Xa usebenza nabaxumi bezentengiso-mali, kubalulekile ukuba unolwazi ukubanceda ukuba bafumane ukusetyenziswa kotyalo-mali. Ukuhamba kwemali kubaluleke kakhulu, njengoko kungaboniyo ukuba ezinye izinto zichithwa ngenjongo yerhafu. Ukubuyiswa kweerhafu kukuxelela ezinye izinto, kodwa ukuhamba kwemali kukuxelela okungakumbi.
Emva koko, umtyalo-mali ngamnye unenjongo eyahlukeneyo yoshishino kunye noxanduva lweentlawulo ezahlukeneyo ngokusekelwe kwimali engenayo kunye nezinye izinto.
Asikhathalele ngokwenene loo nto. Siyakhathalela malunga nendlela utyalo-mali oza kuyenza ngayo, kwaye siyishiya kumtyalo-mali ukuba sibone ukuba ihlangabezana neenjongo zabo kunye neemeko zerhafu.
Umtyalo-mali weqashiso unomdla kakhulu ekuphumeni kwemali. Siyona sizathu esibalulekileyo sabantu abaninzi ekungeneni kwintsebenzo. Ngokuqinisekileyo, ipropati kufuneka ikhulise inani ngelixesha lobunikazi, kwaye banokwenza inzuzo xa bayithengisa. Kodwa, yile tshenkethi yenyanga kwi-bhanki enkulu.
Ubunzima: Kulula
Ixesha elifunekayo: imizuzu eyi-15 emva kokuqokelelwa kwedatha.
Nantsi indlela:
- Qalisa ngeNtsholongwane yokuSebenza yeNtsalelo yepropati.
- Ukukhupha imali ngaphandle kwenkonzo yamatyala. Le mali isetyenziselwe yonke intlawulo yemboleko, umdla kunye nomgaqo.
- Ukukrazula nayiphi na inkcitho. Oku kuya kuba yimali esetyenziselwa ukuphuculwa kwipropati, nokuba ingahlawulwa loo nyaka okanye cha. Le yintlawulo echithwayo.
- Yongeza nawuphi na umboleko wemali. Le yimali ebolekwe ngemboleko ngaphandle kwento yokuqala yokuboleka imali. Ukuba wenza iinguqulelo zentengo, kodwa wakhipha imali mboleko ukuyihlawula, ubeke imali leyo mboleko njengolu kongeza.
- Yongeza nayiphi na inzala. Ukuba ipropati ineemali-mboleko okanye utyalo-mali okhupha imali enomdla, yongeza apha apha.
- Ngoku ufikile kwisiphumo, esiyi-Cash Flow phambi kweeNtlawulo (CFBT) kule propati. Nantsi umgca we-line:
- Qalisa ngeNtshukumo yokuSebenza yeNet
- Ukukhupha iNkonzo yeMatyala
- Ukuthintela ukuphuculwa kwezakhono ezinkulu
+ Yongeza iNgxowa-mali Imali yokubolekwa kwemali mboleko
+ Yongeza kwakhona nayiphi na inzala
= Ukuhamba kwemali phambi kweentlawulo
Iingcebiso:
Fumana i-Real Estate Financial Calculator Lapha .
Ezinye iiNzuzo zoLondolozo lweMpahla yeRhafu
Ukuhamba kwemali kuyidrafti enkulu, kodwa yinye yeenzuzo ezininzi ezininzi ezifumanekayo kubarhwebi bepropati eziqashisayo. Kukho abantu abaninzi ngonyaka ukuguqula ezinye iiklasi zabo zeefa, njengezifuba kunye nezibophelelo, kwi-real estate. Ininzi iyakwindawo yokuqashisa, kwaye amaninzi amakhaya osapho angatshatanga. Kuyinto yemvelo, njengoko banamava kwintsapho yabantwana abangabodwa; bahlala kwelinye.
Umyinge omtsha-mali ukhululekile kunye nokuqeshiswa kwabantwana abangatshatanga, kwaye abaninzi baye baqeshisa indawo yokuhlala okanye ikhaya kwikhaya labo. Ngoko ke, banokwenza lula ukuba utsalo-mali luxhumeke kuloo marike. Enyanisweni, abanye bayifumana into evuyisayo ukuphuma kumqeshi odlulileyo kumnini womnini.
Kukho ezinye ikhefu ezinkulu zerhafu kwiindawo zokutsalwa kwezindlu zokurenta. Ngokuqinisekileyo unokukrazula ngokuqhelekileyo zonke iindleko zolawulo, ukukhangisa, ukugcinwa kunye nokulungiswa okuqhelekileyo.
Unokuphinda uthathe inzala yomhlalaphantsi . Kodwa, ukuxothwa okuntle kufike ngaphandle kokuba uchithe i-dime imali esikhwameni. Ukuncitshiswa kwexabiso . I-IRS ikuvumela ukuba uthathe ukuhla kwexabiso lokuqeshisa iminyaka engama-27.5. Ixabiso lomhlaba kufuneka lisuswe.
Oku kubangela amawaka ambalwa eedola ekuncitshisweni minyaka yonke, kodwa awuzange uchithe loo mali. Ngoko, kufana noMalume Sam ubeka imali kwiifokethi zakho. Njalo qhagamshelana nomgcini-mali nangona kunjalo. Ukuba uthengisa ipropathi kamva ungase ufune ukubuyisela enye yale nto njengemali yokunciphisa ixabiso.
Ipropati yokuqeshisa nayo ibonakala ingengozini kakhulu kunamasheya. Nangona izibophelelo zingabungozi kangangoko, ziqheleke ukuba zibe nezivuno eziphantsi kakhulu. Ukubuyiswa kotyalo-mali, i-ROI, kulunge ngakumbi kwindawo yokuqashisa.
Ezi zinto zizinto ezilungileyo zokukwazi ukuba uya kuxoxwa ngepropati yepropati etyalomali. Wonke umntu kufuneka aqale kwindawo ethile.