Ababolekisi basebenzisa ikhefu-nokuba libala njengenye yezindlela zabo zokuhlalutya xa becinga ukubonelela ngemali yepropati yendawo yokutsalwa kwezindlu. Ukuphakama kakhulu kwekhefu-kwanokuba isiqingatha sisilathisi sokulumkisa.
Ubunzima: Kulula
Ixesha elifunekayo: imizuzu emi-5
Nantsi indlela:
- Qinisekisa inkonzo yetyala le propati.
Kule meko, siya kuthatha inkonzo yenkohlakalo yonyaka we-32,000
- Qinisekisa iindleko zokusebenza zonyaka zepropati.
Kule meko, siya kuthatha ukuba ulawulo kunye nolawulo olusebenzayo ngonyaka luyi $ 47,000.
- Bala umvuzo wonyaka osebenzayo wepropati.
Siza kuthatha ingeniso ephezulu ye-$ 98,000 ngonyaka.
- Ukongeza iNkonzo yeMatyala kwiiNdleko zokuSebenza kunye nokwahlula ngemali yokuSebenza:
$ 32,000 + $ 47,000 / $ 98,000 = .81 okanye i-81% Ukuphuka-Kunye neRatio.
Iingcebiso:
Ingaba ufuna ntoni:
- Calculator
I-Crowdfunding for Investment Hassle-Free Investment
Ikhefu-kwanoxa umlinganiselo usetyenziswa ngababolekisi kumashishini abatyathelisi bezindlu. I-Crowdfunding intsha kodwa iyanda ngokukhawuleza ngenxa yemigangatho ephezulu kunye neenguqulelo zikaRhulumente ezitshintshileyo ezivulela abantu abaninzi abanamanani amancinci ukutshala imali.
I-Crowdfunding isebenzisa inzululwazi kunye ne-Intanethi ukuvula iprojekthi enkulu yezoshishino ekutyalomali abatyala imali. Amanye amathuba atholakalayo kubatyalomali abanama-$ 1,000. Uninzi, nangona kunjalo, ludinga i $ 5,000 ukuya kwii-25,000 zamawaka, kusekho ngaphantsi kwamanani amathandathu adingekayo ngaphambili.
Kukho ingxelo ngoku kutshanje nguJoe Stampone, i-blogger ye-NYC, kwaye iphakamisa iipokethi zayo eziphezulu kwiindawo zokuhlala ezixhamlayo. Ziquka iiplatifomu ezahlukeneyo kunye nezindlela zokutyalomali, ukususela kwi-equity ngokusebenzisa ityala lokutyalomali kwiindawo ezixhamlayo.
IiNdawo zeMali zoTyalo-mali
Masihambe ngeendlela ezisisiseko zeenzuzo okanye utyalo-mali lwezindlu.
Kukho iindlela ezininzi zokufumana inzuzo ekutyala imali . Xa uthengisa izitifiketi ze-stock yeenkampani, ukhangele ukuxabisa kwintengo yesitoko, kwaye mhlawumbi umvuzo wenkcitho xa inkampani ihlawula. Ngezibophelelo, u khangela isivuno semali ngenani lentlawulo ehlawulwe zibophelelo. Ngotyalo-mali lwamaxabiso, kukho iindlela ezininzi zokufumana ukubuyela okuphezulu kunotyalo-mali. Funda iindlela apho utyalo-mali lwakho lwezakhiwo luyakwandisa kwixabiso, kunye nokubonelela ngemali ehamba kakuhle.
Unokuqeshisa ukuba ube ngumtyalo-mali onomncinci wenkcitho yakho. Ukuqeshisa ukuba ube ngumnini wezindlu eziqashisayo ukutyalomali ayiyiyo isicwangciso sokuqhawula. Yibamba elide lokusebenzisa imali yokuhamba kwemali. Umtyalo-mali wepropati ufuna ukufumana ipropati iminyaka emininzi, ngokwenene, nje kuphela xa ivelisa ukuhamba kwemali eyamkelekileyo kwaye ayifuni ukulungiswa okubanzi.
Ukuxabisa - Iipropati zokuqeshisa ngokuqhelekileyo zixabisa ngexabiso kunye nexabiso lentengo. Ixabiso elongeziweyo lithetha ukuthengiswa nokuvuselelwa kwiipropati zexabiso eliphezulu, okanye ukubonelela ngomgca wokulingana kwemali-mboleko ukusetyenziswa kwabanye utyalo-mali. Yona yesibini, kwaye ibonakaliso lembali, elixabisekileyo liyinxalenye yokubuyiswa kwetyala lomhlaba.
Ukuhamba kwemali yiyona nto ebangela ukuba abaninzi abatyali-mali bathande izakhiwo zokuqasha.
Ukuba ucinga ngokutyalwa kwemali kwipropati yokuqeshisa impahla, kukho uphando oluninzi lokwenza. Kufuneka uqiniseke ukuba ufanelekile ukuba ngumnini-mnini, kwaye unayo ixesha lokulawula izakhiwo. Nangona kunjalo, zonke izinto ezikude ngoku, oko sifuna ukukwenza apha kukuhlola indlela ipropati eyenza ngayo ukuhamba kwemali kwimisebenzi yokuqeshisa.
Enye inzuzo isebenzisa izivumelwano zentengo . Ukujonga ngeprakethi yokuthengwa kwezindlu kunye namagama ambalwa nje angongezwa egameni lakho njengomthengi. Kuza kubonakala into efana nale: "Umthengi: uJohn J. Doe, kunye / okanye abelayo." Yiyo leyo. Kubonakala kulula, kwaye.
Amaqiniso asitsho ngokucacileyo ukuba utyalo-mali lwezindlu zineenzuzo ezininzi ezahlukeneyo ngaphezu kwamasheya, amabhondi kunye nezinye iiklasi ze-asethi. Yibone, kwaye uyavuma.