Njengoko kuqhele ukwenzeka, xa kukho into esegameni lethu kwaye isinika izibonelelo, kufuneka siyibhengeze ngonyaka. Imbuyekezo kwi-real estate capital nayo ayifani, Kunjalo. Ngoko ke kubalulekile ukuba siqonde ukuba yintoni kanye kanye le ngcamango kunye nendlela yokubala ngayo. Olu lwazi aluyi kuba luncedo kuphela ukuba sele sinepropati egameni lethu, kodwa nokuba sicinga ukuyithenga.
Ukukunceda kulo mbandela, siya kuchaza kweli nqaku yintoni imbuyekezo kwi-real equity kunye nendlela yokubala. Ukongeza, ukuze siqonde ifomula kwaye sikwazi ukuyisebenzisa, kufuneka sazi ukuba yintoni ukucuthwa kunye neendleko ezixhunywe kwiipropati ekuthethwa ngazo. Ndiyathemba ukuba olu lwazi luluncedo kuwe kwaye lucacisa ukuba yintoni na ukuba ngumnini-propati, nokuba kusemaphandleni okanye edolophini, kuthetha ntoni kwinqanaba lerhafu.
Yintoni imbuyekezo kwi-real estate equity?
Xa sithetha ngembuyekezo kwi-real estate capital, sibhekisela ngokusisiseko loo ngeniso ifunyenwe kwi-real estate, nokuba kusedolophini okanye kwirustic. Yonke le ngeniso siyifumana kwi-real estate egameni lethu kufuneka ibhengezwe ngonyaka ngamnye kwi Irhafu yengeniso yomntu (Irhafu yeNgeniso kumntu ngamnye).
Imbuyekezo kwi-capital estate real, ngokwe-Arhente yeRhafu, ibandakanya yonke ingeniso efunyenwe nge-real estate. ezikummandla weSpanish unyaka wonke. Oku kuya kuba kulandelayo:
- ingeniso evela uqeshiso yezindlu zasedolophini okanye ezisemaphandleni.
- izinto eziphuma kwi isabelo okanye umgaqo-siseko wamalungelo kwizindlu zasedolophini okanye ezisemaphandleni.
- Izibonelelo ezifunyenwe kwi ukonwabela okanye usebenzise yeepropati zasedolophini okanye zasemaphandleni.
Ukuze ithathwe njengembuyekezo kwi-capital estate real, kubalulekile ukuhlangabezana neemeko ezimbini. Ekuqaleni, ubunini be-real estate ekuthethwa ngayo kufuneka buhambelane nomhlawuli werhafu. Ukongeza, ezi asethi zezindlu azikwazi ukunxulumana nemisebenzi yezoqoqosho yomhlawuli werhafu ofanayo.
Ibalwa njani imbuyekezo kwizindlu nezindlu?
Xa kubalwa imbuyekezo kwi-real estate capital, kufuneka sisebenzise ifomula elula. Ewe kunjalo, ngaphambi kokuba sizazi iikhonsepthi eziyiqambayo kwaye sazi ukuba yintoni esebenzayo kwimeko yethu kwaye yintoni engekhoyo. Ubalo lokufumana imbuyekezo luhamba ngolu hlobo lulandelayo, apho iCI iyinkunzi yezindlu nomhlaba:
INgeniso ye-IC = uMvuzo oPheleleyo we-IC-uNciphiso loMvuzo weSati we-IC - Iindleko ezixhuzulwayo
Iingcamango
Ngoku makhe sibone ukuba yintoni na ingqiqo nganye ukuze sazi indlela yokusebenzisa ifomula ngokuchanekileyo. Imbuyekezo epheleleyo kwi-real estate capital ibandakanya yonke ingeniso efunyenwe ngumnini wepropati, nto leyo ethetha ukusetyenziswa, ukudluliselwa kunye nokuqeshwa kwezindlu nomhlaba.
Ngokumalunga nokunciphisa isivuno se-real estate capital, kubaluleke kakhulu kwiimeko zokuqeshiswa kwezindlu ezijoliswe kwizindlu. Kwezi meko, imbuyekezo inetha iyancipha ngama-60%. Nangona kunjalo, oku kuncitshiswa kunokusetyenziswa kuphela kwezo buyiselo ezilungileyo ezibalwe kwaye zingeniswe ngumhlawuli werhafu ngaphambi kokuba uqinisekiso lwedatha, inkqubo yokuqinisekisa kunye nokuhlola iqaliswe.
Kwelinye icala kukho ithuba lokunciphisa i-30% ye-net return xa ixesha lesizukulwana esifanayo lingaphezulu kweminyaka emibini. Oku kuncitshiswa kungafunyanwa kwakhona ukuba ingeniso yentsalela ihlelwa ngokwemigaqo njenge-asethi efunyenwe ngokungekho mgangathweni ngokuhamba kwexesha. Oku kuya kuba, umzekelo, imbuyekezo efunyenwe ngumtshintshi, umqeshi okanye umqeshi ongaphantsi komonakalo okanye umonakalo owenziwe kwipropati. Kakade ke, zimele zibalelwe kwixesha elinye kuphela lerhafu. Kufuneka kuqatshelwe ukuba inani lemali engenayo ayinakudlula i-300.000 euro ngonyaka.
Zeziphi iindleko ezixhuzulwa ukubala imbuyekezo yentsalela kwi-real estate capital?
Ekugqibeleni sishiyeke iindleko ezitsalwayo. Ezi zizo zonke ezo ndleko umhlawuli werhafu anokuthi azitsale kwingeniso epheleleyo. Zezi zilandelayo:
- Ukuhlawula amatyala, zombini impahla kunye nee-asethi ezabelweyo.
- Iindleko ukulungiswa kunye nolondolozo yepropati ekuthethwa ngayo.
- Iindleko ezinxulumene ne ukwenziwa ngokusesikweni kwesivumelwano kunye nezibonelelo.
- Iindleko zenkxaso-mali kunye umdla.
- Iibhalansi ezithandabuzekayo: Ezi ziimali umqeshi oshiye ukuzihlawula. Kakade ke, kufuneka ukuba kudlule iinyanga ezintandathu ubuncinane ukususela kwilinge lokuqokelela.
- Iinkonzo zepropati: Kubandakanya ukugada, ukulima, ulawulo, njl.
- IiRhafu (inkunkuma, ukucoca), iirhafu ezingezizo zikarhulumente njenge IBI, ukongeza (ngaphandle kwezo zivunyiweyo).
- abanye iindleko ezixhuzulwa irhafu, obufana nobusela, ubutyala boluntu okanye intlawulo yeinshorensi yomlilo.
Kuyinyani ukuba xa usenza ingxelo yengeniso basicela ulwazi oluninzi. Xa kukho iikhonsepthi ezininzi, amanani, kunye nezinto ekufuneka zigcinwe engqondweni, kunokuba ngumsebenzi onzima kakhulu. Ukuba asiqinisekanga ukuba senza isibhengezo ngokuchanekileyo, sihlala sinokukhetha ukuqesha umphathi.