Ixabiso lilingana nomvuzo osebenzayo wenetha olwahlukileyo ngesahlulo se-cap
Ukuba ungumtyalo-mali wezindlu kwaye ucinga ukuthenga ipropati, enye yezinto zokuqala oza kuthanda ukuyenza kukuba awuyikuthi kuphela ukuba ixabiso lemarike yepropati kodwa i-income income kunye neendleko zayo.
Iya kukuxelela ukuba iyahlangabezana nokuhamba kwemali yakho kunye neenjongo zokuzuza. Kwaye ukuba uqala, ukuqonda isilinganiselo se-cap kubalulekile ekukhuleni kwakho kwexesha elizayo.
Ukuqulunqwa kwexabiso lePropati
Okokuqala kufuneka uqaphele inzuzo yentsebenzo yenetha (i-NOI) yesakhiwo eso sifundo oza kucinga wena okanye umxhasi wakho. I-NOI yepropati yerenti iinqwelo zayo ezingaphantsi kweendleko zayo. Ukuba ngaba yindawo yokuhlala, qinisa imali engenayo yentlawulo emva kwenkohlakalo yokugcina.
Oku kunokuba ngumceli mngeni ngenxa yokuba, kuya kufuneka ube nemali engenayo kunye neendleko ezivela kwipropati ekhoyo kuphela umniniyo. Kodwa ungaphinda uqikelele i-NOI ngokuphindaphinda intengo yokuthengisa ngexabiso lentengo.
Umzekelo
Iprojekthi yeprojekthi yecandelo leyunithi ingabangela iR $ 30,000 inzuzo enenzuzo kwiingqeshiso. Qinisekisa ireyithi yexabiso lemali ukusuka kwindlela yakutshanje, efaniswayo, ethengiswayo. Ngoku kwahlula umvuzo wenzuzo ngenetha ngexabiso lemali ukuze ufumane ixabiso lexabiso lepropathi langoku.
Masithi indawo yakho efaniswayo ithengiswa ngama-250,000. Uzimisele ukuba i-NOI yepropathi emva kokunciphisa iindleko ezifanelekileyo i $ 50,000. Hlukanisa ngexabiso le-250,000 yokuthengisa. Unesilinganiso semali ye-.2 okanye i-20 ekhulwini.
Ukuba uthatha isantya semali engama-20 ekhulwini. Iifama ezingama-30,000 ezahlula ngamaphesenti angama-20 ziyi-150,000 zamaRandi, eziza kuba yixabiso langoku le propati.
Ezinye i zixhobo
Gcina ukhumbule ukuba oku akuyona indlela kuphela yokubala ixabiso lempahla yengeniso. Yisithuluzi esisodwa kwibhokisi. Ulwahlulo oluthile lokubala kunye nokusebenza kwemali ukuba abatyali-mali kunye nabaqeqeshi bezakhiwo abahlala basebenzise kwimisebenzi yabo yemihla ngemihla yonke inenani elithile.
Kukho iincwadi ezizaliswe zibalo eziyinkimbinkimbi ezisetyenziselwa ukuxabisa i-real estate kunye nokuchonga ukusebenza kotyalo-mali kunye nepropati yobunini bezindlu eziqashisayo kunye nemisebenzi. Uninzi lwabatyalomali basebenzisa i-half half-or even these calculations regularly for investment housing. Ezinye zifaka isicelo kwizinto eziphathekayo, ezinye zilungisa amaprojekthi, kwaye ezinye ziza kutyalo-mali. Ezinye zi luncedo ngakumbi kumtyalo-mali oqeshisayo ekuqaliseni ukusebenza kwexesha elide kwiipofoliyo zabo.
Investment Investment Investment
Inqanaba elitsha leemathematika libandakanyeka kutyalo-mali lwentengiso. Kukho ezinye izibalo ezikhethekileyo ezisetyenzisiwe ngababolekisi ukuchonga ukuba ingahlawulwanga ukuthenga okanye iprojekthi. Kukulungele ukwazi ngabo ngokuba abaninzi abatyebi-mali bezindlu zokuhlala bahlala kwiindawo ezininzi zentsapho kunye nokuthengiswa kwepropati.
Ukukhetha ukuba yeyiphi ixabiso lokubala kunye nenzuzo yokusebenzisa kuxhomekeke kwiinjongo zakho kunye nohlobo lwepropati.
Ukuba ungumtyalo-mali uthengisa iipropati zokuqashisa-zentsapho, uza kusebenzisa izibalo kodwa mhlawumbi ungaba nomdla kwisilinganiselo se-cap kunye nezinye izibalo ezinokwenziwa ngamaninzi.
Utyalo-mali lweRhafu
Isiqalo sesicwangciso-mali sokuqashisa ipropati esiphumeleleyo siqikelelo oluchanekileyo lwemveliso yokuqashisa ipropati. Xa unempahla yokuqashisa, umnini-mali wokuqeshisa umnatha usitsho ukuba utyalo-mali lwakho lwenziwa njani ngokungabikho nje kweemarike kunye nerenti ezibandakanyiweyo, kodwa kunye neendleko zakho, kuquka ukuphathwa nokugcinwa.
Ngaphantsi
Abo bafaka imali kwiindawo eziphathekayo ngeendawo ezizaliswa ngeniso kufuneka babe neendlela zokubaluleka kwipropati abacinga ukuyithenga. Iifom ze-Cap zisetyenziswe ngokubanzi kwiimveliso zentengiso kunye neentlobo ezininzi zentsapho kunye nezifundo zokuzuza.
Zingasetyenziselwa ukuchonga intengiso efanelekileyo yepropati-okanye ukusuka kolunye uhlangothi, ixabiso lepropati eluhlu ngokumalunga nexabiso elibuzayo.
Njengeengcali zendawo yokuhlala ekunikezeni abathengi batyalo-mali, kufuneka uqhelanise nazo zonke iindlela zokulinganisela kwempahla yengeniso. Ukuba wenza yonke isondlo sakho sendawo yokuhlala kunye nolawulo, unganakho naziphi iindleko ezibandakanyekayo ngaphandle kwezixhobo ukuba awuxabisi umsebenzi wakho. Nangona kunjalo, kuninzi kakhulu ukuba uya kuba neendleko ezininzi ezibandakanyekayo kwaye inzuzo yakho yentsebenzo ngenetha iyinombolo oyifumanayo emva kokuncitshiswa kweendleko.