Tsanangudzo: Mari yechikwereti ichikoshesa kana kuti LTV chiyero chepaimba ndiyo yepamuko yehupfumi hwepfuma iyo yakabhadharwa. Kana iwe ukagovera chikwereti chechikwereti nechechidiki chechiyeuchidzo chekuverengwa kana kuti mutengo wokutengesa, unowana LTV.
Pane zvakasiyana-siyana zvinokweretesa zvinoshandiswa kutsvaga kana chikwereti chichapiwa nechimwe cheSVV. Zvakajairika kuti muridzi awane nzvimbo yekugara kuti awane zvikwereti kune LTV ye 80%.
Zvisinei, apo pfuma inofanira kunge iri mari, vateresi vanowanzodikanwa nechechi yeLVV.
Chikwereti Kukosha chinoshandiswa mune zvekutengeserana kwemaimba pamwe chete.
Mienzaniso: $ 300,000 kukoshesa kukosha kweimba.
$ 240,000 chikwereti paimba.
$ 240,000 / $ 300,000 = .80 kana 80% Mvumo Kukosha Ratio
Commercial Real Estate Primer
Kune vashandi vekugara mairi vanofunga kutama kubva kubva kune imwe nzvimbo kusvika kune imwe nzvimbo yezvokutengeserana, iyo ichakubatsira iwe kuti uwane mhedziso yemamwe maitiro makuru uye kusiyana. Izvi zvinyorwa zvose zvakanyorwa nenyanzvi munharaunda yavo.
Commercial real estate inogona kuva basa rakakosha chaizvo. Zvisinei, zvinowanzova zvakaoma kuenda kune rumwe rutivi rwebhizimisi, dzimwe nguva gore kana kupfuura asati awana mari. Dzimwe nguva nzira yaunosarudza nayo yekutengeserana kwemahombekiti yekutengeserana inogona kuita misiyano yose. Dzidza zvaunofanira kufunga muhurukuro iri pachikwata.
Commercial real estate inobatanidza boka rakasiyana-siyana rekugadzira marudzi uye kushandiswa , uyewo nzvimbo isina nzvimbo.
Dzidza zvakananga pamusoro pezvimwe zvinozivikanwa zvikuru pano.
Izvi zvikamu zviri kukurukura kutengeswa kwe "chaiyo pfuma", nyika uye / kana zvivako. Kunyange zvazvo varidzi vemabhizimisi vachiwanzogadzirisa bhizinesi ravo rezvebhizimisi pamwe chete neimba iyo, kukosha kwebhizimisi bhizinesi pacharo hakubvirirwi munyaya ino.
Nzira dzekutengeserana dzimba dzinowanzochengetedza avo vari mudzimba dzekugara uye izvo zvinokuvadza zvekutengesa imba yekukweretesa. Izvi zvinoreva kuti nzvimbo dzekutengesa, zvivako zvehofisi namahotera zvinowanzovakwa kutsigira kuwedzera mukugara kwekugara. Zvinotora nguva yakareba kuwana mari, kuvaka, uye kubvisa nzvimbo.
Sezvaunopedza chirongwa chekutaurirana nekutengeserana kwako kwebhizimisi , iwe uchagoverwa chikwata chekutengesa mari. Heano zvikamu zvinowanzoitwa zvekutengesa zvebhizimisi, uye tsanangudzo pfupi yezvikamu izvi.
Kuwana muridzi weimba uye chikwata chekugara mune zvekutengesa imba inoda kutenga yekutengeserana kwemaimba ehurumende iyo inobatsira zvose. Zvido zvemuri weimba ndezvipo zvekubhadhara uye kubhadhara mari yekutsigira purofiti. Muchengeti anoda kuvhara mari yekubhadhara pamwe nepamusoro pezvakagona zvakare. Kushandisa nzira yakakodzera yekubhajisa, vanogona kugutsa zvido zvavo nechinguva chekukurukurirana dzimwe nguva.
Kunyange zvazvo kune mabasa anowanzoitika pakuenzanisa zvivakwa zvekugara uye zvekutengeserana dzimba, kusiyana kwakakosha, uye kuita hupenyu huchiita zvekutengesa dzimba inowanzova yakaoma kupfuura inowanikwa mumashamba ekugara.
Vatengesi vemabhizimisi vanogara vachida mari yekugadzira zvivakwa.
Kana imwe nguva dzimba dzichivakwa, vadzidzisi dzimwe nguva vanoda mari yekuchengetedza zvivakwa zvavo zvizere zvikwereti uye zvakanaka. Ndicho chikonzero mabhengi, vateresi vega vega, makambani einishuwarenzi, mari yepensheni uye kunyange US Small Business Administration inopa zvikwereti zvemahombekodhi zvinogona kuunza zvigaro zvekugadzirisa matambudziko, kugadzira vashandi vebhizinesi uye kunyange kubatsira vabatsiri kudzivisa kufanirwa.
Nzvimbo dzekugadzirisa zviitiko dzave dziri chikamu chebhizimisi uye nzvimbo dzekugara kwevanhu chero bedzi munhu angakwanisa kuyeuka. Kune vanhu vazhinji, vanoita rwendo kuenda kunechiremba wemazino vanoita sekunakidza. Kune vamwe, zviitiko zvekubatanidza zvinonakidza, asi nekuda kwevaya vanofanira kupedza nguva navo, vanoda kuti vainge varonga kushanyira kune mazino.
Zviri kuwedzera kuve pachena kuti rubatsiro rwemagariro evanhu ari pano kuti rambe ruripo, kunyanya nokuda kwemazuva anotevera.
Vadzidzisi vemabhizimisi maduku vanoshandisa masayiti ekubudisira mazita evanhu zvakanaka vanogona kukurudzira mabhizinesi avo nenzira dzakasimba. Imwe yenzira dzakanakisisa dzekushandisa shanduro dzezvemabhizimisi zvebhizimisi dzine peji rebhizimusi re Facebook .
Tarisira izvi zvinyorwa zvinokubatsira kuti uite zvisarudzo pamusoro pekutengeserana kwemaimba sechidimbu.