Maonero echikamu chekutenga nekutengesa kumba akanaka kwazvo mugore ra2018 sezvo zvichifungidzirwa kuti huwandu hwekushanda huchakura ne18%. Mune ino pfungwa, real estate kuwanda kwevanhu kunogona kuve imwe yeiyo dzimwe nzira dzekudyara kubva ikozvino zvichienda nekuda kwekushaya simba kunoratidzwa nemisika yemari. Nemadonhwe mune mamwe emhando dzakakosha indices dzinopfuura gumi muzana. Kubva pane ino maonero, kuwanda kwevanhu ndeye kudyidzana kwekudyara iyo inobvumidza kuisa mari shoma yemari muzvivakwa zvezvivakwa, zvese mukutenga uye kubhadhara dzimba.
Zvinogona kutaurwa kuti izvo zvinonzi real estate kuwanda kwevanhu inguva nyowani yakaiswa mune yekudyara chikamu, asi nenzira dzakasiyana zvakasiyana zvichienzaniswa nedzetsika. Iyo inokonzeresa zano rayo pakuzvimisa pachayo mu real estate sector, asi pasina kuita zvakanyanya kuwedzerwa kwemari, uye pamwe nevamwe vatengesi vane hunhu hwakafanana. Nechinangwa chekutora chikamu mubhenefiti yekutengwa kwechero chivakwa (dzimba, nzvimbo kana kunyange mahofisi).
Semhedzisiro yechirongwa ichi, mashandiro aya ari nyore kupedzisa nekuti nekuda kwemari shoma inodiwa mukudyara kwavo, inobvumidza mukana wekuwana dzimba dzese. Hazvishamisi kuti inogona kuwanikwa kubva ku1.000 euros chete pane mamwe mapuratifomu ane aya maitiro. Iine mukana wekuti kudzoka kunogona kusvika kwakatenderedza 10%, iine nguva yekugara iyo inogona kutenderera pakati pemwedzi mitanhatu kusvika gumi nematanhatu ingangoita. Kubudikidza neyekudyara modhi inomira pachena panguva yekuzadzikiswa kwayo kwese.
Kuunganidzwa: tora mukana weichi chikamu
Zvese izvi, muchirevo senge chazvino uno, uko musika wezvivakwa uri mukufambira mberi kwakajeka muSpain. Kutora chikamu chakasimba mukukura kweGross Domestic Product (GDP) yakavharwa gore rapfuura pamwe nekukwira kwe3,1%. Kunyangwe ichangopfuura iyo International Monetary Fund (IMF) yakadzikisa fungidziro dzayo kusvika ku2,4% yegore ra2018. Mupfungwa iyi, vashandisi vanogona kutora mukana wekubatsira uko chikamu chezvekutengesa zvivakwa chiri chakasimba kwazvo muhupfumi hwenyika. Pamusoro pezvimwe zvikamu zvine hungwaru, senge magetsi kana kunyangwe kubhengi.
Maonero echikamu ichi akanyatsojeka zvinoenderana nedhata rakapihwa neyakaitika rondedzero Musika wekugara muSpain iyo yakagadzirirwa naServihabitat. Mairi zvinoratidzwa kuti iyo kutengeswa kwemisha ichakura zvinopfuura 18% muna 2018, pamusoro pemabasa mazana mashanu nemakumi mashanu. Icho chimiro chinokoka kudyara kuburikidza nekutenga kwezvivakwa uye zvisina kunangana muzvivigiro zveiyo real estate chikamu izvo zvakanyorwa pane yeSpanish equities.
Project financing
Asi kana iwe usina simba rekutenga rekuita neaya mashandiro, pachave paine sarudzo yekusarudza yekutengesa zvivakwa. Kunyangwe iine akateedzana emimvuri ayo anozodiwa kuyambira kudzivirira zviitiko zvinogona kuitika mukudyara. Iko pamwe njodzi huru yekuvhiya iyi iri muchokwadi chekuti uyu uchiri musika wekuwana muSpain. Iko mapuratifomu ekudyara mari achiri mashoma uye achifamba nemabhizinesi mamodheru akati siyanei kubva kune mumwe.
Iri zano rekuvandudza rinobvumidza mapoka ekudyara kuti atsigire mapurojekiti ane chekuita neye real estate chikamu, pasina kushandisa kune echikwereti mitsara inopihwa nemari masangano. Nenzira iyi, ivo vanokwanisa kubvisa akateedzana e mari mukuita kwako izvo zvinoderedza mutengo wemapurojekiti. Hazvishamisi kuti ndivo vashambadzi vashoma vanozvipa kwavari kuitira kuti vagowana mubairo kuburikidza nekudzoka kunogona kusvika gumi neshanu muzana. Chero zvazviri, zvakanyanya kuomarara kuwana kuburikidza nemisika yemari uye zvisingaite zvachose mune yakamisirwa mari kana zvigadzirwa zvebhangi (nguva yekuisa, zvinyorwa zvevimbiso kana zvirongwa zvekuchengetedza).
Kuita kwekushanda
Nekudaro, haisi kudzoka kwakatarwa gore rega, kunyangwe mumwedzi. Asi zvinopesana, zvinoenderana neshanduko iri mu mitengo yedzimba. Ichi ndicho chimwe chezvikonzero zvikuru nei kushanduka kunozivikanwa kuchigadzirwa kubva pane kumwe kuenda kune kumwe zvichienderana nekuti mari yakaiswa riini. Hazvisi zvakafanana nguva dzose uye nekudaro iwe unofanirwa kutora mukana weiye kumusoro maitiro mumusika wezvivakwa kuti uvandudze kufarira. Iyo yakakwira iyo kukura kwehupfumi, iko kwakakwirira kudzoka kune vanoita mari. Kuburikidza nerudzi rwekudzoka kubva pa2% kusvika pa15%.
Chero zvazviri, imwe yeakanyanya kukosha maitiro e real estate kuwanda ndeyekuti inovhara ese marudzi e real estate projects, kubva pakutenga zvivakwa kusvika kudzimba dzekurenda. Kubva kumafurati ari pakati pemataundi makuru kuenda kune zvimwe zvivakwa zvezvivakwa zvinosiya miganhu yedu kuti zviise mari muzvidhinha zvinogara zvichishandiswa. Semuenzaniso, muItari, France kana dzimwe nyika munharaunda yedu yepedyo. Kunyangwe mune chero zvazvingaitika, nemubhadharo wakafanana chaizvo neuyo wakagadzirwa mukudyara kwenyika yedu.
Kunyoreswa neCNMV
Zvinotora kumirira kwenguva pfupi kuti uwane mabhenefiti anofungidzirwa, pakati pemwedzi mitanhatu nemakore matatu. Ichi ndicho chimwe chezvipingamupinyi zvekudyara uku. Kunyangwe chakanyanya kukosha chakatorwa kubva pakujeka kushoma uko mapuratifomu ekubatanidza anogona kupa. Kugadzirisa iri dambudziko, vatengesi vanofanirwa kuona kuti makambani aya akanyoreswa ne National Stock Market Commission (CNMV). Hazvishamise kuti iri zano rakanakisa rekudzivirira zviitiko mukuita.
Zvakare, izvi mushandirapamwe muenzaniso Investment haibvumidze mari hombe. Asi pane zvinopesana, iyo shoma mipiro iri pakati pe50 ne10.000 euros. Kunze kwekunge muzvinashawo abvumidzwa uye mune iyo mamiriro anozove ari muchinzvimbo chekupfuura aya maruva. Kunyangwe kune izvi zvichave zvakakosha kuti iwe upe solvency mumaakaundi ako ega. Semuenzaniso, kuve nemari yegore rose inodarika zviuru makumi mashanu euros uye mari yezvemari inodarika 50.000 euros. Kubva panguva ino zvichienda mberi, zvinongosara kusarudza iyo projekiti yezvivakwa iyo inogona kuve inobatsira, zvichienderana nenzvimbo yaro uye hunhu hweprojekti.
Hapana imwe nzira yekudyara
Kubva panguva ino zvichienda mberi, unofanirwa kuve iwe unoona kana zvichizokodzera kuisa mari mune iyi imwe nzira yekudyara iyo yakati siyanei. Nengozi dzayo nezvakanakira, asi chero zvodii zvinogona kunakidza panguva apo pasina chaicho sarudzo dzekudyara. Nekuti zvirokwazvo, zvigadzirwa zvakagadziriswa zvemari ivo vanongopa chibereko chiri pamusoro pe1%, kunyangwe hazvo ichigadziriswa uye ichivimbiswa mumamiriro ese ezvinhu.
Nepo pane izvo zvinopesana, mari dzakasiya iyo mibairo yemubhadharo iyo yavakafarira pakati pa2013 na2017 uye inogona kupinda mukudzikira kuri kuita njodzi kune zvido zvako. Mupfungwa iyi, haugone kukanganwa kuti iyo inosarudzwa yeSpanish stock stock inogona kudzinga gore nekudonha pamusoro pe10%, nepo Eurostoxx 50 iri kusiya ingangoita 10% yehuremo hwayo gore rino. Kusvika padanho rekutaura kuti maequity haachabatsira semamwe makore. Kunyangwe hazvo isati yazivikanwa nedzimwe chokwadi kuti mamiriro ezvinhu aya achasvika kupi mumisika yemari. Iyo yakakwira iyo kukura kwehupfumi, iko kwakakwirira kudzoka kune vanoita mari.
Zvakanakira kuunganidza vanhu
Chero zvazvingaitika, urwu rudzi rweimwe nzira yekudyara inogona kukupa iwe akateedzana mabhenefiti anogona kuve anonakidza kwazvo kuitira kuti iwe ugone kuita purofiti mari inowanikwa kubva zvino zvichienda mberi: Ndeapi mabhenefiti aya anonzi anobva kune aya mashandiro mumusika wezvivakwa? Zvakanaka, ndezvemhando dzakasiyana uye zvine zvirevo zvakasiyana senge atinopa pazasi:
- La kuchinjika mumipiro yezvemari ndeimwe yemadinomina akajairika eaya mashandiro anoitwa munzvimbo yakakosha yezvidhinha. Kubva pamitengo isingadhuri kune vamwe iyo inoda chaizvo basa rekudyara.
- Iwe zvakare uchave nedzimwe nzira dzinoverengeka maererano neiyo nguva yekugara. Ndokunge, iwe unofanirwa kunge uine mari isingachinjike pamwe nemukana wekuinunura chero nguva. Kwete mune mashoma kana akazara mashandiro. Seimwe yeakanyanya kukanganisa kwe real estate kuwanda.
- ari mapuratifomu Pachine vashoma kwazvo vanotengesa ichi chigadzirwa kuti vange vachiisa mari uye vamwe vacho vasina kuiswa mutemo. Mupfungwa iyi, hauzove neimwe sarudzo kunze kwekutsvaga izvo zvinopa zvivimbiso zvepamusoro soro.
- Ichi chikamu chine upside zvinogona yakanyanya kukwirira sekureba sekuti real estate chikamu chiri pasi pechikamu chakakura mukukura kwayo. Kunze kwekumwe kufunga kwehunyanzvi izvo zvinofanirwawo kufanofungidzirwa mukudyara.
- Uye pakupedzisira, haugone kukanganwa kuti iri kuwedzera chikamu izvo zvinogona kuburitsa mibairo mikuru kubva ikozvino zvichienda nekuda kwekudzoka kukuru uko kunogona kuwanikwa muzvidhinha.