Limbani ndalama zanu zopuma pantchito ndi ndalama zogulitsa nyumba

Kupuma kwanu kukuyandikira koma simunasunge mokwanira? Mwamwayi, sikunachedwe kukonzekera kupuma kwanu. Kugulitsa malo ndi njira yabwino yopezera ndalama zanu mukapuma pantchito.

Chifukwa cha lendi zomwe zasonkhanitsidwa, malo ogulitsa nyumba amabweretsa ndalama zokhazikika. Ndi compreciable chothandizira kusunga ake moyo pambuyo pa 60. Okalamba ambiri amadalira mwala kuti awonjezere ndalama zawo zapenshoni.

Dziwani m'nkhaniyi momwe mungagwiritsire ntchito mwayi wogula malo kuti mupeze ndalama zopuma pantchito. Tiwonanso mitundu yosiyanasiyana yamabizinesi yomwe ingakonde. Tikambirananso nkhani ya ngongole ndi msonkho.

Tsatirani kalozera! Sikuchedwa kwambiri kukonzekera kupuma pantchito. Koma tisanayambe, apa Kodi mungalipire bwanji ndalama zanu zopuma pantchito?

 Tiyeni tizipita !!

🌿 Kodi kugulitsa nyumba ndi nyumba ndi chiyani?

Ndalama zogulira malo ndi kugula malo ndi cholinga chopeza cholowa ndi kubwezeretsa ndalama. Pali njira zosiyanasiyana zopangira ndalama zamtunduwu.

Chodziwika bwino kwambiri ndikugula nyumba kapena nyumba yobwereketsa. Wogulitsa ndalama ndiye amalandira ndalama zobwereketsa pamwezi zomwe zimagwirizana ndi lendi, pomwe ndalama zomwe zili m'nyumbayo ziyenera kuchotsedwa. Cholinga ndikuvumbulutsa kubweza kwapachaka chifukwa cha lendi zomwe zasonkhanitsidwa.

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Mutha kugulanso malo mkati cholinga chochigulitsanso patapita zaka zingapo pozindikira kufunika kowonjezera. Kupindula kwakukulu kumeneku kumabwera mwina chifukwa cha kukwera kwa msika wogulitsa nyumba, kapena kuwunikanso kwa malowo pambuyo pa ntchito yabwino yomwe woyimilirayo adachita.

Kaya ndi njira yotani, ndalama zogulitsa nyumba ziyenera ganizirani za nthawi yaitali. Kusiyanasiyana kumalimbikitsidwanso kuti musayang'ane zoopsa zonse pa katundu yemweyo.

🌿 Ikani ndalama m'nyumba yayikulu yayikulu

Nyumba yayikulu iyenera kukhala yayikulu mokwanira kuti mubwerezenso pang'ono mukangopuma. Ganizirani izi musanagule kapena kumanga.

Kukonda nyumba yokhala ndi chowonjezera chodziyimira payokha kapena chipinda chachikulu chokhala ndi zipinda ziwiri zosiyana. Mutha kubwereka gawo lina la malowo kuti mupange ndalama. Nkosavuta kubwereka kwa munthu wosakwatiwa kusiyana ndi banja.

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Khalani ndi malo apakati, olumikizidwa bwino kuti kubwereka kukhale kosavuta. Kutsekereza kwabwino, zotsika mtengo, kuyimika magalimoto: nyumbayo iyenera kukhala zogwira ntchito kukopa ochita lendi.

Un kubwereketsa kumakhala kopindulitsa kwambiri kuposa yobwereka yopanda kanthu. Perekani mipando yabwino ndi zipangizo.

Kubwereka kwanyengo m'chilimwe, kubwereketsa kwa ophunzira, kubwereketsa chipinda: chulukitsa mwayi wopeza ndalama zowonjezera.

Yembekezerani ntchito iliyonse kuti muthandizire kukhalira limodzi ndi kubwereka. Nyumba yomwe ili yopapatiza kwambiri kapena yonyowa zimakhala zovuta kubwereka.

🌿 Pezani malo obwereketsa kuti mulipirire ndalama zanu zopuma pantchito

Kugula nyumba yoti mungobwereka basi ndi ndalama zabwino zokuthandizani kuti mupume pantchito. Ma renti omwe amasonkhanitsidwa amakhala ndi ndalama zowonjezera mukangopuma.

Kupititsa patsogolo kuyika:

• Kondani kanyumba kakang'ono kosavuta kubwereka : studio, zipinda ziwiri, nyumba yabwino. Ma renti adzakhala apamwamba pa m2.
• Yesetsani kupeza malo abwino : pafupi ndi yunivesite, pakati pa mzinda, metro, masitolo. Kufuna kobwereka kumakhala kwakukulu.
• gwirani ntchito kukonzanso malo ogona musanabwereke: parquet, magetsi, bafa.
• Khalani ndi zida zosachepera: zofunda, hotplates, firiji. Izi zimathandizira kubwereketsa kopindulitsa kwambiri.
• Kubetcherana pa msonkho wopindulitsa wa LMNP (Non-Professional Furnished Rental Company). Kukhululukidwa msonkho kotheka.
• Sungani ndalama zodzitetezera kuti mupewe ngozi: ntchito yofulumira, renti yatchuthi, ngongole zomwe simukulipire.

Ngati muli ndi malo kale, ganiziraninso kubwereka mukapuma pantchito. Ma renti adzakhala owonjezera kwambiri.

🌿 Ikani ndalama zanu mu SCPI

Njira ina yopezera ndalama zopuma pantchito ndikupanga ndalama za SCPI. SCPIs (Civil Real Estate Investment Companies) amalola kugulitsa nyumba zobwereketsa m'njira yosavuta.

Timagula magawo a SCPI omwe amapereka ufulu wogawana nawo renti yomwe imasonkhanitsidwa pagulu lazinthu zomwe zimayendetsedwa ndi akatswiri.

Sankhani SCPI yoyikidwa mu malo okhala. Cholinga cha a zokolola zonse za 4 mpaka 5% kuti apeze ndalama zowonjezera.

Mukhozanso kusankha kwa inshuwaransi ya moyo weniweni. Timayika ndalama m'mayunitsi aakaunti mothandizidwa ndi ma SCPIs, ndi zabwino za inshuwaransi ya moyo: kutuluka mu annuity kapena capital yomwe mungasankhe.

M'malo mwake, ma SCPIs ndi njira yosavuta yosungira malo ndi malo kuti muthe kuwonjezera ndalama zanu zopuma pantchito popanda nkhawa.

🌿 Kubetcherana pa life annuity

Life annuity ndi dongosolo lanzeru lazachuma ndi malo limene limalola munthu wokalamba, wogulitsa, kugulitsa katundu wake (nyumba, nyumba, malo, ndi zina zotero) pamene ali ndi ufulu wokhala kumeneko mpaka imfa yake. Njirayi imakupatsaninso mwayi perekani ndalama zanu zopuma pantchito mosavuta.

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Wogula nthawi yomweyo amalipira ndalama zotchedwa "maluwa” zomwe zikungoyimira gawo limodzi la mtengo wogulitsa, kawirikawiri pakati pa 10% ndi 30%. Mtengo wotsalawo umalipiridwa ngati "moyo annuity” ankalipira nthawi ndi nthawi kwa wogulitsa pa nthawi ya moyo wake.

Wogula adzakhala ndi umwini wathunthu wa malowo pakamwalira wogulitsa, yemwe ali mwini wake wopanda kanthu pakadali pano. Mtengo umadalira zaka za wogulitsa ndipo chifukwa chake kuyerekeza zaka za moyo.

Choncho, life annuity ndi ndalama zogulira nyumba zotsika mtengo kwa wogula koma zowopsa ngati akulakwitsa pa moyo wotsala wa wogulitsa.

Ubwino wa life annuity pakupuma pantchito:

• mtengo wotsika, kukulolani kuti mupange ndalama mu malo okongola. Mpaka -50% ya mtengo wamsika.
• Ndalama zotheka ngati wokhalamo avomereza kagawo kakang'ono.
• Misonkho yopindulitsa : palibe phindu lolipira msonkho pa imfa ya wokhalamo.
• Bwererani pa ndalama pa imfa ngati kugulitsanso katundu kapena lendi.

Sankhani ndalama zanu zapachaka mosamala: pamalo oyenera, okhalamo osakalamba kwambiri, ukadaulo wamankhwala wolondola. Kukonzekera mwanzeru kuyika ndalama pamwala ngati palibe chopereka.

🌿 Gwiritsani ntchito ngongole yanyumba

Kuti mupange mbiri yobwereka, musazengereze kugwiritsa ntchito ngongole yanyumba, ngakhale mutatsala pang'ono kupuma pantchito. Kubwereka kumakhalabe kosangalatsa chifukwa cha mitengo yotsika.

Monga malangizo, chepetsani ndalamazo adabwereka mpaka 50% ya mtengo wake katundu kuti athe kupeza ngongole. Kambiranani a ngongole pazaka 15 pazipita. Choyenera ndikubwezera musanapume.

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Kukonda mlingo wokhazikika kuti mupewe kukwera mitengo. Ngakhale kutanthauza kulipira pang'ono.  Sankhani inshuwaransi yotsika mtengo kwambiri, zaka zanu zilibe kanthu. Sankhani malipiro a mwezi uliwonse : palibe zodabwitsa kapena chipale chofewa.

Kambiranani malingaliro a renti powerengera chiŵerengero cha ngongole zanu. Amortize likulu mofulumira ngati n'kotheka chifukwa cha renti anasonkhanitsa.

Chenjerani, ngongoleyo iyenera kukhalabe zokhazikika pambuyo pantchito. Ndalama zomwe mudzapeze m'tsogolomu zidzafunika kulipira pamwezi ndi chindapusa. Ganizirani bajeti yanu mosamala kwambiri.

🌿 Kutseka

Chifukwa cha ndalama zobwereketsa, mutha kuwonetsetsa kuti mumapeza ndalama zowonjezera mukapuma pantchito. Zosankha zingapo zilipo kwa inu kutengera bajeti yanu ndi mtima wanu.

Kubwereka gawo la nyumba yanu yayikulu ndi njira yosavuta. Kugula kowona kwa malo obwereketsa kumakhala kopindulitsa kwambiri koma kumafuna kuwunika mozama. Ma SCPI amapangitsa kuti pakhale zotheka kuyika ndalama mongogwiritsa ntchito akatswiri. The life annuity ndi mortgage ziyenera kuwerengedwa malinga ndi momwe mulili.

Chilichonse chomwe mungasankhe, konzani polojekiti yanu mosamala. Unikani mosamala mbali zonse: misonkho, phindu, zolipiritsa zamtsogolo, zoopsa zobwereketsa, kugulitsanso kotheka. Itanani mlangizi wa nyumba kuti akutsogolereni. Contact Ife.

Koma musanachoke, nayi Momwe Mungapangire Bizinesi Yosatsutsika