Iyi nhamba shomanana inogona kukuudza kana iwe uchida kuita mari.
Dambudziko rekukoshesa pfuma yakadaro harisi rakaoma sezvarinogona kurira. Kutaura zvazviri, kuverenga huwandu hwemari yezvivako zvekumba huri nyore uye haufaniri kutora iwe kupfuura maminitsi mashanu kana zvakadaro.
Inotanga nekunzwisiswa chaizvoizvo icho chikwata chechikwata chiri.
Chii Chinonzi Capitalization Rate?
Iko mubhadharo yehuwandu ndiwo mubairo wekudzoka iwe unogona kutarisira pane iwe wekutsvaga uchienderana nemari yakawanda iwe unofunga kuti iyo nzvimbo ichakuitira iwe. Icho, chokwadi, chinhu chinokosha zvikuru. Iwe hausi kuzoisa mari nechinangwa chokurasikirwa nemari.
Iyi inzira yakanaka yekuenzanisira zvinhu zvakafanana nekuti zvose zvinotora zvinotorwa munyaya. Kana mbiri dzichiita sedzakanaka zvakafanana asi imwe inodhura zvakawanda, zvingave nokuti iri kuwedzera mari yakawanda kana kuti ine mari shoma.
Nzira yekuverenga sei Cap Rate
Iwe unogona kuverenga huwandu hwemari yekushandisa uchishandisa mambure ekubhadhara mari uye yezvino kutengesa kwemazana emakamuri akaenzana. Iko mari yepamusoro inotarirwa uye inoshandiswa kune imwe nzvimbo yaunofunga kutenga kutenga kuti uone kukosha kwemaoko iko iko zvichienderana nemari inowanikwa.
Kutanga, tora mari yakangotengesa yekutengesa yemari yakafanana yemari.
Ngatishandisei muenzaniso wematanho matanhatu eimba yepamusha yakatengesa $ 300,000.
Iye zvino tsvagai mambure ekushandisa mari yeimba iyi, kana mari yekubhadhara yakawanikwa nevanini. Bvisa zvese zvinoshandiswa kunze kwekubhadhara mari. Iyi kuverenga inokoshesa iyo pfuma sekunge iwe wakabhadhara mari yacho.
Iti mari yekubhadhara mushure mezvose izvo zvinodhura iwe wakaderedzwa ndeye $ 24,000. Iye zvino gurai mari iyo yekushandisa mari yekutengesa nemutengo wekutengesa kuti uuye pa cap rate: $ 24,000 mune mari inosanganiswa ne $ 300,000 mutengo wekutengesa inokupa uwandu hwemari ye00 kana 8 muzana.
Nzira Yokushandisa nayo Cap Rate
Mumwe mutengesi anogona kushandisa kapi yezvikamu nenzira mbiri. Angave achida kukoshesa chivako chaanoda kutengesa kuburikidza nemari yemari yemari yemamwe achangobva kutengesa zvinhu zvakafanana, kana kuti angada kuziva kana mari inobvunzwa yeimba inonzwisisika kana ari kufunga kuitenga.
Paunotengesa
Ngatiti iwe une purojekiti duku uye unoda kuzvitengesa. Iwe unounganidza ruzivo pamusoro penguva ichangobva kutengesa zvinhu munzvimbo yakangofanana newe. Vanogona kuva nezvikwata zvakawanda kana zvishomanana, asi iwe unoedza kuwana zvinhu zvakafanana zvakakwanisa kune waunoda kutengesa.
Unowana zvitatu zvakatengesa mukati memakore matatu kana mana akapfuura. Chikamu chinonyengera ndechokukwanisa kuwana mutevedzeri wemari yavo yekushandisa. Dzimwe nguva ruzivo urwu rwunoparidzirwa muhuwandu senzvimbo yekutengesa, asi kazhinji haisi, kunyanya kana mambure ekushandisa mari asina kunaka. Iwe unogona kuwana rudzi urwu rwemashoko kubva kune venguva yezvokutengeserana zvemaimba, zvisinei, kunyanya kana iwe uchange uchitarisa pfuma yekutengeswa naye.
Saka iwe unosvika pamatatu emapapu emapurisa anokwana 9.2 muzana. Nzvimbo yako yehupfumi yemari yekushandisa ine $ 31,000. Iye zvino zvose zvaunofanirwa kuita ndekuparadzanisa mambure ekushandisa mari nemutengo wekodhi: $ 31,000 yakakamurwa ne0092 inosvika ku $ 226,957. Pane kukosha kweimba yako.
Iwe unogona kugadzirisa mutengo waunoda kukumbira chivako pane chiyero uye wochiisa mumusika.
Paunenge uchifunga nezvokutenga
Iwe uchashanda nezvinyorwa zvakanyorwa paunenge uchifananidza zvinhu zvekutenga mutengo. Izvi zvinoita kuti zvive nyore nyore kuwana mambure avo ekushandisa mibairo uye kuverenga hovha yega yega yega. Iwe unokwanisa kuzvienzanisa kuti uone kuti chii chaizoita kuti utenge zvakanakisisa.
Asi chengetedza mari yavo uye zvikwereti zvachose, nokuti mumwe angasimuka kumusoro kana iwe ukwanisa kuona mikana yekudhura mari kana kuwedzera mari.
Iwe unogona kuwana kuti mari inoshandiswa zvakasimbirira yeimba yemhando uye yakakura, kana iwe ungaona kuti mari inotengeswa iri pasi pemari yemari yekuenzaniswa kwezvivako. Zvimwe zvezviitiko izvi zvinowedzera chikwata chechikwata, zvichiita kuti zvive nani pane zvigadziri kana zvikaruramiswa.
Ngatitaurire kuti une ziso pane imwe purojekiti duku yeimba yepamusoro yakadhindwa $ 495,000. Izvi zvakakosha here mumusika wekozvino kana uri wepamusoro? Zvakare, tora zvimwe zvakafanana nezvinhu uye wepamusoro kutengesa kap rate. Tichashandisa 9.2 muzana purogiramu zvakare semuenzaniso.
Kana iyo mambure ekushandisa mari iyi ye $ 39,500, inofanirwa kubhadhara mutengo here? Aiwa, nokuti kugovera iyo mari inowanikwa nekopu inoita kuti iwe uwane $ 429,348. Mutengo unobvunzwa we $ 495,000 inongova pamusoro pechiratidzo.
Ndeipi yekusvitsa inoshandiswa inoshandiswa iwe yaunoda kuti uwane iyo iyo mutengo wekukosha? Shandura maitiro uye uwedzere mutengo unobvunzwa nehafu yekafu. Wedzera $ 495,000 ne 9,2 muzana uye iwe unouya nekodzero inoshandiswa inoshandisa mari ye $ 45,540.
Asi yeuka, pane zvingava nezvikonzero zvakanaka nei chivakwa chingave chikonzero chekutengesa zviri nani. Inogona kunge iri nzvimbo kana zvinhu uye hutano hwezvivako nenharaunda. Chinhu chose chinofanira kuongororwa musati maita chisarudzo, asi chikwata chechikwata chinobatsira.