Nakhu okufuneka Ukwazi ngaphambi kokuba Uzimisele ukuthenga
Xa ucinga i-condo njengotyalo-mali, kufuneka uqikelele ngokuchanekileyo:
- yehorensi yonyaka ongayifumana, kwaye
- iindleko zonyaka ozakuzenza, kuquka izinto ezinjengale:
- irhafu yezindlu
- inshorensi
- ukugcinwa nokulungiswa
Ukongezelela, kufuneka ube neengxaki kwixesha elinokubakho, njenge:
- Imirhumo yomthetho ukuba kukhishwe ukukhutshwa
- iindleko zokuthengisa ukufumana abaqeshi
- iindleko zokulungisa ukuba umqeshi unobungozi kwipropati
Masenze iMathematika! Umzekelo weCondo Investment:
Makhe sibone umzekelo. Ukuba ufumana i-condo ithengisa i-$ 55,000. Unokuhlawula imali. Kuya kuqesha i-$ 750 ngenyanga ($ 9,000 ngonyaka). Ucinga ukuba olu limele kwi-16.4 yeepesente (yielded $ 9,000) ihlukaniswe ngama-55,000. Ngaphambi kokuba uvuke kakhulu, kufuneka ubeke ingqalelo kulezi ndleko:
- Iirhafu zezindlu zingu-1 000 ngonyaka
- I-inshurensi i-$ 300 ngonyaka
- Uqikelele malunga needola ezingama-300 ngonyaka kwisondlo nokulungiswa
- Uyabona ukuba i-condo ayiyi kuba yithuba malunga nenyanga enye ngonyaka (ucinga kule nto njengendleko ye-$ 750 ngonyaka)
- Ubalelwa ngexesha ngalinye elingenanto oza kuyidinga ukuchitha i-$ 250 kwiindleko zentengiso, kwaye uqikelele oku njengenkcitho ngonyaka
- Uyabandakanyeka ukuba mhlawumbi omnye kwiminyaka emihlanu ungase ube nolwazi olubi kwaye ube neendleko zomthetho kunye neendleko zokulungisa ezongezelelweyo malunga ne-5,000 zamawaka (okuya kuba malunga ne-$ 1,000 ngonyaka).
Ezi ndleko zizonke ii-3,600 zamawaka ngonyaka (okanye malunga ne-300 ngenyanga ngenyanga).
Intsalela yakho yentlawulo i-$ 5,400 eyi-$ 9,000 engama-3,600 e-$ 600. Ukongeza kokungena kwemali, uya kuthatha inxaxheba ekuxabeni kwexabiso lepropati. Ukuba ulindele ukuba i-real estate ikhuphuke malunga neepesenti ezi-3 ngonyaka, ngowokuqala unyaka wakho i-condo yakho iya kuxabisa ukusuka kwi-$ 55,000 ukuya kuma-56,650 ayi-$ 1,650.
Ukuba awukwazi ukuhlawula imali, kwaye kufuneka uhlawule ngemali ipropati, kuya kufuneka ukuba ubhekiselele kwixabiso lentengo. Kwipropati yotyalo-mali , cwangcisa ukubeka i-25 ekhulwini-50 ekhulwini ukwenzela ukufumana imboleko. Kwimeko ekhankanywe ngasentla, masithi ubeka iipesenti ezingama-30 phantsi (i-16,500 zamawaka) kwaye uhlawule iipesenti ezingama-70 (ezingama-38,500 zamaRandi) kwizinga elingama-7 ekhulwini kwi-30 leminyaka. Intlawulo yakho yayiza kuba yi-$ 256 ngenyanga.
Xa ungeze imali yakho ye-$ 256 ngenyanga kunye neendleko eziqikelelweyo ezibhalwe ngentla, malunga ne-300 zamawaka ngenyanga, ufumana i-R5 556 ngenyanga ngenyanga yeendleko eziqikelelweyo. Ngenzuzo ehlawulweyo ye-$ 750 ngenyanga, le ntlawulo yayiza kubakhokelela ngokukhawuleza kwemali, kwaye ngokusekelwe kule manani kuya kuba yintle-mali.
Ezinye izinto: Uvavanyo lweCondo kunye neMirhumo yeMbutho
Kuya kufuneka kwakhona ukuba ufumane ukuba i-condo oyiqwalaselayo inemirhumo yemibutho kunye nokuba ungadinga kaninzi kangakanani ukuhlawula iimvavanyo. Ukuvavanya iindleko ezenzelwe ukufihla indawo eziqhelekileyo zendawo yekhondomu. Iimvavanyo zingabandakanya ukulungiswa komhlaba, indawo yokupaka kunye nokulungiswa kwamagaraji okupaka kunye nokugcinwa, ukuphucula ngaphandle kwakhiwo, kunye neendleko ezinxulumene nayo nayiphi na indawo efana neyona ndawo yokubambela okanye indlela yokungena. Ezi ndleko kufuneka zibekwe kwixabiso lakho lokuqikelela ngaphambi kokuba ubale ukubuya okuqikelelwayo kwi-investment condo yakho.
Ngaphambi kokwenza nayiphi na imali yotyalo-mali kufuneka uhlolisise nendlela ocinga ngayo. Nazi ezinye iimbuzo ezongezelelweyo ezifunekayo ekuqwalaseleni ukuba ukuthengwa kwe-condo kuya kuba yintalo-mali:
- Ingaba i-condo yakho kwindawo apho iipropati zokurenta zifunwa, njengokuba kufutshane nekholeji?
- Ingaba kwindawo eyaziwayo okanye ethandwa kakhulu?
- Ingaba umqeshi omkhulu kuloo ndawo ungagqithisa kwaye unobangela wokuqeshisa ukunciphisa?
- Ingaba uphuhliso olutsha luyakhiwa ngokusondeza, lushiye lwakho oludinga ukuphucula iindleko zokuncintisana?
Kuthatha ulwazi malunga nommandla kunye namava, ukuvavanya ezi ntlobo zengozi. Kwincwadi enkulu kwinqanaba lihlola i-John Reed's How to Get started in Real Estate Investing .