Ngaphandle kokubala kokuqala konyaka ukubuyisela ubulungisa , umnini-zimali wezindlu ungathanda ukwazi ukubuyela kwabo ngokulinganayo njengoko kulandelwe iminyaka okanye i-experienced year after year.
Oku kubalulekile, njengokuba ipropati ixabisekile kwaye i-mortgage ihlawulwe ngaphantsi koko, inani lemali elityaliswe ngolu hlobo lingasetyenziswe kangcono kwenye indawo ukuba ukubuyela kwangoku kubulungisa kusezantsi.
- Ubunzima: Kulula
- Ixesha elifunekayo: imizuzu eyi-10
Nantsi indlela
- Fumana ngokuchanekileyo kunokwenzeka ukuba uqikelelo lwenani elikhoyo okanye elixeliweyo lepropati. Kulo mzekelo, siya kusebenzisa i-$ 510,000 njengexabiso lempahla.
- Qinisekisa ukufumana imali. Ngokomzekelo wethu, makhe sicinge ukuba ibhalansi yemali i-$ 375,000.
- Emva koko abale i-Cash Flow emva kweeNtlawulo (CFAT) . Siza kusebenzisa i-$ 17,000.
- Ukubuyela Kwethu kwi-Equity yi-CFAT / (Ixabiso-Imali):
I-17,000 $ / (i-$ 510,000-$ 375,000) = .126 okanye i-12.6% yiNguqulelo yethu kwi-Equity
Iingcebiso
- Kulo mzekelo, ukubuya kubulungisa kubonakala kuqhathaniswa nemilinganiselo yenzala ephezulu. Nangona kunjalo, ukuba imali yokubolekwa imali ihlawulwe ngaphaya kwaye ixabiso liye laphakama ngaphezulu, umphumo unokube unesiqingatha okanye uthathe i-6%.
Kwimeko enjalo, kungenzeka ukuba ukuthengisa impahla kunye nokutshala imali kwenye kuya kuba nobulumko ngenxa ye-ROE engcono kwipropati entsha.
Masibukeze i-ROI kwi-Property Rental Investment
Kukho izizathu ezintle zokuba kutyala abatyali bafumanisa ukuba iimpahla ezihambayo ezivela kwiimpahla zentengo kunye nezibophelelo kwiimpahla zengingqi zingakwandisa kakhulu i-ROI yazo, Buyisela kwi-Investment.
Makhe sijonge oko kwenza ukuba i-real estate ibe nenzuzo kakhulu:
- I-Insurable: Yinto ebonakalayo eyona nto uqinisekisayo ngokulahlekelwa. Ukuba lonakaliswe okanye lonakaliswe, uyahlawulwa. Ukuba unesabelo samasheya kwaye inkampani iya kuphazamiseka okanye kukho iindaba ezizuzayo zemali kunye neendleko zakho zezabelo ziyawa, ezo zikhefu.
- I-Finite: Bayakwazi ukushicilela nokukhupha izabelo zesitokisi kwinkampani, kodwa kunendawo enkulu kakhulu kwihlabathi. Ewe, unokwakha okuthile kuwo, kodwa kusekho enye indawo ekhethekileyo yomhlaba.
- Iintlawulo zeNtlawulo zeNtlawulo ngeNtlawulo: Inzuzo yakho xa izitokhwe zithengiswa zigqitywa ngonyaka, kuthengiswa. Ungasebenzisa i-1031 Exchange Exchange echaziweyo esuka kwi-IRS ukuchasisa irhafu yentlawulo yeenzuzo kwiintengiso ekuthengiseni i-investment real estate. Enyanisweni, unokuyixela ngonaphakade! Ukuba ukhulisa iphothifoliyo yakho kwiminyaka usebenzisa i-1031 Intengiso ngokufanelekileyo, awuzange uyihlawule nayiphi na irhafu yentlawulo. Ukuba udlula, iindlalifa zakho zidla ifa lepropati kwixabiso layo langoku, kwaye zonke ezo mpu melelo ziphela! Ewe, unako ukuyithatha nawe ngendlela.
- Ukuhamba kwemali kunye nokubuyiselwa kwexabiso: I-estate estate ngexesha lexesha libonakaliswe ukuphakama kwixabiso, nangona kukho i-hiccups endleleni. Ngoko, unempahla yokuqashisa, ufumana ukulingana ngokuxabisa kwaye uqeshisa ngaphandle kweendleko zokuhamba kwemali ngenyanga.
- Ukukhula kweZemali ngokuThumela phantsi ukuThengwa kwemali: Uhlawula ukuba intlawulo yempesheni nganye ngenyanga, kwaye inxalenye yayo iya kubulungisa. Uyakwakha ixabiso lempahla onokuyiboleka kwiirhafu ezilungileyo kakhulu.
- Ukunciphisa iindleko ezinkulu: Uza kukhangela ulawulo, ukugcinwa, kunye neendleko zokusebenza, kunye neerhafu zendawo yokuhlala kunye nemali engenayo okanye inzuzo evela kwezinye iimali.
- Ukunciphisa isipho: Unokuhlawula ixabiso lezakhiwo (kungekhona umhlaba) ngaphezulu kweminyaka engama-27.5. Le nto ayiyiyo imali oye wachitha, kodwa ufumana idola-dollar-off-off ngokumalunga neholo lokunciphisa ngonyaka.
- Ukuphakama Okumngcipheko Okukhulu: Ukusebenzisa i-mortgages, unokusebenzisa i-80% okanye ngaphezulu kweendleko zokuthenga kwendawo yokuqashisa. Kutheni uchitha i-$ 200,000 ukuthenga imali enye ekhaya xa ungathenga ezine zazo kunye neentlawulo kwaye ubeke ezo ntlawulo ezine zebhanki nganye kwinyanga?