Abaphuhlisi kunye nabatyalomali abathengi umhlaba ongaphantsi komhlaba okanye izakhiwo ezihlaselayo zifuna iimfuno ezizodwa ngenxa yokuxhaswa kwemali efunekayo ukuze iipropati zabo zikhawuleze. Akumele nje ukuba abo bathengi bakhathazeke ngokuthengisa, ukuhlala okanye ukwenza iprojekthi, kodwa kufuneka bafumane inkxaso-mali ethile yokwenza umhlaba, kunye naluphi na izakhiwo kuwo, uhlala khona.
Sithetha ngeeprojekthi ezinokuluhlula kwii-dollar ezimbalwa ukuya kumawaka ezigidi zeedola kwiimfuno zokuxhasa ngezekwakhiwo.
Ngokuqhelekileyo umqhubi uya kuba okanye afumane inkxaso-mali yokuthenga umhlaba ngokuthe ngqo, ngoko usebenzise umhlaba ngokugcwele okanye udidi lokubambisa imali efunekayo.
Uphuhliso loshishino lunokuba yingozi kakhulu, kwaye ukufumana imali kunokunyaniseka ukuba umthuthukisi kunye nabanye abandakanyekayo abanalo irekhodi lomzila weeprojekthi eziphumelelayo. Ngamanye amaxesha abaphuhlisi ngabanini xa begqityiwe kwaye bangasebenzisa ezinye iipropati abaye baziqulunqa njengebhondi ukuba kukho ukulingana okwaneleyo kubo. Ezi zezi ezinye iintlobo eziqhelekileyo zokubolekwa kwemali.
Imboleko yoPhuhliso loMhlaba
Xa umhlaba oqingqiweyo okanye ongekho uphuhliso kufuneka ulungiswe ukwakhiwa kwemali-mboleko yokuphuhlisa umhlaba. Umhlaba oluhlaza ungabelana kwaye uthengiswe njengenani leepakethi zokusetyenziswa kwezorhwebo okanye zokuhlala. Ingabandakanya kwakhona ukufakwa kwamanzi okuhambisa amanzi, amanzi okanye amagunya kwiziko.
I-Acquisition and Development Loan
Imboleko ye-A & D ifanelekile ukuba umhlaba oqingqiweyo ulungele ukuphuhliswa, okanye sele usuqulunqiwe kodwa ufuna ukuphuculwa kweziseko zawo okanye izakhiwo ezikhoyo.
Imali mboleko ye-A & D ibandakanya ngokuthengwa kwalo mhlaba kunye neendleko zazo nayiphi na intuthuko efunekayo ngaphambi kokuba uphuhliso luzaliswe.
Imali yeMvume yeM Mini
Le mboleko yesikhashana esetyenziselwa ukulungisa ukwakhiwa okugqityiweyo okanye umbolekiso wepropati yepropati kwiprojekthi, ekugqibeleni igqityiwe, iya kuvelisa ingeniso.
Emva kweminyaka emithathu ukuya kweyesihlanu yokuvelisa ingeniso yemboleko yemvume encane ithathe indawo yenkcitho yexesha elide . Imali-mboleko yemini i-Mini imvume itholakala kwiibhanki zorhwebo.
Inkcitho yokuThabatha
Imboleko yemali yokuthatha imali inganika inkxaso-mali engapheliyo kwiiprojekthi apho i-mboleko yesikhashana, njengemali-mboleko yesikhashana, okwangoku ikhoyo. Ababolekisi abaninzi bafuna abaphuhlisi babo ukuba bafumane umboleko wokuthatha imali ngaphambi kokuba ihlawulwe imali emfutshane-mboleko .
Imali yoTywala yoTywala
Oku kuhlawulela abasebenzi kunye nezinto ezisetyenziswayo ukwakha iphrojekthi. Imali-mboleko yokwakha yesikhashana ivame ukusebenza kwiinyanga ezili-18 ukuya kwezingama-36, kwaye ihlaziywa emva kokuba i-mortgage-long mortgage ikhoyo.
Lizwe elitsha kunye neCrowdfunding
Le entsha ibhola yebhola yenkxaso-mali yeprojekthi. I-Crowdfunding idibanisa abatshali-mali abancinci ukuba bahlahlele imali kwiiprojekthi ezithile. Ukwenza uphando lweGoogle kwi "crowdfunding" kuvelisa inani leenkampani ezibandakanyekayo kwishishini. Benza imali yabo kwimirhumo ehlawulwa ngabo bobabini-mali kunye nabaphuhlisi.
Esikhundleni sokusondela kwiibhanki ezimiselweyo zemali-mboleko, abaphuhlisi bangabhalisa ngeqonga le-crowdfunding ukuphakamisa iimali ezifunekayo. Abatyalomali abangenakho ukuthatha inxaxheba ngamanye amaxesha banokubandakanyeka njengento encinane njengama-$ 1,000, nangona kubakho ubuncinane amahlanu.
Nangona kunjalo, i-$ 50,000 yokutyalomali ayiyi ku vumela umntu ukuba abe negalelo kule projekthi ezinkulu kwixesha elidlulileyo.
Kukho iingxaki kubaninzi abatyala imali. Nangona izinto zikhulula kakhulu, amaninzi kula mathuba avulekileyo kuphela "kwi-Investors Accredited". Imimiselo ye-Federal ilawula ukuba ithathwa njengemvume, kwaye ziimeko ezininzi ezifanelekileyo, ezinxulumene nolwazi olunemali kunye nolwazi-mali.
Iindaba ezilungileyo kukuba i-crowdfunding ikhula ngokukhawuleza kwaye urhulumente uqala ukuvula iindlela zentengiso yabancinci ngaphandle kokubaluleka okukhulu kokubandakanyeka. Kuya kuba ngokuqhelekileyo, kunye neeprojekthi ezivela kwizakhiwo ezincinci zeofisi kunye nevenkile kwiindawo eziphakamileyo zamakhondomu zixhaswa ngemali ngale ndlela. Ukuba ufuna ukuziqhayisa ngokufumana isiqwenga sesitolo esikhulu esitolo esikhulu kwisixeko sakho, le yindlela onokukwazi ukwenza ngayo.