Mi Primera Inversión Inmobiliaria

 

D@ UW@DKWA @H\KWR@ÒH

@HDFG@I@AW@A BFHRKJFR P RKBWKSFR RKBWKSFR UAWA UAWA IA IA BFDUWA BFDUWA CK IA UW@DKWA UWFU@KCAC

 

........................................... ............................................. .................................... ............. 2 1. ¶Ufr quà nabkdfs kstk i`grf6 ..................... ......................................... ............................................ ................................ ..........3 3 7. Uahfrada `hdfg`i`ar`f kh Bn`ik. ................... .......................................................... .......... ; 2. Wazfhks para `hvkrt`r kh g`khks raäbks. .................................................  ......................... ....................................... ................. = 3. ¶Kh quà ckgks fijartk ai acqu`r`r uh `hdukgik6  ...   3.1. Bfhkbt`v`cac y abbksfs. ...................... ............................................ ............................................ ....................................... ................. =   3.7. Khtfrhf. ............................................ .................................................................. ............................................ ............................................ ............................ ...... >

  3.2. ¶Bfdprar kh giahbf f kh vkrck6 .............................................................. ................................................................. >   3.3. L`hahb`ad`khtf. ................... ......................................... ............................................ ............................................. .................................... .............0 0 .......................................................11 .............11 ;. Ftras lfrdas ck `hvkrt`r kh Urfp`kcacks  ..........................................   ;.1. Lfhcfs ck @hvkrs`òh @hdfg`i`ar`fs ................... ......................................... ...........................................11 .....................11   ;.7. Brfwcluhc`hm @hdfg`i`ar`f ...................... ............................................ ............................................ ...............................17 .........17  ........... 13 . Bfhbius`fhks ...................... .......................................... ............................................ ............................................ ..........................................1= ....................1= 0. Abkrba ck Wuv`x .................... ........................................... ............................................. ............................................ ............................................ ...........................1> .....1> 15. Wklkrkhb`as ....................

 

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¶UFW Q[À NABKDFR KRSK I@GWF6

urahtk ifs úit`dfs añfs nkdfs ayucacf a dás ck ;55 bi`khtks a rkai`zar su pr`dkra bfdpra `hdfg`i`ar`a, kh ia dayfräa ck ifs basfs khlfbacfs kh ia `hvkrs`òh, y kh

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atrkvkh a car ki pasf ck acqu`r`r uha prfp`kcac, pr`hb`paidkhtk, pfrquk cksbfhfbkh ifs aspkbtfs a kvaiuar ai dfdkhtf ck `hvkrt`r kh uh `hdukgik y ias vkhtajas quk flrkbk ia

ftrfs basfs bfdf ia v`v`khca ckfih`t`va para cksarrfiiar su prfykbtf ck v`ca. Aimuhfs ck hukstrfs bi`khtks nah anfrracf dás ck $75.555.555 kh ia bfdpra ck su `hdukgik mrab`as a ias rkbfdkhcab`fhks quk iks nkdfs khtrkmacf. Ftrfs, nah kv`tacf rkai`zar bfdpras duy pfbf atrabt`vas a prkb`fs kikvacfs, quk a iarmf piazf nug`kskh alkbtacf hkmat`vadkhtk ia rkhtag`i`cac ck su `hvkrs`òh `hvkr s`òh y ki `hbrkdkhtf ck su patr`dfh`f.

`hvkrs`òh `hdfg`i`ar`a bfh rkspkbtf a ftrf t`pf ck `hvkrs`fhks.

Uksk a ifs gkhkfib`fs quk ia `hvkrs`òh `hdf-

Kh kstas pám`has tratarkdfs ck khtrkmar aimuhas rkbfdkhcab`fhks para rkai`zar uha `hvkrs`òh `hdfg`i`ar`a ck dahkra `htki`mkhtk. Kspkradfs quk kstfs bfhskjfs y rkbfdkhcab`fhks s`rvah para quk pukcas tkhkr uha dkjfr bfdprkhs`òh ck ifs labtfrks a kvaiuar ai dfdkhtf ck bfdprar uh `hdukgik, y ck ifs gkhkfib`fs quk pukck tkhkr ia `hvkrs`òh `hdfg`i`ar`a bfdf uha aitkrhat`v aitkrhat`va a para `hbrk-

g`i`ar`a flrkbk, dubnas pkrsfhas aúh hf sk

dkhtar tu patr`dfh`f.

 

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UAHFWADA CK IA @HC[RSW@A @HDFG @I@AW@A 󰀷 KH BN@IK ksck nabk uh t`kdpf, ki pahfrada ck ia `hcustr`a `hdfg`i`ar`a kh Bn`ik na cacf dukstras bfhbrktas ck brkb`d`khtf y kstag`i`cac. Ck nkbnf, sk kst`da quk para ki pkr`fcf 751 d`iifhks). Ksta dukstra ck brkb`d`khtf sk kxpi`ba pfr var`as razfhks, khtrk ias quk ckstabah:

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Kh if quk a v`v`khcas sk rkfikrk, iukmf cki tkrrkdftf cki 7= ck lkgrkrf ck 7515 ki vaifr ck ias basas y ckpartadkhtfs kxpkr`dkhtò uh audkhtf pfr bausa cki tkdfr a v`v`r kh aitura kh ia zfha bkhtrai cki paäs.

Iukmf ck ia tramkc`a, Bn`ik kxpkr`dkht kxpkr`dkhtò ò uh lukrtk brkb`d`khtf kbfhòd`b kbfhòd`bf, f, pr`hb`paidkhtk curahtk ki pkräfcf 7515-7512.

Mrab`as ai gffd ck ia `hcustr`a d`hkra, ki buai sk kxt kxtkhc`ò khc`ò nasta ki añf 7512, ki skbtfr `hdfg`i`ar`f sk v`f lavfrkb`cf, lavfrkb`cf, kspkb`aidkhtk kh ia zfha bkhtrf y hfrtk cki paäs _7T.

Ia kikvaca ckdahca pfr arr`khcfs y ia ksbaskz ck tkrrkhfs kh ia Wkm`òh Dktrfpfi`taha mkhkrò uh audkhtf kh ki vaifr, tahtf cki sukif bfdf ck ias prfp`kcacks ya kc`fibacas.

Ia Wklfrda Sr`gutar` Sr`gutar`a a aprfgaca kh skpt`kdgrk ck 7513, y dfc`fibaca pfstkr`frdkhtk kh lkgrkrf cki 751% y 3,1%. Ufr ftrf iacf, ifs bràc`tfs pfr dfhtfs dkhfrks ckgkräah khtrkmar uh BAK ck khtrk uh 3,1% y uh 3,2%. Bfhs`ckra kstas b`lras ai dfdkhtf ck v`s`tar ias c`st`htas `hst`tub`fhks fihahb`kras. UWFC[BSFR AC@B@FHAIKR R` ai dfdkhtf ck sfi`b`tar uh bràc`tf n`pftkbar`f hf krks bi`khtk ck ia `hst`tub`òh fihahb`kra, prfgagikdkhtk tk flrkbkráh uh o`t ck prfcubtfs, quk sukik `hbiu`r: bukhta bfrr`khtk, tarjkta ck bràc`tf y iähka ck bràc`tf. Wkv`sa bu`cacfsadkhtk ifs bfstfs asfb`acfs a kstfs prfcubtfs, pfrquk kh aimuhfs basfs pukckh skr s`mh`fibat`vfs. Bfdf `hbkht`vf ac`b`fhai aimuhas `hst`tub`fhks flrkbkh kstfs prfcubtfss s`h bfstf pfr ki pr`dkr añf. prfcubtf

󰀻 FSWAR LFWDAR CK @H\KWS@W KH UWFU@KCACKR a lfrda dás bfdúh ck `hvkrt`r kh prfp`kcacks ks a travàs ck ia bfdpra c`rkbta ck uh `hdukgik, s`h kdgarmf, kx`st kx`stkh kh ftras aitkrhat`vas quk pukckh kh khtrkmar trkmar rkhtag`i`cacks s`d`iarks f supkr`frks a ia bfdpra c`rkbta. Kh ksta skbb`òh prkskhtadfs cfs ck ksas aitkrhat`vas:

I

󰀻.󰀱. LFHCFR CK @H\KWR@ÒH @HDFG@I@AW@FR Ifs lfhcfs ck `hvkrs`òh `hdfg`i`ar`a sfh uh t`pf ck lfhcf ck `hvkrs`òh, buyf fgjkt`vf ks ia fgtkhb`òh ck uha rkhtag`i`cac para sus apfrtahtks a part`r ck ia `hvkrs`òh `hdfg`i`ar`a. Bfdf tfcf lfhcf ck `hvkrs`òh, sk bfhst`tuyk bfh uh patr`dfh`f quk kstá `htkmracf pfr ki apfrtk ck ias pkrsfhas haturaiks f juräc`bas (apfrtahtks) quk `hmrksah ai lfhcf. Ki lfhcf, ks acd`h`stracf acd`h`stracf pfr uh tkrbkrf tkrbkrf (ia acd`h`stracfra) a bukhta y r`k r`ksmf smf ck ifs apfrtahtks. Ias acd`h`stracfras bfgrah uha bfd`s`òh ck acd`h`strab`òh pfr dahkjar ki lfhcf. Mkhkraidkhtk, ksta bfd`s`òh t`khk uh bfdpfhkhtk fijf, ki buai ks bfhfb`cf ck ahtkdahf, y uh bfdpfhkhtk var`agik kh luhb`òh ck ia rkhtag`i`cac y àx`tf cki lfhcf.

 

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Aimuhfs lfhcfs ck `hvkrs`òh `hdfg`i`ar`a sk khlfbah kh ia mkhkrab`òh ck uh c`v`ckhcf a travàs cki arr`khcf ck ias prfp`kcacks, kstfs lfhcfs sk sukikh bfhfbkr bfdf ’Lfhcfs ck Uiusvaiäa—. Ftrfs lfhcfs sk khlfbah kh ki cksarrfiif `hdfg`i`ar`f, ks ckb`r, kh ia gúsqukca ck uh tkrrkhf, ia bfhstrubb`òh ckisk `hdukgik y ia pfstkr`fr vkhta, kstfs lfhcfs bfhfbkh bfdf ’Lfhcfs ck Cksarrfiif—. Ifs Lfhcfs ck Cksarrfiif `hdfg`i`ar`f sukikh tkhkr uha curab`òh khtrk 7 y ; añfs. Kh ki basf ck ifs Lfhcfs ck Uiusvaiäa, mkhkraidkhtk t`khkh uha curab`òh `hckfih`ca k `hv`krtkh kh var`as prfp`kcacks s`duitáhkadkhtk para c`vkrs`fibar ki r`ksmf ck vabahb`a. [h aspkbtf duy rkikvahtk rkikvahtk a bfhs`ckrar ai dfdkhtf ck `hvkrt`r kh uh lfhcf `hdfg`i`ar`f ks ia kstf ks, bfh quà rap`ckz y lab`i`cac ski`qu`ckz, pukck rksbatar ia `hvkrs`òh rkai`zaca. Ufr if mkhkrai, ks hkbksar`f kspkrar khtrk uhfs 2 a ; añfs a quk tkrd`hk ki lfhcf para rksbatar ki bap`tai `hvkrt`cf y ki rktfrhf. Ia úh`ba aitkrhat`va para rkbupkrar ki bap`tai ck lfrda aht`b`paca ks vkhckr ias buftas cki lfhcf, pkrf para ksf sk ckgk khbfhtrar uh bfdpracfr quk kstà c`spukstf a acqu`r`r ksas buftas, if buai hf sukik skr aimf ráp`cf. Ftrf aspkbtf rkikvahtk kh kstk t`pf ck lfhcfs ck `hvkrs`òh ks quk t`khkh uha bufta ck khtraca quk pukck skr aita. Aimuhfs ck kstfs

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lfhcfs t`khkh t`khkh buftas quk supkrah ifs $15.555.555, iikmahcf `hbiusf kh aimuhfs basfs a dás ck $;5.555. $;5.555.555. 555. [ha vkhtaja ck ifs lfhcfs ck `hvkrs`òh `hdfg`i`ar`a ks quk mkhkraidkhtk sfh acd`h`stracfs pfr kdprksas bfh adpi`a kxpkr`khb`a kh ki skbtfr `hdfg`i`ar`f, ias buaiks pukckh ifmrar kbfhfdäas ck ksbaia y gkhkfib`arsk ck uha gukha mkst`òh, ksta dayfr kfib`khb`a sk tracubk kh uh dayfr rkt rktfrhf frhf para ifs `hvkrs`fh`stas. Ia rkhtag`i`cac a ia quk apuhtah ifs lfhcfs ck `hvkrs`òh `hdfg`i`ar`a ksta khtrk uh =% y uh 75% hfd`hai ahuai. Ia rkhtag`i`cac ck kstfs lfhcfs sk sukik kxprksar bfdf uh pfrbkhtajk pfrb khtajk ck rktfrhf sfgrk ia [ [L L (var`ab`òh ck ia `h﬇ab`òh), pfr kjkdpif, [L + 3% ahuai. Bfdf kh ia dayfräa ck ias `hvkrs`fhks, ia rkhtag`i`cac hf kstá maraht`zaca, y kh kstk basf ckpkhck ck labtfrks labtfrks bfdf ia vkifb`cac ck bfhstrubb`òh y vkhta, kfib`khb`a kh ia acd`h`strab`òh y labtfrks kxtkrhfs kxtkrhfs bfdf ias var`ab`fhks ck prkb`fs ck ifs `hdukgiks. Ifs lfhcfs ck `hvkrs`òh `hdfg`i`ar`a sukikh skr uha kxbkikhtk aitkrhat`va para ias pkrsfhas quk t`khkh ia bapab`cac ck anfrrf para `hvkrt`r k `hdfv`i`zar aitas sudas ck c`hkrf pfr ki pkr`fcf ck curab`òh cki lfhcf, ya quk pkrd`tkh abbkckr a rkhtag`i`cacks s`d`iarks f dkjfrks a ias quk sk fgtkhcräah bfh ia bfdpra c`rkbta ck uha prfp`kcac, y s`h tfcf ki tragajf quk `dpi`ba ki prfbksf ck bfdpra.

󰀻.󰀷. BWF]CL[HC @HM @HDFG@I@AW@F Ki tàrd`hf Brfwcluhc`hm s`mh`fiba fihahb`ad`khtf bfikbt`vf, kh ia prábt`ba, nagiadfs ck uh mrupf ck pkrsfhas quk sk uhkh para fihahb`ar bfikbt`vadkhtk uh prfykbtf. Cksck quk sk `h`b`ò ksta lfrda ck fihahb`ad`khtf nah surm`cf c`st`htas dfcai`cacks, ias buaiks sk pukckh amrupar kh buatrf mrahcks t`pfs:

 

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BWF]CL[HC@HM CK UWÀRSADFR, uh mrupf ck pkrsfhas khtrkma uh pràstadf a ftrfs pkrsfhas f a kdprksas a badg`f ck uha rkhtag`i`cac. Ki gkhkfib`f para ia kdprksa f pkrsfha quk rkb`gk ki pràstadf ks quk pukck abbkckr a dkjfrks bfhc`b`fhks ck fihahb`ad`khtf, `hbiuykhcf dkjfrks tasas, f `hbius`vk ki nkbnf ck abbkckr ai fihahb`ad`khtf buahcf hf t`khkh abbksf ai s`stkda fihahb`krf. Uara ifs `hvkrs`fh`stas, qu`khks khtrkmah ki c`hkrf kh pràstadf, mkhkraidkhtk ki gkhkfib`f ks uha dayfr rkhtag`i`cac vkrsus ftras aitkrhat`vas s`d`iarks. prfykbtf kbtf flrkbk uha rkbfdBWF]CL[HC@HM CK WKBFDUKHRAR, kh kstk basf ki cukñf cki prfy pkhsa a badg`f ck uha uh a cfhab`òh. Ias rkbfdpkhsas varäah ckpkhc`khcf cki t`pf ck prfykbt prfykbtf, f, pkrf pukckh `r cksck uha pfikra, nasta ki prfcubtf quk sk va a cksarrfiiar a part`r ck ia cfhab`òh. Kstk t`pf ck brfwcluhc`hm ks duy pfpuiar buahcf sk trata ck prfykbtfs quk t`khkh bfdf fgjkt`vf ki cksarrfiif ck uh prfcubtf, ya quk ifs part`b`pahtks mkhkraidkhtk ckb`ckh rkai`zar ia cfhab`òh a badg`f cki prfcubtf, f pfrquk iks `htkrksa quk ki prfcubtf sk cksarrfiik.

BWF]CL[HC@HM CK @H\KWR@ÒH, kh ksta dfcai`cac sk flrkbk a ias pkrsfhas quk part`b`pah cki prfykbtf, prfykbtf, uha part`b`pab`òh ck ia prfp`kcac f ia rkhtag`i`cac cki prfy prfykbtf. kbtf. BWF]CL[HC@HM CK CFHAB@ÒH, kh kstk basf ias pkrsfhas rkai`zah cfhab`fhks ai prfykbt prfykbtf f ck lfrda tftaidkhtk cks`htkrksaca, y s`h rkb`g`r h`hmúh g`kh datkr`ai a badg`f. R` g`kh ks pfs`gik khbfhtrar ftrfs t`pfs ck brfwcluhc`hm, kh mkhkrai, kstfs sk pukckh bfhs`ckrar uha var`ab`òh ck ifs ahtkr`frks, pfr kjkdpif, ki brfwcluhc`hm `hdfg`i`ar`f ks uh t`pf ck brfwcluhc`hm ck `hvkrs`òh, cfhck ki abt`vf fgjktf ck ia `hvkrs`òh ks uh `hdukgik. Kh ki basf cki brfwcluhc`hm `hdfg`i`ar`f uha kdprksa, ckhfd`haca mkstfra, skikbb`fha uhf f var`fs prfykbtfs `hdfg`i`ar`fs y sk ifs flrkbk a ifs `hvkrs`fh`stas. Ia kdprksa mkstfra iikva a bagf ifs ahái`s`s y kstuc`fs para cktkrd`har buáiks sfh ifs prfykbtfs dás prfdktkcfrks y sk khbarma ck kstrubturar ki `hstrudkhtf ikmai a travàs cki buai sk rkai`zará ia `hvkrs`òh. `hvkrs`òh. Kh Bn`ik, mkhkraidkhtk sk rrkai`kai`za dkc`ahtk ia brkab`òh ck uha Rfb`kcac pfr Abb`fhks, a ia buai `hmrksah ifs `hvkrs`fh`stas bfdf abb`fh`stas kh ia prfpfrb`òh ck sus apfrtks. [ha vkz fihai`zacf ki prfykbtf sk c`sukivk ia sfb`kcac y sk khtrkmah ifs rktfrhfs a ifs abb`fh`stas. Kh aimuhfs basfs, buahcf ki fgjktf ck ia `hvkrs`òh `hdfg`i`ar`a hf ks sfif ia mkhkrab`òh ck ut`i`cac a part`r ck ia vkhta ck ia prfp`kcac, s`hf ia mkhkrab`òh ck uh `hmrksf rkburrkhtk a

travàs cki arr`khcf, ia sfb`kcac brkaca skmu`rá travàs kx`st`khcf uha vkz fihai`zaca ia bfhstrubb`òh cki prfykbtf, y ifs gkhkfib`fs sk rkpartkh kh ia lfrda ck c`v`ckhcfs. Kh ia dayfräa ck ifs basfs, ifs prf prfykbtfs ykbtfs quk sk fihahb`ah gajf ia dfcai`cac cki brfw brfwcluhc`hm cluhc`hm `hdfg`i`ar`f sfh prfykbtfs nag`tab`fhaiks, s`h kdgarmf, tadg`àh ks pfs`gik khbfhtrar fpfrtuh`cacks para fihahb`ar ia bfhstrubb`òh y fpkrab`òh ck nftkiks y ffib`has. Ia pr`hb`pai vkhtaja cki brfwcluhc`hm `hdfg`i`ar`f ks quk sk pukck `hvkrt`r cksck dfhtfs quk sfh dubnf dkhfrks a ifs quk mkhkraidkhtk sk tkhcräah quk ckskdgfisar kh uha `hvkrs`òh `hdfg`i`ar`a trac`b`fhai. Kh Bn`ik ifs rkqukr`d`khtfs ck bap`tai kstáh kh tfrhf a ias [L35, aprfx`dacadkhtk $1.555.555. Ftra vkhtaja ks quk, cacf ifs gajfs h`vkiks ck bap`tai rkqukr`cf, pukck skr uha aitkrhat`va ck c`vkrs`fibab`òh atrabt`va para pkrsfhas quk kstáh kdpkzahcf a bfhstru`r su patr`dfh`f. Kh ki basf cki brfwcluhc`hm `hdfg`i`ar`f ifs pr`hb`paiks r`ksmfs ck `hvkrs`òh sfh cfs. Ufr uh iacf, ifs r`ksmfs prfp`fs ck buaiqu`kr `hvkrs`òh `hdfg`i`ar`a, bfdf sfh ia var`ab`òh ck

 

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ifs prkb`fs, rktrasfs kh ia kjkbub`òh cki prfykbtf, f kh ia fgtkhb`òh ck ifs pkrd`sfs quk alkbtkh ia rkhtag`i`cac cki prfykbtf, y pfr ftrf, ki tragajf quk rkai`za ia kdprksa mkstfr mkstfra a kh ia skikbb`òh, skmu`d`khtf y acd`h`strab`òh ck ifs prfykbtfs, prfykbtfs, cfhck uha daia sskikbb`òh kikbb`òh f

R` ckb`cks `hvkrt`r a travàs cki brfwcluhc`hm `hdfg`i`ar`f, tk sumkr`dfs tkhkr dubnf bu`cacf ai dfdkhtf ck skikbb`fhar ia kdprksa bfh ia buai vas a `hvkrt`r, `hvkrt`r, ya quk uha daia mkst`òh, f ki flrkb`d`khtf ck kxpkbtat`vas `rrkaiks ck rkhtag`i`cac, pukckh iikvartk a tfdar uha ck-

uha daia iamkst`òh pukckh alkbtarkhs`mh`fibat`vadkhtk rkhtag`i`cac, y pfhkr r`ksmf ki bap`tai `hvkrt`cf `hvkrt`cf..

b`s`òh f kh ki ck ifs basfs pkrckrkqu`vfbaca, partk `dpfrtahtk ckpkfr tu bap`tai.

󰀼

¶BÒDF BA IB[IAW IA W KHS KHSAG@I@ AG@I@ CAC CK [HA @H\KWR@ÒH @HDFG@I@AW@A6

ara bfhstru`r uh patr`dfh`f a iarmf piazf bfh ia `hvkrs`òh `hdfg`i`ar`a uha sumkrkhb`a v`tai ks kvaiuar duy g`kh ki vaifr cki dktrf buacracf bfhstru`cf y ia ckdahca pfr arr`khcfs kh ki skbtfr quk sk qu`krk bfdprar. Kstas cfs var`agiks, g`kh ahai`zacas, pukck nabkr uha mrah c`lkrkhb`a, ya quk ia rkhtag`i`cac kspkraca ck ia `hvkrs`òh ckpkhckrá kh mrah dkc`ca ck ia piusvaiäa, ia quk ks uha bfhskbukhb`a c`rkbta ck uh gukh prkb`f ck bfdpra.

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Kh pr`dkr iumar, ia dahkra dás s`dpik ck kvaiuar s` uha prfp`kcac kstá bara f garata ks tkhkr catfs cki prkb`f prfdkc`f ck vkhta kh uha bfduha kh part`buiar. Ufr kjkdpif, kh ia bfduhacki ck 751=, Raht`amf curahtk ki skmuhcf tr`dkstrk ki vaifr prfdkc`f para ckpartadkhtfs ks ck ;3 ,3 [L [L/D /D7 7

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Bfhs`ckrahcf if ahtkr`fr, ks `dpfrtahtk ckstabar quk ki dkrbacf na v`stf uh ikvk audkhtf kh ki prkb`f ck ias v`v`khcas hukvas. Ck ksta lfrda, d`khtras ifs ckpartadkhtfs rkm`s rkm`strar trarfh, fh, kh prfdkc`f, uh vaifr ck &@tkd`c47=0 _3T _3 T 73 Nfras. 77 ck

darzf ck 751= 751=.. Ia ftra d`raca: Hukvas iähkas 2 y < cki Dktrf lavfr lavfrkbkh kbkh a ias `hvkrs`fhks `hdfg`i`ar`as. Uugi`bacf kh: nttp://www.73nfras.bi/kbfhfd`a/ia-ftra-d`racahukvas-i`hkas-2-y-