Yenza imali yomhlalaphantsi wakho notyalo-mali lwezindlu nezindlu

Umhlalaphantsi wakho usondele kodwa awugcinanga ngokwaneleyo? Ngethamsanqa, alikho ixesha lokulungiselela umhlala-phantsi wakho. Utyalo-mali lwezindlu nomhlaba sisisombululo esithandwayo sokuxhasa ngemali umhlala-phantsi wakho.

Ngombulelo kwiirenti eziqokelelweyo, izindlu nomhlaba zingenisa imali rhoqo. Luncedo oluxabisileyo ukuyigcina umgangatho wokuphila emva kwe60. Uninzi lwabantu abadala luxhomekeke kwilitye ukuba longeze imali yabo yomhlalaphantsi.

Fumana kweli nqaku ukuba ungalithatha njani ithuba le-real estate ukuhlawulela ngokuzolileyo imali yakho yomhlalaphantsi. Siza kuphonononga iintlobo ezahlukeneyo zotyalo-mali ekufuneka zikhethwa. Siza kujongana nomba wamatyala kunye nerhafu.

Landela isikhokelo! Akukaze kube mva kakhulu ukulungiselela ngokufanelekileyo umhlalaphantsi. Kodwa ngaphambi kokuba siqale, nantsi Ungawuxhasa njani ngcono umhlala-phantsi wakho kwixesha elizayo?

 Masihambe !!

🌿 Yintoni utyalo-mali lwezindlu nomhlaba?

Utyalo-mali lwezindlu nezindlu lubandakanya ukuthenga umhlaba kunye nombono welifa lemveli kunye nembuyekezo yemali. Kukho iindlela ezahlukeneyo zokwenza olu hlobo lotyalo-mali.

Eyona ndlela iqhelekileyo kukuthengwa kweflethi okanye indlu ukuyirenta ngaphandle. Umtyali-mali ke ngoko ufumana umvuzo wenyanga wokurenta ohambelana nerenti, apho kufuneka kutsalwe iintlawulo ezihambelana nepropati. Injongo kukutyhila imbuyekezo yonyaka ebulela iirenti eziqokelelweyo.

Inqaku eliza kufundwa: Konke malunga Lucky Imidlalo ubulungu 

Ungathenga kwakhona ipropathi injongo yokuyithengisa kwakhona kwiminyaka embalwa kamva ngokuqonda ixabiso elongezelelweyo. Le nzuzo yenkunzi ivela mhlawumbi ngokunyuka kwemarike yezindlu, okanye ekuhlaziyweni ngokutsha kwepropati emva komsebenzi wokuphucula owenziwe ngumtyalo-mali.

Nokuba sithini na isicwangciso, utyalo-mali lwezindlu nomhlaba kufuneka cinga ngexesha elide. Ukwahluka kuyacetyiswa ukuze kungagxininiswa kuyo yonke imingcipheko kwipropati enye.

🌿 Tyala imali kwindawo yokuhlala enkulu

Indawo yokuhlala engundoqo kufuneka ibe banzi ngokwaneleyo ukuba ungaqeshwa ngokuyinxenye wakuba urholile. Cinga ngako phambi kokuthenga okanye ukwakha.

Khetha indlu ene-annex ezimeleyo okanye indlu enkulu enamagumbi amabini ahlukeneyo. Emva koko unokuqesha inxalenye yepropati ukuze wenze ingeniso. Kulula ukurenta kumntu omnye kunosapho.

Inqaku eliza kufundwa: Indlela yokwenza imali nge-BC.game Affiliates?

Jonga indawo esembindini, eqhagamshelwe kakuhle ukwenza ukurenta kube lula. Ukufakwa kakuhle, iintlawulo eziphantsi, indawo yokupaka: indawo yokuhlala kufuneka ibe esebenzayo ukutsala abaqeshi.

Un Ingqeshiso enikezelweyo inenzuzo ngakumbi kunerenti engenanto. Ukubonelela ngefanitshala esemgangathweni kunye nezixhobo.

Ukurenta ngamaxesha athile ehlotyeni, ukuqeshisa kwabafundi, ukuncitshiswa kwegumbi: phinda-phinda amathuba omvuzo owongezelelweyo.

Ukuqikelela nawuphi na umsebenzi ukuququzelela ukuhlalisana kunye nokurenta. Indlu exinene kakhulu okanye edilikayo kuya kuba nzima ukuyirenta.

🌿 Fumana indawo yokurenta ukuze uhlawule umhlala-phantsi wakho

Ukuthenga indlu elungiselelwe ukurenta kuphela lutyalo-mali olulungileyo lokuxhasa umhlala-phantsi wakho. Iirenti eziqokelelweyo zenza ingeniso eyongezelelweyo ebalulekileyo xa uthatha umhlala-phantsi.

Ukwandisa ukubekwa:

• Khetha ipropati encinci ekulula ukuyirenta : istudiyo, amagumbi amabini, igumbi eliphantsi. Iirenti ziya kuba phezulu ngem2 nganye.
• Jonga indawo yobuchule : kufutshane neyunivesithi, kumbindi wesixeko, i-metro, iivenkile. Imfuno yerenti iya kubaluleka.
• yenza umsebenzi othile ukwenza indawo yokuhlala ibe yeyanamhlanje ngaphambi kokuyirenta: iparquet, umbane, igumbi lokuhlambela.
• Xhobisa ubuncinci: iindawo zokulala, ii-hotplates, ifriji. Oku kuququzelela ingeniso ethe kratya yokurentisa.
• Ukubheja kwirhafu enenzuzo ye-LMNP (iNkampani yokuRenta eyiNgcali yobuGcisa). Ukhululo lwerhafu olunokwenzeka.
• Gcina ugcino oluluqilima ukulungiselela iimeko ezinokuvela: umsebenzi ongxamisekileyo, irenti yeholide, amatyala angahlawulwanga.

Ukuba sele ungumnikazi wendawo, cinga ngokuyirenta emva kokuba uthabathe umhlala-phantsi. Iirenti ziya kwenza isongezelelo esibalulekileyo.

🌿 Beka ugcino lwakho kwi-SCPI

Enye indlela yokuxhasa ngemali umhlala-phantsi wakho kukwenza utyalo-mali lwe-SCPI. I-SCPIs (iiNkampani zoTyalo-mali lwezindlu zoLuntu) ziyavumela ukutyala imali kwizindlu ezirentwayo ngendlela elula.

Sithenga izabelo zeSCPI ezinika ilungelo kwisabelo serenti eqokelelwe kuluhlu lwezakhiwo ezilawulwa ziingcali.

Khetha i-SCPI etyalwe kwizindlu zokuhlala. Injongo ku imbuyekezo ye-4 ukuya kwi-5% ukwenza ingeniso eyongezelelweyo ekhululekileyo.

Unokukhetha kwakhona kwi-inshurensi yobomi bomhlaba. Sityala imali kwiiyunithi zeakhawunti ezixhaswa yi-SCPIs, kunye nezibonelelo ze-inshurensi yobomi: ukuphuma kwi-annuity okanye inkunzi oyikhethayo.

Ngokwenyani, ii-SCPIs zezona zilula zotyalo-mali lwezindlu nezakhiwo ukulawula ukongezelela umvuzo wakho womhlalaphantsi ngaphandle kokukhathazeka.

🌿 Bheja kwi-life annuity

I-life annuity lilungiselelo lemali kunye ne-real estate elivumela umntu owalupheleyo, umthengisi, ukuba athengise indawo yakhe (indlu, indawo yokuhlala, umhlaba, njl.) ngelixa egcina ilungelo lokuhlala apho de kube sekufeni kwakhe. Le ndlela yobugcisa ikuvumela ukuba xhasa imali yakho yomhlalaphantsi ngokulula.

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Umthengi ngokukhawuleza uhlawula imali ebizwa ngokuba "izimbali” emele inxalenye kuphela yexabiso lentengiso, ngokuqhelekileyo phakathi kwe-10% kunye ne-30%. Ixabiso eliseleyo lihlawulwa ngohlobo “ubomi annuity” wayehlawula ngamaxesha athile kumthengisi kubo bonke ubomi bakhe.

Umthengi uya kuba nobunini obupheleleyo bepropathi kuphela xa kusweleka umthengisi, engumnini ongenanto okwangoku. Ixabiso lixhomekeke kwiminyaka yomthengisi kwaye ngoko kuye Uqikelelo lweminyaka yokuphila.

I-annuity yokuphila ngoko ke yi-real estate investment ngexabiso eliphantsi kumthengi kodwa umngcipheko ukuba akalunganga malunga nobomi obuseleyo bomthengisi ohleliyo.

Iinzuzo zobomi beannuity kumhlalaphantsi:

• ixabiso elithotyiweyo, okwenza kube nokwenzeka ukutyala imali kwipropati entle. Ukuya kuthi ga kwi-50% yexabiso lemarike.
• Ingeniso enokwenzeka ukuba umhlali wamkela incinci encinci.
• Irhafu eluncedo : akukho nzuzo yenkunzi erhafiswayo xa kusweleka umhlali.
• Imbuyekezo kutyalo-mali ngokufa ukuba ukuthengiswa kwakhona kwepropati okanye irenti.

Khetha i-annuity yobomi bakho ngononophelo: kwindawo elungileyo, umhlali akamdala kakhulu, ubuchwephesha bezonyango obuchanekileyo. Ilungiselelo elilumkileyo lokutyala imali kwilitye xa kukho ukungabikho komnikelo.

🌿 Sebenzisa imali yokubambisa

Ukwakha ipotifoliyo yokurenta, ungalibazisi ukusebenzisa imali-mboleko yokubambisa, nokuba usondele kumhlala-phantsi. Ukuboleka kuhlala kunomtsalane xa kujongwa amaxabiso aphantsi angoku.

Njengengcebiso, nciphisa isixa ibolekwe kubuninzi be 50% yexabiso ipropati ukwenza lula ukufumana imali-mboleko. Thetha a credit ngaphezulu kweminyaka 15 ubuninzi. Okona kulungileyo kukuyibuyisela phambi kokuba uthathe umhlala-phantsi.

Inqaku eliza kufundwa: Amalungu ePariMatch: fumana iikomishini ngaphandle kokudlala

Khetha ireyithi emiselweyo ukuthintela ukunyuka kwamaxabiso. Nokuba kuthetha ukuhlawula kancinci.  Khetha i-inshurensi yomboleki enexabiso eliphantsi, iminyaka yakho ayinamsebenzi. Khetha iintlawulo zenyanga rhoqo : Akukho nto imangalisayo okanye i-snowball effect.

Thetha ngengqwalaselo yerenti ekubaleni umlinganiselo wamatyala akho. Amortize i-capital ngokukhawuleza ukuba kunokwenzeka enkosi kwiirenti eziqokelelweyo.

Ingqalelo, imali-mboleko kufuneka ihlale oluzinzileyo emva kokuthatha umhlalaphantsi. Umvuzo wakho wexesha elizayo wokurenta kuya kufuneka uhlawule iintlawulo zenyanga kunye nemirhumo. Qikelela uqingqo-mali lwakho ngononophelo.

🌿 Ukuvala

Enkosi kutyalo-mali lokurenta, unokuqinisekisa ingeniso eyongezelelweyo ekhululekileyo kumhlalaphantsi wakho. Iinketho ezininzi ziyafumaneka kuwe ngokuxhomekeke kuhlahlo lwabiwo-mali lwakho kunye nomoya wakho.

Ukurenta inxalenye yendawo yakho yokuhlala engundoqo esona sisombululo silula. Ukuthengwa kwepropathi erentwayo kunengeniso eninzi kodwa kufuna uqwalaselo olungqongqo. Ii-SCPIs zenza ukuba kwenzeke ukutyala imali ngokungenzi nto ngokusebenzisa iingcali. I-life annuity kunye ne-mortgage kufuneka ifundwe ngokwemeko yakho.

Naluphi na ukhetho olukhethayo, cwangcisa iprojekthi yakho ngononophelo. Hlalutya ngokucophelela yonke imiba: irhafu, inzuzo, iintlawulo zexesha elizayo, iingozi zokurenta, ukuthengiswa kwakhona. Biza umcebisi wezindlu ukuze akhokele. Contact us.

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