Indlela yokwenza imali ngokutyalomali kwi-Real Estate
Iindlela eziPrayimari ezintathu zokuBala imali kwi-Real Estate Investments
Kukho iindlela ezintathu eziphambili zokutyalomali abatyala imali kwi-real estate:
- Ukwanda kwexabiso lepropati,
- Ingeniso yengeniso eqokelelwe ngokuqeshisa ipropati kubaqeshi, kwaye
- Inzuzo eyenziwa kwimisebenzi yezoshishino exhomekeke kwi-real estate.
Ngokucacileyo, oko kunjalo. Ngokuqinisekileyo, zikho ezinye iindlela zokufumana inzuzo ngokuthe ngqo okanye ngokungathanga ngqo kwi-real estate, ezifana nokufunda ukuzodwa kwiindawo ezininzi ze-esoteric ezifana nezitifiketi ze-tax bond, kodwa ezo zinto zintathu zibangela ubuninzi bemali engenayo , kunye nenzuzo yokugqibela, zenziwe kwishishini lezezindlu. Ngokufunda indlela yokuwasebenzisa ngayo iphothifoliyo yakho, ungongeza esinye isigaba kwi- asethi kwisabelo sakho sobume , ukwandisa kokubili ulwahlulo, kwaye, ukuba kuphunyezwe ngokuqinileyo, ukunciphisa umngcipheko.
1. Ukwenza imali kwiNgxowa-mali kwixabiso lePropati ye-Real Estate Investment
Okokuqala, kubalulekile ukuba uqonde ukuba ixabiso lepropati alisoloko landa.
Oku kuya kubonakala buhlungu ngexesha lee-1980 ukuya ngasekuqaleni kwee-1990, kunye ne-2007-2009 yezohlwayo zezindlu. Enyanisweni, kwiimeko ezininzi, ixabiso lepropati alifaneli libethe umthamo . Ngokomzekelo, ukuba unayo i-$ 500,000 yexabiso le-real estate kunye ne-inflation ibe ngu-3%, ipropati yakho ingathengisa i-$ 515,000 (i-$ 500,000 x 1.03%) kodwa awukho na ocebile kunokuba unyaka odlulileyo.
Oko kukuthi, unako ukuthenga umlinganiselo ofanayo nobisi, isonka, ushizi, ioli, i-petroli kunye nezinye izinto (okwenyaniso, i-cheese ingaba phantsi kweli nyaka kunye nepetrol, kodwa umgangatho wakho wokuphila uya kuhlala ufana ngokufanayo). Isizathu? Inzuzo eyi-15,000 yeedola yayingeyinyani. Yayiqeshwe.
Oku kwenzeka ngenxa yokuba urhulumente kufuneka akhiphe imali xa esetyenziselwa ngaphezu kweentlawulo. Yonke into elinganayo, ngokuhamba kwexesha, oku kubangela ukuba idoli nganye ekhoyo ilahlekelwe yixabiso kwaye ixabiseke ngaphantsi kwexesha elidlulileyo.
Enye yeendlela abaotyalo-mali abangenayo imali abanokuyenza imali kwi-estate estate ukuba baxhamle imeko ebonakala ngathi ihluma yonke emashumi eminyaka embalwa: Xa izinga lokunyuka kwamaxabiso liqikelelwe ukuba ligqithise izinga langoku letyala lexesha elide , unokufumana abantu abakulungele ukukhawula ngokufumana iipropati, ukuboleka imali ukuthenga imali, kwaye ulinde ukunyuka kwamaxabiso ukwenyuka. Ngaloo ndlela, banokuhlawula i-mortgages ngeedola ezixabisa kakhulu. Oku kubonisa ukudluliselwa kwabasindisi kubaboleki. Ubonise abaninzi abatyali bezindlu abanomdaka benza imali ngale ndlela ngowe-1970 kunye nakwama-1980 njengoko ukunyuka kwamaxabiso kwaqala ukukhupha phambi kokuba uPoland Volker athathe i-2x4 kumqolo walo kwaye wawulawula phantsi ngokunyusa amaxabiso enzala .
Ubuqhetseba buyithengwa xa iinqwelo ze-cap zitshintshileyo zikhangeleka okanye xa ucinga isizathu esithile sokuba inxalenye ethile yexabiso leempahla ngolunye usuku iya kuba nexabiso elingaphezulu kwesilinganiselo sekhompyutheni yodwa ebonisa ukuba kufanelekile. Ngokomzekelo, abakhi abanamakhono abanempahla bangabheka iprojekthi elungileyo, ngexesha elifanelekileyo, ngelixabiso elifanelekileyo, kwaye bavelise ngokwenene imali engenayo yokuqashisa ukuza kuxhasa ukulinganisela okungathi kubonakale bezityebi ngokusekelwe kwiimeko ezikhoyo kuba baqonda uqoqosho, izinto zokuthengisa, kunye nabathengi. Kwidolophu yakudala yakudala, ndabona ihotele elidala elibi kwihlabathi elincinci liguqulwa libe yindawo yokuthenga izakhiwo kunye nezakhiwo zeofisi ezikhupha iindleko ezinkulu kumnini. Ukungabikho kwemali yokuhamba kwemali, ixabiso elikhoyo okanye elikhoyo langoku, ucacisa ngezinga elithile okanye enye, kungakhathaliseki ukuba utsho ntoni, kungakhathaliseki ukuba yiyiphi iibhanki ezivuma iimali-mboleko zakho, kwaye kungakhathaliseki ukuba uluntu olukujikelezayo luchaza ntoni.
Uzakufuna ukunyuka kwamaxabiso emali kwimali ekhethiweyo (ukuba usebenzisa ityala ukuthenga imali) ukukhwela ibheyili okanye uhlobo oluthile lomcimbi ongezantsi ukuze usebenze ngokwakho.
2. Ukwenza imali kwiNgeniso yeNgeniso ezaliswe yi-Real Estate Investments
Ukwenza imali ekuqokeleleni iindleko kulula kangangokuba ngamnye oneminyaka emithandathu ubudala owake wadlala umdlalo weMonopoly uyaqonda kwinqanaba le-visceral indlela izinto ezisiseko ezisebenza ngayo. Ukuba unayo indlu, isakhiwo sezindlu, isakhiwo seofisi, ihotele, okanye nayiphi na enye imali yokutsalwa kwezindlu , unako ukuhlawulisa abantu abaqashisayo ngenjongo yokubavumela ukuba basebenzise ipropati okanye indawo. Ewe, elula kwaye kulula akuyinto efanayo. Ukuba unesakhiwo sezindlu okanye izindlu zokuqashisa, unokufumana uzisebenzisana nayo yonke into esuka kwizindlu zangasese eziphukileyo ukuya kubaqeshi abaqhuba ii-lab. Ukuba unemigca yesigqeba okanye izakhiwo zeofisi, kunokufuneka ujongane nebhizinisi eliqashisayo ukusuka kuwe. Ukuba unobungozi bendawo yokugcina impahla, unokufumana ujongene nophando lwezemvelo ngezenzo zabaqeshi abasebenzisa ipropati yakho. Ukuba unayo iiyunithi zokugcina, ukweba kunokuba yinkxalabo. Utyalo-mali lwamaxabiso awulona uhlobo onokulufowunela kwaye ulindele ukuba yonke into ihambe kakuhle.
Iindaba ezilungileyo kukuba kukho izixhobo ezikhoyo ezithelekisayo phakathi kwezolimo-mali ezinokuthi zibe lula. Enye yale nto, eya kuba yinto ebaluleke kakhulu kuwe kwimfuno yakho yokwenza imali kwi-estate estate iyimilinganiselo yemali ekhethekileyo ebizwa ngokuba yizinga le-cap, elincinci "inqanaba lemali". Ukuba ipropati ifumana i-$ 100,000 ngonyaka kwaye ithengisa i-$ 1,000,000, uza kwahlula i-earnings (i-$ 100,000) ngentengo yentengo ($ 1,000,000) kwaye ufumane i-0.1, okanye i-10%. Oko kuthetha ukuba izinga le-cap yepropati ngu-10%, okanye ukuba uza kufumana i-10% ekulindelekileyo kwi-investment yakho ukuba uhlawule i-real estate ngokupheleleyo kwaye ayikho ityala.
Njengokuba isitokisi ekugqibeleni ixabisa ixabiso langoku lexabiso lemali yokuhlawulela imali, i-real estate iyona nto ifanelekile ukudibanisa i-1.) into eyenziwa ngumnikazi wayo kunye no-2.) i-net cash cash flows ivelisa ixabiso elihlawulelwe utyalo-mali. Ingeniso yengeniso ingaba ngumda wokhuseleko onokukhusela ngexesha lokuwa. Ezinye iintlobo zentengiso yezindlu zangaphandle zilungele ukulungiselela le njongo. Ukubuyela kwingxoxo yethu yangaphambili ngemingeni yokwenza imali kwi-estate, izakhiwo zeofisi, ukubonelela ngomzekeliso omnye, ngokuqhelekileyo kubandakanye ukuqeshisa kwexesha elide, iminyaka emininzi. Thenga enye ngexabiso elifanelekileyo, ngexesha elifanelekileyo, kunye nepropati efanelekileyo yokuqeshisa nokuqeshisa, kwaye unokuhamba ngomkhumbi we- real estate ukuqokelela iirekhodi zokuqashisa eziphezulu ezingaphezulu kweendawo eziqeshisayo ezifunekayo ekufuneka zinikezele (ngenxa isivumelwano sokuqeshisa abasayinayo) nangona amaxabiso aphantsi atholakala kwenye indawo. Yenza ingalunganga, nangona kunjalo, kwaye unako ukuvalelwa kwi-sub par returns emva kokuba i-market ithole kwakhona.
3. Ukwenza iMali kwiiNkampani zoBucala beSakhiwo
Indlela yokugqibela yokwenza imali kwi-investment real estate ibandakanya iinkonzo ezizodwa kunye nemisebenzi yezoshishino. Ukuba unayo ihotele, ungathengisa ama-movie adingekayo kwiimwendwe zakho. Ukuba unesakhiwo seofisi, unokufumana imali kumashishini athengisa kunye neegalaji zokupaka. Ukuba unayo impahla yokuhlamba imoto, unako ukwenza imali kwi-cleaner vacuum cleaners time. Ezi ntlobo zotyalo-mali ziphantse zifuna ulwazi oluthile olulodwa; umzekelo, kukho amadoda kunye nabasetyhini abachitha yonke imisebenzi yabo ekhethekileyo ekuklanyeni, ekwakheni, ekubambeni nasekusebenzeni imoto. Kulabo abaphakama phezulu kwintsimi yabo kwaye baqonde iingxaki zeemarike ezithile, ithuba lokufumana imali lingahlala liphela.
Oku ngakumbi malunga nokwenza imali kwizindlu zangempela
Ukufumana ulwazi oluthe xaxa malunga nendlela yokwenza imali kwi-real estate, funda Isikhokelo soQeqesho soQeqesho kwi-Real Estate Investing .