Ukwazi ukungafani kubaluleke kakhulu kwimpumelelo yakho yokutyalomali
Xa umninimzi-mali oyithengi- mali uthengile kwixabiso le-REIT kwi-portfoliyo yabo yotyalo-mali, kukho isinyathelo sexeshana phambi kokujonga i-REIT nganye kunye nokusebenza kwayo. Eli nyathelo kukuqonda ngokucacileyo ukungafani kwiintlobo ezimbini ze-REIT, ii-Equity, kunye nee-REIT ze-Mortgage.
- I-Equity I-REIT iipropati zayo. -
- Ama-REIT ama-Equity ngokwenene athenge, abambe kwaye alawula iimpahla zentengiso kunye nezindlu zokuqashisa. Nangona baya kuxhasa ezi ndawo kwiimeko ezininzi, kugxininiso lwabo lugxininiso kwi-acquisition and management.
- Ubulungisa be-REIT bufaka ubunikazi kunye nokulawulwa kwezakhiwo zentengiso kunye nezindlu zokuqashisa. Kukho inzuzo yokubuyisela utyalo-mali ngokusekelwe kwizinto eziliqela:
- Ukuxabisa ngexabiso lempahla ephantsi;
- Ixabiso lemali liqhuba ukuhlawula iinqwelo xa i-mortgages ihlala izinzile;
- Ngokuqhelekileyo, iintlawulo zembuyekezo eziphilileyo, ukwandisa ixesha; okanye
- Inzuzo ngokuthenga nokuthengiswa kweepropati zexesha elifutshane.
- I-Mortgage I-REIT iityala zamatyala -
- I-Mortgage REIT ayithengi, i-own okanye ilawula iipropati. Bafaka imali kwiimali zokubolekwa kwiindawo zokuthengisa. Nangona zinempahla njengezibambiso kwiimali-mboleko abazityala ngazo, i-mortgage REIT ayinalo isikhundla sobubodwa kwipropathi ngokwayo.
Kutheni le mehluko enkulu ebaluleke kakhulu kwi-investor? Ubume bobabini benza iimpawu zabo zobungozi kunye nokusebenza ngokuhlukileyo. Ukunyamezela kwakho kunye neenjongo zokutyalo-mali uza kugqiba ukuba zeziphi iifom ze-REIT eziya kufaneleka kwiphothifoliyo yakho. Nangona benza ngokungafaniyo, ababonakali bakhethwa ngetyala ngabaninzi-mali. Kubonakala ngathi "mhlawumbi / okanye" isigqibo kwiimeko ezininzi.
Nangona i-mortgage REIT ingavelisa imbuyekezo ebalulekileyo, ngamanye amaxesha ngamaxesha afutshane, athatha ingozi eyongeziweyo. Ekubeni bebamba amatyala kuphela kwaye bengenayo impahla, abanako ukuthatha inxaxheba kwixabiso leempahla ezinobutyebi.
Ixabiso labo liyakhathalela kakhulu ukunyuka kwezinga lomyinge. Oku akuyona into ebalulekileyo kwi-REIT ye-equity, njengoko ixhaswa ngemali ngokubanjiswa kwee-mortgage rate. Ngempembelelo yezinga lentengo ebaluleke kakhulu kwiimpahla ze-mortgage REITs, amanani abo athambekele kunokuba angabi nanyameko kunokoohlobo lobulungisa.
Ixabiso lepropati elizimeleyo lizinzile kwaye liqikelelwa ngaphezu kweemali zokugcina imali kwi-mortgage REIT.
IIMALI zifana nokutshala imali kwimarike yempahla okanye ngokukodwa kwiimali zentengiso. Uyathenga izabelo kwaye ungumtyalo-mali ongenakho ngokupheleleyo. Uxhomekeke kubaphathi bezakhono ukuthenga nokuthengisa iimpahla okanye amanqaku omboleko kunye nokulawula iphothifoliyo ngenzuzo. Ungaqwalasela ukubamba kwakho nayiphi na ixesha, landela ukusebenza, uthenge amanye amasheya okanye uthengise ukubamba kwakho xa ufuna.
Ukususela kwimibono yokuthenga nokuthengisa, ii-REIT zininzi kakhulu kunezixhobo eziphathekayo. Ungathengisa izabelo okanye ungeze kwiibamba zakho ngefowuni okanye kwi-intanethi. Ukuba nepropati yenkqubo eninzi yokuthengisa ixesha elide kunye nexabiso elininzi kunekhomishini yokuthengisa amasheya e-REIT. Ngesi sizathu, i-REIT ingakhethwa ukuba awufuni ukungena kutyalo-mali olude olude lugxeke amawaka eedola ekuvaleni iindleko kunye nee-commissions ukuze uphume.
Xa usugqiba isigqibo malunga notyalo-mali lwe-REIT, ngoko ke ukhetha nje kwi-Equity, Mortgage okanye zombini. Ngokuqhelekileyo, ii-REIT zee-mortgage ziqwalaselwa ngakumbi kwiintengiso kwixesha elincinci kunexesha elide lokugcina i-REIT. Njengomtyalo-mali, qhelana kakuhle kunye neempawu zombini phambi kokukhetha ii-REIT apho utyalo-mali.