Ixabiso leMali-mali, okanye i-Cap Rate, ithuluzi lokubala elisetyenziselwa ukuxabisa i-real estate, ubuninzi beempahla zentengiso kunye neentlobo ezininzi. I-NOI, iNzuzo eSebenzayo yeNtlawulo yepropati ehlulwe yixabiso langoku kwixabiso lemali okanye intengo yokuthenga.
Emva koko, kufuneka ukwazi ukubala inani lexabiso lemali:
Ukukhonza abakhweli bakho bezentengiso-mali, uya kufuneka ukuba uncede ukuqikelela ukulinganiswa kwempahla yengeniso.
Indlela eqhelekileyo esetyenziswayo, phakathi kwabanye, iyinqanaba le-capital, okanye i-cap rate.
Ukubala Ixabiso lentlawulo yeNgxowa-mali usebenzisa i-Cap Rate kunye neNgeniso yeNtlawulo:
Xa umthengi wakho enepropati engenayo ingeniso, unokubanceda ukuba babone ukuba ixabiso lokubiza lichanekileyo ngokusebenzisa isantya se-cap current for properties and comparable net income. Nantsi indlela yokubala intengo usebenzisa isantya se-cap kunye ne ngeniso .
Ukuqulunqwa kweNgeniso yePropati eQinisekisa iNani lokuThengisa:
Ukuba umthengi wakho uyazi ixabiso lexabiso lepropati kunye nesantya senqanaba elikhoyo leempahla ezifanayo, unako ukubala inani lemali yokuqeshisa elifunekayo ukulungiselela ukulinganisa intengo. Ukuba ufuna ukufumana ingeniso kwipropati kufuneka ivelise ukulinganisa intengo yokubuza, nantsi indlela yokubala .
Yazi izibalo ngezinga lokuhlawula imali ukukhonza ngokufanelekileyo abatyalo-mali bakho.
Utyalo-mali oluthile lunomngcipheko okwaneleyo ngaphandle kokuba abathengi bakho bathathe okungakumbi ngokuthenga izakhiwo ezivelisiweyo ezingeniso.
Ingxenye yexabiso lakho njenge-arhente yendawo yokuhlala okanye umthengisi ukubanceda ekuqaliseni ixabiso lexabiso lepropati.
Ukusebenzisa isantya semali ngenye yezixhobo zokulinganisela ezahlukeneyo, kwaye uya kufunda ukuba ungayisebenzisa njani kwiisalathisi kule fayili yeso sixhobo senqanaba lesantya.
Ziziphi ezinye zezixhobo zokubala ezisetyenziselwa ukulinganiswa kwepropati yokuthengisa kunye nokuhlala?
- I-NO, Imali eSebenzayo yokuSebenza : Njengengcali yezobugcisa ekuthengiseni abathengi, kufuneka ukuba wazi kakuhle zonke iindlela zokulinganisela iimpahla zengeniso. Esinye sezi zinto kubalwa kweNtshukumo yeNtsebenzo yeNtshukumo, njengoko isetyenziswe kwisilinganiselo se-cap ukucacisa inani lepropati.
- Ukuveliswa kweNtsalelo yeNtengiso : Ukuqala kwesicwangciso-mali sokuqashisa isakhiwo esiphumeleleyo kukuqikelelwa ngokuchanekileyo kwemveliso yokuqashisa ipropati. Nantsi sibona indlela yokubala i-Net Rental Yield, ezithatha iindleko zepropati kwi-akhawunti, nangona kungenjalo ukuhlawulwa kwemali.
- Umthengisi weRhafu eninzi : Njenge-arhente yendawo yokuhlala esebenzayo nabatyalo-mali bezindlu, mhlawumbi uya kwenza ukuba kubalwa ukuhlalutya kwexabiso lemarike kwipropati nganye ekugqibeleni kuthengwa. I-GRross Rental Multiplier (GRM) kulula ukubala, kodwa ayikho isisombululo esicacileyo sokufumana ixabiso.
- Ukuhamba kweMali yePropati yoMhlaba : Ukuba ufike kule nqaku ekukhangekeni, inxalenye yeCandelo loPhando lwentengiso yePropati. Qala khona ukuhamba ngokuhlalutya ngokubanzi kwepropati yesakhiwo.
- Ingeniso eninzi yeNgeniso : Sifuna ukwazi ukuba yeyiphi ingeniso eya kuzaliseka ukuba ipropati ihlala ngokugcwele kwaye zonke iiferenti ziqokelelwa. Sithatha inani leeyunithi ngeenkokhelo zonyaka ngonyaka.
- Imali eSebenzayo yokuSebenza, i-GOI : Emva kokuba sazi i-Income Income Income yepropati yokutsalwa kwezindlu, sifika kwi-Income Operating Income ngokukhupha ilahleko eziqikelelweyo zonyaka ngenxa yokungahlawulwanga okanye izithuba.
- Ukunyuka kwexabiso lomhlaba wokuqeshisa: Kwinqaku lethu kwiRhafu yePropati yeNtlawulo yePropati, sisebenzisa umzekelo we-fourplex njengotyalo-mali lwethu. Unokufumana iinkcukacha zokuthenga apha, ke ke, khumbula ukuba bekuthengwa kwe-$ 325,000 ye-fourplex yokuqeshisa kuzo zonke iiyunithi ezine ixesha elipheleleyo.
- Ukulinganiswa kwe-Breakeven yePropati yeRhafu : Ababolekisi basebenzise ikhefu-nokuba libala njengenye yezindlela zabo zokuhlalutya xa becinga ukubonelela ngemali yepropati yendawo yotyalo-mali. Ukuphakama kakhulu kwekhefu-kwanokuba isiqingatha sisilathisi sokulumkisa.
Ubuhle botyalo-mali bezoqoqosho kukuba zikho izixhobo ezinokuthenjwa zokuhlalutya utyalo-mali.
Ukuba bahlangana ukuze bakuxelele ukuba ukhangele ithuba, unokufuna ukuthatha inzuzo ngaphambi kokuba ihambe.