Xa kuthelekiswa namathuba otyalo-mali, ixesha lokubamba utyalo-mali kunye nezinga lokubuyela ngethuba liyintloko. Ingozi nayo ibaluleke kakhulu. Ukubambisa iimarike ze-fluke, kubantu abaninzi, ukuqashiswa kwezindlu eziqashisayo zingakwazi ukugqithisa ngokukhululeka, kungakhathaliseki ukuba ziinkampani okanye urhulumente.
Umngcipheko ngokuBambisana
Iibhonkco zikhuselekileyo, kodwa ukhuselekileyo utyalo-mali, ukuhlawula umyinge wenani lentlawulo.
Iibhondi zikaRhulumente, ziqwalaselwa ngokungabikho kwengozi, ziba nezivuno eziphantsi kakhulu, ngokuphindaphindiweyo ngaphantsi kwezinga lokunyuka kwamaxabiso. Iibhondi zikaRhulumente zilula ukuthenga nokuthengisa ngaphandle kwezindlu, kodwa ukuba ufumana iipesenti ezi-2 kwaye izinga lokunyuka kwamaxabiso li-1pcent ephantsi, i-ROI yakho inqunywe kwisiqingatha.
Ipropati yoqeshiso-mali ityala ngokukhawuleza ivelise kwidijithi ephezulu kunye kwaye ivelise iziphumo eziphindwe kabini. Ufumana ukuxabisa ngokulinganayo kwexesha kunye nokuhamba kwemali nganye ngenyanga njengoko iindleko zifika ngokubanzi kumanqanaba aphezulu kuneendleko ezidibeneyo zeendleko zakho zokubambisa kunye nokugcinwa kweendleko.
Iimali zeeMali kunye neNtlawulo yeNgeniso
Uninzi lweebhondi zeburhulumenteni abuhlawulwanga kwinqanaba lezemfundo. Ukuba ukhetha ukunyuka ukuya kwiibophelelo zentsebenziswano ephezulu, uza kufumana amanqanaba aphezulu. Nangona kunjalo, uya kuba nomngcipheko omkhulu wokungagqibekanga. Uyakuhlawula irhafu yengeniso rhoqo okanye i-tax revenue gain on that interest, kuxhomekeke kwithuba elingakanani ubeka utyalo-mali.
I-Real Estate, ngakolunye uhlangothi, ifumana ikhefu ezinkulu zeerhafu, kunye nokuncitshiswa kwexabiso lokunciphisa ixabiso elilodwa. Uya kufakwa kwiholo ngenxalenye yexabiso lepropati njalo ngonyaka. Awuzange uyisebenzise nayiphi na imali, kodwa ufumana ukuncitshiswa kweerhafu.
Hlanganisa nexabiso lokunyuka kwexabiso lokunyuka kwemali kunye nomthwalo werhafu yengeniso, kwaye unokwenene ukubetha kunye nezibophelelo.
Ukunyuka kwamaxabiso
Iibhondi zihlawula umlinganiselo ongenamdla ngaphezu kobomi botyalo-mali, ngoko ukuthenga amandla ngaloo nzala iyancipha ngexabiso lokunyuka kwexesha. Imali engenayo inokunciphisa imbuyekezo yakho kwiinkalo ezizinzileyo.
Ipropati yokuqeshisa ingavelisa imali ephezulu kwixesha lokunyuka kwamaxabiso. Iindleko eziphezulu zezinto zokusebenza kunye nabasebenzi ngokubanzi ziguqulela kwiindleko zezindlu eziphezulu kwaye ngoko ke imali ephezulu. Amandla okuthenga ayiphumeli kulo mzekelo. Ngokuqhelekileyo imithwalo yempahla iqhuba amaxabiso angaphandle kweebhodi. Uvuna umvuzo wakho wokuphuma kwemali kodwa ukwakhiwa nokwazisa ngokuhamba kwexesha, apho ukunyuka kwamaxabiso okunokukunceda.
Ubungakanani bhondi buyi-static, ngelixa i-real estate ingakhula kwixabiso ngokuxabisa.
Xa ucinga ngezinye iindlela apho ipropati yokurenta inokuvelisa ukubuyisela , kuya kubonakala ukuba utyalo-mali lwamaxabiso ophezulu luhlala lukhulu kwiindawo ezininzi ukutyalomali kwiibhondi. Ngoxa iibhondi, ngakumbi iibhondi zikaburhulumenteni, zizaliswa ngokuthe ngqo kwaye zikhuselekileyo, ziza ngeendleko zentlawulo eziphantsi kakhulu. Ukuba ukhangele indlela yokukhula kungekhona nje ukuhamba kwemali yakho yonyaka kodwa kunye nefa lakho kwixesha elide, utyalo-mali lwamaxabiso olululo lubhetele olungcono kunezibophelelo.
Uza kuba ngaphezu kweendleko zokufakela imali yakho kwipropati ngokufumana ingeniso yerenti kunye nokuncitshiswa kwexabiso. Ukucinga ukuba inzala ayifuni ukubuyela kwii-1970-ekuqaleni kwee-1980, uza kuba nepropati onokuyithengisa ngenzuzo eninzi kunokuba inzala yenzalo kwiingxowa-mali izakukufumana kwiminyaka efanayo.