Inzuzo kukusetyenziswa kwezixhobo ezahlukeneyo zemali okanye imali eyimali ebolekelwe ukuthenga kunye / okanye ukwandisa ukubuyiswa kwengeniso-mali esetyenzisiweyo-eli gama lisetyenzisiweyo kwiWall Street kunye neMakethe yeNdalo eThekwini.
Umzekelo olula kakhulu we-real estate yintengo yokuthenga imali, apho usebenzisa imali yakho ukunyusa ukuthenga. Kwiimeko ezininzi, i-20% yentlawulo ephantsi (kunye ne-historic credit card) ikufumana i-100% yepropati kunye nendlu oyifunayo . Ezinye iinkqubo zokuthenga imali zingakuvumela ukuba uzibeke phantsi.
Ukuba ungumtyalo-mali wezindlu , unokusebenza ngaphakathi kubambiswano kwaye amaqabane angayifaka yonke imali, okanye abathengisi bangathanda ukufumana imali yentengo yepropathi ayithengisayo. Yonke imimiselo yokuphakamisa
Umzekelo weMithombo
Masithi uthe wafuna indlu kwindawo enkulu. Ufumana iipropati ezi-2: indlu eyi-$ 500,000 eyayiza kuyidinga imali yokuthenga imali, kunye ne-100 000 yezindlu ongayithenga ngokuthe ngqo.
Isimo soku-1: Uhamba phambili kunye ne-$ 500,000 indlu, ibhanki kwaye baya kukunika imali engama-400,000 yemali xa ubeka i-$ 100,000, okanye i-20%. Ukucinga ukuba i-real estate kule ndawo iya kunyuka mhlawumbi i-5% ngonyaka, kwiinyanga ezili-12 utyalo-mali lufanele u-$ 525,000.
Isimo sesi-2: Uthenga indlu eyi-100 000 yezindlu ngokungekho nkcitho kwaye awukhokhwa mntu. Ukuba iimakethe zendawo yenyuka iya kunyuka ngama-5% ngonyaka, kwiinyanga ezili-12 utsalo-mali lwakho lufanele u-$ 105,000.
Kwimeko yesi-1, ukuphakama kwenzelwe ukuthanda kwakho, ukwandisa ixabiso lentengiso yakho yezindlu. Kodwa, ukuba amaxabiso e-estate abiwe ngama-5% kunyaka wokuqala, iSimo 1 silahlekelwe ngama-25,000. Ingxelo yesi-2 iya kubona ukuhla kwe-$ 5,000 kuphela.
Izinto ezifanele ziPhephe ekuSebenziseni kweMpahla
Isetyenziswe kakuhle, ukuveliswa kwezindlu zangasese kungabakho isixhobo esinemveliso kubatyalo-mali bezindlu zokuthengisa ukunyusa ukubuyela kwabo kotyalo-mali. Isibalulekileyo kukugwema ukwenza izigqibo ngaphandle kokuqwalaselwa ngokufanelekileyo kwimimandla yengozi ekuphakanyeni. Gwema ezi ziphene ezinobungozi obuphezulu kwaye unethuba elingcono kakhulu lokufumanisa impumelelo ekusebenziseni ubukhulu bezindlu.
01 - Ukubala kumazinga aphakamileyo okuxabisa
Nangona ipropati iye yaxabisa kwi-12% ukuya kuma-20% umlinganiselo wenani leminyaka, ukubala kuloo nqanaba ukuqhubeka kuyisiphakamiso esiyingozi kakhulu. Ingakwenza ukuba uhlawule iipropati, ukulindele ukuba uqaphele umahluko ekuthengisweni kwixabiso. Ukuba akunakwenzeka, ubambe ilahleko okanye ngaphezulu.
Xa uceba utyalo-mali obuthileyo obuqashisayo, ubuncinane, kwiimeko ezintathu: bhetele; kakhulu; kwaye kunokwenzeka.
02 - Ukuphelela phezulu kunye neNtlawulo ephezulu
Kungabonakala ngathi utyalo-mali olukhulu ukulawula ipropati ngenkokhelo encinci kakhulu. Ukhangelelanisa amanani kwaye ubona ukubuyela okuphezulu kunotyalo-mali ngenxa ye-cash outlay yakho.
Ingxaki yintlawulo ephakamileyo ezayo enexabiso eliphezulu. Ukuba ngaba le mboleko, ngokomzekelo, unokuba nethemba lokuba wenze iintlawulo zenyanga, kwaye ubolekise ngaphezu koko, imali ephezulu yenyanga yokuhlawula.
Ukuba iimarike zincinci okanye iipropati zakho zinezikhundla eziphezulu kunokuba zilindeleke okanye ilahleko zeentengo zemali, ungakufumanisa ukuba awukwazi ukugcina ezo ntlawulo eziphezulu ezithengiswayo ekuqaleni. Ukuba awukwazi ukwenza iinyanga, utyalo-mali lwakho usemngciphekweni.
03 - Ukuvumela Isiphumo esihle seNkxaso-mali ekuthengeni okubi
Uninzi umtyalo-mali uye wahlawulwa ngaphezulu kwepropati kuba bafumene i-nirvana kwi-high grade financing setting. Kuthetha ngokungafaniyo, ngenxa yokuba unako ukufumana ipropati ene-cash outlay ayitsho ukuba kuthengwe kakuhle. Khangela ukubaluleka kwepropati kumxholo weendlela ezikhoyo kunye nokulindeleke kweemarike. Fumana "ukufanisa" okanye ezinye iipropati ezifana nazo. Bathengise ntoni? Yintoni e thengisa kwindawo?
Ukuba ipropati igqithisiwe, ukwazisa kuya kuba mncinane okanye kukubi, kungabi khona. Kwaye maye kuwe ukuba ithengiseli lizibuyisela ixesha elide. Ipropati yakho eyongeziweyo iya kuba idonga elikhulu kwaye awuyi kukwazi ukuyilayisha ngaphandle kokuthatha ilahleko.
04 - Ukulibala ukuba ukuhamba kwemali nguKumkani
Ukuba nje enye yalezi "aziphatheli" ziphatha entliziyweni yakho, ngulo omele ucinge ngenyameko. Iimpazamo kwisigwebo omnye okanye ngaphezulu kwezinye izinto apha zinganakukhatywa ukuba unaloo nto inkulu-ukuhamba kwemali ehle kakhulu .
Ukuba ingeniso yakho yokuqashisa, unciphisa iindleko zakho zokuthenga imali kunye neendleko, ubeka imali enhle yokubuyela kwiifokethi yakho nyanga zonke, ngoko ukuba ipropati ayifumananga ngokubaluleka kulo nyaka ayiyi kuba yinto engathandekiyo kwisiganeko. Kodwa ukuba zonke izityalo-mali zakho ezisezantsi ziphantsi, uninzi lwamanzi ashushu.