkonzo enobungcali kunye nobudlelwane obuhle: Nangona into ephulekileyo, umnini-mhlaba unokuba nesimo sengqondo esifanelekileyo xa sichaza kwaye uyayinyamekela ngokukhawuleza. Yenze kube lula ngabo ukuba bakuxelele ngeengxaki, kwaye ngokunyanisekileyo banakekele.
- Abacebisi abakhuthazayo ukuba bahlaziye ukuqeshisa kwabo: Bala ukuba kuya kukubiza ntoni ukuba uhlambulule, ulungise kwaye ulungiselele iyunithi yomqeshi omtsha, kwaye ungeze kwi-intengiso kunye nesicelo / indleko yodliwano-ndlebe. Ukuba umnini-mali ungumhle kwaye uhlawula ngexesha, nikeze i-incentive enokulingana noko uza kuchitha xa behamba kwaye uhlala uzigcina.
- Ngaba uhambo oluchanekileyo nolunzulu: Xa umqeshi ehamba, faka ifomu echanekileyo uze uthathe iifoto zeemeko zeyunithi. Xa bephuma, yenza into efanayo. Yiba nencazelo ecacileyo yesiqhelo "bembatha kwaye nibambe" kwindawo yokuqeshisa, kwaye uthathe nayiphi na umonakalo ongaphezulu kwelo nqanaba ngaphandle komonakalo.
Ukunciphisa iNtlawulo engekho yeNtlawulo
Oku konke malunga nokuthintela, njengoko unganamandla-ngengalo yomntu ekuhlawuleleni irenti ukuba abanayo okanye abafuni ukuyihlawula. Inyani kukuba ngamathuba amaninzi umqeshi ongumngcipheko wokungahlawulwanga uya kuba nembali edluleyo yeengxelo zokungahlawulwanga okanye iingxaki zekhredithi.
Xa unako oko kubonakala ngathi ungumqeshi osebenzayo, kwaye mhlawumbi bahlawule umrhumo wesicelo ongeke ubuyeke, uhlawula ityala kunye nengqikithi yokuhlola. Oku kufuneka kukunike isilumkiso sabaqeshi abasemngciphekweni abanomlando wokuhlawula onobungozi.
Ezi iindleko zokwenza ishishini kwi-investment property.
Kodwa, njenganoma yiphina ibhizinisi, ungathatha amanyathelo okunciphisa iindleko zakho.