Ungaluqala njani uTyalomali lweReal Estate kubaqalayo ngo-2024

Yintoni esona sikhokelo sokugqibela Utyalo-mali lwe-Real Estate kubaqalayo? Ngaba wakha wazibuza ukuba kukho isitshixo ekukhuleni kwezemali odlula utyalo-mali lwemveli?

Ngaba kukho into ephathekayo, eguqukayo, nenokuthi iguqule? Ngena kwihlabathi le-real estate investment-indawo apho izitena kunye nodaka lunokwakha ngaphezu kwezakhiwo nje; banokwakha indlela eya kwimpumelelo yemali.

Kweli nqaku, siza kuqalisa uhambo ngokusebenzisa iziseko zotyalo-mali lwezindlu ezithengiswayo kubaqalayo, siphonononga iinuances zayo kwaye siphendule imibuzo enokuthi ibangele umdla wakho.

Isiqulatho:

• Yintoni uTyalo-mali lwezindlu ezithengiswayo?
• Thatha iReal Estate njengoTyalo-mali
• Utyalo-mali lwe-Real Estate kubaqalayo beQhinga
  • Thenga ubambe
  • Lungisa-kwaye-Flip
  • IiTrasti zoTyalo mali zeZindlu (REITs)
  • Ukuvelisa
  • Ukubuyiselwa kwemali kwiRhwebo
  • House Hacking
  • I-REO (i-Real Estate ephethwe) uTyalo-mali 
  • IiKhetho zokuQesha
• IItrakthi ezibalulekileyo
• Imibuzo ebuzwa qho

Yintoni uTyalo-mali lwezindlu ezithengiswayo?

Utyalo-mali lwezindlu nezindlu lubandakanya ukuthengwa kobuchule, ubunini, kunye ulawulo yepropati ngenjongo yokuvelisa ingeniso okanye ukuqonda ukuxatyiswa kwenkunzi. Idlulela ngaphaya kobunikazi be-asethi, inikezela ngeendlela ezininzi zokuvula ixabiso lexesha elide le-asethi.

Eyona nto iphambili, utyalo-mali lwezindlu nezindlu kukuzibophelela okunenjongo kwemithombo yezemali ekufumaneni, ekuphuculeni, okanye ekuphuhlisweni kwepropathi, zonke zinenjongo zokugqibela zokuvelisa inzuzo.

Utyalo-mali lwe-real estate kwizicwangciso zabaqalayo ziyahluka, ukusuka kwirenti yexesha elide ukuya kugqithiso lwepropathi olukhawulezayo. Ivumela abatyali-mali ukuba bahambe iindlela zentengiso, thatha ithuba lokunyuka kwamaxabiso e-asethi, kwaye ucofe ingeniso yerenti ukuze ufumane imali.

Thatha iReal Estate njengoTyalo-mali

I-real estate lukhetho lotyalo-mali olunyanzelisayo ngenxa yezizathu ezininzi. Inika uzinzo kunye nokuphatheka njenge-asethi ebonakalayo, amandla okuxabisa ixesha elide, kunye nethuba lokuvelisa ingeniso eqhelekileyo ngokurentisa.

I-Real estate yongeza ulwahlulo kwiipotifoliyo zotyalo-mali, isebenza njengothango lokuchasa ukunyuka kwamaxabiso, kwaye ibonelela ngeenzuzo zerhafu. Abatyali-mali banolawulo kwiipropathi zabo, kwaye iindlela ezahlukeneyo zotyalo-mali zibonelela ngeendlela ezahlukeneyo zomngcipheko.

Ukongeza, i-real estate inokusebenza njengelifa, inikezela ngamathuba okudluliswa kobutyebi. Ngaphandle kweemeko zemarike, utyalo-mali olucwangcisiweyo lwezindlu nomhlaba lunokuvelisa imbuyekezo elungileyo xa lufikelelwa ngophando olucokisekileyo kwaye lulungelelaniswe neenjongo zezimali zomntu ngamnye.

Utyalo-mali lwe-Real Estate kubaqalayo beQhinga

Yeyiphi eyona nto ilungileyo yotyalo-mali lwezindlu kwisicwangciso sabaqalayo? Isicwangciso ngasinye sineseti yaso yokuqwalaselwa, kwaye impumelelo ixhomekeke kuphando olucokisekileyo, ukuqonda kweemarike, kunye nokulungelelaniswa neenjongo zakho zemali. Ngalo lonke ixesha cinga ngokufuna iingcebiso kwiingcali kunye nokwenza inkuthalo efanelekileyo phambi kokuba wenze izigqibo ezibalulekileyo zotyalo-mali lwezindlu nomhlaba.

Thenga ubambe

• Isicwangciso-qhinga: Tyala imali kwiipropati zexesha elide, uziqeshise ngenjongo yongeniso olungaguqukiyo.
• Uhlalutyo: Esi sicwangciso-qhinga sisebenza kuxabiso lwepropathi kunye nengeniso ethe gqolo eyenziwa ngokurentisa, nto leyo eyenza ibe lukhetho olunokugcinwa kulwakhiwo lobutyebi bexesha elide.
• Umzekelo: Thenga i-duplex kwindawo ekhulayo, urentise iyunithi enye, kwaye uhlale kwenye ngelixa amaxabiso epropathi enyuka ngokuhamba kwexesha.

Okulungileyo: Ingeniso yerenti engaguqukiyo, uxabiso lwepropathi enokubakho, kunye neenzuzo zerhafu.

Lungisa-kwaye-Flip

• Isicwangciso-qhinga: Thenga iipropati ezicinezelekileyo, uhlaziye, kwaye uthengise ngokukhawuleza ukufumana inzuzo.
• Uhlalutyo: Esi sicwangciso sifuna ukubandakanyeka okusebenzayo kuvuselelo lwepropathi kunye nexesha lentengiso, ngenjongo yokuthengisa ngomda oxabisa kakhulu.
• Umzekelo: Thenga ipropathi evaliweyo, utyalo-mali ekuhlaziyeni, kwaye uthengise ngenzuzo emva kokuba imarike iphinda ibuyele.

Okulungileyo: Ukubakho kwembuyekezo ekhawulezileyo, kunye nophuhliso lwezakhono ekulungisweni kwepropathi.

IiTrasti zoTyalo mali zeZindlu (REITs)

• Isicwangciso-qhinga: Tyala imali kwii-REIT ezithengiswa esidlangalaleni ukuze ufikelele kwiipotfoliyo ezahluka-hlukeneyo zezindlu nomhlaba.
• Uhlahlelo: Inikezela ngokuvezwa kwe-real estate kunye ne-liquidity, iyenza ilungele abatyali-mali abafuna ukuphepha ulawulo lwepropathi.
• Umzekelo: Tyala imali kwi-REIT egxile kwiipropati zokhathalelo lwempilo ukuze uzuze kuzinzo lwecandelo lezempilo.

Ilungele: Ukwahlukahlukana, ubutyebi, kunye nokubandakanyeka okuncinci kwezandla.

Ukuvelisa

• Isicwangciso-qhinga: Khusela iipropati ngexabiso eliphantsi, kwaye unike omnye umthengi ikhontrakthi ngentlawulo.
• Uhlalutyo: Ifuna izakhono eziqinileyo zothethathethwano kunye neliso elibukhali kwiipropati ezingaxatyiswanga. Ibandakanya inkunzi encinci kodwa ifuna ukufunyanwa kwezivumelwano ezifanelekileyo.
• Umzekelo: Chonga ipropati enxungupheleyo, uthethathethwano ngesivumelwano esilungileyo, kwaye unike ikhontrakthi kumtyali-mali wepropati okhangela ithuba lokulungisa kunye nokujika.

Okulungileyo: Imali yangaphambili ephantsi, ugxininiso kwizakhono zokufumana ukuthengisana.

Ukubuyiselwa kwemali kwiRhwebo

• Isicwangciso-qhinga: Ingxowa mali kunye nabanye ukutyala imali kwiiprojekthi zezindlu namaqonga e-intanethi.
• Uhlalutyo: Yehlisa umqobo ekungeneni, ibonelela ngokufikelela kwiiprojekthi ezinkulu ezinotyalo-mali oluncinci.
• Umzekelo: Tyala imali kwiqonga lenkxaso-mali yabantu abaninzi elixhasa iprojekthi yophuhliso lweendawo zokuhlala kwindawo efunwa kakhulu edolophini.

Okulungileyo: Ukunciphisa umngcipheko womntu ngamnye, kunye namathuba otyalo-mali ahlukeneyo.

House Hacking

• Isicwangciso-qhinga: Hlala kwiyunithi enye yepropathi eneeyunithi ezininzi, kwaye uqeshise ezinye ukuze uhlawule iindleko zindlu.
• Uhlalutyo: Ibonelela ngethuba elilodwa lokunciphisa iindleko zokuhlala zobuqu ngelixa kusakhiwa i-equity ngobunini bepropathi.
• Umzekelo: Thenga i-fourplex, hlala kwiyunithi enye, kwaye urentise ezinye ezintathu ukuze uhlawule iintlawulo zezindlu kunye neendleko zokuhlala.

Ilungele: Ukuvelisa ingeniso yerenti kunye namava obuqu olawulo lwepropathi.

I-REO (i-Real Estate ephethwe) uTyalo-mali 

• Isicwangciso-qhinga: Ukufumana iipropati emva kothiyo kwiibhanki okanye kubabolekisi.
• Uhlalutyo: Kubandakanya ukuthenga iipropathi ezicinezelekileyo ngeendleko ezinokuthi zibe phantsi kodwa kufuna inkuthalo enononophelo.
• Umzekelo: Thatha inxaxheba kwifandesi yokuhluthwa kwaye ufumane indawo yebhanki engaphantsi kwexabiso layo lemarike.

Okulungileyo: Ukubanakho ukufumana iipropati ezingaphantsi kwexabiso lemarike, ithuba lokuxabisa ixabiso.

IiKhetho zokuQesha

• Isicwangciso-qhinga: Nika abaqeshi ithuba lokuthenga ipropati emva kwexesha elichaziweyo lokurenta.
• Uhlalutyo: Idibanisa ingeniso yerenti kunye nentengiso yepropathi enokubakho kwixesha elizayo, ibonelela ngokuguquguquka kwawo omabini amaqela.
• Umzekelo: Ukuqeshisa ngepropati kubaqeshi ngenketho yokuthenga kwisithuba seminyaka emithathu, kubanika ixesha lokufumana inkxaso-mali ngelixa besenza ingeniso yerenti.

Okulungileyo: Ukutsala abathengi, kunye nokubonelela ngengeniso yerenti eqhubekayo.

IItrakthi ezibalulekileyo

Ngamafutshane, utyalo-mali lwe-real estate lwabaqalayo lunikeza enye indlela yokukhula kwemali ngaphaya kotyalo-mali oluqhelekileyo. Izindlu nezindlu zingaphezulu nje kwentengiselwano; imele uhambo oluya kwimpumelelo yemali yexesha elide. Bexhobe ngolwazi, abaqalayo bavula umnyango kwicandelo apho amandla abonakalayo kunye nenguqu ye-real estate iba sisiseko sempumelelo yexesha elide.

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Imibuzo ebuzwa qho

Ngaba ndingatyala i-100 yeedola kwizindlu nezindlu?

Ukuqala nge-100 yeedola kuphela, ungangena kwihlabathi lezindlu nomhlaba ngeendlela ezinje ngeeTrasti zoTyalo-mali lwe-Real Estate (REITs) okanye amaqonga okuxhasa abantu abaninzi. Ezi zikhetho zikuvumela ukuba utyale imali kwiiprojekthi zezindlu nomhlaba ngaphandle kokufuna utyalo-mali lwangaphambili.

Yeyiphi eyona ndawo inenzuzo yokuthengisa imali kuyo?

Inzuzo kwi-real estate ixhomekeke kwizinto ezifana nendawo kunye nohlobo lwepropathi. Iipropati zokuhlala kunye neeyunithi zokurenta zihlala zibonwa njengengeniso. Khangela iindawo ezinebango eliphezulu kunye nezinokubanakho ukuxatyiswa kwexabiso lepropathi ngenzuzo eyiyo.

Loluphi uhlobo lwezindlu nezindlu ezinembuyekezo engcono?

Ngembuyekezo engaguqukiyo, iipropati ezirentwayo, ezinje ngezindlu zokuhlala okanye iiflethi, ziyathandwa. Nangona kunjalo, eyona mbuyekezo ilungileyo ixhomekeke kwizinto ezifana nendawo, iintsingiselo zemarike, kunye neenjongo zakho zotyalo-mali.

Yeyiphi i-real estate eneyona ROI iphezulu (Return on Investment)?

Ukufezekisa iMbuyekezo ephezulu kuTyalo-mali (i-ROI) kunokwahluka, kodwa abanye abatyali-mali bafumana impumelelo kwizicwangciso ezinjengokuphephuka kwendlu ukufumana inzuzo ekhawulezileyo. Izindlu ezithengiswayo kwiindawo ezifunwayo nazo zinokuvelisa imbuyekezo ephezulu, nangona isoloko ifuna utyalo-mali olukhulu kunye nolawulo oluntsonkothileyo.

Ref: Umakhi wethamsanqa