Kana uine makore makumi matatu nemasere akatengesa chikwereti uye uite mimwe yemwedzi kubhadhara mwedzi mumwe nomumwe kwemakore makumi matatu, pamagumo emakore makumi matatu, iwe uchazoita kuti imba yako isununguka uye yakajeka.
Nzira dzakasununguka uye dzakajeka kana iwe waizotengesa imba uye waida kuita kuti muridzi wekubhadhara anowanikwa kune mutengi mutsva, iwe haungave nevari pasi pevatengesi vanogona kudzivisa chisarudzo ichocho.
Muridzi Wekubhadhara Kana Imba Isingabhadhari uye Yakasviba
Kusununguka uye kujekesa ndiyo nzira iri nyore yekupa muridzi wemari kana achitengesa kana mutengi asingagoni kana asingadi kuwana chikwereti. Dambudziko rekutengeserana kwemwene-mamiriyoni kanowanzova pfuma inenge iine chikwereti chimwe chete. Chinenge chiripo chega rega rega rekutengesa nhasi rine chekuparadzanisa chirevo chinoda kukurumidzira kwechikwereti kana chiitiko chacho chichitengeswa. Iri gwaro rinowanzotaurwa se "chikonzero chekutengesa" chikamu.
Muma1970 uye kutanga kwema1980, zvikwereti zvakawanda zvaisina verbiage zvakadzivirira nyaya kune zvekutengesa (kwete kuti irege kuvhiringidzwa nekutora chikwereti). Izvi zvaireva vatengesi vaigona kupa muridzi wemari uye kuti mutengi atore chikwereti pane chikwereti chaivepo kunze kwekuti bato rimwe rive mumatambudziko kana kuputsa mitemo ipi zvayo.
Mazuva ano, marudzi aya ekutengeserana haawanzoitiki. Vatengesi nhasi vanoda kuti vabhadharwe.
Vazhinji vachaita sarudzo yekudaidza chikwereti chairo uye chabhadhara kana zvikwereti zvinowedzera. Izvi ndizvo zvavanoda kuti vadzorere mari yavo kuitira kuti vagone kupa chikwereti zvakare kune chikwata chapamusoro.
Leverage Vs. Kubhadhara Cash Chemba
Imwe nzira yekuwana musha wakasununguka uye wakajeka ndeyekubhadhara mari yemusha .
Panzvimbo pokubhadhara mari yekubhadhara mari pamwedzi mumwe nomumwe, vamwe vatengi vekumba vanosarudza kuitenga zvakakwana nokupa mari yekutenga mari. Iko mari yakanaka yekubhadhara mari yeimba, asi inodzivirirawo mutengi kubva kutenga imba uye achishandisa mukana. Chii chinorema? Iti iwe une $ 100,000 mune mari uye unoda kutenga imba ye $ 100,000. Kana wakashandisa mukana, iwe unogona kuisa $ 25,000 uye kutenga dzimba 4, uchishandisa 80% chikwereti-ku-kuwedzera mari yekubhadhara mari. Kana, iwe unogona kutenga imwe imba ye $ 100,000 uye hauna chikwereti.
Kubatsirwa Kwekusununguka uye Kwakachena
Kuva neimba yakananga ndiko kunzwa kwakanaka kune vanhu vazhinji. Icho kuchengeteka mupfungwa kuti imba yacho ndeyomuridzi mumwe zana. Izvo hazvisi 100% kudzivirirwa, kunyange zvakadaro. Somuenzaniso, hazvirevi kuti musha haugoni kutorwa pasi pesimba guru nehurumende. Hazvirevi kuti musha haugoni kuparadzwa nemupupuriro kana mafashamo.
Zvinosununguka uye zvakajeka zvinoreva kuti muridzi haasunungiswi kutora chikwereti chekubhadhara mari, asi iwe unotofanira kubhadhara zvinhu zvakadai seimba yeimba ye inshuwarisi , mitero yemitengo, zvigadzirwa uye zvekuchengetedza.
Iwe uchanzwa zvakare izwi rokuti "kujekesa" mukureva zita. Tichifunga kuti hapana gore pamusoro pezita uye iwe wakagamuchira pepa rehututi yeruzhinji iwe pawakatenga imba, iwe unogona kunge uchifarira musoro wakajeka weimba.
Zvisinei, kana iwe uchibhadhara chikwereti pamusha iwoyo, ipapo imba yacho pachayo haina kusununguka uye yakajeka.
Ngwarira kumitero yebhadharo yekubhadhara chikwereti. Kusvikira munguva pfupi yapfuura, chikwata chekutsvaga kwezvikwereti chaive mamiriyoni, asi pasi peTrump Tax Overhaul, iyo yakaderedzwa kuva hovha ye $ 750,000.
Kutenga Imba Yezororo Izvo Zvisina Kujeka
Imwe mhuri yakaita sarudzo yekubhadhara imba yezororo muHawaii. Kana mitero yemitengo ichiwedzera nekuda kwekusava kugara kwekugara, kuwedzerwa kwakagadziriswa kwemwedzi pamwedzi. Mhinduro yemamiriro acho ndeyekugadzirisa nzvimbo yekugara, iyo yaive nemakore gumi nemashanu ekubhadhara, yakabhadhara makore anopfuura gumi nemakore mashanu akasara. Mhuri yacho yakanatswa mumakore makumi matatu ekubhadhara chikwereti nemari imwe chete yemwedzi kubhadhara uye yakashandisa mari yekubhadhara imba iri muHawaii, pasina uye yakajeka.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.