Logikos
JF-Expert Member
- Feb 26, 2014
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Mkuu nadhani unaongea vitu vya ajabu sana..., Ukitumia pesa zako ndio haufilisiki ? Nyumba real estate ni long term business unless otherwise unaongelea kujenga kajumba ka pesa ndogo, development inweza kwenda kwenye billions of money, (land, architects na kama ni ghorofa mambo ya soil test n.k.) Sio pesa ndogo hata kidogo..., hivyo basi developers wote wakubwa huwa wanakwenda benki kuchukua loans (moja sio busara kutumia cash ambayo cashflow hio huenda ikafanya mambo mengine hata kama unayo) mbili return ya pesa ulizoweka ni za muda mrefu huenda usizione mpaka miaka iende au usizione kabisa katika maisha yako..., Kwahio huenda huelewi msemo wa others people's money.... (Msemo huu ni kwamba wapangaji wanakusaidia ku-climb the property ladder) ule mkopo / loan uliyochukua ndio wanalipa hata ikichukue miaka 30 ni kwamba utakuta zile rent ndio zimetumika kwako kulipia hizo nyumba...Trump amekuwa bankrupt mara ngapi? Watu mnaongelea sana habari ya kutumia other people's money.. unafikiria inatoka tu? Ukicheza ndio unafilisika. Ww subiri tu other people's money.
Kuhusu kufilisika ndio hayo niliyosema location matters, wewe huwezi kujijengea nyumba ya value ya watu prime katika kiwanja cha low earners alafu ukategemea utapata hizo rent ambazo ni value ya nyumba yako..., pili African market is unpredictable..., Tatu kuhusu Trump amekuwa bankrupt mara ngapi (ndio tunarudi kule kule nyumba inaweza ikakufilisi) ila dunia nzima all big property developers use loans / funding from other sources..., its not realistic wala wise kutumia your own cash (unapunguza cashflow yako) unless otherwise ni nyumba yako ya kuishi moja au mbili lakini sio gwiji wa build to rent au build to sell....
Ndio maana narudia tena umeelewa maana ya Other People's Money...., Wewe hata ukijenga kachumba kamoja kwa mshahara wako ukatumia rent za mpangaji wako kujenga nyumba ya pili (That's other Peoples Money) ila realistically kwa developers wakubwa wanaojenga maghorafa ni ngumu kujenga kwa pesa yako mwenyewe kwahio wanachukua loan (mortgage ulaya ni ndogo sana mara nyingi ni single digits) kwahio anachukua hio (other people's money) anaweka asset, asset inazalisha analipa loan mwisho wa siku anabaki na asset; anaitumia tena hio asset kama collateral and the game goes on and on the property ladder is climbed up and up and up...... (Alianza na nyumba moja unashangaa anaown karibia mtaa mzima)Wengine tunaendelea tu kwa sasa na ya kwetu iliopo pasipo kutegemea hio. I hope ww sio mmona ya watu wanaotegemea other people's money kuwekeza.
Moja usiongelee Trump pekee That's how real estate is played the world over, uliza ma-developers wakubwa wowote kama kuna anayetumia cash flow / savings zake kujenga. Hata mtu ambaye hana real estate hata moja au hana collateral hata kupata Benki mkopo ni ngumu kwahio hata wewe mwenye nyumba yako moja uliyopangisha ikakufanya ujenge ya pili kwa kutumia rent za hao watu ni Other's People's Money (Ndio maana nikasema haujaelewa essence ya Other People's Money)Trump alizaliwa kwenye utajiri sana na babake teari alikuwa na real estate nyingi sana.. sasa ww mfano kama hauna hata real estate za maana halafu eti unategemea other people's money
Ndio hapo tunarudi kwenye mwanzo wa huu uzi na jibu langu la kwanza; kutokujenga kwangu hakuzuii mimi kujua kanuni au Real Estate Business inavyochezwa, wala kushindwa kwangu kujenga au kutokuwa a Big Real Estate Developer au kuweza ku-smell a Property Gold Mine hakukufanyi wewe kushindwa..., na mimi kushindwa wewe kuweza haipaswi iniletee mimi pressure au kunipa pole (huko ni kupeana msongo wa mawazo ambako hakuna tija) We are not all Property Gurus and we can't all have Property for people to rent ( wapangaji watatoka wapi)...., The only institute which can guarantee affordable housing for all ni state (kwa kutumia ruzuku)UTAZEEKA BADO UNAISUBIRI TU NA HAUJAJENGA HATA KITU CHA MAANA. Pole sana