Kucheneswa kweNhare
Nzvimbo dzakawanda dzimba dzinobvumira mudzidzi wekuvaka kuti abvise chikwereti kana chivakwa chacho chikava zvishoma kana zvachose zvisingagariki nekuda kwekurasikirwa kwenyama.
Muridzi weimba angave ane kodzero yekugumisa chibharo kunyange kana chikamu chechivakwa chinoitwa nemuiti wacho chisina kukuvara. Kana chivakwa chacho chaparadzwa zvachose, muridzi weimba angasarudza, asi kwete basa, kuvakazve chimiro. Muridzi weimba angave asina kumanikidzirwa kugadzirisa kana kutora chivako chakakanganiswa kunze kwekuti uye kusvikira yatambira mari yekubhadhara inshuwarisi.
Sezvo muenzaniso unotevera unoratidza, kuregwa kwechikwereti kunogona kukanganisa zvakanyanya bhizinesi duku riri kubhadhara kudarika kuenderera kwekubhadhara mari. Inoratidzawo kukosha kwekuwana mari inofadza.
Muenzaniso
Floyd inofanirwa neFantastic Flooring, bhizinesi rinotengesa kabati nezvimwe zvipfeko zvepasi zvichibva mune imwe nzvimbo yekuchengetera. Sangano rinotora chikamu chema 20,000-square square storage kubva Peerless Properties. Iko ikozvino kuribhadharira $ .50 chikafu chepamusoro kune zviuru gumi zvepamusoro tsoka kana $ 5,000 pamwedzi. Nhamba yebhadharo yeimba yekuchengetera iri $ .75 nhamba yepamusoro kana $ 7,500 pamwedzi.
Kushandiswa kwemarenda kunoreva kubhadhara muridzi weimba aigona kuunganidza pamusika wekutengesa.
Floyd akataurirana nezvechikwata chake makore maviri akapfuura, apo nhare dzekubhadhara munzvimbo yake dzainge dzakaora mwoyo. Rents kubva ipapo yakawedzera, asi kukwata kwaFillyd hakuzofi kwemakore matatu. Kana Floyd aifanira kurasikirwa nechikwata chake, firimu yake yaizofanira kubhadhara imwe nzvimbo pamisika.
Pasi pechibvumirano chitsva, hofisi yacho ingangodaro ibhadhara mari yakawedzerwa $ 2 500 pamwedzi, kana $ 30,000 pagore, panzvimbo yekurenda. Kana iyo iyo yakarasikirwa nekambani yayo nhasi, inotora mari yakawedzerwa ye $ 90 000 pamakore matatu anotevera.
Floyd yowedzera huwandu hwekuvandudza uye humwe huri nani kune yeimba sezvo chikwata chake chakatanga. Izvi zvinosanganisira magetsi matsva, mashefu akafananidzwa, uye kuwedzerwa kunzvimbo yekusimudzira. Kuvandudzika ikozvino chikamu chechivakwa. Floyd haasi yake, asi iye achange achida kufarira mavari kune zvakasara zvebvumirano yake.
Kwapera husiku humwe, kutengesa kwakashata kunopisa moto unoparadza zvakanyanya chivako chacho. Zvimwe pane utsi hudiki hukuru kune zvinhu zvepurasitiki, chikamu cheimba yekuchengetedzwa inotorwa neFantastic Flooring haipindirani nemoto. Kunyange zvakadaro, Peerless Properties inogona kukanganisa Floyd's. Fantastic Flooring is insured nokuda kwekukuvadzwa kwezvipfeko zvayo zvepasi pasi pekutengeserana kwedzimba . Zvisinei, Fantastic Flooring haina chinyorwa chekurasikirwa kwezvemari inotambura nekuda kwekurasikirwa kwekambani yacho. Iyo kambani hainawo kugoverwa kwekurasikirwa kwekushandiswa kwekuvandudzwa kwavakaita kuchivakwa. Zvinhu izvi hazvina kukuvadzwa, saka kurasikirwa kwekushandisa hazvifukidzwi pasi peimba yehupfumi yehupfumi .
Floyd angadai akachengetedza bhizinesi rake nekurasikirwa kwemari kunokonzerwa nekuregwa kwebvumirano nekutenga mari yekutora kufarira. Iyi kugoverwa kunogona kuwedzerwa kune zvekutengeserana purogiramu yemapurisa kuburikidza nefomu rakasiyana.
Leasehold Interest Interest
Inishuwarensi inobhadhara mari inobata mari inosanganisa kurasikirwa kwemari iwe unotsigira nekuda kwekuregererwa kwebvumirano yako. Kuti kurashikirwa kuve kwakafukidzirwa, kunofanirwa kuburikidza nokurasikirwa kwenyama zvakananga (kana kukuvadza) pfuma panzvimbo yakatsanangurwa mumashoko ekuzivisa. Uyezve, kukanganisa kunofanira kuitika kubva kune njodzi yehutachiona pasi pehutano hwako .
Kubhadhara chikwereti chekufambisa kunogona kusanganisira chero chipi chekutevera, kana muganhu we inshuwarisi unoratidzirwa munguva yekuverenga:
- Vashandi veVashandi Vanoshanyira Izvozvi ndiwo musiyano uri pakati pebhadharo yemwedzi iwe unobhadhara uye kukosha kwechivako cheimba (iyo yekubhadharwa kwekambani). Mumuenzaniso wekare, Kufambisa Kwemagetsi Kwemagetsi Kwemagetsi ndeye $ 2 500 ($ 7,500 pasi pe $ 5,000).
- Bonus Payments Iyi ndiyo chikamu chisina kukodzera chebhonasi yawakabhadhara kuti uwane chikwereti uye icho hachizodzoserwi kwauri. Semuenzaniso, iwe wakabhadhara muridzi wemba yako mari ye $ 5,000 kuti uwane bhajiro yemakore matatu panzvimbo yekutengesa kwemakore mashanu.
- Kuvandudza uye Nzira Dzakanaka Bhizinesi rako ringangodaro rakagadziridza nzvimbo yako yekurenda iyo iwe haugoni kubvisa pamutemo. Kuvharidzirwa Kwekutsvaga Nayo inosanganisira chikamu chisina kukodzera chebhadharo yawakaita kuti uvandudze. Icho hachirevi kukosha kwekuvandudzwa kunoiswa pasi peimwe inshuwarisi.
- Prepaid Rent Iyi ndiyo chikamu chisingabhadharwi chebhadha yawakabhadhara kare kuti haingadzoserwi kwauri. Semuenzaniso, iwe wakabhadhara mari yemwedzi mitatu nguva isati yasvika pawakapedza pfuma yako.
Net Leasehold Interest
Pasi pematambudziko ekufambisa, chiyero che inshuwarisi chinoratidzwa maererano nemari yekubhadhara mari . Kana kukodzwa kwako kuchibviswa, iwe mukuru wako wekuchengetedza huchabhadhara kurasikirwa ndewekuda kwako kwekambani panguva iyo kurasika kunoitika. Nhamba yekutsvaga mari inosanganisira zvikamu zviviri.
Vashandi veVashandi Vanotengesa (TLI) Izvi zvinomiririra kubatsirwa kwauchawana kubva kune chikwata chakanaka pamusoro pemwedzi yakasara. Your TLI ndiyo kukosha kwezvinodiwa zvako zvekutsvaga. Inotarirwa nekuwedzera chikwata chako chakashata chekubhadhara nechinoshandiswa chinoshandiswa nharaunda. Chikwereti chako chakashata chekubhadhara chikwereti chiri musiyano pakati pekubhadhara mari yeimba yako uye renhare iwe unobhadhara mwedzi mumwe nomumwe. Somuenzaniso, fungidzira kuti mutengo wemari yekodhi i $ 5,000 pamwedzi uye kambani yako ikozvino inopa $ 3 500. Nharaunda yako yakazara yekusvitsa mari ye $ 1,500 ($ 5,000 minus $ 3,500).
Izvo zvinotora chikwereti chinokonzerwa kubva patafura yakabatana nemutemo wako . Izvo zvinhu zvinowirirana zvichienderana nehuwandu hwechikwata chekutora uye mwedzi yakasara mubhadharo. Somuenzaniso, funga kuti une mwedzi 36 yakasara mubasa rako. Kana huwandu hwezvikwereti huwandu huwandu hwe5 muzana, mari yezvikwereti ndeye 33.4213. Mari yako yekutengesa mari inokwana $ 1,500 X 33.4213 kana 50,132.
Mwedzi weMwedzi Inoshuva Kufarira (MLI) Inotora mari yegore negore inofanirwa kuratidza mari yako yemwedzi yepamusoro yebhasiro yekubhadhara, kuvandudzwa uye zviri nani, nekubhadhara mari yakabhadharwa. Zvinhu izvi hazvingashandisi kana usina kubhadhara bhonasi, yakagadziridzwa kana kubhadhara renhi kusati kwaitika. Kana iwe uchida kuvhara mari idzi, mutengo wekubhadhara mwedzi wega wega wega wega unofanira kuverengwa pamwe chete. Pamusoro pechinhu chimwe nechimwe, mari yako yepakutanga yakapatsanurwa nenhamba yemwedzi yakasara pakubhadhara kwako pawakaita mari. Somuenzaniso, fungidzira kuti mwedzi mitanhatu mubhadharo yako yemwedzi 36, wakashandisa $ 25,000 kuti uvandudzire. Puro yako ndeye $ 25,000 / 30 kana 833.
Net Rental Lease Interest
Muganhu unoratidzwa pamutemo wako wekutora chikwereti chekufarira ndeyekuwandisa kwevashandi vako zvekutsvaga mari uye chikwereti chako chemwedzi chenguva yekutengesa pazuva rawakatanga mutemo wako. Somuenzaniso, kana TLI yako iine $ 1,500 uye yako MLI iri $ 833, ruzivo rwako rwekukwereta mumatare ekutanga ndi $ 2 333. Iyi ndiyo ndiyo inonyanya kushandiswa nemubhizimisi yako iyo inotora chikwereti chekufambisa kana chikwereti chako chichibviswa pazuva rawakatanga purogiramu yako.
Mambure ako anobvarura kufarira kunoderera mwedzi woga woga munguva yose yezwi rako. Kana kukodzwa kwako kuchibviswa, iwe unonyanya kubhadhara mubhadhadziro wako uchabhadhara pasi pekutora chikwereti chekufambisa iyo inofanirwa kubhadhara chikwereti chako panguva yekurasikirwa . Muchengetedzi wako achaverenga chikwama chako chekukweretesa netsva nekuwedzera zvinotevera:
- Kufarira kwako kwechikwereti chakakonzerwa nechaasehold chido chekuita kwemwedzi yakasara yekubhadhara kwako panguva iyo kurasika kunoitika
- Nhamba yako yemwedzi yakawanda inofarira inowedzera nemwedzi yakasara yekubhadhara kwako panguva iyo kurasika kunoitika