Kuenzanisa ndekushandiswa kwezvinhu zvakasiyana-siyana zvemari kana mari yakakweretwa kutenga uye / kana kuwedzera kukwanisa kudzoka kwekutsvaga-iyo izwi rinoshandiswa paWall Street uye mumugwagwa we Main Main real estate.
Muenzaniso wakareruka wekutengesa imba ndeyekubhadhara mari, uko iwe uri kushandisa mari yako kuti uwane mari yekutenga. Muzviitiko zvakawanda, 20% pasi kubhadhara (uye yakanaka chikoro chenhoroondo) inowana iwe 100% yeimba uye imba yaunoda . Mamwe mapurogiramu anotora chikwereti angatoita kuti iwe uise pasi zvishoma.
Kana iwe uri murima wezvivako , iwe unogona kunge uri kushanda mukati mehutano uye avo vanobatsirana vangave vachiisa mamwe mari, kana vatengesi vangave vachida kubhadhara mari yemutengo weimba yavanenge vachitengesa. Zvose mienzaniso yehuwandu
Muenzaniso weKubata
Ngatitii makanga muri kutsvaga imba mune imwe nzvimbo yakakura. Iwe unowana 2 dzimba: imwe $ 500 000 yeimba yaunoda mari yekubhadhara, uye ye $ 100,000 imba yaunogona kutenga zvakakwana.
Muenzaniso wekutanga: Iwe unofambira mberi ne $ 500,000 imba, bhanhire uye vachakupa $ 400,000 chikwereti kana ukaisa pasi $ 100,000, kana 20%. Achifunga kuti dzimba inzvimbo ino inokwira zvichida 5% pagore, mumwedzi gumi nemaviri kubhadhara kunokwana $ 525,000.
Muenzaniso wechipiri: Unotenga mari ye $ 100,000 zvakakwana pasina mari uye hauna chikwereti kune chero munhu. Kana iyo misika yemigodhi inokwira 5% pagore, mumwedzi gumi nembiri yako inotora mari inokwana $ 105,000.
Muchiitiko chekutanga 1, chiremera chakashanda mukufarira kwako, kuwedzera kukosha kwekutsvaga kwako kwemaimba. Asi, kana nhare dzedzimba dzakapera ne5% mugore iroro rokutanga, Chiitiko 1 chakanga charasikirwa ne $ 25,000. Mamiriro ezvinhu 2 angadai akaona kuderera kwe $ 5,000 chete.
Zvinhu Zvinofanira Kudzivisa Mukushandisa Real Estate Leverage
Kushandiswa zvakakodzera, zvivako zvemaimba zvinogona kuva chinhu chinobudirira chevatengesi vepamusoro kuti vawedzere kudzokera kwavo mukutsvaga. Chinokosha ndechokudzivisa kuita zvisarudzo pasina kufungisisa zvakakodzera nzvimbo dzengozi yekugadzirisa. Dzivisa maitiro aya akaipisisa uye iwe une mukana wakanakisisa wekuona kubudirira mukushandisa zvivako zvemaimba.
01 - Kuverenga pamusoro pepamusoro-soro rekuonga
Kunyange kana chivako chave chichikoshesa pa 12% kusvika ku20% yehuwandu kwemakore anoverengeka, kuverenga pachiyero ichocho kuti chirambe chichienderera mberi chinhu chinoparadza zvikuru. Izvozvo zvinogona kuita kuti iwe uwedzere mari, uchitarisira kuona mutsauko uri kutengeswa kubva pakuonga. Kana zvisingaitiki, uri kutora kurasikirwa kana kuipa.
Apo iwe unoronga mararamiro ako emapurisa akatarisa, zvishoma, pazviitiko zvitatu: zvakanakisisa; zvakaipa; uye zvichida.
02 - Kupedzisa Nekukwirira Kukuru Kwekubhadhara
Inogona kuonekwa sekutsinhanisa kukuru kwekutarisira chivako nemari shoma shoma. Iwe uri kutarisa nhamba uye uchiona kudzoka kwakanyanya pamusoro pekutsvaga kwekutsvaga nekuda kwemari yako yakaderera cash outlay.
Dambudziko ndiro mari yakakwirira inouya nepamusoro. Kana ichi chiri chikwereti, somuenzaniso, iwe unogona kutarisira kuve nekubhadhara mwedzi mumwe nomumwe, uye kana iwe wakakwereta zvakanyanya, inowedzera kubhadhara kwemwedzi.
Ko mutengesi inonyorera kana nzvimbo yako inowanikwa mukana wepamusoro-kupfuura-waitarisirwa kana kukwereta chikwereti, iwe unogona kuzviwana usingakwanisi kuchengeta iyo yakakwirira yekutenga chikwereti chakaita zvakanaka pakutanga. Kana iwe usingakwanisi kuita mwedzi, mwero wako uri mukutengesa.
03 - Kubvumira Zvakanaka Zvekugadzirisa Dambudziko Mubhuku Rakaipa
Vakawanda vatengi vanobhadhara mari kune imwe pfuma nokuti vakawana nirvana mumutengo wepamusoro wekugadzirisa mari. Zvimwe zvakasiyana, nokuti iwe unogona kuwana pfuma ine mari shoma shoma hazvirevi kuti zvakanaka kutenga. Tarisa kukosha kweimba yacho mumamiriro ezvinhu emazuva ano uye anotarisirwa maitiro. Tsvaga "kuenzanisa" kana zvimwe zvinhu zvakadai. Chii chavakatengesa? Chii chiri kutengesa munzvimbo?
Kana iyo iyo yakapedzererwa, kuonga kuchava kuduku kana kuipa, kusavepo. Uye une nhamo iwe kana mutengesi unozvidzorera pachako kwechinguva. Imba yako yepamusoro ichave yakakosha kudhonza uye iwe haugone kuikanda pasina kutora kurasikirwa.
04 - Kukanganwa Mari Inoshambadza Ndiyo Mambo
Kana chimwe chezvinhu izvi "usingaiti" mafambiro anonamatira mupfungwa dzako, ichi ndicho chaunofanira kufungisisa. Zvikanganiso mukutonga mune imwe kana zvimwe zvezvinhu izvi pano zvinogona kuregererwa kana iwe une chinhu ichocho chikuru- zvakanaka kwazvo kubuda kwemari .
Kana iwe mari yako yokubhadhara, ita mari yako yekubhadhara mari uye mari, uri kuisa mari yakanaka kudzoka muhomwe yako mwedzi woga woga, saka icho icho icho chakanga chisina kuwana mukukosha kwegore rino hachizove chinotyisa chechiitiko. Asi kana zvikwereti zvako zvekugara zviri pasi, iwe uri mumvura zhinji inopisa.