Kugulitsa nyumba ndi malo - zabwino ndi zoyipa zakuyesa kugulitsa nyumba ndi malo + mwachidule njira za TOP-18 zopezera ndalama mopindulitsa

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Moni, owerenga okondedwa a Magazini azachuma a Ideas for Life! Lero tikambirana za kugulitsa (kusungitsa ndalama) mu malo ndi nyumba.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Kuchokera patsamba lino muphunzira:

Kodi zabwino ndi zovuta za mtundu uwu wazachuma ndi ziti?
Zosankha zingapo pakugulitsa nyumba ndi malo;
Makhalidwe azachuma pakupanga;
Momwe mungayambire kupanga ndalama ndi ndalama zochepa zaulere.

Kuphatikiza apo, kumapeto kwa nkhaniyi, mupeza mayankho amafunso omwe amafunsidwa kawirikawiri.

Nkhaniyi idzakondedwa ndipo idzakhala yothandiza kwa iwo omwe akungofuna njira zopezera ndalama zawo komanso osunga ndalama odziwa zambiri. Osataya nthawi, yambani kuwerenga. Ndipo mwina posachedwa mudzatenga njira zoyambirira zopezera ndalama zogulitsa malo.

Kodi zabwino zabwino (+) ndi zoyipa zake ndi ziti (-) zogulitsa nyumba ndi malo, momwe kugulitsa nyumba ndi malo kuli bwino kuyika ndalama zanu, ndi njira ziti zopezera phindu kuchokera kubizinesi yamtunduwu - werengani za izi ndi zina zambiri.

1. Zabwino ndi zoyipa zakugulitsa malo - zabwino ndi zoyipa zake 📑

Munthu aliyense wokwanira amaganiza zopanga ndalama zopindulitsa. Ndikofunikira kuti mabizinesi azisunga ndalama kuzinthu zoyipa kufufuma... Nthawi yomweyo, ndikofunikira kuti ndalama zomwe zidagwiridwa zigwire ntchito ndikubweretsa ndalama zowonjezera.

Zida zopezera ndalama zomwe zimagwiritsidwa ntchito kwakanthawi zikuthandizira kukwaniritsa zolinga zomwe tatchulazi. Nthawi yomweyo, ndikofunikira kuti akhale ndi chiopsezo chochepa komanso akhale olonjeza kwambiri. Izi ndizo zomwe ali kugulitsa nyumba ndi malo.

Kufunika kwa nyumba za anthu kudabuka zaka zambiri zapitazo ndipo kudakalipobe mpaka pano. Sapita kulikonse mtsogolomo. Chifukwa chake kugulitsa nyumba ndi malo nthawi zonse zidzafunika, zomwe zikutanthauza kuti ndi chida chabwino kwambiri chogwiritsa ntchito ndalama.

Kuphatikiza apo, mabizinesi oterewa akuimira njira yovomerezeka yochitira bizinesi. Pachifukwa ichi sikofunikira konse kukhala ndi ndalama zambiri. Mutha kukhalabe ndi ndalama zogulitsa nyumba ndi malo pa siteji yoyamba ya zomangamanga... Kuphatikiza apo, pali mwayi wokhala membala wa kampani yopanga nyumba pogula nawo.

Monga chida china chilichonse chazachuma, kugulitsa nyumba zogulitsa kuli nazo zonse ziwiri ubwinondipo Zowonjezera.

Zina mwazabwino (+) zamtunduwu wazachuma ndi izi:

phindu lanthawi yayitali, Mwachitsanzomwa kubwereka malo omwe mwagula, mutha kupanga phindu kwa zaka zambiri;
kupezeka kwachuma;
kugulitsa nyumba kumakhala ndi ndalama zokwanira (m'mikhalidwe ina);
njira zingapo zosankhira ndalama.

Ngakhale zabwino zakugulitsa nyumba ndi malo, nawonso, monga njira zonse zomwe zilipo kale, ali pachiwopsezo.

Zoyipa zazikulu (-) zazachuma zotere ndi:

kufunika kwa malo ndi nyumba kumadalira kwambiri momwe zinthu zilili mdziko lonselo komanso mdera lina makamaka;
mitengo yamalonda ndi yokwera kwambiri;
m'matawuni ang'onoang'ono, kufunika kwa malo ndi malo kumakhala kotsika pang'ono;
ndalama zowonjezera zowonjezera - zofunikira, kukonza, misonkho.

Komanso, palinso kuthekera mphamvu majeure... Izi zimachitika kuti mtengo wanyumba umagwa kwambiri chifukwa cha zovuta. Mwachitsanzo, nyumba zodera zachilengedwe zikhala zotsika mtengo ngati chomera kapena msewu wokhala ndi anthu ambiri wamangidwa pafupi. Zotsatira zake, wogulitsa ndalama sadzangopeza kanthu, komanso ndizotheka kutaya gawo la ndalama zomwe adayikapo.

Pofuna kupewa mavuto ambiri, ndikofunikira kuchita kusanthula koyambirira... Imayerekezera zosankha zomwe zingachitike ndikuwunika zinthu zosiyanasiyana zomwe zingakhudze mtengo wanyumba.

Zosankha zodziwika bwino pomwe kuli kopindulitsa kuyika ndalama

2. Kodi ndimapindu ati agulitsidwe ndi malo ndi nyumba - zosankha 8 zodziwika bwino + ndi tebulo lofananizira 📊

Akatswiri azachuma amakhulupirira kuti kuyikapo nyumba ndi malo kumakhala koopsa pang'ono kuposa kugulitsa masheya, kuyambitsa poyambira ndi mabizinesi. Malongosoledwe ake ndiosavuta: kugulitsa malo nthawi zambiri kumakhala kotsika mtengo.

Ndizopindulitsa kwambiri kugulitsa nyumba ndi malo chachikulu mizinda. Izi ndizofunikira makamaka m'malo okhala. Poterepa, pali ubale wolunjika: ikakulirakulira mu mzindawu, ndipamene zimapindulitsa kwambiri pakugulitsa malo ndi malo. Izi ndizolumikizana, choyambirira, ndi kusiyana kwazomwe zimapezeka m'mizinda yosiyanasiyana.

Koma ndikofunikira kumvetsetsa kuti mdera lililonse mutha kupeza malo anu abwino oti mugulire ndalama. Kuti mupeze phindu lokwanira, muyenera kuwunika bwino madera onse omwe alipo ndikusankha kopindulitsa kwambiri.

Njira 1. Malo okhala anthu

Njirayi ndiyotsika mtengo kwambiri mabizinesi azinsinsi... Ziwopsezo zakugulitsa nyumba zakunyumba ndizochepa.

Pali njira ziwiri zopangira ndalama pogula nyumba zokhalamo:

kugula zotsatira gulitsanso pamtengo wokwera;
kupeza kwa kubwereka.

Mulimonsemo, pogula nyumba, ndikofunikira kulabadira izi:

malo - pamalo okhalamo otchuka kapena ophunzira, zachilengedwe zoyera, kutali ndi mzindawu;
kamangidwe ka malo, kuphatikiza kupezeka kwa khonde, chophatikizira kapena chosambira;
boma - kupezeka ndi kukonza;
zomangamanga - mpaka komwe kuli kindergartens, masukulu, zipatala, zoyendera pagalimoto, masitolo.

Mwambiri, muyeso uliwonse, ngakhale muyeso wowoneka wopanda pake, ungakhale wofunikira kwa ogula:

kuwona kuchokera pazenera;
pansi;
oyandikana nawo;
madera akomweko.

Kuti mugule nyumba (kapena nyumba ina) ngati yopindulitsa momwe mungathere, muyenera kuyiyang'ana wekha, popanda kuthandizidwa ndi wogulitsa nyumba. Komabe, ndikofunikira kuwunika ngati zomwe zikuchitika zikuyera. Tidakambirana momwe mungachitire izi komanso zomwe muyenera kudziwa mukamagula nyumba kumsika wanyumba zoyambirira komanso zasekondale m'magazini yomaliza.

Yankho 2. Katundu wamalonda

Njira iyi ya ogulitsa odziwa zambiri... Pazinthu zoterezi, maofesi ang'onoang'ono komanso malo ogulitsira ndioyenera, komanso nyumba zazikulu zomwe zimapangidwira malo ogulitsira, malo ogulitsira, malo opangira zokolola.

Malo oterewa amafunidwa nthawi zonse. Chiwerengero chachikulu cha amalonda akuyang'ana madera ochitira bizinesi ndipo ali okonzeka kuwapatsa mwini wake lendi... Omwe amagula malo ogulitsa ayenera kulandira phindu pazachuma chawo.

Lendi ndi njira yabwino yopangira ndalama zopanda pake. Poterepa, phindu la wochita ndalama silidalira nthawi yomwe amagwiritsidwa ntchito.

Ndikofunika kuti wogulitsa ndalama adziwe kuti posankha malo ogulitsa ngati chinthu chogulitsa, pamafunika kukhala ndi ndalama zokwanira. Zopereka mbali iyi nthawi zambiri zimayamba zisanu-Zisanu ndi ziwiri miliyoni miliyoni.

Njira 3. Malo okonza nthaka

Kugula malo kumafuna ndalama zochepa kuposa kugula nyumba kapena malo ogulitsa.

Pali zabwino zingapo pakuyika ndalama pantchito:

mlingo wochepa wa mwayi wachinyengo;
palibe kukonzanso kofunikira;
kusowa kwa ndalama zothandizira;
njira yogulira ndiyosavuta kuposa nyumba zina;
misonkho yotsika kwambiri;
kapangidwe kosavuta;
palibe chifukwa chofunira thandizo la eni nyumba.

Ziwembu zonse zitha kugawidwa malinga ndi cholinga chogwiritsa ntchito. Chifukwa ndalama zakanthawi kochepa ndi mitengo yotsika mtengo, malo oyenera kwambiri omwe amagwiritsidwa ntchito kwa zomangamanga... Zambiri ndalama zazitali ofunika kuchita m'dera lomwe mukufuna kuti mugwiritse ntchito ulimi ndi mafakitale.

Koma palinso zofooka kuyika ndalama kumunda. Choyambirira, boma lakhwimitsa kayendetsedwe kanthaka kagwiritsidwe ntchito ka nthaka. Kuphatikiza apomisonkho pamtundu wamtunduwu yawonjezedwa posachedwa.

Njira 4. Malo ogulitsa nyumba zamatawuni

Kugula nyumba zogulitsa kumatauni kuti zigulitsidwe mobwerezabwereza ntchito yopindulitsa... Izi ndizofala makamaka kumizinda yayikulu chifukwa chakuti nthawi zambiri nzika zawo zikuyesera kukhazikika kapena kukhala ndi mwayi wopumula momwe zingathere ndi phokoso lamzindawu komanso mpweya wakuda.

Pali zosankha zingapo pakuika ndalama kumizinda yamatawuni:

kupeza zinthu zomwe zikumangidwa;
ndalama m'manyumba omalizidwa;
kugula malo omwe amamangidwapo pomanga nyumba zogulitsa kumizinda.

Chiyembekezo chodzala ndalama kumizinda yakunyumba kumawonjezeka pakapita nthawi. Koma posankha chinthu choti mugule, muyenera kumvetsera kumalo ake, zomangamanga zomwe zilipo kale komanso kulumikizana... Zinthu zina zofunika pakupanga moyo wabwino zitha kukhala zofunikira kwambiri.

Njira 5. Malo ogulitsa nyumba akumangidwa

Njira ina yobweretsera ndalama ndikugulitsa nyumba zogulitsa nyumba zomwe zikumangidwa (nyumba zatsopano). Ngakhale kuti chiopsezo cha njirayi ndichokwera pang'ono, koma mutha kupezanso zambiri phindu lalikulu.

Malongosoledwe ake ndiosavuta - malo omwe akumangidwa amawononga ndalama zochepa kwambiri kuposa msika wachiwiri. Chifukwa chake, ngati mutayika ndalama koyambirira, ntchito ikatha, mitengo iyenera kukhala yayikulu kula... Zotsatira zake, wamalonda adzalandira phindu looneka.

Zowopsa mukamagula nyumba zogulitsidwa nthawi zambiri zimalumikizidwa ndi kampaniyo. Ngati ndi wosadalirika, amapita chiopsezo zinthu zotsatirazi zimachitika:

kutumizidwa posakhalitsa malowa;
kuzizira kwathunthu kwa malo omanga;
ndikumanga kosaloledwa kapena kusowa kwa ziphaso, kuwononga kwathunthu nyumbayo ndizotheka.

Ichi ndichifukwa chake, asanagule nyumba ndi nyumba zomwe zikumangidwa, wogulitsa amafunika kusanthula bwino za wopanga.

Nthawi yomweyo, ndikofunikira kuphunzira osati mbiri ya kampaniyo, komanso izi:

nthawi yakukhalapo kwa kampaniyo;
chiwerengero cha zinthu zomalizidwa ndi kutumizidwa;
kaya panali nthawi yopuma panthawi yomanga kale, nthawi ndi zifukwa zawo.

Momwe mungagulire nyumba kuchokera kwa womanga nyumba munyumba yatsopano (nyumba yomwe ikumangidwa) molondola, werengani munkhani yapadera.

Zosankha zina zogulitsa malo

Zomwe mungachite pamwambapa ndizodziwika kwambiri. Pali njira zina zomwe sizodalirika, chifukwa chake zimayeneranso kusamalidwa.

Yankho 6. Kuika ndalama m'malo oimikapo magalimoto

Ndalama zamtunduwu ndizofunikira chifukwa chachikulu mizinda... Ndalama zomwe zimafunikira pakuchita izi ndi zochepa. Malo oimikapo magalimoto amafunidwa ndi madalaivala, chifukwa chake kufunafuna kwawo sikumauma.

Kuphatikiza apo, chindapusa chakuyimika magalimoto m'malo oletsedwa chikuchulukirachulukira, magalimoto akutengedwa motengeka ndi magalimoto onyamula. Chifukwa chake, kuyimitsa magalimoto nthawi zonse kumakhala kofunikira. Komabe, ndizovuta pankhaniyi kulosera za ndalama zomwe zingakhalepo, popeza palibe ziwerengero pazazachuma zoterezi.

Yankho 7. Kutenga nawo mbali pazogulitsa nyumba

Ndikutanthauza kugula magawo thumba lililonse lomwe limagulitsa nyumba ndi malo.

Ubwino wa njirayi ndi iyi:

kugulitsa malo sikunalembetsedwe kwa mwini ndalama, zomwe nthawi zambiri zimakhala zosavuta;
omwe akutenga nawo mbali pazachuma akatswiriomwe ali ndi maziko ena azachuma;
mkulu diversification.

Ubwino pamwambapa umalola kuti wogulitsa asakhale ndi chidaliro pobweza ndalama zambiri.

Njira 8. Kugulitsa chuma kumayiko akunja

Kukhazikitsa ndalama m'zinthu zogulitsa nyumba zomwe zili m'maiko ena nthawi zambiri zimawerengedwa ngati njira yotsimikizika yopezera ndalama. Mwachitsanzo, malo ogona samatsika kawirikawiri, mosasamala kanthu komwe ali. Kuphatikiza apo, imatha kuwonedwa ngati njira yakusunthira mtsogolo. Ichi ndichifukwa chake akatswiri ambiri amaganiza kuti mabizinesi oterewa ndiopindulitsa, osakhala ndi chiyembekezo chilichonse.

Mwachidule, tiyeni mwachidule njira zomwe tafotokozazi pamwambapa, kupatula zosankha zinazomwe zilipo zochepa zowerengera. Izi zidzapangitsa kuti zikhale zosavuta kuzifanizira.

Gome poyerekeza zosankha zakunyumba ndi nyumba

Yankho	Mulingo wopindulitsa	Zogulitsa
*1) Kunyumba zogulitsa nyumba*	Wamtali Pafupi 30-65% Kwa zaka 3-5	Mukamagula malo obwereka, muyenera kudalira nthawi yayitali
*2) Malo ogulitsa*	Wamtali	Ndalama ziyenera kupangidwa kwa nthawi yayitali kwambiri
*3) M'nthaka*	Pakati	Misonkho yochepera Njira yosavuta yopezera zinthu
*4) Ku malo ogulitsa kumatawuni*	Wamtali	Phindu limadalira kwambiri malo ndi zomangamanga
*5) Kunyumba yomwe ikumangidwa*	Wamtali kuchokera25-30% ya nthawi yakukhazikitsa projekiti (kuyambira pomwe amafukula mpaka kutumizidwa kwa chinthucho)	Chiwopsezo chokwanira chotayika ndalama chifukwa chosankha cholakwika cha wopanga mapulogalamu

Gome likuwonetsa kuti kugulitsa nyumba ndi malo ndi nthawi yayitali kusungitsa ndalama ndikubweza mokwanira. Tinakambirana za njira zina momwe mungapezere ndalama kuti mupeze ndalama mu imodzi mwazolemba zapitazo.

Ndondomeko zopindulitsa (njira) zogwiritsira ntchito kugulitsa nyumba ndi malo

3. Kuyika ndalama zogulitsa nyumba ndi malo - TOP-18 njira zopezera ndalama 💸

Mukayika ndalama mu malo ndi nyumba, mutha kupanga ndalama m'njira zambiri. Zina mwazidziwikiratu, zina sizodziwika kwa aliyense. Tiyeni tiyese kusanja chidziwitso chazambiri pazomwe mungapeze.

3.1. Kugulitsa ndalama zogulitsa nyumba ndi malo ndi cholinga choti mupange ndalama pochita lendi - njira 12

Chimodzi mwazomwe mungasankhe ndikugula malo ndi kubwereka. Komabe, pali njira zingapo zopezera ndalama.

Njira 1. Gulani nyumba kuti mubwereke

Njirayi ndi njira yotchuka kwambiri yopangira ndalama kugulitsa nyumba ndi malo. Kubwereka nyumba sikungakhale kovuta, chifukwa pali anthu ambiri omwe akufuna kubwereka nyumba. Ndikofunikira kuti mupange ndalama pazinthu zotsika mtengo zotsika mtengo - zipinda mu kogona kapena nyumba. Mwa njira, werengani za momwe mungapangire ndalama m'nyumba imodzi mwazinthu zathu.

Komanso njira iyi ndikuti palibe chifukwa choyenera kuyesetsa kwambiri. Ndikwanira kusankha anyumba abwino, kusaina nawo mgwirizano ndikulandila ndalama pamwezi.

Komabe, njirayi ilinso ndi tanthauzo Zowonjezera:

mlingo wochepa wa phindu;
ngati mugula nyumba pogwiritsa ntchito ngongole, sizokayikitsa kuti lendi ikulipira ngongole yanyumba.

Zovuta zotere zilibe kanthu ngati simunayenera kuyika ndalama m'nyumba, Mwachitsanzo, pa cholowa kapena kusungidwa.Ngati mugula malo ndi nyumba, mwanjira imeneyi imadzilipira yokha kwa nthawi yayitali kwambiri.

Njira 2. Kugula nyumba ndi cholinga chakuchita renti tsiku lililonse

Njira yobweretsera ndalama zogulitsa nyumba ndi yopindulitsa kwambiri. Komabe, zimafunikira kuyesetsa kwambiri: muyenera kuwonetsa nyumbayo pafupifupi tsiku lililonse, kuthamangitsa ndi kusuntha anyantchoche atsopano, kuyeretsa, kuchapa zovala ndi matawulo.

Mukamachita lendi nyumba, ndikofunikira kusankha anyumba oyenera. Zabwino kwambiri ngati zingakhale choncho alendo kapena ulendo wamalonda... Magulu amtunduwu amabwereketsa nyumba kwa nthawi yayitali - mpaka milungu ingapo, chifukwa mwanjira iliyonse ndizopindulitsa kuposa kukhala ku hotelo. Kawirikawiri anyantchoche oterewa amakhala modekha, ndipo pamakhala mavuto palibe.

Kuchita lendi nyumba kwa achichepere omwe amafuna kusangalala ndikosavuta. Izi ndizodzaza ndi madandaulo ochokera kwa oyandikana nawo, mipando yowonongeka ndikukonzanso, utsi wa utsi wa fodya mnyumbayo.

Wogulitsa akasankha kubwereka nyumba ya lendi tsiku lililonse, mutha kumulangiza tengani ndalama mu mtengo wamtengo wapatali. Izi zidzakhala inshuwaransi pakawonongeka ka katundu aliyense. Zithandizanso kupanga pasipoti yanu.

Ubwino wake njira iyi yopezera ndalama ndi mulingo wapamwamba kwambiri.

Pakati pa zovuta akhoza kutchedwa:

chiwonongeko cha mipando ndi katundu wina;
kufunika kowonetsa nyumba nthawi zambiri, kusamukira ndikukathamangitsa anyumbawo;
kuyeretsa ndi kutsuka kumafunika nthawi zonse.

Njira 3. Kugula nyumba ndikubwereka ola limodzi

Akatswiri amatcha njira iyi yobwerekera aukali kwambiri... Nthawi yomweyo, amatha kupereka phindu lalikulu.

Ndi njirayi, muyenera kupita ndikutuluka kwa anyantchozo kangapo patsiku. Chifukwa chake, ndibwino kuti mukhale kapena kukhala ndi ofesi pafupi ndi nyumba yobwereka.

Ndikofunika kukonzekera kuti oyandikana nawo atha kuyamba kupereka madandaulo okhudza kuti alendo akuyenda uku ndi uku pamalowo.

Pali zingapo ubwino njira yobwerekera iyi:

phindu lalikulu;
ndi kutsatsa koyenera, pali mwayi wobwereka nyumba pafupifupi usana ndi usiku.

Komabe, pali zingapo zovuta njira iyi:

kukhazikika kwa anthu okayikira kumatha kuwononga katundu;
ndikofunikira kukhala pafupi ndi nyumba nthawi zonse kuti muzitha kuyang'anira ndikufufuza;
Kusakhutira ndi oyandikana nawo;
Kusintha kwamichira pafupipafupi, komanso kuyeretsa.

Njira 4. Kugula nyumba ndi cholinga chokonza kogona

Kogona - mtundu wa bajeti wa hotelo, yomwe ndi malo ogona a nyumba yabwino.

Payenera kukhala kukonzanso kwapamwamba komanso zinthu zonse zofunika pamoyo. Nthawi yomweyo, mabedi a 10-12 amathanso kukhala m'nyumba. Nthawi zambiri, njirayi imasankhidwa ndi anthu omwe akuchita bizinesi ndi alendo.

Ma hostel nthawi zambiri amakhala kwa iwo omwe amafunika kugona usiku kwinakwake, koma safuna kulipirira ndalama kuti apeze nyumba kapena hotelo. Mitengo pano ndi yotsika kwambiri poyerekeza ndi njira zina zobwereka. Amayamba kuchokera 500 Ma ruble.

Ubwino kugulitsa ndalama m'ma hosteli:

ndalama zambiri ngati kunali kotheka kuonetsetsa kuti makasitomala amakhala mokhalitsa;
ngakhale malo ena osakhalamo, mwini nyumbayo azikhala wakuda chifukwa chakuchuluka kwamabedi.

Zovuta ma hosteli:

pa gawo loyambirira, muyenera kupanga kukonzanso kwapamwamba, komwe kuyenera kusungidwa pamlingo woyenera;
mtengo wa mabedi ogona;
zotheka kuchokera kwa oyandikana nawo;
Muyenera kuthera nthawi yochuluka kutsatsa, kukhazikitsa, kuyeretsa;
kuti mukhale ndi mwayi wopezera apaulendo amabizinesi, muyenera kulembetsa wamalonda aliyense, chifukwa amafunikira zikalata zolembera.

Ndipo komabe, mwatsoka, si kalekale pomwe padakhazikitsidwa lamulo loletsa kukhazikitsidwa kwa malo ogona. Chifukwa chake, kuti ntchitoyi ikhale yovomerezeka, muyenera kugula chinthu malo ogulitsa.

Njira 5. Kubwereketsa nyumba yamatawuni yomwe yagulidwa

Kunyumba ndi nyumba zakutchire zaku Europe, zomwe zimakhala ndizosanja zochepa komanso moyo wabwino.

Kuphatikiza apo, nyumba zamtunduwu zili kutali ndi madera okhala mzindawo, pali oyandikana nawo ochepa pano. Nthawi zambiri, awa ndi midzi yomwe ili pafupi ndi mzindawo, kunja kwa mzindawo, nkhalango.

Kubwereketsa nyumba zamatawuni kumakhala kosiyana ndi kubwereka nyumba, chifukwa kuli ndi mawonekedwe ake. Njirayi ikhoza kuphatikiza kubwereketsa tsiku lililonse, ola lililonse komanso mwezi uliwonse.

Ubwino motere:

kuthekera kokhazikika kwa omwe ali ndi maudindo apamwamba;
Ngati zingafunike, chinthucho chanyumba chingakonzedwenso mwa kuchigawa m'masitudiyo, potero chidzawonjezera kuchuluka kwaomwe amakhala nthawi yomweyo.

Pakati pa kuipa zitha kudziwika kuti kufunikira kwa malo ndi nyumba zocheperako kumakhala kotsika kwambiri. Chifukwa chake, anyantchoche adzayenera kuwoneka motalika kuposa masiku onse.

Njira 6. Kugulitsa kanyumba kanyumba kapena kanyumba ka renti

Eni nyumba zam'midzi komanso nyumba zazing'ono nthawi zambiri samakhala ndi vuto lopanga ndalama kuchokera kugulitsa nyumbazi. Mutha kubwereka ngati pamwezindipo ndi tsiku... Mukabwereka kwa nthawi yayitali, ndikofunikira kuti mtunda wa mzindawu ndi waufupi, ndipo malo osinthana oyendera ali pafupi.

Kubzala ndalama kumizinda yakunja kwatawuni (kanyumba, nyumba yabwinobwino, kanyumba) kubwereka pambuyo pake

Ngati kanyumbako ndi kokwanira, ndi gawo limodzi lokha lomwe lingabwereke. Mu theka lachiwiri, mwiniwake akhoza kukhala yekha. Nthawi zambiri pamakhala milandu pomwe nyumba zimangobwerekedwa gawo limodzi pachaka. Mwachitsanzo, nthawi yotentha eni ake amakhala mchinyumba chokha, ndipo nthawi yozizira amalipiritsa.

Njira yabwino kwambiri yobwereka kanyumba - kuyatsa Maholide Atsopano... Pakadali pano, chisangalalo chokhudza malo okondwerera sichitha. Makampani ambiri akuluakulu amalota zokondwerera Chaka Chatsopano munyumba yokongola yomwe ili pamalo okongola. Muthanso kupereka mwayi wobwereka kanyumba ka zochitika zamakampani.

Zolemba zosankha izi pazopeza ndi:

khola;
kuthekera kosankha pakati pazambiri zomwe mungasankhe - kuchokera pakubweretsa gawo la kanyumba kubwereka kokha patchuthi.

Zoyipa kubwereka kanyumba kumatha kutchedwa:

kufunika kopezeka kufupi ndi mzindawu;
kupezeka kwa misewu yodutsa yabwino kwambiri.

Chofunika kwambiri ndi nyumba zazing'ono zomwe zili ndi dera mpaka 100 sq.m. Eni malo akuluakulu akhoza kulangizidwa kuti azibwereka pang'onopang'ono. Koma apa muyenera kupereka kukhalapo kwa zolowera zosiyanasiyana mnyumbayi.

Njira 7. Kupeza kapena kumanga nyumba yanyumba ndikuchita lendi

Omwe ali ndi ndalama zambiri awunika kale mwayi wochitira ndalama nyumba zogona... Kuphatikiza apo, ndizomveka kukonzekera pano njira yotere yopangira phindu, pomwe nyumba zonse zomwe zili mnyumbamo zimachita lendi.

Poterepa, capital ikufunika kwambiri. Koma mutha kusunganso ndalama pomanga nyumba za bajeti, mwachitsanzo kuchokera LSTK (zopepuka zazitsulo zopanda zingwe). Kuphatikiza apo, nyumba zogona kuwonjezeka ngati nyumba yonse igawanika kukhala ma studio, omwe amafunikanso kwambiri.

Ndalama zambiri zitha kupezeka ngati mupeza malo okhala ndi malo omangapo nyumba.

Zolemba Njirayi ndiyabwino kubwerera. Nthawi yomweyo, ndalama zofunika pamwezi zimatsimikiziridwa ngakhale osakhala ndi nyumba mokwanira.

Pakati pa zovuta zotsatirazi zitha kusiyanitsidwa:

ndalama zazikulu zoyambirira;
nthawi zambiri sizotheka kupeza malo oti amangidwe mwachangu mokwanira.

Njira 8. Kugulitsa malo ndi nyumba zakunja kuti mupereke pangano lotsimikizika

Ambiri amakhulupirira kuti msika wakunyanja wakunyumba ndiwodalirika komanso wopindulitsa. Chifukwa chake, amakopa mabizinesi angapo aku Russia kuchokera yaying'ono kale chachikulu.

Otsatsa nthawi zambiri amakhala ndi funso lokhudza njira yotetezeka kwambiri yobwereketsa nyumba zogulitsa kunja komwe amakhala ku Russia. Njira yosavuta ndi Mapeto a mgwirizano wotsimikizika ndi kampani yoyang'anira (MC), yomwe imatha kukhala opanga ndi makampani odziyimira pawokha.

Pangano la kasamalidwe ka malo ndi nyumba limapereka mtengo wosamalira, komanso zofunika zina pakampani yoyang'anira - kuchokera pakulipira ngongole zothandizila pakubweza malo.

Zinthu zabwino kwambiri zimaperekedwa ku Francechifukwa ndipamene njirayi idayambira.

Chofunika cha makinawa ndi awa:

wogulitsa amagula malo ndi nyumba;
nyumbayi ikukonzedwa, mipando ikugulidwa;
kampani ina yomanga nyumba imachita lendi nyumba;
Wogulitsa ndalama amalandira ntchito, yomwe imakhala pakati pa 3 mpaka 6 peresenti ya mtengo wanyumba pachaka, kutengera komwe kuli malowo.

Ubwino wa njirayi ndikuti wogulitsa safunika kufunafuna anyantchoche. Nkhani zonse zamabungwe zimatengedwanso ndi kampani yoyang'anira.

Mitundu yanyumba yomwe ilipo kuti igulidwe kutsidya kwa nyanja ndiyosiyanasiyana. Apa mutha kugula:

nyumba;
mini-mahotela;
nyumba;
nyumba pafupi ndi nyanja;
malo ogona.

Ngati mungayike ndalama zogulitsa malo ndi malo omwe mumachitikira, mutha kukhala otsimikiza kuti sizikhala zopanda kanthu. Kuphatikiza apo, mtengo wa malo ndi nyumba nthawi zambiri amakhala wotsika kwambiri poyerekeza ndi mizinda ikuluikulu yaku Russia. Kusiyana kwakukulu kumawonekera poyerekeza ndi Moscow.

Pakati pa kuphatikiza Njira zoterezi zitha kutchedwa:

kudalilika;
ziyembekezo;
kuthekera kopeza ndalama ndi gulu lililonse la osunga ndalama;
mukakhala ndi renti yotsimikizika, mutha kulandira ndalama zochepa. Zomwe nthawi zambiri zimakhala zapamwamba kuposa kubwereka zina.

Pakati pa zovuta zitha kusiyanitsidwa:

kufunika kodziyera bwino zilankhulo zakunja;
uyenera kukaona dziko lomwe mukufuna kugula malo osachepera kamodzi;
ndizovuta kupeza zambiri zamalamulo ndi malamulo amitundu yakunja.

Njira 9. Kupeza chipinda m'chipinda china m'chigawo cha Russia ndikutsatira pambuyo pake

Msika wogulitsa nyumba ku Russia pang'onopang'ono ukutchuka kwambiri nyumba... Ndi ofanana kwambiri ndi nyumba wamba zokhala ndi nyumba zokonzeka. Kuphatikiza apo, ntchito zanyumba zachikhalidwe zimaperekedwa pano - ma concierges, chakudya ndi zina zambiri.

KU kuphatikiza mabizinesi awa ndi awa:

mtengo wotsika poyerekeza ndi nyumba zofananira;
mkulu wa utumiki wa hotelo;
kawirikawiri zomangamanga zotukuka kwambiri. Nthawi zambiri mnyumbamo mumakhala zipinda zolimbitsira thupi, malo odyera, malo omwera, malo okonzera zinthu zokongola;
nyumbayo itha kubwerekedwa kudzera ku kampani yoyang'anira; wogulitsa sayenera kusunthira okhawo.

Pakati pa zovuta nyumba ndi izi:

malamulo ochepa pamalamulo;
nyumbayi ili ndi malo osakhalamo, chifukwa chake sizotheka kupereka kalembedwe;
pali nyumba zochepa zomwe zimaperekedwa pamsika.

Njira 10. Kupeza ndi kubwereketsa pambuyo pake malo osagulitsika

Chinthu chosiyananso ndikugulitsa malo ndi kugula malo ogulitsa... Iyi ndi nyumba yosungiramo kutentha kapena yozizira, malo opangira, malo ogulitsira ndi maofesi, malo osakhalamo m'nyumba zanyumba, zipinda zapansi, zipinda zapansi ndi zinthu zina zambiri.

Kuyika chuma m'malo ndi nyumba zotere ndi chotchuka chifukwa chakufunidwa kwakukulu. Chiwerengero chachikulu cha amalonda akuyang'ana madera atsopano amabizinesi tsiku lililonse. Zosowa zawo ndizosiyana: ena amafunikira malo okhala ndi magalimoto ambiri, ena okhala ndi mitengo yotsika yotsika.

ubwino ndalama zogulitsa malo:

phindu lokhazikika;
mutha kuchepetsa kubweza renti kwakanthawi kuti musunge anyumba;
njira zingapo zoperekera, mwachitsanzo, m'magawo;
kudalira ndalama pamakulidwe a malowa, omwe atha kukhala mazana kapena ngakhale masikweya mita.

Pakati pa kuipa malo ogulitsa monga chinthu chachuma angatchedwe:

zovuta pakupeza anyumba madera akulu;
Nthawi yamavuto, mavuto obwereka amatha.

Njira 11. Kukonzanso ndikugawa nyumbayo kukhala zinthu zosiyana zosasunthika zazing'ono zazing'ono kuti zizibwereka

Njirayi idakhazikitsidwa pakupanga zinthu zingapo zanyumba zopezeka pamalo amodzi. Mwanjira ina, wogulitsa, kukhala chipinda chimodzi, akhoza kugawaniza ma studio awiri... Zotsatira zake, phindu kuchokera pakubwereketsa poyerekeza ndi kubwereketsa popanda kusintha kumawonjezeka osachepera kamodzi ndi theka.

Nyumba zokhala ndi chipinda chimodzi, ziwiri, zitatu, komanso nyumba zazing'ono ndi nyumba ya tawuni ndizoyenera kukonzanso. Kungakhale kovuta kuchita izi mwalamulo. Komabe, nthawi zambiri zimatha kuthetsedwa.

Ubwino njirayi imakhala ndikupanga phindu popanga zipinda zingapo zakutali.

zovuta zikufunika pakukonzanso ndi kukonza zovuta, komanso mogwirizana ndi kusintha komwe kwachitika.

Njira 12. Kugula garaja, bokosi kapena malo oimikapo renti

Njirayi ndi yoyenera kwa osunga ndalama omwe akufuna kuyikapo nyumba, koma alibe ndalama zambiri.

Nthawi zambiri amagula mabokosi ama garaja, malo oimikapo magalimoto, kuphatikiza mobisa, komanso magaraja.

Ubwino wake njira yotere ndiyotsika mtengo wolowera. M'madera ena, kuti mutenge malo amenewa, ndikwanira kukhala ndi pafupifupi rubles mazana atatu zikwi.

Zofunikira kuipa ndi phindu lochepa.

3.2. Kubwereketsa nyumba ndi nyumba ndi cholinga choti mubwezeretsenso - njira zisanu

Kupeza poika ndalama zogulitsa nyumba ndi malo ndizotheka osati kubwereka kokha, komanso kugulitsa. Palinso njira zingapo zochitira izi.

Njira 13. Kupeza malo oti agulitsidwe pambuyo pake

Iyi ndi imodzi mwanjira zosavuta kusungitsa ndalama. Ndikokwanira kugula malo, dikirani kuti mtengo ukwere ndikugulitsa. Nthawi yomweyo, simuyenera kuyika ndalama zambiri ndikuyesetsa kuti muzisamalira.

Kuphatikiza pakubwezeretsanso, mutha kumanga nyumba, tawuni kapena kanyumba pamalo omwe mwapeza. Pambuyo pake malowo akhoza kukhala gulitsa kapena kubwereka.

Ubwino zosankha zotere ndi:

malo akuluakulu osankhidwa mwanjira zosiyanasiyana;
ngati kugulitsa komwe kukukonzekera kukukonzedwa, pamafunika khama osachepera.

zovuta amawonekera pamene malo agulidwa kuti amangidwe. Poterepa, kuyeserera kowonjezera ndi ndalama zachuma zidzafunika.

Njira 14. Gulani nyumba panthaŵi yomwe ikumangidwa, ndipo nyumbayo ikayamba kugwira ntchito, gulitsani

Ndi njirayi, kugulitsa nyumba ndi malo (nthawi zambiri nyumba) ogulidwa koyambirira kwa zomangamanga.

Poterepa, zosankha ndizotheka:

gulani malo ndi malo koyambirira kwa zomangamanga, pomwe pali dzenje lokhalo kapena pansi;
gwiritsani ntchito magawo omaliza omanga.

Pali ubale wachindunji apa. Kuposa kale anagula malo, kotero phindu lalikulu itha kupezeka mutayika nyumbayo. Nthawi zina, phindu la wochita ndalama limafika mpaka 45-50% ndi zina zambiri. Koma kuti mupeze ndalama zoterezi, muyenera kugula nyumba osachepera chaka ndi theka ntchito yomanga isanathe.

Ndikofunika kuganizira za chiwopsezo chachikulu chomanga mosamaliza, chomwe ndichikhalidwe mdziko lathu.Mwayi wotsalira wopanda nyumba ndi waukulu kwambiri. Chifukwa chake, njira yotetezeka kwambiri komanso yachangu kwambiri yopangira phindu ndikugula nyumba m'magawo omaliza omanga.

Ubwino Njira yomwe mukuganiza ndi iyi:

safunika kuti mufufuze, kusunthira kapena kuthamangitsa anyumbawo;
Ndalama zimayandikira kungokhala - ndizokwanira kugula malo pomanga, ndipo zikakonzeka, zigulitseni
phindu ndilokwera kwambiri, chifukwa kugulitsa nyumba ndi zinthu zikuwonjezeka mtengo.

Zoperewera Njirayi ndi chiopsezo chachikulu chomanga kosamalizidwa.

Njira 15. Kupeza nyumba munyengo yovuta, kumaliza ntchito ndi kugulitsa

M'masiku amakono, zigawo zochepa za anthu nthawi zambiri zimakhala m'nyumba, Mwachitsanzo, zidakwa, osokoneza bongo. Mwachilengedwe, ali ndi nyumba mkhalidwe womvetsa chisoni... Zotsatira zake, nyumbayi ili ndi mipanda yonyansa, yowononga makoma, fungo loipa.

Palinso nyumba zina zoyenera kugwiritsira ntchito ndalama zamtunduwu. Izi ndizomwe zimatchedwa zosankha za agogo - malo ndi nyumba omwe opuma pantchito amakhala kwanthawi yayitali, omwe samatha kuzisamalira bwino. Nthawi zambiri, izi zimaphatikizapo nyumba zam'nyumba zakale zomwe zakhala zikugwira ntchito kwazaka zambiri.

Nyumba zoterezi zimakopa ndalama. Zitha kugulidwa pamtengo wotsika kwambiri, zitakonzedwa, ndikubweretsa mkhalidwe wabwino. Pambuyo pake, nyumba yotereyi itha kugulitsidwa pamtengo wamsika wamba kapena mtengo wake. (Tidakambirana momwe tingagulitsire nyumba mwachangu komanso zikalata zofunikira kuti tigulitse m'magazini yomaliza).

Muthanso kugwiritsa ntchito malowa posankha renti zosiyanasiyana.

Ubwino wake Njirayi ndikuti pogulitsa nyumba ngati iyi mukamakonzanso, mutha kupeza phindu lalikulu. Kuphatikiza apo, mutha kubwereka ndi ndalama zanthawi zonse.

Zoyipa motere:

kufunikira kwa ndalama zowonjezera zowonjezera;
kufunika kwa nyumba zosagwira bwino ntchito ndikokwera kwambiri kuposa komwe amapereka, ogulitsa ambiri akusaka malo ngati amenewa, chifukwa zimatha kutenga nthawi yayitali kusankha njira.

Njira 16. Kugula malo ndi malonjezo kapena kumangidwa pamtengo wotsikirapo kuti mudzabwezeretsenso

Nthawi zambiri, mabanki omwe amabwereketsa ndalama amatenga nyumba ngati chikole. Ngati wobwereketsayo sangathe kulipira zomwe akuganiza, malo okhalawo amakhala katundu wa banki. Mabungwe angongole nthawi zambiri amayesa kugulitsa ngongole zakale mwachangu momwe angathere, amachepetsa mtengo wawo momwe angathere.

Ubwino wake Njira yosankhayi ndi kuthekera kogula malo ndi mitengo pamtengo wotsika kwambiri kuposa mitengo yamsika.

Pakati pa zovuta njirayi ikhoza kutchedwa:

Kuvuta kwa njira zopezera ndalama, zitenga nthawi kuti muzindikire;
zingatenge nthawi yayitali kuti mupeze malo oyenera;
Ndikofunikira kuwunika pafupipafupi zolengeza zakusankha kumeneku;
Mutha kugula nyumba zogulira nyumba ndi ndalama kokha; mapulani a ngongole yanyumba sangagwiritsidwe ntchito pano.

Njira 17. Kumanga nyumba kuyambira pachiyambi ndikugulitsa itatha

Njirayi ndi yotchuka chifukwa malo ndi malo enieni amakhala okwera mtengo pakapita nthawi. Nyumba yomangidwa palokha itenga ndalama zochepa kuposa nyumba ya dera lomwelo, ndipo kusiyana kumatha kufikira 100%.

Ndi njira iyi, palibe chiopsezo chomanga nyumba. Zimangokhala pazachuma zachuma zomwe zimasungidwa, zomwe zimawerengedwa nthawi yomweyo. Omwe ali ndi luso lakumanga komanso othandizira angapo amatha kuchepetsa kwambiri kuchuluka kwa ndalama.

Ndikumanga kwakanthawi kanyumba zingapo, zimakhala zotheka kusunga pazomangira. Kuphatikiza apo, capital yoyamba ikhoza kukhala tengani ngongole... Pali mwayi wopeza ngongole yanyumba yomanga nyumba yadziko.

Nthawi zambiri amamanga nyumba ndipo nyumba zazing'ono... Ngati muli ndi ndalama zambiri, mutha kumanga tawuni kapena nyumba zazing'ono zomwe zili ndi nyumba zingapo.

Ubwino Njirayi ili ndi zingapo:

phindu lalikulu ngati lipambana;
kutha kugwiritsa ntchito nyumbayo pazolinga zawo.

Pakati pa zovuta akhoza kutchedwa:

Wogulitsa ndalama ayenera kumvetsetsa magawo onse omanga;
ngati ntchito yokonza nyumba ikugwiritsidwa ntchito ndi anthu olemba ntchito, uyenera kuwunika pawokha momwe ntchito ikuyendera.

3.3. Njira zoyambirira (zosazolowereka) zisaikira

Kuphatikiza pa madongosolo omwe ali pamwambawa opezera ndalama kubwereka kapena kugulitsanso malo, pali njira zinanso zopangira ndalama kugulitsa malo. Chitha malingaliro achilendoMwachitsanzo, monga tawonetsera pansipa.

Njira 18. Kubwezeretsanso zida zamsanja munyumba yogona

Kwa Russia, mtundu uwu wanyumba zamatawuni ndi chatsopano... Pakatikati pake, imafanana ndi nyumba yosinthira wamba, koma yokonzedwa bwino. Nyumba yotere ndi njira yotsika mtengo kwambiri. Simufunikanso kumanga chilichonse pano. Ndikokwanira kukhazikitsa chidebecho, kupanga kukonza kwapamwamba, kutambasula kulumikizana.

Mukakhala ndi moyo wabwino, m'nyumba yotero mutha khalani nokha kapena gulitsani... Ngati pali misewu yayikulu pafupi ndi tsambalo, ndizotheka lendi nyumba yotere.

Mtengo wopanga nyumba zotere ndi wotsika. Chidebecho chitha kugulidwa boo za pa 100 000 Ma ruble... Ntchito yokonza ndi kulumikizana itenga ndalama pafupifupi pa 150 000 Ma ruble... Momwemonso, izi ndizokwanira kupeza nyumba zovomerezeka.

Ndizosangalatsa kudziwa kuti ngati kuli kotheka mtsogolo nyumba yotere imatha kusamutsidwa kupita kwina.

Mwachitsanzo, adapeza chiwembu chomwe chimamangidwira nyumba yayikulu. Pogwira ntchito, mutha kukhala mnyumbamo kuchokera kuchidebecho. Ntchito yomalizayi ikamalizidwa ndipo ntchitoyo itasamutsidwa kupita kumalo ena, zidzatheka kusamutsiranso nyumbayo.

Ngati tikulankhula za chiwongola dzanja cha eni ndalama, nyumba yamakontena, ikamalizidwa bwino, ndizotheka kubwereka... Zachidziwikire, kuti renti yotchipa ndiyotsika mtengo kwambiri kuposa nyumba yonse, koma padzakhala kufunika kwa nyumba zoterozo. Izi ndichifukwa choti anthu ambiri akuyang'ana nyumba zotsika mtengo zotheka.

Njirayi ndiyofunikiranso kwa iwo omwe amagula malo, koma alibe mwayi woyambira ntchito pakadali pano. Poterepa, mutha kukhazikitsa nyumba kuchokera pachidebe pamalowo ndikukhalamo nokha. Mukabwereka nyumba zoterezi, mutha kusunga ndalama zomangira kapena kulipira ngongole yomwe mudatenga kuti mugule malo.

Ubwino Njirayi ndi iyi:

nyumba zotsika mtengo;
mutha kupanga zokongoletsa zamkati, kapangidwe kachilendo kunja kwa nyumbayo.

Zoperewera ndikuti sikuti aliyense angavomereze kukhala m'nyumba yazidebe. Komabe, ngati mugwiritsa ntchito malingaliro anu ndikupangitsa nyumbayo kukhala yabwino mokwanira, sipadzakhala otha ntchito.

Chifukwa chake, pali njira zambiri zopangira ndalama kugulitsa nyumba ndi malo. Mukamasankha yoyenera, muyenera kuganizira zokonda zanu, komanso likulu lomwe likupezeka.

Kuwongolera pang'onopang'ono kwa otsogola ndi osungitsa ndalama kuti agulitse nyumba kapena malo

4. Momwe mungayambire kugulitsa nyumba ndi malo - 5 njira zosavuta 📝

Mosasamala kanthu za njira yopezera ndalama yomwe yasankhidwa, ndalama zogulitsa nyumba ziyenera kukhala zogwirizana ndipo wanzeru... Izi zimakuthandizani kuti muchepetse chiwopsezo komanso kuti mukulitse phindu lanu.

Ndikofunikira kutsatira njira zina kuti ndalama zizikhala bwino komanso zotetezeka.

Gawo 1. Kudziwa kuchuluka kwa ndalama

Choyamba, wogulitsa ndalama ayenera kusankha ali ndi ndalama zingati... Izi ndizomwe zimatsimikizira kuti ndi ndalama ziti zogulitsa nyumba zomwe zidzagulitsidwe.

Ndikofunika kukumbukira kuti mutha kuyika ndalama ndalama zaulere zokhaomwe sanapangidwe kuti azilipira zosowa zofunika za wochita ndalama.

Ngati likulu la omwe amagulitsa ndalama ndi locheperako, ndiye kuti mudzayenera kusankha pazachuma kapena malo omanga panthawi yomanga. Ndiyeneranso kulingalira njira zomwe mungakulitsire ndalama zanu kudzera munthawi yobwereketsa komanso kukopa omwe amagulitsa nawo ndalama.

Gawo 2. Werengani malingaliro

Gawo limodzi lofunikira kwambiri lazogulitsa ndi kusanthula msika... Kukula kwa phindu mtsogolo kumadalira pa izo.

Kuti mugule bwino, muyenera kuwononga nthawi pofufuza momwe msika ulili.

Phindu lalikulu kwenikweni limapezeka ndi omwe adzagwiritse ntchito omwe athe kuphunzira bwino zomwe zikuchitika pamsika.

Gawo 3. Kusankha chinthu choti mugwiritse ntchito

Zofunika sankhani katundu woyenera, momwe ndalama ziziikidwiratu. Otsatsa ena omwe ali ndi ndalama zambiri amasankha kugulitsa nyumba zapamwamba komanso zosankha zingapo (Mwachitsanzo, nyumba zogona kapena nyumba zomwe zili ndi masitepe)... Zinthu zotere ndizotsika mtengo kwambiri, koma zimakhalanso ndizokwera kwambiri. Izi ndizowona makamaka kumizinda yayikulu.

Ngati lingaliro loti muzigulitsa malo omwe akumangidwa, muyenera kusankha omwe akumangidwa sitepe imodzi... Mtengo wa nyumba zotere umakulirakulira pomwe nyumba zatsopano zikuwonekera. Chifukwa chake, ndibwino kuti muzipanga ndalama zogulitsa nyumba ngati izi koyambirira.

Potengera kuchuluka kwa phindu, kugulitsa nyumba kumsika wachiwiri Zochepa wokongola kwa osunga ndalama. Koma nyumba zoterezi zitha kugulidwa kubweza ndipo nthawi yomweyo zimangolembedwa.

Gawo 4. Kugula malo

Pakadali pano, ndikofunikira kwambiri kutsata moyenera komanso zotsika mtengo momwe mungalembetsere malowa. Otsatsa omwe alibe chidziwitso chokwanira cha kugula koteroko ayenera kufunafuna thandizo woyimira mlandu kapena wodziwa zambiri woimira... Adzakuthandizani kuti mupange mgwirizano molingana ndi lamulo.

M'pofunikanso kukumbukira pamiyeso yamisonkho yazogulitsa... Muyenera kudziwana nawo pasadakhale.

Gawo 5. Kuchotsa phindu

Kuti mupange phindu, limatsalira gulitsanso kapena kubwereka kugula katundu. Nthawi yomweyo, nthawi yobwezera imadalira cholinga chopeza.

Mwachitsanzo, ngati nyumba yomwe ili munyumba yatsopano yagulitsidwanso, ndalama zimalandilidwa mu zaka 2-3... Koma musaiwale kuti pogulitsa nyumba, anali ndi zochepa 5 zaka, muyenera kulipira msonkho.

Lendi ndiposa wautali ndalama. Kubwezera pamutuwu kudzabwera kokha mu zaka 6-9... Koma nthawi yomweyo, zowopsa pazachuma ndizotsika kwambiri. Kuphatikiza apo, katundu wobwerekedwayo azikhala wa mwini ndalama. Ngati ndi kotheka, zitha kugulitsidwa nthawi zonse.

Wogulitsa ndalama ayenera kumvetsetsa kuti kupanga ndalama mosasunthika, kusunthira sitepe ndi sitepe, kumatha kuchepetsa kwambiri chiwopsezo ndikuwonjezera phindu.

Malo odziwika bwino azachuma pakupanga nyumba zogona ndi malonda + magawo otsatizana a ndalama zoyenerera

5. Investment mu zomangamanga - 5 njira zodalirika zopezera ndalama + magawo akulu azachuma 📋

Ndalama zogulitsa nyumba ndi nyumba zomwe zikumangidwa ndizodziwika kwambiri masiku ano. Ndi njira yabwino yopangira ndalama. Chifukwa chake, ndikofunikira kumvetsetsa ma nuances onse ndi zanzeru za nkhaniyi.

5.2. Ndi ntchito iti yomwe ili bwino kuyika ndalama - Zosankha za TOP-5 + patebulopo poyerekeza

Pali madera osiyanasiyana omwe amakupatsani mwayi wogulitsa nyumba ndi malo omwe akumangidwa. Chisankho chimadalira zinachitikira ndalama, ndi kuchuluka kwa ndalama zomwe zasungidwa.

Pansipa pali njira zisanu zodziwika bwino komanso zosavomerezeka pazomangamanga.

Chisankho 1. Kugulitsa nyumba (nyumba) m'nyumba zomangidwa

Njirayi imawerengedwa kuti ndi imodzi mwazinthu zabwino kwambiri zilipo njira zopezera ndalama, zomwe zimakhalapo osachepera zoopsa. Cholinga cha ndalama zotere ndizanthawi yayitali - kugula malo okhalamo (pomanga) panthawi yomanga, ndipo akamaliza, gulitsa kapena kubwereka.

Posankha chinthu choti mugule, ndikofunikira kulingalira izi:

malo - mtunda wopita kusinthana kwapafupi kwapafupi, malo oyendera anthu onse, malo okwerera sitima;
malo okhala;
zomangamanga - pali masukulu, kindergartens, masitolo akuluakulu pafupi pomwepo;
ziyembekezo zakutsogolo kwamderali.

Ndikofunikanso kukumbukira kuti zipinda zazing'ono zokhala ndi chipinda chimodzi kapena ziwiri ndizofunikira kwambiri pamsika.

Yankho 2. Nyumba zazing'ono (nyumba zanyumba)

Nyumba zazing'ono nthawi zambiri zimaphatikizapo nyumba ndi nyumba zomwe zili kunja kwa mzindawo. Kugulitsa nyumba ngati izi kumatha kukhala kopindulitsa. Kufunika kwa nyumba zazing'ono mu chachikulu mizinda. Nzika zawo zimayesetsa kudzipatsa mpata wopuma kutali ndi chipwirikiti cha mzindawo, fumbi, phokoso ndi mpweya.

Chodalirika kwambiri ndikugulitsa nyumba zazing'ono pachigawo choyambira.

Mukamasankha chinthu choti mugule, muyenera kulabadira zisonyezo zingapo:

udindo kudera;
pali kulumikizana;
momwe chitukuko chimakhalira.

Magawo ena, momwe moyo wabwino umadalira, amathanso kukhala ofunika.

Njira 3. Mahotela ndi mahotela

Zomwe akatswiri azachuma padziko lonse lapansi zimapangitsa kuti zitheke kumvetsetsa kuti nthawi yobwezera ndalama zoterezi ili pafupi 4-6 zaka. Izi ndizizindikiro zabwino kwambiri., makamaka m'mizinda ikuluikulu nthawi zonse pamafunika malo okhala abwino kwambiri kuchokera kwa alendo.

Njira 4. Malo opangira

Njira yogwiritsira ntchito njirayi ndiyabwino kwambiri kwa omwe amasunga kale omwe ali ndi chidziwitso chazogulitsa malo. Ndikofunikira kusankha pamalingaliro a ndalama zotere musanagule malo opangira omwe akukonzedwa.

Zinthu zotsatirazi ndizofunikira kwambiri pamtunduwu:

mafakitale a mipando;
mafakitale ogulitsa chakudya omwe akumangidwa;
kupanga mankhwala apakhomo ndi zinthu zofunika.

Kwa osungitsa ndalama zatsopano, ndibwino kuti mugwiritse ntchito malo ogulitsa mafakitale pogwiritsa ntchito akatswiri: zothandizana kapena makampani oyang'anira.

Njira 5. Kuika ndalama m'malonda ndi malo ogulitsa

Imeneyi ndi njira ina yomwe ikugwirizana ndi omwe amagulitsa ndalama zambiri.

Zinthu zotsatirazi zimakhala ngati malo ogulitsa:

malo ogulitsira - malo ogulitsira, masitolo ndi masitolo;
malo odyera, malo omwera mowa ndi malo ena odyera;
malo a zosangalatsa, masewera ndi maphunziro;
malo ogwira ntchito ndi mabizinesi;
malo osungira, ma hangars, malo osungira;
malo olimapo.

Kubzala ndalama muofesi ndi malo ogulitsira ndizofala pamagalopolise. Akufunidwa kwambiri ndi amalonda omwe akufunafuna malo obwereka. Eni malo amenewa, akuwasamalira bwino, amalandira phindu lokhazikika.

Ndendende kubwereka imaonedwa kuti ndiyo njira yabwino kwambiri yopangira ndalama kugulitsa malo kapena malo. Njirayi imadziwika ndi ndalama zambiri zoyambirira komanso nthawi yayitali yobwezera (osachepera zaka zisanu).

Gome ili m'munsi likuthandizira kufananiza zosankha zandalama zomanga:

Mtundu wa katundu	Zogulitsa	Nthawi yobwezera
1) *Nyumba zogona zomwe zikumangidwa / nyumba zatsopano*	Ngati, pomaliza kumanga, malowo abwerekedwa, phindu liziwonjezeka, koma nthawi yolipira idzakhalanso yayikulu	1-2 za chaka
*2) Nyumba zapakhomo, nyumba zazing'ono za chilimwe, nyumba zazing'ono*	Ndikofunika kuganizira malo ndi zomangamanga za malowo	1-2 za chaka
3) Malo ogona	Njira yodalirika yama megacities ndi malo achisangalalo	4-6 zaka
*4) Malo opangira*	Oyenera ndalama zogwirizana, ndiye kuti, ndalama zonse pamodzi	8-10 zaka
*5) Katundu wamalonda*	Ndikofunika kuti mukhale ndi chidziwitso pakugulitsa nyumba ndi nyumba	6-9 zaka

Tebulo likuwonetsa kuti njira yosangalatsa kwambiri kwa wogulitsa ndalama payekha ndi ndalama zogulira nyumba, zomwe ndi kugula nyumba m'nyumba zatsopano kuti zigulitsidwe.

5.1. Zimapindulitsa bwanji kuyika nyumba zomanga?

Nthawi yomanga nyumba yogona ndi zaka 2. Munthawi imeneyi, mtengo wanyumba zokhalamo umakulira pafupifupi ndi 45-75%.

Ndizothandiza kwa omwe amatukula kuti akope ndalama za omwe amagulitsa. Izi zimapewa ngongole kubanki ndipo nthawi yomweyo amatenga ndalama zofunikira pomanga nyumba. Chifukwa chake, kumayambiriro kwa malonda, omwe nthawi zambiri amagwera koyambirira kwa zomangamanga, mtengo wanyumba zochepa.

Kusiyana kwakukulu kwakukulu pamtengo kumawonedwa mukamamanga malo oyandikana nawo kapena nyumba zogona zazikulu. Malo oterewa akumangidwa pang'onopang'ono. Madivelopa adakhazikitsa mtengo wochepa wazanyumba kuti akope ogula oyamba, komanso kuti apange chithunzi chabwino.

Zotsatira zake, poika ndalama kugulitsa nyumba ndi nyumba zomwe zikumangidwa, mutayika nyumbayo, mutha kupeza ndalamazo kawiri ndalama zoyambirira... Chokhacho chomwe chingadziwitse osunga ndalama ndi chiopsezokuti ntchito yaimitsidwa kapena kuimitsidwa kotheratu.

Pang'ono ndi pang'ono, pakapita nthawi, mtengo wanyumba umakulirakulira pomanga. Akatswiri apeza kuti ntchito yomanga chipinda china chilichonse kumawonjezera phindu la nyumbayo pafupifupi 3%. Chifukwa chake, ndalama zimayikidwa koyambirira, phindu limapezeka mtsogolomo.

Ganizirani zaubwino ndi zovuta zakuyesa malo ndi nyumba zomwe zikumangidwa.

Zina mwazabwino (+) ndi izi:

phindu lalikulu komanso kuchuluka kwa zinthu;
kudalirika - nyumba sizikhala zotsika mtengo (makamaka m'mizinda ikuluikulu);
okwera okwanira, zomwe zikutanthauza kusankha kwakukulu kwa malo ndi nyumba zogulira;
njira zosiyanasiyana zogwiritsira ntchito malowa mtsogolo (kugulitsanso kapena kubwereka).

Zikupezeka kuti mgwirizano umodzi wopindulitsa ungakhale wopindulitsa kwazaka zambiri. MwachitsanzoAtagula nyumba munyumba yomwe ikumangidwa kuchokera kwa womanga, wochita bizinesi amatha kubwereka mtsogolo. Zotsatira zake, amalandira ndalama zongokhala, yomwe siyimangika nthawi iliyonse.

Njira iyi yopezera ndalama ilinso ndi zovuta (-). Chofunika kwambiri ndikuti kufunikira kwakunyumba kumatsimikiziridwa ndi zinthu zambiri. MwachitsanzoMunthawi yamavutoyi, ambiri sagula nyumba, posankha kuimitsa chochitika choterocho kwamuyaya. Palinso chiopsezo chachikulu kuti ntchito yomanga nyumba yogona itha kuzizidwa (kuyimitsidwa) kapena kuyimitsidwa palimodzi chifukwa cha zovuta zachuma za wopanga mapulogalamuwo.

Koma tiyenera kudziwa kuti akatswiri ambiri, poyerekeza ndalama zomwe zikugwiridwa ndi njira zina zogwiritsira ntchito ndalama, amaganiza kuti ndizowopsa kuposa, mwachitsanzo, kusewera pa masheya.

Magawo oyenera azandalama pakupanga

5.3. Momwe mungasungire ndalama zomanga moyenera - magawo asanu

Wogulitsa ndalama aliyense amadziwa kuti kubzala monga mwadongosolo lomwe lakonzedweratu kumatha kukulitsa phindu ndikuchepetsa chiwopsezo cha ndalama. Ndalama ziyenera kuchitika mokhazikika, malinga ndi njira zomwe zakhazikitsidwa. Pali magawo asanu a njirayi.

Gawo 1. Kusankha wopanga mapulogalamu

Chochitika chofunikira komanso chofunikira pachigawo choyambirira chopeza ndalama zomanga ndi kusanthula kwa mapulogalamu... Ndikofunikira osati kungodziwa dzina la wopanga mapulogalamu, komanso kuti mumve bwino mbiri yake. Akatswiri amalimbikitsa kuti tiziika ndalama pazinthu zomwe zikumangidwa zomwe kampani yodziwika bwino yomanga mumzinda.

Pakusankha wopanga mapulogalamu, ndikofunikira kuganizira:

mbiri ya kampaniyo;
ndi zinthu zingati zomwe kampani yayamba kale kugwira ntchito;
ndemanga;
momwe kampaniyo imadziwira bwino ntchito yomanga;
ndi angati ndalama zomwe wopanga mapulogalamu ali nazo;
mgwirizano ndi mabungwe obwereketsa ngongole (mabanki amasankha mosamala omwe angagwirizane nawo, kuwunikiratu bwino osayanjana ndi opanga omwe ali ndi mbiri yokayikitsa);
Wogwiritsa ntchitoyo amatsatira mosamalitsa malamulo (lamulo lalikulu ndi malamulo aboma 214-FZ).

Ku Moscow ndi dera la Moscow, mutha kukhulupirira opanga awa:

GK PIK Ndi m'modzi mwa omwe akutukula kwambiri ku Russia. Kampaniyo idakhazikitsidwa mu 1994, imagwiritsa ntchito bwino ntchito zazikulu zomanga ku Russia. Amayang'ana kwambiri zomanga kupezeka nyumba. Kwa zaka zambiri za ntchito, pafupifupi nyumba 250,000 zomwe zili ndi mamitala mamiliyoni 15 miliyoni zamangidwa. M.Ndimodzi mwabizinesi zam'mbuyo mu chuma cha Russia.

Kukula kwa 10101 - kampaniyo yamanga pafupifupi 500,000 sq. Kumakomo malo, komanso zoposa 50 zikwi - zamalonda... Wopanga mapulogalamu akumanganso kindergartens ndi masukulumogwirizana ndi bajeti. Mgwirizano wakhazikitsidwa ndi mabanki akuluakulu angapo mothandizidwa ndi mapulogalamu obwereketsa ndalama. Wolemba mapulogalamuwa akuphatikizidwa mu TOP-5 m'chigawo cha Moscow komanso mu TOP-15 ku Russia.

Gulu Lalikulu - kampani yomwe imagwira ntchito zomanga kuyambira kusanthula kwa ziwembu zomanga mpaka kumaliza malo ogulitsa. Zatsiriza ntchito 71, zomwe zidapangitsa kuti pakhale mamitala 7 miliyoni. madera. Kampaniyo idatchulidwa kuti mapulojekiti abwino kwambiri ku Moscow ndi dera la Moscow.

Gawo 2. Kusankha chinthu chogulitsa

Gawo lina lofunika lopeza ndalama zogulitsa nyumba ndi malo lomwe likumangidwa ndi kusankha chinthu choyenera... Ndibwino kuti muyambe kudera lomwe kufunika kokhala malo kumakhala kwakukulu.

Posankha chinthu choti mugwiritse ntchito, ndikofunikira kuganizira magawo otsatirawa:

zomangamanga;
kuyandikira kwa zoyendera za anthu ndi malo okwerera sitima;
zina zomwe zimakhudza momwe moyo ungakhalire wabwino.

Ngati mukukonzekera kugulitsa malo ndi malo ogulitsa, muyenera kulingalira pasadakhale za cholinga chomaliza cha wochita ndalama. Zithandizanso kupanga mapulani aukadaulo waluso.

Gawo 3. Kuchita zokambirana

Pomwe wopanga zinthu ndi ndalama amasankhidwa. Mutha kuyamba kukambirana... Ndikofunikira kudziwa kuti molingana ndi malamulo adziko lathu, ndizosatheka kulembetsa maufulu ogulitsa nyumba zomwe zikumangidwa.

Komabe, wogulitsa ndalama ali ndi ufulu:

lembani mgwirizano wokhudza kutenga nawo mbali pachilichonse;
kujowina mgwirizano wamanyumba;
kulembetsa ndalama zosunga ndalama;
malizani mgwirizano wopereka nawo gawo.

Akatswiri amalangiza kuti akhalebe pamgwirizano wothandizana nawo.

Kuphatikiza pa njira yolembetsera mgwirizano, zikhalidwe zakusungitsa ndalama zimakambidwa. Zazikuluzikulu ndikupeza kwa zigawo (kulipira pang'onopang'ono) ndi kusungitsa ndalama kamodzi, koma zosankha zina ndizotheka.

Gawo 4. Kuunika zolembazo

Mapangano onse omwe achitika ayenera kutsatira malamulo oyenera. Sizingakhale zopanda phindu kuwayang'ana mothandizidwa ndi loya wodziyimira pawokha. Anthu ambiri amaganiza kuti uku ndikuwononga ndalama. Koma sikulangizidwa kuti tisunge pazachitetezo chamachitidwe.

Gawo 5. Kutsiliza mgwirizano

Gawo lomaliza la ntchitoyi ndi kumaliza mgwirizano... Asanasaine mgwirizano womaliza. Ndikofunikira kuti mufufuze mosamala mfundo zake zonse.

Poterepa, muyenera kulabadira:

pamene akukonzekera kumaliza ntchito yomanga;
Kodi ndi ziti zomwe zitha kuthetsedwa?
mtengo uyenera kukhazikitsidwa, sipangakhale zikhalidwe pamaziko pazomwe zidzasinthire;
chindapusa ngati ataphwanya mfundo za mgwirizano ziyenera kulamulidwa ku chipani chilichonse;
kukakamiza zochitika zazikulu.

Ndikofunikira kufikira zomwe zikuchitika kuti mupeze malo ndi nyumba zomwe zikumangidwa mosamala kwambiri. Ndikofunika kukumbukira kuti pali zoopsa zomwe zingachepetsedwe ndikutsatira mosamalitsa magawo azigawo.

5.4. Momwe mungapangire ndalama panjira yomanga - TOP-3 njira zogwirira ntchito

Wogulitsa ndalama ayenera kudziwa njira zopezera ndalama pogula malo omwe akumangidwa omwe ndi otetezeka kwambiri komanso otsimikizika kwambiri.

Njira 1. Kubwereka

Zopindulitsa kuchokera pakusamutsa malo ndi renti ndi ndalama yayitali... Koma njirayi ili ndi phindu lokhazikika.

Nthawi yobwezera pakadali pano idapitirira zisanu ndi chimodzi zaka. Koma musaiwale kuti malowa mulimonse momwe angakhalire ndi ndalama za wochita bizinesiyo.

M'mizinda ikuluikulu, pamafunika renti yamitundu yosiyanasiyana malo okhala: nyumba zapamwamba tsiku limodzi, zipinda zomwe zili m'malo ogona, situdiyo za mabanja achichepere ndi ena.

Poganizira katundu wamalonda, zitha kudziwika kuti kufunikira kwake kwa amalonda kumakhalanso kokwera nthawi zonse. Malo omwe amapezeka mu bizinesi komanso malo ogulitsira ndiotchuka kwambiri m'mizinda ikuluikulu. Chokhacho chokha chokha chotsatsa malonda ndikofunikira pakugulitsa ndalama zambiri ndithu.

Zogula nyumba zambiri zokwanira 1,5-2,5 miliyoni miliyoni. Ngati mukufuna kuyikapo ndalama katundu wamalonda, zitenga pafupifupi Nthawi 2-3 ndalama zambiri.

Njira 2. Kupeza nyumba yomwe ikumangidwa ikagulitsidwa atatumidwa

Ngati mugula malo omwe akumangidwa kuti mugulitsenso, mutha kubweza ndalama zanu mwachangu - pambuyo pake 1-2 za chaka... Ntchito yomanga nyumbayi ikangomalizidwa, chidwi cha osunga ndalama ndichosangalatsa. Makamaka omwe amakhala ndi mwayi amalandila ndalama mchaka chimodzi mu kuchuluka kwa 100% yazandalama.

Ndikofunikira kuwunikiranso zosankha zina. Mutha kukonzanso bwino kwambiri m'nyumba yomalizidwa. Chifukwa cha izi, mtengo wake udzawonjezeka pafupifupi kotala.

Njira 3. Kutenga nawo gawo pamagulu onse

Otsatsa omwe akufunafuna njira zabwino kwambiri zodzapezera malo ndi nyumba zomwe akumanga atha kulangizidwa gwirizanani ndi nkhoswe... Poterepa, mutha kukhala membala ntchito yothandizira akatswiriosagula malo konse. Kuti muchite izi, ndikwanira kuti mulowe nawo thumba limodzi lothandizirana ndikulandila ndalama ngati olandila nawo.

Pali ndalama zingapo zodalirika zomwe zikugwira ntchito ku Moscow ndi dera lomwe limayendetsa ndalama zogulitsa nyumba ndi malo. Kuphatikiza pomanga:

Ndalama za E3 - apa kuchuluka komwe mungalowemo ndi 100 zikwi ma ruble. Pomwe phindu limatsimikizika pamlingo 25-90 peresenti. Zogulitsa zonse m'thumba zimakhala ndi inshuwaransi. Wogulitsa ndalama atha kusankha payokha nthawi yobwezera ndalama kuchokera miyezi isanu ndi umodzi kale awiri zaka... Ndalama za omwe amagulitsa ndalama zimayikidwa ndi akatswiri m'malo ogulitsa madzi ambiri, wogulitsa amangofunika phindu. Njirayi ndi Zopindulitsa kungokhala ndi phindu lotsimikizika komanso chiopsezo chochepa... Kampaniyi imapereka chithandizo chazidziwitso, komanso kufunsa kwaulere kwa osunga ndalama.

Sminex - kampaniyo imayikamo nyumba zomalizidwa, komanso zinthu zomanga. Kampani imadzimangira yokha; ngati ntchito yowonjezera, amalonda amalandira kukonza nyumba... Kuphatikiza apo, kampaniyo imasamalira kupeza anthu okhala. Kampaniyo imamanga nyumba zazing'ono, nyumba zogona, malo ogulitsa. Akatswiri amatcha mwayi wosatsutsika wa bungweli lomwe likuyang'ana kwambiri pakupeza malo ogulitsa nyumba zomwe zikumangidwa, komanso chitetezo chawo panthawi yogwira ntchito.

Chifukwa chake, pali njira zingapo zopangira ndalama kugulitsa nyumba ndi malo zomwe zikumangidwa. Zimasiyana osati pamlingo wopindulira wokha, komanso pakuyesayesa komwe kungafunike kuchokera kwa wochita bizinesiyo.

5.5. Zowopsa zazikulu 4 mukamaika ndalama zogulitsa nyumba ndi malo zomwe zikumangidwa

Chuma chilichonse chimakhala pachiwopsezo chotaya ndalama zanu. Kuti muchepetse mwayi wotayika, muyenera kuphunzira pasadakhale machenjerero omwe amagwiritsidwa ntchito ndi achinyengo pamsika wogulitsa nyumba, zomwe muyenera kuopa mukamayesetsa kupanga zomangamanga.

Chiopsezo 1. "Sopo bubble"

Njira yoyamba yochitira chinyengo anthu omwe amangogulitsa ndalama ndi yosavuta kwambiri. Makampani oyendetsa ndege usiku amagulitsa kwa osavuta kunyengerera nthano, osati kwenikweni pansi pa zinthu zomangidwa. Ntchito zonse pamalo omanga zimangogwiritsidwa ntchito posintha.

Nthawi zambiri, ntchito zoterezi zimayendetsedwa ndikuyendetsedwa mothandizidwa ndi mabungwe osiyanasiyana azamalamulo. Zotsatira zake, malonda ochokera kunja amawoneka ngati mwamtheradi walamulo... Komabe, atambwali akangotenga ndalama zokwanira, amasowa limodzi ndi zopereka za osunga ndalama.

Njira yoyamba yodziwira kuwira ndikofunika kopanda phindu. Wogulitsa ndalama ayenera kuyerekezera mitengo ndi avareji m'deralo. Mtengo wotsika kwambiri uyenera kuchenjeza.

Ndikofunikanso kuwonetsetsa kuti zambiri za wopanga mapulogalamuwa ndizolembetsedwa. Makampani onse ogwira ntchito zomangamanga akuphatikizidwa. Chifukwa chake, ngati kampani yomwe ikufunsidwa siili pamndandandawu, si bungwe lovomerezeka.

Chiwopsezo 2. Kuwonongeka kwa wopanga mapulogalamu

Pali zifukwa zambiri zomwe kampani yomanga imatha kubweza:

kusayendetsa bwino;
kugwiritsa ntchito molakwika ndalama;
kusowa kwa ndalama;
kukwera mtengo.

Mwachilengedwe, kusowa kwa ndalama kumakhudza osati kampani yomanga yokha, komanso ndalama. Kuti musakumane ndi vuto ngati limeneli, posankha wopanga mapulogalamu, muyenera kuganizira kampani yayikulu, yomwe idakhazikitsa kale malo ambiri omangidwa.

Chiwopsezo 3. Kusamvera nthawi yomwe ikuperekera katundu wogulitsa

Chosokoneza china pakuyika ndalama zogulitsa nyumba zomwe zikumangidwa ndi anaphonya nthawi yomanga... Ngoziyi ndiyosasangalatsa makamaka kwa iwo omwe amagula malo ndi chithandizo cha ngongole. Wobwereketsa sasamala nthawi yomwe katunduyo adzagwiritsidwe ntchito, ndikofunikira kwa iye kuti ngongole zonse zibwezeredwe munthawi yake komanso ndi chiwongola dzanja choyenera.

Akatswiri adazindikira kuti tsiku lililonse lolephera kukwaniritsa tsiku lomaliza limadya 0,01% yazopeza ndalama. Mwambiri, izi sizambiri. Komabe, malinga ndi ma ruble amapezeka ndalama zabwino, makamaka ntchito ikachedwa kwa miyezi ingapo kapena zaka.

Zowopsa 4. Limbikitsani zochitika zazikulu, komanso kusintha kosayembekezereka pamsika wogulitsa nyumba

Izi zitha kuchititsanso kuti gawo la ndalama zaogulitsa lisawonongeke. Chitsanzo cha mphamvu majeure ndi kuyambika kwachuma kwakanthawi... Zotsatira zake, kupezeka pamsika wogulitsa nyumba kumatha kupitilira zomwe amafunikira. Izi zimabweretsa kutsika kwakukulu pamtengo wanyumba - nthawi zambiri ndi 10-20%... Ngakhale zinthu zitakhala kuti zatha, osunga ndalama ataya kale zina mwazopeza zawo.

Komanso, chitsanzo cha mphamvu majeure itha kukhala masoka achilengedwe (moto wamnkhalango, kusefukira kwa madzi, zivomezi), nkhondo, masoka amakampani. Njira yokhayo yodzitetezera kumatenda oterewa ndi inshuwaransi ya malo ndi nyumba yomwe ikumangidwa.

Tikukulimbikitsani kuti muwerenge nkhani yokhudza inshuwaransi yakunyumba, yomwe imafotokoza mfundo zofunika mukamapereka inshuwaransi yanyumba kapena nyumba.

Chifukwa chake, monga mtundu uliwonse wazogulitsa, ndalama zogulitsa nyumba zogulitsidwa zimaphatikizidwa ndi zoopsa zosiyanasiyana. Zina mwazomwezi zitha kuchepetsedwa pakuwunika bwino posankha chinthu choti mugule. Nthawi zina, inshuwaransi imathandiza kupewa zovuta.

6. Malangizo othandiza pakuwonjezera ndalama kubwezerani malo ndi malo 💎

Pogulitsa malo ogulitsa nyumba kapena zomanga kapena kumaliza, wochita ndalama aliyense amafuna kuti apindule kwambiri pomaliza. Izi zitha kuchitika pogwiritsa ntchito njira zili pansipa.

Malangizo 1. Pangani chitukuko ndikuvomereza (kulembetsa)

Kukonzanso malo okhala - njira yosavuta, yomwe imakupatsani mwayi wopanga nyumba zogwirira ntchito osasintha malo ake onse. Ngati mutakwanitsa kukonza bwino, mutha kuwonjezera mtengo wa nyumba kapena nyumba ndi 15-30%.

Poterepa, simuyenera kukonza zosagwirizana.. Zosintha zonse zomwe zidakonzedwa ziyenera kulembedwa ndi omwe akuthetsa mavuto amenewa. Lero ndi dipatimenti yomanga mu BTI, komanso oyang'anira zigawo.

Ndikofunikira kudziwa kuti lamuloli limaletsa kusintha kwamitundu ina, Mwachitsanzo, kugwetsa makoma onyamula katundu, komanso kukulitsa khitchini powononga malo okhala, kukulitsa kukula kwake kupitirira kotala.

Malangizo 2. Onetsetsani malo ena

Njirayi yowonjezera mtengo ilipo nyumba ndi nyumba zazing'ono... Kumeneku mutha kupanga zina zowonjezera, kusinthira zipinda zam'mwamba, kumanga khonde kapena pakhonde, ndikusintha zina.

Malangizo 3. Konzani zabwino

Ngati mupanga kukonza kwapamwamba, mtengo wanyumba udzakwera pafupifupi ndi 15-25%... Phindu limakhala lalikulu ngati mutadzikonza nokha, mukungogula ndalama zogulira zinthu zokha.

Ndikofunika kugula zipangizo khalidwe... Ogula amatha kusiyanitsa pakati pa zinthu zabwino zotsika mtengo ndi zotsika mtengo zaku China.

Malangizo 4. Sinthani nyumba zogona kukhala zotsatsa kapena mosinthanitsa

Mukaphunzira kufunikira kwa malo ndi malo m'dera linalake, mutha kusamutsa malo osakhalako ndikukhalanso komweko. Kupanga phindu kuchokera pakusintha malo okhala kukhala malonda ndikofunikira kumizinda yayikulu, makamaka kumagawo amabizinesi ndi misewu yoyenda.

Chifukwa chake, ndikofunikira osati kungoyika ndalama zogulitsa nyumba ndi malo, komanso kuyesa kuyesa kupeza phindu lokwanira kuchokera pamenepo. Tinafotokoza pamwambapa momwe tingachitire izi.

Njira zopezera ndalama kugulitsa nyumba ndi malo ndi capital capital

7. Momwe mungasungire ndalama zogulitsa malo ndi capital capital - 3 njira zenizeni 📄

Anthu ambiri amaganiza kuti ndalama zokwanira ndizomwe zimalepheretsa kugulitsa nyumba, koma sizili choncho. Anthu amalonda anzeru amatha kupeza ndalama zochepa, komanso amakopa ndalama zowonjezera. Pali njira zingapo zochitira izi.

Njira 1. Kupeza ndalama zobwerekedwa

Njira yotchuka kwambiri yowonjezera ndalama zanu ndi kukonza ngongole pogula malo. Masiku ano mabanki ambiri amapereka ngongole zoterezi.

Mwa njira, tinkakambirana zakomwe tingapezeko ndalama ngati mabanki onse ndi ma microloans akukana, mu imodzi mwazolemba zathu zam'mbuyomu.

Wogulitsa ndalama ayenera kukumbukira kuti kubwereka kulikonse kumakhudzana ndi kulipira peresenti... Chifukwa chake, ndikofunikira kuganizira ndalama zowonjezera pakuwunika. Ndalama zomwe zakonzedwa ziyenera kubweza chiwongola dzanja changongole ndikupereka phindu.

Ngongole, muyenera kulembetsa ku mabungwe akuluakulu obwereketsa ndalama ndi zabwino mbiri.

Sikoyenera kutenga ngongole pamtengo. Achibale ambiri olemera amapereka ngongole kwa okondedwa awo popanda kulipiritsa.

Njira 2. Kukopa omwe amagulitsa nawo ndalama

Abwino kwa osunga ndalama omwe alibe ndalama zokwanira - gwirizanitsani... Kwa iwo omwe aganizira mozama za ntchitoyi ndikuwathandiza ena kuti agwire bwino ntchito, kupeza zibwenzi sikungakhale vuto.

Njira 3. Kusankha njira yoyenera

Wogulitsa ndalama aliyense amamvetsa izi mapulani oyenerera azachuma ndi gawo lofunikira pakupambana kwawo. Omwe alibe chidziwitso chokwanira chazachuma atha kulangizidwa kuti apemphe thandizo kwa omwe akudziwa bwino ndalama.

Makalabu osiyanasiyana azachuma ndi chitsanzo cha chithandizo chatsopano kwa obwera kumene. Ntchito ngati izi zimabweretsa pamodzi omwe amagulitsa zomwe amaphunzira kwa oyamba kumene. Makalabu amachita makalasi osiyanasiyana - maphunziro ndi masemina, ofotokoza momwe mabungwe azachuma amagwirira ntchito. Chidwi chachikulu chimaperekedwanso kuzogulitsa nyumba ndi malo.

Pankhani yakugulitsa malo ndi nyumba, nkhani zotsatirazi zikuwerengedwa:

njira;
momwe mungalowere kudziko lazamalonda ndi ndalama zochepa;
ndalama m'mitundu yosiyanasiyana ya malo ndi nyumba;
pangani ndi kugulitsa.

Chifukwa chake, ndalama zosakwanira sizolepheretsa ndalama. Munthu aliyense wolingalira adzapeza njira zoyendetsera ndalama zopindulitsa.

8.Kuthandizidwa ndi akatswiri mukamapereka ndalama zogulitsa nyumba ndi malo ⭐

Thandizo lochokera kwa akatswiri palibe mfulu... Komabe, zimathandiza zambiri kuonjezera mlingo wa kubwerera pa ndalama.

Kwa omwe akugulitsa omwe akufuna kuchepetsa zoopsa, koma nthawi yomweyo amapereka okwanira mokwanira phindu, ndibwino kuti tigwirizane ndi akatswiri pankhani yogulitsa nyumba.

Pali makampani atatu omwe akugwira ntchito iyi ku Russia:

Ndalama za E3 Amapereka ndalama zogulira ndalama kwa nthawi yayitali mumitundu yosiyanasiyana yazogulitsa nyumba. Izi zimatsimikizira kuchuluka kwa ndalama. Nayi njira yocheperako yolowera msika wogulitsa nyumba. Otsatsa ndalama amatha kusungitsa kuchuluka kwa ma ruble zikwi 100 kapena kupitilira apo.

Omwe akufuna kuyika ndalama pakampaniyi atha kudziwa phindu lomwe akuyembekezeredwa. Kuti muchite izi, ingogwiritsani ntchito chowerengera patsamba lake.

Zopereka zamakampani ogulitsa zimadziwika kuti ndizodalirika kwambiri. Mitundu yonse yazinthu ili ndi mitundu itatu ya inshuwaransi.

Activo imapereka mwayi wofikira malo amadzimadzi kwambiri. Chitetezo chazachuma chimatsimikiziridwa kudzera mu umwini wodziyimira payokha. Mukayika ndalama kuchokera ma ruble miliyoni, kampaniyo imatsimikizira phindu mu 11,6%.

Wogulitsa ndalama amagula malo ndikuwasamutsa oyang'anira akatswiri. Kampaniyo imapatsa makasitomala ake malipoti okwanira mwezi uliwonse, komanso imatsimikizira chitetezo cha ndalama zomwe zidayikidwa.

Mwala wa Gordon Ndi kampani yogulitsa malo yomwe ikupezeka padziko lonse lapansi. Otsatsa ndalama, pogwiritsa ntchito ntchito za kampaniyo, amatha kupanga ndalama m'mahotela, malo ogulitsa ndi malo okhala kunja.

Ntchito zotsatirazi zimaperekedwanso:

kugula zipinda ku mahotela, malo odyera, malo azachipatala, mini-hotelo;
kupeza malo ndi nyumba kwa anthu azaka zopuma pantchito;
kugulitsa ndalama mu bizinesi yokonzeka m'maiko angapo padziko lapansi;
zokambirana ndi masemina opatulira kugulitsa ndalama moyenera.

Chifukwa chake, kuti mugwire ntchito yogulitsa malo ndi malo, simuyenera kukhala ndi ndalama zambiri komanso kudziwa zambiri. Ndikokwanira kutembenukira kwa akatswiri kuti akuthandizeni.

9. Mafunso Ofunsidwa Kawirikawiri (FAQ) 💬

Nkhani yakugulitsa nyumba ndi nyumba ndizambiri ndipo ndizovuta kumvetsetsa. Chifukwa chake, amalonda ambiri ali ndi mafunso osiyanasiyana pamutuwu. Makamaka nkhawa zatsopano... Tiyeni tiyese kuyankha mafunso otchuka kwambiri.

Funso 1. Kodi ndizopindulitsa kwambiri kuti kugulitsa ndalama: kugulitsa nyumba kapena malo osungitsira ndalama?

Nthawi zambiri, anthu osadziwa zambiri pakuika ndalama, omwe ali ndi ndalama zambiri, amadabwa kuti atani nawo - kugula nyumba ndi kuibwereka kapena kuyiyika ku banki kuti ikasungire ndalama?

Tiyerekeze kuti wogulitsa ndalama alipo 3 000 000 Ma ruble. Ganizirani zosankha zonse ziwiri.

Mukayika ndalama kubanki ku 10% pachaka, mutha kulandira ndalama miyezi 12 300 masauzande ma ruble, ngati mawu a chiphaso samapereka ndalama zachuma. Werengani za capitalization ya chiwongola dzanja pa akaunti yosungitsa ndalama ndi momwe mungawerengere ndalama zomwe mumadzazanso ndikudzipangira nokha munkhani ina m'magazini yathu.
Tsopano tiyerekeze kuti wogulitsa ndalama wagula chipinda chimodzi ku Moscow chifukwa cha ndalama zomwe ali nazo. Pobwereka, azilandira ma ruble zikwi 25 pamwezi. Zotsatira zake, mchaka chimodzimodzi ndalama zomwezo zidzayamba 300 zikwi ma ruble.

Poyerekeza zosankha ziwirizi, musaiwale kuti pakubwereka, ndalama zowonjezera zimachitika - kwa ngongole zothandiza, misonkho, kukonza ndi ena. Kuphatikiza apo, muyenera kukhala ndi nthawi yochuluka kufunafuna malo abwino, kukhazikitsanso anyumba.

Zikuwoneka kuti madipoziti amapindulitsa kwambiri kuposa kugula nyumba yobwereketsa pambuyo pake. Koma izi sizowona kwathunthu; pofufuza chitsanzo, sitinkaganizira za kupezeka kwa inflation. Kutsika kwa ndalama pang'onopang'ono kumawononga ndalama zomwe zasungidwa.

Nthawi yomweyo, ndikofunikira kulingalira lamulo lofunika lazogulitsa - Simungakhulupirire zomwe boma limalemba pamitengo yachuma. M'malo mwake, ndalama zimachepa mwachangu kwambiri.. Zikuoneka kuti, mwa njira yabwino kwambiri, chiwongola dzanja chomwe chidzasungidwe chithandizira kukwera kwamitengo, koma sizokayikitsa kuti zingatheke kupanga ndalama pazinthu zoterezi.

Nthawi yomweyo, mitengo yamitengo imagwa kawirikawiri. M'kupita kwanthawi, phindu lake limakula. Komanso renti imakhala yokwera mtengo nthawi zonse.

Chifukwa chake, zimapezeka kuti mukaganizira zakanthawi kochepa, mutha kupeza ndalama zambiri pamasungidwe. Komabe, podziwa kuti nyumba zikukhala zodula kwambiri, zitha kudziwika kuti kugulitsa nyumba ndi nyumba kumathandizira kuthana ndi kukwera kwamitengo.

Funso 2. Kodi ndi nyumba yanji yomwe ili yopindulitsa kubwereka: nyumba kapena malonda?

Otsatsa ena amasanthula dala msika wamalo ndi nyumba kuti amvetsetse zinthu zomwe zimapindulitsa kubwereka - Kumakomo kapena zamalonda... Mwambiri, ndizosatheka kuyankha funsoli mosadodometsa, chifukwa pamakhala zoopsa pamsika komanso pazachuma.

Kwa azimayi akuluakulu, nthawi zambiri zimakhala bwino malo ogulitsa... Akatswiri amakhulupirira kuti ndalama zoterezi zimalipira mwachangu kwambiri. Komabe, chifukwa cha mawonekedwe awo, ndizovuta kwambiri kwa oyamba kumene.

Zokhudza malo okhala, ndizopindulitsa kubwereketsa kwa iwo omwe adalandira popanda ndalama, mwachitsanzo, cholowa kapena mphatso. Mukamagula malo oterewa, amalipira kwa nthawi yayitali kwambiri.

Ndikofunika kumvetsetsakuti kugulitsa malo ndi malonda ndiowopsa. Izi ndichifukwa choti amatengeka kwambiri ndimomwe zinthu zikuyendera pachuma, mwachitsanzo, kuyamba kwa nyengo yamavuto.

Ndalama zogulitsa malo zimakhudzidwa ndi mitundu ina yazovuta zomwe ndizovuta kuwerengera. Zotsatira zake, zolakwitsa zitha kupangidwa pakuwerengetsa ndalama zomwe zikufunika, zomwe pamapeto pake zidzapangitsa kuti pakhale mwayi wogula chinthu ndi ndalama zochepa. Zoterezi sizingatheke osati ayi pindulanikomanso zikuphatikizapo zotayika zazikulu.

Komabe, polankhula za ubale wazachuma, zitha kuzindikirika kuti pankhani yamalo ogulitsa, amakhala okhazikika kuposa omwe amakhala ndi nyumba zokhalamo anzawo. Pobwereketsa malo ogulitsa, wothandizirayo amafunitsitsa kuti azikhala bwino. Izi ndichifukwa choti ndendende momwe madera amachitiramo bizinesi amapanga malingaliro amakasitomala za kampaniyo... Anthu ogwira ntchito anzawo nthawi zambiri samayesetsa kuti azikhala bwino.

Nkhani ya ndalama zomwe timalandira kuchokera kubwereka mitundu yosiyanasiyana ya malo ndi nyumba zimasiyanitsidwa. Aliyense amadziwa kuti poyerekeza malo amtundu womwewo, malonda amabweretsa ndalama zambiri kuposa zogona.

Zindikirani! Pogula malo, wogulitsa ndalama ayenera kusanthula, ndi ndalama ziti zomwe zingabweretse... Izi ndizowona makamaka pazinthu zomwe zabwerekedwa kale. Ndizotheka kuneneratu za phindu la malo panthawi yomwe amapeza.

Iyeneranso kufananizira khamaimayenera kuyang'anira zinthu zingapo. Mwachilengedwe, zinthu malo okhala (ngakhale atakhala angapo ndipo amapezeka m'malo osiyanasiyana amzindawu) ndizosavuta kuyang'anira kuposa, mwachitsanzo malo ogulitsaadagawika magawo ndikubwereketsa kwa amalonda angapo. Ndikofunikira kwambiri kuti kugulitsa malo ndi malo kwa nthawi yayitali kuposa malo okhala.

Otsatsa ena azinena kuti masiku ano kasamalidwe ka malo ndi nyumba atha kuwasamutsira ku mabungwe apadera. Koma izi zimafunanso ndalama zina zowonjezera.

Kodi tingaphunzire chiyani pa izi?

Chifukwa chake, ndizopindulitsa kwambiri kubwereka malo ogulitsa. Komabe, izi zimafunikira kuwerengera ndalama ndi kuyesetsa kuchokera kwa wochita bizinesiyo, komanso chidziwitso chapamwamba pamsika wokha.

Ndalama zogulitsa nyumba ndi nyumba zimapezeka pagulu lalikulu la osunga ndalama. Izi zidzafuna ndalama zochepa kwambiri. Nthawi yomweyo, malo ndi nyumba zotere amatha kukhala gwero la pafupifupi ndalama zokhazikika kwa nthawi yayitali kwambiri.

Komabe, osunga ndalama omwe alibe chidziwitso chochepa chothandizira kugulitsa malo kapena nyumba atha kupatsidwa upangiri wofunikira. Musanapange chisankho chokomera chilichonse, ndi bwino kupenda mosamala zonse zomwe mungachite, mosamala nyumba ndi malo ogulitsa.

Funso 3. Kodi mungagule bwanji malo motsika mtengo?

Zowona kuti kugulitsa nyumba ndi njira yabwino yopezera ndalama sikokayikitsa aliyense. Komabe, pali njira zokulitsira modabwitsa mfundo yanu. Kuti muchite izi, mutha kugwiritsa ntchito maupangiri amomwe mungagule malo motsika mtengo momwe mungathere. Mukaphatikiza zochitika, mutha kusunga za 30% ya mtengo.

Tiyeni tiganizire zosankha zomwe zingatheke:

1) Tinakambirana mwatsatanetsatane kugula malo ndi nyumba zomwe zikumangidwa... Ndalama zoterezi ndizopindulitsa ndipo zimabweza ndalama bwino. Komabe, chiopsezo pamfundoyi ndichachikulu kwambiri.

Tsoka ilo, ndizotheka kuti mamangidwe a nyumbayo ndi womanga sadzamalizidwa patsiku loikidwiratu. Kuphatikiza apo, pamakhala milandu pomwe nyumba sizinaperekedwe ntchito kwazaka zambiri. Zikatero, nthawi zambiri sizimadziwika ngati ntchito yomanga idzamalizidwa konse.

M'mizinda yayikulu yambiri muli mabungwe angapo amabedwa achinyengo ogulitsa nyumba ndi nyumba. Anthu awa, pazifukwa zosiyanasiyana - pazosowa zawo kapena cholinga chopeza ndalama - adagula nyumba m'nyumba zomwe zikumangidwa, koma pamapeto pake anakhalabe pakhomopo... Kumangirira kampani yomanga kumakhala kovuta, makamaka ngati ikunena kuti yatha.

2) Njira ina yochepetsera kuchuluka kwa ndalama ndi kugula malo osakonzanso... Wogulitsa ndalama amaika ndalama kuti amalize ntchito, pambuyo pake mtengo wamalowo umakwera nthawi yomweyo. Ndi kuphatikiza kopambana, kukonza kwapamwamba pogwiritsa ntchito zomvera, mutha kuzipeza mwachangu 15% adafika.

3) Otsatsa omwe ali ndi chidziwitso pamsika wogulitsa nyumba amagwiritsanso ntchito njira zosangalatsa kwambiri zopezera ndalama pogula chinthu. Mwachitsanzo, ambiri a iwo Pezani malo omwe alandidwa pazifukwa zosiyanasiyana, ogulitsidwa.

Zikadzachitika kuti anthu ndi makampani alephera kubweza ngongole, omwe amawakongoza amakhala ndi chidwi chobweza ndalamazo posachedwa. Chifukwa chake, katundu wama bankrupt nthawi zambiri amawagulitsa pamtengo wotsika kwambiri mitengo yotsika kwambiri... Za ma tenders ndi misika ya bankirapuse, tidalemba nkhani yosiyana.

4) Pokhudzana ndi kupezeka kwa kuchuluka kosalipira ngongole yanyumba ndi mitundu ina yobwereketsa, mabungwe angongole nthawi zambiri amasumila makasitomala awo katundu yemwe amakhala ngati chitsimikizo chobwezeredwa pansi pa mgwirizano. Malo amenewa amagulitsidwanso ndi mitengo yotsika, popeza mabanki ali ndi chidwi chobweza ndalama zawo.

Komwe mungayang'anire zoterezi:

Pa intaneti, mutha kupeza masamba apadera omwe amatolera zambiri zakugulitsa katundu wogulitsidwa kwa omwe ali ndi ngongole, komanso kumangidwa ngati chikole. Nthawi zambiri, osunga ndalama pano amapeza zosankha zosangalatsa kwambiri pakuika ndalama.

Kuphatikiza apo, zambiri zakugulitsa zinthu zomwe zalonjezedwa komanso kulandidwa kwa mabungwe azovomerezeka zimapezeka m'kaundula woyenera wa bankirapuse yawo.

Funso 4. Kodi ndi mabuku ati azogulitsa nyumba ndi nyumba omwe newbie ayenera kuwerenga?

Mafunso aliwonse okhudzana ndi gawo lazachuma amafunikira chidziwitso kuchokera kwa omwe akuchita nawo. Chifukwa chake, ndikofunikira kuphunzira zolemba zapadera pamutu wosangalatsa. Ndalama zomwe zimagulitsidwa kugulitsa nyumba ndi malo sizichitikanso.

Buku 1. Robert Kiyosaki "Investing in Real Estate"

Ogulitsa ambiri pantchito amakhulupirira kuti buku labwino kwambiri pazogulitsa malo ndi nyumba lidalembedwa ndi Robert Kiyosaki. Amatchedwa achabechabe - "Investment and Real Estate".

Zomwe zili pantchitoyi ndizapadera. Wodziwika pamagulu azachuma, Kiyosaki adasonkhanitsa akatswiri 22 omwe akugwira ntchito yogulitsa nyumba ndi malo. Zotsatira zake ndi buku lomwe limakhala ndi zochulukirapo kuposa zongopeka zokha zakuwonetsera nyumba ndi nyumba.

Komanso pantchitoyi pali maupangiri ambiri omwe sataya kufunikira kwawo, komanso nkhani zina zomwe akatswiri amagawana ndi owerenga.

Bukhu 2. Eric Tyson "Investment for Real Dummies"

Ili ndiye buku langwiro zatsopano pankhani yazogulitsa nyumba ndi malo. Mwa njira yopezeka, imatiuza momwe mungapangire ndalama mopindulitsa komanso moyenera.

Ntchitoyi ili ndi malangizo atsatanetsatane, oyenera a zomwe woyamba ayenera kuchita.

Aliyense, ngakhale atapanda maphunziro azachuma, atha kupeza zambiri zothandiza m'bukuli powerenga mosavuta.

Buku 3. McElroy K. "ABC Yogulitsa Malo Ndi Nyumba"

Bukuli ndi labwino kwa iwo omwe amadziwa bwino za ndalama. Ikuthandizani kuti mudziwe zambiri zamomwe mungagwirire ntchito ndi zinthu zopezera ndalama.

Wowerenga aphunzira momwe angasankhe malo opindulitsa kwambiri, momwe angagwirire ntchito ndi zochuluka zofunikira zazidziwitso ndi zikalata.

Kufunika kwakukulu pamalonda kumaperekedwa ku momwe mungapezere phindu.

Buku la 4. Alexey Durnev “Kugulitsa nyumba ndi malo. Momwe mungapangire ndalama popanda ndalama zoyambira pa ndalama za anthu ena "

Bukuli liyenera kuwerengedwa ndi iwo omwe salakalakanso kufunafuna ndalama. Palibe mawu apa onena za kulemera ndi kuthetsa mavuto azachuma m'masiku ochepa.

M'malo mwake, ntchitoyi ili ndi zidziwitso zothandiza momwe mungagwiritsire ntchito malo ndi nyumba popanda chiopsezo chotaya ndalama zanu.

Ikufotokozanso momwe mungapezere ndalama kuchokera kuzogulitsa zoterezi.

Bukhu 5. McLean Andrew James ndi Eldred Gary W. Investing in Real Estate

Bukuli limakuwuzani njira ziti kupatula kubweretsanso ndalama kuti mupeze ndalama zogulitsa nyumba ndi malo.

Mukawerenga, wogulitsa ndalama amayamba kuzindikira kuti pali njira zambiri zopangira ndalama pochita izi.

Chifukwa chake, kugulitsa nyumba ndi njira ndi njira yodalirika yopangira ndalama. Zilibe kanthu kuti wogulitsa ali ndi ndalama zingati. M'masiku amakono azachuma, mutha kuyamba kulandira ndi ndalama zochepa.

Komabe, ndikofunikira kuti nthawi zonse muzichita maphunziro aumwini, yesetsani kupeza zambiri zothandiza momwe mungathere.

Kumapeto kwa nkhaniyo, timalimbikitsa kuwonera vidiyo yokhudzana ndi kugulitsa nyumba ndi nyumba (njira, maubwino ndi zoyipa zopezera ndalama):

Ndi kanema - "Momwe mungapangire ndalama zosatha mumsika wogulitsa nyumba":

Ndizo zonse lero. Kupindulitsa komanso kupindulitsa kugulitsa nyumba!

Ngati muli ndi mafunso kapena ndemanga pamutu wofalitsa, siyani mu ndemanga pansipa. Mpaka nthawi yotsatira patsamba la magazini yathu yapaintaneti "Malingaliro Amoyo"!

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