Njengoba ngokuvamile kwenzeka, uma okuthile kusegameni lethu futhi kusinika izinzuzo, kudingeka sikumemezele njalo ngonyaka. Imbuyiselo ye-real estate capital nayo ihlukile, Kunjalo. Ngakho-ke kubalulekile ukuthi siqonde ukuthi uyini ngempela lo mqondo nokuthi ungawubala kanjani. Lolu lwazi ngeke lube usizo kuphela uma sesivele sinendawo egameni lethu, kodwa futhi uma sicabanga ukuyithenga.
Ukuze sikusize ngalo magazini, sizochaza kulesi sihloko iyini imbuyiselo ku-real equity kanye nendlela yokubala. Ngaphezu kwalokho, ukuze siqonde ifomula futhi sikwazi ukulisebenzisa, kufanele sazi ukuthi ziyini izindleko ezincishisiwe nezindleko ezidonswayo zezakhiwo okukhulunywa ngazo. Ngithemba ukuthi lolu lwazi luwusizo kuwe futhi lucacisa ukuthi kusho ukuthini ukuba umnikazi wendawo, kungakhathaliseki ukuthi indawo yasemakhaya noma yasemadolobheni, isho ukuthini ezingeni lentela.
Iyini imbuyiselo ku-real equity?
Uma sikhuluma ngembuyiselo ku-real estate capital, sibhekisela kuyo leyo mali engenayo etholakala ku-real estate, kungakhathaliseki ukuthi idolobha noma i-rustic. Yonke le mali engenile esiyithola ku-real estate egameni lethu kufanele imenyezelwe unyaka nonyaka ku- Intela engenayo yomuntu (Intela Yemali Engenayo Kubantu Ngamunye).
Imbuyiselo yemali yezindlu ezithengiswayo, ngokusho kwe-Tax Agency, ihlanganisa yonke imali engenayo etholwe ngendawo yokuhlala. ezisensimini yeSpanishi unyaka wonke. Lokhu kuzoba okulandelayo:
- imali engenayo evela ukuqasha wezindlu zasemadolobheni noma zasemakhaya.
- okuphuma ku- isabelo noma umthethosisekelo wamalungelo endaweni yasemadolobheni noma e-rustic.
- Izinzuzo ezitholwe ku ujabulele noma usebenzise wezakhiwo zasemadolobheni noma zasemakhaya.
Ukuze kubhekwe njengembuyiselo yemali ethengiswayo, kubalulekile ukuhlangabezana nemibandela emibili. Okokuqala, ubunikazi bezindlu ezithengiswayo okufanele buhambisane nomkhokhi wentela. Ngaphezu kwalokho, lezi zimpahla ezithengiswayo azikwazi ukuhlotshaniswa nemisebenzi yezomnotho yomkhokhi wentela ofanayo.
Ibalwa kanjani imbuyiselo yezindlu ezithengiswayo?
Lapho kubalwa imbuyiselo yemali yezindlu nezindlu, kufanele nje sisebenzise ifomula elula. Yiqiniso, ngaphambi kokuba sazi imiqondo ewuhlanganisayo futhi sazi ukuthi yini esebenzayo esimweni sethu nokuthi yini engekho. Isibalo sokuthola imbuyiselo yensalela simi kanje, lapho i-CI iyinhloko-dolobha yezindlu nezindlu:
I-IC Net Income = Imali Engenayo Egcwele ye-IC - Ukwehliswa Kwenzuzo Yensalela ye-IC - Izindleko Ezidonswayo
Imiqondo
Manje ake sibone ukuthi umqondo ngamunye uyini ukuze sazi indlela yokusebenzisa ifomula ngendlela efanele. Imbuyiselo ephelele yemali yezindlu nezindlu ihlanganisa yonke imali engenayo etholwe umnikazi wendawo, okusho ukusetshenziswa, ukudluliswa kanye nokuqashiswa kwezindlu ezithengiswayo.
Mayelana nokuncishiswa kwenzuzo yenetha yemali yezindlu, kuba okubaluleke kakhulu ezimweni zokuqashiswa kwezindlu ezihloselwe izindlu. Kulezi zimo, ukubuyisela inetha kwehliswa ngo-60%. Kodwa-ke, lokhu kwehliswa kungase kusetshenziswe kuphela kulezo zimbuyekezo ezinhle ezibalwe futhi zathunyelwa umkhokhintela ngaphambi kokuba kuqalwe ukuqinisekiswa kwedatha, inqubo yokuqinisekisa kanye nokuhlola.
Ngakolunye uhlangothi kukhona ithuba lokunciphisa u-30% we-net return lapho isikhathi sokukhiqiza okufanayo singaphezu kweminyaka emibili. Lokhu kwehliswa kungatholwa uma imali engenayo ihlukaniswa ngokwemithetho njengempahla etholwe ngokungavamile ngokuhamba kwesikhathi. Lokhu kungaba, isibonelo, isinxephezelo esitholwe odluliswayo, isiqashi noma isiqashi esincane ngomonakalo noma umonakalo odalwe esakhiweni. Kunjalo, kumele amalulwe ngesikhathi esisodwa kuphela sentela. Kufanele kuqashelwe ukuthi inani lemali engenayo alikwazi ukudlula ama-euro angama-300.000 ngonyaka.
Yiziphi izindleko ezidonswayo ukuze kubalwe imbuyiselo yensalela yemali yezindlu nezindlu?
Ekugcineni sisele izindleko ezikhokhelwayo. Lezi yizo zonke lezo zindleko umkhokhintela angazidonsa emalini engenayo ephelele. Lawa alandelayo:
- I-Amortization, kokubili impahla kanye nempahla eyabelwe.
- Izindleko ukulungisa kanye nokongiwa yendawo okukhulunywa ngayo.
- Izindleko ezihlobene ne ukwenziwa ngokusemthethweni kwenkontileka kanye nezinsiza.
- Izindleko zezezimali kanye izithakazelo.
- Izilinganiso ezingabazekayo: Lezi yimali isiqashi esisale sizikhokha. Yebo, kufanele ngabe sekudlule okungenani izinyanga eziyisithupha kusukela kuzanywa ukuqoqwa.
- Amasevisi wendawo: Kubandakanya ukugadwa, ukwenza ingadi, ukuphatha, njll.
- Amanani (udoti, ukuhlanza), izintela ezingezona zezwe njenge Ibi, ukukhokhisa ngaphezulu (ngaphandle kwalabo abavunyelwe).
- abanye izindleko ezidonswa intela, njengokweba, isikweletu somphakathi noma amaphrimiyamu omshwalense womlilo.
Kuyiqiniso ukuthi uma benza isitatimende semali engenayo basicela ulwazi oluningi. Njengoba kunemiqondo eminingi, izinombolo, nezinto okufanele zigcinwe engqondweni, kungase kube umsebenzi onzima kakhulu. Uma singenaso isiqiniseko sokuthi senza isimemezelo ngendlela efanele, sihlala sinenketho yokuqasha umphathi.