Funda indlela yokuThengisa eKhaya
Unokuva izinto ezinjengezinto eziphathekayo zinyanisekile okanye uya kuba neloliwe yeenqwelo zeesyayi ezilahliwe kwintla phambi kwakho xa uthengisa iimveliso.
Okanye, ukuphendula ngokukhawuleza ngabaninzi abahwebi abangaphumeleli kukuba akukho mntu unokufumana imali kwimpahla yokuthengisa. Ewe, ngokucacileyo abantu benza imali yokuthengisa impahla.
Inkolelo # 1: Umthombo omkhulu
Kude, ingqinisiso yingxaki enkulu xa utyalo-mali kwizinto eziphathekayo. Ngokuqhelekileyo, kufuneka ubeke i-3 ukuya kwe-15 yeepesenti yexabiso elipheleleyo lekontrakthi yengomso kwikamva elizayo . Oku kungaphantsi kwama-50 ekhulwini okufunekayo kwiimpahla. Kwaye, ke, abaninzi abathengi bemveliso abasaziyo indlela yokusingatha isipho sabo esitsha esilungileyo. Enyanisweni, iimpahla azikho nto ezinokuthi zizenzeke ngaphezu kwee-stocks njengeklasi ye-asethi xa ususa umbandela.
Ingxaki kunye nabanini-zimali bemveliso kukuba baya kutyalwa i-akhawunti eyi-25,000 ye-akhawunti njengama-$ 250,000. Ngokomzekelo, banokuthenga iikontrakthi ezili-10 zexesha elizayo ezine-marginal $ 2,500 nganye kwaye zilawula i-$ 250,000 zeempahla ezixabisekileyo. Ngoko ke, ukuba iimveliso ziphakamisa ixabiso elincinci, zenza i-25,000 yeedola, ziphindwe kabini ukutshala imali.
Nangona kunjalo, ukuba iimveliso zihamba ngaphantsi kwexabiso, utyalo-mali lwabo luyacinywa.
Ukuze uphumelele, kufuneka udibanise izivumelwano ezincinci kunokuba izidingo zomda zivumelekile. Kulo mzekelo ukhankanywe ngasentla, ufanele uthengise iikontraki ezi-1 okanye ezimbini kwixesha elizayo. Susa umgangatho ogqithiseleyo ofumana abathengi abaninzi bezinto ezintsha kwiinkathazo.
Inkolelo # 2: UkuThathwa kweeMveliso
Le nto akuyiyo imfuneko yokukhathazeka. Abadlali abachaphazelekayo kuphela kubandakanyeka ekuthatheleni nasekuhambiseni izibonelelo. Ngethuba nje uvala isivumelwano sakho sexesha elizayo ngaphambi kweso saziso sokuqala, esivame ukuvela kwiiveki ezimbalwa ngaphambi kokuba isivumelwano siphelelwe yisikhathi, akufanele ube neenkxalabo malunga nale nto. Ukuba ngesizathu esithile uyalibala malunga nesaziso sokuqala, umthengisi wakho uza kuyibamba kwaye adibanise nawe.
Inkolelo # 3: Awunayo Imali efanelekileyo kwimpahla yoRhwebi
Uninzi lwabathengi bempahla luza kukuvumela ukuba uvule i-akhawunti nge $ 5,000, ngelixa abanye baqala kwi $ 2,500. Le mali kufuneka ibe ngumngcipheko wemali njengoko iimveliso zingaba utsalo-mali obungozi. Ingxaki ngeengxelo zalesi sikhulu kukuba abatyali-mali bathatha ingozi enkulu kubungakanani babo be-akhawunti. Bavame ukugqithisa idayisi kwaye bathethe yonke into yorhwebo. Musa ukuwela kuloo mgibe. Ukuba uhlawula ukubuyiswa okuhloniphekileyo kweepesenti ezingama-25 ngonyaka, uza kwenza ngcono ngakumbi ekuhambeni kokuchasene nokuzama ukushaya indlu.
Inkolelo # 4: Akukho mntu wenza imali kwizinto zokuthengisa
Inyaniso kukuba abantu abaninzi balahlekelwa xa iimveliso zorhwebo. Nangona kunjalo, abalahlekileyo baqhelekileyo abatyali-mali abalungileyo abaxhamla kwiimarike zentengiso kwaye balahleke kwiinyanga ezintandathu, bangaze babuyele kwakhona.
Abanye bafumana umlutha kwiimarike ngelixa bezama ngokuphindaphindiweyo ukubulala kunye neendlela ezifanayo kwaye baqhubeke belahlekelwa.
Intsha elitsha kukuba utyalo-mali lwempahla ngumdlalo we-zero-sum, oku kuthetha ukuba idola ngalinye lilahlekile, umntu uzuza idola. Enyanisweni, kufuneka ube nefuthe kwiindleko zokuthengiselana, ngoko umntu ngamnye ulahlekelwa ngaphantsi kweedola kwaye elinye iqela lizuza ngaphantsi kweedola.
Ngoko, ngubani owenza yonke imali? Ngokuqhelekileyo abathengisi beempahla nabaqeqeshi bemali abahlala bemenza ngeminyaka ngonyaka. Kwakhona, abathengisi beemveliso zentengiso abenza imali badla ukuthengisa ixesha elide-mhlawumbi iminyaka engama-30. Ngelo xesha, lo mthengisi mhlawumbi uthathe imali evela kumawaka atyali-zimali endleleni.
Abathengisi abaphumeleleyo abahwebi kunye nabahwebi bezentlalo badla ngokuthengisa imali emininzi yemali.
Umthengisi oqeqeshiweyo olawula i-$ 1 yezigidi angenza inzuzo ye-$ 200,000 ngonyaka. Enyanisweni, wathatha imali kwi-40 engama-20 abalahlekelwa ngabathengisi abalahle i-$ 5,000 kwiimarike. Abathengisi abaphumeleleyo baye bahlawula iindleko zabo ukuba bafunde indlela yokuthengisa iimveliso ngokufanelekileyo kwaye balandela ukurhweba ngokuthe ngqo, okuye abaninzi abalahlekelwa ngabahwebi abazange bamkele.
Unokwenza imali kwimpahla yokuthengisa nokuba ungumcebisi okanye utyalo-mali onamava. Andiyi kukuxelela ukuba kulula, kodwa ukuba wenza uphando lwakho kwaye usetyenzise isicwangciso esihle sokurhweba ngezakhono zokulawula imali omeleyo ubeka ithuba elihle lokuphumelela. Ngoko ke, ungaqhubeki ekutyala imali kwizinto eziphathekayo ngenxa yokuba uvile enye yale ngqungquthela enganikiyo umfanekiso onyanisekileyo wokutyalomali kwizinto eziphathekayo.