Ukuqoqwa kwezindlu nomhlaba kungumbandela wokubambisana ongazuza kuwo kusukela manje. Kepha ukuze lokhu kube njalo, kuzodingeka ukuthi wazi ukuthi le nqubo injani nokuthi yini okufanele uyenze ukuze ubambe iqhaza kuyo. Ngoba okokuqala kufanele wazi ukuthi ngokuyisisekelo ukuqoqwa kwempahla ingcebo eyi- indlela entsha yokutshala imali. Kepha ngomehluko omkhulu kakhulu uma kuqhathaniswa nezinye izindlela ezinikezwa izimakethe zezezimali. Kokubili maqondana namasheya nemali engenayo engaguquki, ngisho nakumamodeli acacile ehlukile
Ukuqoqwa kwezindlu nomhlaba kuyindlela entsha yokutshala imali ngenxa yezici ezikhethekile zale fomethi yokubambisana. Ngoba kumayelana nokutshala imali yakho kulondolozwe izakhiwo ezithengiswayo. Kokubili kuhulumeni ukuthenga njengokuqashwa, ngokungaqondakali. Kepha ngezimo ezikhetheke kakhulu okufanele uzicabangele kusukela manje kuqhubeke futhi yizo ezichaza ukuthi kuyini ukuqoqwa kwezindlu nomhlaba. Ngabe ufuna ukwazi ukuthi lokhu kwehluka kuqukethe ini? Yebo, naka kancane ngoba ungazisebenzisa nganoma yisiphi isikhathi.
Kususelwa eqinisweni lokuthi utshala imali oyilondolozile kwizakhiwo kodwa kusuka kumanani athengeka kakhulu kuyo yonke imizi. Ngoba impela, kusuka ku-50 euros ungazibeka kulolu hlobo lokutshalwa kwemali okukhethekile. Akudingeki ukuthi ubhekane nenani elikhulu lemali, njengoba kunjalo ngemikhiqizo eminingi yezezimali: ukuthenga nokuthengisa amasheya emakethe yamasheya, izimali zokutshala imali, izinkampani ezibalwe ngisho nezinhlobo eziyinkimbinkimbi kakhulu zezimakethe zezimali. Kulo mkhiqizo ukukhokhwa kwemali, uma kuyisifiso sakho, kuzoba kuncane ngakho-ke kusetshenziselwe bonke abasebenzisi.
Ukuqoqwa kwezindlu nezakhiwo, kuyini?
Womabili amaqembu enqubo ayasizakala ngalezi zenzo. Amapulatifomu wokuthuthukisa le mibono athola imali edingekayo yokwenza amaphrojekthi abo. Ngokuvamile ngokulungiswa kwalezi zakhiwo ukuze kamuva uzithengise noma ezimeni ezinhle kakhulu uziqashele abanye abantu. Ngenkathi indima yakho njengomtshali-zimali omncane izoklonyeliswa ngenzalo leyo eminye imikhiqizo yezezimali engeke ikunikeze yona. Ngama-margins angakhipha i-oscillate phakathi kuka-3% no-14% enanini elitshaliwe. Ngokuya ngezici zempahla futhi nangosuku lokuphelelwa yisikhathi.
Noma kunjalo, kunento eyodwa okufanele ucace kusuka manje. Akuyona enye ngaphandle kwenzalo akusoze kwaqinisekiswa futhi akulungisiwe. Ngoba kuzoncika ekuguqukeni kwemakethe yezindlu. Okusho ukuthi, intengo yendlu ngaso sonke isikhathi. Ngokukhishwa okubaluleke kakhulu eminyakeni edlule okungadala izinkinga ezithile noma okunye ukuzuze kulokhu kusebenza. Ngenye yezingozi okufanele ubhekane nazo uma wamukela lolu hlobo lokutshala imali ngokubambisana.
Ngokuvuthwa okuguquguqukayo kakhulu
Kunoma ikuphi, ukuthola inzuzo yale misebenzi kuzodingeka ukuthi nawe unake ukuthi kuzofanela ulinde isikhathi sokuphelelwa yisikhathi. Ayilungiswa futhi ihamba phakathi kwezinyanga ezi-5 noma eziyisi-6 ize ifike eminyakeni emibili njengethemu eliphezulu. Kuya ngokunikezwa ekugcineni onquma ngakho. Lapho kujwayelekile kakhulu ukuthi imigomo ephakeme ikhuphule inzuzo yotshalo-mali. Ngalesi sikhathi, futhi ngenxa yokuvuselelwa kabusha komkhakha wezezakhiwo eSpain, inzuzo engaphezulu kwe-10% ingatholakala kalula.
Kodwa-ke, le micimbi ngeke ihlale ifana ngoba inzuzo yabo izohamba kuya ngokuvela komkhakha. Futhi kufanele ukhumbule ukuthi ngeke kuhlale kufana kuze kube manje, lapho umholo wakho ungeke ube lusizo njengalo mzuzu oqondile. Esinye isici ongeke usiphuthelwe ukuthi uzothola intshisekelo lapho kuphela ukusebenza. Kuze kube seqophelweni lokuthi akukho ongakwenza ngaphandle kokulinda izinyanga ezimbalwa ukuze uthole umvuzo wakho. Ngamathuba amaningi lapho ungatshala khona ukonga kwakho okuncane ngale ndlela yokubambisana.
Amapulatifomu abambisanayo
Ukuya kulolu hlobo lwesiphakamiso kufanele uye epulatifomu ye-real estate yalezi zici. Kuyiqiniso ukuthi okwamanje ukunikezwa akukuningi kakhulu, kepha okungenani kuzokusiza ukwanelisa lesi sidingo kutshalo-mali. Ngaphezu kwalokho, awungeke ukhohlwe ukuthi iyi-niche yebhizinisi ekhulayo futhi kungenzeka kakhulu ukuthi ukunikezwa kwe-reallending yokunikezela ngemali kuzokwanda. Nabanye indlela ehlukahlukene kakhulu, hhayi kuphela ngenxa yamadolobha lapho kutholakala khona izakhiwo. Kepha futhi ngoba ungakhetha amafulethi noma amafulethi ngokuthenga noma ngokuqasha, ngokuya ngezifiso zakho.
Lezi zinkundla, ngakolunye uhlangothi, zikunikeza izinhlobo ezahlukahlukene zokutshala imali emkhakheni okhethekile njengoba lokhu kunjalo. Lapho kufanele ubheke amadolobha noma izindawo lapho iningi lakhona kulula ukwenza ukuthengisa kwakho kube semthethweni. Ngokwalo mbono womhlaba jikelele, inhloso yakho yokuqala kufanele isuselwe ekutholeni ipulatifomu yokuqoqa izindlu nomhlaba ebonakalayo. Noma yini efanayo, ukuthi ikunikeza lonke ulwazi mayelana nenqubo yokutshala imali. Kusukela ekuqaleni kuze kube sekugcineni. Ukuze ngale ndlela, ube neziqinisekiso ezinhle kakhulu ekuxazululeni imisebenzi.
Zinjani izinkampani kulo mkhakha?
Ngakolunye uhlangothi, akufanele ukhohlwe ukuthi lezi zinkampani zinemininingwane eku-inthanethi ethula ezinye izici ezichazwe kahle kakhulu. Okunye okubaluleke kakhulu ukuthi ngaso sonke isikhathi lapho benza ngokusemthethweni iphrojekthi yezindlu bayayibonisa kuwebhusayithi yabo. Ukuze ngale ndlela ube sesimweni sokwenza imali yakho encane. Kungaba ngokuthenga noma ngokuqasha impahla ye-real estate. Ngakho-ke ungahlaziya iziphakamiso ezahlukahlukene lezi zinkampani ezikunikeza zona ukuze ukwazi ukuthatha isinqumo sakho ngolwazi oluthe xaxa nangendlela efanele.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi lezi zinkampani ezisebenzisanayo bafunda amaphrojekthi ahlukahlukene lapho bangenza khona. Ngokuvamile ukuvuselela izakhiwo zabo. Ukukhethwa kwendawo lapho kutholakala khona ifulethi noma ifulethi nakho kubaluleke kakhulu. Phakathi kwezinye izizathu, ngoba kuya ngokuhlukahluka okubalulekile, ukuhweba kwayo kuzoba lula kakhulu. Futhi ngakho-ke uzoba neziqinisekiso eziningi zokuthi ukusebenza kwakho noma utshalomali kuzokwenziwa ngendlela efanele futhi kungabikho neze ukuphazanyiswa kwangaphandle.
Izinzuzo kulolu hlobo lokutshala imali
Kunoma ikuphi, kungukutshalwa kwemali okuyinoveli enkulu kusukela kuze kube yiminyaka embalwa edlule lolu hlobo lwezinye izindlela zokuthengisa izindlu belungekho. Futhi-ke, kudinga indlela ehlukile kunezinye iziphakamiso ezijwayelekile zokutshala imali futhi obejwayele ukusebenza ngazo. Akumangalisi ukuthi imishini yayo ihluke ngokuphelele, ngokwesibonelo, ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Ukubheka lo mehluko, akungabazeki ukuthi ukuxubana kwezindlu nomhlaba kuzokunikeza uchungechunge lwezinzuzo. Ngabe ufuna ukwazi okunye okufanele kakhulu? Mhlawumbe ungawusebenzisa lo mbono ngesikhathi esithile empilweni yakho.
- Imbuyiselo kulokhu kutshalwa kwezimali ithi kuphakeme kunanoma yimuphi umkhiqizo wasebhange (imali efakwa esikhathini, amanothi ezethembiso zebhange, i-akhawunti yemiholo ephezulu, njll.). Ngisho nakwezinye izikhathi kungadlula lokho okukhiqizwe kutshalomali olwenziwe ezimakethe zezimali.
- Kuyiqiniso ngokuphelele lokho ayikhiqizi inzalo engaguquki futhi akuqinisekisiwe, kepha kunalokho kuncike ekuguqukeni kwamanani ezindlu. Lesi ngesinye sezizathu esenza kubonakale ukukhishwa okuqinile kokuzivocavoca kwesinye kuya kwesinye.
- Njengomthetho ojwayelekile, imbuyiselo yalokhu kutshalomali okuhlanganyelwe itholakala emaphethelweni ahambayo 3% kuze kufike ku-13%. Kuya ngempahla ekhethiwe nezimpawu zayo. Kuyisici okufanele usicabangele uma uzokhetha ukwenza imali oyongayo izuze ngale ndlela yokuthengisa izindlu nomhlaba.
- Ukunikezwa onakho okwamanje ayinabisi kakhulu, yize kuyisigaba esikhulayo futhi iziphakamiso ezintsha zingalindelwa kusukela manje kuqhubeke. Ngisho nakumafomethi athengiswa ku-inthanethi, njengoba kwenzeka manje.
- Ubusha bayo obukhulu bulele ekutheni awudingi imali enkulu ongayitshala. Uma kungenjalo kunokuphikisana, ungathatha izikhundla kusuka kuma-euro angama-50 kuphela. Ngalo mqondo, awufuni kakhulu umkhiqizo ukuthi uqashwe ngoba uvulekele yonke imindeni.
- Okuheha kakhulu ukuthi uyakwazi khetha phakathi kwezakhiwo ezahlukahlukene, ngoba amapulatifomu wezezakhiwo awaphoqeleli noma iyiphi imodeli yokutshala imali kuwe. Nguwe oyikhethayo ngokuya ngokuncamelayo okukulo mkhakha.
- Njengengxenye enhle yemikhiqizo yezimali abacabanga ngayo i- usuku lokuphelelwa isikhathi okuyilapho uzothola khona izintshisekelo zakho engqondweni. Ngaphansi kwezikhathi ezingaba kusuka ezinyangeni ezimbalwa kuye onyakeni owodwa noma emibili cishe.
- Ukuqoqwa kwezindawo ezithengisa izindlu kungacabangi alukho uhlobo lwamakhomishini noma ezinye izindleko ekuphathweni nasekugcinweni kwayo. Lokhu kuzokhiqiza ukonga izindleko okungakusiza ekutholeni inzalo yangempela kwiminikelo yakho yezezimali. Akumangalisi ukuthi inzuzo izoba yinsalela, ngaphesheya kwezimali ezizokhishwa ekwelashweni kwayo kwentela.