Inombolo encinane inokukuxelela ukuba unako ukwenza imali.
Umngeni wokuxabisa ipropati enjalo ayinzima kangako njengoko ingava. Enyanisweni, ukubala isantya semali ye-real estate kulula kwaye akufanele kuthathe imizuzu engaphezu kwemihlanu okanye njalo.
Iqala ngokuqonda ngokuchanekileyo kwinqanaba le-cap.
Ingakanani Imali Yentengo?
Isilinganiselo senkokhelo isilinganiselo sokubuyisela onokuyilindela kwi-investment yakho ngokusekelwe kwimivuzo engakholelwa ukuba loo propati iya kuvelisa. Yiyo ke into ebalulekileyo kakhulu. Awuyi kutyalomali ngenjongo yokulahlekelwa yimali.
Le ndlela yindlela enkulu yokuthelekisa iipropati ezifanayo kuba zonke iindleko ziqwalaselwa. Xa iipropati ezimbini zibonakala zifana kakhulu kodwa enye ibiza iindleko ezingaphezulu, kuba kungenxa yokuba kuvelisa imali engaphezulu okanye kuba ineendleko eziphantsi.
Indlela yokubala i-Cap Rate
Unako ukubala isantya semali ngokusebenzisa i-net income income kunye neentengo zentengiso zakutshanje eziphathekayo. Ixabiso lentengo liye lamiselwa kwaye lisetyenziselwa kwipropati ocingela ukuthenga ukugqiba ixabiso lexabiso lemali elikhoyo ngokusekelwe kwingeniso.
Okokuqala, fumana ixabiso lentengiso yakutshanje yepropati efanayo yengeniso.
Makhe sisebenzise umzekelo weprojekthi yeprojekthi yecandelo elithandathu elithengiswa nge $ 300,000.
Ngoku qinisa imali engenayo yokusebenza kwiprojekthi yeprojekthi, okanye irente zokuqashisa ezifunyenwe ngabanini. Susa zonke iindleko zokusebenza ngaphandle kwemali. Oku kubalwa kukuxabisa ipropati ngokungathi uyihlawule imali.
Yithi ingeniso yokuqasha emva kokuba zonke iindleko oye zithathelwa yi-$ 24,000. Ngoku kwahlula ukuba inzuzo yentsebenzo enomvuzo ngenani lokuthengisa ifikelele kwi-cap rate: i-$ 24,000 kwiindleko ezidibene nexabiso leentengo zama-300,000 zexabiso lokuthengisa likunika ixabiso lemali ye -08 okanye i-8 ekhulwini.
Indlela yokusebenzisa i-Cap Rate
Umtyalo-mali unokusebenzisa isantya sesantya ngeendlela ezimbini. Unokufuna ukuxabisa ipropati enenjongo yokuthengisa ngokusekelwe kwiirhafu zeekethi zeemarike zezinye iimpahla ezithengiswa ngokutsha, okanye unokufuna ukufumana ukuba ixabiso lexabiso lepropati liqikelele ukuba ucinga ukuyithenga.
Xa uthengisa
Masithi ungumnikazi weprojekthi encinane kwaye ufuna ukuyithengisa. Uqokelela ulwazi malunga nezakhiwo ezithengiswa kutshanje kwindawo efana neyakho. Baya kuba neeyunithi ezingaphezulu okanye ezimbalwa, kodwa uzama ukufumana iipropati ezifana neyona ndlela ofuna ukuyithengisa.
Ufumana ezintathu iimpahla eziye zithengiswa kwiinyanga ezintathu okanye ezine ezidlulileyo. Icandelo elikhohlakeleyo liyakwazi ukufumana i-income income yabo. Ngamanye amaxesha olu lwazi lushicilelwa kwisihlomelo njengendawo yokuthengisa, kodwa kaninzi akunjalo, ngokukodwa xa inzuzo engenayo inetha ayimnandi. Unokufumana olu hlobo lwazi oluvela kwi-arhente yezindlu zentengiso, nangona kunjalo, ngokukodwa ukuba uya kubhala uluhlu lweentengiso ezithengiswa naye.
Ngoko ufika kwii-matatu zeefowuni zepropati ezilinganiselwa kuma-9.2 epesenti. Imali engenayo yempahla yakho ye-intanethi i-$ 31,000. Ngoku konke okufuneka ukwenze kukwahlula umvuzo wenzuzo ngenqanaba le-cap: i-31,000 yee-dollar ihlukaniswe ngu -0092 iphuma ku-$ 226,957. Kukho ixabiso lepropati yakho.
Unokusekela ixabiso olifunayo ukuba licele ipropati kulo mfanekiso kwaye uyifake kwimarike.
Xa Ucinga ngokuthenga
Uza kusebenza kunye neepropati ezidwelisweyo xa uthelekisa iimpawu zesigqibo sokuthenga. Oku kwenza kube lula ukufumana imali yabo yokusebenza ngenetha kunye nokubala isantya somlinganiselo ngamnye. Unokuziqhathanisa ukuze ubone ukuba yeyiphi enye into eya kuthenga.
Kodwa qwa lasela iindleko zabo kunye neenkontileka nangoko, kuba omnye unokunyuka phezulu ukuba unokufumana amathuba okunciphisa iindleko okanye ukwandisa iindleko.
Unokufumanisa ukuba iindleko ziphakame ngokwemvelo ngohlobo lwepropati kunye nobukhulu, okanye unokufumanisa ukuba iirhafu ezihlawulwayo ziphantsi kwexabiso lemarike yeepropati ezifaniswayo. Kule meko kuza kunyusa izinga le-cap, okwenza ibe yipropati engcono xa ikulungiswa.
Masithi unayo iso lakho kwiprojekithi ethile yeeplani yeeflethi ezidweliswe kwi $ 495,000. Ngaba kufanelekile ukuba kwimarike yangoku okanye ingaphezulu? Kwakhona, fumana iipropati ezinokulinganiswa kunye nomyinge wexabiso lokuthengisa. Siza kuphinda sisebenzise i-9.2 yeepesenti yentlawulo kwakhona njengomzekelo.
Ukuba inzuzo yomnatha yomhlaba yale propati i-$ 39,500, ngaba ufanele ukubiza intengo? Hayi, kuba ukwahlula loo ntlawulo ngenqanaba le-cap kukunika ixabiso leedola ezingama-429,348. Intengo yokucela i-$ 495,000 idlula ngaphaya kwamanqaku.
Ingeniso yomvuzo onokuyifunayo ukuba ufumane uluhlu lwaluhlu lwexabiso? Yitshintshile ifomula uphinde uphinde uphinde uhlawule inani lentengo nge-cap rate. Yongeza i-495,000 yee-9.2 zeepesenti kwaye ufike ngenzuzo efunekayo yentlawulo ye-$ 45,540.
Kodwa khumbula, kunokubakho izizathu ezilungileyo zokuba kutheni ipropati iya kulungelelanisa isilinganiselo sokwenza ngcono. Kungenzeka ukuba indawo okanye iimpawu kunye nomgangatho wezakhiwo kunye nommandla. Yonke into kufuneka ihlolwe ngaphambi kokuba wenze isigqibo, kodwa isantya senqanaba sinceda.