Amacandelo okuTyala imali kwi-Real Estate ngaphandle kweCash
Kukho izicwangciso zokutyalwa kwezindlu zangaphandle ngaphandle kwemali.
Unokuqala njengento encinci njengendleko yamakhadi amashishini ambalwa. Oku akusiyo inqaku malunga "nemali elula." Nangona kukho iindlela zokuqalisa ukutyalomali kwi-real estate yakho kunye nomthetho othile, akulula, kodwa ingaba yimali ephakamileyo lakho ngexesha elifutshane.
Kukho i-gurus yonke indawo, kwiTV, ekuprintweni nakwi-intanethi efundisa zonke ezi ndlela. Unokufunda okuninzi kwiiwebhusayithi zokutshala imali, kodwa qaphela ngokuhlawula ikhosi ebiza kakhulu okanye uqeqesho. Abanye baye bafunda indlela enzima yokuba, kungakhathaliseki ukuba umfundisi owaziyo kwaye akufundise kangakanani, kusenokwenzeka ukuba uphume kwaye uphumelele. Ezinye zeendlela eziza kukuvumela ukuba wenze imali kwi-real estate ngaphandle kokuba naliphi na imali eqala ukuquka ziquka:
- UkuNyuka kweNyoni
- Izabelo
- Izinketho zokuqeshisa
- Ukuqeshiswa kweSandwich
- Ukuvalwa kwe-Back-Back
Nantsi ingqwalasela yale ndlela, indlela esebenza ngayo, kunye nendlela abanye abatyalo-mali abasebenzisa ngayo imali yokufumana imali kwimali yabo yokutyalomali.
UkuNyuka kweNyoni
Ngaphambi kokuba uxabise ngokwenene inja yenyoni inokubonelela nge-investors, sibheke ukuba ngubani na abatshali-mali. Into yokuqala efika engqondweni "yintlambo," ukuthenga amakhaya, ukukulungisa nokuthengisa ngokukhawuleza ngenzuzo.
Emva koko kukho umtyalo-mali osisigxina othengela amakhaya njengempahla yokuqashisa, ukuqonda ukuhamba kwemali kunye nokuxabisa ngokuhamba kwesikhathi.
Ezo zinto zicwangciso zokutyalwa kwezindlu zentengiso zingaba nenzuzo kakhulu. Sisiphi isicwangciso-mali otyalomali okhethayo malunga neenjongo zabo, isimo sengqondo kunye nokunyamezela.
Kukho abaninzi abaninzi balabo batyalo-mali ngaphandle apho abantu abaninzi bacinga, ingakumbi abatyala-mali bexesha elide. Ngobani? Zimbalwa ezimbalwa uhlobo oluphezulu lwefayile ozibonayo kwiTV. Uninzi lwabantu obona yonke imihla. Basenokuba nesinye ishishini eliyimpumelelo kwaye baneemali abafuna ukutshala kwiindawo zokuthengisa.
Ukuqhuba ama shishini abo kufuna ixesha elininzi, kwaye bathambekele ekuthembeleni kwimithombo yendalo njengabagxebi bezindlu eziza kubancedisa ukuba bafumane iindleko zentengiso yotyalo-mali. Baya kudla ngokuhlawula ngaphezu kokuba bafanele kule mikhakha njengoko abameli bezindlu zendawo basebenza kwi-Multiple Listing Service ( MLS ). Ayikho ininzi yokuguquguquka kwixabiso, ngokukodwa kunye nee-commissions kule mpahla.
Abaninzi balaba batyalo-mali bathenga iimpahla ezininzi. Yintoni abaya kuthathwa ngayo xa beqhagamshelana nomntu othi bangakwazi ukuzithengisa iintengo zokuthenga ekhaya nge-10% ukuya kwi-40% engaphantsi kwemali kunokuba bathenga ngoku? Impendulo ilula, njengoko ikhona kule nto ukwenza imali.
Ngaphantsi kokuba bahlawula ikhaya, ngcono ukubuyela kwabo kotyalo-mali (ROI) ukusuka ekuphumeni kwemali, kwaye ngokukhawuleza banokulingana.
Baya kufuna ukuba lo mntu awanike amaqhinga. Lo mntu uyaziwa njengenja yeentaka. Kufana nokuba ngumthengisi.
Ngomsebenzi, uphando kunye nophando, inja yeentaka ifumana abanini-mhlaba abafuna ukuthengisa kwaye abazange bakwazi okanye abanini-mboleko abanenkinga yokuboleka imali okanye i-foreclosures phambi kokuba babhalwe. Leyo yintaka, kwaye akufuneki ukuba imali iqalise, ngamakhadi kunye namashishini amaninzi. Nangona kunjalo, kunokukwenza utyalo-mali utyalomle ishishini kumntu oqhelekileyo onetyala elikhulu kwaye akakho imali eninzi.
Baye baphuma apho befuna amakhaya angabonakaliyo kwiindawo ezingabonakaliyo. Enyanisweni, inja zeentaka zinama-agents agciniweyo ezondlayo zikhokelela xa umninimzi onenkathazo engakwazi ukuthengisa. Inja yentaka inika utyalo-mali obunenzuzo kumtyalo-mali kwaye iirhafu zingasebenza phakathi kwe-$ 2000 kunye ne-10,000,000 ngemali xa ivala.
Izabelo
Enye indlela yokwenza imali kwi-real estate investment ngaphandle kokusebenzisa nayiphi na imali yakho ukusebenzisa izabelo. Akuyinkqubo eyinkimbinkimbi kodwa ifuna ukuba umthengi wakho aqokelelwe ngaphambi kokuba uzikhiphe kwisivumelwano sokuthenga. Uya kwenene wenze isivumelwano sakho nomthengisi kwaye ubhale isivumelwano sokuthenga. Isivumelwano siya kubonisa ukuba uMthengi "Igama lakho kunye / okanye Ukwabela."
Oku kukuvumela ukuba unike isivumelwano kunye nomnye, umthengi wakho, ngaphandle kwemvume yomthengisi. Kumele ukuba ngumthengi wemali, kodwa ngokuqhelekileyo ityala xa wenza le mikhapha. Umthengisi uya kukwaziswa ukuba umthengi wakho ngoku ungumthengi kwaye ukuba umthengi uya kuqhuba ngokuqhelekileyo ngokwemiqathango yesigqibo sokuthenga.
Olunye uqikelelo xa uxela iingxoxo yintlawulo ethembekileyo oya kumthengisi. Le mali ifakwe yinkampani yetayitile yokuphatha ukuvala, kwaye awuyi kubuyiselwa imali leyo. Iya kudluliselwa kumthengi wakho. Ngoko, uya kufuna ukugcina le mali ngokuphantsi kunokwenzeka njengoko kusekho umngcipheko wokuthi le nto ayiyi kuvala.
Ukuba uhlala usebenza nabathengi bamali-mali, unokukwazi ukufumana imali yakho xa usenza isabelo sekhontrakthi phezu kwabo, kwaye akufanele ulinde de ukuvala. Nangona kunjalo, unakho ukuhlawulwa xa idibaniso livala. Ewe, ukuba unxulumene kakuhle nabathengi abathile, kwaye ungachaza idibaniso kubo kwaye ufumane ukuzinikela ngomlomo, unokukwazi ukufumana imali engqongqo phambi kokuba uvale ikhaya.
Izinketho zokuqeshisa
Izicwangciso zeqhinga lokuqeshisa iqeshiso ziqeshiso ngeentlawulo zenyanga zokuqeshisa kunye nenketho yokuthenga ipropati ekupheleni kwexesha lokuqeshisa. Masihambe ngomzekelo ukubonisa indlela isebenza ngayo. Utyalomali ofuna ukufumana ikhaya njengepropati yokuqeshisa, kodwa awuhlali phantsi kwemali eyaneleyo yokuhlawula. Unokuba nokuba nenqaku lekhredithi elenza ukuba ukuboleka kubize kakhulu.
Ngokuthengiswa ngeempawu ze-bandit, iintengiso zephephandaba kunye ne-Craigslist okanye nje ukuhanjiswa kwegama-ngomlomo, ufumana umnini-mhlaba okhuthazayo ongenakho ukuthengisa ikhaya lawo. Makhe sibone umzekelo wokucinga. Masithi abanikazi bezindlu babe nekhaya elibhaliweyo, kodwa abazange bakwazi ukuthengisa.
Ikhaya lixabisa i-$ 100,000 kwiimarike zangoku, ibhalansi yabo yokuthenga imali i-$ 70,000, kwaye iintlawulo zabo zi-$ 525 / ngenyanga zerhafu kunye ne-inshurensi. Elinye iqabane liye lafakwa emsebenzini, kwaye elinye lifumene umsebenzi ongcono kwaye kufuneka bahambe ngokukhawuleza. Nantsi oko umtyalomali wethu akwenzayo:
- Izipho zokuqeshisa ikhaya labo iminyaka emi-3 ngeentlawulo zokuqeshisa ezilinganayo neentlawulo zabo zendlu.
- Ukuhlawula i-$ 1,500 njengenkokhelo yokukhethwa kwekheyithi engeyiyo ebuyisekayo ukuze unelungelo, kodwa kungekho mbopheleleko, ukuthenga ikhaya ekupheleni kokuqeshisa i-$ 80,000.
- Ngesivumelwano somlomo, umtyalomali usebenzisa ukuthengisa okanye ezinye iindlela zokufumana umqeshi wekhaya ozimisele ukuhlawula i-$ 750 / inyanga ukuyiqeshisa. Baya kusayina ubuncinci boqeshiso lonyaka omnye.
- Ngethuba loqeshiso lweminyaka emithathu, irhafu kunye ne-inshurensi iya kuhlala njenge / /, kunye nokunyuswa kwintlawulo ekunyamekeleni ezo zinto.
- Ukuhlawula imali: $ 525 x 3 ngenyanga yokuqala kunye nenyanga yokugqibela yokuhlawula imali kunye nokukhutshwa kwekhuseleko = $ 1,575 + $ 1,500 yokuhlawulwa kwekhefu yokuqeshisa = $ 3,075.
- Ikheshi ku: $ 750 x 3 ngowokuqala, ekugqibeleni kunye nokukhuseleka imali = $ 2,250.
Le yimeko ebaluleke kakhulu yenkcitho yemali, kunye nomtyalo-mali ophuma e-pocket $ 825. Nangona kunjalo, babeza kuxoxisana ngcono nomthengisi kwaye bahlehlise idiphozi yokukhusela, okanye baxoshwe ngokupheleleyo, behla imali abaya kuba yiyo ephaketheni ukuya kuma-300.
Oku akubi ukulawula le ndlu kwaye ukhiye ekuthengeni okunenzuzo ekupheleni. Sekunokubaluleka ngaphezu kwexabiso eliya kuhlawulwa, kwaye liya kuqonda xa kusebenza iminyaka emithathu. Imali engama-250 / ngenyanga eyi-cash flow flow will amount to $ 9,000 ngaphezu kweminyaka engama-3. Ngoko ke, nangona umtyalo-mali engayisebenzisi ukhetho lwabo ukuthenga ikhaya, baye benza inzuzo eninzi becinga inani elincinci lemali abaye batyala.
Ukuqeshiswa kweSandwich
Ukuqeshiswa kwesiqwenga samanzi kufana nje negama lithetha: iindlela ezimbini zokuqesha kunye nomtyalomali phakathi. Kule meko, umtyalo-mali ufuna ukuba akhethe ukuthenga ipropati kwisaphulelo ekupheleni kwexesha lokuqeshisa, kwaye bafuna ukufumana umqeshi ofuna ukuthenga ikhaya kodwa akanako ngenxa yeengxaki zemboleko okanye ukungabi yemali yokuhlawula imali. Uninzi lwabantu kule meko abafuna ukuzimela, bayavuya ukufumana ikhaya elifanelekileyo abakwazi ukuthenga ngekhefu lokuqeshisa, kuba nexesha lokuphucula i-credit yabo kunye nokuhlawula ndawonye.
Siza kusebenzisa umzekelo wangaphambili, kodwa esikhundleni somqeshi oqhelekileyo, umtyalomali ufumana umntu ofuna ukuqeshisa-ukuthenga okanye ukuqeshisa-ikhaya lakhe. Zonke iinombolo ziyafana, ngaphandle koko umthengi oqeshisayo ufuna ukuba nekhaya lakhe ekupheleni kwenkcitho yokuqeshisa iminyaka emithathu.
Umthengi oqeshisayo ngoku akahlawuleli kuphela okokuqala, ukugqibela kunye nokukhuseleka kwi-front, kodwa kunye nokukhethwa kwemali yokuhlawula engeke ibuyiselwe ukufumana ilungelo lokuthenga ikhaya ekupheleni kweqeshiso. Kwakhona, umthengi womqeshi uyavuma ukuba ukuba bathenga ikhaya, ixabiso liya kuba yi-$ 110,000. Ngoku ukuhamba kwemali kumtyalomali kubonakala oku:
- Efanayo $ 3,075 ephuma kumthengisi kwikhetho lokuqala lokuqeshisa.
- I-750 x 3 = $ 2 250 + $ 1,500 yekheyishini yentlawulo yokuqeshisa iqeshiso ukusuka kumthengi womqeshi efika = $ 3,750.
- Umtyalo-mali unokucela ukuba ahlawule imali yokukhethwa kwemali yokuqeshisa ngaphezulu kodwa wayevuyiswe nge-$ 675 eyiyo yokuphuma kwemali xa amabini amanyathelo asayinwe.
- Umthengisi wenza i-$ 675 phambili, i-$ 250 / inyanga ezingama-34 eziseleyo (yokuqala / yokugqibela ehlawulwa), kunye ne-30,000 yenzuzo ngokuthengisa i-dollar eyi-110 000 kodwa ihlawula i-$ 80,000 kuphela.
- Inzuzo enkulu ye-Investor i-$ 39,175 ngeedola ezili-mali zemali yazo.
Enye inzuzo kwesi sicwangciso kukuba umthengi womqeshi unethemba lokuba nekhaya kwaye uya kuthatha unonophelo olungcono. Enyanisweni, abanye abatyalo-mali baxoxisana ngeenqeshiso ezifuna ukuba umnini-mali ahlawule i-$ 100 okanye ngaphezulu kunoma yikuphi ukulungiswa. Njengoko i-inshorensi kunye nentlawulo zihlawulwa kwi-original mortgage payment, iindleko zincinci.
Ukuba umtyalo-mali ufuna ukumboza zonke iziseko, banokuhlawula iintlawulo zemboleko, ngokungavumeli ukuba umthengisi angene kwindawo apho angahle akwenze khona. Izinketho zokuqeshisa kunye nokuqeshiswa kwe-sandwich ziqhinga ezisetyenziswe ngabafaki-zimali bezindlu zokuthenga izakhiwo kwiipotifoliyo zabo nokwakha imali yokuhamba kwemali nganye.
Ukuvalwa kwe-Back-Back
I-mess and mortgage mess that started to appear in 2007 yenze utshintsho oluninzi kumashishini athengiweyo kunye nokuthengiswa kwezindlu. Iikhampani zeSihloko ezazisetyenziselwa ukwenza ukuvalwa kabini kwaye zixhase inkcitho enye kunye nenzuzo yomnye ininzi kakhulu enokufumaneka kuyo ngoku. Nangona kunjalo, kukho indlela yokuthengisa kunye neflip impahla kunye nokuvala emva kokubuya ngaphandle kokusebenzisa imali yakho.
Kakade, imfuno yokuqala kukuba unesixa-mali esithengisayo esiphezulu se-flip. Kufuneka ube nepropathi yokuqala ethengiweyo ngexabiso elifanelekileyo, kwaye umtyalo olungele ukuwuthenga kuwe ngenzuzo enhle. Ingeniso kufuneka iwanele ukufihla intlawulo eya kufuneka ukuba usebenzise enye imali yabantu ukuze uqale ukuvalwa kwintengiso ukuze uvale itengiso yesibini kumtyalomali wakho.
Imali yenkxaso-mali yinkqubo yokufumana imali-mboleko yexesha elifutshane ukuxhaswa enye inxaxheba ngokuvala ukulandelelana ukuthengisa ipropati ngaloo mini okanye kwiiyure ezingama-24 ngokuqhelekileyo. Umboleki wezentengiselwano uza kufaka imali ngekampani yenkampani efunekayo ukuvala intlawulo yokuqala.
Emva kokuba le nto ivala, uqhubela phambili kwiseshoni yesibini, ngokuqhelekileyo ilungiselelwe emva kwayo. Isitatimende sokuvala eso sivumelwano siza kubonisa intlawulo kumthengisi wezentengiselwano ngemali ababolekisiweyo kwintlawulo yokuqala kunye nentlawulo yabo. Oku kubakho ubuncinci be-$ 2,500, kwaye inokusekelwe kwipesenti yemali ebolekelwe. Ufumana ibhalansi kunye neenzuzo zakho.