Kunze kwekuverenga gore rokutanga kudzokera kuhutano , mutengesi wezvivako angashuva kuziva kudzoka kwavo pahutano sezvinoratidzwa makore emangwana kana sevane ruzivo mushure megore rokutanga.
Izvi zvingave zvakakosha, sezvakangoitwa neimba yacho uye mari yekubhadhara yakabhadharwa pane imwe nguva, mari yehutano inotengeswa panguva iyoyo inogona kushandiswa zviri nani pane imwe nzvimbo kana ikozvino kudzoka kwehutano kwakaderera.
- Dambudziko: Nyore
- Nguva Yakakodzera: Maminitsi gumi
Heinoi Sei
- Ita yakarurama sezvinobvira kuongororwa kwemazuva ano kana kuenzaniswa kweimba. Nokuda kwemuenzaniso uyu, tichashandisa $ 510,000 seimba inokosha.
- Tsanangurai mari yekubhadhara mari. Nokuda kwemuenzaniso wedu, ngatimbofungidzira kuti mari yekubhadhara mari iri $ 375,000.
- Zvadaro woverenga Cash Flow pashure pemitero (CFAT) . Tichashandisa $ 17,000.
- Kudzoka Kwatakaita kune Equity ndiyo CFAT / (Value - Payoff):
$ 17,000 / ($ 510,000 - $ 375,000) = .126 kana 12,6% ndiyo kudzoka kwedu kuEquity
Mazano
- Mumuenzaniso uyu, kudzoka kwehutano kunoratidzika kufanana nekuenzaniswa nehuwandu hwehuwandu hwezvikwereti. Zvisinei, kana chikwereti chakanga chabhadharwa zvakanyanya uye kukosha kwainge kwawedzera, chigumisiro chacho chingave chakave chehafu kana kuti 6%.
Muchiitiko ichocho, zvinogona kuti kutengesa dzimba nekutsvaga mari mune imwe inenge iine huchenjeri nekuda kwe ROE iri nani pane imwe nzvimbo.
Ngatitsvakei ROI muIndaneti Pfuma Inoshandiswa
Kune zvimwe zvikonzero zvakanaka chaizvo nei vatengi vachiona kuti kutengesa zvinhu kubva mumatengo uye mazvisungo zvekutengesa kune zvivako zvinogona kuwedzera zvakanyanya ROI yavo, Kudzokera kuInvestment.
Ngatitarisei pane zvinoita kuti dzimba dzive dzakakosha zvikuru:
- Usingatauriki: Iko chinhu chinokosha chaunonyatsochengetedza pakurasikirwa. Kana yakakuvara kana kuparadzwa, iwe unobhadharwa. Kana iwe uine zvikamu zvekutengeswa uye kambani inowedzereka kana kune yakaipa mari yekuwana nhau uye zvikamu zvako zvekugovera zvakaputsika, ndiko kuputsa.
- Zuva: Vanogona kuramba vachidhinda uye vachibudisa zvikamu zvezvikwata mukambani, asi kune zvakawanda chaizvo zvekugara munyika. Hongu, iwe unogona kuvaka chimwe chinhu pamusoro payo, asi ichiri imwechete imwechete imwe yenyika yakasiyana.
- Imari Kubhadhara Mitero Inobatsira: Zvaunobatsira kana mashizha atengeswa anoonekwa mugore razvo zvatengeswa, kwete kunze. Iwe unogona kushandisa 1031 Tax Deferred Exchange kubva ku IRS kuti ureve mari inowanikwa mari inobhadhara mitero kubva kukutengesa kwemazvivakwa zvemaimba. Chaizvoizvo, unogona kuzvidzivirira nokusingaperi! Kana iwe wakanga uri kukura chikwereti chako pamakore achishandisa 1031 Kuwedzana kwakanaka, hauna kubhadhara mari ipi zvayo inowanikwa mubhadharo. Iwe unofanirwa kupfuura, vagari venhaka vako vanogara nhaka yepfuma pahuwandu hwazvino huchienda-uye, uye iyo yose inowanikwa zvikwereti inongoenda! Hongu, iwe unogona nenzira inozvitora iwe.
- Cash Flow uye Kukoshesa Kudzoka: Imba yakatarwa kwenguva yakaratidza kuwedzera kwekukosha, kunyange kune hukcups munzira. Saka, uine chivako chekubhadhara, uri kuwana kuenzana kuburikidza nekuonga uye iwe uri kuiridzira kunze kwezvinotarisirwa kuti uite zvakanaka pamwedzi pamwedzi.
- Kukura kweEquity kuburikidza nekubhadhara pasi Mortgage: Uri kubhadhara mari yekubhadhara chikwereti mwedzi wose, uye chikamu chayo chinoenda kune kuenzana. Iwe uri kuvaka kukosha kwezvinhu zvingakwereti iwe unogona kukwereta pamitengo yakanaka kwazvo.
- Kudhura Kwakawanda Kwakawanda: Unosvika pakurambidza kutarisira, kuchengetedza, uye kushandiswa kwemari, pamwe chete nemitero yeimba yepamusoro inopesana nemari yako kana kunyange mari inobva mune dzimwe mari.
- Kuyeuka kwechipo chipo: Unogona kuderedza kukosha kwechimiro (kwete nyika) kwemakore 27.5. Iyi haisi mari yawakapedza, asi iwe unowana dola-ye-dollar kunyora-pota pamusoro pemari yekuderedza gore negore.
- Kubatsira Kwakaipisisa-Ngozi: Kushandisa mari yekugadzirisa mari, unogona kushandisa 80% kana kupfuura yekutenga mari yekubhadharwa. Nei uchipedza $ 200,000 kutenga imwe yemusha mari apo iwe unogona kutenga vana vavo nekutora mari uye kuisa iyo mana mari inoyerera mubhangi mwedzi woga woga?