Ukuba iipropati ezimbini zifana, lowo oza kuvelisa ukulungiswa konyaka wokuqala kunokuba yinto engcono yokutsalwa kwexesha elifutshane. Ukuze ufumane, kufuneka uqaphele ukuhamba kweMali emva kweentlawulo .
Kulo mzekelo, siya kuthatha i-CFAT ye-$ 11,000. Imali ebekelwe imali ekufumaneni ipropati, umzekelo, njengentlawulo ehlawulayo imele iqela elilandelayo le-equation. Masithi umthengi ubeka i $ 170,000. Sifanele sihlule i-CFAT ngemali ebhaliweyo ekubaleni ukubuyiselwa kwemali:
$ 11,000 / $ 170,000 = .065 okanye 6.5%
Ungasebenzisa i- calculator yemali ye- real estate ukujonga izibalo kule nto kunye nezinye izibalo xa uthengisa ipropati.
Ipropati yoRhafu yokuTyalwa kweMali - kungekhona nje ngeNombolo
Ukususela kwiimarike zemizi kunye nokuhlaselwa kwemali eyabhalwa ngasekupheleni kuka-2006, izindlu ziye zafumana ezinye izinto, nangona ukuthengisa kusengabikho kumazinga angaphambi kokuphazamiseka. Abathengi basekhaya bexesha lokuqala baqhubeka bevela kwimarike kwinxalenye enkulu. Uqoqosho kunye nethuba labo lomsebenzi sisizathu esinye. Enye kukuba bahlala ekhaya nabazali babo ixesha elide, nangona emva kokugqweswa kwiikholeji.
Abantwana bama-boomers abayithengisi amakhaya abo kwinqanaba lezembali, ngokukodwa ngenxa yokuba abantwana babo basesekhaya, kodwa ngenxa yezoqoqosho kunye namaxabiso aphezulu asekhaya ngenxa yezinto eziphantsi.
Amaxabiso asekhaya aphakanyisiwe, kodwa ngenxa yokuthengwa kwabathengi abaninzi kwiimarike kunye neendawo eziphantsi zokuthengisa izinto.
Kuthetha ukuthini konke oku kuthetha? Kuthetha ukuba kukho ininzi yabanikazi ngaphandle. Imfuno yokuqeshisa iye yanda, kwaye iindleko ziye zaphakama ngexesha elifanayo. Kuye kube yimarike enkulu kubatyali-zimali bezindlu eziqashisayo kwiminyaka embalwa edlulileyo, kwaye kusengcono kakhulu.
Umngeni omkhulu kunoko ngoku ukufumanisa i-bargains, ngakumbi ukuba ufuna ukulungele ukuqesha izakhiwo.
Umdwebo usenamandla nangona kunjalo, njengotyalo-mali lokuqeshisa sisixhobo esikhulu sokwakha ubutyebi. Umtyalo-mali wezindlu zokuqeshisa ufuna izinto ezibini ngokuyinhloko: 1) ukuhamba kwemali ngokukhawuleza kwenyanga, kunye no-2) ukuxabisa nokulinganisa ukulingana. Ukuba umthengi womthengiso omtsha uthatha ixesha kunye nomgudu wokufunda indlela yokwenza okulungileyo, banokuya kwindlela yabo eya kwipotfoliyo yamakhaya aya kuxhaswa umhlalaphantsi omhle.
Ukuhamba kwemali kunye neNzuzo
Utyalo-mali oluthile lufumana izibonelelo ezithile ezingakhange zifumaneke kwiimarike zentengiso okanye utyalomali-mali . Inzala yomhlalaphantsi, irhafu, kunye ne-inshurensi iyachithwa kwiholo lokuqeshisa. Ufumana ibhalwa yonyaka yokunciphisa i-depreciation ibalwa ngaphezulu kweminyaka engama-27.5. I-1031 yokuTshintshwa kweRhafu engasetyenziswanga ingasetyenziselwa ukuqhubela phambili ixabiso lentlawulo yexabiso lentlawulo xa kulandelwa imithetho yokuthengisa ipropati enye kwinzuzo kunye nokufaka imali kwenye indawo.
Iindleko zokusebenza nazo zitsalwa, ezifana nokulungiswa, ukugcinwa, ukuqokelela udoti, amanzi kunye nokuthuthwa kwamanzi, ukuhlawulwa kwemirhumo, irhafu, i-inshurensi kunye nokunye, kulula ukubona ukuba utyalo-mali oluqashisayo lunamathuba amaninzi ngaphezu kwezinye iintlobo zee-asethi.
Ngoko, umtyalo-mali wezindlu zokuqashisa uthengile ngokufanelekileyo, ufumana imali kunye neendleko ezantsi ngaphantsi kwerenti yenyanga, kwaye banayo imali yokuthatha ibhanki inyanga zonke. Ukunyuka kwamazinga okunomdla akubaxhatshazi, njengoko ukubolekwa kwemali yabo kulungiswe, kodwa kubangela ukuba bathengise abathengi. Ngoko ke, bahlala beqeshisa, benzela abatyalo-mali. Enyanisweni, njengemfuneko yokuqeshiswa kwemali yokuqashisa, ukunyuka kweendleko kunokwenzeka, ngoko ke ukuhamba kwemali engcono.
Ubulungisa kunye noTyala lokuhlawula
Ngaphezulu kwexesha lobunikazi, iziganeko zibonakaliswa ngokusemthethweni ukuze zisitshele ukuba kuya kubakho ukwanda kwexabiso lepropati. Ngaphandle kweblip okanye ezimbini, ngaphezu kwexabiso elide lokunyuka kwamanani. Kwakhona, ngelixa uhlawula imali yentlawulo yakho yemali, uyakha ubulungisa ngokunjalo . Xa ugqiba ixesha lokuba uthengise, kufuneka kube nomvuzo ekupheleni kwaloo nto.