Ukutshala imali ingcebo. Ukutshala imali ingcebo phesheya

Ukubeka ingcebo inzuzo futhi ezingeyona ingozi utshalomali, njengoba lokhu instrument yezimali uhlale ziphoqa, futhi uketshezi. Intengo nefa 90% of the time kuyinto uptrend, okuyinto wenza sikwazi ukulinganisa inzuzo bevela baqasha isikhala ukuze iqashwe ngokuhamba kwesikhathi.

izinzuzo

Kungani ukutshala ingcebo ezibhekwa ezingeyona ingozi futhi kukho ithembeke ngaphezu, isibonelo, ebhange? Ngaphambi ukutshala waleli fa, kumelwe siqinisekise ukuthi payback.

• WezeZindlu iningi labantu - kungcono izimpahla efanayo ebalulekile efana ukudla nezingubo. Yingakho isidingo impahla uhlale lapho, kungakhathaliseki ukuthi aba namuphi zezomnotho emhlabeni iphutha.
• Income kusukela ekugcineni kuqashwa kwezakhiwo matasa ngokwengeziwe ngokomoya njengoba endaweni kuba ezibizayo unyaka ngamunye. Lokhu kukuvumela ukuba recoup lokutshala izimali zabo ngokushesha.
• Uma ukutshala isakhiwo esisha, ngesikhathi ukwakhiwa yayo isivele kungenzeka ukubala inzuzo yabo - njengoba umthetho, ngalesi sikhathi kakade Ezezindlu ezibizayo by 30-40%.
• Lapho uthenga loan ingcebo kusukela unjiniyela noma ibhange, wena balahle amathuba kwamandla emali, uma sihlolisisa lokho yonke imininingwane yesivumelwano. Kungakhathaliseki ukuthi kuyabiza kakhulu amavidyo square noma ukwanda kwemithwalo emholweni wakho, uzokhokhiswa inani elifanayo nyanga zonke imali.

Nekungabi nekusisa ingcebo

Ngaphambi kokucabangela sitshala imali ingcebo njengendlela imali yekwentiwa, kubalulekile ukuhlola futhi izici ezingezinhle ukutshalwa kwezimali zawo.

• Uma isikhala ephilayo ezengeziwe is hhayi safike owazithola ngofuzo, khona-ke uyoba ukuthenga, futhi lokhu kuyinto nezindleko zezimali abalulekile, okungase ukukhokhela hhayi wonke umuntu. Ngaphezu idiphozi kokuqala, uzodinga ukutshala ukulungisa yayo ngezidingo.
• Ukutshala imali ingcebo ngaphandle ukuhlaziywa efanele, okungukuthi, ngaphandle ekuhlaziyweni indawo yayo, hlola imibhalo bezwe lapho isakhiwo is esakhiwe, kungase disadvantageous kakhulu. Amacala lapho abaqashi entsha akunqandi ezizungezile izindlu, noma ukuthenga Esitezi lesi sakhiwo akusho ukulala ugogo efulethini, esisogwini yesibili. Lokhu kuholela imibhikisho mass, izincwadi ehhovisi lomphathi-dolobha, okuyinto kamuva ungakwazi ukuphoqelela ethengisa noma ukuhlela kabusha isikhala sakho ezengeziwe ephilayo.
• Uma ungenalo unake zonke nobunyonici bureaucratic komthetho, kungenzeka ngempela ukuthi ngeke bakwazi recoup lokutshala izimali zabo, ngoba ungaba umnikazi wekhasi impahla, senzelwe imindeni emikhulu noma abasha amalungelo afanele.

Ukutshala imali ingcebo Wabasaqalayo

izakhiwo zokuhlala kanye commercial zihlale ngokufunwa, okukhuthaza abantu abaningi ukuba babheke amathuba ukuze uthole ngokusebenzisa sokuqasha yayo. Ukutshala imali Abadayisi bezindlu for Dummies ibukeka elula, kodwa kubalulekile ukuba kahle sihlole kwempahla ngaphambi kokuzama ukwakha imali yekwentiwa.

Yini odinga ukuyazi saqala:

• amafulethi elilodwa elalingaphandle anegunya wokwakha ukuthengisa ngokushesha kunezinye.
• Izindleko izindlu eziqashisayo buvezwa indawo kanye zokuhamba yayo link eseduze.
• Ngaphezu kokuqala utshalomali ingcebo nokutshala izimali kuhilela izindleko ezivela kabusha ukulungisa kanye ukubuyisela impahla onakele noma yebiwe.
• Une ukuchitha isikhathi sifuna abaqashile, ethola yerenti, ukumboza Tinsita. Uma isikhala ephilayo ukuze iqashwe nsuku zonke noma njalo ngehora, imali yekwentiwa iguqulwe ibe asebenzayo, okungukuthi isikhathi.

Ukutshala imali ingcebo Wabasaqalayo - kuba ukuthengwa endaweni yokuhlala futhi nginikeza it out for the eside. Uma ingekho dolobha eyanele ukuthenga ikhaya, ungakwazi ukuthenga it in mortgage, kungaba pre-ibalwa, inzuzo ngaphansi kwezimo samanje abolekise kanye nenani isilinganiso iqashwe nyangazonke.

Inketho elula for the saqala - Kubambiswano Isikhwama, okuyinto ochwepheshe ngokuzimela akhethiwe endaweni luwuphendule ithuluzi ngezimali. nethonya elikhulu ubukhulu imali yakho ine kahle ukuthi wonke umsebenzi kwenziwa ochwepheshe.

Indlela ukukhetha into utshalomali

Kukhethwa ingcebo lithembela ngokuphelele ubukhulu bankroll yakho. Ukuhlala isikhala uhlale ziphoqa, njengoba nophahla phezu kwekhanda lakho indoda idinga kanye nokudla. Ukutshala imali ezindaweni zokudayisa lidinga ulwazi futhi wenza umzamo, ngoba kuyadingeka ukuthuthukisa umqondo isikhala, sakhe kabusha umhlobiso ngokuhambisana ekilasini impahla kanye nohlobo.

ubukhulu bezikhali imali kufanele ibalwe ngesisekelo amakhono abo: kumuphi umuzi futhi endaweni, ungakwazi ukuthenga indawo okuhlalwa, ukukhanda ulifunda, ngeke sithenge ngesikweletu, noma ukuthola ukheshi ngawo. Kuyadingeka ukuba ukubikezela yini noma cha ukunweba edolobheni esikhathini esizayo, ukuthi abantu abazimisele ziyakuthanda khona, uma akuyona muzi inala amathuba iSilekeleli Sokwazisa.

Ukuthola ingcebo ukuze iqashwe

Ukutshala imali ingcebo ngenjongo ukuqasha eminye - kuba imali yekwentiwa esitebeleni. Into enengqondo kakhulu ukuthenga indlu nge 1 noma 2 amakamelo noma Cottages eduze indawo ehlobo futhi ski ndawo. Uma ukuthenga ingcebo emzini, ukunakwa okukhulu kufanele zikhokhelwe isimo nendawo endlini, ukuphepha yayo. Ukuze izivakashi eziningi ezibalulekile noma ukutholakala yokupaka emagalaji aseduzane. Lokubaluleke kakhulu kukhona ezokuthutha nezokuxhumana.

Ngokuthenga Cottages, kufanele uzilungiselele lokuthi kwezinyanga ezimbalwa zonyaka bayoba nalutho futhi akukho engenayo. Lapho uhlela ukuthenga ingcebo, cabangela ikusasa ukukhula wentengo eminyakeni eyalandela, izindleko zabo kokuqala gqwa (ukulungiswa, ukuhlanza ngemva abaqashile). Kukhona Ezimweni eziningi nokubambezela ukukhokhela sokuqasha kanye nokweba in the amafulethi aqashiwe. Ukutshala imali ingcebo kungaba kusimo uma yokuhlala ingekho ziphoqa, nganoma yisiphi isizathu, futhi ayikho indlela recoup investimenti.

Konke lokhu kubaluleke ngokukhethekile ukucabangela uma izindlu uthenge ngesikweletu. I iqashwe kumelwe ingabi senyanga yokukhokha ebhange. Ngaphezu kwalokho, kubalulekile ukuba acabangele yokuthi usukhokhe imali kokuqala. Kungenjalo inzuzo kwempahla elizuzwa neminyaka embalwa yokuqala ezimbi. Inzuzo ye-investimenti yokuthi kudinga dolobha elincane kokuqala.

Ukutshala imali commercial ingcebo

Okwamanje, commercial ingcebo kuletha imali engaphezulu kuka yokuhlala. Lokhu kungenxa nesidingo esikhulayo amahhovisi, ukuhweba izibuya. Ezindaweni akude komuzi, osomabhizinisi abaningi yangasese abafuna ukuqala amabhizinisi abo, ekhuthaza zimali ukutshala endaweni okungezona zokuhlala.

Ngaphambi kokuba uthenge ikamelo, kudingeka unqume nge umqondo walo. Yokwazi ukuthi iyini khona ukuqonda ukuthi kule ndawo kuyoba kakhulu ngokufuna abathengi ezingaba kwezimpahla namasevisi. Ngokwesibonelo, eduze akukho izitolo - ngakho udinga ukulungisa izakhiwo ukuhlangabezana nezidingo ukubukeka esigcawini. Kuyaqondakala ukuthi utshalomali e commercial ingcebo kuzoletha imali kuphela uma pre-cabanga zonke izenzo zakho.

Sicela uqaphele ukuthi uma uthenga izinyanga flat ambalwa uzobe esichithwa kabusha yokubhalisa yonke imibhalo. Ezinye isikhathi kuyadingeka ukwenza ukulungiswa, ukukhishwa izivumelwano ukuhlinzekwa kwemisebenzi yomphakathi. yokutakula Business kuzoqala kuphela ngonyaka wesithathu ukhona.

Ukulangazelela ukubuya omqoka kwempahla, ukuqapha isimo kuleli zwe, ngenxa yezimo zomnotho, izinguquko ukubaluleka zezimali kwamanani kawoyela negesi. Futhi, kukhona njalo ukuthi kungenzeka ukuthi endaweni izoyenqaba ukushintsha uhlelo intela. Emacophelo njalo siguqula futhi impahla yaqashiswa kumelwe babahlangabeze, ngaphambi kokuthi izimali zakhe kuko, kudingeka uhlaziye okuningi - kuphela kuleli cala, ukuphila inkonzo yayo ongafinyelela amashumi amaningana eminyaka.

Indlela uqale ukutshala imali ngokuthenga izindlu

Abantu abaningi bafuna abe iholo ungawusebenzisi kungakhathaliseki banayo dolobha lokuqala utshalomali. Ukutshala imali ingcebo kusuka ekuqaleni ngempela, uma uzimisele ukuchitha imali yabo esikhundleni amandla. imali eningi kakhulu kukho - kuyinto ukwakhiwa emagalaji ukudayiswa yabo okwalandela noma ukuqasha. Uyoba ukutshala ezweni futhi impahla ukuze kwakhiwe emagalaji, bese ukubuya okusheshayo lokutshala izimali zabo bese uhola okunqala ezengeziwe okungatholakala wachitha on ukuthengwa ezindaweni zokuhlala noma commercial.

Ukutshalwa kwezimali ingcebo eRussia

Imakethe ingcebo eRussia ithuthuka ngokushesha ngempela. Lena izwe elikhulu, lapho abantu bavame bakamalalahlengezela ukudlulela emadolobheni amakhulu, ngakho ukutshala endaweni yokuhlala sisihle kakhulu. Esikhathini wedolobha commercial ingcebo ngokufunwa, kodwa yokufuna yefa enjalo izobiza i isamba akunakwenzeka ukuba iningi osomabhizinisi.

osomabhizinisi Foreign cabanga sitshala imali ingcebo ibhizinisi inzuzo eRussia, kodwa abe izimfuno ezithile konjiniyela, amazinga yokwakha nokunakekela izindawo endaweni. Ukungafani okulindelwe kanye ngokoqobo kubangela olandelanayo ibhizinisi ukubukeka nezinye amafa lokutshala izimali zabo, futhi ngaba nolaka impahla ngenkuthalo nizuza eRussia.

Ukutshalwa kwezimali ingcebo e-Ukraine

yemizi e-Ukraine kuba bayindlala kakhulu, kodwa lokhu mkhuba okungajwayelekile ngenxa isimo engazinzile kwezomnotho kanye nezepolitiki isimo. Income bethola ophilayo Isikhala ngokuyibolekisa isikhathi eside futhi iqashwe. Emadolobheni amakhulu Kunengqondo ukuthenga commercial ingcebo, ikakhulukazi elele izindawo, lapho kwandiswa idolobha. Eyozuzisa ibhizinisi ukwakhiwa nokudayiswa emagalaji, njengoba abantu abaningi abanawo ukuba bashiye izimoto zabo nasemigwaqweni, okuyinto kuyingozi kakhulu.

Kuyaphawuleka ukuthi izimali ingcebo e-Ukraine oholela kangcono ngoba usanda uhulumeni wasungula intela imali imali. Ngaphezu kwalokho, izinkinga zezomnotho, izimpahla eziningi abangu simisiwe, kanye zimali abakwazi ukuhoxisa izimali zabo, naphezu kwazo zonke izikhalazo, imibhikisho nasezinxushunxushwini. Ngakho, yokufuna amafa ezifana ingcebo, inzuzo ngempela e-Ukraine.

Ukutshalwa kwezimali ingcebo phesheya

Ukutshala imali ingcebo phesheya - ngokuqinisekile inzuzo kakhulu, kodwa sidinga izindleko ezinkulu impahla. Izinzuzo utshalomali ukuzinza nomnotho emazweni aseNtshonalanga. Nokho, ukuze ukutshala amafa angaphandle, kudingeka ube umhlaziyi ezinhle, akufanele kwesokunxele yimali, ngoba akekho umuntu ukulungele iwe e-US ingcebo market ngo-2007, lapho eneminyaka engu phambi kwalesi ngokuqhubekayo ezikhulayo amashumi eminyaka.

Uma imali eyanele, kufanele ukutshala ibhizinisi ehhotela, kodwa ningakwenqabi amasevisi ongoti ongakusiza ukunciphisa izingozi oyitshalile. Zilungiselele yokuthi phesheya kakhulu nezidingo izinga, izakhiwo izakhiwo ezintsha, kanye inkonzo.

Ukutshalwa kwezimali emakethe umhlabathi - ezithembeke kakhulu futhi ibhizinisi inzuzo, uma imali ngokuhlakanipha. Amafulethi izakhiwo bezentengiselwano abakwazi kuphela ukuqasha, kodwa futhi ukuba lithengise lapho izimo zomnotho sakubona kukuhle lokhu. Kule ndawo yebhizinisi angazuza izindlela ezahlukene ekusebenziseni izindlu, into esemqoka - ukuqala kwesokudla.