Le ngcaphuno imashumi emashumi ubudala kodwa isenamhlanje namhlanje. Nangona konke kukukrakra namhlanje kwiTV, le nqaku ayikho malunga neendawo zokuhlala ezithengiswayo okanye izindlu zokuqhawula .
Enyanisweni, kukho imali yokwenza kuloo mi sebenzi, ngamanye amaxesha imali eninzi, kodwa inzuzo yesikhashana. Ukuba uyayifumana kwakhona kwixesha elide lokuqashisa i-estate estate, ke ukunyathela kungabakho sixhobo esikhulu.
Eli nqaku lithetha ngokukwakha nokwandisa iphothifoliyo ye-real estate ngexesha eliya kuxhasa imali yokuhlala umhlalaphantsi ngokuhamba kwemali. Ngeendawo ezininzi zokuqeshisa eziza kwenza ukuba uhlawule umhlala-phantsi kwisigqibo kwaye ungakhathazeki malunga nezinto ezininzi zezoqoqosho ezisongela uninzi lwabatyalo-mali kwiimpahla kunye nezibophelelo.
Akukaze kukhawuleze ukuqala. Ukuba usemncinci, ungakha inkokhelo yokuthenga intlawulo yakho yokuqala yokuqeshisa kwaye uqale ukukhulisa iphothifoliyo yakho yendawo yokuhlala kuze kube yilapho uthatha umhlalaphantsi. Ukuba uneminyaka emihlanu ukuya kwe-10 ngaphambi kokuba umhlala phantsi, unokuguqula ixabiso kwiimali ezithengileyo ezithengayo kwiindawo zokuqashisa ezithengiswayo kunye nokwandisa umvuzo wakho wenyanga.
Ukuba sele usuhlala kwiminyaka yobudala okanye umhlalaphantsi, ungenza into efanayo.
Yintoni eyenza Utyalo-mali oluPhezulu lweMali yokuHlaliswa kwePropati?
Ngaphambi kokuba ubanjwe ekucingeni ukuba nganye yezi zinto kufuneka zifezeke phambi kokuba uthenge impahla erentiweyo, yazi ukuba akunqabile ukuba kube njalo. Injongo yakho kukuzama ukukwandisa enye yezona zinto zingcono, kwaye ngamanye amaxesha enye ingabaluleke ngakumbi kunabanye.
Nazi izinto ozijongayo kwiindawo zokutsalwa kwezindlu zokuqeshisa ezinkulu, intsapho engatshatanga okanye ikhondomu:
- Indawo: Ewe, unokuthetha oko kathathu, njengendawo yokuthengisa impahla yonke indawo. Ngeke ufune ukurenta ikhaya phakathi kwendawo yokupaka ivenkile, kodwa enye ibhanti eluhlaza okanye ipaki yabantwana bakho inokulungele.
- Ukuqeshisa: Indawo iyingxenye yale nto. Nangona kunjalo, ukuba ikhaya lihlala kwindawo ephezulu, kodwa ukhuphiswano luyanzima, kungenokuba lube ngumtyalo-mali ophambili. Xa kukho iindleko ezininzi ezifumanekayo kunye nabanikazi banika izikhuthazo, kusenokuba yixesha elifanelekileyo. Xa kukho ezimbalwa zezorhafu ezifumanekayo, kungekhona nje kuphela ukuba unako ukugcina indawo ephathekayo engcono, unokufuna iireti eziphezulu ngexesha elinye.
- Iindleko: Oku kuhambelana, njengoko iirhafu zepropati ziyindleko enkulu, kodwa ezinye iindawo zilawule iindleko eziphezulu ngenxa yezinto ezinokwenziwa kwendawo, ngoko ke iintlawulo ziphezulu. Ukuba unako ukuhlawula iindleko ngokuhamba kwemali yenyanga ngokushiya, koko kukuhle.
- Ukuxabisa: Nangona ukuhamba kwemali kukuqwalasela okubalulekileyo, ukuxabisa ngokubaluleka kwexesha kubalulekile. Kukho iindlela ezimbini ozokwenza ukulingana kwipropati yokuqashisa, ukuxabisa ngexabiso kunye nokuhlawula imali. Ukutsalwa kweentlobo zentlupheko ezichanekileyo kungasetyenziselwa ukukhulisa iphothifoliyo yakho usebenzisa ukulingana kwiipropati ezikuzo.
Ezi zizinto zakho eziphambili, ngokuqinisekileyo, uya kujonga kwixesha lepropati, ukulungiswa okulindelwe malunga nexesha kunye naluphi na uphuhliso oluyimfuneko ngokunjalo.
Indawo yokuHlalwa kwePropati kunye neNkqubo yokuThengwa
Ulungele ukuqalisa kwaye uthenge impahla yakho yokuqala yokuqashisa. Unokuhlawula intlawulo yexabiso lakho elifunayo, kwaye ufuna ukwenza isinqumo sokuthenga ngokuchanekileyo.
- Yazi indawo yakho yemarike: Thatha ixesha lokwenza uhlalutyo olupheleleyo lwendawo yakho yemarike. Unokuba nommandla othile okanye indawo engqondweni, kodwa ufuna ukuwandisa uphando lwakho ukuze ube nolwazi olufunekayo ekuthelekiseni iimpahla ezinokwenzeka. Funda iipropati ezithengisayo kakuhle kwixabiso lexabiso lakho. Yenza uphando olwenziwe kwi-courtroom kwiindawo apho amakhaya athengisa ngemali. Abatyalomali ngabathengi beemali eziqhelekileyo, ngoko uya kuba uyazi ezinye iinkalo abatyali-mali, abanye abanamava, abathengayo.
- Funda ukuxabisa iipropati: Funda indlela abenzi be-real estate abenza ngayo i- CMA, Uhlalutyo lweeNtengiso ngokuthelekisana . Into yokuqala eyabanini-mali abaphumeleleyo baya kukuxelela ukuba uthenge ngaphantsi kwexabiso lemarike. Oku kukhangela kwinzuzo kwitafile yokuvala. Kwakhona kwenza kube lula ukuvelisa ukuhamba kwemali eyanamkelekileyo xa ukuhlawulwa kwemali ephantsi kwemali ephantsi.
- Hlaziya iindawo zokuqeshisa kunye nokhuphiswano: Gca kwiimidiya zendawo apho izithuba zokuvakasha zipapashwa, zombini ukuprinta kunye ne-inthanethi kwi-Craigslist. Xa uphando malunga nommandla, fumana ixabiso eliqhelekileyo lokuqeshisela uhlobo lweepropati ozicingayo ukuthenga. Zingaphi zikhoyo, abanini banikela ngemali yokukhuthaza njengenyanga? Yazi into onokuyilindela kwirente.
- Ukuhlawula iindleko: Iindleko apha ziqhelekileyo njengezilungiso eziqhelekileyo (uhlahlo lwabiwo-mali), irhafu yendawo yokuhlala, i-inshurensi, njl. Leyo iya kusebenza kuyo yonke indawo kwindawo. Impazamo apha imbi nje ngokungena kwirejista engezantsi-ntengiso yonyaka; ukulahla inzuzo. Imeko yeepropati oziqwalaselayo yinto ekhethekileyo, nangona uya kufuna uhlahlo lwabiwo-mali ukulungiswa okucacileyo uya kuza kuza kwipropati emdala.
- Fumana iindawo zokuthengisa kunye nokuxoxisana nomsebenzi: Icandelo elilandelayo liza kuthetha malunga nokufumana iipropati eziphambili zezindlu zokuqeshisa, kodwa inxalenye yale nkqubo ebalulekileyo kwinzuzo yesikhathi eside. Ukuba uhlawula ivenkile, ngenxa yobomi benkxaso yobunini, ulahlekelwa inzuzo.
Lezo ziqendu zendawo yoqhagamshelwano, kodwa nantsi imithombo ethile yeendawo ezifanelekileyo.
I-Real Real Estate Portfolio Iziphumo zokuthenga
Sonke siyazi malunga nokuqhawulwa kwezinto kunye neziganeko ezinkulu ezinokuthi zenziwe ngamanye amaxesha. Nangona kunjalo, i-dayday of foreclosures enkulu kunye nabanikazi kwindawo iphelile ngenxa yokuphazamiseka kwangoko. Uninzi lwezibhengezo oza kuzifumana namhlanje ziya kuba ziimeko ezimbi, ezinye zingenamntu unyaka okanye ngaphezulu. Oku akuthethi ukuba akufanele ulandele ukulandelelaniswa rhoqo kwiziko ezifana ne-RealtyTrac.com. Ziyakwenzeka kwaye unokubamba into enhle kwiimeko ezihlawulekayo ngoku kunye.
- Abanini bexinzelelo: Njalo qaphele imidiya kunye nemithombo ye-intanethi yabanini abaxinzelelekileyo. Laba ngabantu abanezizathu zezezimali kufuneka bathengise amakhaya abo ngokukhawuleza kwaye kwimeko enokubangela ukuba uthenge ngaphantsi kwexabiso lemarike langoku. Mhlawumbi banayo iindleko zonyango, baye baqeshwa emsebenzini, okanye kufuneka bathathe umsebenzi ngokukhawuleza. Ukukhangela amagama angundoqo amagama kwi-Craigslist kwiintengiso zabanikazi abanegama elithi "kufuneka athengise", "ukuthatha zonke izibonelelo," njl njl.
Ukuhamba phambili kwangaphambili: Ukuhamba kwangaphambili kunethuba lokuba abatyali-mali bafumane iipropati phambi kokungena kwempahla ukuba bangazithengisa kwisaphulelo ukuya kwixabiso elipheleleyo lemarike. I-Realtytrac.com kunye nezinye iziza zinamacandelo kuphela kwezi zihlomelo.
Sebenzisana nabanikazi bezilwanyana ezilungileyo kunye nokulungisa-flip abatyali-mali: Abanikazi bezindlu abahlala kwiindawo ezilungileyo abakwenzayo bangaba ngumthombo omkhulu kumakhaya aqeshisayo. Ukuba bayayiqonda indima yabo ekuthengiseni abatyali-mali bezindlu eziqashisayo, bayazi ukuba ufuna ukuthenga ngaphantsi kwexabiso lemarike langoku kwaye ukuba iipropati mazibe zikulungele ukuqesha. Hlaziya kwaye flip abatyali-mali bathengise kakhulu kubathengi bepropati eziqashisayo, ngoko bayazi into oyifunayo kwaye ngokuqinisekileyo banikezela ipropati ekulungele ukuqeshisa.
I-Lather, Rinse, Phinda uphinde u-Roll Up
Emva kokuba ufumene i-niche yakho kwaye uhlaziye izakhono zakho, qhubeka uqhuba into efanayo ngokuphindaphindiweyo, ukongeza kwipotfoliyo yakho yokuqashisa. Njengoko uhlawula phantsi i-mortgages, unokufuna ukulinganisela kunye nokulingana, kodwa yenza njalo ngokucophelela kwaye ungenzi overextend. Abanini-zimali abaninzi baye ngaphantsi kwe-2007 ukuqhuma ngenxa yokuba babephelile kakhulu kwaye babengenakukwazi ukugcina ii-rents ukuze bahlawule iintlawulo zemboleko.
Khangela kwi- 1031 yokuTshintshiselwa kweRhafu ekuThengiselweyo ukuthengisa iimpahla ezinokuxhamla ukuxhasa imali enkulu okanye ngaphezulu ukukhulisa iphothifoliyo yakho ye-real estate.