Akungabazeki ukuba ukucwangciswa kakuhle nokufezekiswa kwezicwangciso zokuqhelaniswa kwezindlu zangaphandle kuya kubangela inzuzo kubatyalomali. Iqhinga kukuqinisekisa ukuba iziphatho zakho zilungile, kwaye uphando luvakala.
Olu buchule lokunciphisa ubungozi luya kunceda umnini-zimali wezindlu ukunciphisa amathuba okutshala imali.
01 - Khangela iiNgxelo ezingaphantsi kwe-Market xa uthengwa
Ukuba unako ukufumana indawo yokuqashisa ngepesenti ephezulu yeendleko ezingaphantsi kwamaxabiso emakethi, ukufumana nje iireti ukuya kumaxabiso emarike kuya kubangela umngcipheko omncinci kwintalo-mali yakho ngenxa yokuhamba kwemali engcono .
Ikhono lokwenza i-remodel yezoqoqosho okanye ukuphucula ukwandisa iirejista kwakhona isalathisi esihle sokuthengwa kwepropati yerenti. Ngokuqhelekileyo, abanikazi bezindlu baza kudinwa ngetengiso kwaye baya kuhlala kwiimali ezivumelekileyo, nokuba ngaba zingaphantsi kwexabiso lemarike yangoku.
Ezi zibini ezinye zexabiso kunye nezibalo ze-ROI , kodwa ngendlela efanelekileyo ukuba uyibona. Xa kukho irenti efumanekayo, ii-rents zangempela zihlawula izibalo kwisalathiso esingalunganga.
02 - Khangela iNkxaso-mali eHloniphekileyo eyanciphisa i-Cash Outflow
Ukusebenza isicombululo okanye esinye isisombululo sezimali zokudala esinciphisa isantya somdla siqhinga esihle ukuba loo propati ayikho ngaphezulu kwexabiso. Ukunciphisa iintlawulo zakho ngokunciphisa umyinge wenzalo kuya kukwandisa ukuhamba kwemali nokunciphisa umngcipheko wokungena kwezindlu.
Ukuba unesiqiniseko sokuthi uza kubamba kuphela loo propati iminyaka engama-10 okanye ngaphantsi, jonga kwi-Mortgage Rate Rate, i-ARM yelo xesha. Akuyi kubuyiselwa kwakhona kude kube yindlela yokuthengisa, okanye nanini ukuba uthengisa ngokukhawuleza. Uya kufumana inzala ephantsi kunye nokuhamba kwemali ephezulu.
03 - Yenza Intlawulo Ephezulu
Ngalo lonke uhlobo lokuxhaswa kwe-low-down okanye ukungabikho phantsi kweenzuzo ezinkulu kwi-real estate investment, akunzima ukufikelela kwicala elingalunganga lotyalo-mali.
Ngamanye amaxesha ukunciphisa ukubuyela kwakho kwimali yokutsalwa kwemali isisombululo esingcono. Ithenda ephakamileyo ingahlawulela, ngokukodwa ngexesha lezithuba eziphezulu okanye ukulahlekelwa ngetyala.
Ukuphakanyiswa kwentlawulo yakho kuya kuthatha imali engaphezulu, kodwa kuya kunciphisa imali ehlawulwayo kunye neentlawulo eziphantsi. Xa iintlawulo zihla, ukuhamba kwemali kuya phezulu . Ukuhlaziywa kwakhona kuhlala kukukhetha emva koko.
04 - Khangela ipropati ongayithucula ngayo inzuzo
Ukwandisa ixabiso lepropati ngokuphucula kwandisa ubulungisa kunye neziphumo kwinzuzo enkulu xa kutyalwa i-asethi. Ukuba ixabiso lentengo liyancipha, ixabiso elongeziweyo linokusetyenziswa kwakhona ukuxhasa ezinye iimali-mali okanye ukunciphisa inkonzo yamatyala.
Izigqibo zokuphucula ezifanelekileyo ziyakuchukumisa abaqeshi abangcono kwaye baqikelele iireti eziphezulu. I-ROI kwimali ezityalwe ekuphuculeni ingaba yintle.
05 - Khangela iindawo ezifudumele zeHamva
Ukufumana indawo e malunga nokuba "indawo" inokuba yinzuzo kakhulu. Ukuchonga ummandla osekupheleni kokukhula nokuvuselelwa kukubeka ekupheleni kwexabiso lokuxabisa ngokunjalo.
Uphando olutsha nje lubonisa abathengi basekhaya abadala kunye nabancinci abafuna ukuhlala kufuphi nakumaziko asezidolophini. La maxesha amaninzi asekuhlaleni kunye nokuphucula ikhaya elidala linokuba luncedo.
06 - Isicwangciso esicacileyo sokuthenga ixabiso
Ixesha lophando kunye nomgudu wokufumana ixabiso lexabiso lempahla phantsi kweemarike ngokuqhelekileyo lifanelekile. Ukuqala nge-infusion yokulingana kukubeka okukude kwaye kunciphise umngcipheko ukuba ixabiso lokuthengisa liyehla okanye enye inhlekelele iyenzeka.