Ukukhula kotyalo-mali kuthatha ixesha. Yiba nomonde kwaye landele imigaqo.
Ukutshala imali ngokukhula kukubandakanya ukuthenga into eya kuxabisa ngexabiso. I-estate, amasheya kunye nobunikazi boshishino yizona ndlela eziqhelekileyo zokutyala imali.
Kungakhathaliseki ukuba yeyiphi ubudala, inxalenye yephothifoliyo yakho kufuneka yabelwe ukukhula kotyalo-mali. Kule minyaka engama-10 yomhlalaphantsi, inani elifanelekileyo liya kuba phakathi kwe-60% -80% yepottoliyo yakho.
Ukuze ube nolwazi oluyimpumelelo lokutshala ukukhula, landela le mithetho emithathu.
1. Utyalomali kwixesha elide
Ixesha elide uthetha xa uthengela into ngenjongo yokukhula kotyalo-mali, kufuneka uceba ukwenza oko ubuncinane iminyaka eyi-10.
Izibalo zitshilo ukuba i-70% yexesha lemarike yemasheya iya kuba nekota efanelekileyo yokubuya; I-30% yexesha iya kuba yinto engalunganga. Okuhle kumnandi! Unokudlala le ngxaki ngokuthenga i- index index , ephethe zonke izitokethi kwi-S & P 500 Index.
Kodwa i-key iyenayo ixesha elide. Kule minyaka yonke eyi-10, lindele ukuba u-3 ukuya ku-4 wabo abuyele ukubuyisela . Oku kwenzeka ntoni kunyaka wokuqala unotyala. Akuthethi ukuba awuyi kubona ukukhula. Le yindlela nje esebenza ngayo. Hlala utyalo-mali, kwaye ukukhula kotyalo-mali okwenzeka kwiminyaka emihle kuya kugqithisa okwenzekayo kwiminyaka embi.
Ukuba uthengela isitokisi ngasinye, ezi zibizo azisebenzisi. Isitokethi ngasinye singenza ngcono nakwiimarike ngokubanzi, okanye kungenza okubi kakhulu.
Ezinye iinkampani ziya kuphazamiseka, kwaye isitokwi asiba nto. Abanye benza kakuhle. Inkcazo yeengxowa-mali inabo bonke, ngoko ufumana iziphumo ezihlangeneyo.
2. Utyalo. Musa ukuchaza.
Abantu balahlekelwa yimali kwiimarike yonke imihla. Ngoba? Bacinga; kutyalo imali.
Abaxeli bazama ukuchitha ixesha iimarike ukwenza inzuzo ngokukhawuleza.
Banganqoba; okanye balahlekelwe ngumkhulu. Esi akusisicwangciso sokuthatha imali yakho yomhlalaphantsi. Ukukhula kotyalo-mali akuveli kwiingcamango; kwenzeka ngokuthenga i-asethi, ekuhambeni kwexesha, iya kuxabisa ngexabiso.
Thatha ixesha lokufunda indlela utyalo-mali oluya kukhula ngayo. Oku kuthetha ukuba kufuneka uqonde oko unakho. Ndikhetha ukuhlukanisa utyalo-mali kwinqanaba lomngcipheko we-one to five . Utyalo-mali oluthile luyi-"5" kwaye utyalo-mali olukhuselekileyo "lunye". Ukukhetha ukhetho kule nqanaba kunokukunceda ubone ukuba umngcipheko owenza ntoni.
Amasheya awayiyo kuphela indawo abantu abayicacisayo. Isebenza nakwi-real estate nayo. Unokuzama ukuyifaka indlu ngokukhawuleza kwaye wenze i-buck esheshayo, okanye unokutshala ixesha elide. Ukucacisa ukuba kunomngcipheko ongakumbi kunye nabangenalwazi abanamava abangenazo izakhono zokuvavanya umngcipheko njengoko kuhambelana nepotfolio, iziphumo zingonakalisa ubutyebi besikhathi eside.
3. Ukuchonga
Ukuba ubeka iifayili zakho kwisitokethi esisodwa, okanye esinye isiqephu sepropati, usenokuya kuVasgas. Oku kufana nokubheja, kungabi utyalo-mali.
Ukukhula kotyalo-mali olude kufikeleleka ngokubeka indlela efanelekileyo yokutyalo-mali ngokuchanekileyo kwiimpahla zendawo kunye ne-estate estate ngendlela eyahlukileyo.
Ukuchithwa kuthetha ukuba neentlobo ezahlukeneyo zotyalo-mali, zombini ezikhuselekileyo kunye nokukhula okujoliswe ekukhuleni, kunye nezinto ezingaphenduliyo zonke kwiimarike kunye neendaba zoqoqosho ngendlela efanayo. Ukusebenzisa le ndlela kuthetha ukuba ulandela iNational Exhibition Portfolio , kwaye ibonakaliswe ukuba iyasebenza.
Ukuba utyalomali kwiisitokisi, sebenzisa imali yenkcazo yemali ukwenzela ukuba imali yakho isasazeke kumawaka amasheya.
Ukuba uthengisa indawo yokuhlala, qulunqa isicwangciso sokuthenga izincinci, izakhiwo zokutshala imali ezinokuhlawuleka, kunokubeka yonke imali yakho kwisiqwenga esinye sepropati.
Uza kufezekisa ukukhula kotyalo-mali olude ixesha elide ukuba unomonde, ucingisise, ugweme isilingo sokucingisa, kunye nokutshintsha utyalo-mali.
Musa ukuGamble
UkuNgcakaza into encinci yenguqu ngelixa iholide ingase ibe yimnandi kodwa ayikho indlela yokuphatha umhlalaphantsi okanye intsapho yakho.
Ngo-2017 nakwiminyaka yokuqala ye-2018, njengoko i-Bitcoin inyuke ngokuxabisekileyo, abatyali-mali abanamava babone ithuba lokufumana imali eninzi ngokukhawuleza. Abanye bade bathathe imali yesibini kwizindlu zabo zokutshala imali. Kungekude kube ngo-2018, ixabiso leBitcoin liye lahla ukusuka kuma-20,000 ukuya kwii-8,000 zamaRandi. Abantu abayilandela i-hype bafumaneke kwicala lokulahleka lokubheja.
Ngaphandle kokuba unamava amaninzi kwiimarike zotyalo-mali, sebenzisana nomntu onokukunceda utyalise iqela leentsapho zekhaya lakho. Kwaye ukuba ufuna ukuzonwabisa ngokukhawuleza njengengqungquthela, faka loo mawaka ambalwa kakhulu.