Ukutshala imali kuzindlu ezithengiswayo kwabaqalayo: Ungaqala kanjani

Lokhu okuthunyelwe kuqukethe izixhumanisi ezihambisana nemikhiqizo esiyisebenzisayo nesiyithandayo futhi ezisisiza sikhulise i-Clever Girl Finance! Sicela ubheke ukudalulwa kwethu ukuze uthole ulwazi olwengeziwe.

Ukutshalwa kwezimali okuningi kwesimanje kulula ukuphatha. Ungathenga isitoko noma isabelo esikhwameni senkomba futhi usibambe iminyaka eminingi. Futhi nakuba lena ngokuqinisekile kuyindlela elula nehlakaniphile yokutshala imali, akuyona yodwa.

Izindlu ezithengiswayo ziyindlela ekhangayo yabatshalizimali abangaba abatshalizimali abafuna ukutshala imali kokuthile okuphathekayo nokuphathekayo. Kuyavunywa, akuyona indlela elula futhi kungaba khona umqansa wokufunda lapho uqala.

Kodwa imivuzo ingaba nenzuzo enkulu, futhi uma “ukuba i-real estate mogul” isohlwini lwakho lwamabhakede, kufanele uqale ndawana thize!

Ake sihlole ezinye zezinto ezibalulekile okufanele uzazi uma ucabangela ukutshalwa kwezindlu nezakhiwo kwabaqalayo.

Yiziphi izinzuzo zokutshala izimali ku-real estate?

Izindlu ezithengiswayo ngokomlando bezingenye yezindlela ezingcono kakhulu zokuceba. Eziningi zalezi zakhiwo ziyatholakala ukuze zithengwe Osozigidi banamuhla bakholelwa ukuthi kusewutshalomali oluhlakaniphile.Ungakwenza ngezizathu eziningi ezahlukene.

Ukutshalwa kwezimali kwezakhiwo kungaba yindlela enhle yokuhlukanisa nokukhulisa iphothifoliyo yakho.Akufanele uzame ukubeka wonke amaqanda akho kubhasikidi owodwa.Kunesizathu esenza "lesi seluleko sizanywe futhi sivivinywe."

Umnotho uyinkimbinkimbi futhi unezingxenye eziningi ezihambayo. Kuhlale kunethuba lokuthi ezinye izimakethe zizophahlazeka, kanti ezinye zingase ziphumelele. Ukuchayeka ezimakethe eziningi kungakusiza ukukuvikela ezingozini ezingaba khona.

Okwesibili, ungaba ngumnikazi wempahla ephathekayo ezobonga ngenani ngokuthenga izindlu ezithengiswayo. Nakuba ngiwuthanda umuzwa wokungena kuphothifoliyo yami futhi ngibukele inani lezitoko zami likhuphuka, kungaba yinto engabonakali kakhulu. Isikhalo sokuba nezimali ezitshaliwe ongazivakashela futhi uzithuthukise kuyinto engiyithola ithandeka.

Ngenxa yokuthi abantu bahlale bedinga indawo yokuhlala, izindlu ezithengiswayo zivame ukugcina inani lazo inqobo nje uma zigcinwe kahle futhi zitholakala endaweni ekhangayo.

Impahla ivumela ukuguquguquka okukhulu. Izinketho zakho zifaka ukuqasha, ukuthengisa, ukuhlukanisa iziqephu, ukuklama kabusha, nokusebenzisa indawo yakho. Ngale ndlela, uzokwazi ukusabela ngokushesha ezinguqukweni zesimo somnotho futhi wenze ukutshalwa kwezimali kwakho kukusebenzele.

Nokho, kubalulekile ukukhumbula ukuthi kunezinto ezithile okufanele uziqaphele. Kungenzeka ukutshala izimali ezithengiswayo, ezingabiza futhi zidle isikhathi 2008. Ukuphahlazeka kwemakethe yezindlu Umfanekiso: Ayiphephile neze.

Kufanele uqaphele lapho uqala ukutshala izimali ku-real estate, ikakhulukazi kubatshalizimali abasaqalayo. Ungazifaki kakhulu ngokwezimali futhi ungangeni ezikweletini.

Kunezindlela eziningi zokutshala imali ku-real estate kwabaqalayo.

Ayikho indlela eyodwa yokutshala imali ku-real estate, ngakho-ke ungakhathazeki: akudingeki ukuthi uzibophezele ekuthengeni yonke indawo yokuhlala ngokushesha! Kwabaqalayo, nazi izindlela ezine zokutshala izimali ku-real estate.

Ukuba nekhaya eliqashisayo

Ake siqale ngendlela yakudala yokuthenga indawo bese siyiqashisa kubaqashi. Ungathenga noma yiluphi uhlobo lwesakhiwo, kusukela ezindlini zomndeni owodwa kuya ezindaweni zokuhlala zemindeni eminingi, izakhiwo zentengiso noma izindawo zokugcina impahla. Ngemva kwalokho ungakwazi ukuyiqashisa kubaqashi. Ungase futhi ube umnikazi wendawo uma ufuna ukuthola ulwazi olusebenzayo.

Inkampani yokuphatha izakhiwo ingaqashwa ukuthi inakekele ukusetshenzelwa kosuku lwakho uma umgomo wakho kuwumholo ongenzi lutho. Lokhu ngeke kunciphise inzuzo yakho kuphela, kodwa futhi kuzokongela isikhathi nokucindezeleka.

Abantu abaningi bathanda ukwenza "ama-hacks ezindlu," lapho bethenga khona indlu, i-duplex, noma olunye uhlobo lweyunithi yemindeni eminingi bese behlala endaweni eyodwa ngenkathi beqasha enye.

Lokhu kuzokuvumela ukuthi wenze izinkokhelo zezindlu ngokushesha, noma ukhokhe zonke izindleko ngokugcwele ukuze uhlale lapho ngokukhululeka.

Ukuqasha ikhaya kuyindlela enhle yokuthola imali eyengeziwe

• Abaqashi bakhokhisa irenti engaphezu kwaleyo abayichitha ezindlekweni
• Ukwazisa kwempahla: Ukuthengisa ngentengo ephakeme kunaleyo oyikhokhele impahla ngesikhathi ikhuphuka ngenani.

Ukuba nesakhiwo esiqashisayo kunezinzuzo eziningi

• Ukuqoqwa kwesitokwe kuyimpahla yesikhathi eside engakhula ngenani el tiempo.
• Abaqashi bakho cishe bazokhokha nyanga zonke, okungakusiza ukuthi ukhiqize ukugeleza kwemali okuzinzile.
• Ukuvumelana nezimo ukuthengisa noma ukuqasha indawo ukuze usebenzise enye uma kunesidingo

Ububi bokuqasha ikhaya

• Cabanga ngengozi: indawo ingase ingaqashi ngokushesha, kungase kube nomonakalo noma impahla ingase ilahlekelwe inani
• Phatha ukuhlelwa kwabaphathi babaqashi
• Ukulungisa, izintela zezakhiwo kanye nomshwalense kuyisibopho sakho.
• Ukuthengisa umuzi kungase kubize futhi kudle isikhathi.

I-Reit Investment Fund

Indlela elula yokutshala imali ku-real estate ngokusebenzisa ama-REIT, okuyindlela enhle yabaqalayo. I-REIT imele "i-Real Estate Investment Trust."isikhwama sokutshala izindlu".

Lezi ngokuvamile izinkampani eziphethe, noma ngezinye izikhathi eziphethe, izinhlobonhlobo zezindlu ezithengiswayo, njengezibhedlela, izindawo zokugcina izimpahla, izindawo zokuthenga, nezakhiwo zokuhlala.

Ama-REIT amaningi angadayiswa esidlangalaleni. Lena yindlela izimali ezenziwa ngayo ukuba zitholakale kubatshalizimali abafana nawe. Khetha phakathi Kunezinhlobo eziningana zama-REIT Ungathenga amasheya amaningi ngokuthanda kwakho. Isabelo esisodwa ngokuvamile ishibhile kuno-$100, kanti amanye aphansi njengo-$5, okuwenza athengeke.

Yenza imali ngama-REIT

• Emalini engenayo ye-REIT oyitholayo, izabelo zikhokhwa emasheya akho, ngokuvamile njalo ngekota.
• Ungathengisa amasheya akho ngaphezulu kwalokho obukukhokhe ekuqaleni

Izinzuzo kanye nokubi kwama-REIT

• Ukufinyelela okulula-Ungathenga amasheya e-REIT cishe kunoma iyiphi inkundla yokutshala imali
• Ukusebenza okuhle kakhulu phakathi neminyaka Ngesivuno esiphezulu
• Ukuhlukahluka: Ama-REIT ngokuvamile aphethe izakhiwo eziningi ezahlukene futhi utshalomali lwakho lukuvumela ukuthi uthole ingxenye yemali engenayo kuzo zonke.
• Akudingekile ukuba wenze noma yimuphi umsebenzi noma engozini yokulahlekelwa impahla yakho.
• Ungaqoqa ngemali etholakalayo. Ungakwazi futhi ukuthengisa amasheya, njengezitoko ezivamile.

Izinzuzo zama-REIT

• Awubandakanyeki ngokuqondile ebhizinisini lezindlu ezithengiswayo.
• Kuyafana nokutshala imali esitokweni.
• I-REIT ayikuniki noma yikuphi ukulawula phezu kwempahla yayo ethile
• Ayikho indlela yokuqinisekisa ukuthi utshalomali lwakho ngeke luhambe kabi.

I-House Flipping

I-house flipping ingenye indlela yokuba ngumnikazi wendawo. Akuhloselwe ukuba ube utshalomali oluphethe abaqashile noma ukwengeza izakhiwo kuphothifoliyo yakho yezindlu ezithengiswayo. Kungaphezulu kwephrojekthi yesikhashana.

Abanikazi bezindlu nezindlu abafuna ukuguqula amakhaya abo noma ezinye izakhiwo bangachitha isikhathi bezilungisa ukuze banyuse inani lazo. Babe sebebeka indlu emakethe ngentengo ephezulu. Ama-"flips" afanelekile yizimo zesikhashana ezingathengiswa ngokushesha ukuze zithengeke kakhulu.

Yenza imali ngokushintsha izindlu

• Lesi sivumelwano silula: thengisa indlu futhi wenze inzuzo

Kunezinzuzo kanye nokubi kwezindlu eziphephukayo

• Kulabo abathanda lesi sici, thola ukusebenza ngendlela eyeqisayo.
• Amandla okwenza inzuzo ephezulu-Isilinganiso senzuzo yonke: $65.000Nokho, lokhu akubandakanyi izindleko. Lezi zingashintshashintsha kakhulu.
• Lokhu kulungele abantu abanolwazi olufanele kanye nokuxhumana ekwakhiweni, ukupenda noma ukufaka amapayipi.
• Kungaba ukuzibophezela konyaka owodwa noma okufushane (kodwa akusona isiqinisekiso).

Kunezinkinga zokuthengisa izindlu.

• Ubungozi obuningi bezezimali: impahla ingabiza kakhulu ukuyilungisa kunalokho obekulindelwe futhi ibe umgodi wemali kuwe
• Akuyona imakethe yomdayisi.Ukuthengisa kungathatha isikhathi eside futhi kubize izintela noma amasevisi.
• Ukuvuselela nokulungiselela ukuthengisa ikhaya kuthatha isikhathi esiningi nomzamo.
• Imali ngeke ibe manzi ize idayiswe
• Uma ungenawo amakhono okuqinisekisa ukuthi umsebenzi wakho wenziwa ngokushesha nangendlela efinyelelekayo, cishe akuwona umqondo omuhle.

I-Real Estate Crowdfunding

Le ndlela eyingqayizivele yintsha emhlabeni wokutshala izindlu nomhlaba. Ngokusebenzisa i-real estate crowdfunding I-Fundrise ne-RealtyMogul yizibonelo ezimbili zamapulatifomu.Ungatshala futhi kumaphrojekthi wezindlu ezithengiswayo lapho abathengi befuna ukubolekwa imali. Lezi zinkundla zihlola abathengi futhi zethule amaphrojekthi ukuze nje uqinisekise ukuthi asemthethweni.

Kunezinhlobo ezimbili ze-crowdfunding yezindlu ezithengiswayo Ukutshalwa kwezimali esikweletini noma imali yokulingana. Nakuba kungase kubonakale kuxakile ukucabangela ukutshala imali esikweletini, umqondo oyisisekelo wukuthi utshale imali ebolekiwe yomuzi bese uthola ingxenye elinganayo yenzalo lapho imali oyibolekile isiphelile.

Ungakwazi futhi ukutshala imali ngqo esakhiweni futhi uthole isiteki sokulingana. Kulesi simo, ngokuvamile uzothola ingxenye yemali engenayo ekhiqizwa isakhiwo.

Amaphrojekthi e-crowdfunding ayisinyathelo esingaphezulu kwama-REIT ezicini eziningi. Okokuqala nje, inani elincane lokutshalwa kwezimali elidingwa izinkundla eziningi zokuqoqa imali ngu-$1000 kuya ku-$5000.

Uzotshala imali kuphrojekthi eyodwa, esikhundleni sephothifoliyo yezakhiwo ezinhlobonhlobo. Lokhu kwenza impumelelo noma ukwehluleka kwesakhiwo kube ingozi kancane.

Zuza imali nge-real estate crowdfunding

• Uzothola izinzuzo noma inzalo evela kunzalo yobunikazi bakho, ngokuvamile eba njalo ngekota
• Ngemva kwesikhathi esimisiwe, ungakwazi ukuthenga amasheya noma "ukukhipha imali" ukuze uthole isabelo sakho.
• Uzoba nelungelo lengxenye yenzuzo uma isabelo sakho sibanjiwe

I-Crowdfunding inezinzuzo

• Ikuvumela ukuthi ubambe iqhaza kumaphrojekthi amakhulu wezindlu namadola angamakhulu ambalwa kuphela
• Iphrojekthi ngayinye ihlolwa ngokuningiliziwe futhi ungakhetha ukuthi ufuna ukutshala malini.
• Ukuqonda amagama emalimboleko kanye nezakhiwo kungenza kube lula ukuqonda i-prospectus yomsebenzi ngamunye. Ungasebenzisa lolu lwazi kumaphrojekthi akho esikhathi esizayo

Ububi be-crowdfunding

• Yindawo entsha futhi engahloliwe, futhi ayikho idatha yezibalo emashumini ambalwa eminyaka.
• Iqinile ngoba awukwazi ukulawula impumelelo ye-investimenti yakho.
• Kungathatha iminyaka engaphezu kwemi-5; Akwenzeki njalo ukuqoqa.

Ngakho lezo izinketho ezine. Kungenzeka ukwenza i-crowdfunding kanye nama-REIT ku-inthanethi uma unentshisekelo. Ukuze uthenge noma uphenye, kuzodingeka uphume uyobheka okunikezwayo.

Ukuthengiswa kwezindlu

Enye indlela yokungena emkhakheni wezezindlu ukuthengiswa kwezindlu. Abatshalizimali bahlanganisa izimali zabo ukuze bathenge noma bakhe izindlu ezithengiswayo. Amandla okuthenga makhulu ngama-real estate syndicate kunalapho utshala imali ngawodwa.

Konke kuqala ngomxhasi, oqala ukuthengiselana. Abaxhasi bathola imali enkokhelweni yokuphatha yokuqasha kanye nokugeleza kwemali kwanyanga zonke kokuqashiwe. Abatshalizimali abafisa ukuxhasa iphrojekthi bangathola imali ngokuphuma kwemali kwanyanga zonke ngokuqashiswa noma ukwazisa kwezakhiwo.

Ngenxa yokuthi ukuthengiswa kwezindlu ezithengiswayo kugxile ekutshalweni kwezimali okukhulu, kuhlukile ekuqoqeni imali ngezindlu. Isivumelwano phakathi kwezinhlangothi kanye nokusebenzisana kwazo kumele senziwe sibe semthethweni ukuze ukuthengiswa kwenzeke.

Impahla yakho yokuqala ozoyitshala

Ungakhetha ukutshala imali ku-real estate ngendlela yendabuko ehlanganisa Kuyenzeka ube nendlu Isinyathelo esilandelayo kule nqubo ukufunda indlela yokuhlola izakhiwo.

Izinto eziningi eziqondene nendawo ngayinye kufanele zicatshangelwe kanye nolwazi oluningi olungahlanganiswa lube umhlahlandlela ophelele. Ungathola ulwazi oluhle mayelana nokutshalwa kwezindlu usebenzisa izincwadi nezinye izinsiza esigabeni esingezansi. Lezi zeluleko eziyisikhombisa ezilula zizokusiza ukuthi uthenge indawo yakho yokuqala.

1. Ukuze unqume ukuthi uzilungiselele yini ngokwezimali, kufanele uqale uhlole isimo sakho. Okufanelekile, awunaso isikweletu noma ukheshi ukumboza inkokhelo ephansi. Ukuze uzuze emazingeni enzalo aphansi emalimboleko (eyaziwa nangokuthi i-real estate leverage), uzodinga futhi ukuthi ube nekhredithi ephezulu futhi ukwazi ukufaka isikhathi esidingekayo.
2. Cwaninga izimakethe zezindawo ofuna ukuzivakashela. Ingabe imakethe yezindlu nezindlu iyachuma noma imile? Ingabe abantu bazimisele ukuthuthela lapho?
3. Ukuze uqale, bheka ukutshalwa kwezimali okuncane okuphephile kunezakhiwo ezinkulu. Ungajahi ukuthenga izesekeli ezibizayo noma izindlu ezinkulu.
4. Cela othile ahlole impahla futhi ahlole umonakalo.
5. Ukuqasha kuwumgomo omkhulu. Unquma ukuthatha ukuphatha indawo noma ukuqasha omunye umuntu.
6. Bheka amakhono onawo futhi ongawasebenzisa ukufeza umgomo wakho. Futhi cabanga ngokuthi ubani ongakusiza ukufinyelele ngokushesha.
7. I-Análisis Konke Ngaphezu kwenani lokuthenga, kunezindleko ezihambisanayo okufanele zikhokhwe ngaphambi kokuthenga. Lokhu kuhlanganisa izindleko zokuvala nezintela zezakhiwo, umshwalense, izinsiza, izilinganiso zokulungisa noma zokulungisa, nezinye izindleko ezihlobene. Ungacela amakhotheshini osonkontileka ngaphambi kokuthi uzibophezele ekuthengeni. Umgomo uwukuba nomqondo ovulekile futhi ungene ebumpumputhe.

Izincwadi zokutshala izimali ezithengiswayo zabaqalayo

Sibheke ngabomvu ukuzwa okwengeziwe kochwepheshe. Izincwadi ezimayelana nokutshalwa kwezindlu ezithengiswayo zabaqalayo zidlulela ngale kwalokho esikhulume ngakho futhi zikhuluma kabanzi.

Millionaire real estate investor Gary Keller

Ayikho indlela engcono yokufunda ukuthi ungatshala kanjani imali ku-real estate kunabantu abenze izigidi Millionaire real estate investor Le ncwadi iqukethe ubuhlakani babatshalizimali bezindlu abayizigidi eziyi-120. Le ncwadi idiliza amasu abatshali bezindlu abaphumelelayo, ixosha izinganekwane ngemali, futhi inikeza izeluleko ezisebenzayo kwabaqalayo.

Bhukha ngokutshala izakhiwo eziqashisayo UBrandon Turner

Le ncwadi Bhukha ngokutshala izakhiwo eziqashisayo Igxile kakhulu ekwakheni ingcebo ngokusebenzisa imali engenayo evela ezindaweni eziqashisayo. Le ncwadi ichaza ukuthi ungathola kanjani amadili ezakhiwo ezinhle, yiziphi izinketho zezimali ezikhona, amaphutha avame kakhulu kanye nezinyathelo okufanele zilandelwe ukuze uphumelele ekutshalweni kwezindlu nomhlaba.

Lokho Abatshali Bezindlu Okufanele Bakwazi Ngokugeleza Kwemali UFrank Gallinelli

Le ncwadi Lokho Abatshali Bezindlu Okufanele Bakwazi Ngokugeleza Kwemali Lo msebenzi uwukucacisa izinombolo. Funda indlela yokwazisa isakhiwo usebenzisa amamethrikhi amaningi ukuze wenze izinqumo eziqhutshwa idatha ngokuzethemba. Awazi yini ukuthi "cap rates" kanye "nenzuzo ratio"? Ungafunda konke odinga ukukwazi ngencwadi engcono kakhulu yezindlu ezithengiswayo yabaqalayo.

Uhlelo lokuthenga nokudayisa Luke Weber

Imishini ye-pinball yesikhathi esizayo, Uhlelo lokuthenga nokudayisa Le ncwadi ihlanganisa okuhle, okubi, nokubi, kanye nendlela yokuyizulazula. Uzofunda ukuthi ungaxhumana kanjani nababolekisi, osonkontileka, nokuthi ungalitholaphi ibhizinisi. Funda amasu asebenzayo okukhulisa inzuzo. Le ncwadi iwumthombo omuhle kakhulu wabaqalayo kwi-real estate.

Incwadi Yesu Lentela: Umhlahlandlela Womtshali-zimali we-Savvy Real Estate Ibhalwe ngu-Amanda Han, Matt MacFarland

Ungazama Umsindo Nakuba kungase kubonakale kunzima, lolu lwazi lubalulekile futhi kufanele lufundwe kusenesikhathi, kunokuba luzabalaze kuyo yonke inyanga ka-April. Incwadi Yesu Lentela: Umhlahlandlela Womtshali-zimali we-Savvy Real Estate Leli bhuku lizokufundisa ukuthi ungathola kanjani okuningi ngekhodi yakho yentela futhi uhlale ngakwesokudla kuMgcinimafa. Kuzokuvumela ukuthi uhlakaniphe futhi ukhule ngokushesha, okungenzeka wonge izinkulungwane zamaRandi.

Ungakwazi ukutshala ingcebo for Wabasaqalayo.

Lesi isinyathelo sokuqala nje ohambweni olunzima lokufunda indlela yokutshala izindlu nomhlaba. Nokho, uma uzimisele ngokuphikelela, uzimisele, futhi uzimisele ukuqhubeka nokufunda, kungaba isinqumo esishintsha ukuphila.