Ingabalwa kwakhona kwiminyaka elandelayo ngokubhekiselele kwixabiso elithelekisiwe lepropati ngaphantsi kwe-balance balance mortgage. Kuya kuba utyalo-mali olwangoku olulindelekileyo kwipropati olulungelelaniswe nayiphi na ukwanda kwexabiso kunye nokuhlawula imali.
Kutheni ukulinganisa i-ROE kwiminyaka ezayo?
Ngokungafani nezinye i-ROI, Ukubuyiselwa kwezibalo zotyalo-mali, lo ulinganisa ukubuya kwakho kwinombolo eguqukayo. Imali oyibekayo ekuhlawuleni ingatshintshi, kodwa ngaphezu kweminye iminye into eyenzayo, kwaye iguqula ukubuyela kwakho ngokulingana. Kungenxa yokuba ukulingana kwakho kuguquka. Okokuqala, makhe sijonge iziphi iinzuzo ozonandiphayo kwiindawo zokuqashisa:
- Ukuhlawula imali mboleko: Njengoko uqhubeka nokuhlawulwa kwemali, uhlawula phantsi ibhalansi yemboleko. Ukulingana kwakho kwanda ngenxa yokuba unetyala elingaphantsi kwexabiso.
- Ukuxabisa ngexabiso: Ikhaya lakho lixabisa ngexabiso ngelixesha. Ngoko ke, ngelixa unciphisa into onayo, ukwandisa oko kukufanele. Umahluko phakathi kwezi zibini zikhula; ubulungisa.
- Ukuhamba kwemali : Njalo inyanga uza kuba yibhanki ethile yemali, imali ehlawulwe kwingeniso ephezu kwentlawulo yempahla kunye neendleko.
- Ukulondolozwa kwentlawulo yerhafu: Ukunyuka kwexabiso kuyinzuzo enkulu. Unyaka ngamnye unako ukurhoxiswa kwingeniso yokuqeshisa inxalenye yexabiso lesakhiwo njengoko kuhlaziywa. Awuzange uchithe nantoni na, kodwa ukuxothwa kufana nawe.
Lezo zinzuzo ezimangalisayo ezenza i-real estate ingcono kakhulu kunezinye iimpahla zokutshala imali. Nangona kunjalo, sibona ukuba kukho isibini sazo esitshintsha ukulingana kwethu, ekhula ngokukhawuleza. Makhe sibone umzekelo:
Uthengela ikhaya eliqashisayo i-$ 100,000 nge $ 20,000 phantsi. Unyaka wokuthenga ubona ukuba uxabisa i-$ 100,000, kodwa ufumana imali engama-80,000, njengoko unayo imali engama-20,000 engama-20,000.
Masithi ukuhamba kwemali yakho yonyaka eyiyo eyi-$ 3,600, okanye i-300 ngeenyanga ngaphezu kwemali mboleko kunye neendleko. Ngoko, i-ROE yethu i $ 3,600 / i-20,000, okanye i-0.18 = 18% Buyisela kwi-Equity. Uyi-investment guru!
Ngoku makhe sihambe phambili iminyaka elishumi. Uhlawule phantsi imali yakho yokuthenga imali, kwaye ikhaya lixabiseke kakhulu, ngoku lixabisa i-$ 118,000. Ibhalansi yakho efanelekileyo ngenxa yokubolekwa kwemali eyehlile ukusuka kwiiRandi ezingama-80 000 ukuya kwii-66,000 zamaRandi. Ngoku jonga ukulingana kwakho. $ 118,000 - $ 66,000 = $ 52,000, ukulingana kwakho olutsha kumzekelo wethu olula. Ngoku masenze ukubala kwakhona kwi-ROE. Ufumana enye encinane kwingqesho, ngoko ukuhamba kwemali yakho ngoku i $ 4.400 ngonyaka. I $ 4,400 / i $ 52,000 = 8.5% Buyela kwi-Equity.
Kweneke ntoni? Kulula, njengoko ukulingana kwandisiwe ngokuqinisekileyo akunako ukwandisa ii-rents ngokukhawuleza. Ngaloo nto, ngaba le nto inotyalo-mali? Khangela oko ungakwenza ngoku nge $ 52,000. Kungenzeka kube ixesha lokuthengisa nokubuyisela.