Yakha umnotho ngokuthenga izakhiwo ezifaka inzuzo
SIKHULA NGOMNOTHO
IZAKHIWO zineqhaza elibalulekile emnothweni wezwe njengoba zidingeka ukuhlalisa abantu nokusebenza kwamabhizinisi.
Abantu badinga izindlu ukufihla amakhanda nokunika imindeni yabo isithunzi emphakathini. Ngakolunye uhlangothi amabhizinisi adinga izindawo zokusebenzela, ukugcina izimpahla nokunye.
Amabhizinisi amaningi ayakugwema ukuthenga izakhiwo asebenzela kuzona ngenxa yemali eningi edingekayo ukuthenga nokuthi ukuqasha kwenza kube lula ukushintsha indawo noma ukuvala ibhizinisi uma kungahambi kahle.
Ngakolunye uhlangothi abantu baphoqeleka ukuthi baqashe ngoba bengenayo imali yokuthenga noma benemizi kwenye indawo beze kulelo dolobha ngokusebenza. Izindawo zokuhlala ezakhele amadolobha zihlukene phakathi kwalabo abaqashayo nalabo abangabanikazi bezindlu.
Imali yokuqashisa iyithuba elihle lomnotho, eqinisweni izifundo zomnotho zigxile khona ekuqashiseni okunhlobonhlobo. Leli thuba lidinga ukuthi uthenge isakhiwo bese uthola abantu abadinga ukusisebenzisa bakhokhe.
Okuvamile wukuthenga isakhiwo leso ngebhange bese usebenzisa imali yerenti ukukhokhela ibhange iminyaka engu-20. Inkinga wukuthi akulula ukuthola imali ebhange.
Ongoti bathi kulula ukuthola imali yokuthenga umuzi wakho ozohlala kuwona kunokuthola imali yokuthenga isakhiwo ozoqashisa ngaso.
Amabhange adinga ukuthi ubonise inhloso yokuthenga isakhiwo futhi uqinisekise ukuthi irenti izokwazi ukukhokha isikweletu.
Lokhu kusho ukuthi kufanele wenze ucwaningo lokuthi isakhiwo ofuna ukusithenga sizofaka irenti engakanani futhi angakanani amathuba okuthi siqashwe.
Ukuthenga isakhiwo akulona ibhizinisi, asikho isiqiniseko sokuthi uzothola irenti. Kubalulekile ukuthi uthi usayina isikweletu sebhange ube unohlelo lokuthi isakhiwo sizoyifaka kanjani imali. Ayikho ingcindezi kangako uma usebenzisa imali yakho kodwa kuwumqondo ophusile ukuthi ube nohlelo ukuze uthole inzuzo emalini oyitshalile.
Okuhlabahlosile ngokuthenga izakhiwo wukuthi awugcini nje ngokwenza inzuzo ngerenti kodwa imali oyitshalile iyakhula uma kukhula intengo yesakhiwo leso. Intengo yezakhiwo ikhule ngamaphesenti ayisishiyagalolunye unyaka nonyaka kule minyaka engu-20 eyedlule.
Lokhu kusho ukuthi isakhiwo esathengwa ngoR1 million ngo-1998 singadayiswa ngoR5.6 million ku-2018. Kusho ukuthi wenza inzuzo kaR4.6 million uma singabali ukwehla kwamandla emali kodwa le nzuzo iyehla iye kuR800 000 uma sibala nokwehla kwamandla emali. Uma sifaka irenti ewuR6 000 njalo ngenyanga sesisuse zonke izindleko zokugcina isakhiwo sisebenza inzuzo ingafika kuR2.8 million uma sibala nokwehla kwamandla emali.
Ake sibone ukuthi umehluko ungakanani uma usebenzise ibhange. Sithatha ngokuthi ibhange lizokunika uR900 000 wemali yokuthenga wena ufake uR100 000.
Uzodinga omunye uR100 000 wokukhokhela ukubhaliswa kwesakhiwo nezinye izidingo nezindleko zokuthola abazoqasha.
Ake sithi irenti ikhokhela zonke izindleko zebhange, ukunakekela isakhiwo namarates. Lapho inzuzo uyithola ngokukhula kwentengo yesakhiwo engafikelela kuR1.6 million uma sibala ukwehla kwamandla emali eminyakeni ewu-20. Uma unoR1 million ungathenga izakhiwo ezinhlanu usebenzisa ibhange, lapho inzuzo iwuR8 million.
Uma uthenga ngokheshi imali yakho ikhula ngokuphindwe kane kanti uma usebenzisa ibhange ikhula ngokuphindwe kayisishiyagalolunye.
Uyalidinga ibhange, ngakho kubalulekile ukwakha ubudlelwano obuhle nalo. Yilobu budlelwano obenza abanye abantu bakwazi ukuthola imali yokuthenga amabhilidi amakhulu noma ukwakha izinxaxathela zezitolo.
Siyazi-ke ukuthi ngisho ukuthola uR200 000 wediphozithi akulula. Yingakho kusiza ukuhlangana nabanye abantu nithenge ndawonye noma ujoyine lokhu okubizwa ngeproperty syndication.
Ningathatha isinqumo sokwenza istokofela sokuthenga izakhiwo noma uthenge amasheya ezakhiwo abizwa ngamaREITs.
Kumele sikhumbule ukuthi akukhona nje ukuthenga kodwa sithengela ukwakha umnotho, kufanele kube nohlelo lokuthi irenti izotholakala kanjani.
Sishayele noma uthumele umlayezo ku-060 586 9798 noma ku-083 354 8794. Bhalisa uthole ulwazi olunohlonze ku www. ubuntuwealth.co.za. Hheshe!