Ukuba ucinga ngokutyalwa kwemali kwipropati yokuqeshisa impahla , kukho uphando oluninzi lokwenza. Kufuneka uqiniseke ukuba ufanelekile ukuba ngumnini-mnini, kwaye unayo ixesha lokulawula izakhiwo. Nangona kunjalo, zonke izinto ezikude ngoku, oko sifuna ukukwenza apha kukuhlola indlela ipropati eyenza ngayo ukuhamba kwemali kwimisebenzi yokuqeshisa .
Ngokomzekelo wethu, siya kusebenzisa i-fourplex, kunye neeyunithi ezine ezijoliswe ekuqeshweni kwexesha elipheleleyo. Oku kubalwa ukulula kwemali yokubala ukubonisa ukubanakho kwendawo yokuhlala njengotyalo-mali. Okubalulekileyo kule nto, njengentalo-mali eninzi, ukuthengwa ngokucokisekileyo kunye nokuphandwa ngokubhekiselele ekupheleni. Siza kucinga ngomzekelo wethu ukuba lo mthengi wenza uphando lwabo kwaye wenza ukuthenga okuhle kwi-fourplex yethu. Nazi iinkcukacha zokuthenga nokuqeshisa:
- Intengo yokuthenga ye-fourplex yi-$ 325,000.
- Umthengi ubeka ipesenti ezingama-20 phantsi, okanye i-$ 65,000, ukuxhasa imali engama-260,000.
- Imali-mboleko yeminyaka engama-30 i-6.5 yeepesenti, kunye neNqununu / Intlawulo yemali eyi-$ 1,643 ngenyanga.
- Imirhumo kunye ne-inshurensi xa kuthengwa i-$ 3,600 / ngonyaka, ukuhlawula i-$ 1,943 ngenyanga.
Umthengi wenza uphando lwakhe kwaye ubona imfuneko yokuqeshisa ngokuthe ngqununu yale miyunithi, yonke into ehlala ihlala ixesha elininzi. Nangona kunjalo, ukuba yingqiqo ekubaleni kwabo, isithuba sezithuba ze-6 kunye ne-non-payment risk will be calculated to expect the flow flow .
Iiyunithi zonke ziyafana kwaye ziqashisela i-$ 900 ngenyanga nganye. Makhe sibone indlela ukubala kwethu kuhla ngayo:
- Imali yokuqashisa eninzi i-$ 900 X 4 X 12, okanye i-$ 43,200 ngonyaka.
- Iintlawulo zi $ 1,943 X 12 = $ 23,316 ngonyaka.
- Iindleko zokulungisa umnikazi zangaphambili zinezigidi ezili-1,700 zamawaka ngonyaka.
- Ikhefu kunye nokulahlekelwa ngetyala kuqikelelwa kwiipesenti ezi-6 zeendleko okanye i-$ 2,592 ngonyaka.
- Umnikazi uchitha i-$ 400 ngamnye ngonyaka kwiindleko ezixutywayo kunye nezentengiso, kwaye ulawula ipropati ngokwabo.
Lezo zizinto ezisisiseko zokusebenza eziya kubhaliswa kwemali yethu. Masithathe ukubala kwethu kwinzuzo:
- Ingeniso yengeniso - Ukulahlekelwa kwezithuba - Iintlawulo - Iindleko = Ukuhamba kwemali
- I $ 43,200 - i-2,592 i-$ 23,316-i-$ 2,100 = $ 15,192 / 12 = i-1,266 yezigidi ngenyanga nge-cash flow flow.
Ukuhlalutya ukubuya kwakho "njengemali emali etyalomali", uya kulwahlula imali eyimali eyi-65,000 yee- mali ukuya ekuphumeni kwemali yonyaka, okanye i-$ 15,192. Esi sivuno sama-23 ekhulwini ngemali yakho imali! Kukho utyalo-mali ombalwa ngaphandle apho uvelisa olu hlobo lokubuyela.
Ukuhamba kwemali ngumsebenzi wezinto ezininzi zokufakelwa, kwaye nayiphi na okanye ezininzi zazo zingatshintsha kwaye zonakalise okanye zenze ngcono ukuhamba kwemali. Ezinye zithengiswa kunye noqoqosho. Ukuba umqeshi omkhulu wendawo uvale okanye uhamba, imfuno yendawo yokuqeshisa inokugqithisa ubusuku bonke. Le nto awunakuyilawula, kodwa sinethemba lokuphepha ngokukwenza ngokunyanisekileyo malunga nempilo kunye nezicwangciso zabaqeshi bendawo. Ukuba abaphilile kwaye banenzuzo ngokuqeshisa ixesha elide kutshanje kuhlaziywa, mhlawumbi unesimo esihle.
Ezinye izinto ezingaphandle kolawulo lwakho zirhafu zezindlu kunye ne-inshurensi yepropati.
Imirhumo kunye nama-premium angakhula, ukuphakamisa iindleko zokusebenza kunye nokunciphisa umvuzo wokusebenza kunye nokuhamba kwemali. Le miba engalunganga inokuhlawulwa kunye nezinye izinto onokulawula ngazo. Unokufumana iindlela zokunciphisa iindleko zokuthengisa, ukulawula nokugcina. Ewe, ukuba imarike yokuqashisa inamandla, unako ukuphakamisa iindleko. Ubungakanani obuqilileyo, ngokwenza njalo kunokunyusa izithuba. Ukulahleka kwemali evela kwiiyunithi ezingenamntu kunokuphelisa lula naziphi na iimali ezivela kwiimali ezikhulayo.
Khangela yonke le ngqungquthela yotyalo-mali yokurenta ukuze ubone ezinye iindlela apho umzekelo wepropati unikeza irhafu kunye nezinye izikhuthazo kunye nokubuyisa.