Mari yekurega basa ne real estate investment

Retirement yako iri kukurumidza kuuya asi hauna kuchengeta zvakakwana? Sezvineiwo, hazvina kumbononoka kugadzirira pamudyandigere wako. Real estate investimendi ndiyo inosarudzwa mhinduro yekupa mari yako pamudyandigere.

Nekuda kwerendi dzakaunganidzwa, real estate inogadzira nguva dzose mari inopinda. Icho chinoyemurika chinoyemurika kuchengetedza kwayo chiyero chekurarama mushure me60. Vazhinji vakuru vanovimba nedombo kuti vawedzere penjeni yavo.

Tsvaga mune ino chinyorwa maitiro ekutora mukana wezvivakwa kuti uwane mari yakadzikama yako pamudyandigere. Tichaongorora mhando dzakasiyana dzekudyara dzinofanirwa kufarirwa. Tichagadzirisawo nyaya yezvikwereti nemitero.

Tevera gwara! Hazvina kumbononoka kugadzirira zvakanaka pamudyandigere. Asi tisati tatanga, hezvino Iwe ungaita sei mari zviri nani pamudyandigere wako weramangwana?

 Handeyi !!

🌿 Chii chinonzi real estate investment?

A real estate investment inosanganisira kutenga real estate nechinangwa chenhaka uye kudzoka kwemari. Kune nzira dzakasiyana dzekuita rudzi urwu rwekudyara.

Chinonyanya kukosha ndechekutenga imba kana imba yekurenda. Muridzi anobva agashira mari yekurojesa yemwedzi nemwedzi inoenderana nerendi, panofanira kubviswa miripo yenzvimbo yacho. Chinangwa ndechekufumura kudzoka kwegore negore nekuda kwerendi dzakaunganidzwa.

Nyaya yekuverenga: Zvese nezve Lucky Games nhengo 

Iwe unogona zvakare kutenga chivakwa mukati chinangwa chekuchitengesa zvakare makore mashoma gare gare nokuona kukosha kwakawedzerwa. Uku kuwana mari kunouya kana kubva mukukwira kwemusika wezvivakwa, kana kubva mukudzokororwa kwenzvimbo mushure mekuvandudza basa rinoitwa nemuisi.

Chero zano, real estate investment inofanira funga nezvenguva refu. Diversification inokurudzirwa zvakare kuitira kuti usatarise njodzi dzese pachinhu chimwe chete.

🌿 Chengetedza mari munzvimbo yakakura yekugara

Imba huru yekugara inofanirwa kuve yakapamhama zvekuti ingazorendwazve kana waenda pamudyandigere. Funga nezvazvo usati watenga kana kuvaka.

Sarudze imba ine annex yakazvimirira kana imba hombe ine makamuri maviri akaparadzana. Iwe unogona ipapo kurenda kunze kwechikamu chepfuma kuti uwane mari. Zviri nyore kurojera munhu mumwe chete pane kurojesa mhuri.

Nyaya yekuverenga: Maitiro ekuita mari neBC.game Affiliates?

Vavarira nzvimbo yepakati, yakanyatsobatanidzwa kuti kurenda kuve nyore. Kuvhara kwakanaka, kubhadharisa kwakaderera, kupaka: imba yacho inofanira kunge iri inoshanda kukwezva maroja.

Un Lease yakapihwa inobatsira zvakanyanya pane kuroja kusina chinhu. Ipa fenicha yemhando yepamusoro nemidziyo.

Kurenda kwemwaka muzhizha, kurojesa kwevadzidzi, kuchinjisa kamuri: wedzera mikana yekuwedzera mari.

Fungidzira chero basa rekufambisa kugarisana nekurojesa. Imba yakatsvikinyidzana kana kuti yakasakara ichanetsa kuroja.

🌿 Tora chivakwa chekurenda kuti upe mari yako pamudyandigere

Kutenga imba inoitirwa kurojesa chete imari yakanaka yekupa mari yako pamudyandigere. Marendi anounganidzwa anoumba imwe mari yakawedzerwa kana waenda pamudyandigere.

Kuti uwedzere kuiswa:

• Sarudze nzvimbo diki iri nyore kurenda : studio, makamuri maviri, imba ine mwero. Rent ichakwira pa m2.
• Vavarira nzvimbo ine hunyanzvi : pedyo neyunivhesiti, pakati peguta, metro, zvitoro. Kudiwa kwekuroja kuchave kwakakosha.
• ita basa kugadzirisa nzvimbo yekugara usati wairenda: parquet, magetsi, imba yekugezera.
• Equip at least: mubhedha, hotplates, firiji. Izvi zvinofambisa mari yakawanda yerendi.
• Bheja pamutero unobatsira weLMNP (Non-Professional Furnished Rental Company). Zvinogoneka kuregererwa mutero.
• Chengetedza kuchengetedza kuchengetedza kune zvingangoitika: basa rekukurumidzira, rendi yezororo, mabhiri asina kubhadharwa.

Kana iwe uchitova nemudziyo, funga zvakare kuirenda mushure mekunge waenda pamudyandigere. Marendi anozounza akakosha ekuwedzera.

🌿 Isa mari yako yawakachengeta muSCPI

Imwe nzira yekubhadhara yako pamudyandigere ndeyekuita SCPI investments. SCPIs (Civil Real Estate Investment Companies) inobvumira kuisa mari mukurojesa real estate nenzira iri nyore.

Isu tinotenga migove yeSCPI iyo inopa kodzero yechikamu chemari yerendi inounganidzwa paboka rezvivakwa zvinotungamirwa nenyanzvi.

Sarudza SCPI yakasimwa mari mudzimba dzekugara. Chinangwa che a goho rinobva pa4 kusvika ku5% kuti uwane mari yakasununguka.

Unogonawo kusarudza for real estate life insurance. Isu tinodyara muzvikamu zveakaundi inotsigirwa neSCPIs, ine zvakanakira inishuwarenzi yehupenyu: kubuda mu annuity kana capital yesarudzo yako.

Muchokwadi, maSCPIs ndiwo ari nyore ekudyara zvivakwa kubata kuti uwedzere mari yako yemudyandigere pasina kunetseka.

🌿 Bet palife annuity

Life annuity igadziriro yakachenjera yezvemari nedzimba inobvumira munhu akwegura, mutengesi, kutengesa pfuma yake (imba, furati, ivhu, zvichingodaro) asi achichengeta kodzero yokugaramo kusvikira vafa. Iyi tekinoroji inokubvumirawo kuti uite bhadhara mari yako yekuzorora zviri nyore.

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Mutengi anobva abhadhara mari inonzi “bouquet” iyo inomiririra chikamu chemutengo wekutengesa, kazhinji pakati pe10% ne30%. Mutengo wasara unobhadharwa nenzira ye“life annuity” aibhadhara nguva nenguva kumutengesi panguva yeupenyu hwake.

Mutengi anongove nemuridzi uzere wemudziyo parufu rwemutengesi, uyo anenge ari muridzi asina chinhu panguva ino. Mutengo unoenderana nezera remutengesi uye nekudaro pane yake fungidziro yenguva yeupenyu.

Saka life annuity imari yezvivakwa nemutengo wakaderera kune mutengi asi ine njodzi kana akakanganisa nezvehupenyu hwasara hwemutengesi ari kugara.

Zvakanakira life annuity yekurega basa:

• mutengo wakaderedzwa, zvichiita kuti zvikwanisike kuisa mari mumudziyo wakanaka. Kusvikira -50% yemutengo wemusika.
• Mari inogoneka kana mugari akatambira chikamu chidiki.
• Advantageous taxation : hapana mutero wemari inowanikwa parufu rwemugari.
• Dzokera pakudyara parufu kana kutengeswazve kwenzvimbo kana rendi.

Sarudza hupenyu hwako annuity nekuchenjera: munzvimbo chaiyo, anogara asina kuchembera, hunyanzvi hwekurapa. Urongwa hwakangwara hwekuisa mari mumatombo kana paine kushomeka kwemupiro.

🌿 Shandisa chikwereti chemba

Kuvaka portfolio yekurenda, usazeza kushandisa rendi, kunyangwe pedyo nekurega basa. Kukwereta kunoramba kuchikwezva kana kupihwa mitengo yakaderera iripo.

Semazano, dzikamisa huwandu akakwereta pamwero we50% weukoshi pfuma kuti ive nyore kuwana chikwereti. Kurukurai a chikwereti pamusoro pemakore gumi nemashanu zvakanyanya. Chakanakira kuripa usati waenda pamudyandigere.

Nyaya yekuverenga: PariMatch vanobatana: wana makomisheni pasina kutamba

Kuda muyero wakatarwa kudzivirira kukwira kwemitengo. Kunyange kana zvichireva kubhadhara zvishoma.  Sarudza iyo yakachipa inokwereta inishuwarenzi, zera rako harina basa. Sarudza mari inobhadharwa pamwedzi : hapana kushamisika kana snowball effect.

Kurukurai kutariswa kwemarendi mukuverenga kwereshiyo yechikwereti chako. Amortize capital nekukurumidza kana zvichibvira nekuda kwemarendi akaunganidzwa.

Attention, chikwereti chinofanira kuramba chiripo inogoneka mushure mekurega basa. Mari yako yekurenda yeramangwana inozoda kubhadhara mari dzemwedzi nemwedzi. Nyatsoongorora bhajeti rako.

🌿 Kuvhara

Nekuda kwekudyara mari yekurojesa, unogona kuve nechokwadi chekuwedzera mari yekurenda yako. Zvizhinji zvingasarudzwa zviripo kwauri zvichienderana nebhajeti yako uye hunhu hwako.

Kurenda chikamu chekugara kwako kukuru ndiko mhinduro iri nyore. Kutenga kwakachena kwenzvimbo yekurojesa kune pundutso asi kunoda kutariswa kwakasimba. SCPIs inoita kuti zvikwanise kuisa mari zvishoma kuburikidza nenyanzvi. Iyo life annuity uye mortgage inofanirwa kudzidzwa zvinoenderana nemamiriro ako.

Chero sarudzo yaunosarudza, ronga basa rako nemazvo. Nyatsoongorora zvese zvikamu: mutero, purofiti, muripo wenguva yemberi, njodzi dzekurenda, zvinogona kutengeswa zvakare. Dana kune real estate consultant kuti akutungamirire. Contact us.

Asi usati waenda, heino Maitiro ekugadzira Bhizinesi Risingadzivisike Kupihwa