Mune nhepfenyuro yedu pamusoro peHarare Property Investment Returns, tiri kushandisa muenzaniso wechinaplex semari yekutsvaga. Iwe unogona kutora mashoko ekutenga pano , zvisinei, yeuka kuti yakanga iri $ 325,000 kutenga zvine manaplex yekubhadharwa kwezvikamu zvina zvenguva yakazara.
Nguva dzose chengetedza matambudziko ose emitero zvakakwana nekambani yemari yemari, zvisinei, IRS kazhinji inotitendera kuti tibatsire kukosha kwechimiro ichi pane imwe nguva makore 27 ne22. Uyu ndiwo mushonga unonzwisisika wekuti zvivakwa zvinopedza nguva, kana kuti zvisingashandisi zvekare nekuda kwezvinhu zvavo zvekare hazvisi zvekuda.
Saka, tine pfuma iri kuunza $ 15,192 pagore nemari yakanaka yekuyerera, asi ikozvino tinogona kukanganisa zvimwe zvekuwana mitero. Tinoderedza chivako nekuderedza kukosha kwenyika uye kugovera kukosha kwekuvaka nemakore 27.5 kwekuderera kwegore negore. Kuwedzerwa kwekuverenga kunoratidzika seizvi:
1. Mutengo wokutenga - Land Value = Kuvaka kukosha.
2. Kuvaka Kukosha / 27.5 = Kubviswa kwegore negore kuregererwa kwekuderedza.
Nokuda kwemuenzaniso wedu manaplex, tichafungidzira kuti kukosha kwehafu yehafu iyo inogara kuri $ 80,000. Zvino ngatitarisei kuverenga kwedu:
1. $ 325,000 - $ 80,000 = $ 245,000 Building Value.
2. $ 245,000 / 27.5 makore = $ 8909 pagore mukuderera.
Pasina kutora chero mimwe mitero yemitengo kana kubhadhara chikwereti chekubhadhara chikwereti , takatoita kuderedza mari yatinobhadhara. Sezvo tichida kutarisa mitero yezvivako zvedu, tiri kuwedzera zvakare mutungamiri uye kufarira mubhadharo rekutenga isu takabviswa nokuda kwemari yekuyerera kuverenga .
Nokudaro mari yedu $ 15,192 inoyerera inodzokera ku $ 34,908.
$ 15,192 + $ 23,316 - $ 3600 mutero & bhushi = $ 34,908. Iyi ndiyo mvumo yemutero inogona kubhadhara mari yekubhadhara mari isingabhadharwi, kubhadharwa kwekugara , inshuwarisi, kugadziriswa uye kurongedza mari. Tichatarisa gare gare kune mamwe madhauriro. Asi apa ndiyo nzira iyo kuderedza kunodzoka.
- $ 34,908 - $ 8909 depreciation = $ 25,999.
Yeuka kuti hatina kupedza mari chero ipi zvayo kuti tione kubviswa uku. Uye isu tine zvimwe zvekudzvora kutora. Kubhadhara hakusi muhuwandu asi, sezvatinofanira kubvisa chikwereti kubva kuhutano. Haisi kutasununguka zvachose pane kubviswa uku kana. Paunotengesa iyo pfuma, iwe uchafanirwa kutora kuderedzwa kwekuderera kwezvikwereti paunenge uchiverenga mari inowanikwa mubhadharo yemitero. Zvisinei, kune nzira dzekukunda iyo mitero pamwe chete ne1031 Exchange .
Kushandiswa kwekutsvaga mari kumusha kunonyanya kufarirwa, kunyanya kune vashandi vekutsvaga kana kuti avo vanoda kubuda kwemwedzi pamwedzi panzvimbo yekuti vashandi venguva pfupi vanobudirira kubva kune vamwe kana kugadzirisa & flip kuisa mari. Zvichienderana nezera rako uye nguva yekurasikirwa, kubhadhara mari inogona kuita zvakawanda kwauri:
- Kuwana retirement - Sezvauri pedyo nekurasira uye uchitanga kuverenga mwedzi wemari kubva pamusika wekutsvaga uye mamwe masimba, unogona kuona kuti hapana huwandu hwekudzoka hunouya kubva kune zvikwereti kana chido. Kugadzirisa zvinhu zvako, iwe unogona kutengesa zvikwata kana kusungirwa uye kutamisa mari mudzimba dzinotora. Ikoko kana uchinge uri pangozi kana ukasimudza nekuchenjera, uye kudzoka kwakakwirira. Iwe uchange uine mari yakawanda pamwedzi kuti uwane mari yako yekurasikirwa.
- Muduku, asi kuronga - Iyi ndiyo iyo iwe unogona kutanga kutanga kuvaka zvakanaka chaizvo chero kupi zvako waunoda uye kurarama mararamiro akanaka. Tanga kutenga nzvimbo sezvikwereti, uye iwe uchatanga kuwana kuenzana sezvavanokoshesa uye iwe unobhadhara pasi mari yekugadzirisa mari. Iwe unogona kutora zvikomborero izvi nekutengeserana kwe1031 uye unozvipinza mune dzimwe dzimba dzekubhadhara, zvichida dzimba dzepamusoro dzakadarika pane dzakawanda dzazvo. Iwe uchadzivisa mari inowanikwa mukugumburwa kana uchiita zvakanaka.
Kushandiswa kwekuvakira pfuma ichagara iri nzira yakanaka yekuisa mari, sezvo zvicharamba dziine renters. Imba nekutora chikwereti chakatangira kunopera kwegore ra2006 kunotiratidza kuti nzvimbo yekubhadhara yakave yakava sei yekutsvaga mari yekuita. Vose vevanhu avo vakarasikirwa nemisha yavo kuti vafananidzwe vakazova vashandi apo vaizovakazve chikwereti uye vakaponeswa nekuda kwekubhadhara.
Vatsengi vanotenga zvakanyanya zvakasiyiwa pamusika kwemakore mushure mekuona hama dzavo dzekare dzichirasikirwa nemisha yavo kana kuenzaniswa. Vakapa chido chakakura chezvivakwa. Kubhadhara mari yekutsvaga kumusha kunopesana nemigumisiro yakaipa yechido chekuwedzera kuwedzera uye kuwedzera. Iyi inzira yakanaka yekukura pfuma yako.