Hlola ingozi kunye nokubuyiselwa phambi kokuba utyalole
Inani elindelekileyo leNkcazo yeNdawo yeRhafu
Xa ufuna uphuhliso lwepropati, qaphela ukuba ingaba inqanaba elithatyathwayo lerenti liqikelele indawo kunye nomgangatho wepropati.
Umzekelo:
- Masithi uthenge indlu eyi-$ 100,000.
- Ngokuphanda ufunda urenti oluqhelekileyo olo hlobo lwepropati kuloo ndawo li-$ 500 ngenyanga.
- Ngoko ke ungabalwa ukuba uya kufumana i-$ 6,000 ngonyaka (i-$ 500 x 12 = $ 6,000), okanye u-6% ubuyisela obukhulu.
Emva koko, kufuneka ucinge ngeendleko ozakuzenza njengomnini wepropati.
Iindleko zonyaka zoLuntu lweMpahla yoNyango
Unokuphula iindleko zepropati kwiindleko zombini eziguquguqukileyo nezitshintshayo.
- Iindleko eziHlomelo - Uya kuba neendleko eziphindaphindiweyo ezifana neerhafu zepropati zonyaka, i-inshorensi, ukugcinwa rhoqo kunye nezinto zokulungisa, kunye neendleko zeenkonzo zokuphathwa kwepropati.
- Izindleko eziguquguqukileyo - Ungakulibali ukubeka bucala imali kwiindleko ezinkulu ezingalindelekanga ezifana nokutshintsha indawo yokuhambisa amanzi, i-air conditioner okanye i-heater, uphahla, ucingo, uphantsi okanye uphethilo.
Ukuqhubeka nomzekelo ongentla, kuthathe ukuba ubale ukuba iirhafu zepropati, i-inshurensi, kunye nokugcinwa rhoqo kuya kubiza i-$ 1,000 ngonyaka. Uceba kwakhona ukubeka eceleni i-$ 1,000 eyongezelelweyo ngonyaka kwi-akhawunti eya kuhlawula nayiphi na indlela yokulungisa.
Ukubuya kwakho kwangoku (ukubuyiswa kwenkokhelo) kwipropati yakho yokuqeshisa ngoku i-$ 4,000 ngonyaka (i-R6,000 zamawaka ngonyaka werenti ingaphantsi kwama-2,000 kwiindleko zonyaka), okanye i-4%.
Oko kubalwa kuthatha ipropati yakho ihlala iqeshwe ngokuqhubekayo. Kumele ube neengozi ezinjengokungakwazi ukufumana umqeshi wemfanelo.
Ingozi yokuThengwa kwePropati yoMhlaba
Ngaphambi kokuba uthenge ipropati eqeshisayo, qwa lasela ingozi elandelayo:
- Ipropati yakho inokuhlala ingenanto phakathi kweendwendwe, ukunciphisa ukubuyela kwakho jikelele.
- Unokwenza iindleko zomthetho ukuba kufuneka ukhuphe umqeshi ombi.
- Unokubangela iindleko zokulungisa ngokugqithiseleyo xa umqeshi ongeyimbi ebangela umonakalo kwipropati.
I-firm management management firm will help reduce the risk, njengoko banamava afanelekileyo okufumana abaqeshi abaphezulu. Iifayile zokulawula iipropati zihlawula i-10% yerenti efunyenweyo.
Ukuhlaziywa ngokubanzi kokubuyisela, unokulindela ekuthengeni ipropati yerenti, zama i-AARP ye-Investment Property Calculator.
Ipropati yokuqeshisa inganika umthombo ozinzile wenkcitho, kodwa njengawo nawuphi na utyalo-mali, kufuneka uqonde oko ungena ngaphambi kokuba uthenge.
Izibonelelo ezongezelelweyo malunga nokuthengwa kwempahla yokuqeshisa
Ukuba ucinga ngepropati yotyalo-mali, ndiya kukucebisa kakhulu ukuba ufunde incwadi kaYohn T. Reed Ukuthi Uqalise njani kwi-Real Estate. Ngokungafani neencwadi ezininzi ezithandwayo kwi-rental real estate investment, akathembisi ukuba ucebile ngokukhawuleza. Kunoko, ngendlela echanekileyo, uchaza kakuhle oko kuthatha ukuba uphumelele xa utyalomali kwi-estate.
Kwakhona, thetha kwi-Akhawunti yoMntu oyiNkcazo eQinisekisiweyo (CPA) onamava asebenza kunye nabathengi abaqeshisayo. Buza iingcebiso zabo malunga nento oyenzayo, kwaye ungenzani.
Umgcini-akhawunti uya kuba nabathengi abaninzi abaye bafumana amava amahle kunye namabi kunye nepropati yokuhlala, kwaye baya kuba nako ukubonelela ngombono wokujonga injongo kunye neengxaki.