9 Imibuzo Yokuzibuza Ngaphambi Kokuqasha Inye
1. Ngaba ipropati yakho yokuqeshisa kufuphi nekhaya lakho?
Ngaphezulu kweekhilomitha phakathi kwakho kunye nepropati yakho yotyalo-mali , kunzima ukulawula. Ukuba ukuhlala kwakho okuphambili ku-Illinois kunye nepropati yakho yokuqashisa eFlorida, kuya kuba nzima ukuba ufumane abaqeshi , ukujongana nezikhalazo eziqeshisayo , ukuphendula ngokukhawuleza kwiimeko ezikhuselekileyo, ukunyamekela imiba yokugcina , kunye nokuqinisekisa ukuba irente qo kelelwa ngexesha.
Ixesha elikuthathayo ukuba ufike kwipropati kunye neendleko zokufika apho ziya kudibanisa. Kwiimeko ezinjengalezi, ukuqesha umphathi wepropati onokumgangatho onokuyenza ingqiqo kwaye uyakusindisa imali.
2. Zingaphi Unity Unayo?
Njengoko inani leeyunithi ozikhulayo liyakwandisa, kunjalo noxanduva lwakho. Abaqeshi abaninzi abanayo, imiba yesondlo , izikhalazo kunye nezikhundla oza kuhlangabezana nazo. Ukongeza, ukuba iiyunithi zakho zisasazeka kwiipropati ezininzi, uza kuchitha ixesha elide ukulawula ukuhamba kwemali nganye kwipropati nganye, kunye nokuhamba ngokusemzimbeni kwipropati ukujongana nemiba.
3. Unamava amaninzi onayo ukulawula iiPropati?
Ukuba ufuna ukutyalo-mali kwi-real estate, kodwa ungayazi into yokuqala malunga nokuphathwa kwepropati, ukuqesha umphathi wepropati onamava unokukhetha okulungileyo. Ukufunda njengoko uya khona kungabiza kakhulu.
Kutyalo- mali-mali oqala ukuqala, ukuqesha umntu ongenakulungiswa okanye ukuthatha ixesha elide ukuba agcwalise isithuba, unokutya ngokukhawuleza kwi-engenayo yakho engenayo.
Iingcamango ezifana nokutshutshiswa ngocalulo ngenxa yokuba awuyiqondi iMithetho yeZindlu zoBulungisa , okanye ukuba yinkosi yokungafuni ukufudumala kwixesha, kunokukhokelela ekutshatyalalisweni kwakho kotyalomali.
Kwakhona kubalulekile ukuqaphela ukuba ukuqesha umphathi wepropati engalunganga kunokutshabalalisa imali yakho.
Yingakho kubaluleke kakhulu ukwenza uphando lwakho kwaye ucwangcise ngokucacileyo umphathi wepropati ukuba unqumle ukuqeshisa okulungileyo.
4. Ngaba unganelungelo lokuHlala uMphathi wePropati?
Ngaphambi kokuba uqeshe umphathi wepropati, kufuneka uhlole iimali zakho . Abaphathi bepropati abakhululekile. Abaphathi baya kuhlawula intlawulo, ngokulinganayo, phakathi kwe-4% kunye ne-10% yemali engenayo yenyanga nganye kwipropati. Umrhumo oqhelekileyo wepropati yokuqeshisa enye yentsapho iphantse kwi-10%. Intlawulo yepropati yeeyunithi ezili-10 okanye ngaphezulu iphakathi kwe-4% ne-7%.
Ngokomzekelo, ikhaya elilodwa lentsapho elinemali engenayo eyi-$ 1,000 ngenyanga lingaba nemali yolawulo ye-10%, okanye i-$ 100, ngelixa umrhumo we-5% uza kuba yi-$ 50 kuphela. Kule meko, ukuhlawula umphathi wepropati i-$ 50 ngenyanga malunga nokulawula ipropati ayiyi kuba yinto enokwaneleyo yokukhuthaza umdla ophezulu. Nangona kunjalo, kwiipropati ezinkulu, ukufumana ingeniso yeenyanga ezingama-20,000, imali engama-5% yolawulo iya kuba yi-$ 1,000 kwaye kufuneka ibe ngokwaneleyo ukukhangela ubugcisa obusiweyo.
Abanye abaphathi bepropati baya kuhlawula iifizi zokubekwa kwabaqeshi, ibhonasi yokufumana umqeshi. Ezi ntlawulo zizahluka ukusuka kuma-dollar ambalwa ukuya kwi-renti enye yenyanga.
5. Unayo Ixesha Lokulawula Iipropati Zakho?
Ukuba unomsebenzi wexesha elipheleleyo ngelixa utyalo-mali kwipropati kwaye awukwazi ukunika ingqalelo ipropati yakho, impumelelo yotyalo-mali lwakho inokuxhomekeke ekuqesheni umphathi wepropati.
Kwakhona, qaphela ukuba ixesha liyimali kwaye ukulawula ipropati kuthatha ixesha. Ukuba uvakalelwa kukuba izibophelelo zemihla ngemihla zokuphatha ipropathi zithatha ixesha elingasetyenziselwa ukwenza imali engaphezulu kwenye imisebenzi yakho, okanye ukukhangela ezinye iimali-mali, ukuqesha umphathi ongaphandle kunokukuhamba kakuhle.
6. Ngaba Unomnqweno Wokunikezela Ukulawula?
Abaphathi bepropati banokulawula yonke into ekuqokeleleni irente kunye nokufaka intela kwipropati. Ngaba uzimisele ukunika omnye umntu ulawulo oluninzi? Ngelixa banokuba namava kunye nephepha elithi baqinisekisiwe, ngaba banomdla ofanayo notyalo-mali?
7. Ngaba Unqwenela ukuthatha uxanduva loMphathi wePropati?
Njengoko abaphathi bepropati banakho ukwenza izigqibo egameni lakho, banokwenza iimpazamo egameni lakho, kwaye iimpazamo zingakubiza kakhulu.
Izivumelwano zokulawulwa kwePropati zidla into ebizwa ngokuthi "yibambe ingozi" inqaku elibhekiselele ekukhuseleni umphathi, ngaphandle kweziganeko zokunyaniseka, ngokubeka umthwalo kumnini propati.
Ngokomzekelo, umphathi wepropati uphula imithetho yeZindlu zoBulungisa xa ekhangela abaqeshi kwaye unesikhalazo esifakwe kubo. Njengomnini wepropati, nangona ungazange wenze ulwaphulo-mthetho, uqeshe umntu owenze, ngoko unokuba noxanduva.
8. Ngaba Unayo iNqanaba leZithuba eziPhakamileyo okanye iingxaki ngeCash Flow yakho?
Abaphathi bepropati elungileyo banamakhono ekufumaneni kunye nokuphonononga abaqeshi ngokukhawuleza kwaye baya kuba nenethwekhi yezinto ezinokwethenjelwa, zokulungiswa kwemali ezijongene neendleko zokusingatha iimeko eziphuthumayo. Uninzi lwabaphathi bepropati bayaziqonda nomthetho-umnini-mhlaba, ngoko ukunciphisa umngcipheko wesigwebo.
9. Yintoni ukunyamezela kwakho ukujongana nabaqashi?
Ingaba uxinzelelo lokujongana nokukhutshwa , izikhalazo kunye nemiba yokulondoloza inzuzo kuwe? Abaphathi bepropati banamakhono okuphatha ingxabano yomnini-ndawo. Bayiqonda ngomthetho-umnini-mhlaba kwaye banokusebenza njengendoda-phakathi, okanye i-buffer, kwiingxaki. Ukongeza, ukuba umqeshi uyazi ukuba bajongene nomntu wesithathu, banokwenza umsebenzi ophezulu ngakumbi.
Akunakufuneka uqeshe umphathi wepropati nje ngokuba untsha kumali-mali-mali, unamaqela amaninzi okanye unenkathazo yokuzalisa izithuba. Amava okwenu ngokuqhelekileyo ungumfundisi ongcono kwaye wonke umntu kufuneka aqale ukufunda kwindawo ethile. Ukuba uzifundisa malunga nokutyalomali kwepropathi , cela icebo labanye kwaye unomnqweno onamandla wokulawula ipropati yakho, amathuba, uya kuphumelela.