Ogaado marka iibsashuhu ka jaban yahay kireynta. Barbardhig kharashyada guud waqti ka dib iyada oo la isticmaalayo xisaabiyaheenna is-dhexgalka ah. Bilaash.
Ka dib 1 sano, iibsashuhu wuu ka jaban yahay
Dhibcaha Isu-dheellitirka
350.006,88 €
Kharashka Guud ee Kireynta
293.361,68 €
Kharashka Guud ee Iibsashada
233.255,85 €
Tabaruca Net-ka Haddaad Kireyso
418.755,57 €
Tabaruca Net-ka Haddaad Iibsato
Markii ugu dambeysay ee la cusboonaysiiyay:
Kiree vs Iibsasho
Go'aanku inuu kirayso ama iibsato guri waa mid ka mid ah doorashada maaliyadda ee ugu muhiimsan ee aad sameyn doonto. Jawaabtu waxay ku xirnaan doontaa doorashooyinka badan: qiimayaasha hantida, heerarka kiraha, xididdada qaalidaymaha, beddelka maalgashiga, iyo mudadda aad qorsheyneyso inaad goob hal meel ku joogto.
Si ka duwan qalab kiree-vs-iibsasho oo badan oo kaliya barbardhiga kharashyada bishiiba, xisaabiyaheenna wuxuu sawir gees ahaaneed u samaynayaa sawirka maaliyadda oo buuxa waqti ka dib — oo ay ku jiraan kobaca hantida, koritaanka kiraha, soo celinta maalgashiga ee lacagta hordhaca, iyo dhibcaha isu-dheellitirka runta ah.
Sida U Shaqeysa
Xaaladda kireynta, waxaad bixinaysaa kirada bishiiba (ee sannad kasta koreysa) oo aad maalgashinaysaa farqiga u dhexeeya waxa aad ku bixin lahayd qaalidaymaha iyo kirahaada, iyo sidoo kale xadiga lacagta hordhaca, portfolio maalgashiga oo kala firfircoona.
Xaaladda iibsashada, waxaad bixinaysaa lacagta hordhaca horay, bixinaysaa lacag bixiyaha qaalidaymaha bishiiba, bixinaysaa kharashyada dayactirka sannadlaha ah (1% qiimaha hantida), waxaadna ka faa'iidaysataa kobaca hantida. Dhibcaha isu-dheellitirku waa marka tabaruca net-ka ee iibsashadu ka dhaafto qiimaha portfolio maalgashiga ee kireynta.
Tilmaamayaasha Muhiimka ah
Saamiga P/R oo ka sarreeya 20 badanaa wuxuu tilmaamayaa kireyntu ay ka soo jiidaneyso; ka hooseysa 15 caadi ahaan wuxuu ku fiicnaaday iibsashada. Magaalooyinka Yurub ee badan (Vienna, Lisbon, Sofia) saamiga wuxuu fadhiyaa 15–25, halka London, Amsterdam, iyo Zurich ay badanaa ka dhaafayaan 30.
Kharashka fursadda lacagta hordhaca: geliga €40,000 lacag hordhac ah waxay lumisaa soo celinta maalgashiga. 7% soo celin sannadlaha ah, €40,000 waxay u kori doontaa ~€78,000 10 sano gudaheed. Xisaabiyahayagu wuxuu tixgeliyaa kharashkan fursadda.
Marka Mid waliba Guulaysto
Kirada - qorshayaasha muddada-gaaban
Haddii aad filayso inaad ku guurto 5 sano gudahood, kireysiga had iyo jeer waxay ku guulaysataa kharashka wax kala iibsiga awgeed.
Kirada - saamiga P/R sare
Marka P/R ay dhaafto 20 (sida London ama Zurich), kirayntu waa doorashada caqligal ee maaliyadeed.
Iibso - qorshayaasha muddada-dheer
Ma qorsheynaysaa inaad joogto 10+ sano? Iibsigu caadi ahaan wuu dhaafaa ijaarka dhaqaale marka loo eego dhinacaas.
Iibso - dulsaar hooseeya
Heerarka amaahda guryaha ee hooseeya ayaa si weyn u wanaajiya kiiska wax iibsiga ee kireysiga dheeraadka ah.
Qiimaha lahaanshaha qarsoon
Dayactirka 1-2% sanadkii, caymis, cashuurta hantida, khidmadaha HOA - miisaaniyada kuwaas oo dhan.
Qiimaha wax kala iibsiga
Bulgaariya, kharashyada wax iibsiga ee la isku daray (nootaayada, cashuurta, wakiilka) waxay gaarayaan 4-6% qiimaha.
Iibsashuhu caadi ahaan wuxuu ka wanaagsan yahay kireynta ka dib dhibcaha isu-dheellitirka, taas oo ku xiddan qiimeyaasha hantida, xididdada qaalidaymaha, heerarka kiraha, iyo soo celinta maalgashiga. Inta badan magaalooyinka Yurubta, dhibcaha isu-dheellitirku waa 5-10 sano. Haddaad qorsheyneyso inaad ka sii joogto meel ka dheer mudadda isu-dheellitirka, iibsashuhu caadi ahaan waa doorashadda maaliyadda ee wanaagsan.
Dhibcaha isu-dheellitirka waa marka kharashka guud ee iibsashada (oo ay ku jiraan lacag bixiyaha qaalidaymaha, dayactirka, iyo kharashka fursadda lacagta hordhaca) lala siman yahay kharashka guud ee kireynta (kiraha iyo soo celinta maalgashiga aad kasbi lahayd lacagta hordhaca). Ka dib dhibcahaas, iibsashuhu wuu ka jaban yahay.
Ka baxsan lacag bixiyaha qaalidaymaha, mulkiilayaashu waxay la kulmaan kharashyada dayactirka (caadi ahaan 1% qiimaha hantida sannad kasta), caymiska hantida, canshuurta hantida, kharashyada HOA ee suurtogalka ah, iyo dayactirada weyn (saqafka, kuleylka, tubbada). Kharashyadani waxay ku dari karaan 20-30% kharashyadaada guriga bishiiba marka loo eego kaliya lacag bixinta qaalidaymaha.
Marka aad isticmaasho kaydintaada lacag hordhac, waxaad lugtaa soo celinta maalgashiga ee suurtogalka ah ee lacagtaas. Tusaale ahaan, lacag hordhac ah €40,000 oo maalgashiyey 7% sannadlaha wuxuu koritaan doona ku dhawaad €78,000 10 sano gudahood. Xisaabiyaheenna wuxuu xisaabtaa tani iyada oo muujinaysa waxa lacagtaadu kasbi lahayd haddii la maalgashiyo beddelkiis ah inay loo isticmaalo lacag hordhac.
Koboca hantida taariikhiga ah Yurubta celcelis ahaan waa 2-4% sannad kasta, laakiin wuu si weyn uga kala duwanaaday goob iyo wakhti ahaanba. Aagagga magaalada caadi ahaan waxay si dhakhso ah u kordhaan. Qorsheyniinta xaafidnimada, isticmaal 2-3%. Xisaabiyuhu wuxuu kuu oggolaanayaa inaad hagaajiso xiddigan si aad u aragto sida xaaladaha koboca kala duwan ay saamaynayaan go'aanka kiree vs iibsasho.