Nzira Yokuita Mari Nekutsvaga mu Real Estate
Nzira Nhatu Dzakakosha Kuita Mari kubva ku Real Estate Investments
Pane nzira nhatu dzinokosha dzevatengi vanoita mari kubva kune dzimba:
- Kuwedzerwa kwekukosha kweimba,
- Kushandiswa kwekukwereta kunounganirwa nekubhadhara chivako kune vashandi, uye
- Nharo inowanikwa kubva mubhizimisi inoshandiswa kubva pane zveimba.
Muchidimbu, ndizvo zvazviri. Ichokwadi kuti kune dzimwe nzira dzedzimwe nzira dzakananga kana dzisinganzwisisi kubatsirwa kubva kune dzimba, zvakadai sokudzidza kugadza mune dzimwe nzvimbo dzeesoteric dzakadai sedare rekitiketi zvitiketi, asi zvinhu zvitatu izvi zvinokonzera huwandu hwakawanda hwekuwana mari , uye hupfumi hwekupedzisira, zvave zvichishandiswa muindasitiri yeimba. Nokudzidza kuti ungashandisa sei zvinyorwa zvehutoriko rako, iwe unogona kuwedzera imwe yefa yepasitendi kune yako yose yekugoverwa kwezvinhu , kuwedzera zvose zvekusimbisa uye, kana ikashandiswa nekuchenjerera, kuderedza dambudziko.
1. Kuita Mari Kubva Mukuwedzera MuPfuma Yezvakanaka zveWeat Real Estate Investments
Chokutanga, zvakakosha iwe unonzwisisa kuti zvivako zveimba hazvisi kuwedzera nguva dzose.
Izvi zvinogona kuve zvakajeka munguva dzakafanana nekunopera kwema1980 nekutanga kwema1990, uye 2007-2009 real estate collapse. Muzvokwadi, muzviitiko zvakawanda, pfuma yepamusoro haigoni kuparadza kupera. Somuenzaniso, kana iwe uine $ 500,000 chikamu chemahofisi uye kutengesa kwezvikamu zvinokwana 3%, nzvimbo yako inogona kutengesa $ 515,000 ($ 500,000 x 1.03%) asi iwe hausi munhu akapfuma kupfuura iwe gore rapera.
Izvi zvinoreva kuti iwe unogona kutenga mutengo wakafanana wemukaka, chingwa, cheese, mafuta, petrooline, nezvimwe zvinhu (chokwadi, cheese inogona kunge iri pasi gore rino uye mafuta, asi mararamiro ako aizoramba ari akafanana). Chikonzero chacho? Mari ye $ 15,000 yakanga isiri yechokwadi. Yaiva nomugumo.
Izvi zvinoitika nokuti hurumende inofanirwa kuumba mari iyo inopedza zvinopfuura zvinotora mumitero. Zvose zvimwe zvakaenzana, nekufamba kwenguva, izvi zvinoita kuti mumwe wega wega wekurasi wekurasikirwa uye kukoshesa zvishoma pane zvaiva munguva yakapfuura.
Imwe nzira iyo savasiest investors vanogona kugadzira mari muimba yekutengeserana ndeyekuti vashandise mamiriro ezvinhu anotaridzika kukura mumakumi emakumi emakore mashomanana: Kana chiyero chekutsvaga kwezvirwere ichifungidzirwa kuti chiwedzere kudarika kwemazuva ano kwechikwereti kwenguva refu , iwe unogona kuwana vanhu vanoda kutamba nekuwana dzimba, kukwereta mari yekubhadhara kutenga, uye nekumirira kutengesa kwekuwedzera kuwedzera. Nenzira iyo, vanogona kubhadhara zvikwereti zvemari nezvikwereti zvakakosha zvakanyanya. Izvi zvinomiririra kutumidzwa kubva kune vanobatsira kune vane chikwereti. Iwe wakaona vazhinji vezvivako zvekumba pfuma vachiita mari nenzira iyi muma1970 uye kutanga kwema1980 sezvo inflation yakatanga kukura kunze kwekugadzirisa Pauro Paul Volker asati atora 2x4 kumashure kwayo uye akaiunza pasi pesimba nekunyanya kukwidziridza chido chekuda .
Icho chinonyengedza kutenga apo mabhasiji akachinjwa mazinga emakwikwi ari kukwezva kana kana iwe uchifunga kuti pane chikonzero chaicho chokuti chimwe chikamu chedzimba rimwe zuva richave chakakosha pane ikozvino pagoji yekutengesa chete inoratidza kuti inofanira kuva. Semuenzaniso, vane tarenda vepfuma vepfuma vanogona kutarisa purogiramu yakakodzera, panguva yakakodzera, pamutengo wakakodzera, uye chaizvoizvo vachigadzira mari inotevera yekubhadhara mari kuti vatsigire kuongororwa kunogona kuonekwa sepfuma maererano nemamiriro ezvinhu ikozvino nokuti vanonzwisisa mari, misika, uye vatengi. Munharaunda yangu yekare, ndakatarisa hotera yakaipa yekare pane imwe nzvimbo yakawanda yenyika inoshandurwa kuva nzvimbo inoshambadzira yekutengesa ine zvivako zvehofisi ichikurira mari yakawanda kune muridzi. Usina hukama nemari inoyerera, ikozvino kana yakakosha yenhasi, iwe uri kufungidzira kune imwe nzvimbo kana imwe, zvisinei nokuti iwe unoti chii, pasinei nokuti mabhengi anobvumira zvikwereti zvako, uye hazvinei pasinei nechinangwa chevanhu vanokupoteredza.
Iwe unoda humwe huwandu hwekutsvaga mubhadharo yezita (kana uri kushandisa chikwereti kuti ubhadharire kutenga) kubhadhara iwe kunze kana chimwe chechiitiko chisingabviri kuti uite basa rako.
2. Kugadzira Mari Kubhadharwa Imba Yakakonzerwa neWe Real Estate Investments
Kuita mari kubva pakuunganidza zvikwereti zvakajeka zvokuti vose vane makore matanhatu avo vakambotamba mutambo weMonopoly vanonzwisisa pane imwe nzvimbo yepamusoro yekuti zvidzidzo zvinoshanda sei. Kana iwe uine imba, chivako cheimba, chivako chehofisi, hotera, kana imwe ipi zvayo inoshandiswa kwemari , iwe unogona kukwereta vanhu kuti vashandise mukutengesa kuvabvumira kushandisa imba kana nzvimbo. Ichokwadi, zviri nyore uye zviri nyore hazvisi chinhu chimwe chete. Kana iwe uine zvivako zveimba kana dzimba dzekurenda, unogona kuzviwana uchitarisana nezvinhu zvose kubva pane zvimbudzi zvakaputsika kusvika kune vashandi vaishanda meth labs. Kana iwe uine zvipfeko zvemahofisi kana zvivako zvehofisi, ungafanira kutarisana nebhizinesi rakabhadhara kubva iwe uchienda kubhadhara. Kana uine pfuma yezvokugadzirwa kwemabhizimisi, unogona kuzviwana uchitarisana nekuongororwa kwezvakatipoteredza nezvezviito zvevarimi vakashandisa pfuma yenyu. Kana iwe uine zvigadzirwa zvekuchengetera, kuba kunogona kunge kunetseka. Imari yezvivako zvekumba haisi iyo iwe unogona kufonera mukati uye kutarisira kuti zvinhu zvose zvifambire zvakanaka.
Mashoko akanaka ndeokuti pane zvishandiso zvinowanika izvo kuenzanisira pakati pezvivako zvekutengesa zvivako zviri nyore. Imwe yeiyi, iyo ichava yakakosha kwauri pamutsva wako wekuita mari kubva kune imwe nzvimbo iyo inokosha mari yehutano inonzi cap rate, iyo inopfupika ne "chikwata chemari". Kana imwe nzvimbo inowana $ 100,000 pagore uye inotengesa madhora 1 000 000, iwe uchagovera mari ($ 100,000) nemutengo wemari ($ 1,000,000) uye uwane 0.1, kana 10%. Izvozvo zvinoreva kuti chikwata cheimba yacho 10%, kana kuti iwe waizowana mari inotarisirwa 10% pane iwe wekutsvaga iwe kana iwe uchibhadhara imba iyo yega mari uye pasina chikwereti.
Sokutengeswa kwekugadzirisa kwekutengeswa kwemari kunotengesa kukosha kwekutsvaga kwemari inoshandiswa, nzvimbo yekutengesa ndiyo yakakosha inobatana pamwe chete 1.) iyo inoshandiswa iyo inowedzera kune muridzi wayo uye 2.) mari yakawanikwa ino mari inoyerera inogadzira mutengo wakabhadharwa kubhadhara. Kukodzwa mari inogona kuva chikamu chekuchengeteka chinokuchengetedza panguva yekudonha. Mimwe mhando yezvivako zvezvivako zvekuvakwa zviri nani zvakakodzera nokuda kwechinangwa ichi. Kudzokera kumusangano wepakutanga wezvinetso zvekuita mari kubva kune zvivako, zvivako zvehofisi, kupa mifananidzo imwe, inowanzobatanidza nguva refu, yezvikwata zvemakore akawanda. Tenga imwe pamutengo wakakodzera, panguva yakakodzera, uye nekodzero yekugadzirisa uye kubhadhara mukana wekukura, uye iwe unogona kufamba nechikepe kupera kwemahombekombe ekuunganidza kuunganidza pamusoro pekuvhara kwekodha hunoshandiswa nemakambani anotengesa kubva kwauri anoramba achipa (nemhaka ye chibvumirano chechibvumirano chavakasayina) kunyange kana mitengo yakaderera iripo kune imwe nzvimbo. Ita izvi zvisina kururama, kunyange zvakadaro, uye iwe unogona kuvharwa mu sub sub par kudzoka nguva refu mushure mokunge marenga adzoka.
3. Kuita Mari kubva kuZvashandi Zvebhizimisi Maitiro
Nzira yekupedzisira yekugadzira mari kubva muzvivako zvezvivako zvinosanganisira mabasa anokosha uye mabhizinesi. Kana iwe uine hotera, unogona kutengesa mafirimu anodikanwa kune vaeni vako. Kana iwe uine chivako chehofisi, unogona kuwana mari kubva kumagetsi ekugadzira uye kupaka magaraji. Kana iwe uine gorozi rinoshamba, unogona kuwana mari kubva panguva yakachengetedzwa-vacuum cleaners. Izvozvi marudzi ekutsvaga mari inoda nguva dzose inoda ruzivo ruzivo; somuenzaniso, pane varume nevakadzi vanopedza basa ravo rose rinonyanya kugadzirisa, kuvaka, kugadzira nekushandisa motokari kushambidzwa. Kune avo vanokwira kumusoro kwebasa ravo uye vanonzwisisa matambudziko emumwe mushamba, mukana wekuita mari unogona kusingaperi.
Zvakawanda Pamusoro Pokuita Mari MuHurumende
Kuti uwane mamwe ruzivo pamusoro pekuita mari mune zvembairo, verenga The Complete Beginner's Guide to Real Estate Investing .