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Hlola indawo yePropati
Indawo enye yezona zinto zibaluleke kakhulu ekufuneka ziqwalaselwe xa ziphonononga ipropati yotyalo-mali. Inokukunceda wenze uqikelelo olufanelekileyo malunga nepropati ekwazi ukuyiqonda ngaphezu kweminyaka.
Umzekelo, i-estate guru uRobert Kiyosaki uthetha ngeenzuzo zokuthengwa kwepropati kufuphi nekholejini. Ingqiqo kukuba, kukho rhoqo ukubonelelwa kwabanikazi, abazali bafundi baqhele ukuhlawula irenti kwaye unako ukuhlawula irenti ephezulu ngenxa yokufuna indawo kunye nokunyuka kwemfuno yezindlu.
Oko ummelwane ofana nawo
- Ingaba idolophu okanye idolophu?
- Ngaba kukufutshane neentengiso zokuthengisa, ii-hubs zokuthutha, izibhedlele kunye nezikolo?
- Luhlobo luni lomqeshi oluya kuhlala khona? (iintsapho, abantu abadala, abantu abangatshatanga, isigaba esiphakathi, njl.)
- Ngaba kukho ukubonelelwa kwabanini-mali abahlala kuloo ndawo?
- Ngaba sisondele ekuhlaleni kwakho kwangoku? Ukuba kukude, kuya kufuneka ukuba ube neendleko zokuhamba ngokubhekiselele kwiindleko zemali ukusuka ekuhambeni kunye neendleko zithuba ukusuka kwimveliso elahlekileyo.
- Ingaba isondlo esihlala kuyo, esanda okanye sehla? Ngaba kukho iipropati ezininzi ezingenanto okanye ngaba kukho ukwakhiwa kwamatsha amatsha?
- Ngaba ubona ithuba lokukhula kwikamva? Ngokomzekelo, umzila omtsha womzila womzila oqhagamshelweyo kwisixeko esikhulu sakhiwa, okanye inkampani entsha idlulisela kwindawo kwaye idale imisebenzi emitsha. Ezi zinokunyusa ngokukhawuleza ukufunwa kweendawo.
Hlola i-Property's Financial
Yazi iBhajethi yakho
- Ungayifaka kangakanani kule mali-mali?
- Unokukwazi ukulahlekelwa buninzi?
- Ukuba ufuna iimali ezongezelelweyo, uya kuzifumana phi?
- Yintoni eya kuhlawulwa yenyanga yakho kunye nentlawulo yemali?
Jonga kwixabiso lePropati
- Cela ukuba ubone ingeniso yangempela kunye neendleko zeempahla zepropati. Ukuba akukho nanye ikhona, qiniseka ukuba unako ukuqikelela ngokucacileyo iindleko zokusebenza.
- Bala i- Income Operating Income (NOI) yepropati.
- Iyiphi izinga lezithuba eziqhelekileyo kwingingqi yakho?
- Iyiphi inqununu yokuqeshisa kwipropati?
- Iyintoni indleko yomshuwalense?
- Ingakanani irhafu?
- Iyintoni indleko yokugcina impahla ?
- Ngaba uzimisele ukulinganiswa kwexabiso lakho leMali- mali (i-Cap Rate) ? Ukuba awuqapheli i-Cap Rate yakho, kufuneka uqhagamshelane nomthengisi wendawo yangaphandle.
- Emva kokuba uzimisele iCape Rate, ngoku unokuhlula i-NOI nge-Cap Rate kwaye ufumane ixabiso langoku lepropati.
- Ngaba wenze i-Comparative Market Analysis (CMA)?
- Ziziphi izindlu ezinokufaniswa kwindawo ekuthengiswa kuyo? Ingaba uthengisa impahla yokuqeshisa okanye ukhangele ukufakela indlu, uya kufuna ukuqinisekisa ukuba awuhlawulwanga ngaphezulu kwipropati.
Uphonononge ukuba yiyiphi impazamo efunekayo
Ziziphi izinto ezilungiswayo?
- Ngaba ufuna ipropati efuna nje ingubo yepende kunye nekhaphethi entsha, ngaba ulungile kunye nomlinganiselo ophantsi wokusebenza okanye ukhululekile nge-gut rehab (uphondo olutsha, ugesi, izantsi, izindonga, njl.
Ngaba Unako Ukukwenza Le Mivuzo?
- Iindleko zokulungiswa ziyahluka kakhulu kuxhomekeke ekubeni unako ukwenza loo nto okanye ukuba ufuna ukuqesha umntu ukuba akwenze.
- Uhlahlo lwabiwo lwakho lwezinto zokusebenza kunye nobugcisa luyahlukahluka ngokuxhomekeke ekubeni ngaba ulungise ikhaya elizigidi zeedola okanye ipropati yokuqashisa idoli engama-50 000.
- Olunye ulawulo oluqhelekileyo lwesithupha, ukulungiswa kuya kuhlala kuxabisa ngaphezu kokuba uceba. Ukuba uqeshe ikhontrakta, umsebenzi weeveki ezimbini uhlala kwiiveki ezine. Nokuba uyenzela ukulungiswa ngokwakho, iindleko zingaphuma. Umzekelo, Uceba ukubeka i-drywall entsha kwigumbi i-$ 800. Xa uvula iindonga, ufumana ukuhlaselwa kwamathambo kunye nesidingo nje kuphela sokutshatyalaliswa kodwa ukuyibeka kwakhona iindonga. Iindleko ezingalindelekanga ezifana nalezi ziya kwandisa ngokukhawuleza. Awuyi kulwa kuphela nesabelomali sokwakha esiphezulu, kodwa uza kuhlawula iindleko ezongezelelweyo zemali, ezibizwa ngokuthi "iindleko ezithambileyo," ukuhlawula imali yokuboleka imali, irhafu yepropati, kunye ne-inshurensi kwisakhiwo esingenamntu ngelixa ukulungiswa okongeziweyo kugqityiwe.
Ukuphonononga utyalo-mali ngokuthelekiswa ne-Market Current
Ukuzama ukufakela uMcMansion ngexesha lokunciphisa imali akuyi kuba ngumsebenzi olula. Ngokwemali-mhlaba, ukuthenga isakhiwo esiqingqiweyo sokuqeshisela abaqeshi kungabakho ukubheja okungcono kwimpumelelo. Kufuneka ukhangele into ehambayo kwimakethe yexabiso langoku kwaye ulungelelanise isicwangciso sakho ngokufanelekileyo.
Ukuba uthengeza uMcMansion kwaye unayo imali yokuyibamba iminyaka eyisixhenxe de ungayithengisa ngenzuzo, ke, ewe, inokuthi ibe yintle-mali. Enye into ekujonga ngayo xa kuthengwa ipropati yintengo yayo yokubuyisela. Iimpahla ezinqwenelekayo kakhulu zizinto ezinokuthengwa kwaye zithengiswe kungakhathaliseki ukuba zithengiswa. Zihlala zifunwa. Cinga ngabo njengemfuneko, njengesonka kunye namanzi.
Abantu abayidingi indlu enegumbi lokungena kunye nekamelo lokuhlola i-TV. Abantu bafuna indlu ngezindlu zokuhlambela ezihlambulukileyo kunye nophahla olunamandla. Ufuna ukuba isakhiwo sakho sibhenele kwisixa esikhulu sabantu ukuze ube nenani elikhulu labaqashi nabathengi.