Inkcazo: Imboleko yokuxabisa okanye i-LTV umlinganiselo wepropati ipesenti yexabiso lepropati elithengiswayo. Ukuba ulwahlula umlinganiselo wokubolekwa kwemali ngomncinci wexabiso elithengisiweyo okanye intengo yokuthengisa, ufumana i-LTV.
Kukho iimfuno ezibolekileyo zemali-mboleko ezisetyenzisiweyo ukuchonga ukuba ngaba i-mboleko iya kunikwa nge-LTV ethile. Kuqhelekile ukuba izakhiwo zokuhlala ezihlala kumnini zifumane iimali mboleko kwi-LTV yama-80%.
Nangona kunjalo, xa ipropati ibe yintalo-mali, ababolekisi baya kudla i-LTV ephantsi.
Ukuboleka kwexabiso kusetyenziswe kwintengiso yeentengiso kunye.
Umzekelo: Ixabiso lexabiso elilinganiselwa ku-300,000 lekhaya.
Inkcitho ye-240,000 yepropati.
I-240,000 / $ 300,000 = .80 okanye i-80% Inkcitho kwi-Value Ratio
I-Real Estate Estate Primer
Kubaphathiswa bezindlu ezicinga ukufuduka kwiindawo zokuhlala ezithengiswayo, kuya kukunceda ukuba ufumane uluhlu oluthile lweempawu eziphambili kunye nokwahlukana. Ezi nqaku zibhalwa ziingcali kwi-niche yazo.
I-real estate ye-Commercial ingaba ngumsebenzi ocebisi kakhulu. Nangona kunjalo, ngokuqhelekileyo kunzima ukuhamba kwicala loshishino, ngamanye amaxesha kunyaka okanye ngaphezulu ngaphambi kokuba nayiphi na ingeniso ifikelelwe. Ngamanye amaxesha indlela oyikhetha ngayo i-brokerage ye-real estate yorhwebo ingenza konke umehluko. Funda oko unokuqwalasela kwinqaku kwikhonkco.
I-real estate yezoshishino iquka iqela leentlobo ezahlukeneyo zezakhiwo kunye nokusetyenziswa , kunye nelizwe elingenamntu.
Funda okucacileyo malunga nezinye zezona ziqhelekileyo apha.
Ezi zigaba zixoxa ngokuthengiswa kwepropati yangempela, umhlaba kunye / okanye izakhiwo. Nangona abanikazi bezentengiselwano badla ngokuthengisa ishishini labo kunye ne-estate, ukulinganiswa kweshishini loshishino ngokwalo lugqithwanga kule ngxoxo.
Iintlobo zentengiso yezorhwebo ngokuqhelekileyo zilandelelana nezindlu zokuhlala kwaye zichaphazela ukuboleka kwezindlu zentengiso. Kungenxa yokuba amaziko okuthenga, izakhiwo zeofisi neeehotele zivame ukwakheka ukuxhasa ukwanda kwendawo yokuhlala yokuhlala. Kuthatha ixesha elide ukufumana imali, ukwakha, nokuqeshisa isikhala.
Njengoko ugqiba inkqubo yokuxoxisana neqeshiso lakho lokuthengisa , uya kunikwa umqulu weshishini lokuqesha. Nazi iziqendu eziqhelekileyo zokuqeshiswa kwezorhwebo, kunye nenkcazo emfutshane kwezi candelo.
Ukufumana umninimzi kunye nomqeshi wezoqeshiso kwi-real estate ye-propati ifuna uhlobo lokuthengiswa kwezindlu zentengiso ezizuzisa zombini. Iimfuno zomnini-mali zifumana ingeniso kwirente kunye nokulawulwa kweendleko zokuqinisekisa inzuzo. Umqashi ufuna ukubamba iindleko zabo zokuqeshisa ngokungangoko kunokwenzeka. Ukusebenzisa uhlobo olulungileyo lokuqeshisa, banako ukwanelisa iimfuno zabo ngoxa bathetha ngokuthintana ngamanye amaxesha.
Nangona kukho imisebenzi eqhelekileyo xa kuthelekiswa nokuhlala kwendawo yokuhlala, ukungafani kubalulekile, kwaye ukwenza iindawo zokuhlala zendawo zorhwebo ngokuqhelekileyo zifuna kakhulu kuneemarike zokuhlala.
Abanini-propati bezentengiso bahlala befuna iimali-mboleko zokukwakha izakhiwo.
Emva kokuba izakhiwo zakhiwe, ngamanye amaxesha abanikazi bafuna ukuxhaswa ngemali ukugcina izakhiwo zabo ziqeshwe ngokugcwele kwaye zisesimweni esihle. Yingakho amabhanki, ababolekisi bamashishini abangasese, iinkampani zomshuwalense, iimali zempesheni kunye ne-US Small Business Administration inikezela ngemali-mboleko yezindlu ezithengisa umhlaba , ezinokuthi zivelise amaqhinga okuvelisa iziqhamo, ukudala amaqabane abashishini kunye nokubanceda abanini banqande ukuchithwa.
Iziganeko zokunxibelelana ziye zayingxenye yoshishino kunye nesimo senhlalakahle kwantoni na ukuba umntu akhumbule. Kubantu abaninzi, benza uhambo oluya kudokotela wamazinyo kubonakala luhle. Kwabanye, iziganeko zokunxibelelana ziyakonwabela, kodwa ngenxa yokuba ngubani na ukuba bachithe ixesha kunye nabo, banqwenela ukuba bacebe ukutyelela kudokotela wamazinyo endaweni yoko.
Kuya kubonakala ngokugqithiseleyo ukuba imidiya yoluntu ilapha ukuhlala, ubuncinane kwikamva elibonakalayo.
Abanikazi bamashishini amancinci abasebenzisa iisayithi zokunxibelelana ngokunxibelelwano ngokufanelekileyo bayakwazi ukukhuthaza amashishini abo ngendlela enamandla. Enye yezona ndlela ezilungileyo zokusebenzisa iindaba zentlalo kwishishini kunye nekhasi le shishini le - Facebook .
Ngethemba la manqaku anokukunceda wenze izigqibo malunga nokuthengwa kwezindlu njengempahla.