Indlela yokuhlalutya inzuzo yepropati erentwayo

Agasti 19 2023 par UFaustin Djoufouet

Abagcini-mali abaninzi bazivumela ukuba bahendwe kutyalo-mali lwerenti, behendwa ngamathemba embuyekezo kunye nokudalwa kwempahla ethengiswayo. Kodwa emva kwezithembiso ezintle kukho imingcipheko kunye nemigibe yokulindela. Nangona kunjalo, ulawulo olusebenzayo lwepropati erentwayo ifuna ulawulo lweendleko. Ukwenza oku, kuya kufuneka ukwazi ukuba njani ukuhlalutya inzuzo yepropathi erentwayo.

Phambi kwayo nayiphi na into ethengiweyo, kubalulekile ukuhlalutya ngendlela eyiyo ingeniso eqikelelweyo yomsebenzi ukufumanisa ukuba inomdla.

Fumana 200% Bonus emva idiphozithi yakho yokuqala. Sebenzisa le khowudi yokuthengisa: argent2035

Kweli nqaku liphandiweyo, Finance de Demain ikunika inkqubo omawuyilandele Amanyathelo ali-10 okuvavanya ngokuzolileyo inzuzo yepropathi yerenti. Kodwa ngaphambi kokuba uqale, nantsi indlela Ukutyala imali kwi-real estate step by step

 Funda kwi...

👉 1. Qikelela umndilili werenti ngem2 nganye ebumelwaneni

Isiseko sohlalutyo lwakho siya kuba kukuqikelela umndilili werenti ngem2 nganye onokuyilindela kwindawo ekujoliswe kuyo. 🏡

Ukwenza oku, jongana nezibhengezo zentengiso yezindlu ezikwindawo leyo malunga nezakhiwo ezifanayo nezakho ngokwendawo yomphezulu, iinkonzo kunye nemeko.

Abapheki beencwadiibhonasiBetha ngoku
ibhonasi : de €1950 + 150 free spin
💸 Uluhlu olubanzi lwemidlalo yoomatshini bokungcakaza
🎁 Ikhowudi yokuthengisa : argent2035
ibhonasi : de €1500 + 150 free spin
💸 Uluhlu olubanzi lwemidlalo yekhasino
🎁 Ikhowudi yokuthengisa : argent2035
✔️ Ibhonasi: phezulu 1750 € + 290 CHF
💸 Ipotfoliyo yeekhasino eziphezulu
🎁 Ikhowudi yokuthengisa : 200euros

Oku kuya kukunika uluhlu oluyinyani lwerenti enokwenzeka ngem2 nganye. Umzekelo phakathi kwe-10 kunye ne-€ 12 / m2 yemigangatho.

👉 2. Bala irenti yonyaka yethiyori

Ukusuka kumndilili werenti ngem2 nganye, kulula ukubala iyonke irenti yonyaka yethiyori enokuthi ipropati yakho iziswe. ✅ Phinda nje indawo yokuhlala ngomyinge werenti ngem2 nganye.

Exemple: 70 m2 x €11/m2 = €770 irenti yenyanga, okanye €9 irenti yonyaka.

Thelekisa le renti yethiyori kunye nezo zentengiso ezifanayo ukuze uqinisekise ukuba usezikhonkwaneni.

👉 3. Dibanisa ireyithi yesithuba esinokubakho

Ukuhlalutya inzuzo yepropathi yerenti, awunakulindela ukuba indawo yakho irente iinyanga ezili-12 kwezili-12 ngonyaka. 📉

Kuyimfuneko ke ngoko ukuquka kuqikelelo lwakho ireyithi yesithuba sokurenta, engqinelana namaxesha apho indawo yokuhlala inokuhlala ingenamntu phakathi kwabaqeshi ababini.

Umyinge we-5 ukuya kwi-10% ufanelekile ngokuxhomekeke kumtsalane wecandelo. Ngaphezu kweenyanga ezili-12, bala iiveki ezi-2 ukuya kwezi-3 zokuphazamiseka.

Lungisa uqikelelo lwakho lwerenti yonyaka ngokuyithoba ngale pesenti yeholide ukuze ufumane izinto eziyinyani.

👉 4. Thabatha iintlawulo zomnini-mhlaba

Zonke iindleko aziloxanduva lomqeshi. Njengomnini, iintlawulo ezithile ziya kuhlala ziluxanduva lwakho. 🧾

Ezona ziphambili zezi:

  • Irhafu yePropati
  • Iintlawulo ze-condominium
  • Iintlawulo zolawulo ukuba zikhona
  • Ukulungiswa okuncinci kunye nokugcinwa kwesiqhelo
  • I-inshurensi (umnini ongahlaliyo, irenti engahlawulwayo, njl.njl.)

Qikelela itotali yonyaka kwaye uyitsale kwirenti yakho ukuze ufumane umvuzo wakho emva kweentlawulo.

👉 5. Bala umnikelo wobuqu oyimfuneko 

Ukuba ufuna ukuboleka, umvuzo wakho wexesha elizayo wokurenta uya kuba nefuthe kwisixa onokuthi usiboleke. 🏦

Ibhanki ngokubanzi iya kuboleka ubuninzi beminyaka eli-15, kwaye iya kufuna umrhumo wobuqu ubuncinane thabatha i-10 ukuya kwi-20%.

Okukhona iphezulu irenti yakho eqikelelwayo, kokukhona iphantsi intlawulo eceliweyo. Qikelela umrhumo wakho omncinci ngokusekelwe kwixabiso lokuthenga lepropati. Kuya kufuneka ukuba ibandakanywe kwisicwangciso sakho senkxaso-mali.

👉 6. Hlanganisa iindleko zemboleko enokwenzeka

Kwimeko apho ubolekwa imali ukuze uthenge ngokuyinxenye, kuya kufuneka uyibuyisele le mboleko nyanga zonke. 💸

Abapheki beencwadiibhonasiBetha ngoku
ibhonasi : de €1950 + 150 free spin
💸 Uluhlu olubanzi lwemidlalo yoomatshini bokungcakaza
🎁 Ikhowudi yokuthengisa : 200euros
ibhonasi : de €1500 + 150 free spin
💸 Uluhlu olubanzi lwemidlalo yekhasino
🎁 Ikhowudi yokuthengisa : 200euros
IMFIHLO 1XBETibhonasi : de €1950 + 150 free spin
💸 Uluhlu olubanzi lwemidlalo yoomatshini bokungcakaza
🎁 Ikhowudi yokuthengisa : WULLI

Ngokuxhomekeke kwireyithi kunye nobude bexesha, qikelela iindleko zonyaka zale mali mboleko kwaye uyitsale kumvuzo wakho wokurenta.

Oku kuya kunika umvuzo wakho oseleyo emva kweerenti, iintlawulo, kunye neendleko zetyala. Inombolo engundoqo. Kwakhona khumbula ukubandakanya i-inshurensi yomboleki.

👉 7. Yongeza izibonelelo zerhafu

Ngethamsanqa, iinzuzo ezithile zerhafu ziza ukuphucula ingeniso yomsebenzi. 💶 Inzala yemali-mboleko itsalwa kumvuzo wakho wokurenta.

Kwaye unokutsala ukuhla kwexabiso lepropathi kumvuzo wakho uwonke. Bala ingeniso yerhafu yonyaka iyonke kunye yongeza kumvuzo wakho oshiyekileyo. Oku kunika iziphumo zakho emva kweerhafu.

👉 8. Bala ireyithi yembuyekezo

Ngoku unazo zonke izinto esandleni ukubala inzuzo enkulu yeprojekthi yakho yezindlu nomhlaba phambi kweerhafu. ✅

Okufuneka ukwenze: Ingeniso yonyaka yerenti / Ixabiso lokuthenga lepropati.

Phumelela nge Betwinner

Fumana 200% Bonus emva idiphozithi yakho yokuqala. Sebenzisa le khowudi yePromo esemthethweni: argent2035

Umzekelo: €7 irenti yonyaka eshiyekileyo / €000 utyalo-mali lokuqala = Ingeniso epheleleyo ye-100%. Eli nani liza kukuvumela ukuba uthelekise inzuzo kolunye utyalo-mali.

👉 9. Bala inzuzo eseleyo emva kweerhafu

Ngokwenza umsebenzi ofanayo emva kokuthathela ingqalelo irhafu, ufumana umlinganiselo wakho werhafu yembuyekezo. Nguye oya kubala ngokwenene epokothweni yakho.

Umzekelo: I-7 yengeniso yonyaka emva kweenzuzo zerhafu / € 500 etyalwe = 100% yenzuzo eseleyo.

👉 10. Hlalutya ubuntununtunu phantsi kweemeko ezahlukeneyo

Vavanya iimeko ezahlukeneyo ukucela umngeni kwinzuzo yeprojekthi yakho: ✅

  • Ukunyuka kwamaxabiso kunye neentlawulo zenyanga-mboleko
  • Iirenti ezilindelekileyo ezisezantsi
  • Ukunyuka kweerenti zeeholide
  • Ukunyuka kweentlawulo ezingalindelekanga
  • iinzuzo zerhafu eziphantsi

Dlala kwezi parameters kwicala elingalunganga ukujonga ukuqina kweprojekthi yakho kwimeko engalindelekanga. Ukuba inzuzo ihlala ichanekile, unayo indawo.

isiphelo

Ukuhlalutya nzulu ingeniso enokubakho yepropathi erentwayo kubalulekile phambi kwalo naluphi na utyalo-mali. Ukuvavanya ngononophelo ubudlelwane phakathi kweengeniso zentelekelelo kunye neendleko ezenziweyo kukuvumela ukuba wenze ukhetho olunolwazi kunye nenzuzo kwixesha elide.

Nangona kufuna umsebenzi ocokisekileyo, sukulityeshela eli nyathelo libalulekileyo. Thatha ixesha lokucwangcisa ngononophelo ukuhamba kwakho kwemali kwixesha elizayo, uqikelele iindleko zakho kwaye ufunde izikhombisi zemali. Funa iingcebiso kwiingcali ukuba kuyimfuneko.

Abapheki beencwadiibhonasiBetha ngoku
ibhonasi : de €750 + 150 free spin
💸 Uluhlu olubanzi lwemidlalo yoomatshini bokungcakaza
🎁 Ikhowudi yokuthengisa : 200euros
💸 Cryptos: bitcoin, Dogecoin, etheureum, USDT
ibhonasi : de €2000 + 150 free spin
💸 Uluhlu olubanzi lwemidlalo yekhasino
🎁 Cryptos: bitcoin, Dogecoin, etheureum, USDT
✔️ Ibhonasi: phezulu 1750 € + 290 CHF
💸 IiCasino eziphezulu zeCrypto
🎁 Cryptos: bitcoin, Dogecoin, etheureum, USDT

Utyalo-mali olunenzuzo ngundoqo ekuveliseni ingeniso eyongezelelweyo eyomeleleyo kunye nokuphucula i-asethi yakho. Ngoko ngaphambi kokuba uhambe ngokukhawuleza, ukwenza uhlalutyo olunzulu lwenzuzo. Sesona siqinisekiso silungileyo sentengiselwano eyimpumelelo ye-real estate eya kukuzisela ukuzola kunye nembuyekezo kutyalo-mali.

Ndiyathemba ukuba esi sigqibo sigxininisa ukubaluleka kokuhlalutya ngokucokisekileyo inzuzo yeprojekthi yokurenta umhlaba. Nceda uzive ukhululekile ukuba ungathanda ukuba ndiguqule okanye ndicokise izinto ezithile.

FAQ

Umbuzo: Ziziphi iimpawu eziphambili zenzuzo?

A: Umlinganiselo wangaphakathi wembuyekezo (IRR), ukuhamba kwemali, izinga lokuhlala, inzuzo yokusebenza kunye namandla okuzixhasa ngemali.

Umbuzo: Ndiyibala njani ireyithi yembuyekezo yangaphakathi (IRR)?

IMPENDULO: I-IRR ibalwa ngokuthathela ingqalelo ukuhamba kwemali eseleyo eyenziwa ngonyaka ngamnye kunye neendleko zokuqala. Yenza kube lula ukulinganisa inzuzo yexesha elide iyonke.

Umbuzo: Yintoni ukuhamba kwemali kwipropathi yerenti?

A: Imali ephumayo ilingana nerenti efunyenweyo kuthatyathwe iintlawulo zomnini kunye nazo naziphi na iimali-mboleko. Imele imali eveliswa yipropati ngonyaka ngamnye.

Umbuzo: Sijonge ukuba ngawaphi umyinge wokuhlala?

A: Umyinge wokuhlala we-95% uthathwa njengelona lifanelekileyo. Izinga elingaphantsi kwama-85% kwiinyanga ezininzi liyaxhalabisa kwaye kufuneka likukhuthaze ukuba usabele.

Umbuzo: Uyonyuswa njani umvuzo wokusebenza?

IMPENDULO: Ngokuthethathethana ngengqeshiso ngamaxabiso emarike, ngokulawula iintlawulo zakho, kunye nokunciphisa ixesha lezithuba phakathi kwabaqeshi ababini.

Umbuzo: Yintoni i-self-financing capacity (CAF)?

A: I-CAF ihambelana nokuhamba kwemali apho ukubuyiswa kwenkunzi ebolekiweyo kuthatyathwa khona. Ibonakalisa amandla epropati ukuhlawulela iindleko zayo ngeemali zayo.

Ungalibazisi ukuba unayo nayiphi na eminye imibuzo! Ngaphambi kokuba uhambe, nazi ezinye Iingcebiso zokuphumelela kushishino.

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UFaustin Djoufouet Umphandi ongutitshala
NdinguGqirha kwezeMali kunye neNgcali kwezeMali yamaSilamsi. Umcebisi wezoShishino, ndikwanguTitshala-uPhando kwiziko eliPhezulu lezoRhwebo noLawulo, eBamenda weYunivesithi. Umseki weQela Finance de Demain kunye nombhali weencwadi ezininzi kunye namanqaku enzululwazi.