Njani Do The Rich Copha With Iukunyuka kwamaxabiso?
08/20/2022
Ndothuswa kukuva umhlobo wam wakudala uTom ethetha malunga namava akhe otyalo-mali lwe-real estate roller-coaster.
UTom waqala ubomi bakhe bomsebenzi ngo-2011. Ngokungafaniyo nam, waqala utyalo-mali lwe-real estate ukususela ngo-2014. Ngaphandle kweendleko zakhe zemihla ngemihla, intsalela yakhe yokugcina ityalwe kwimarike yezindlu.
Ngaphezu koko, wade waboleka imali kubabolekisi abahlukeneyo ukuze athenge izindlu.Ngonyaka we-2017, mhlawumbi kwakukho iipropati ezintlanu okanye ezintandathu zotyalo-mali ezandleni zakhe.
UTom utyhile iinkcukacha zomvuzo wakhe wotyalo-mali wonyaka uza malunga nemithombo emibini:
Ukuhamba kwemali kwiipropati ezirentwayo.
Ukuthengiswa kweepropati ezigcinwe unyaka omnye okanye emibini, imbuyekezo iphantse yafikelela kwi-10% okanye ngamanye amaxesha nangaphezulu.
Umsebenzi onjalo wotyalo-mali ovuzayo kakhulu wamkhokelela ekubeni arhoxe emsebenzini ngoMatshi ka-2017 kwaye waba ngumnini-mhlaba osisigxina emva koko.
Ukuza kuthi ga ngoku, umvuzo wakhe wonyaka werenti ungafikelela kwikhulu lamawaka eedola;ukongeza, njengoko ixabiso lendlu linyuka, ixabiso lepropathi yotyalo-mali landa kakhulu.
Ngapha koko, imakethi yezindlu nezindlu ibiyinkqubo “yotyalo-mali olufanelekileyo” kubatyali-zimali behlabathi ukusukela ngoo-1990.Abatyalomali abatyala imali kwi-real estate, kungekhona nje ukulwa nokunyuka kwamaxabiso, ukugcina irhafu, kodwa nokusebenzisa i-leverage ngokufanelekileyo.Tyala imali kwimarike yepropathi inokunceda abatyali-zimali bafumane ingeniso ezinzileyo kwiminyaka embalwa, ikwanokunceda abatyali-mali ukuba bafezekise impumelelo ye-asethi kwixesha elizayo.
Ngengeniso yerenti ezinzileyo evela kwiipropati zotyalo-mali kunye nepropati ngokwayo ixabiso liyakhula ngokuhamba kwexesha.I-real estate ibonwe njengeyona nto ilungileyo yokulwa nokunyuka kwamaxabiso.
Ngokweedatha zembali, ngaphandle kwe-subprime mortgage crisis ngo-2007, ixabiso le-real estate market alizange liwele.Ukusukela ngo-1992 ukuya kowama-2021, amaxabiso ezindlu enyuke ngomyinge we-4% ngonyaka, phantse ngokuthe rhoqo ngaphezulu komlinganiselo wonyaka wokunyuka kwamaxabiso kwangelo xesha linye.
Umthombo ovela kwi-Federal Housing Finance Agency.
Abatyali-mali banokufumana imbuyekezo enkulu ngokusebenzisa imali encinci.
Umzekelo:
Ukuba umtyalo-mali ufuna ukuthenga isitokhwe ngesamba seedola ezingama-500,000, kufuneka abeke i-500,000 yeedola.
Kodwa ukuba umtyali-mali uthenga ipropathi ye-500,000 yeedola, unokufuna nje ukubeka i-200,000 yeedola kwimarike kwaye ulinde ixabiso lendlu ukuba likhule lifikelele kwi-500,000 yeedola.
Umzekelo: ukuthenga i-stock ye-500,000 yeedola, ngokuqhelekileyo kufuneka ubeke i-$ 500,000. Kodwa ukuba uthengela ipropati ye-500,000 yeedola, unokubeka nje i-$ 200,000 kwaye ulinde ukuba utyalo-mali lukhule ukuya kwi-$ 500,000.
Ukongeza, imakethi yokurenta iyaqhubeka nokuba ne-boom engazange ibonwe ngaphambili, kunye nerekhodi ye-700,000 yeeyunithi eziqeshiweyo ukusuka kwikota yokuqala ka-2021 ukuya kwikota yokuqala ka-2022, ngaphezulu kokuphindwe kabini kumyinge weminyaka emihlanu yakutshanje.
Ngokubanzi, ixabiso lerenti liya kunyuka ukuba umqeshi ufuna ukuhlaziya isivumelwano.Ke ingeniso ye-real estate ithande ukukhula ngokukhawuleza kwimeko yokunyuka kwamaxabiso.
Umthombo ovelahttps://wallstreetcn.com/
Idatha yakutshanje evela kwiSebe lezeMisebenzi ibonise ukuba ixabiso lexabiso lomthengi liye lanyuka nge-8.5% ngoJulayi ukusuka kunyaka ongaphambili, kusekho malunga neshumi elinesine leminyaka ephezulu, kwaye ukunyuka kwamaxabiso okunjalo kukhokelela ekuthotyweni kwempahla egciniweyo.
Ukuba kukho nayiphi na indlela yokutyalomali kumxholo wokunyuka kwamaxabiso aphezulu, impendulo kufuneka iboleke ngaphezulu kwiibhanki.Abatyali-zimali abalumkileyo kufuneka bafunde indlela yokuboleka ngakumbi ukutyala imali.
Enyanisweni, xa izinga lokunyuka kwamaxabiso lilingana neendleko zakho zokuboleka, kufana nokuboleka imali simahla;ukuba izinga lokunyuka kwamaxabiso liphezulu kuneendleko zokuboleka, ngoko ke iibhanki kunye norhulumente bahlawula imali eyongezelelweyo kuwe.
Ngoko ke uboleka njani ubuninzi bemali ebhankini ngexabiso elifanelekileyo lenzala ngaphakathi koqoqosho?Isitshixo kukutyalomali kwimarike yezindlu!Ucinga ukuba ukuthenga ipropati ngayo yonke imali eyimali kuya kuba yindlela efanelekileyo yokulwa nokunyuka kwamaxabiso ingakumbi njengoko ukunyuka kwamaxabiso kukwi-8% kutshanje?
Ukuba une-$ 500,000 yemali kwaye uyisebenzisela ukuthenga ipropathi ye-$ 500,000, ucinga ukuba ipropati ixabisa i-$ 600,000 emva kweminyaka emi-5, ngoko ke ireyithi yeminyaka emi-5 yokubuyisela iya kuba yi-20% (Phantsi kweemeko ezifanelekileyo) .Nangona kunjalo, ukunyuka kwe-100,000 yeedola akunakufikelela kwinqanaba lokunyuka kwamaxabiso.
Kodwa ukuba uboleka imali ebhankini, ungasebenzisa i-$ 500,000 ukuthenga izakhiwo ezimbini ezinemali ye-5 iminyaka kamva, uya kufumana iipropati ezimbini ezinexabiso elipheleleyo le-1.2M.Emva koko imbuyekezo yakho yeminyaka emi-5 inokuya kuthi ga kwi-140% {($1,200,000-$500,000)/$500,000=140%, Phantsi kweemeko ezifanelekileyo kwaye ucinga ukuba ingeniso yerenti yendlu inkulu kunenkcitho yetyala}!
Imizekelo engasentla ibonisa ukuba asiyondawo yokuthengisa izindlu othengiweyo enokukunceda ukuba uxhathise ukunyuka kwamaxabiso;lityala elikumgangatho ophezulu olifumeneyo linokukunceda ukuba ulwe nokunyuka kwamaxabiso kwaye ukhulise ubutyebi bakho.
Sineendaba ezimnandi kubo bonke abatyali-mali bezindlu, inkqubo yethu entsha: Akukho Doc, akukho tyala!Inzala iphantsi ukuya kwi-6.25%!
Yiminyaka emi-4 kuphela yokugcina i-P&I efunekayo!Inkqubo yemali-mboleko iya kukunceda ukoyise ukuhla kwamandla emali ngokulula!
Ngamafutshane, ukwazi ukuboleka imali kuya kukunceda wenze imali eninzi!
Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.
Ixesha lokuposa: Aug-20-2022