Kuisa mari kune vanotanga

by Joshua Kennon

Nzira Yokushandisa Sei mu Real Estate

Kuisa mari kune imwe nzvimbo ndechimwe chekare-kare ekutsvaga mari, sezvo yakange iripo kubva pamazuva ekutanga ekubudirira kwevanhu. Kuwana misika yemagetsi emazuva ano, dzimba ndiyo imwe yezvikamu zvishanu zveassetti iyo mumwe mutengesi anofanirwa kufungidzira kuwedzera pabasa rake pamusana pekushambadzira kwemari, kushandiswa kwemari, kubhadhara, mutero, uye kusiyana kwezviwanikwa zvinopa. Muchirongwa ichi chekutanga, tichakufambisa kuburikidza nheyo dzekuisa mari yekutengesa, nekukurukurirana nenzira dzakasiyana dzaungatora kana kutora wega muzvivako zvemaimba.

Chokutanga, ngatitangei nemasimboti: Ndeapi inotengeswa kwemaimba?

Chii Chiri Chaizvo Zvokutengesera?

Imari yekuisa mari inotengeswa inzvimbo yakawanda yekushanda, kuisa mari, uye mari yezvemari inotarisana nekugadzira mari kubva pfuma chaiyo kana kukwira kwemari nenzira yakasungirirwa kune imwe nzvimbo chaiyo.

Kune nzira ina huru dzekuita mari muimba yekugara:

Real Estate Kukoshesa : Iyi ndiyo iyo nzvimbo inowedzera kukosha. Izvi zvinogona kunge zvakakonzerwa nekushandurwa mumusika wemugovera unowedzera chido chekumba munzvimbo yako. Iyo inogona kushandiswa inokonzerwa nekuvandudzwa kwaunoisa muhutano hwako hwemaimba kuti uite kuti huwedzere kune vanotengesa kana vatengi. Real estate vanoziva mutambo unonyangadza, zvakadaro.
Cash Flow Mari (Imba) : Imhando iyi yekutengesa zvivako inotarisa pakutenga imba yekumba, iyo yekuvaka dzimba, uye kuishanda kuitira kuti iwe uunganidze ruzivo rwemari kubva kubhadhara. Mari inoyerera mari inogona kuwanikwa kubva muzvivako zveimba, zvivako zvehofisi, dzimba dzekuvakira, nezvimwe.
Real Estate Related Revenue : Iyi ndiyo mari inowanikwa nevatengi uye dzimwe nyanzvi dzezvemabhizimisi dzinoita mari kuburikidza nemakomisheni kubva pakutenga uye kutengesa pfuma. Inosanganisirawo makambani ekuchengetedza dzimba uye vanochengetedza kuchengetedza chikamu chezvikwereti mukutsinhana kwekushanda mabasa ezuva nezuva.

Ancillary Real Estate Inowanikwa muInvestment : Kune dzimwe dzimba dzezvivako zvekumba, izvi zvinogona kuva nzvimbo huru yekuwana purofiti. Ancillary real estate investment imari inosanganisira zvinhu zvakadai semagetsi ekugadzirisa zvivako zvekuhofisi kana kushambidzika muzvikwata zvepasi. Zvechokwadi, vanoshumira se mini-mabhizinesi mukati mekurima kwekutsvaga kwemahombekombe, vachikuita kuti uite mari kubva kune imwechete-captive collection of customers.

Nzira yakachena, yakajeka yekusimwa kwemaimba imomo ndeyemari inopera mari kubva kune zvikwereti panzvimbo yekuonga . Imari inotengeswa neimba inowanikwa apo muzvinabhizimisi, uyo anozivikanwawo semuridzi weimba, anowana chidimbu cheimba chaiyo, ingave iyo yakasimwa minda, nyika ine imba mairi, inzvimbo ine chivako pahofisi pairi, inosvika neimba yekuchengetera mairi pairi, kana imba.

Iye zvino anowana mumwe munhu anoda kushandisa imba iyi, inozivikanwa semuchengeti , uye vanopinda muchibvumirano. Muridzi wacho anopiwa ruzivo rwekumba, kuishandisa kuburikidza nemamwe mazwi, kwenguva yakareba, uye zvimwe zvipingamupinyi - zvimwe zvayo zvinowanikwa muState, state, uye mutemo wekune dzimwe nyika, uye yakabvumirana pane musungo wechibvumirano kana sangano renharaunda . Mukutsinhanisa, muridzi wacho anobhadhara kuti akwanise kushandisa dzimba. Kubhadhara kwaanotumira kune mwene weimba kunzi "rendi".

Kune varairi vemazana, mari inoshandiswa kubva muzvivako zvemaimba inobatsira zvikuru mupfungwa pamusoro pezvikwereti uye chido kubva kunekutsvaga muzvikwata uye zvisungo . Vanogona kutyaira neimba yacho, kuiona, uye kuibata nemaoko avo. Vanogona kuisa para yavo yavanofarira kana kuti vashandise kambani yekugadzira uye kambani yekugadzirisa. Vanogona kushandisa unyanzvi hwavo hwekutaurirana kuti vaone chiyero chekubhadhara, vachibvumira mukana wepamusoro kuti aite mari yakakwirira yepamusoro , kana kuti "chikwata chemazana."

Nguva nenguva, vashandi vezvivako vepfuma vanova sevasina kunaka sezvinoitwa vatengesi vemabhizimisi panguva yekutengesa mabhizimusi emitengo, vachiomerera kuti mari yepamusoro yemitengo haina basa. Usawa nekuda kwayo. Kana iwe uchikwanisa kutenga mutengo wemari yako yekubhadhara zvakakodzera, iwe unofanirwa kunakidzwa nehuwandu hwekudzorera pamutengo wako shure kwekubhadhara kwekubhadhara kweimba yacho, kusanganisira kukonzerwa nekuderera kwezvinhu , pfuma uye mitero yemari, kugadziriswa, inshuwarisi, nezvimwe zvinoshandiswa zvinoenderana. Uyezve, unofanira kuverenga nguva yakatarwa yekugadzirisa kushandiswa kwekutsvaga, sezvo nguva yako iine mari yakakosha iwe unayo - ndicho chikonzero mari yekusarura inonyanya kukoshesa nevashambadziri. (Kana uine mahofisi ako akakura zvakakwana, unogona kugadzira kana kupinza imba yekuchengetwa kweimba yeimba yekutengesa kushandiswa kwezuva nezuva kwemahofisi ako edzimba yepamusoro pakutsinhanisa kwemazana ekubhadhara mari, kubvisa zvivako zvezvivako zvakange zvambove zvakanyatsogadzirirwa muzvikwereti zvisina kufanira.)

Ndeipi Ndeimwe Yenzira Dzakakurumbira kune Munhu Kuti Atange Kuisa Mune Imba?

Pane mamiriyoni emhando dzakasiyana-siyana dzezvivako zvekuvakwa kwemaimba munhu angafunga nezvake.

Zviri nyore kufunga maererano nematongerwo emakwikwi makuru ekuti zvivako zvezvivako zvezvivako zvinowira zvichienderana nemararamiro akasiyana-siyana uye zvipingamupinyi, maitiro ehupfumi uye kubhadhara maitiro, tsika dzetsika dzekutengesa, uye maitiro ekutengeserana emhando yemhando. Imba yemuzinda inowanzogadzirwa mune rimwe remapoka anotevera:

Residential real estate investing - Iyi ndiyo nzvimbo iyo inosanganisira kuisa mari muzvivako zvakasungirirwa kune dzimba kana dzimba umo vanhu kana mhuri vanogara. Dzimwe nguva, zvivako zvezvivako zvemhando iyi zvine bhizinesi rebasa rebasa, zvakadai sezvivako zvekubatsira kune vakwegura kana zvivako zvizere zvebasa kune vashandi vanotsvaka ruzivo rwepamusoro. Kubhadhara kunowanzomhanyira kwemwedzi gumi nemaviri, kupa kana kutora mwedzi mitanhatu kune rumwe rutivi, zvichiita kuti kugadziriswa zvakanyanya kukurumidza kumamiriro ekutengesa kupfuura mamwe emhando dzezvivako zvekumba.
Commercial real estate investing - Commercial real estate investments inosanganisira zvivako zvehofisi. Izvo zvikwereti zvinogona kuvharwa mukati kwemakore mazhinji, zvichiguma nemunondo unocheka nepakati. Apo imwe yezvokutengeserana inotengesa dzimba inobhadharwa zvizere nevashandi venguva refu vanobvumirana nemari yakawanda yekutengesa mari, mari inoyerera inopfuurira kunyange kana zvikwereti zvekambani pazvienzanidzo zvinowira pasi (kana mumiriri asingakoshi). Kune rumwe rutivi, zvakasiyana-siyana ndezvechokwadi - iwe unogona kuzviwana uchiwana zvikwereti zvepamusoro-pesa zvekukwereti pane chivako chehofisi nokuti iwe wakasaina zvikwereti zvemazuva akawanda vasati vashandise mari.

Industrial real estate inopa mari - Imiti inowira pasi pezvinoshandiswa nemabhizimusi emvura imburera inogona kusanganisira zvivigiro uye nzvimbo dzekugovera, nzvimbo dzekuchengetedza, zvivako zvekugadzira, uye magungano emagungano.
Dzimba dzokutengesa imari - Vamwe vashandi vanoda kuva nemitambo yakadai sedzimba dzekutengesa, zvivara zvemasoro, kana zvivako zvemagariro. Vaparidzi vanogona kusanganisira mabhizimisi ezvitoro, vhudzi, maresitorendi, uye mabhizimisi akafanana. Mune zvimwe zviitiko, mahara ekubhadhara anosanganisira chikamu chekutengesa kwechitoro chekutengesa kuumba kukurudzira kuti mwene weimba agone kuita zvakadai saiye, iye, kana kuti anogona kuita kuti nzvimbo yekutengesa inakidze kune vatengesi.
Mixed-use real estate investing - Ichi ndicho chikwata-zvose chikamu kana muzvinesi anoumba kana kuti awana pfuma iyo inosanganisira mhando dzakawanda dzezvambotaurwa zvinotengeswa pfuma. Semuenzaniso, unogona kuvaka chivako chemashoko akawanda ane zvekutengeserana neresitorendi padhoro rezasi, nzvimbo yehofisi pane zvishoma pasi, uye nzvimbo dzekugara pane zvasara.

Iwe unogonawo kubatanidzwa pane kubhadhara chikamu chezvivako zvekuvakwa ne:

Kuve nebhangi rinonyora pasi rekutengesa uye zvekutengeserana zvikwereti. Izvi zvinogona kusanganisira umiridzi wevanhu vematokari . Kana munhu wezvikoro kana mumwe munhu ari kuita mari ari kuongorora mabhangi emabhangi, inobhadhara kubhadhara nzvimbo yekuchengetwa kwemahombekombe ebhengi mari.
Kunyoresa mari yekuchengetedza mari yega yega, uye kazhinji pamitengo yepamusoro yekubhadhara iwe nekuda kwengozi yakawedzerwa, zvichida kusanganisira kubhadhara mari yechikwereti.
Kuisa mari mu mezzanine chekuchengetedza, izvo zvinokubvumira kukweretesa mari kune purojekiti yeimba yekumba iyo iwe unogona kutendeuka kuva mugove wehutano kana isina kubhadharwa. Izvi dzimwe nguva zvinoshandiswa mukugadzirwa kwemahotera ehotera.

Kune zvikamu zviduku zvekuisa mari yekuvakwa kwembairo kusanganisira:

Kubhadhara nzvimbo kuitira kuti uwane zvishoma zvakasungirirwa mairi, uchivandudza iyo, uye uchitengesa nzvimbo imwe chete kune vamwe kune yakakwirira kwazvo, zvichigadzira kudzoka kunoshamisa pamari. Muenzaniso ibhizimusi rinoshandiswa zvakanaka rebhizimisi muguta guru umo vashandi vashoma kana vashambadziro vanogona kutenga nguva yehofisi kana kubhadhara mahofisi chaiwo.
Kuwana taiti-tiketi zvitiketi. Iyi inzvimbo yekutsvaga mari yekutengesa uye kusakodzeri maoko-kure kana vasave vasina ruzivo muzvikwereti asi iyo-pasi pemamiriro ezvinhu akanaka, panguva yakakodzera, uye nemhando yemunhu-inobhadhara zvakakwirira kudzorera kubhadhara musoro uye njodzi dzinobatanidzwa.

Real Estate Investment Trust (REITs)

Pamusoro peizvi zvose, iwe unogona kuisa mari muimba yekutengesa kuburikidza nechimwe chinhu chinozivikanwa semuzinda wekutsvaga mari, kana REIT. Mumwe mutengesi anogona kutenga REIT kuburikidza nekambani yekudhinda , Roth IRA , kana imwe nhoroondo yekuchengetedza yeimwe rudzi. Miti yakasiyana-siyana yakasiyana nokuti sangano iripo rairi kushandiswa rakasikwa zvakare panguva yehutungamiri hweEisenhower kukurudzira vatengesi vashoma kuti vashandise muzvigadzirwa zvemapurisa izvo zvingadai zvisina kukwanisa kutenga, zvakadai sekuvaka nzvimbo dzekutengesa kana mahotera. Makambani akasarudza kubhadhara mari yeRIT yepamutemo kwete yeHeraly tax tax pamabhadharo avo emakambani chero bedzi pavanotevera mitemo mishoma, kusanganisira chido chokugovera 90% kana zvimwe zvezvikwereti kune vagoveri sezvikamu.

Chimwe chikonzero chekutsvaga mari muReits ndechekuti, kusiyana nematokari akafanana, zvikamu zvakabhadharwa pavari hazvisi "zvakakosha zvikwereti", zvinoreva kuti muridzi haagoni kutora mari yakaderera yemari inowanika kune zvikamu zvakawanda. Pane kudaro, zvikwereti kubva kumatare emari ekubhadhara mari inoshandiswa pamutengo wemunhu wese. Pamusoro pekumusoro, IRS yakagadzirisa zvakare kuti zvikwereti zvinokonzerwa nezvikwereti zvinokonzerwa mukati memutero wemutero zvakadai seR Rollover IRA hazvikwanisi kusangana nebhaibheri risina kubhadhara mutero kuitira kuti iwe uwane kodzero yekuvabata mubasa rekusimudza pasina kunyanya kunetseka nekutengesa mutero , zvakasiyana nedzimwe nyanzvi yekubatana .

(Kana iwe uchida kudzidza zvakawanda pamusoro pezvivimbiso izvi zvakasiyana-siyana, tanga nokuongorora Real Estate Inotengeswa kuburikidza neRIT , iyo inosanganisira REIT yakawanda, kuenzana, kuti ingashandisa sei REIT kune imwe nzvimbo yako yekutsvaga mari, uye zvimwe zvakawanda.)

Kuisa muImba yeZvenyika kuburikidza neHomes Home

Pamusoro pezvinhu zvose zvekutsvaga dzimba dzinowanikwa kune vashandi, munhu wepakati pekuenda anotora nzvimbo yake yekutanga yeimba yega yega pfuma yekuita maitiro edzimba: Nokutenga imba.

Handina kumbobvira ndaona kubhadharwa kwemusha zvakafanana nenzira yakawanda yevanhu vanoita. Pane kudaro, ndinosarudza kufunga nezvekugara kwevanhu semugove wehutano hwemunhu uye yehutengo hwemari, uye kwete iyo inowanikwa mari. Kuti ive yakajeka, imba haisi yekusimwa nenzira imwecheteyo chivakwa chemba. Pamusoro pazvo zvakanakisisa, uye pasi pezvakanakisisa zvemamiriro ezvinhu, nzira yakachengeteka ndeyekufunga nezveimba semhando yekumanikidzirwa kuchengetedza account iyo inokupa zvakawanda zvekushandisa iwe pachako uye mufaro apo iwe unogara mairi.

Kune rimwe divi, iwe paunoswedera kumubhedha, kana iwe ukatora maonero akazara ehupfumi hwako, kunyanya kuva neimba (pasina chikwereti pamusoro pacho) ndechimwe chezvinhu zvakanakisisa zvekutsvaga izvo munhu anogona kuita. Hakusi kungoita chete kunogona kubatwa kuburikidza nekushandiswa kwemamwe mabhizimisi, kusanganisira reverse regager, asi kushamba kwemari kwakachengetedzwa kubva pakusakodzwa kazhinji kuwanikwa mumari yekuchengetedza - mari yezviwanikwa iyo ingadai yaenda kune mwene weimba inogarisa inogara muimba yeimba pocket. Izvi zvinoshanda zvikuru zvokuti kunyange kumashure kwema1920s economists vakanga vachiedza kutsvaga nzira yekuti hurumende yeHerald ibhadhara mari yekubhadhara pamusoro pokukweretesa vadzimba veimba vasina chikwereti, vachifunga kuti ndiyo inowanikwa mari.

Uyu ndiwo rudzi rwakasiyana rwekutsvaga, kunyange-chimwe chinhu chinozivikanwa se "mazano ekugadzirisa." Izvo hupfumi hukanyangarika, chero bedzi iwe uchikwanisa kubhadhara mitero yemitero uye yekuchengetedza zvese, hakuna munhu anogona kukudzinga kubva pamba pako. Kunyange kana iwe waifanira kukura zvokudya zvako mumunda, kune huwandu hwekuchengetedzwa kwako pachako izvo zvinokosha. Kune dzimwe nguva apo kudzoka kwezvemari kunowedzera kune dzimwe, zvakanyanyisa kufunga. Chero zvaunenge uchiita, zvisinei, usakanda zvipfeko zvako kuti uedze nekuvaka kuenzana muzvivako zvako zvekumba zvakakurumidza, sezvo izvozvo zvinogona kutungamirira kune njodzi (kusanganisira bankruptcy).

Kana uri kuchengetedza kuti uwane imba, chimwe chezvikanganiso zvakakura zvandinoona ndezvevatori vatsva vanoisa mari yavo mumusika wekutengesa, zvichida kuburikidza nematokisi ega ega kana kuenzanisa mari . Kana iwe uine mukana wekuda kutora mari yako mukati memakore mashanu kana kudarika, iwe hauna bhizinesi riripo kune pedo nemusika wekutengesa. Pane kudaro, iwe unofanirwa kutevera mutemo wekutsvaga mari inozivikanwa sekuchengetedzwa kwekuchengetwa . Heino nzvimbo dzakanakisisa yekuisa mari yauri kuchengetedza kwekubhadhara .

Ndeipi Izvo Zviri nani - Imba Dzimba Kuisa Kana Kuisa Mari Muzvitoro?

Imwe yemibvunzo inowanzosangana neni inosanganisira kukanganisa kwakanaka kwekutsvaga mari mumatanda zvichienderana nekutsvaga mune zvekugara . Icho chidimbu chipfupi ndechekuti zvakangofanana nekuenzanisa vanilla nechokoti ice cream. Izvo zvakasiyana, uye sezvo mambure ako akakodzera kukura, iwe ungatowana kuti ivo vose vane basa rinofanira kutamba muhuwandu hwenyu. Unhu hwako huchazivisawo chisarudzo chako, sezvinonzi vamwe vanhu vari kunyanya kutarisana nehupfumi hwehupfumi kana humba hweimba, maererano.

Ngozi dze Real Real Kuisa

Nhamba yepamusoro yezana rezvemigodhi inodzoka inokonzerwa nekuda kwekushandisa kwehuwandu. Imba yemaimba inowanikwa nehuwandu hwekuenzana, iyo yakasara inobhadhara chikwereti. Izvi zvinokonzera kudzoka kwepamusoro kwehutano kumutengesi wemuimba; asi kana zvinhu zvichienda zvakashata, zvinogona kukonzera kuparadzwa zvakanyanya kukurumidza kudarika chikwereti chezvikwama zvakakwana zvakabhadhara mashizha. (Izvozvo ndezvechokwadi kunyange iyo yakasara ne 90% muGreat Depress situation, sezvo pasina munhu angakumanikidza kuti uite).

Ndicho chikonzero ivo vanochengetedza zvikwereti vepfuma vemajeri vanoomerera pane chikwereti chekukweretesa kune makumi mashanu (50%) kana, mumamiriro ezvinhu akaipisisa, 100% akaenzana masimba makuru , izvo zvingave zvichiri kubhadhara zvikwereti zvakanaka kana iyo yeimba yeimba inosarudzwa nokuchenjera. Billionaire Charlie Munger anotaura nezveshamwari yake asati asvika muna 2007-2009 chaiyo yeimba yekuparadzwa. Uyu shamwari, mwene weimba yakafuma kwazvo muCalifornia, akatarisa-tarisa pamusoro pekukwirira kwepamusoro pazvinhu zvake uye akati kwaari: "Ndine mupfumi pane zvandingambofanira kuva.Hana chikonzero chekuti nditore njodzi nokuda kwekuwedzera . " Uyu shamwari akatengesa zvizhinji zvezvinhu zvake uye akashandisa mari yekubhadhara chikwereti kune avo vakasara vaifunga kuti yakanyanya kunaka. Somugumisiro, apo hupfumi hwakanyangarika, maronda edzimba yepamusoro akanga ari mumhirizhonga, vanhu vakanga vachirasikirwa nezvinhu zvavo kuti vazive, uye mabhanga emabhangi akanga achidonha - haafaniri kushungurudzika pamusoro pezvimwe zvacho. Kunyange semari inodonhedzwa pamusana pevashandi vezvemari, iyo yose yakanga ichiri kudarika mari uye yakanga yakashongedzwa nemari yakaramba ichidzokorora pachavo, ichimurega achishandisa mari yekutenga mari iyo munhu wese akamanikidzwa kutengesa.

Rega kuedza kuva mupfumi zvakakurumidza, uye gutsikana kuzviita nenzira yakarurama. Iwe unenge uine zvishoma kudzvinyirira muhupenyu hwako, uye zvinogona kuva zvinonakidza zvakawanda.

Dzimwe Mifungo Yokupedzisira ye Real Estate Kuisa

Zvechokwadi, izvi ndezvokutanga kwerwendo rwako kuti unzwisise nheyo yacho, sezvo isu tisina kutema pasi. Imari yekuisa mari yekutengesa inotora makore ekudzidzira, ruzivo, uye kutaridzika kuonga zvechokwadi, kunzwisisa, nekuziva.