Kanjani Do The Rih Cophe Withi Iukwehla kwamandla emali?
08/20/2022
Ngashaqeka lapho ngizwa umngane wami wakudala u-Tom ekhuluma ngesipiliyoni sakhe sokutshalwa kwezimali kwe-real estate roller-coaster.
U-Tom waqala impilo yakhe yomsebenzi ngo-2011. Ngokungafani nami, waqala ukutshala izakhiwo kusukela ngo-2014. Ngaphandle kwezindleko zakhe zansuku zonke, yonke imali yakhe esele itshalwe emakethe yezindlu.
Phezu kwalokho waze waboleka imali kubabolekisi abahlukene ukuze athenge izindlu.Ngonyaka ka-2017, cishe kwakunezindawo zokutshala izimali ezinhlanu noma eziyisithupha ezandleni zakhe.
UTom uveze imininingwane yemali yakhe yokutshala imali yonyaka iza ngemithombo emibili:
Ukugeleza kwemali kwezakhiwo eziqashisayo.
Ithengiswe izakhiwo ezigcinwe unyaka owodwa noma emibili, ukubuyisela cishe kufinyelele ku-10% noma ngezinye izikhathi ngisho nangaphezulu.
Umsebenzi onjalo wokutshala izimali onemivuzo ephezulu uholela ekutheni ashiye phansi umsebenzi ngoMashi 2017 futhi waba umnikazi wendawo wesikhathi esigcwele ngemuva kwalokho.
Kuze kube manje, imali yakhe yonke yonyaka yerenti ingaba ezinkulungwaneni zamaRandi;ngaphezu kwalokho, njengoba intengo yendlu ikhuphuka, inani lendawo yokutshala izimali likhuphuka kakhulu.
Eqinisweni, imakethe yezindlu ezithengiswayo ibiwuhlelo “olufanelekela ukutshalwa kwezimali” kubatshalizimali bomhlaba kusukela ngeminyaka yawo-1990.Abatshalizimali abatshala imali ku-real estate, hhayi nje ukulwa nokwehla kwamandla emali, basindise izintela, kodwa futhi basebenzise amandla ngokuphumelelayo.Ukutshala imali emakethe yezakhiwo kungasiza abatshalizimali ukuthi bathole imali engenayo ezinzile eminyakeni embalwa, futhi kungasiza abatshalizimali ukuthi bathole ukuchuma kwempahla esikhathini esizayo.
Ngemali engenayo yokuqasha ezinzile evela ezakhiweni ezitshaliwe kanye nenani lesakhiwo ngokwaso siyakhula ngokuhamba kwesikhathi.Izindlu ezithengiswayo zibonwe njengothango olungcono kakhulu lokumelana nokwehla kwamandla emali.
Ngokusho kwedatha yomlando, ngaphandle kwe-subprime mortgage crisis ngo-2007, intengo yemakethe yezindlu nezindlu ayizange yehle.Kusukela ngo-1992 kuya ku-2021, amanani entengo yendawo akhuphuke ngesilinganiso sama-4% ngonyaka, cishe ngokuqhubekayo ngaphezu kwezinga lonyaka lokukhuphuka kwamandla emali esikhathini esifanayo.
Umthombo ovela ku-Federal Housing Finance Agency.
Abatshalizimali bangathola izinzuzo ezinhle ngokusebenzisa imali elinganiselwe.
Ngokwesibonelo:
Uma umtshali-zimali efuna ukuthenga amasheya ngesamba esingu-$500,000, kufanele afake u-$500,000.
Kodwa uma umtshali-zimali ethenga indawo engu-$500,000, angase adinge nje ukubeka u-$200,000 emakethe futhi alinde intengo yendlu ikhule ifinyelele ku-$500,000.
Isibonelo: ukuze uthenge isitoko esingu-$500,000, ngokuvamile kufanele ubeke u-$500,000. Kodwa uma uthenga indawo engu-$500,000, ungase ufake nje u-$200,000 bese ulinda ukutshalwa kwezimali ukuthi kukhule ku-$500,000.
Ngaphezu kwalokho, imakethe yokuqasha iyaqhubeka nokuba ne-boom engakaze ibonwe, ngerekhodi lamayunithi angama-700,000 aqashwe kusukela kwikota yokuqala ka-2021 kuya engxenyeni yokuqala ka-2022, okungaphezu kokuphindwe kabili kwesilinganiso seminyaka emihlanu yakamuva.
Ngokuvamile, intengo yokuqasha izokhuphuka uma umqashi efuna ukuvuselela isivumelwano sokuqashisa.Ngakho-ke imali engenayo ye-real estate ivame ukukhula ngokushesha endaweni yokwehla kwamandla emali.
Umthombo ovelahttps://wallstreetcn.com/
Idatha yakamuva evela eMnyangweni Wezabasebenzi ibonise ukuthi inkomba yentengo yabathengi ikhuphuke ngo-8.5% ngoJulayi kusukela ngonyaka odlule, namanje cishe eminyakeni eyishumi ephakeme, futhi ukwehla kwamandla emali okuphezulu kangaka kuholela ekwehleni kwempahla ediphozithiwe.
Uma kukhona noma iyiphi indlela yokutshala imali kumongo we-inflation ephezulu, impendulo kufanele ibe ukuboleka okwengeziwe emabhange.Abatshalizimali abahlakaniphile kufanele bafunde ukuboleka okwengeziwe ukuze batshale imali.
Eqinisweni, lapho izinga lokwehla kwamandla emali lilingana nezindleko zakho zokuboleka, kufana nokuboleka imali mahhala;uma izinga lokwehla kwamandla emali liphezulu kunezindleko zokuboleka, khona-ke amabhange kanye nohulumeni bakhokha imali eyengeziwe kuwe.
Ngakho-ke ungaboleka kanjani inani eliphezulu lemali ebhange ngenani lenzalo elifanelekile ngaphakathi kwamandla wezomnotho?Isihluthulelo sokutshala imali emakethe yezindlu!Ucabanga ukuthi ukuthenga indawo ngayo yonke imali kuzoba yindlela efanele yokulwa nokwehla kwamandla emali ikakhulukazi njengoba ukwehla kwamandla emali kufinyelele ku-8% muva nje?
Uma unemali engu-$500,000 futhi uyisebenzisela ukuthenga indawo engu-$500,000, kucatshangwa ukuthi indawo yaziswa yaba ngu-$600,000 ngemva kweminyaka engu-5, khona-ke izinga leminyaka emihlanu lokubuyisela lizoba ngu-20% (Ngaphansi kwezimo ezikahle) .Kodwa-ke, ukunyuka kwe-$ 100,000 kungase kungafinyeleli izinga lokwehla kwamandla emali.
Kodwa uma uboleka imali ebhange, ungasebenzisa u-$500,000 ukuze uthenge izindawo ezimbili ezixhaswe ngezimali eminyakeni emi-5 kamuva, uzothola izindawo ezimbili ezinenani eliphelele elingu-$1.2M.Khona-ke imbuyiselo yakho yeminyaka emi-5 ingaba ku-140% {($1,200,000-$500,000)/$500,000=140%, Ngaphansi kwezimo ezikahle futhi kucatshangwa ukuthi imali engenayo yokuqasha indlu inkulu kunezindleko zesikweletu}!
Izibonelo ezingenhla zibonisa ukuthi akuyona indawo ethengiswayo engakusiza ngempela ukuthi umelane nokwehla kwamandla emali;yisikweletu seqophelo eliphezulu osixhase ngezimali esingakusiza ukuthi ulwe nokwehla kwamandla emali futhi ukhulise ingcebo yakho.
Sinezindaba ezinhle kubo bonke abatshalizimali bezindlu ezithengiswayo, uhlelo lwethu olusha: No Doc, No Credit!Izinga lenzalo liphansi laya ku-6.25%!
Iminyaka emi-4 kuphela egciniwe ye-P&I edingekayo!Inqubo yemalimboleko elula izokusiza ukuthi unqobe ukwehla kwamandla emali kalula!
Ngamafuphi, ukwazi ukuboleka imali kuzokusiza wenze imali eyengeziwe!
Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.
Isikhathi sokuthumela: Aug-20-2022