01 - Kuchengetedzwa Kwemazimba Kwekutsvaga Kwekutsvaga Kwakawanda Izvo Zvose uye Inofanirwa
Ndakanga ndichitarisa pane zvingave zvisingabhadharwe kune rimwe zuva. Yakanga iri yechina chikwata chemhuri-yemhuri yaive ichichengetwa muridzi wayo muridzi, uyo akanga aripo kwemakore makumi matatu. Muridzi wacho akanga ari mudzidzi wepamusoro uye paiva nemhando dzose dzemagetsi-a-brac uye antique akapararira munzvimbo yose. Nzvimbo yacho yakanga isingabatanidzwi zvakanaka. Chigadziro chinoda kuchinjwa uye pasi zvakagadzirwa. Nheyo yekutendeuka yakanga yakakonzera pasi munzvimbo uye yakagadzira matanho makuru aikwira uye akadzika masvingo akasiyana-siyana.
Ndakatarisa nzvimbo pamwe neshamwari dzangu - murume nemudzimai vaifarira kupinda mune zveimba. Vakanyora nzvimbo yacho kubva panguva yavakapinda musuo. Asi pandakaona izvo zviputi uye kuputika ndakaona chinhu chimwe: mari. Zvinetso zveSvondo zvinotyisa varairi vese, izvo zvinoderedza kukwikwidza uye zvinogona kuderedza mitengo.
Asi ungaongorora sei chibvumirano chakadai? Kana kuti chero zvipi zvayo, nokuda kwechinhu ichocho? Pamwechete, ndinoputsa zvidzidzo pasi muzvikamu zviviri:
• Kuenzanisa: Ndingatarisira sei kuti nzvimbo yacho iite sekutsvaga? Kune chikamu ichi, ndinogona kurova chikwata changu, kana chepafurasi yangu, kana chekuongorora purogiramu yangu uye ndinomhanya dzimwe nhamba.
• Kufanirwa: Ndinofanira kuzvibvunza "Ndingazvibvisa here?" Kana iwe wakafanana nehuwandu hwevatengesi vezvivako, ipapo iwe uri chikamu chemazana. Izvozvo zvinoreva kuti iwe unofanira kutora chirongwa ichi pamusoro pe "zuva rekushanda" kwako uye urigadzire gare gare. Ichi chikamu chekuongorora chinotora kumwe kutsvaga mweya; imwe yekupora haizokubatsiri pano.
02 - Wakawanda - Runomhanya Nhamba Kushandisa Cap Rate
Pamwe, ndinowanzoona zvitatu zvinokosha apo ndiri kufunga nezvekutsvaga. Cap rate , ndiyo yekutanga yezvidzidzo izvi.
Cap rate ndiyo inowanikwa gore rega rega mari inopatsanurwa nemutengo weimba yacho. Kwemakore, varimi vave vachishandisa "1% mutongi" iyo inongotaura chete kuti mari yekubhadhara mari pamwedzi yega yega inofanira kuva inenge 1% yemutengo waunobhadhara pfuma. Dzimwe misika yakabva kune chiyero ichi nekuda kwekugadzirisa mararamiro emitengo, asi kune vamwe, unogona kuwana nzvimbo dzinokodzera kutonga 1%. Chimwe chinhu chaunofanira kuchengeta mupfungwa, kunyange zvakadaro, ndechokuti mutemo we1% wechigunwe chiratidzo chekanaka chekuti kana kwete iyo pfuma ichaita kuti pave nekukwira kwakakwana kwemari pagore rekuvhara mari yekubhadhara mari pamwe nemari. Ikoko, hongu, pane zvakawanda zvakasiyana-siyana zvinopinda mune izvi (kubva pamitero kusvika kune chikwata chezvikwereti kusvika pamapato pasi kubhadhara iwe unobhadhara) asi iri kutanga.
03 - Cash Flow semuwandu hwekuongorora Chirongwa
Chikonzero chega chaunofunga pamusoro pekuvhara kwekodzero ndeyekuti uri kuedza chaizvo kuti uonekwe nyore nyore kune mari yorudzii iyo inotengeswa ichaita. Mukutsvaga mari, mari ndeye mambo - usatora izvi kuverenga panjodzi yako.
Kuyera cashflow kunosanganisira kuronga mari yakawanda inotarisirwa kunze kwemitengo (mitero, gurukota, kufarira, mari, nzvimbo, mari, kugadziriswa) uye kuenzanisa nemari inowanikwa iyo pfuma. Iwe unogona kuita izvi zvichienderana nespredishiti kana kushandisa real estate evaluation software package .
04 - Zororo rekudzoka seNotitative Real Estate Investment Analyse Tool
Cashflow, zvakare, ichakubvumira iwe kuti uverenge iyo inotarisirwa yeimba yehuta yekudzoka (ROR). Mubairo wekudzoka ndiwo chiyero chekubatsira; inoyera mari iyo chirongwa chichagadzira nemari yaunofanira kuisa muurongwa.
Iwe uchada spreadsheet kana kuti real estate evaluation software kuti uverenge chiyero ichi. Ndinofunga kuti inobatsira kwazvo nokuti inondibvumira kufananidza kudzoka kwandiri kutarisira kubhadharwa kusanganisira vs. kudzoka kwandingatarisira kune zvimwe, kushambadzira kwakawanda. Somuenzaniso: kana ndakamhanyira nhamba yeimba yandakatsanangura pakutanga kwechinyorwa ichi uye yakadzorera kwandiri chiyero chekudzoka kwe8% ndingazombopfuura.
Ndinogona kutarisira kuwana 8% kuisa mari mumusika wekutengesa (panjodzi yakaderera, uye zvishoma zvakanyanya kushanda). Nokuda kwengozi uye simba randinofanira kuisa muurongwa uhwandinotarisira kutora kwekudzoka zvakanaka kuchamhembe kwe20%.
05 - Anofanirwa - Unokwanisa Kuwana Idaiti?
Sezvandambotaura pamusoro apa, calculator yako haizobatsiri pano. Iyi ndiyo apo iwe unofanirwa kutarisa mugirazi uye funga kuti inguva yakareba sei uye simba rako raunokwanisa kupa kune purojekiti.
Zvakare, ngatitarisei purojekiti yandakambotaura pamusoro pekutanga kwechinyorwa ichi. Ngatiti iwe uri kuenzanisa nemukana wakafanana; imwe mamiriyoni emhuri munharaunda imwechete asi iyo inoda kudarika basa. Iwe unotora mukana iwoyo pamusoro pegadziri-wepamusoro kunze kwekuti wechipiri wacho wakapa huwandu hwakanyanya hwekudzoka. Asi zvakakura zvakadini?
Kutanga vatengesi ini ndinogara ndichipa mazano akafanana: Munharaunda ino inotadza kune rumwe rutivi rwekuchenjerera. Chimwe chinhu chaunogona kuita chiri nani zviri nani kupfuura iyo yawakapisa panguva yaunenge uri pakati payo. Tsvaga chimwe chinhu mukunyaradza kwako chinopa humwe nhamba dzakanaka, ita kuti zviitwe, uye enda kune chinonetsa (uye une tariro inobatsira zvikuru) kuronga nguva inotevera.
Mhedziso:
Kuongorora kunosanganisira chikamu, chikamu chesainzi. Tarisa pane dzimwe nyaya dziri muchikamu ichi kuti uwane dzimwe pfungwa pamusoro pekuongorora mari.
Munyori weChris Smith ndiye mubhadhati weimba yemuzinda, muvambi wekutsvaga muInternet yevatengesi uye vepfumi vadzidzisi uye akabudisa nyaya mu Corporate Corporate Magazine, Euromoney, uye Business Journal Network.