Ukunciphisa umgca wendlela echanekileyo kukunciphisa ipropati yangempela ngokwexabiso elilinganayo kwimpilo evumelekileyo yepropati ngenjongo yerhafu. Ipropati ethile yezorhwebo ingahlaziywa ngokusebenzisa ubomi berhafu engama-39, umzekelo. Ukuba ixabiso lepropati liyi-895,000 yee-dollar, ke ukwahlula loo mali ngo-39 kuya kuvelisa umlinganiselo olinganayo we-22,949 wee-dollar ngokunyuka kwemali ngamnye ngonyaka iminyaka engama-39.
Ukukhutshwa kunye neNzuzo zoTyalo-mali lwabaTyali baseKhaya
Utyalo-mali oluthile lube neenzuzo ezithile ngokugqithiseleyo kokutyalomali kwimarike yempahla.
Kukho ukuncitshiswa okuqhelekileyo onokuyilindela, kodwa nabanye onokungazi. Sithetha ngoku ngoku malunga neendawo zokuqashisa, ngokukodwa iintsapho zokuqeshisa iintsapho okanye ii-condos, kunye ne-rent-ready, ayiyi kulungiswa ukuqesha.
Ngenxa yokuzibandakanya nokuthenga ngokufanelekileyo
Ngaphambi kokuthetha malunga nokuncitshiswa, ndifuna ukucacisa ukuba awufuni ukucinga ngokuncitshiswa ekuhlaleni ikhaya lokuqashisa ukutyalomali. Ngokuqinisekileyo, xa wenza inombolo yokugqibela-crunching ungayibona indlela oza kuyenza ngayo ngokuncitshiswa. Kodwa, xa ungena kulo mcimbi, ufuna kuphela ukujonga izinto ezisiseko kwaye ugxininise kwi-CASH FLOW.
- Ungayithenga loo propati ngexabiso elingaphantsi kwexabiso lemarike langoku, ukuvalela kwinzuzo ngokulinganayo kwitafile yokuvala?
- Ingaba i-market yamanje kunye ne-competitive environmental support rent will pay the cost and still leave a nice monthly profit as you can take it to the bank?
- Ngaba uvumelekile ukufumana ezinye izithuba kunye nokulahlekelwa ngetyala?
- Ngaba unayo yonke iindleko zakho zibethelelwe phantsi okanye ziqikelelwa ngokuthe ngqo:
- ntengiso
- lawulo
- lungiswa
- yentlawulo yepropati
- inshorensi
- naziphi na izibonelelo onokuzihlawula, ezifana nokuqhelekileyo kwamanzi kunye nokuhambisa amanzi
- Ngentlawulo yakho yokubolekwa kwempahla kunye nento ekhankanywe apha ngasentla, ngaba uya kukwazi ukuthabatha imali ebhanki nganye ngenyanga?
Zizo zonke ukuba ziqikelelwe ngaphambi kokuba uthenge loo propati! Yonke into esiyithetha ngayo emva kwalokhu yi-gravy. Ngokuqinisekileyo, unokuthatha ezinye izinto okanye zonke ezinye izinto ukuba uzihlolisise utyalo-mali, kodwa ukwenza njalo kukukufutshane nomgca ukuba kukho into engafanelekanga.
Ukukhutshwa kweMali ephezulu
Iindleko zakho ezikhankanywe ngentla zizonke zichithwa kwiholo ngenjongo yerhafu. Nangona kungakhange kuthathwa njengendleko yokusebenza, ufumana ukukhangela inzala yomhlalaphantsi . Awukwazi ukulungisa ukulungiswa okukhulu, ezifana nokutshintshwa kwezixhobo, njengoko kuya kufuneka ukuba kuhlaziywe, kodwa uza kutsala loo nxalenye ngamnye ngonyaka.
Ukwakhiwa kwexabiso
Okwangoku, i-IRS ikuvumela ukuba uhlawule isakhiwo sepropati yokuqeshisa ngaphezu kweminyaka engama-27.5. Kumele ususe ixabiso lexabiso elifanelekileyo lemhlaba, njengoko umhlaba ungahlawuli. Ngoko, njengomzekelo wokwehliswa kwonyaka, cinga ukuba unesakhiwo esixabisa i-$ 180,000. Uhlula ngo-27.5 ukufumana i-$ 6.545. Yiyo yokunciphisa ukuchitha kwexabiso lonyaka, kwaye awuzange uchithe i-dime ukuyifumana!
Oko sikubonayo kukuqokelela kweendleko, kwaye ukuba zonke ezi zidibene kunye kwaye usekhokhini yerhafu ye-25%, unokubeka enye i-$ 3.000 ukuya kwii-5000 zama-dollar kwi-pocket yakho ngonyaka.
Ziyizigidi ezimbalwa zeedola inyanga nganye.
Ukukhula ngo- 1031
Le nto isetyenziswe kuphela xa unquma ukwandisa iphothifoliyo yakho ngokuthengisa iimpahla ngokunenzuzo nokulima loo mali kwezinye iipropati. Kuyinkimbinkimbi, ngoko-ke umgcini-akhawunti kufuneka axoxwe, kwaye imithetho iyanqinileyo. Umtyalo-mali uninzi kakhulu, njengoko umntu wesithathu kufuneka athathe inzuzo yentengiso kwaye ahlawule imali ukuze athenge ipropati entsha.
Nangona kunjalo, okwenziwe ngokufanelekileyo awuyi kuhlawula imali eyinzuzo ekuthengiseni kunyaka othengisiwe. Ufika ukuwagxotha kuze kube yilapho ekugqibeleni uthengisa ipropati kwaye ungagqitheli kwelinye. Kodwa, ukuba ubambe isakhiwo kude kube sekufeni, iindlalifa zakho ziya kulidla ilifa ngeli xabiso langoku, kwaye zonke ezo mpu melelo ziphuma ngenjongo yentlawulo!