Nzira dzekutsvaga muImba yeMatengesi kunze kweCash
Kune nzira dzekuisa mari yekuvakwa kwemaimba pasina mari.
Iwe unogona kutanga zvishoma sekudhura kwemakadhi mashomanana emabhizimusi. Iyi haisi nyaya pamusoro pe "nyore mari." Nepo kune nzira dzekutanga mukutengesa zvivako nechishuvo chako chete uye chimwe chirevo, hazvisi nyore, asi zvinogona kuchinja muhomwe yako munguva pfupi.
Iko kune gurus kwose kwose, paTV, muzvinyorwa uye paIndaneti vanodzidzisa dzose idzi nzira. Iwe unogona kudzidza zvakawanda kubva kune dzimwe nzvimbo dzekutsvaga mabhizimusi, asi chenjerera nezvekubhadhara dzidzo inodhura zvakanyanya kana kurayira. Vamwe vakadzidza nenzira yakaoma kuti, zvisinei kuti mudzidzisi anoziva uye anokudzidzisa zvakadini, zvichiri kukwira kwauri kuti uende uye uite izvi. Zvimwe zvehutano huchakubvumira kuti uwane mari kubva kune imwe nzvimbo yekutengesa kunze kwekuti uine mari yekutanga inosanganisira:
- Bird Kubata
- Masangano
- Leasing Options
- Sandwich Inosvitsa
- Kudzoka-Kushure Kudzoka
Heino mhedziso yehutano, maitiro avanoita, uye kuti vamwe vashandi vezvivako vepfuma vanovashandisa sei pamari mari mushure mokutengesa kwavo mabhizinesi.
Bird Kubata
Iwe usati wanyatsonzwisisa kukosha kwembwa yedhiri kunogona kugovera vatengesi vepfuma, ngatitarise kuti ndiani ava vatengesi. Chinhu chokutanga chinouya mupfungwa ndeche "flipper," kutenga misha, kuigadzirisa uye kuitengesa nokukurumidza kune purofiti.
Zvadaro pane muchengeti wenguva refu uyo anotenga dzimba sekubhadhara dzimba, achiona kubuda kwemari nekuonga kwenguva.
Zvimwe zvemazano aya ekutsvaga pfuma ingakwanisa kubudirira zvikuru. Ndeipi nzira inosarudzwa nevashambadzi ndeyezvinangwa zvavo, mutsa, uye kushivirira kweruzhinji.
Kune vakawanda vakawanda vevatyairi vemari kunze uko kupfuura vanhu vakawanda vanofunga, zvikurukuru venguva refu vashandi vepamba. Ndivana ani? Ndivo vashomanana chete mararamiro akakwirira aunoona paTV. Ruzhinji rwevanhu vanhu vamunoona zuva rimwe nerimwe. Vanogona kunge vane rimwe bhizinesi rakabudirira uye vane mari yavanoda kuisa mune zveimba.
Kumhanyira mabhizinesi avo kunoda nguva yavo yakawanda, uye vanowanzovimba nemararamiro edzimba sevashambadziri vemazana kuti vavabatsire kuwana nzvimbo yekutsvaga maitiro. Vanowanzobhadhara zvakanyanya kupfuura zvavanofanira kuita nekuda kwezviitiko izvi sevashambadzi venyika vanogadzira kunze kwe Multiple Listing Service ( MLS ) yekuverenga. Hakusi zvakawanda zvekushandura mumatengo, kunyanya nemakomisheni ari muchibvumirano.
Vazhinji vevatengi ava vari kutenga zvinhu zvakawanda. Chii chavaizoita dai vaizobatana nemumwe munhu akataura kuti vanogona kuunza zvikwereti zvekutenga kumba kwe 10% kusvika ku40% zvishoma mari pane zvavari kutenga iye zvino? Mhinduro yacho iri nyore, sezvavari mune izvi kuita mari.
Kana vasingakwanisi kubhadhara imba, zviri nani kudzoka kwavo kunekutsvaga (ROI) kubva pakudengesa kwemari, uye nokukurumidza ivo vakavhara-mune muhutano.
Vachada kuti munhu uyu avauye nemitambo. Uyu munhu anozivikanwa sembwa yembwa. Zvakangofanana nekuve weaveloaler.
Kuburikidza nebasa, kutsvakurudza uye kutsvakurudza, imbwa yenyoka inowana vashandi vemunharaunda avo vanoda kutengesa uye vasina kukwanisa kana vaimba nekutengesa matambudziko kana zvigadziriswa vasati vasarudzwa. Ndiyo kukumbira shiri, uye hazvidi kuti mari isati yatanga, mamwe makadhi ebhizimisi uye zvakawanda. Zvisinei, inogona kuita dzimba dzekugadzira mari yebhizimisi kune munhu akawandisa ane chikwereti chakawanda uye kwete mari yakawanda.
Vari kunze uko vachitsvaga dzimba dzemajeri edzimba dzisingatauri. Ichokwadi, dzimwe imbwa dzeshiri dzinoshandiswa zvekutengesa dzimba dzinovatungamirira dzinotungamirira apo muchengeti weimba anonetseka asina kukwanisa kutengesa. Imbwa iyo shiri inopa mari inobatsira kumutengesi uye mari inogona kukwira pakati pe $ 2000 ne $ 10 000 pamushandi kana ikavhara.
Masangano
Imwe nzira yekuita mari muzvivako zvekutengesa pfuma pasina kushandisa chero mari yako pachayo ndeyokushandisa mabasa. Haisi iyo yakaoma asi inoda kuti iwe mutengi wako agadziriswe pamberi pokuzvivhara iwe muchibvumirano chekutenga. Iwe uri kuzoita zvekutengeserana kwako nemutengesi uye kunyora purogiramu yekutenga. Chibvumirano chicharatidza kuti Mutengi "Zita Rako uye / kana Anogadza."
Izvi zvinokubvumira kupa chibvumirano kune mumwe munhu, mutengi wako, pasina kubvumiranazve kwemutengesi. Vanofanira kunge vari vatengi vemari, asi izvi ndizvo zvinowanzoitika iwe uri kuita izvi zvakasiyana-siyana. Mutengesi achangoudzwa kuti mutengi wako iye zvino mutengi uye kuti mutengesi uchaenderera mberi sezvinoenderana nemitemo yemvumo yekutenga.
Chimwe chikonzero paunenge uchigovera maitiro ndeye mari yakashingaira iwe unopa mutengesi. Iyi mari inowanikwa nekambani yekambani inobata kugadzirisa, uye iwe haugoni kuwana iyo yakadzorerwa. Ichaendesa kune mutengi wako. Saka, iwe unoda kuchengeta chiyero ichi sechepasi sezvinobvira sezvo kuchine humwe hutengesi hwekuti chibvumirano hachivhari.
Kana iwe nguva dzose uchishanda nevatengi vanozvitenga, unogona kukwanisa kuwana mari yako apo iwe unoita basa rechibvumirano pamusoro pavo, uye haufaniri kumirira kusvikira wapedza. Zvisinei, iwe unogona kubhadhara kana chikamu chacho chivhara. Zvechokwadi, kana iwe wakanyatsorongeka kune vamwe vatengi, uye unogona kutsanangura zvavari kuita uye kuwana mhiko yekutaura, iwe unogonawo kuwana mari yakasimba mberi usati wavhara imba.
Leasing Options
Izvo zvikamu zvekutanga zvekambani yekugadzirisa sarudzo ndeyebhadharo nemwedzi yekubhadhara mari uye mwedzi wekutsvaga kutenga iyo pfuma pakaguma nguva yekubhajisa. Ngatishandisei nomuenzaniso kuti tifananidze kuti inoshanda sei. Iwe uri mubhadhati anoda kuve nemba yake seimba yekubhadhara, asi iwe hausi kugara pamari yakakwana yekubhadhara pasi. Iwe unogona kunge uine chikwereti chekwereti chinogona kuita kuti kukwereta kunodhura.
Nokutsvaga kutengeswa nemazita ebhenit, mapepanhau uye Craigslist zviziviso kana kungotaura mazwi-e-mumuromo, iwe unowana muimba anonyanya kuda chaizvo uyo asina kukwanisa kutengesa imba yavo. Ngatitarisei nezvekufungidzira muenzaniso. Ngatitii varidzi vepamba vane imba yakanyorwa, asi havana kukwanisa kutengesa.
Imba inokwana $ 100,000 mumakambani aripo iye zvino, mutengo wavo wekutengesa uri $ 70,000, uye kubhadhara kwavo ndeye $ 525 / mwedzi nemitero uye inshuwarisi. Mumwe mukadzi akaiswa kunze kwebasa rake, uye mumwe wacho akawana basa rakanaka saka vanofanira kufamba nokukurumidza. Hezvino izvo zvinotengeswa nemutengi wedu:
- Anopa kubhadhara imba yavo kwemakore matatu nebhadharo yekubhadhara yakaenzana neimba yavo yokubhadhara.
- Unodzipa iyo $ 1,500 senzira isingadzokidzi kubhadhara mari yekutengesa kuitira kuti ive nekodzero, asi kwete iyo inosungirwa, kutenga imba pamagumo ekubhadhara mari $ 80,000.
- Nechibvumirano chemashoko, mutyairi anoshandisa kudengesa kana dzimwe nzira kuti awane muridzi weimba anoda kubhadhara $ 750 / mwedzi kuti aibhadhara. Vachazonyora zvishoma kwegore rimwe chete.
- Munguva yemakore matatu ebhadharo, mitero uye inshuwarisi ichagara se / iyo, pamwe nekukwira kuri kubhadhara kutarisira zvinhu izvozvo.
- Kushandisa mari: $ 525 x 3 yekutanga uye yekupedzisira mwedzi yekubhadhara mari uye kubhadhara mari = $ 1,575 + $ 1,500 kuitira kubhadhara mari yekubhadhara = $ 3,075.
- Cash in: $ 750 x 3 yekutanga, yekupedzisira & kuchengeteka deposit = $ 2,250.
Iyi ndiyo yakaipa mamiriro ezvinhu emari, pamwe nemurimi wemari ari muhomwe $ 825. Zvisinei, vangadai vakataurirana zviri nani nemutengesi uye vakaratidzira kuchengetedzwa kwekuchengetedzwa, kana kubviswa zvachose, vachideredza mari yavaizove vari muhomwe kusvika madhora 300.
Izvi hazvina kunaka kutonga imba iyi nekuvhara mukutenga kunobatsira pakupedzisira. Iko inotoda kukosha kupfuura mutengo unobhadharwa, uye ungangodaro unofarira panguva yemakore matatu. Iko $ 250 / mwedzi yakajeka mari inoyerera ichasvika ku $ 9,000 pamusoro pemakore matatu. Saka, kunyange kana mutengesi asingashandisi nzira yavo yekutenga musha, vakaita sarudzo yakanaka vachifunga nezvemari shoma yavakapa.
Sandwich Inosvitsa
Sandwich inoshandisa mari iyo zita rinoreva: zvikwereti zviviri zvekushandira pamwe nemurimi wepakati. Mumamiriro ezvinhu aya, mutengi anoda kuva nechisarudzo chekutenga chivako pachinotora kumagumo ekuzorora kwenguva, uye vanoda kutsvaga muridzi wezvokuda anoda kutenga imba asi asingakwanisi kubhadhara zvinetso zvekwereti kana kushaya yemari yekubhadhara pasi. Vanhu vakawanda vari mumamiriro ezvinhu aya vanoda kuve yavo, vanofara kuwana musha wakanaka vakakwanisa kutenga nekutora mari, vachiva nenguva yekuvandudza chikwereti chavo uye kubhadhara mutero pamwe chete.
Tichazoshandisa muenzaniso wekare, asi panzvimbo yevashandi venguva dzose, mutengesi anowana mumwe munhu anoda kutengesa-kutenga kana kukwereta-kuva neimba. Nhamba dzose idzi dzakafanana, kunze kwezvino iye zvino muchengeti weimba anoda kuva nemba pakupera kwemakore matatu achienzanisa nguva yekubhajisa.
Mutengi wemuchengeti iye zvino haasi kungobhadhara chekutanga, yekupedzisira nekuchengetedzwa kwekuchengetedza mberi, asiwo kubhadhara kusarudzo kusingabhadharwi kwekodzero yekutenga imba kumagumo ekubhajisa. Uyewo, mutengi wemuchengeti anobvumirana kuti kana vakatenga imba, mutengo uchava $ 110,000. Iye zvino mari inoshandiswa kumusimari inoita seyiyi:
- Same $ 3,075 ichienda kune mutengesi wekutanga yekutengesa.
- $ 750 x 3 = $ 2,250 + $ 1,500 mubhadharo wokubhadhara mubhadharo kubva kumutengesi wevarimi ari kuuya = $ 3,750.
- Mumwe mutengesi angadai akakumbira mari yepamusoro yekubhadhara mari asi akange achifara ne $ 675 yakanaka iyo inoyerera mari apo zvose zviri zviviri zvasaina.
- Mutengesi anoita $ 675 mberi, $ 250 / mwedzi kwemwedzi 34 yakasara (yekutanga / yekupedzisira yakabhadharwa), uye $ 30,000 pfuma yakawanda nokutengesa imba ye $ 110,000 asi kubhadhara $ 80,000 chete.
- Mutengo mukuru wevatengi ndeye $ 39,175 ane zero madhora emari yavo inotengeswa.
Rimwe ruzivo rwerongwa urwu nderokuti muchengeti wezvokutenga ari kutarisira kuva neimba yake uye achatora zviri nani. Ichokwadi, vamwe vashandi vari kutaurirana nezvechibharo chinoda kuti muridzi wekubhadhara mari yekutanga ye $ 100 kana kupfuura kuitira chero kugadziriswa. Sezvo inishuwarenzi nemitero zviri kubhadharwa mubhadharo rekutanga rekubhadhara mari, mari inenge isingakoshi.
Kana mutengesi achida kuvhara zvese zvidzidzo, vanogona kubhadhara mari yekubhadhara mari zvakananga, kwete kurega mutengesi kupinda munzvimbo yaanogona kutadza. Sarudzo dzinoshandiswa mubhadharo uye sandwich lease ndiyo nzira dzinoshandiswa kazhinji nevatengesi vepanzvimbo yekuwedzera zvivako kumapatoti edzimba uye kuvaka mwedzi wemari.
Kudzoka-Kushure Kudzoka
Imba yekutenga uye yekutengesa mari yakatanga kuitika mugore ra2007 yakaita shanduko yakawanda mumakambani ekukweretesa uye zvekutengesa kwemaimba. Kambani makambani aimboita kupfigwa kaviri uye kubhadhara chikamu chimwe chete nemari yeimwe imwe yakawanda kwazvo pasina nzvimbo inowanikwa ikozvino. Zvisinei, kune imwe nzira yekugadzira uye yeflip nezvinhu yekuvhara shure kumashure musingashandisi mari yako.
Zvechokwadi, chokutanga chinodiwa ndechokuti iwe une purogiramu yakawanda yeflip deal yakaiswa. Iwe unofanirwa kuva nekutanga yekutenga yakatengwa pamutengo wakakodzera, uye mutengesi akagadzirira kuzvitenga kubva kwauri pane pfuma yakanaka. Purogiramu inofanirwa kuva yakakwana kubhadhara mari ichazodiwa kuitira kuti iwe ushandise mari yevamwe vanhu kuti ugadzire chibvumirano chokutanga kuitira kuti ugone kuvhara kutengeswa kwechipiri kune mutyairi wako.
Kutengeserana mari ndeyekutora chikwereti chine nguva pfupi kubhadhara chimwe chikamu nekuvhara kwekuvhara kutengesa imba musi iwoyo kana mukati memaminitsi makumi maviri nemaviri. Mumwe mutengesi wekutengesa achaisa mari yacho nekambani yekambani inofanirwa kuvhara yekutanga.
Kana imwechete iyo ikavhara, iwe unoenderera mberi kune yepiri yechibvumirano, kazhinji chinorongwa chiri shure kwayo. Chirevo chekuvhara chiitiko ichocho chicharatidza mubhadharo kumutengesi wekutengeserana kwechikwereti chavakakweretesa pachigamba chekutanga pamwe nemari yavo. Izvi zvinowanzoita zviduku zve $ 2,500, uye zvinogonawo kugoverwa muzana yemari yakabhadharwa. Iwe unowana muyero nemari yako.