Ukutshala imali kwizakhiwo ezithengiswayo - izinzuzo nezingozi zokutshala imali ku-real estate + ukubuka konke kwezindlela ze-TOP-18 zokutshala imali ngokunenzuzo

Sawubona, bafundi abathandekayo bemagazini ye-Ideas for Life! Namuhla sizokhuluma ngokutshala imali (utshalomali) kwizakhiwo nezindlu.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Kule ncwadi uzofunda:

• Ziyini izinzuzo nezinkinga ngalolu hlobo lotshalo-mali;
• Izinketho ezahlukahlukene zokutshalwa kwezindlu;
• Izici zokutshalwa kwemali ekwakhiweni;
• Ungaqala kanjani ukutshala imali ngemali encane yamahhala.

Ngaphezu kwalokho, ekugcineni kwendatshana, uzothola izimpendulo zemibuzo ebuzwa njalo.

I-athikili izothandwa futhi izoba wusizo kulabo abafuna nje izindlela zokutshala izimali zabo, kanye nabatshalizimali abanolwazi. Ungamoshi isikhathi sakho, qala ukufunda. Futhi mhlawumbe esikhathini esizayo esiseduze uzothatha izinyathelo zokuqala ezibheke ekutshalweni kwempahla ngempumelelo.

Yiziphi izinzuzo ezinkulu (+) kanye nobubi (-) bokutshala imali kwizakhiwo, lapho ingcebo ingcono ukutshala imali yakho, yiziphi izindlela zokwenza inzuzo ngalolu hlobo lotshalo-mali - funda ngalokhu nokuningi.

1. Izinzuzo nezingozi zokutshalwa kwezindlu ezithengiswayo - izinzuzo nezinkinga ezinkulu 📑

Wonke umuntu owanele ucabanga ngotshalomali olunenzuzo. Kubalulekile ukuthi izimali zonge imali emathonyeni ayingozi ukwehla kwamandla emali... Ngasikhathi sinye, kuyinto efiselekayo ukuthi izimali ezitshaliwe zisebenze, zilethe imali eyengeziwe.

Izinsimbi zokutshala imali ezisetshenziswe esikhathini eside zizosiza ukufeza izinhloso ezingenhla. Ngasikhathi sinye, kubalulekile ukuthi babe nengozi encane futhi bathembise kakhulu. Lokhu yikho kanye abayikho utshalomali lwezindlu.

Isidingo sezindlu zabantu savela eminyakeni eminingi edlule futhi sisaphila kuze kube namuhla. Ngeke aye ndawo ngokuzayo. Ngakho-ke ingcebo kuhlale kunjalo izofunwa, okusho ukuthi iyadingeka ithuluzi lokutshala imali elihle kakhulu.

Ngaphezu kwalokho, izimali ezinjalo zimelela inketho eyamukelekayo ngokuphelele yokwenza ibhizinisi. Ngalokhu akudingeki nakancane ukuba nezizumbulu zemali. Usengatshala imali ku-real estate esigabeni sokuqala sokwakhiwa... Ngaphezu kwalokho, kunethuba lokuba yilungu lekoporasi lezindlu ngokuthenga ingxenye kulo.

Njenganoma iyiphi enye insimbi yezezimali, utshalomali lwezezakhiwo lunakho kokubili buhlefuthi ama-minus.

Phakathi kwezinzuzo (+) zalolu hlobo lokutshalwa kwemali kukhona okulandelayo:

• ukuzuza njalo isikhathi eside, isibngokuqasha impahla ethengiwe, ungenza inzuzo iminyaka eminingi;
• ukutholakala okulinganiselwe kokutshalwa kwezimali;
• ingcebo ine-liquidity ephezulu (ngaphansi kwezimo ezithile);
• anhlobonhlobo ongakhetha utshalomali.

Ngaphandle kwezinzuzo ezibalulekile zokutshala imali kwizakhiwo, zona, njengazo zonke izinketho ezikhona zokutshala imali, zingaba sengozini.

Okubi okuyinhloko (-) kwalokhu kutshalwa kwezimali yilokhu:

• ukufunwa kwempahla kungukuncika okubonakalayo kwesimo sezomnotho ezweni lonke kanye nasendaweni ethile ikakhulukazi;
• amanani entengo yempahla aphezulu kakhulu;
• emadolobheni amancane, isidingo se-real estate sisezingeni eliphansi;
• izindleko ezengeziwe eziphakeme - izinsiza, ukulungiswa, izintela.

Ngaphezu kwalokho, kukhona futhi okungenzeka i-force majeure... Kwenzeka ukuthi intengo yesakhiwo yehle kakhulu ngenxa yezimo eziphoqayo. Ngokwesibonelo, amafulethi asendaweni ehlanzekile ngokwemvelo azokwehla ngentengo uma kwakhiwa ifektri noma umgwaqo omatasa eduze. Ngenxa yalokho, umtshali-zimali ngeke nje athole lutho, kodwa futhi kungenzeka ukulahlekelwa ingxenye yemali etshaliwe.

Ukugwema izinkinga eziningi, kubalulekile ukuqhuba ukuhlaziywa kokuqala... Iqhathanisa izinketho zokutshala imali ezingaba khona futhi ihlola izici nezimo ezahlukahlukene ezingathinta inani lempahla.

Izinketho ezidumile lapho kunenzuzo yokutshala imali

2. Yimuphi umcebo onenzuzo yokutshala imali kuwo - izinketho eziyi-8 ezithandwayo + netafula lokuqhathanisa 📊

Ochwepheshe bezokutshalwa kwezimali bakholelwa ukuthi ukutshala imali ku-real estate kunengozi encane kakhulu kunokuhweba esitokisini, ukutshala imali ekuqaleni nasezamabhizinisi. Incazelo ilula: i-real estate kuyaqabukela iba eshibhile.

Kunenzuzo enkulu ukutshala imali ku-real estate ku enkulu amadolobha. Lokhu kuyiqiniso ikakhulukazi ezindaweni zokuhlala. Kulokhu, kunobudlelwano obuqondile: lapho likhudlwana idolobha, kuba inzuzo enkulu ukutshala imali kwizakhiwo nezakhiwo. Leli qiniso lixhunywe, okokuqala kunakho konke, nokwehluka kwempahla yayo emadolobheni ahlukene.

Kepha kubalulekile ukuqonda ukuthi endaweni ngayinye ungathola izakhiwo zakho ezifanelekile zokutshala imali. Ukuthola inzuzo ephezulu, kufanele wenze ukuhlaziywa okuphelele kwazo zonke izindawo ezikhona bese ukhetha okunenzuzo enkulu kuzo.

Inketho 1. Impahla yokuhlala

Le ndlela ingabizi kakhulu abatshalizimali abazimele... Ubungozi bokutshalwa kwezimali ezindlini zokuhlala zincane.

Kunezindlela ezimbili zokwenza imali ngokuthengwa kwezindlu zokuhlala:

1. ukuthenga kokulandelayo resale ngentengo ephakeme;
2. ukutholwa kwe- ukuqasha.

Kunoma ikuphi, lapho uthenga ifulethi, kubalulekile ukunaka lezi zindlela ezilandelayo:

• indawo - endaweni yokuhlala ehlonishwayo noma endaweni yabafundi, ehlanzekile ngokwemvelo, ekude nesikhungo sedolobha;
• ukwakheka kwezakhiwo, kufaka phakathi ukuba khona kwebhalkhoni, igumbi lokugezela elihlanganisiwe noma elehlukile;
• isimo - ukutholakala nekhwalithi yokulungiswa;
• ingqalasizinda - zikude kangakanani izinkulisa, izikole, imitholampilo, izitobhi zomphakathi, izitolo.

Ngokuvamile, noma imuphi umbandela, noma umbandela obonakala ungabalulekile, ungabakhathalela abathengi:

• buka ngewindi;
• phansi;
• omakhelwane;
• kuncike endaweni yendawo.

Ukuthenga ifulethi (noma enye impahla yokuhlala) njengenzuzo enkulu ngangokunokwenzeka, kuzofanele uyifune wedwa, ngaphandle kosizo lomthengisi wezindlu. Kodwa-ke, kubalulekile ukuhlola ubumsulwa bokuthengiselana okwenziwayo. Sikhulume ngokuthi ungakwenza kanjani lokhu nokuthi yini okudingeka ukwazi lapho uthenga ifulethi emakethe yezindlu zokuqala nezesekondari kumagazini odlule.

Inketho 2. Impahla yezohwebo

Le nketho ye- abatshalizimali abanolwazi oluningi... Kulokutshalwa kwemali okunjalo, indawo yomabili yamahhovisi nezentengiselwano yosayizi omncane, nezakhiwo zendawo enkulu, ezihloselwe ukubekwa kwezinqolobane, izitolo ezinkulu, imihlangano yokusebenzela yokukhiqiza, kufanelekile.

Izakhiwo ezinjalo zihlala zifunwa kakhulu. Inani elikhulu losomabhizinisi lifuna izindawo zokwenza ibhizinisi futhi bakulungele ukuzinika umnikazi ukuqasha... Labo abathengisa izindlu ezithengiswayo kufanele bathole njalo inzuzo kulokho abakutshalile.

Qasha kuyindlela yakudala yokukhiqiza imali engenayo. Kulokhu, inzuzo yomtshali-mali ayincikile esikhathini esichithwa emsebenzini.

Kuyasiza kumtshali-zimali ukwazi ukuthi lapho ukhetha ukuhweba izindlu nomhlaba njengento yokutshala imali, kuyadingeka ukuthi ube nesamba semali esanele ngokwanele. Iminikelo kule ndlela ivame ukuqala ngayo ezinhlanu-Isikhombisa ama-ruble ayisigidi.

Inketho 3. Iziza zomhlaba

Ukuthengwa kwesiza somhlaba kudinga inani elincane lemali kunokuthengwa kwefulethi noma indawo ethengiswayo.

Kunezinzuzo eziningi zokutshala imali emhlabeni:

• izinga eliphansi lamathuba okukhwabanisa;
• akukho ukulungiswa okudingekayo;
• ukungakhokhelwa kwezinsiza;
• inqubo yokuthenga ilula kunenye ingcebo;
• intela ephansi;
• ukwakheka okulula;
• asikho isidingo sokusebenzisa usizo lwabathengisi bezindlu.

Zonke iziza zomhlaba zingahlukaniswa ngokwenhloso yokusetshenziswa. Ngoba utshalomali lwesikhashana ngezindleko eziphansi, izindawo ezisetshenziswayo zifaneleka kakhulu ukwakhiwa... Okuningi utshalomali lwesikhathi eside kufanele ukwenze emhlabeni ohloselwe ukusetshenziswa kuwo ezolimo nezimboni.

Kepha kukhona futhi ukulinganiselwa ukutshala imali emhlabeni. Okokuqala nje, umbuso uqinise ukulawula ukuqinisekisa ukuthi umhlaba usetshenziselwa inhloso yawo. Ngaphandle kwalokhointela yalolu hlobo lwempahla isanda kukhushulwa.

Inketho 4. Izakhiwo nezindawo ezisemadolobheni

Ukuthengwa kwezindawo ezithengiswayo zasemadolobheni ngenhloso yokuqhubeka nokuthengisa kabusha umsebenzi onenzuzo... Lokhu kujwayelekile ikakhulukazi emadolobheni amakhulu ngenxa yokuthi izakhamizi zazo zizama ukuhlala phansi noma zithole ithuba lokuphumula ngangokunokwenzeka emsindweni wedolobha nomoya ongcolile.

Kunezindlela eziningi ongakhetha kuzo zokutshala imali kwizakhiwo ezisemadolobheni

• ukutholwa kwezinto ezisakhiwa;
• ukutshalwa kwezimali ezindlini eziphelile;
• ukuthengwa kweziza zomhlaba ezihloselwe ukwakhiwa kwezakhiwo zasemadolobheni.

Ithemba lokutshala imali kwizakhiwo ezisemadolobheni landa ngokuhamba kwesikhathi. Kepha lapho ukhetha into oyithengayo, kufanele unake lapho ikhona, ingqalasizinda ekhona nokuxhumana... Ezinye izinto ezibalulekile ekwakheni izimo zokuphila ezinethezekile nazo zingabaluleka kakhulu.

Inketho 5. Izakhiwo ezisakhiwa

Enye indlela yokutshala imali ukutshala izindlu nomhlaba kusakhiwa (izakhiwo ezintsha). Ngaphandle kokuthi ubungozi bale nketho bungaphezulu kakhulu, kepha futhi ungakuthola okuningi inzuzo enkulu.

Incazelo ilula kakhulu - impahla eyakhiwayo ibiza kancane kakhulu kunasemakethe yesibili. Ngakho-ke, uma utshala imali esigabeni sokuqala, ngemuva kokuphela kokwakhiwa, amanani kungenzeka abaluleke khula... Ngenxa yalokho, umtshali-zimali uzothola inzuzo ebonakalayo.

Izingozi lapho utshala imali kwizakhiwo ezakhiwayo zivame ukuhlotshaniswa nenkampani kanjiniyela. Uma engathembekile, uyasukuma ingozi izimo ezilandelayo zenzeka:

• ukugunyaza ngaphambi kwesikhathi impahla;
• ukuqandisa ngokuphelele indawo yokwakha;
• ngokwakhiwa okungekho emthethweni noma ukuntuleka kwezimvume, ukudilizwa ngokuphelele kwesakhiwo kungenzeka.

Kungakho, ngaphambi kokutshala imali kwizakhiwo ezisakhiwa, umtshali-zimali udinga ukwenza ukuhlaziywa okuphelele konjiniyela.

Ngasikhathi sinye, kubalulekile ukutadisha hhayi kuphela igama lenkampani, kepha futhi nezici ezilandelayo:

• isikhathi sokuba khona kwenkampani;
• inani lezinto eziqediwe nezithunyelwe;
• noma ngabe bekunesikhathi sokuphumula ngesikhathi senqubo yokwakha esikhathini esedlule, ubude besikhathi nezizathu zabo.

Funda mayelana nokuthi ungathenga kanjani ifulethi kumakhi wesakhiwo esisha (indlu esakhiwa) kumagazini okhethekile.

Ezinye izinketho zokutshalwa kwezindlu

Izinketho zokutshala imali ezingenhla zithandwa kakhulu. Kunezinye izindlela ezingathembisi kangako, ngakho-ke nazo zifanelwe ukunakwa.

Option 6. Ukutshalwa kwezimali ezindaweni zokupaka

Lolu hlobo lokutshala imali lufanele ngoba enkulu amadolobha... Inani elidingekayo ekutshalweni kuleli cala lincane kakhulu. Izindawo zokupaka zihlala zidingwa ngabashayeli, ngakho-ke isidingo sokuqashwa kwabo asomi.

Ngaphezu kwalokho, inhlawulo yokupaka ezindaweni ezingavunyelwe iyanda kancane, izimoto ziya ngokuya zithathwa yiloli elidonswayo. Ngakho-ke, ukupaka kuzohlala kudingeka njalo. Kodwa-ke, kunzima kuleli cala ukubikezela imali engenayo engaba khona, ngoba azikho izibalo ngalokhu kutshalwa kwezimali.

Inketho 7. Ukubamba iqhaza ezikhwameni zezindlu

Ngisho ukuthengwa kwamasheya noma isiphi isikhwama esitshala imali ku-real estate.

Izinzuzo zale ndlela yokutshala zimi kanje:

1. ingcebo ayibhaliswanga kubanini zimali, okuvame ukuba lula kakhulu;
2. ohileleke ngqo ezitshalweni ochwephesheabanesisekelo esithile sezimali zokutshala imali;
3. izinga eliphezulu lokuhlukahluka.

Izinzuzo ezingenhla zivumela umtshalizimali ukuthi azethembe ngembuyiselo ephezulu ekutshalweni kwezimali.

Inketho 8. Ukutshalwa kwezimali kwempahla yaphesheya kwezilwandle

Ukutshalwa kwezimali kwizakhiwo zempahla etholakala kwamanye amazwe kuvame ukubhekwa njengendlela eqinisekisiwe yokutshala izimali. Ngokwesibonelo, Izakhiwo zokuhlala akuvamile zehle, kungakhathalekile ukuthi ikuphi. Ngaphezu kwalokho, kungathathwa njengenketho yokuhamba kwesikhathi esizayo. Kungakho ochwepheshe abaningi bebheka ukutshalwa kwezimali okunjalo njengenketho enenzuzo enkulu, hhayi engenamathemba.

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Ukufingqa, ake sifingqe izindlela ezichazwe ngenhla etafuleni, ngaphandle kwezinketho ezingeziweokuningana kunemininingwane emincane yezibalo. Lokhu kuzokwenza kube lula kakhulu ukuwaqhathanisa.

Ithebula lokuqhathanisa lezinketho zokutshalwa kwezindlu

Inketho	Izinga lokuzuza	Izici zokutshalwa kwezimali
1) Kwizakhiwo zokuhlala	Mude Mayelana 30-65% iminyaka engu-3-5	Lapho uthenga indawo yokuqasha, kufanele uthembele kwimigomo emide
2) Izakhiwo ezithengiswayo	Mude	Izimali kufanele zenziwe isikhathi eside kakhulu
3) Emhlabathini	Ephakathi	Izintela eziphansi Uhlelo lokutholwa olulula
4) Kwizakhiwo zasemadolobheni	Mude	Ukuzuza kuncike kakhulu endaweni nasengqalasizinda
5) Endaweni esakhiwayo	Mude kusuka25-30% isikhathi sokuqalisa iphrojekthi (kusuka esigabeni sokumba kuze kube sekufakeni into)	Ubungozi obanele ngokwanele bokulahleka kwezimali ngenxa yokukhetha okungalungile konjiniyela

Ithebula likhombisa ukuthi utshalomali lwezezakhiwo ngu isikhati eside ukutshalwa kwemali ngenzuzo ephezulu kakhulu. Sikhulume ngezinye izindlela lapho ungatshala khona imali ukuthola imali kwenye yama-athikili adlule.

Izikimu ezinenzuzo (izindlela) zokutshala imali kwizakhiwo nezindawo

3. Ukutshala imali kwizakhiwo nezindawo - TOP-18 izindlela zokutshala imali 💸

Ngokutshala imali ku-real estate, ungangenisa imali ngezindlela eziningi. Ezinye zazo zisobala, ezinye azijwayelekile kuwo wonke umuntu. Ake sizame ukuhlela inani eliphakeme lemininingwane mayelana nezinketho zokuhola.

3.1. Ukutshala imali kwi-real estate ngenhloso yokwenza imali ngokuyiqashisa - izindlela eziyi-12

Enye yezinketho ukuthenga indawo bese uyiqasha. Noma kunjalo, kunezindlela eziningana zokwenza imali.

Indlela 1. Thenga ifulethi ukuze uliqashe

Le ndlela iyindlela ethandwa kakhulu yokwenza imali ngokutshalwa kwezindlu. Ukuqasha ifulethi ngeke kube nzima, ngoba kunabantu abaningi abazimisele ukuqasha ifulethi. Kubalulekile ukuthi wenze imali ngezinto ezingabizi kakhulu zempahla yangempela - amakamelo ehostela noma ngisho efulethini. Ngendlela, funda ngokuthi ungayenza kanjani imali efulethini kwenye yezinto zethu.

Futhi ngale ndlela ukuthi asikho isidingo sokwenza umzamo omkhulu. Kwanele ukukhetha abaqashi abafanele, ukusayina isivumelwano nabo futhi uthole imali yenyanga.

Noma kunjalo, le ndlela nayo ibalulekile ama-minus:

• izinga eliphansi lenzuzo;
• uma uthenga ifulethi usebenzisa izimali zesikweletu, akunakwenzeka ukuthi irenti izokhokha inkokhelo yempahla ebanjiswayo.

Okubi okunjalo akunandaba ukuthi bekungadingeki ukuthi utshale imali efulethini, isib, lapho kutholakala njengefa noma kwenziwa ngasese.Uma uthenga ingcebo, ngale ndlela izokhokhela yona isikhathi eside kakhulu.

Indlela 2. Ukutholwa kwendlu ngenhloso yokuqasha nsuku zonke

Le ndlela yokwenza inzuzo ekutshalweni kwezezakhiwo inenzuzo enkulu. Kodwa-ke, kudinga umzamo omkhulu: uzodinga ukukhombisa ifulethi cishe nsuku zonke, uphume uhambe uthule iziqashi ezintsha, uhlanze, ugeze ilineni lokulala namathawula.

Lapho uqasha ifulethi lokuqasha, kubalulekile ukukhetha abaqashi abalungile. Kuhle uma kuzoba njalo izivakashi noma uhambo lwebhizinisi... Lezo zigaba zezakhamizi ziqasha izindlu isikhathi eside - kuze kube amasonto ambalwa, ngoba noma kunjalo kunenzuzo enkulu kunokuhlala ehhotela. Imvamisa abaqashi abanjalo baziphatha ngokuthula, futhi azikho izinkinga ngabo.

Ukuqasha indawo yokuhlala kubantu abasha abafuna ukuzijabulisa kuncane kakhulu. Lokhu kugcwele izikhalazo ezivela komakhelwane, ifenisha eyonakele nokulungiswa kwayo, intuthu yentuthu kagwayi efulethini.

Uma umtshalizimali ethatha isinqumo sokuqasha indawo yokuhlala yansuku zonke, ungameluleka thatha ibheyili kunani lezindleko zokuphila. Lokhu kuzoba ngumshwalense uma kwenzeka kulimala impahla. Kuzosiza futhi ukwenza ikhophi yepasipoti yakho.

Inzuzo le ndlela yokutshala imali iyizinga eliphakeme lenzuzo.

Phakathi kwe- yokuntula ungabizwa:

• amathuba okuthi konakaliswe ifenisha nenye impahla;
• isidingo sokuhlala sikhombisa ifulethi, singene futhi sixoshe abaqashi;
• ukuhlanza nokuwasha kuyadingeka njalo.

Indlela 3. Ukuthenga ifulethi ngokuqasha ngehora elilandelayo

Ochwepheshe babiza le ndlela yokuqasha nolaka kakhulu... Ngasikhathi sinye, uyakwazi ukunikeza inzuzo ephezulu.

Ngale nketho, kuzodingeka ungene futhi uphume kubaqashi kaningi ngosuku. Ngakho-ke, kungakuhle ukuthi uhlale noma ube nehhovisi eduze kwaleli fulethi eliqashiwe.

Kubalulekile ukulungela iqiniso lokuthi omakhelwane bangaqala ukuveza izikhalazo zabo ngokuthi abantu abangabazi bahlala behla benyuka esizeni.

Kuneziningana izinzuzo le ndlela yokuqasha:

• inzuzo ephezulu;
• ngokukhangisa okuhlelwe kahle, kunamathuba okuqasha ifulethi cishe ubusuku nemini.

Noma kunjalo, kunezinombolo eziningi ze- yokuntula le nketho:

• ukuhlala njalo kwabantu abasolisayo kungaholela ekulimaleni kwempahla;
• kubalulekile ukuba seduze kwefulethi ngaso sonke isikhathi ukuze ungene njalo futhi uhlole;
• ukunganeliseki komakhelwane;
• ukushintsha njalo kwelineni lokulala, kanye nokuhlanza.

Indlela 4. Ukuthenga ifulethi ukuze uhlele ihostela

Ehostela - uhlobo lwebhajethi yehhotela, okungukuhlinzekwa kombhede wokuqasha efulethini elinethezekile.

Kufanele kube nokulungiswa kwekhwalithi ephezulu nazo zonke izinsiza ezidingekayo ukuze uphile. Ngesikhathi esifanayo, imibhede engu-10-12 ingatholakala efulethini. Ngokuvamile, le nketho ikhethwa abantu abeza ohambweni lwebhizinisi nabavakashi.

Amahostela ngokuvamile ahlala kulabo abadinga ukulala ubusuku kwenye indawo, kepha abafuni ukukhokhela ngaphezulu ifulethi noma ihhotela. Amanani lapha aphansi kakhulu kunezinye izinketho zokuqasha. Baqala kusuka 500 ama-ruble.

Izinzuzo ukutshala imali emahostela:

• imali engenayo ephezulu uma kungenzeka ukuqinisekisa ukuhlala kwamakhasimende unomphela;
• noma ngabe ezinye izindawo azihlalwa, umnikazi wehostela uzoba kokumnyama ngenxa yobuningi bemibhede.

Ubuncane amahostela:

• esigabeni sokuqala, udinga ukwenza ukulungiswa okunethezeka, okufanele kugcinwe ezingeni elifanele;
• izindleko zemibhede embhedeni;
• izimangalo ezingenzeka ezivela komakhelwane;
• kuzodingeka unikele isikhathi esiningi ekukhangiseni, ekuxazululeni, ekuhlanzeni;
• ukuze ukwazi ukufaka abahambi bezebhizinisi, kuzofanele ubhalise usomabhizinisi ngamunye, ngoba badinga imibhalo yokubika.

Kodwa-ke, ngeshwa, kungekudala, kwaphasiswa umthetho ovimbela ukwakhiwa kwamahostela ezindaweni zokuhlala. Ngakho-ke, ukuze umsebenzi ube ngokomthetho, kuzofanele uthenge into izindlu ezithengiswayo.

Indlela 5. Ukuqasha indlu yedolobha ethengiwe

I-Townhouse ukuhlukahluka kwezindlu kwaseYurophu, izici ezihlukile okuyizibalo eziphansi zezitezi nokunethezeka okuphezulu kokuphila.

Ngaphezu kwalokho, lolu hlobo lwezindlu lubekwe kude nezindawo ezinabantu abaningi edolobheni, bambalwa omakhelwane lapha. Esikhathini esiningi lezi yizindawo zokuhlala eziseduze nedolobha, emaphethelweni edolobha, amahlathi.

Ukuqasha izindlu zamadolobha kumi ngaphandle kokuqasha amafulethi, ngoba inezici zayo. Le nketho ingahlanganisa ukuqashwa nsuku zonke, ngehora nangenyanga.

Izinzuzo nazi izindlela:

• ithuba lokuhlala kubaqashi besimo esiphakeme senhlalo;
• Uma ufisa, into yezindlu ingahlelwa kabusha ngokuyihlukanisa ibe ama-studio, bese ngaleyo ndlela kwandiswe inani labaqashi abafanayo.

Phakathi kwe- nebubi kungaphawulwa ukuthi ukufunwa kwempahla enjalo kungaphansi kakhulu. Ngakho-ke, abaqashi kuzofanele babheke isikhathi eside kunokujwayelekile.

Indlela 6. Ukutshala imali ekotishi noma endlini yezwe ngokuqasha

Abanikazi bezindlu zezwe kanye namakotishi amancane abavamisile ukuba nezinkinga zokukhiqiza imali evela kulezo zakhiwo. Ungawaqasha njengoba ngenyangafuthi emini... Lapho uqasha isikhathi eside, kubalulekile ukuthi ibanga eliya edolobheni lifushane, futhi neziphambuka zokuhamba ezilula zitholakala eduze.

Ukutshalwa kwezimali e-suburban real estate (ikotishi, indlu yangasese, i-cottage) yokuqasha okulandelayo

Uma ikotishi likhulu ngokwanele, ingxenye yalo kuphela ingaqashwa. Engxenyeni yesibili, umnikazi angaziphilela. Kunamacala ajwayelekile lapho izindlu ziqashwa ingxenye yonyaka kuphela. Ngokwesibonelo, ehlobo abanikazi bahlala ekotishi ngokwabo, kanti ebusika bayaliqasha.

Inketho enhle kakhulu yokuqasha ikotishi - vula Amaholide Omnyaka Omusha... Ngalesi sikhathi, injabulo ngendawo yeholide ayipheli. Izinkampani eziningi ezinkulu ziphupha ukugubha uNyaka Omusha endlini encane ethokomele esendaweni enhle. Unganikeza futhi nethuba lokuqasha ikotishi lemicimbi yezinkampani.

Pluses izinketho ezinjalo zemiholo yilezi:

• imali engenayo ezinzile;
• ikhono lokukhetha phakathi kwenani elikhulu lezinketho - kusukela ekulethweni kwengxenye yekotishi ukuqasha ngamaholide kuphela.

Okubi ukuqasha i-cottage kungabizwa:

• isidingo sendawo eseduze nedolobha;
• ukutholakala kwemigwaqo esezingeni eliphezulu yokungena.

Isidingo esikhulu kunazo zonke esamakamelo amancane anendawo kuze kufike ku-100 sq.m. Abanikazi bezakhiwo ezinkulu kakhulu bangalulekwa ukuba baziqashe kancane kancane. Kepha lapha kufanele uhlinzekele ukutholakala kweminyango ehlukile esakhiweni.

Indlela 7. Ukutholwa noma ukwakhiwa kwebhilidi nokuliqasha

Labo abanezizumbulu zemali sebevele bahlole ukuthi kungenzeka yini ukuthi batshale imali amafulethi amafulethi... Ngaphezu kwalokho, kungenzeka lapha ukuhlela inketho enjalo yokwenza inzuzo, lapho kuqashwa wonke amafulethi asendlini.

Kulokhu, inhlokodolobha iyadingeka ebaluleke kakhulu. Kepha futhi ungonga imali ngokwakha izindlu zesabelomali, isibonelo kusuka LSTK (izinsimbi ezilula ezakhiwe ngodonga oluncane). Ngaphezu kwalokho, inani lamafulethi lingakhuphuka uma indlu yonke ihlukaniswe yaba izitudiyo, nazo ezidingeka kakhulu.

Imali engenayo ephezulu ingatholakala uma uthola indawo enendawo ekahle yokwakha indlu.

Pluses le nketho yokutshala imali iyimbuyiselo enhle. Ngasikhathi sinye, imali engenayo ebalulekile yanyanga zonke iqinisekisiwe noma ngabe indlu ayinabantu abaningi.

Phakathi kwe- yokuntula okulandelayo kungahlukaniswa:

• utshalomali olukhulu lokuqala;
• imvamisa akunakwenzeka ukuthola indawo yokwakha ngokushesha okwanele.

Indlela 8. Ukutshala imali kwizakhiwo zangaphandle ukulethwa ngokuqashiswa okuqinisekisiwe

Abaningi bakholelwa ukuthi imakethe yezimpahla yaphesheya inokwethenjelwa futhi inenzuzo enkulu. Ngakho-ke, uheha abatshalizimali abahlukahlukene baseRussia kusuka okuncane ngaphambi enkulu.

Abatshalizimali bavame ukuba nombuzo mayelana nendlela ephephe kunazo zonke yokuqasha izindlu nomhlaba phesheya ngenkathi uhlala eRussia. Inketho elula kunazo zonke Isiphetho sesivumelwano sokuqashisa esiqinisekisiwe nenkampani yokuphatha (i-MC), endimeni engaba bobabili abathuthukisi namafemu azimele.

Inkontileka yokuphathwa kwempahla ichaza izindleko zesondlo, kanye nezinye izibopho zenkampani yokuphatha - kusuka ekukhokheni izikweletu zombuso kuze kube sekuqashisweni kwempahla okulandelayo.

Kunikezwa izimo ezinhle kakhulu eFrancengoba kulapho le ndlela yavela khona.

Umnyombo womshini ulandelayo:

1. umtshali-zimali uthenga ingcebo;
2. indlu iyalungiswa, kuthengwa ifenisha;
3. inkampani ephethwe yinkampani yezokwakha iqasha ifulethi;
4. umtshali-zimali uthola ikhomishini, esukela kumaphesenti amathathu kuya kwayisithupha ezindleko zaleli fulethi ngonyaka, kuya ngendawo yesakhiwo.

Ubuhle bale ndlela ukuthi umtshali-zimali akadingi ukufuna abaqashi. Zonke izici zenhlangano nazo zithathwa yinkampani yabaphathi.

Izinhlobo zezakhiwo ezitholakala ukuthengwa phesheya ziyahlukahluka. Lapha ungathenga:

• izindlu zokuhlala;
• mini-amahhotela;
• amafulethi;
• amafulethi ngasolwandle;
• ngaphandle kwamahhotela.

Uma utshala imali ku-real estate etholakala ezindaweni zokubhuka, ungaqiniseka ukuthi ngeke ibe nalutho. Ngaphezu kwalokho, izindleko zempahla enjalo zivame ukuba ngaphansi kakhulu kunasemadolobheni amakhulu aseRussia. Umehluko obaluleke kakhulu uyabonakala lapho uqhathanisa neMoscow.

Phakathi kwe- pluses inketho enjalo yokutshala imali ingabizwa:

• ukwethembeka;
• amathemba;
• amathuba okutshalwa kwemali nganoma yisiphi isigaba sabatshalizimali;
• esimweni sokuqashwa okuqinisekisiwe, ungathola imali engenayo. Okuvame ukuba ngaphezulu kunalapho kuqashwa ezinye izakhiwo.

Phakathi kwe- ubunzima kungahlukaniswa:

• isidingo sokushelela izilimi zakwamanye amazwe;
• kuzofanele uvakashele izwe ohlela ukuthenga kulo izindlu nomhlaba okungenani kanye;
• Kunzima ukuthola imininingwane mayelana nezici zomthetho nezomthetho zamazwe angaphandle.

Indlela 9. Ukutholwa kwegumbi efulethini elisendaweni yaseRussia nokuqashiswa kwalo okulandelayo

Imakethe yezindlu eRussia iya ngokuya ithandwa ngokwengeziwe amafulethi... Zifana kakhulu nezindlu ezijwayelekile ezinendawo yangaphakathi eyenziwe ngomumo. Ngaphezu kwalokho, lapha kunikezwa ngezinsizakalo zehhotela zendabuko - ama-concierges, ukulethwa kokudla nokuningi.

TO pluses izimali ezinjalo zifaka:

• izindleko eziphansi uma kuqhathaniswa namafulethi anosayizi ofanayo;
• izinga eliphezulu lenkonzo yehhotela;
• ingqalasizinda evame ukukhula kakhulu. Imvamisa esakhiweni uqobo kunamagumbi okuzivocavoca, izindawo zokudlela, amathilomu, ama-beauty salon;
• amafulethi angaqashwa ngenkampani yabaphathi; umtshalizimali akudingeki ukuthi azihlalise yena ngokwakhe.

Phakathi kwe- yokuntula amafulethi afaka okulandelayo:

• izinga eliphansi lokulawulwa emthethweni;
• amafulethi anesimo sezindawo ezingezona zokuhlala, ngakho-ke ngeke kukhishwe ukubhaliswa kuzo;
• kusekhona okumbalwa okuhlinzekwa ngamafulethi emakethe.

Indlela 10. Ukutholwa nokuqashiswa okulandelayo kwezindawo zokuhweba ezingezona ezezindlu

Into ehlukile yokutshalwa kwezindlu kungukuthi ukuthengwa kwendawo yokuhweba... Lokhu kungaba yindawo yokugcina impahla efudumele noma ebandayo, izakhiwo zokukhiqiza, izakhiwo ezitolo nasezikhungweni zehhovisi, izakhiwo ezingezona zokuhlala ezakhiweni zokuhlala, amagumbi angaphansi, amagumbi angaphansi nezinye izinto eziningi.

Ukutshalwa kwezimali kwizakhiwo ezinjalo kudumile ngenxa yesidingo esikhulu saso. Inani elikhulu losomabhizinisi lifuna izindawo ezintsha zebhizinisi nsuku zonke. Izidingo zabo zehlukile: ezinye zidinga izakhiwo ezinethrafikhi ephezulu, ezinye ezinezindleko eziphansi zokuqasha.

buhle izimali ekuthengisweni kwezezakhiwo:

• inzuzo ezinzile;
• unganciphisa ukukhokha kwerenti isikhashana ukugcina abaqashi;
• izinketho ezahlukahlukene zokulethwa, ngokwesibonelo, ezingxenyeni ezithile;
• ukuncika kwemali engenayo ngobukhulu bendawo, okungaba ngamakhulu noma izinkulungwane zamamitha skwele.

Phakathi kwe- nebubi ingcebo yezentengiselwano njengento yokutshala imali ingabizwa ngokuthi:

• ubunzima bokuthola abaqashi bezindawo ezinkulu;
• ngezikhathi zezinkinga, izinkinga ngokuqasha zingenzeka.

Indlela 11. Ukwakhiwa kabusha kanye nokwahlukaniswa kwezakhiwo zibe yizinto ezihlukene ezihlukanisiwe ezingasuki endaweni encane yokuqasha okulandelayo

Le ndlela isuselwa ekwakhiweni kwezindawo zokuhlala ezihlukanisiwe ezihlukanisiwe endaweni yesakhiwo esisodwa. Ngamanye amagama, umtshalizimali, onayo ikamelo elilodwa, ingayihlukanisa kuma-studio ama-2... Njengomphumela, inzuzo evela ekuqashisweni ngokuqhathaniswa nokuqashisa ngaphandle kwezinguquko inyuka okungenani isikhathi esisodwa nohhafu.

Amafulethi anekamelo elilodwa, amabili, amathathu, kanye namakotishi nendlu yedolobha kufanelekile ukwakhiwa kabusha. Kungaba nzima ukuqhuba ngokusemthethweni imicimbi enjalo. Noma kunjalo, imvamisa zingaxazululwa.

Izinzuzo le ndlela iqukethe inzuzo ekhulayo ngokwakha amakamelo ambalwa angawodwa.

yokuntula aqukethe isidingo sokwakhiwa kabusha kanye nokulungiswa okuyinkimbinkimbi, kanye nasekuxhumaneni kwezinguquko ezenziwe.

Indlela 12. Ukuthenga igalaji, ibhokisi noma indawo yokupaka ukuqasha

Le nketho ifanele abatshalizimali abafuna ukutshala imali ku-real estate, kepha abanayo imali enkulu.

Esikhathini esiningi bathenga amabhokisi egalaji, izindawo zokupaka, kufaka phakathi ezangaphansi komhlaba, kanye namagaraji.

Inzuzo indlela enjalo yizinga eliphansi lokufakwa kwentengo. Kwezinye izifunda, ukuthola impahla enjalo, kwanele ukuba nama-ruble angaba yizinkulungwane ezingamakhulu amathathu.

Kubalulekile kusimo inzuzo ephansi.

3.2. Ukutshala imali kwi-real estate ngenhloso yokuqhubeka nokuthengisa kabusha - izindlela ezi-5

Ukuthola ngokutshala imali ku-real estate kungenzeka hhayi kuphela ngokuqasha, kodwa futhi nangokuthengisa. Kukhona nezindlela eziningana zokwenza lokhu.

Indlela 13. Ukutholwa kwesiza somhlaba sokuthengiswa kabusha okulandelayo

Le ngenye yezindlela ezilula kakhulu zokutshala imali. Kwanele ukuthenga isiza somhlaba, linda ukuthi intengo ikhuphuke futhi usithengise. Ngasikhathi sinye, awudingi ukuthi utshale imali enkulu nemizamo ekuyigcineni kwayo.

Ngaphezu kokuthengisa kabusha, ungakha indlu, indlu yedolobha noma ikotishi emhlabeni owutholile. Ngemuva kwalokho impahla ingaba thengisa noma ukuqasha.

Izinzuzo izinketho ezinjalo zokutshala imali yilezi:

• ukukhethwa okukhulu kweziza zomhlaba ngezinhloso ezahlukahlukene;
• uma ukuthengiswa okulandelayo kuhlelwe, kuzodingeka umzamo omncane.

yokuntula avele lapho umhlaba uthengwa ukwakhiwa. Kulokhu, kuzodingeka imizamo eyengeziwe nezindleko zezezimali.

Indlela 14. Thenga ifulethi ngesikhathi sokwakhiwa, kuthi lapho indlu isisebenza, uthengise

Ngale ndlela, ingcebo (kujwayelekile kakhulu amafulethi) ithengwe ezigabeni zokuqala zokwakha.

Kulokhu, izinketho zingenzeka:

• thenga izindlu nomhlaba ekuqaleni kokwakhiwa, lapho kunomgodi wesisekelo kuphela noma phansi okuphansi;
• tshala imali ezigabeni zakamuva zokwakha.

Kukhona ubudlelwane obuqondile lapha. Kunokuthi ngaphambili uthenge impahla, ngakho-ke inzuzo enkulu ingatholakala ngemuva kokuqalisa ukusebenza kwendlu. Kwezinye izimo, inzuzo yomtshalizimali ifinyelela kuze kufike ku-45-50% futhi nokuningi. Kepha ukuthola imali engenayo enjalo, udinga ukuthenga ifulethi okungenani unyaka nohhafu ngaphambi kokuphela kokwakhiwa.

Kubalulekile ukucabangela ubungozi obukhulu bokwakhiwa okungaqediwe, okujwayelekile ezweni lethu.Amathuba okushiywa ungenafulethi makhulu impela. Ngakho-ke, indlela ephephe kunazo zonke futhi esheshayo yokwenza inzuzo ukuthenga ifulethi. ezigabeni zokugcina zokwakha.

Izinzuzo indlela ebhekiwe yile:

• akudingeki ukuthi useshe, ungene futhi uxoshe abaqashi;
• imali engenayo iseduze kokungenzi lutho - kwanele ukuthenga ingcebo esiteji sokwakha, futhi lapho isilungile, yithengise;
• inzuzo iphakeme impela, njengoba izindlu nezimpahla zihlala zikhula ngenani.

Ububi le nketho ingozi enkulu ngokwanele yokwakhiwa okungaqediwe.

Indlela 15. Ukutholwa kwendlu esesimeni esidabukisayo, ukuqeda umsebenzi nokuthengisa

Ezweni lanamuhla, imicu ephansi yabantu ivame ukuhlala ezindlini, isib, izidakwa, imilutha yezidakamizwa. Ngokwemvelo, banezindlu esimweni esidabukisayo... Ngenxa yalokhu, ifulethi linamapayipi anengekayo, izindonga ezikhululiwe, iphunga elibi.

Kukhona namanye amafulethi alungele lolu hlobo lokutshala imali. Lawa okuthiwa ongakhetha ugogo - ingcebo, lapho abahlala impesheni bahlala isikhathi eside, abangakwazanga ukuyinakekela kahle. Esikhathini esiningi, lokhu kufaka amafulethi ezakhiweni ezindala ebezisebenza amashumi eminyaka ambalwa.

Amafulethi anjalo aheha abatshalizimali. Zingathengwa ngezindleko eziphansi kakhulu, sezenziwe ukulungiswa, futhi zalethwa esimweni esihle. Ngemuva kwalokho, ifulethi elinjalo lingathengiswa ngentengo emakethe emaphakathi noma libize kakhulu. (Sikhulume ngendlela yokuthengisa masisha ifulethi nokuthi yimiphi imibhalo edingekayo ukuyidayisa kumagazini wokugcina).

Ungasebenzisa futhi le ndawo ngezinketho ezahlukahlukene zokuqasha.

Inzuzo Le nketho yokutshala imali ukuthi ngokuthengisa ifulethi elinjalo ngemuva kokulungiswa, ungathola inzuzo enkulu. Ngaphezu kwalokho, ungayiqasha ngemali engenayo ejwayelekile.

Okubi nazi izindlela:

• isidingo sezindleko zokulungisa ezengeziwe;
• ukufunwa kwamafulethi angasebenzi kahle kuphakeme kakhulu kunokunikezwa, abathengisi abaningi bezindlu bafuna indawo enjalo, ngakho-ke kungathatha isikhathi eside ukukhetha inketho.

Indlela 16. Ukuthenga izindlu nomhlaba kuthembisiwe noma kuboshwe ngentengo eyehlisiwe ngenhloso yokuthengiswa kabusha okulandelayo

Imvamisa, amabhange lapho eboleka imali athatha ingcebo njengesibambiso. Uma umboleki engakwazi ukukhokha izibopho ezicatshangelwe, indawo ehlanganisiwe iba impahla yebhange. Izinhlangano zezikweletu zivame ukuzama ukuthengisa isibambiso sangaphambili ngokushesha okukhulu, kunciphise intengo yazo ngangokunokwenzeka.

Inzuzo Le nketho yokutshala imali kungenzeka ukuthenga izindlu nezindawo ngamanani aphansi kakhulu kunamanani emakethe.

Phakathi kwe- yokuntula le nketho ingabizwa:

• ubunzima benkambiso yokubhida, kuzothatha isikhathi ukuthola konke;
• kungathatha isikhathi eside ukuthola indawo efanelekile;
• kuyadingeka ukuqapha njalo izimemezelo zezinketho ezinjalo zokuthengisa;
• ungathenga izakhiwo ezinjalo kuphela ngemali; izinhlelo zokubolekwa kwemali mboleko azisetshenziswa lapha.

Indlela 17. Ukwakha indlu kusukela ekuqaleni bese uyithengisa ngemuva kokuqedwa

Le nketho yokutshala imali idume kakhulu ngoba umhlaba kanye nezakhiwo uqobo kubiza kakhulu ngokuhamba kwesikhathi. Indlu eyakhiwe ngokuzimela izobiza ngaphansi kwendlu yendawo efanayo, futhi umehluko ungafinyelela 100%.

Ngale nketho, abukho ubungozi bokwakhiwa okungakaqedwa. Kutholakala kuphela kumakhono wezezimali womtshali-zimali, abalwa kangcono ngokushesha. Labo abanamakhono wokwakha nabasizi abambalwa banganciphisa kakhulu inani lotshalo-mali.

Ngokwakhiwa ngasikhathi sinye kwezindlu eziningana, kuyenzeka ukuthi kongiwe ezintweni zokwakha. Ngaphezu kwalokho, imali yokuqala ingaba thatha isikweletu... Kukhona ithuba lokuthola isikweletu semali yokwakha indlu yezwe.

Imvamisa ukwakha izindlu futhi amakotishi... Uma unenani elikhulu, ungakha indlu yedolobha noma nezindlu ezincane ezinezindlu eziningi.

Izinzuzo le nketho yokutshala imali inezinhlobo ezimbalwa:

• inzuzo ephezulu uma iphumelela;
• amandla okusebenzisa indlu ngezinhloso zabo.

Phakathi kwe- yokuntula ungabizwa:

• umtshali-zimali kumele aqonde zonke izigaba zokwakha;
• uma kuhlelwa ukwakhiwa kwendlu kusetshenziswa abasebenzi abaqashiwe, kuzofanela ukuthi ubheke ngokuzimela inqubekela phambili yokwakhiwa.

3.3. Izindlela zoqobo (ezingavamile) zokwakha izidleke

Ngaphezu kwezikimu ezingenhla zokuthola imali ngokuqasha noma ukuthengisa kabusha izakhiwo, kunezinye izindlela zokwenza imali ekutshalweni kwezindlu. Ingakwazi imibono engavamile, ngokwesibonelo, njengoba kukhonjisiwe ngezansi.

Indlela 18. Ukufakwa kabusha kwesitsha solwandle endaweni yokuhlala

ERussia, lolu hlobo lwempahla yasemadolobheni yi okusha... Ekujuleni kwawo, ifana nendlu ejwayelekile yokushintsha, kepha ifakwe kahle. Indlu enjalo iyindlela engabizi kakhulu. Awudingi nokwakha noma yini lapha. Kwanele ukufaka isitsha, wenze ukulungiswa kwekhwalithi ephezulu, welule ukuxhumana.

Lapho izimo zokunethezeka sezitholakele, endlini enjalo ungakwazi phila wedwa noma ithengise... Uma kunemigwaqo emikhulu eduze kwesiza, kungenzeka impela uqashe indlu enjalo.

Izindleko zokwakha izindlu ezinjalo ziphansi. Isiqukathi singathengwa boo mayelana ngamunye 100 000 ama-ruble... Umsebenzi wokulungisa nokuxhumana kuzobiza cishe e 150 000 ama-ruble... Ngokomthetho, lokhu kwanele ukuthola izindlu ezamukelekayo.

Kuyathakazelisa ukuthi uma kunesidingo ngokuzayo indlu enjalo ingahanjiselwa endaweni entsha.

Ngokwesibonelo, ithole isakhiwo lapho kuhlelwe ukuthi kwakhiwe khona inhlokodolobha. Ngesikhathi somsebenzi, ungahlala endlini kusuka esitsheni. Lapho ukwakhiwa kuqediwe futhi umsebenzi usudluliselwe kwenye indawo, kuzokwazi ukuhambisa indlu lapho.

Uma sikhuluma ngenzalo yabatshalizimali, indlu yeziqukathi, uma iqediwe kahle, ingaqashwa... Vele, intela enjalo ishibhile kakhulu kunendlu egcwele, kepha kuzohlala kunesidingo sezindlu ezinjalo. Lokhu kungenxa yokuthi abantu abaningi bafuna indawo eshibhe engabakhona.

Le nketho ibuye ilungele labo abathenga umhlaba, kepha abanalo ithuba lokuqala ukwakhiwa okwamanje. Kulokhu, ungabeka indlu kusuka esitsheni esizeni somhlaba, uhlale kuso ngokwakho. Uma uqasha izindlu ezinjalo, ungonga imali yokwakha noma ukhokhe imali mboleko ethathiwe yokuthenga umhlaba.

Izinzuzo le ndlela yokutshala imali imi kanje:

• izindleko eziphansi zezindlu;
• ungakha ingaphakathi lokudala, umklamo ongavamile ngaphandle kwendlu.

Ububi ngukuthi akubona bonke abantu abazovuma ukuhlala endlini yamakhonteyina. Kodwa-ke, uma usebenzisa umcabango wakho futhi wenza izindlu zikhululeke ngokwanele, ngeke kuphele abaqashi.

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Ngakho-ke, kunezindlela eziningi zokwenza imali ngokuthengiswa kwezindlu. Lapho ukhetha okulungile, kufanele ugxile kokuthandayo, kanye nenhlokodolobha etholakalayo.

Umhlahlandlela wesinyathelo ngezinyathelo wama-novice kanye nabatshalizimali be-novice wokutshala imali ku-real estate

4. Ungaqala kanjani ukutshala imali kwizakhiwo nezakhiwo - 5 izinyathelo ezilula 📝

Akunandaba ukuthi iyiphi indlela yokuhola ezokhethwa, ukutshalwa kwezimali kwempahla kufanele kube njalo kuyavumelana futhi ukuhlakanipha... Lokhu kukuvumela ukuthi unciphise izinga lobungozi futhi wandise inzuzo etholakalayo.

Kubalulekile ukunamathela ekulandelaneni okuthile ukuze utshalomali lukhululeke futhi luphephe.

Isinyathelo 1. Nquma izinga lamandla wezezimali

Okokuqala, umtshalizimali kumele anqume unemali engakanani... Lokhu yilokho okunquma ukuthi yiluphi uhlobo lwemali yezezakhiwo oluzotshalwa kulo.

Kubalulekile ukukhumbula ukuthi ungatshala imali izimali zamahhala kuphelalokho akuhloselwe ukukhokhela izidingo ezibalulekile zomtshalizimali.

Uma inhlokodolobha yomtshali-zimali incane, kuzofanela ukuthi ukhethe kusuka kutshalo-mali lomhlaba noma lwezezindlu ngesikhathi sesigaba sokwakha. Kuyafaneleka futhi ukubheka izinketho zokwandisa imali ngezimali ezibolekwe nokuheha abatshalizimali ababambisene nabo.

Isinyathelo 2. Fundisisa iziphakamiso

Esinye sezigaba ezibaluleke kakhulu kunoma yikuphi ukutshalwa kwezimali ukuthi ukuhlaziywa kwemakethe... Usayizi wenzuzo yesikhathi esizayo uncike kuyo.

Ukuze wenze ukuthenga okunenzuzo ngempela, udinga ukuchitha isikhathi esiningi uhlaziya isimo samanje semakethe.

Inzuzo enkulu impela ivame ukutholwa yilabo abatshalizimali abazokwazi ukutadisha kahle ukuthambekela nokuhluka kwemakethe.

Isinyathelo 3. Ukukhetha into yokutshala imali

Okubalulekile khetha impahla efanele, lapho izimali zizotshalwa khona. Abanye abatshalizimali abanemali enkulu bakhetha ukutshala imali ezindlini zikanokusho nezinketho ezahlukahlukene ezikhethekile (isib, izindlu zepentente noma amafulethi anezingqimba)... Izinto ezinjalo zibiza kakhulu, kepha futhi zinezimali eziphakeme kakhulu. Lokhu kunjalo ikakhulukazi emadolobheni amakhulu.

Uma kwenziwa isinqumo sokutshala imali ezakhiweni ezisakhiwa, kufanele ukhethe lezo ezakhiwayo ngesinyathelo esisodwa... Izindleko zezindlu ezinjalo zihlala zikhula njengoba kuvela izitezi ezintsha. Ngakho-ke, kungakuhle ukuthi utshale imali kulezo zakhiwo kusenesikhathi.

Ngokuya ngezinga lenzuzo, ingcebo emakethe yesibili Ngaphansi ekhangayo kubatshalizimali. Kepha izindlu ezinjalo zingathengwa kubambiso bese ziqashwa ngokushesha.

Isinyathelo 4. Ukuthenga indawo

Kulesi sinyathelo, kubaluleke kakhulu ukwenza ngendlela efanele futhi eshibhile ngangokunokwenzeka ukuqhuba inqubo yokubhalisa impahla. Labo zimali abangenalo ulwazi olwanele ekuthengeni okunjalo kufanele bafune usizo ummeli noma onolwazi umthengisi... Uzokusiza ukuthi udwebe isivumelwano ngokufanele ngokomthetho.

Kubalulekile futhi ukukhumbula kuma-nuances wentela wokuthengiselana... Kufanele uzijwayeze nabo kusengaphambili.

Isinyathelo 5. Ukukhishwa kwenzuzo

Ukwenza inzuzo, kuhlala kunjalo thengisa kabusha noma ukuqasha impahla ethengiwe. Ngasikhathi sinye, isikhathi sokubuyisela sincike enjongweni yokutholwa.

Ngokwesibonelo, uma ngabe ifulethi elisesakhiweni esisha lithengiswa kabusha, kuzotholwa imali engenayo eminyakeni 2-3... Kepha ungakhohlwa ukuthi lapho uthengisa indlu, ubuncane 5 iminyaka, kufanele ukhokhe intela.

Ukuqasha kungaphezu kwe- isikhati eside izimali. Inkokhelo kulokhu izofika kuphela eminyakeni 6-9... Kepha ngasikhathi sinye, izingozi zokutshalwa kwemali ziphansi kakhulu. Ngaphezu kwalokho, impahla eqashisiwe izohlala iyimpahla yomtshali-zimali. Uma kunesidingo, ingahlala ithengiswa.

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Umtshalizimali kumele aqonde ukuthi ukwenza utshalomali ngokungaguquguquki, ukusuka kwesinye nesinye, kunganciphisa kakhulu izinga lobungozi futhi kukhuphule inzuzo.

Izindawo ezidumile zokutshala imali ekwakhiweni kwezindlu zokuhlala nezentengiselwano + izigaba ezilandelanayo zokutshalwa kwezimali ezinekhono

5. Ukutshalwa kwezimali ekwakhiweni kwezindawo ezithengiswayo - Izinketho ezi-5 ezinokwethenjelwa zezimali zokutshala imali + izigaba eziyinhloko zokutshalwa kwezimali 📋

Ukutshalwa kwezimali kwezakhiwo ezakhiwayo kudume kakhulu namuhla. Ziyindlela enhle yokwenza imali isebenze. Ngakho-ke, kubaluleke kakhulu ukuqonda yonke imininingwane kanye nobuqili balolu daba.

5.2. Uhlobo luni lokwakha olungcono ukutshala imali kulo - izinketho ze-TOP-5 + netafula lokuqhathanisa

Kunezindawo ezahlukahlukene ezikuvumela ukuthi utshale imali kwizakhiwo ezisakhiwa. Ukukhetha kuya nge isipiliyoni sabatshalizimali, futhi inani lemali eshisiwe.

Ngezansi kunezinketho ezinhlanu ezithandwa kakhulu futhi eziyingozi kakhulu ekwakhiweni kwezimali.

Inketho 1. Ukutshalwa kwezimali ezindlini (ezindlini) ezindlini ezakhiwayo

Lolu khetho lubhekwa njengenye yeziningi kakhulu iyatholakala izindlela zokutshala imali, ezikhona ubuncane izingozi. Inhloso yalokhu kutshalwa kwezimali isikhathi eside - ukuthenga indawo yokuhlala (ifulethi) ngesikhathi sesigaba sokwakha, futhi lapho sekuqediwe, thengisa noma ukuqasha.

Lapho ukhetha into ozoyithenga, kubalulekile ukubheka izinkomba ezilandelayo:

• indawo - ibanga lokungena ezimpambanweni zezithuthi eziseduze, izitobhi zomphakathi, iziteshi zemetro;
• isakhiwo sezindawo zokuhlala;
• ingqalasizinda - kukhona izikole, izinkulisa, izitolo ezinkulu eziseduze;
• amathuba okuthuthukiswa kwesifunda ngokuzayo.

Kubalulekile futhi ukukhumbula ukuthi amafulethi amancane anekamelo elilodwa noma amabili adingeka kakhulu emakethe.

Inketho 2. Izindlwana (izindlu ezizimele)

Cottages ngokwesiko kufaka izindlu nezidada ezitholakala ngaphandle kwedolobha. Izakhiwo ezinjalo zingasiza kakhulu. Isidingo samakotishi ku enkulu amadolobha. Izakhamizi zabo zilwela ukuzihlinzeka ngethuba lokuphumula kude nesiphithiphithi sedolobha, uthuli, umsindo kanye nokungcola kwegesi.

Okuthembisa kakhulu ukutshalwa kwezimali emakhaya asezingeni lesisekelo.

Lapho ukhetha into oyithengayo, kufanele unake izinkomba ezimbalwa:

• isimo sesifunda;
• kukhona ukuxhumana;
• ithuthukiswe kanjani ingqalasizinda.

Eminye imingcele, lapho impilo entofontofo incike khona, nayo ingabaluleka.

Inketho 3. Amahhotela namahhotela

Okuhlangenwe nakho kwabatshalizimali emhlabeni wonke kwenza kube lula ukuqonda ukuthi isikhathi sokubuyiselwa kwalokhu kutshalwa kwezimali simayelana 4-6 iminyaka. Lezi yizinkomba ezinhle kakhulu., ikakhulukazi emadolobheni amakhulu kuhlale kunesidingo sendawo yokuhlala esezingeni eliphezulu kubavakashi.

Inketho 4. Izindawo zokukhiqiza

Le ndlela yokutshala imali ifaneleke kakhulu kulabo abatshalizimali asebevele benolwazi ngezindlu nezindlu. Kubalulekile ukunquma ngenhloso yalokhu kutshalwa kwezimali ngaphambi kokuthengwa kwendawo yokukhiqiza eyakhiwayo.

Izinto ezilandelayo zidingeka kakhulu kule nguqulo:

• amafektri efenisha;
• izakhiwo zomkhakha wezokudla ezisakhiwa;
• ukukhiqizwa kwamakhemikhali asendlini kanye nempahla ebalulekile.

Kungcono kakhulu abatshalizimali be-novice ukuthi batshale imali kwizakhiwo zezimboni besebenzisa izinsizakalo zabaqeqeshiwe: izimali ezihlangene noma izinkampani zokuphatha.

Inketho 5. Ukutshalwa kwezimali kwizakhiwo ezithengiswayo

Le enye inketho evumelana nomtshalizimali onolwazi kakhulu.

Izinto ezilandelayo zisebenza njengezindawo ezithengiswayo:

• izindawo zokuthengisa - izitolo, izitolo nezitolo ezinkulu;
• izindawo zokudlela, imigoqo nezinye izikhungo zokupheka;
• izikhungo zokuzijabulisa, ezemidlalo nezemfundo;
• izikhungo zehhovisi nezamabhizinisi;
• izinqolobane, ama-hangar, izindawo zokugcina;
• izakhiwo zezolimo.

Kuma-megalopolise, ukutshalwa kwezimali ehhovisi nasendaweni yokuthengisa kujwayelekile. Zifunwa kakhulu kosomabhizinisi abafuna indawo yokuqasha. Abanikazi bezikhungo ezinjalo, abazigcina zisesimweni esihle, bathola inzuzo ezinzile.

Impela ukuqasha kubhekwa njengendlela engcono kakhulu yokwenza imali ngokuthengisa izakhiwo. Le nketho ibonakala ngenani elikhulu lotshalo-mali lokuqala kanye nenkathi ende yokukhokha (okungenani iminyaka emihlanu).

Ithebula elingezansi lisiza ukuqhathanisa izinketho zokutshala imali zokwakha:

Uhlobo lwesakhiwo	Izici zokutshalwa kwezimali	Isikhathi sokubuyisela
1) Izakhiwo zokuhlala ezakhiwayo / izakhiwo ezintsha	Uma, ekupheleni kokwakhiwa, impahla iqashiwe, inzuzo izokwanda, kepha isikhathi sokubuyisela sizobe sesiphezulu	1-2 konyaka
2) Izindlu ezizimele, amakotishi asehlobo, amakotishi	Kubalulekile ukubheka indawo nengqalasizinda yale ndawo
3) Izikhungo zehhotela	Inketho ethembisayo yamadolobha amakhulu nezindawo zokubhuka	4-6 iminyaka
4) Indawo yokukhiqiza	Ilungele izimali ezihlangene, okungukuthi, izimali ezihlanganisiwe	8-10 iminyaka
5) Impahla yezohwebo	Kungcono ukuthi ube nolwazi lokutshala imali kwizakhiwo nezindawo	6-9 iminyaka

Ithebula likhombisa ukuthi inketho ethakazelisa kakhulu kumtshalizimali wangasese utshalomali lwezindlu, okungukuthi ukuthengwa kwamafulethi ezakhiweni ezintsha ngenhloso yokuthengisa kabusha.

5.1. Kuyinzuzo kangakanani ukutshala imali ekwakhiweni kwezindlu?

Isikhathi esilinganisiwe sokwakhiwa kwesakhiwo sokuhlala iminyaka engu-2. Ngalesi sikhathi, izindleko zezindawo zokuhlala ezikulo zikhuphuka cishe ngu-45-75%.

Kuyasiza konjiniyela ukuheha izimali kubatshalizimali. Lokhu kugwema ukubolekwa imali yasebhange futhi ngesikhathi esifanayo kuqoqwa inani elidingekayo lokwakha indlu. Ngakho-ke, ekuqaleni kokuthengisa, okuvame ukuwela ezigabeni zokuqala zokwakha, izindleko zezindlu okuncane.

Umehluko omkhulu kakhulu wentengo uyabonakala lapho kwakhiwa izindawo noma izakhiwo zokuhlala ezinkulu kakhulu. Izindawo ezinjalo zezindlu zakhiwa ngezigaba. Abathuthukisi babeka izindleko zokuqala zamafulethi ukuze bahehe igagasi lokuqala labathengi, futhi bakhe isithombe esihle.

Ngenxa yalokhu, ngokutshala imali kwizakhiwo ezisakhiwa, ngemuva kokufaka indlu ukusebenza, ungathola inani kabili utshalomali lokuqala... Ukuphela kwento engazisa abatshalizimali ukuthi ingoziukuthi ukwakhiwa kuzomiswa noma kumiswe ngokuphelele.

Kancane kancane, ngokuhamba kwesikhathi, izindleko zezindlu ziyenyuka njengoba ukwakhiwa kuqhubeka. Ochwepheshe bathole ukuthi ukwakhiwa kwesitezi ngasinye esengeziwe kwandisa inani lempahla cishe 3%. Ngakho-ke, lapho izimali zitshalwa ekuqaleni, inzuzo ethe xaxa izotholakala ngokuzayo.

Cabanga ngobuhle nobubi bokutshala imali kwizakhiwo ezisakhiwa.

Phakathi kwama-pluses (+) kukhona okulandelayo:

• izinga eliphezulu lenzuzo kanye nokuthengiswa kwemali;
• ukwethembeka - izindlu akuvamile ukuthi zibize (ikakhulukazi emadolobheni amakhulu);
• ukuphakelwa kwezinga eliphakeme, okusho ukukhetha okukhulu kwezindawo ezithengiswayo;
• izindlela ezahlukahlukene zokusebenzisa impahla ngokuzayo (ukuthengisa kabusha noma ukuqasha).

Kuvela ukuthi isivumelwano esisodwa esiphumelelayo sokutshala imali singaba nenzuzo iminyaka eminingi. NgokwesiboneloNgemuva kokuthenga indlu esakhiweni esakhiwayo kumakhi, umtshalizimali angayiqasha ngokuzayo. Ngenxa yalokho, uyathola imali engenayo, engakhawulelwe nganoma yisiphi isikhathi.

Le ndlela yokutshala imali nayo inezinkinga (-). Okuyinhloko ukuthi ukufunwa kwezindlu kunqunywa yizinto eziningi. NgokwesiboneloNgesikhathi senkinga, abaningi abawathengi amafulethi, banquma ukuhlehlisa umcimbi onjalo unomphela. Futhi kunengozi enkulu yokuthi ukwakhiwa kwesakhiwo sokuhlala kungamiswa yiqhwa (kumiswe) noma kumiswe ngokuphelele ngenxa yobunzima bezezimali konjiniyela.

Kepha kubalulekile ukuthi wazi ukuthi iningi lochwepheshe, ngokuqhathanisa ukutshalwa kwezimali ku-real estate okwakhiwa nezinye izindlela zokutshala izimali, liphetha ngokuthi liyingozi kangako kune, ngokwesibonelo, ukudlala kwi-stock exchange.

Izigaba ezilandelanayo zokutshalwa kwezimali ekwakhiweni

5.3. Ungatshala kanjani imali ekwakhiweni kahle - izigaba eziyisihlanu eziyinhloko

Noma yimuphi umtshalizimali uyazi ukuthi ukutshalwa kwemali ngokohlelo olulungiselelwe ngaphambilini kungakhuphula izinga lenzuzo futhi kunciphise ubungozi bokutshalwa kwemali. Ukutshalwa kwemali kumele kwenziwe ngokungaguquguquki, ngokuya ngecebo elithuthukisiwe. Kunezigaba ezinhlanu zale nqubo.

Isigaba 1. Ukukhetha unjiniyela

Isinyathelo esidingekayo nesibalulekile esigabeni sokuqala sokutshala imali ekwakhiweni ukuhlaziywa konjiniyela... Kubalulekile hhayi kuphela ukuthola igama lonjiniyela, kepha futhi nokucacisa ukuthi liyini idumela lakhe. Ochwepheshe batusa ukuthi kutshalwe imali kuphela kulawo maphrojekthi asakhiwa akhiwa yinkampani yokwakha eyaziwayo edolobheni.

Enqubeni yokukhetha unjiniyela, kubalulekile ukuthi ubheke:

• idumela lenkampani;
• zingaki izinto inkampani esezivele ziyisebenzisile;
• ukubuyekezwa;
• ukuthi inkampani inolwazi kangakanani ekwakhiweni okuyinkimbinkimbi;
• unjiniyela ongakanani abatshalizimali;
• ukusebenzisana nezikhungo zezikweletu (amabhange akhetha ngokucophelela ukuthi azosebenzisana nobani, ahlaziye kahle futhi angahlangani nabathuthukisi abanedumela elithandekayo);
• ukuthi umqambi uthobela ngokucophelela umthetho (isenzo esiyinhloko sokulawula umthetho wesifundazwe 214-FZ).

EMoscow nakwisifunda saseMoscow, ungathemba onjiniyela abalandelayo:

GK PIK Ungomunye wabathuthukisi abakhulu eRussia. Le nkampani yasungulwa ngonyaka we-1994, isebenzisa ngempumelelo imisebenzi emikhulu yokwakha kulo lonke elaseRussia. Kugxile ekwakheni kufinyeleleka izindlu. Eminyakeni yokusebenza, kwakhiwe amafulethi angaba yizinkulungwane ezingama-250 anendawo engamamitha-skwele ayizigidi eziyi-15. M. Ingelinye lamabhizinisi omgogodla emnothweni waseRussia.

А101 Intuthuko - inkampani yakhele cishe i-500,000 sq. zokuhlala ingcebo, kanye nezinkulungwane ezingaphezu kwama-50 - ezentengiso... Umakhi naye uyakha izinkulisa nezikoleukuxhumana nesabelomali. Ukubambisana sekusungulwe namabhange amakhulu amaningi ngaphakathi kohlaka lwezinhlelo zokubolekwa kwempahla. Umthuthukisi ufakiwe ku-TOP-5 esifundeni saseMoscow naku-TOP-15 kulo lonke elaseRussia.

Inhlokodolobha Group - inkampani ebhekana nomjikelezo ogcwele wemisebenzi yokwakha kusukela ekuhlaziyweni kweziza zokwakha kuya ekuqedeleni indawo ethengisiwe. Kuqediwe amaphrojekthi angama-71, okuholele ekwakhiweni kwamamitha skwele ayizigidi eziyi-7. izindawo. Izikhungo zale nkampani zabizwa ngamaphrojekthi ahamba phambili eMoscow naseMoscow.

Isigaba 2. Ukukhetha into yokutshala imali

Esinye isigaba esibalulekile sokutshala imali kwizakhiwo ezisakhiwa ukukhethwa kwento efanelekile... Indawo enhle ukuqala kuyo isendaweni lapho isidingo sendawo yokuhlala siphakeme kakhulu.

Lapho ukhetha into yokutshala imali, kubalulekile ukubheka le mingcele elandelayo:

• ingqalasizinda;
• ukusondela kwezitobhi zomphakathi neziteshi zikamasipala omkhulu;
• ezinye izici ezithinta izinga lenduduzo yokuphila.

Uma uhlela ukutshala imali kwizakhiwo ezithengiswayo, kufanele ucabange kusengaphambili ngenhloso yokugcina yomtshali-zimali. Kuzosiza futhi ukwakha uhlelo lwebhizinisi lochwepheshe.

Isigaba 3. Ukuqhuba izingxoxo

Lapho kukhethwa into yonjiniyela neyotshalomali. Ungaqala ukuxoxisana... Kubalulekile ukuqonda ukuthi ngokuhambisana nemithetho yezwe lethu, akunakwenzeka ukubhalisa amalungelo ezindlu ezakhiwayo.

Kodwa-ke, umtshalizimali unelungelo:

• dala isivumelwano ngokubandakanyeka kokulingana;
• ujoyine umfelandawonye wokwakha;
• bhalisa idiphozi yokutshala imali;
• phetha isivumelwano seminikelo yokwabelana.

Ochwepheshe beluleka ukuthi bagxile esivumelwaneni sokubamba iqhaza kwezemali.

Ngaphezu kwendlela yokubhalisa isivumelwano, kuyaxoxwa ngemibandela yokufakwa kwemali. Okuyinhloko ukutholwa kwe- izitolimende (ukukhokhwa kancane kancane) kanye nokufakwa kwemali kwemali yesikhathi esisodwa, kepha ezinye izinketho zingenzeka.

Isigaba 4. Ukuhlola imibhalo

Zonke izivumelwano ezenziwe kufanele zilandele umthetho osebenzayo. Ngeke kube yinto engadingekile ukuwahlola ngosizo lommeli ozimele. Abantu abaningi bacabanga ukuthi lokhu kungukuchitha imali. Kepha akunconywa ukonga ekuvikelekeni kokuthengiselana.

Isigaba 5. Isiphetho senkontileka

Isigaba sokugcina sokuthengiselana ngu isiphetho senkontileka... Ngaphambi kokusayina isivumelwano sokugcina. Kubalulekile ukutadisha ngokucophelela wonke amaphuzu alo.

Kulokhu, kufanele unake:

• lapho kuhlelwe ukuqeda ukwakhiwa;
• yiziphi izimo zokunqanyulwa;
• intengo kufanele ilungiswe, akufanele kube nemibandela lapho izoshintsha khona;
• izinhlawulo uma kwenzeka kwephulwa imigomo yesivumelwano kufanele zinqunyelwe iqembu ngalinye;
• phoqa izimo ezinkulu.

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Kubalulekile ukusondela ekuthengisweni kokuthengwa kwezakhiwo ezakhiwa ngenakekelwa okukhulu nomthwalo omkhulu. Kubalulekile ukukhumbula ukuthi kunezingozi ezingancishiswa ngokulandela ngokuqinile ukulandelana kwezigaba zokutshalwa kwemali.

5.4. Uyenza kanjani imali ngokutshalwa kwezimali ekwakhiweni - izindlela zokusebenza TOP-3

Umtshalizimali kufanele azi ukuthi yiziphi izindlela zokwenza imali ekuthengeni izindlu nomhlaba ezakhiwayo eziphephe kakhulu futhi ezifakazelwe kakhulu.

Indlela 1. Ukuqasha

Imali etholwa ngokudluliswa kwezakhiwo eziqashiswayo ingu- utshalomali lwesikhathi eside... Kepha le nketho inezinga elizinzile lenzuzo.

Isikhathi sokubuyiselwa kuleli cala siyedlula amahlanu ayisithupha iminyaka. Kepha ungakhohlwa ukuthi izindawo noma kunjalo zihlala ziyimpahla yomtshali zimali.

Emadolobheni amakhulu kunesidingo sokuqashwa kwezinhlobo ezahlukahlukene indawo yokuhlala: amafulethi okunethezeka osuku, amakamelo asezindaweni zokulala, ama-studio emindeni emisha nabanye.

Kucatshangelwa impahla yezohwebo, kungaphawulwa ukuthi ukufunwa kwayo kosomabhizinisi nakho kuphezulu ngokungaguquki. Izakhiwo ezisendaweni yamabhizinisi nezitolo zithandwa kakhulu emadolobheni amakhulu. Okuwukuphela kokwehluleka kwesikhala sokuhweba yisidingo sokutshala imali imali enkulu impela.

Ukuthengwa amafulethi imvamisa kwanele 1,5-2,5 ama-ruble ayisigidi. Uma uhlela ukutshala imali impahla yezohwebo, kuzothatha cishe Izikhathi ezi-2-3 isamba esikhulu.

Indlela 2. Ukutholwa kwefulethi elalisakhiwa elithengiswayo ngemuva kokuthunyelwa

Uma uthenga indawo esakhiwayo ukuze ithengiswe kabusha, ungayibuyisa imali oyitshalile ngokushesha - kakade ngemuva 1-2 konyaka... Ngokushesha lapho ukwakhiwa kwalesi sikhungo kuqediwe, kuba mnandi kakhulu kubatshalizimali. Abatshalizimali abanenhlanhla ikakhulukazi bathola imali engenayo ngonyaka owodwa ngenani le- 100% wezimali ezitshaliwe.

Kubalulekile ukuhlola ezinye izinketho futhi. Ungenza ukulungiswa kwekhwalithi efulethini eliqediwe. Njengomphumela wezenzo ezinjalo, izindleko zayo zizokwenyuka cishe ngekota.

Indlela 3. Ukubamba iqhaza ekutshalweni kwemali ngokuhlanganyela

Abatshalizimali abafuna izinketho eziphephe kakhulu zokutshala imali kwizakhiwo ezisakhiwa zingalulekwa sebenzisana nabalamuli... Kulokhu, ungaba yilungu iphrojekthi yokutshala imali ngobungcwetingaphandle kokuthenga ingcebo nhlobo. Ukwenza lokhu, kwanele ukujoyina isikhwama sokutshala imali esihlangene futhi uthole imali njengomnikazi wamasheya.

Kunezimali eziningana ezinokwethenjelwa ezisebenza eMoscow nasendaweni efaka imali kwizakhiwo. Kubandakanya ukwakhiwa:

Ukutshalwa Kwezimali E3 - lapha inani eliphansi ongalifaka 100 izinkulungwane ruble. Lapho inzuzo iqinisekisiwe ezingeni 25-90 iphesenti. Konke ukutshalwa kwezimali esikhwameni kunomshuwalense. Umtshalizimali angazikhethela ngokuzimela isikhathi sokubuyiselwa kwemali kusuka izinyanga eziyisithupha ngaphambi ezimbili iminyaka... Imali yabatshalizimali itshalwe ngochwepheshe kwizakhiwo ezinamanzi amaningi, umtshali-zimali udinga ukwenza inzuzo kuphela. Le nketho Ukuhola okungenziwanga ngenzuzo eqinisekisiwe kanye nezinga eliphansi lobungozi... Le nkampani inikeza ukwesekwa kolwazi, kanye nokubonisana kwamahhala kwabatshalizimali.

Sminex - inkampani itshala imali ezindlini eziqediwe, kanye nezinto ezisezingeni lokwakha. Inkampani iyazakhela izindlu, njengenkonzo eyengeziwe, abatshalizimali abayitholayo ukulungiswa kwamafulethi... Ngaphezu kwalokho, inkampani inakekela ukuthola abaqashi. Le nkampani yakha amakotishi, izakhiwo zokuhlala, izindawo zokuhweba. Ochwepheshe babiza inzuzo engenakuphikwa yenhlangano eyethulwayo ngokugxila ekufinyeleleni ikhwalithi ephezulu yezakhiwo ezisakhiwa, kanye nokuphepha kwabo ngesikhathi sokusebenza.

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Ngakho-ke, kunezindlela eziningana zokwenza imali kwizakhiwo ezakhiwayo. Awahlukile ezingeni lenzuzo kuphela, kepha nasemizameni ezodingeka kumtshali-zimali.

5.5. Izingozi eziyisi-4 ezinkulu lapho utshala imali kwizakhiwo ezisakhiwa

Noma yikuphi ukutshalwa kwezimali kunengozi yokulahlekelwa utshalomali lwakho. Ukuze unciphise amathuba okulahleka, kufanele ufunde kusengaphambili ukuthi yimaphi amaqhinga asetshenziswa ngabakhohlisi embonini yezezakhiwo, ukuthi yini okufanele wesabe lapho utshala imali ekwakhiweni.

Ingcuphe 1. "Ibhamu lensipho"

Indlela yokuqala yokukhohlisa abatshalizimali abakhohliseka ilula ngokwedlulele. Izinkampani ezindiza ebusuku zidayisela abatshalizimali abakhohliseka kalula inganekwane, hhayi empeleni ngaphansi kwezinto zokwakha. Wonke umsebenzi wokwakhiwa kwamasayithi wenziwa kuphela ukuphambukisa.

Imvamisa, amaphrojekthi anjalo ahlelwa futhi aphethwe ngosizo lwezinhlaka ezahlukahlukene zomthetho. Ngenxa yalokho, amadili avela ngaphandle abukeka ngokuphelele zomthetho... Kodwa-ke, lapho nje abakhohlisi beqoqa inani elanele lemali, bayanyamalala kanye neminikelo yabatshalizimali.

Indlela yokuqala yokubona i-bubble inani lempahla elingabhekiwe kakhulu. Umtshalizimali kufanele aqhathanise amanani nesilinganiso endaweni esetshenziswayo. Izindleko eziphansi kakhulu kufanele zixwayise.

Kubalulekile futhi ukwenza isiqiniseko sokuthi imininingwane emayelana nonjiniyela ikwi rejista esemthethweni. Zonke izinkampani zokwakha ezisebenzayo zifakiwe kuyo. Ngakho-ke, uma ifemu okukhulunywa ngayo ingekho kulolu hlu, akuyona inhlangano yangempela esemthethweni.

Ingozi 2. Ukuqothuka konjiniyela

Kunezizathu eziningi zokuthi kungani inkampani yokwakha ingabhanga:

• ukuphathwa okungasebenzi;
• ukusetshenziswa kabi kwezimali;
• ukuntuleka kwezezimali;
• izindleko eziphezulu.

Ngokwemvelo, ukuntuleka kwemali akuthinti kuphela inkampani yokwakha uqobo, kepha nabatshalizimali. Ukuze ungabhekani nenkinga enjalo, lapho ukhetha unjiniyela, kufanele ugxile koku inkampani enkulu, esivele ithumele inani elikhulu lezakhiwo ezakhiwe.

Ubungozi 3. Ukungalandelwa komnqamulajuqu wokulethwa kwezindlu

Enye inkathazo yokutshala imali kwizakhiwo ezisakhiwa isikhathi esinqunyelwe ukwakhiwa... Le ngozi ayimnandi neze kulabo abathenga izindlu nomhlaba ngosizo lwezimali zesikweletu. Umbolekisi akanendaba nokuthi impahla izofakwa nini, kubalulekile kuye ukuthi zonke izikweletu zikhokhwe ngesikhathi nangentshisekelo efanele.

Ochwepheshe bafinyelela esiphethweni sokuthi zonke izinsuku zokwehluleka ukuhlangabezana nesikhathi esinqunyiwe ziyadla 0,01% wemali engenayo yabatshalizimali. Ngokwemaphesenti, lokhu akukuningi. Kodwa-ke, ngokuya ngama-ruble kuvela inani elihle, ikakhulukazi lapho ukukhomishini kubambezeleka izinyanga ezimbalwa noma ngisho neminyaka.

Ubungozi 4. Phoqelela izimo ze-majeure, kanye nezinguquko ezingalindelekile emakethe ye-real estate

Lezi zimo futhi zingaholela ekulahlekelweni yingxenye yezimali zabatshalizimali. Isibonelo se-force majeure ngu ukuqala kwenkinga yezomnotho isikhathi eside... Ngenxa yalokhu, ukunikezwa emakethe yezindlu kungadlula kakhulu isidingo. Lesi simo siholela ekwehleni okukhulu kunani lempahla - kaningi ngo-10-20%... Noma ngabe isimo sesiphumile, abatshalizimali sebezolahlekelwa enye yemali yabo engenayo.

Futhi, isibonelo se-force majeure kungaba izinhlekelele zemvelo (imililo yehlathi, izikhukhula, ukuzamazama komhlaba), izimpi, izinhlekelele zezimboni. Ukuphela kwendlela yokuzivikela ezingozini ezinjalo umshwalense wezindlu ezisakhiwa.

Sincoma ukuthi ufunde okokusebenza kumshuwalense wasekhaya, ochaza amaphuzu abalulekile lapho uthatha umshwalense wefulethi noma indlu.

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Ngakho-ke, njenganoma yiluphi uhlobo lotshalo-mali, ukutshalwa kwezimali kwempahla esakhiweni kuhambisana nezingozi ezahlukahlukene. Ezinye zazo zingancishiswa ngokwenza ukuhlaziywa okuphelele kunqubo yokukhetha into yokuthenga. Kwezinye izimo, umshuwalense usiza ukugwema imiphumela emibi.

6. Izincomo ezisebenzayo zokwandisa imbuyiselo ekutshalweni kwezindlu real

Ngokutshala imali kwizakhiwo ezisakhiwa noma eziqediwe, noma yimuphi umtshalizimali ufuna ukukhulisa inzuzo yokugcina. Lokhu kungenziwa kusetshenziswa izindlela ezingezansi.

Isincomo 1. Yenza intuthuko futhi uyivume (uyenze ibe semthethweni)

Ukwakhiwa kabusha kwempahla yokuhlala - inketho elula kunazo zonke, ekuvumela ukuthi wenze izindlu zisebenze kangcono ngaphandle kokushintsha indawo ephelele. Uma wenza izinyathelo zokuthuthukiswa kabusha ngendlela efanele, ungakhuphula izindleko zefulethi noma indlu ngu-15-30%.

Ngasikhathi sinye, akufanele uthuthukise okungalungiswa.. Zonke izinguquko ezihleliwe kumele zibhaliswe neziphathimandla ezibhekene nalezi zinkinga. Namuhla ngumnyango wezakhiwo ku I-BTI, kanye nokuphathwa kwesifunda.

Kubalulekile ukwazi ukuthi umthetho uvimbela izinhlobo ezithile zezinguquko kusakhiwo, isib, kudilizwa izindonga ezithwala imithwalo, kanye nokunweba ikhishi kusetshenziswa indawo yokuhlala, kwandise usayizi walo ngaphezu kwekota.

Isincomo 2. Namathisela isikhala esingeziwe

Le nketho yokwengeza izindleko iyatholakala yezindlu ezizimele namakotishi... Lapho ungakha izitezi ezingeziwe, uguqule ama-attics ube ama-attics, wakhe uvulandi noma i-veranda, futhi wenze ezinye izinguquko zokwakha.

Incomo 3. Lungisa ikhwalithi

Uma wenza ukulungiswa kwekhwalithi, intengo yefulethi izokhuphuka cishe ngu-15-25%... Inzuzo izoba phezulu uma uzilungisa ngokwakho, utshala imali kuphela ekuthengeni izinto zokwakha.

Kubalulekile ukuthenga izinto ezisezingeni eliphakeme... Abathengi bangahle bahlukanise phakathi kwezinto ezisetshenziswayo ezisezingeni elihle nezishibhile zamaShayina.

Isincomo 4. Guqula indawo yokuhlala ibe yimpahla yezohwebo noma okuphambene nalokho

Njengoba usufunde isidingo se-real estate endaweni ethile, ungadlulisela impahla engeyona eyokuhlala endaweni yokuhlala futhi okuphambene nalokho. Ukwenza inzuzo kusuka ekuguqulweni kwendawo yokuhlala ibe ngeyentengiso kubalulekile emadolobheni amakhulu, ikakhulukazi ezifundeni zamabhizinisi nasemigwaqweni ehambekayo.

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Ngakho-ke, kubalulekile hhayi kuphela ukutshala imali kwi-real estate, kodwa futhi ngemuva kwalokho ukuzama ukukhipha inzuzo ephezulu kuyo. Nendlela yokwenza lokhu, sichaze ngenhla.

Izindlela zokutshala imali ku-real estate ngezimali ezinkulu

7. Ungatshala kanjani imali ethengiswayo ngezimali ezinkulu - izindlela ezi-3 zangempela 📄

Abantu abaningi bacabanga ukuthi imali eyanele iyisithiyo ekutshalweni kwezindlu, kepha akunjalo. Osomabhizinisi abakhaliphile bayakwazi ukuthola ngemali encane, futhi nokuheha ezinye izimali. Kunezindlela eziningi zokwenza lokhu.

Indlela 1. Ukukhulisa imali ebolekiwe

Indlela ethandwa kakhulu yokwandisa imali oyitshalile yile ukucubungulwa kwemalimboleko ngokuthengwa kwempahla. Namuhla amabhange amaningi ahlinzeka ngemali enjalo.

Ngendlela, besikhuluma ngokuthi singayitholaphi imali uma wonke amabhange kanye nama-microloans enqaba, sikhulume ngakho kwesinye sezihloko ezedlule zomagazini wethu.

Umtshalizimali kufanele acabangele iqiniso lokuthi noma yikuphi ukuboleka kuhlobene nenkokhelo iphesenti... Ngakho-ke, kubalulekile ukubheka izindleko ezingeziwe ngesikhathi sokuhlaziywa. Imali engenayo ehleliwe kufanele ifake inzalo yemalimboleko futhi inikeze inzuzo.

Ngemalimboleko, kufanele ufake isicelo ezikhungweni ezinkulu zezikweletu nge okuhle isithunzi.

Akudingekile ukuthatha imali mboleko ngenzalo. Izihlobo eziningi ezicebile ziboleka imali abantu ezibathandayo ngaphandle kwenkokhiso eyengeziwe.

Indlela 2. Ukuheha ababambisene nabo

Ilungele abatshalizimali abanemali eyanele - hlanganani... Kulabo abacabangele ngokucophelela iphrojekthi futhi bazoqinisekisa abanye ngokusebenza kwayo, ukuthola abalingani ngeke kube yinkinga.

Indlela 3. Ukukhetha isu elifanele

Noma yimuphi umtshalizimali uyakuqonda lokho ukuhlela okunekhono lokutshala imali kuyinto ebalulekile empumelelweni yabo. Labo abangenalo ulwazi lokutshala imali bangelulekwa ukuthi bafune usizo kubatshalizimali abanolwazi oluningi.

Amaqembu ahlukahlukene okutshalwa kwezimali ayisibonelo sokwesekwa kwekhwalithi kwabasanda kufika. Amaphrojekthi anjalo ahlanganisa abatshalizimali abadlulisela ulwazi lwabo kubaqalayo. Amakilabhu aqhuba amakilasi ahlukahlukene - izifundo namasemina, echaza ngokutshalwa kwezimali kwangasese. Ukunakwa okubalulekile kuyakhokhelwa nasekutshalweni kwezindlu.

Endabeni yokutshalwa kwezindlu kwempahla, kufundwa lezi zinkinga ezilandelayo:

• amasu;
• ungangena kanjani emhlabeni wokutshala imali ngemali encane;
• ukutshalwa kwezimali ezinhlotsheni ezahlukahlukene ze-real estate;
• ukuqasha nokuqasha.

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Ngakho-ke, imali enganele ayisona isithiyo ekutshalweni kwemali. Noma yimuphi umuntu onenhloso uzothola izindlela zokusebenzisa utshalomali olunenzuzo.

8.Usizo lochwepheshe lapho utshala imali kwizakhiwo ⭐

Usizo oluvela kubachwepheshe ayikho mahhala... Noma kunjalo, kuyasiza okuningi khuphula izinga lembuyiselo kutjalomali.

Kulabo abatshalizimali abafisa ukunciphisa izingozi, kodwa ngesikhathi esifanayo unikeze okuphezulu ngokwanele inzuzo, kungakuhle ukuthi ubambisane nochwepheshe emkhakheni wokutshalwa kwezindlu.

Kunezinkampani ezintathu ezisebenza ngale ndlela eRussia:

Ukutshalwa Kwezimali E3 unikeza ukutshala izimali isikhathi eside ezinhlotsheni ezahlukahlukene zempahla. Lokhu kuqinisekisa izinga eliphezulu lemali engenayo. Nanku umkhawulo omncane wokungena emakethe yezezakhiwo. Abatshalizimali bangafaka inani lama-ruble ayizinkulungwane eziyi-100 noma ngaphezulu.

Labo abafisa ukutshala imali kule nkampani bangathola ngokushesha izinga lenzuzo elindelekile. Ukuze wenze lokhu, vele usebenzise umshini wokubala kuwebhusayithi yakhe.

Iminikelo yenkampani yokutshala izimali ibonakala ngezinga eliphakeme lokuthembeka. Zonke izinhlobo zezimpahla zinezinhlobo ezintathu zomshuwalense.

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Activo inikeza ukufinyelela ezindaweni eziwuketshezi kakhulu. Ukuphepha kokutshalwa kwemali kuqinisekiswa ngobunikazi obuhlangene obuzimele. Lapho utshala imali evela kuma-ruble ayizigidi ezimbili, inkampani iqinisekisa inzuzo enanini le- 11,6%.

Umtshalizimali uthenga izakhiwo nezakhiwo futhi azidlulisele kubaphathi bezingcweti. Le nkampani inikeza amaklayenti ayo ukubika okugcwele njalo ngenyanga, futhi iqinisekisa nokuphepha kwezimali ezitshaliwe.

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Idwala likaGordon Ingabe i-ejensi yezezindlu enobukhona bamazwe omhlaba. Abatshalizimali, besebenzisa izinsizakalo zenkampani, bangafaka imali emahhotela, ezentengiselweni nasezindlini zokuhlala ezitholakala phesheya.

Izinsizakalo ezilandelayo zinikezwa futhi:

• ukuthenga amakamelo emahhotela, izikhungo zokupheka, izikhungo zezokwelapha, amahhotela amancane;
• ukutholwa kwempahla yabantu abaneminyaka yobudala yokuthatha umhlalaphansi;
• utshalomali lwezimali ebhizinisini elenziwe ngomumo emazweni amaningana omhlaba;
• ukubonisana nezingqungquthela ezinikezelwe kutshalomali olusebenzayo.

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Ngakho-ke, ukutshala imali kwi-real estate, awudingi ukuba nemali eningi nolwazi olubalulekile. Kwanele ukuphendukela kochwepheshe ukuze uthole usizo.

9.Imibuzo Ebuzwa Njalo (FAQ) 💬

Indaba yokutshalwa kwezindlu ingcebo enezici eziningi futhi kunzima ukuyiqonda. Ngakho-ke, abatshalizimali abaningi banemibuzo ehlukahlukene ngalesi sihloko. Ikakhulukazi kuyakhathaza newbies... Ake sizame ukuphendula imibuzo ethandwa kakhulu.

Umbuzo 1. Kukuphi okuzuzisa kakhulu ukutshala imali: kwi-real estate noma ebhange ukuthola idiphozi?

Imvamisa, abantu abangenalo ulwazi lokutshala imali, abanemali ekhangayo, bayazibuza ukuthi benzeni ngayo - bathenge ifulethi baliqashe noma balibeke ebhange ukuze lifake idiphozi?

Ake sithi umtshali-zimali ukhona 3 000 000 ama-ruble. Cabanga ngazo zombili izinketho zokutshala imali.

1. Uma ufaka imali ebhange ngo-10% ngonyaka, ungathola ezinyangeni eziyi-12 300 ama-ruble ayizinkulungwane, uma imigomo yediphozi ingahlinzeki ngofeleba. Mayelana nokuthi yiluphi uhlobo lwemali oyinzalo kwi-akhawunti yediphozithi nokuthi ungayibala kanjani idiphozi enogcwaliso kanye nokwenza ofeleba ngokwakho, funda i-athikili ehlukile kumagazini wethu.
2. Manje ake sithi umtshalizimali uthenge ifulethi elinekamelo elilodwa eMoscow ngezimali anazo. Ngokuyiqasha, uzothola ama-ruble ayizinkulungwane ezingama-25 ngenyanga. Ngenxa yalokho, ngonyaka inani elifanayo lizongena 300 izinkulungwane ruble.

Uma kuqhathaniswa lezi zinketho ezimbili, umuntu akufanele akhohlwe iqiniso lokuthi esimweni sokuqasha, izindleko ezengeziwe ziyavela - ngezikweletu zomsebenzi, izintela, ukulungiswa nabanye. Ngaphezu kwalokho, kuzofanele usebenzise isikhathi esiningi ubheka indawo efanelekile, uxazulula abaqashi.

Kungabonakala sengathi amadiphozi anenzuzo enkulu kakhulu kunokuthenga ifulethi ngokuqasha okulandelayo. Kepha lokhu akulona iqiniso ngokuphelele; sihlaziya isibonelo, asizange sinake ubukhona bokwehla kwamandla emali. Ukwehla kwezimali kancane kancane kudla ukonga.

Ngesikhathi esifanayo, kufanelekile ukucabangela umthetho obalulekile wokutshala imali - awukwazi ukuthembela idatha esemthethweni esilinganisweni sokwehla kwamandla emali. Eqinisweni, imali yehla ngokushesha okukhulu.. Kuvela ukuthi esimweni esihle kakhulu, inzalo yediphozithi izofaka ukwehla kwamandla emali, kepha akunakwenzeka ukuthi kuzokwazi ukwenza imali kulolo tshalo-mali.

Ngasikhathi sinye, amanani entengo yempahla awavamile ukwehla. Esikhathini eside, inani lalo liyakhuphuka. Futhi, ukuqasha kuyaqhubeka kubiza kakhulu.

Ngakho-ke, kuvela ukuthi uma ucubungula isikhathi esifushane kumadiphozi, ungathola imali ethe xaxa. Kodwa-ke, unikezwe iqiniso lokuthi amafulethi ayabiza kakhulu, kungaphawulwa ukuthi izindlu ezithengiswayo zisiza ukumelana ngempumelelo nokwenyuka kwamandla emali.

Umbuzo 2. Hlobo luni lwe-real estate olunenzuzo enkulu ukuqasha: indawo yokuhlala noma ezentengiselwano?

Abanye abatshalizimali bahlaziya ngamabomu imakethe yezezakhiwo ukuze baqonde ukuthi yiziphi izakhiwo ezinenzuzo enkulu yokuziqasha - zokuhlala noma ezentengiso... Ngokuvamile, akunakwenzeka ukuphendula lo mbuzo ngokungagudluki, ngoba kunezingozi zokuhweba nezezezimali emakethe.

Kubatshalizimali abakhulu, kuvame ukukhetha ukuthi izindlu ezithengiswayo... Ochwepheshe bakholelwa ukuthi izimali ezinjalo zikhokha ngokushesha okukhulu. Kodwa-ke, ngenxa yokucaca kwabo, kunzima kakhulu kwabaqalayo.

Ngokuphathelene indawo yokuhlala, kunenzuzo yokuyiqashisa kulabo abayitholile ngaphandle kwezindleko zemali, isibonelo, ngefa noma njengesipho. Lapho uthenga indawo enjalo, izokhokha isikhathi eside kakhulu.

Kufanele ukuqondaukuthi ukutshala imali kwizakhiwo ezithengiswayo kuyingozi impela. Lokhu kungenxa yokuthi bathonywe kakhulu yisimo somnotho wezwe, isibonelo, ukuqala kwesikhathi sezinkinga.

Ukutshalwa kwezimali ekuthengisweni kwezezakhiwo kungaphansi kwezinye izinhlobo zobungozi okunzima ukuziphendulela. Ngenxa yalokhu, amaphutha angenziwa ngenkathi kubalwa imali edingekayo, ekugcineni ezoholela ekwandeni kwamathuba okuthenga into enamanani aphansi. Ukutshalwa kwezimali okunjalo ngeke nje kuphela yenza inzuzokodwa futhi kuhlanganisa ukulahlekelwa okuphawulekayo.

Kodwa-ke, uma kukhulunywa ngobudlelwano bezezimali, kungaphawulwa ukuthi esimweni sempahla ethengiswayo, bazinzile kakhulu kunabanikazi bezindawo zokuhlala nabaqashi babo. Lapho wenza isivumelwano sokuqashiswa kwezindlu ezithengiswayo, umqashi unesifiso sokukugcina kusesimweni esifanele. Lokhu kungenxa yokuthi impela isimo sezindawo lapho kwenziwa khona ibhizinisi sakha umbono wamakhasimende mayelana nenkampani... Abaqashi abavamile ukuzama ukubagcina besesimweni esihle kakhulu.

Udaba lwemali engenayo etholwe ngokuqasha izinhlobo ezahlukene zezakhiwo luyehluka. Wonke umuntu uyazi ukuthi uma kuqhathaniswa izakhiwo zendawo efanayo, izakhiwo zentengiso ziletha imali engenayo kakhulu kunaleyo yokuhlala.

Qaphela! Lapho uthenga indawo, umtshalizimali kufanele ahlaziye, yini imali engenayo engaba khona ezokuletha... Lokhu kuyiqiniso ikakhulukazi kulezo zinto esezivele ziqashiwe. Kungenzeka ukuthi wenze isibikezelo senzuzo yempahla ngesikhathi itholwa.

Kufanele futhi uqhathanise imizamokuyadingeka ukuphatha izakhiwo eziningi. Ngokwemvelo, izinto indawo yokuhlala (noma ngabe ziningana zazo futhi zitholakala ezingxenyeni ezahlukahlukene zedolobha) kulula kakhulu ukuzilawula kune, ngokwesibonelo indawo yokuhwebaihlukaniswe yaba izingxenye futhi yaqashiselwa osomabhizinisi abaningana. Kubaluleke kakhulu ukuthi izindlu ezithengiswayo ziqashwa isikhathi eside kakhulu kunezindlu zokuhlala.

Abanye abatshalizimali bazophikisa ukuthi namuhla ukuphathwa kwempahla kungadluliselwa ezinhlanganweni ezikhethekile. Kepha lokhu futhi kudinga olunye utshalomali lwezezimali.

Yisiphi isiphetho esingafinyelelwa kulokhu?

Ngakho-ke, kunenzuzo enkulu ukuqasha izindlu ezithengiswayo. Kodwa-ke, lokhu kudinga ukutshalwa kwezimali okuphawulekayo nemizamo evela kumtshali-zimali, kanye nolwazi lwekhwalithi ephezulu yezimo zemakethe uqobo.

Ukutshalwa kwezimali ezindlini zokuhlala kungatholwa yingxenye ebanzi yabatshalizimali. Kudingeka imali eningi engaphansi kwemali kulokhu. Ngasikhathi sinye, lezo zakhiwo zingaba ngumthombo wokusebenza imali engenayo ezinzile isikhathi eside kakhulu.

Noma kunjalo, abatshalizimali abanolwazi oluncane lokutshala imali kwizakhiwo banganikezwa izeluleko ezibalulekile. Ngaphambi kokwenza ukukhetha okuvuna noma iyiphi impahla, kufanelekile ukuthi uhlaziye konke ongakwenza, unake izindlu nezindlu zokuhlala.

Umbuzo 3. Ungayithenga kanjani impahla ngamanani aphansi ngangokunokwenzeka?

Akekho ongabazayo ukuthi ingcebo iyindlela enenzuzo yokutshala izimali. Kodwa-ke, kunezindlela zokwandisa ngokuphawulekayo umugqa wakho ophansi. Ukwenza lokhu, ungasebenzisa amathiphu wokuthi ungayithenga kanjani impahla ngendlela eshibhile ngangokunokwenzeka. Ngokuhlanganiswa okuhle kwezimo, ungonga mayelana 30% wezindleko.

Ake sicabangele ongakhetha kukho:

1) Sixoxe kabanzi ukuthengwa kwezakhiwo ezakhiwa... Ukutshalwa kwemali okunjalo kunenzuzo futhi kunenzuzo enhle ekutshalweni kwemali. Kodwa-ke, izinga lobungozi kuleli cala liphakeme kakhulu.

Ngeshwa, kungenzeka ukuthi ukwakhiwa kwendlu ngonjiniyela ngeke kuqedwe ngosuku olubekiwe. Ngaphezu kwalokho, kunezimo lapho izindlu zingakafakwa iminyaka eminingi. Ezimweni ezinjalo, imvamisa akucaci ukuthi umsebenzi wokwakha uzophothulwa nhlobo.

Emadolobheni amaningi amakhulu kunezinhlangano eziningana zabatshalizimali bezezakhiwo abakhohlisiwe. Laba bantu, ngezizathu ezahlukahlukene - ngezidingo zomuntu noma ngenhloso yokutshala imali - bathenga amafulethi ezakhiweni ezakhiwayo, kepha ekugcineni yahlala emgodini ophukile... Ukumangalela inkampani yokwakha kungaba yinkohliso, ikakhulukazi uma izitshela ukuthi inemali.

2) Enye indlela yokwehlisa inani lotshalo zimali ukuthengwa kwempahla ngaphandle kokuvuselelwa... Umtshalizimali utshala imali ekuqedeni umsebenzi, ngemuva kwalokho intengo yesakhiwo ikhuphuka ngokushesha. Ngenhlanganisela ephumelelayo yezimo, ukulungiswa kwekhwalithi ephezulu usebenzisa izinto zomsindo, ungathola ngokushesha 15% ifikile.

3) Abatshalizimali abanolwazi emakethe yezezakhiwo basebenzisa izindlela ezithokozisayo zokonga imali ekutholakaleni kwento yokutshala imali. Isibonelo, eziningi zazo thola ingcebo edliwe ngezizathu ezahlukahlukene, ifakwe endalini.

Uma kwenzeka ukuthi abantu nezinkampani kuthiwe sebephelelwe yimali, labo ababakweletayo banesifiso sokubuyisa imali okufanele bayikhokhelwe ngokushesha okukhulu. Ngakho-ke, impahla yababhangi ngokuvamile ifakwa endalini kakhulu amanani aphansi kakhulu... Mayelana namathenda nezindali zokuqothuka, sabhala i-athikili ehlukile.

4) Mayelana nokuvela kwenani elikhulu lokungakhokhelwa kwempahla ebanjiswayo kanye nezinye izinhlobo zemalimboleko eyimbambiso, izinhlangano zezikweletu zivame ukumangalela amakhasimende azo ngempahla ezisebenza njengesiqinisekiso sokubuyiselwa imali ngaphansi kwenkontileka. Izakhiwo ezinjalo nazo zithengiswa ngu amanani ehlisiwe, ngoba amabhange anentshisekelo ekubuyiseni kwezimali zawo.

Ungazibheka kuphi izinhlinzeko ezinjalo:

Ku-Intanethi, ungathola amasayithi akhethekile aqoqa imininingwane ngokuthengiswa kwezinto ezithengiswayo ezithathwa kwabakweletwayo, kanye nokumangalelwa njengesibambiso. Imvamisa, abatshalizimali lapha bathola izinketho ezinhle kakhulu zokutshala imali.

Ngaphezu kwalokho, imininingwane ngokuthengiswa kwezinto ezithenjisiwe kanye nezimpahla ezithathiwe zezindlu zezinhlangano ezisemthethweni itholakala kwirejista efanele yokuqothuka kwazo.

Umbuzo 4. Yiziphi izincwadi ezimayelana nokutshalwa kwezindlu ezithengisa izindlu okufanele kufundwe i-newbie?

Noma yimiphi imibuzo ephathelene nomkhakha wezezimali idinga ulwazi oluthile kubantu ababhekene nabo. Ngakho-ke, kubalulekile ukutadisha izincwadi ezikhethekile ngesihloko osithandayo. Ukutshalwa kwezimali kwizakhiwo akuhlukile.

Incwadi 1. URobert Kiyosaki "Investment Real Estate"

Abatshalizimali abaningi abangochwepheshe bakholelwa ukuthi uRobert Kiyosaki yincwadi engcono kakhulu ekutshalweni kwezindlu. Ibizwa ngokungenamsebenzi - "Izimali kanye Nezakhiwo".

Okuqukethwe komsebenzi kwehlukile. Waziwa emibuthanweni yezezimali, uKiyosaki wahlanganisa ochwepheshe abangama-22 abasebenza emkhakheni wokutshalwa kwezindlu. Umphumela uyincwadi equkethe okungaphezu nje kwesisekelo sombono sokutshala imali kwizakhiwo.

Futhi kulo msebenzi kunenani elikhulu lamathiphu angalahlekelwa ukuhlobana kwawo, nezinye izindaba ochwepheshe abelana ngazo nomfundi.

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Incwadi yesi-2. U-Eric Tyson "Ukutshalwa Kwezakhiwo Nezindawo Zamadummies"

Le yincwadi ephelele yama-newbies emkhakheni utshalomali ingcebo. Ngendlela efinyelelekayo, isitshela ukuthi ungayitshala kanjani imali ngokunenzuzo nangendlela efanele.

Umsebenzi uqukethe imiyalo eningiliziwe, ehlelwe kahle ngokuthi yiziphi izinto oqalayo okumele azithathe.

Noma ngubani, noma engafundile ngezezimali, angakhipha imininingwane eminingi ewusizo encwadini ngokuyifunda kalula.

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Incwadi 3. McElroy K. "The ABC of Investment in Real Estate"

Le ncwadi ilungele labo abajwayelene nokutshala imali kancane. Kuzokusiza ukuthi ufunde kabanzi mayelana nokuthi ungasebenza kanjani nezinto zokutshala imali.

Umfundi uzofunda ukuthi angayikhetha kanjani impahla enenzuzo enkulu, ukuthi angasebenza kanjani nenani elikhulu lemininingwane edingekayo nemibhalo.

Ukubaluleka okukhulu kumkhiqizo kunikezwa ukuthi ungayikhulisa kanjani inzuzo.

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Incwadi yesi-4 u-Alexey Durnev “Ukutshala imali kwizakhiwo nezindlu. Ungayenza kanjani imali ngaphandle kwemali yokuqalisa emalini yabanye abantu "

Le ncwadi kufanele ifundwe yilabo abangasafisi ukuzingela nge-penny. Akukho gama lapha mayelana nokuthi ungaceba kanjani futhi uxazulule izinkinga zezezimali ezinsukwini ezimbalwa.

Esikhundleni salokho, lo msebenzi uqukethe imininingwane ewusizo yokuthi ungatshala kanjani imali kwi-real estate ngaphandle kokufaka engozini yokulahlekelwa yimali yomuntu siqu.

Ibuye ichaze ukuthi ungayithola kanjani inzuzo enhle kulolo tshalo-mali.

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Incwadi 5. UMcLean Andrew James no-Eldred Gary W. Investing in Real Estate

Le ncwadi isitshela ukuthi yiziphi izindlela ezikhona ngaphandle kokubuyisela kabusha imali yokwenza imali ekutshalweni kwempahla.

Ngemuva kokufunda, umtshalizimali uqala ukubona ukuthi kunezindlela eziningi zokwenza imali ngokwenza imisebenzi enjalo.

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Ngakho-ke, ukutshalwa kwezindlu kuyindlela ethembisayo yokwenza imali engenayo. Akukhathalekile ukuthi umtshalimali unamalini. Ezweni lesimanje lokutshalwa kwemali, ungaqala nokuhola ngokutshalwa kwemali okuncane.

Noma kunjalo, kubalulekile ukuzibandakanya njalo ekuzifundiseni, zama ukuthola imininingwane eningi ngangokunokwenzeka.

Ekupheleni kwendaba, sincoma ukuthi ubuke ividiyo emayelana nokutshala imali kwizakhiwo (izindlela, ubuhle nobubi bokutshala imali)

Futhi ividiyo - "Ungayakha kanjani imali engenakuqedwa emakethe yezezakhiwo":

Yilokho okwanamuhla. Impumelelo futhi inenzuzo yokutshala izindlu nomhlaba!

Uma unemibuzo noma imibono ngesihloko sokushicilelwa, bese ubashiya kumazwana angezansi. Kuze kube ngokuzayo ekhasini likamagazini wethu online "Imibono Yempilo"!

Bukela ividiyo: modern property Mogadishu (Juni 2024).