Ukukhanselwa koqeshiso
Ukuqeshiswa kwepropati ezininzi kunceda umnini-sakhiwo ukuba akhansele ukuqeshisa ukuba isakhiwo siphelele okanye singabi nantoni na indawo ngenxa yokulahlekelwa ngumzimba.
Umnini-mhlaba unokuba nelungelo lokuphelisa ukuqeshiswa nokuba ngaba isabelo sakhiwo esithathwe ngumqeshi singakonakali. Ukuba isakhiwo sitshatyalaliswe ngokupheleleyo, umnini-mhlaba unakho ukhetho, kodwa kungekhona umbopheleleko, wokwakha kabusha isakhiwo. Umnini-mhlaba akanakho ukunyanzeliswa ukulungisa okanye ukubuyisela isakhiwo esonakaliswe kakhulu ngaphandle kokuba ade athole inkokhelo ye-inshurensi.
Njengoko umzekelo olandelayo ubonisa, ukukhanselwa kweqeshiso kunokuchaphazela kakhulu ishishini elincinci elihlawula ngaphantsi kwezinga lokuya kwerenti. Kwakhona kubonisa ukubaluleka kokufumana inzala yomdla.
Umzekelo
U-Floyd ungumnikazi wezityalo ezigqibeleleyo, ibhizinisi elithengisa i-tappe kunye nezinye izigubungela zomgangatho ngaphandle kwendawo yokugcina impahla. Inkampani iqeshisa isiqingatha se-20,000-square-store yokugcina indawo esuka kwiiPerless Properties. Okwangoku ihlawula i-$ .50 umlinganiselo wesikwere ngeenyawo ezili-10 000 zeenyawo okanye i-$ 5,000 ngenyanga. Ixabiso lokuqashisa lendawo yokugcina i-$ .75 umlinganiselo wesikwere okanye i-$ 7,500 ngenyanga.
Ixabiso lokuqeshiswa lithetha ukurenta umninimzi angaqokelela kwiimarike.
U-Floyd waxoxisana nokuqeshisa iminyaka emibini edlulileyo, xa amaxabiso okuqashisa kwindawo yakhe ayicinezelekile. Iirejista ziye zahlaselwa, kodwa ukuqeshiswa kuka-Floyd akuyi kuphelelwa iminyaka emithathu. Ukuba i-Floyd yayiza kuphelelwa yikhredithi yakhe, iqumrhu layo laliza kuqeshisa enye indawo kwiimarike zentengiso.
Ngaphantsi kweqeshiso elitsha, iqumrhu liya kuhlawula i-$ 2,500 eyongezelelweyo ngenyanga, okanye i-$ 30,000 ngonyaka, ngenjongo yokuqeshisa. Ukuba iqumrhu lilahlekile ukuqeshiswa kwalo namhlanje, kuya kuba neendleko ezongezelelweyo zee-90,000 zamawaka kwiiminyaka emithathu ezayo.
U-Floyd ungeze inani lokuphucula kunye nokuphuculwa kwendawo yokugcina ukususela ekuqeshweni kwakhe kuqeshiso. Ezi zibandakanya ukukhanya okutsha, amashalofu adibeneyo, kunye nokuphucula kwi-dock yokulayisha. Uphuculo luseyinxalenye yesakhiwo. I-Floyd ayinabo, kodwa uya kuba nomdla kubo intsalela yokuqeshisa.
Ngobusuku obunye ubusuku, i-wiring ephosakeleyo iyabangela umlilo owonakalisa kakhulu isakhiwo. Ngaphandle komsi omncinci kumatshini ophantsi komhlaba, inxalenye yendawo yokugcina impahla eyenziwa nguMcabango onobuGcisa awunakuchaphazeleka ngumlilo. Nangona kunjalo, iiproper Properties zikhansela ukuqeshiswa kwe-Floyd. Umgubo oMatshatsheli uhlawulelwe umonakalo kwizinto eziphantsi komhlaba phantsi komgaqo-nkqubo wepropati . Nangona kunjalo, i-Fantastic Flooring ayinayo inqaku lokulahleka koqoqosho oluya kubandezeleka ngenxa yokulahlekelwa kweqeshiso. Inkampani ayinayo inkcazo yokulahleka kokusetyenziswa kweziphuculo ezenzileyo kwisakhiwo. Ezi zinto azizange zonakaliswe, ngoko ukulahleka kokusetyenziswa akufakwe phantsi kwe- inshurensi yepropati yenkampani.
U-Floyd wayenokukhusela ishishini lakhe ngokulahlekelwa kwezimali ezibangelwa ukususwa kweqeshiso ngokuthenga i-interest interest leasehold. Le ngxelo ingafakwa kwipolisi yepropati yoshishino ngefom ehlukile.
Intshurensi yeNzala
Intshurensi yentshisekelo ye-Leas ihlanganisa ukulahlekelwa kwemali oyenzayo ngenxa yokucinywa kweqeshiso lakho. Ukuze ilahleko kufuneka ikhutshwe, kufuneka ukuba ilahlekelwe ngumzimba (okanye umonakalo) kwipropati echazwe kwiimpapasho. Ukongezelela, umonakalo kufuneka umphumo we-risk insured phantsi komgaqo-nkqubo wakho .
Inzuzo yokufumana inzala ingabandakanya nayiphi na le ndelayo, ukuba umda we-inshurensi uboniswa kwishedyuli yokubhengezwa:
- Ukuqeshiswa koqeshiso lwabaqeshi Lo mdahluko phakathi kwerenti yenyanga ehlawulayo kunye nexabiso lokuqashisa kwipropati (izinga lokuqashiswa kweentengiso). Kulo mzekelo wangaphambili, Inzala yeZindlu zeMali eziPhezulu zeZindlu eziMangalisayo ziyi-$ 2,500 (i-$ 7,500 engama-5,000 $).
- Iintlawulo zeBhonasi Le nxalenye engabonakaliyo yebhonasi yekheshi oyihlawulele ukufumana indawo yokuqeshisa kwaye ayiyi kubuyiselwa kuwe. Umzekelo, wakhokhela umninikhaya wakho ibhonasi ye-$ 5,000 ukukhusela ukuqeshisa iminyaka emithathu kunokuqeshisa iminyaka emi-5.
- Ukuphuculwa kunye neZilungiso Ibhizinisi lakho liye lenza uphuculo kwipropati yakho yokuqeshisa ongeke uyisuse ngokusemthethweni. I-Interesting Rental Employment Incorporated Income interest includes the portion of the payment you made for improvements. Akubandakanyi ukubaluleka kophuculo olugqityiweyo phantsi kwe-inshurensi.
- Ixabiso leNgxowa -mali eyayihlawulwayo Le ngxenye engabonakaliyo yerenti oye uyihlawula kwangaphambili ukuba ayiyi kubuyiselwa kuwe. Ngokomzekelo, uhlawule irente yeenyanga ngaphambi kokuba uqeshe ipropati yakho.
Inzala yomhlaba
Ngaphantsi kwe-interest interest rates, umda we-inshorensi ubonakaliswe ngokwemali yokuqeshiswa kwenetha . Ukuba iqeshiso lakho likhanselwa, ininzi yakho yomshuwalense iya kuhlawula ilahleko ngumdla wakho wokuhlawula umnatha ngexesha lolahleko lwenzeka. Inzala yomnxeba wenkunzi iquka iinkalo ezimbini.
Inzuzo yokuqeshiswa kwabaqeshi (TLI) Oku kubonisa inzuzo oyifumanayo kwiqeshiso elifanelekileyo kwiinyanga zayo ezisele. I-TLI yakho yinani elikhoyo langoku lomdla wakho ophezulu . Kubalwa ngokuphindaphinda inzala yakho yokuqeshisa ngokubanzi ngenjongo yokubambisa inxaxheba echaphazelekayo. Inzala yakho yokuqeshisa ngokubanzi ngumlinganiselo phakathi kwexabiso lokuqashisa kwendawo yakho kunye nerenti oyihlawulayo ngenyanga. Ngokomzekelo, cinga ukuba isantya semarike yerenti i-$ 5,000 ngenyanga kwaye inkampani yakho okwangoku ihlawula i-$ 3,500. Inzala yakho ephezulu yemali i-$ 1,500 (i-$ 5,000 engama-3 500 $).
Umdla wenzalo uvela kwitafile ehambelana nomgaqo-nkqubo wakho . Izinto ziyahlukahluka ngokuxhomekeka kwinqanaba lentlawulo ephezulu kunye neenyanga eziseleyo kwiqeshiso. Ngokomzekelo, cinga ukuba uneenyanga ezingama-36 eziseleyo kwindawo yokuqeshisa. Ukuba inqanaba lesenzalo elinamandla li-5 ekhulwini, inzala ye-leasehold yi-33,4213. Inzala yakho yokuqeshisa umnatha i $ 1,500 X 33.4213 okanye 50,132.
Inzala yenyanga ye-Leasehold (MLI) Inzala yenyanga ye-leasehold ibonisa izindleko zakho zenyanga kwiintlawulo zebhonasi, ukuphucula kunye nokuphuculwa kwerente. Ezi zinto aziyi kusebenza ukuba awuzange uhlawule ibhonasi, wenze uphuculo okanye uhlawule irente. Ukuba unqwenela ukuqinisekisa le ndleko, inzala yenyanga nganye yenzalo kufuneka ibalwe ngokwahlukileyo. Kwimpahla nganye, iindleko zakho zokuqala zahlula ngenani leenyanga eziseleyo ekuqeshweni kwakho xa wenza inkcitho. Ngokomzekelo, cinga ukuba iinyanga ezilisithandathu kwiqeshiso lakho leenyanga ezingama-36, uchithe i-$ 25,000 ukuphucula. I-MLI yakho i-$ 25,000 / 30 okanye i-833.
Inzala yokuThengisa
Umda oboniswe kwipolisi yakho yokufumana inzala yenzalo yemali ngumlinganiselo wabanikazi bakho bemali yokuqeshisa kunye nomyinge wakho wenyanga yokuqeshisa ngomhla wokuqalisa komgaqo-nkqubo wakho. Umzekelo, ukuba i-TLI yakho i-$ 1,500 kwaye i-MLI yakho yi-$ 833, inzala yakho yokuqeshisa umnatha ekuqalweni yi-$ 2,333. Le yona nto ininzi umshwalense uya kuhlawula phantsi kwekharityhulam yokufumana inzala xa uqeshiso lwakho lukhanselwa ngomhla wokuqalisa komgaqo-nkqubo wakho.
Inzala yakho yokuqeshisa umnatha iyancipha inyanga nganye kwixesha lomgaqo-nkqubo wakho. Ukuba ukuqeshiswa kwakho kuqhotyoshelwe, ininzi yakho yomshuwalense iya kuhlawula phantsi kwenkxaso-mboleko yemali ye- leas umnqweno wakho wokuqeshisa umnatha ngexesha lolahleko lwenzeka . Umshuwalense wakho uya kubala inzala yakho yokuqeshisa umnatha ngokufaka oku kulandelayo:
- Inzala yakho yokuqeshisa ngokubanzi ephindwe yintlawulo yeenqununu zeenyanga zokuhlala ngexesha lokulahlekelwa
- Inzala yakho yenyanga ye-leasehold eyandiswe yinyanga ezayo yeqeshiso lakho ngexesha lokulahlekelwa