Yenza imali yomhlalaphantsi wakho notyalo-mali lwezindlu nezindlu
Imali yomhlalaphantsi wakho

Yenza imali yomhlalaphantsi wakho notyalo-mali lwezindlu nezindlu

Umhlalaphantsi wakho usondele kodwa awugcinanga ngokwaneleyo? Ngethamsanqa, akukaze kube mva kakhulu ukulungiselela kakuhle iminyaka yakho yobudala. Utyalo-mali lwezindlu nezindlu sisisombululo esithandwayo sokuxhasa ngemali umhlala-phantsi wakho. Ngenxa yerenti efunyenweyo, umhlaba othengiswayo uvelisa ukuhamba kwemali rhoqo. Lulongezelelo oluxabisekileyo ukugcina yakho 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 nezakhiwo ngenjongo yokwakha ii-asethi neembuyekezo zemali. Kukho iindlela ezahlukeneyo zokwenza olu hlobo lotyalo-mali. Eyona ndlela iqhelekileyo kukuthengwa kweflethi okanye indlu ukuyirenta ngaphandle. Umtyali-mali ke ufumana ingeniso yenyanga yerenti ehambelana nerenti, apho kufuneka kutsalwe iintlawulo ezihambelana nepropati. Injongo kukucima imbuyekezo yonyaka ebulela iirenti eziqokelelweyo.

Ungathenga kwakhona ipropathi injongo yokuyithengisa kwakhona kwiminyaka embalwa kamva ngokuqonda ixabiso elongezelelweyo. Eli xabiso elongezelelweyo livela mhlawumbi ngokunyuka kwemarike yezindlu okanye ekuhlaziyweni ngokutsha kwepropati emva komsebenzi wokuphucula owenziwe ngumtyalo-mali. Nokuba yeyiphi na isicwangciso, utyalo-mali lwezindlu nomhlaba kufuneka ukuqwalasela ixesha elide. Ukwahluka kuyacetyiswa ukuze kungagxininiswa kuyo yonke imingcipheko kwipropati enye.

xhasa ngemali umhlala-phantsi wakho

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.

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 okufumana ingeniso eyongezelelweyo. Lindela umsebenzi onokwenzeka wokuququzelela ukuhlalisana kunye nokurenta. Indlu exinene kakhulu okanye edilikayo kuya kuba nzima ukuyirenta.

Inqaku eliza kufundwa: Fumana iingcebiso ezifanelekileyo zotyalo-mali kwi-SCPI

Fumana indawo yokurenta ukuze uhlawule umhlala-phantsi wakho

Ukuthenga indawo yokurenta ngexesha lakho lomhlalaphantsi kufana nokutyala umthi. Kufuneka uyenze kwangethuba kwaye uyinyamekele kakuhle ukuze ufumane inzuzo kamva. Okokuqala, khetha indawo yakho ngononophelo. Esi sisiseko. I-crappy flat in a neighbourhood embi iya kuhlala ingcono kune-crazy villa phakathi kwendawo. Cinga ngemfuno yerenti: ezothutho, izikolo, iivenkile… Konke oku kubalulekile.

Yenza izibalo zakho phambi kokuba uqale. Jonga iirenti zasekhaya, uqikelelo lweentlawulo, iirhafu, yonke loo nto. Kufuneka ibe yinzuzo, kungenjalo ayinamsebenzi. Ungalibali ukubekela bucala imali ethile yokhuseleko kwiimeko zonxunguphalo. Inkxaso-mali ibalulekile. Thetha kakuhle ngemali-mboleko yakho. Ukuba kunokwenzeka, zama ukuyihlawula ngaphambi kokuba uthathe umhlala-phantsi. Ngaloo ndlela, xa umdala kwaye ushwabene, uya kufumana irenti kuphela, ngaphandle kokuhlawula nepeni.

Cinga ngeerhafu. Zininzi iindlela zokunciphisa irhafu xa utyala imali kwi-real estate. Fumana ulwazi oluthe kratya malunga noku, kunokukongela imali eninzi. Ulawulo akufunekanga lungahoywa. Unokwenza ngokwakho ukuba unexesha kunye nomnqweno. Ngaphandle koko, i-arhente inokuyinyamekela, kodwa iya kukuhlawula inxalenye yerenti.

Yahlula-hlula ukuba kuyenzeka. Musa ukubeka onke amaqanda akho kwingobozi enye. Isitudiyo esilapha, indlu enamagumbi amabini apho… Inciphisa imingcipheko. Ungalibali isondlo. Ipropathi egcinwe kakuhle itsala abaqeshi abalungileyo kwaye inyuke ixabiso ngokuhamba kwexesha. Kwaye ke, yiba nomonde. Izindlu ezithengiswayo lutyalo-mali lwexesha elide. Awunakufumana imbuyekezo enkulu kwangoko, kodwa ngaphezulu kweminyaka engama-20-30, inokutshintsha ngokwenene ubomi bakho.

Ekugqibeleni, hlala uwaphaphele amathuba. Imarike ihamba ngalo lonke ixesha. Ukuba ubona into enhle, unganqikazi ukutsibela kuyo. 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. Ukutyala imali oyongileyo kwi-SCPI lukhetho olukhula ngokuthandwa kwabo bagcina imali abanqwenela ukuyohlula-hlula ii-asethi zabo ngelixa bexhamla kumvuzo wokungenzi nto. I-SCPIs ikuvumela ukuba ufumane izabelo kwipotifoliyo yendawo yokuhlala elawulwa ziingcali, ngaloo ndlela inikezela ukuvezwa kwimarike yezindlu ngaphandle kwemiqobo yolawulo oluthe ngqo.

Olunye uncedo oluphambili lwee-SCPI lusekukwazini kwabo ukwenza ingeniso rhoqo. Enyanisweni, iirenti ezifunyenwe kwi-real estate egcinwe yi-SCPI zisasazwa kumaqabane ngendlela yezahlulo. Oku kuvumela abatyali-mali ukuba bafumane ingeniso yerenti ngaphandle kokukhathazeka ngokulawula iipropati ngokwabo. Ukongeza, ii-SCPIs zibonelela nge-liquidity ethile, nangona ingaphantsi kwezabelo ezidwelisiweyo, kuba izabelo zinokuphinda zithengiswe kwimarike yesibini.

xhasa ngemali umhlala-phantsi wakho

Nangona kunjalo, kubalulekile ukukhetha i-SCPI yakho ngononophelo. Imigaqo emayiqwalaselwe ibandakanya isicwangciso sotyalo-mali senkampani, umgangatho wempahla ethengiswayo, izinga lokuhlala kwezi ndawo kunye nembali yembuyekezo. Uhlalutyo olulungileyo lokuqala lukuvumela ukuba unciphise umngcipheko kwaye wandise imbuyekezo kutyalo-mali lwakho.

Okokugqibela, kufuneka kuqatshelwe ukuba utyalo-mali kwi-SCPI lukwabonisa umngcipheko. Njengalo naluphi na utyalo-mali lwezindlu nezindlu, ixabiso lezabelo lisenokuguquguquka ngokuxhomekeke kwiimeko zemarike. Ukongeza, imirhumo yolawulo inokunciphisa imbuyekezo efunyenwe ngumtyali-mali. Kubalulekile ke ngoko ukuba ube nolwazi oluphangaleleyo kwaye, ukuba kukho imfuneko, udibane nomcebisi wezemali ngaphambi kokuba uqalise ngolu hlobo lotyalo-mali.

Sithenga izabelo zeSCPI ezinika ilungelo kwisabelo serenti eqokelelwe kwipotfoliyo yezakhiwo ezilawulwa ziingcali. Khetha i-SCPI etyalwe kwizindlu zokuhlala. Jonga enye imbuyekezo ye-4 ukuya kwi-5% ukwenza ingeniso eyongezelelweyo ekhululekileyo.

Betha kwi life annuity

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

Umthengi ngokukhawuleza uhlawula imali ebizwa ngokuba "izimbali" emele inxalenye yexabiso lentengiso kuphela, ngokuqhelekileyo phakathi kwe-10% kunye ne-30%. Intsalela yexabiso ihlawulwa ngohlobo "ubomi annuity" ihlawulwe ngamaxesha athile kumthengisi ngexesha lokuphila kwakhe. Umthengi uya kuba nobunini obupheleleyo bepropati kuphela ekufeni komthengisi, okwangoku engumnini ongenanto kuphela. Ixabiso lixhomekeke kwiminyaka yomthengisi kwaye ngoko ke kubomi bakhe Uqikelelo lweminyaka yokuphila.

I-annuity yobomi ke lutyalo-mali oluphantsi lwexabiso eliphantsi kumthengi kodwa luyingozi ukuba uyaphazama malunga nexesha eliseleyo lobomi bomthengisi-mhlali. Izinto eziluncedo zobomi bomhlalaphantsi:

  • 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 ikhredithi yezindlu nezindlu

Ukwakha ii-asethi zokurenta, ungalibazisi ukusebenzisa imali mboleko yezindlu, nokuba usondele kumhlalaphantsi. 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.

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 ngokuthathela ingqalelo iirenti ekubaleni umlinganiselo wamatyala akho. Ukuhlawula i-capital ngokukhawuleza ukuba kunokwenzeka ngenxa yerenti efunyenweyo. Nceda uqaphele, 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.

isiphelo

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 zikuvumela ukuba utyale imali ngokungenzi nto usebenzisa iingcali.

I-life annuity kunye ne-real estate loan 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. Kodwa ngaphambi kokuba uhambe, nantsi Ulenza njani iSibonelelo soShishino esingenakuthintelwa

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.

Shiya amazwana

Idilesi ye-imeyile ayizukupapashwa. ebiziwe ibhalwe *

*