Kubantu abaninzi, i-real estate yinto elula ukuyiqonda utyalo-mali kuba kulula, ngokuthe ngqo-phambili kwaye ibandakanya ukutshintshiselana ngokufanelekileyo phakathi komnikazi wepropati (umninikhaya) kunye nomsebenzisi wepropati (umnini-mali). Ngethuba nje amanzi atshisayo aqhubeka ehamba kunye nerenti ifika ngexesha, wonke umntu uyavuya kwaye anenzuzo. Ukutshala imali kwiindawo eziphathekayo kunzima kakhulu kunoko, nangona kunjalo, kuba kukho iintlobo ezahlukeneyo zophuhliso lwezindlu ezibandakanya ukuhlala, ezoshishino, kunye nezoshishino, kwakunye ne-real estate eyenza ukuhweba kwi-stock exchange, ezibizwa ngokuba yi-REIT. Esi sikhokelo senzelwe ukukunceda.
Xa utyalomali kwi-real estate, umnqweno wakho ukubeka imali ukusebenza namhlanje kwaye ukhulise ukuze ube nemali eninzi kwikamva. Unokwenza inzuzo eyaneleyo, okanye "ukubuyela", ukujonga ingozi oyithathayo, irhafu oyihlawulayo kunye neendleko zokuba utshintelo lwezakhiwo ezifana neenkonzo kunye ne-inshurensi. Lo mboniso uchaza izinto ezisisiseko zokutyalwa kwezindlu zangasese zokuqala ukuba zikuncede ukuba ufunde oko kukulindela kunye nendlela abatyali-mali abenza ngayo imali kwiindawo zabo zezindlu . Kukho iintlobo ezisibhozo zohlobo lweentengo zezoqoqosho ezithatha utyalo-mali, abatsha-mali abatsha kufuneka baqonde: i-Commercial real estate, i-real estate yokuhlala, i-real estate ye-industrial real estate, i-real estate-use-heritage, i-REIT, i-mortgage loan, kunye ne-sales / reaseback transactions. Ngamanye anenzuzo kunye neengxaki. Esi sikhokelo esisiseko sikunika inkcazo emfutshane kangangokuba awuyi kuyika okanye ukuphazamiseka xa uhlola ingeniso-mali kwaye ubone amagama asetyenziswayo. Kukho iintlobo ezongezelelweyo zepropati, kuquka i-real estate generational heritage. Funda iintlobo ezisibhozo zokutshala kwezindlu ...
Ukuba ucinga ukuthenga i-real estate, nokuba uyindawo yokuhlala yokuqala yentsapho okanye utyalo-mali, kufuneka ukwazi ukugcina imali yakho yokuhlawula imali iphephile kwaye ifikeleleke kalula. Nazi ezinye iimbono zeendawo ezifanelekileyo zokutshala imali yakho yokuhlawula imali ... Njengomtyalo-mali omtsha, ngaba uyazibuza ukuba kukuphi okulungileyo: izitokisi okanye i-real estate? Bobabini banamathuba athile kunye neengxaki kodwa impendulo inokuxhomekeka kubuninzi bakho kunye nokuthanda njengoko kwenza iphothifoliyo yakho kunye nemeko. Fumana ukuba ngubani utyalo-mali onokukhetha ukukhetha ... Enye yezindlela ezithandwayo zokuba ngumnini-propati yindawo ekhethekileyo yotyalo-mali olubizwa ngokuba yi-REIT, elifutshane ukuthenjwa kwetyala lokuthengisa imali. Iingxowa-mali zokutsalwa kwezindlu zangasese zingena "ezingenamkhawulo" -ngomzekelo, abanye batyala imali kuphela kwiindawo zokuthengisa ezithengiswayo, kunye nabanye kuphela kwiindawo zokuhlala. Ungathengisa ii-REIT njengamasheya ngokusebenzisa i- akhawunti ye-brokerage kwaye izabelo zihlawuliswa ngokwahlukileyo kunamaxabiso avela kwi-stocks. Fumana indlela i-REIT esebenza ngayo kwaye nokuba ufanele uqikelele ukuba ungumnini endaweni yepropati yendawo yokuhlala ngqo ... Abanye abacebisi ngezezimali baya kukuxelela ukuba uthumele iintlawulo ezongezelelweyo kumthengi wakho ukuze unciphise ityala lakho lezindlu. Abanye baya kukuxelela ukuba ugcine imali engakumbi esikhundleni sakho, ngoko unako ukubeka ingxowa-mali yokuxakeka ngokukhawuleza. Yintoni echanekileyo? Nazi ezinye izinto oza kuziqwalasela, ingakumbi ukuba unayo i-liquidity eyaneleyo ukukhusela ingozi yemali ... Kufuneka ungabi nantoni na, phantsi kwayo nayiphi na imeko, ube ne-investment ownership ngqo kwigama lakho ! Ininzi yexesha, abatyali-zimali abanomhlaba abanempahla yabo ngokwento eyaziwa ngokuba yinkampani enobunzima okanye i-LLC. Ezi ntlobo ezikhethekileyo zeenkampani zinokukhusela i-asethi yakho kwiimali zokugweba kunye nezinye iingozi. Enyanisweni, abatyala-mali abatyebi banayo ikhaya labo nge-LLC njengendlela yokulawula umngcipheko. Njengomnini-mali omtsha ongeyomhlaba, kufuneka ukuba uqonde indlela ii-LLC ezisebenza ngayo kunye nokuba kutheni ungafuna ukuyisebenzisa ukubamba izakhiwo zakho zokuqashisa okanye ezinye iimali-mali. Enye yezona zityalo-mali ezinkulu umntu oza kwenza ebomini babo zihlala kuzo. Ngelishwa, abatsha-mali abatsha / abanini bezindlu bayaqaphela ukuba xa ucinga ngeendleko ze-inshorensi, ukugcinwa, iindleko zenzalo enemali kwi-mortgage kunye nezinye iindleko, inani lakho lokubuyisela emva kokunyuka kwamaxabiso kwindlu li-0%. Oko akufuneki ukuba kunjalo, kodwa kufuneka ungene kwisabelo sakho sokuqala sokutsalwa kwezindlu kunye neenyawo ezivulekile. Nantsi into oyifunayo ukuba uyazi malunga nenkolelo enkulu yezindlu ...