Ungaqala Kanjani Ukutshala Izindlu Ngezindlu Kwabaqalayo ngo-2024

Uyini umhlahlandlela wokugcina I-Real Estate Investing Kwabaqalayo? Wake wazibuza ukuthi ngabe sikhona yini isihluthulelo sokukhula kwezimali esidlula ukutshalwa kwezimali okujwayelekile?

Ingabe kukhona okubambekayo, okuguquguqukayo, futhi okungase kube nokuguqula? Ngena emhlabeni wokutshalwa kwezimali ngendawo—indawo lapho izitini nodaka kungakha okungaphezu nje kwezakhiwo; bangakha indlela eya ekuchumeni ngokwezimali.

Kulesi sihloko, sizoqala uhambo lokudabula izisekelo zokutshalwa kwezindlu ezithengiswayo kwabaqalayo, sihlole ama-nuances akho futhi siphendule imibuzo okungenzeka ukuthi ivuse ilukuluku lakho.

Okuqukethwe:

• Iyini I-Real Estate Investment?
• Cabangela Izindlu Ezithengiswayo Njengotshalomali
• I-Real Estate Investing For Beginners Strategies
  • Thenga ubambe
  • Lungisa-futhi-Flip
  • Ama-Real Estate Investment Tr trust (ama-REIT)
  • I-Wholesaling
  • Ukuqoqwa kwemali ngabantu abaningi
  • Ukugebenga Indlu
  • REO (Real Estate Owned) Ukutshala imali 
  • Izinketho Zokuqashisa
• Izitoreji Eziyinhloko
• imibuzo ejwayelekile ukubuzwa

Iyini I-Real Estate Investment?

Ukutshalwa kwezimali kwezindlu ezithengiswayo kubandakanya ukuthengwa kwesu, ubunikazi, kanye ukuphathwa ngendawo ngenhloso yokuthola imali engenayo noma ukuthola ukwazisa kwezakhiwo. Idlulela ngalé kobunikazi bempahla, inikeza indlela enezici eziningi yokuvula inani lesikhathi eside lezimpahla.

Okuyisisekelo sakho, ukutshalwa kwezindlu nezindlu ukuzibophezela okunenhloso kwezinsiza zezezimali ekutholweni, ukuthuthukisa, noma ukuthuthukiswa kwendawo, konke okunomgomo wokugcina wokukhiqiza inzuzo.

Ukutshalwa kwezindlu ezithengiswayo amasu abasaqalayo kuhlukene, kusukela ekuqashweni kwesikhathi eside kuya ekudlulisweni kwempahla ngokushesha. Ivumela abatshalizimali ukuthi bazulazule ukuthambekela kwemakethe, thola ithuba lokukhuphuka kwentengo yempahla, futhi uthephe imali yokuqasha ukuze uthole inzuzo yezezimali.

Cabangela Izindlu Ezithengiswayo Njengotshalomali

Izindlu ezithengiswayo ziyinketho yokutshala imali ephoqelela ngezizathu ezimbalwa. Inikeza ukuzinza nokuthinteka njengempahla ebonakalayo, amandla okubonga kwesikhathi eside, kanye nethuba lokukhiqiza imali engenayo evamile ngokuqashisa.

Izindlu ezithengiswayo zengeza ukuhlukahluka kumaphothifoliyo wokutshalwa kwezimali, zisebenza njengethango elimelene nokwehla kwamandla emali, futhi inikeza izinzuzo zentela. Abatshalizimali banamandla okulawula izakhiwo zabo, futhi amasu ahlukahlukene okutshala izimali abhekelela izintandokazi ezihlukile zobungozi.

Ukwengeza, izindlu ezithengiswayo zingasebenza njengefa, zinikeze amathuba okudlulisa ingcebo. Naphezu kwezimo zemakethe, ukutshalwa kwezimali kwezindawo ezithengiswayo kungaletha izinzuzo ezinhle uma kukhulunywa ngocwaningo olucophelelayo futhi kuqondaniswe nemigomo yezezimali ngayinye.

I-Real Estate Investing For Beginners Strategies

Iyiphi indlela engcono kakhulu yokutshala izindlu nezakhiwo zamasu aqalayo? Isu ngalinye linesethi yalo yokucatshangelwa, futhi impumelelo incike ocwaningweni olunzulu, ukuqonda imakethe, kanye nokuhambisana nemigomo yakho yezezimali. Ngaso sonke isikhathi cabanga ngokufuna iseluleko kochwepheshe kanye nokwenza ngokucophelela ngaphambi kokwenza izinqumo ezibalulekile zokutshalwa kwezindlu.

Thenga ubambe

• Isu: Tshala imali ezakhiweni isikhathi eside, uziqashise ukuze uthole indlela yokuthola imali engashintshi.
• Ukuhlaziya: Leli su lisiza ekubalweni kwezakhiwo kanye nemali engenayo engaguquki etholwa ngokuqashisa, okulenza libe yinketho elandelanayo yokwakha ingcebo yesikhathi eside.
• Isibonelo: Thenga i-duplex endaweni ekhulayo, uqashe iyunithi eyodwa, futhi uhlale kwenye ngenkathi amanani ezakhiwo enyuka ngokuhamba kwesikhathi.

Okuhle kakhulu: Imali etholwayo yokuqasha engaguquki, ukubongwa kwesakhiwo okungaba khona, kanye nezinzuzo zentela.

Lungisa-futhi-Flip

• Isu: Thenga izindawo ezicindezelekile, ulungise, futhi udayise ngokushesha ukuze uthole inzuzo.
• Ukuhlaziya: Leli su lidinga ukubamba iqhaza okubonakalayo ekulungisweni kwezakhiwo kanye nesikhathi semakethe, ngenhloso yokuthengisa ngenani elincomekayo.
• Isibonelo: Thenga indawo evaliwe, tshala imali ekulungisweni, futhi udayise ngenzuzo ngemva kokubuya kwemakethe.

Okuhle kakhulu: Angase abe nembuyiselo esheshayo, nokuthuthukiswa kwamakhono ekulungiseni indawo.

Ama-Real Estate Investment Tr trust (ama-REIT)

• Isu: Tshala imali kuma-REIT ahweba esidlangalaleni ukuze ufinyelele kumaphothifoliyo ezindawo ezithengiswayo ahlukahlukene.
• Ukuhlaziya: Inikeza ukuchayeka kwezindawo ezithengiswayo okune-liquidity, okuyenza ifaneleke kubatshalizimali abafuna ukugwema ukuphathwa kwezakhiwo.
• Isibonelo: Tshala imali ku-REIT egxile ezimpahleni zokunakekelwa kwempilo ukuze uzuze ekuzinzeni komkhakha wezindawo zokunakekelwa kwempilo.

Okuhle kakhulu: Ukwehlukahlukana, i-liquidity, nokubamba iqhaza ngezandla okuncane.

I-Wholesaling

• Isu: Vikela izakhiwo ngentengo ephansi, futhi unikeze omunye umthengi inkontileka ngenkokhelo.
• Ukuhlaziya: Kudinga amakhono aqinile okuxoxisana kanye neso elibukhali lezakhiwo ezingabalulekile. Ifaka imali encane kodwa idinga ukutholakala kwezivumelwano ezifanele.
• Isibonelo: Khomba indawo ecindezelekile, bonisana ngesivumelwano esihle, futhi unikeze inkontileka kumtshali wezakhiwo ofuna ithuba lokulungisa nokuphenya.

Okuhle kakhulu: Imali yangaphambili ephansi, kugcizelelwa kumakhono okuthola isivumelwano.

Ukuqoqwa kwemali ngabantu abaningi

• Isu: Izimali ze-pool nabanye ukuze zitshale kumaphrojekthi wezindlu ezithengiswayo ngokusebenzisa izinkundla eziku-inthanethi.
• Ukuhlaziya: Yehlisa isithiyo sokungena, inikeze ukufinyelela kumaphrojekthi amakhulu ngokutshalwa kwezimali okuncane.
• Isibonelo: Tshala imali kunkundla yokuqoqa imali yabantu abaningi esekela iphrojekthi yokuthuthukisa indawo yokuhlala endaweni yasedolobheni edingeka kakhulu.

Okuhle kakhulu: Ubungozi bomuntu ngamunye obuncishisiwe, kanye namathuba ahlukahlukene okutshala imali.

Ukugebenga Indlu

• Isu: Hlala kuyunithi eyodwa yendawo enamayunithi amaningi, futhi uqashe amanye ukuze ukhokhele izindleko zezindlu.
• Ukuhlaziya: Kunikeza ithuba eliyingqayizivele lokunciphisa izindleko zokuphila komuntu siqu ngenkathi wakha ukulingana ngobunikazi bendawo.
• Isibonelo: Thenga i-fourplex, hlala eyunithi eyodwa, futhi uqashe ezinye ezintathu ukuze ukhokhele izinkokhelo zezindlu kanye nezindleko zokuphila.

Okuhle kakhulu: Ukukhiqiza imali yokuqashisa kanye nolwazi lokuzibonela ngawakho lokuphatha izakhiwo.

REO (Real Estate Owned) Ukutshala imali 

• Isu: Thola izakhiwo ngemuva kokuvalwa kumabhange noma kubabolekisi.
• Ukuhlaziya: Kuhilela ukuthenga izakhiwo ezicindezelekile ngezindleko ezingase zibe phansi kodwa kudinga ukukhuthala okufanele.
• Isibonelo: Bamba iqhaza endalini yokudliwa futhi uthole indawo ephethwe yibhange engaphansi kwevelu yayo yemakethe.

Okuhle kakhulu: Amathuba okuthola izakhiwo ezingaphansi kwevelu yemakethe, ithuba lokwazisa inani.

Izinketho Zokuqashisa

• Isu: Nikeza abaqashi inketho yokuthenga indawo ngemuva kwesikhathi esibekiwe sokuqashisa.
• Ukuhlaziya: Kuhlanganisa imali etholwayo ngokuqashisa nezinto ezingase zithengiswe esikhathini esizayo, kunikeze ukuguquguquka kwazo zombili izinhlangothi.
• Isibonelo: Qasha indawo kubaqashi ngenketho yokuthenga phakathi neminyaka emithathu, ubanike isikhathi sokuthola uxhaso lwezimali ngenkathi bengenisa imali yokuqasha.

Okuhle kakhulu: Ukuheha abathengi, kanye nokuhlinzeka ngemali engenayo yokuqasha eqhubekayo.

Izitoreji Eziyinhloko

Ngamafuphi, ukutshalwa kwezindlu ezithengiswayo kwabaqalayo kunikeza enye indlela yokukhula kwezimali ngale kokutshalwa kwezimali okuvamile. Izindlu ezithengiswayo zingaphezu nje kokuthengiselana; imele uhambo oluya empumelelweni yezezimali yesikhathi eside. Behlome ngolwazi, abasaqalayo bavula umnyango womkhakha lapho amandla abambekayo naguqukayo ezindawo ezithengiswayo eba yisisekelo sokuchuma kwesikhathi eside.

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imibuzo ejwayelekile ukubuzwa

Ngingakwazi ukutshala ama-dollar angu-100 ku-real estate?

Ukuqala ngo-$100 nje kuphela, ungangena emhlabeni wezindlu ezithengiswayo ngezindlela ezifana ne-Real Estate Investment Trusts (REITs) noma izinkundla zokuqoqa imali. Lezi zinketho zikuvumela ukuthi utshale imali kumaphrojekthi wezindlu ezithengiswayo ngaphandle kokudinga ukutshalwa kwezimali okukhulu kwangaphambili.

Iyiphi indawo enenzuzo enkulu ongatshala kuyo?

Inzuzo yezindlu ezithengiswayo incike ezintweni ezifana nendawo nohlobo lwesakhiwo. Izakhiwo zokuhlala nezindawo eziqashisayo zivame ukubhekwa njengenzuzo enkulu. Bheka izindawo ezinesidingo esikhulu futhi ezingase zibe nokwazisa kwenani lezakhiwo ukuze uthole inzuzo ephezulu.

Iluphi uhlobo lwezindlu ezithengiswayo olunembuyiselo engcono kakhulu?

Ngembuyiselo engashintshi, izakhiwo eziqashisayo, njengezindlu zokuhlala noma amafulethi, zidumile. Kodwa-ke, imbuyiselo engcono kakhulu incike ezintweni ezifana nendawo, izitayela zemakethe, kanye nezinhloso zakho zokutshala imali.

Iyiphi indawo ethengiswayo ene-ROI ephezulu kakhulu (Return on Investment)?

Ukuzuza Imbuyiselo ephezulu kakhulu Yotshalomali (ROI) kungahluka, kodwa abanye abatshalizimali bathola impumelelo kumasu afana nokuphenyisisa indlu ukuze bathole inzuzo esheshayo. Izindlu ezithengiswayo ezindaweni ezifunwayo nazo zingaletha izinzuzo eziphezulu, nakuba ngokuvamile zidinga ukutshalwa kwezimali okukhulu kokuqala kanye nokuphathwa okuyinkimbinkimbi.

Ref: Umakhi wenhlanhla