In/Inhmun Lei Duh tana Hriat Chi!

Mizoram Real Estate chungchang, Zawlbuk nen hriat pawlh chi loh. Anni business run dan nen chuan ka soi tum a dang daih!. Khawvel hi ka ramhlun tur anilo, nakinah chatuan in (vanram) ka la chang mai dawn ani tih vanga Inhmun neilo ni chuanglo, rosum vanga la neilo hian Inhmun lei chungchang kan sawi daih ange.

Mizoram-a inhmun kan lei dan thin leh kan la lei dan tur ni zela ngaih theih, ‘an thenawm te pawn chute zat chuan an hralh’, ‘an chhungkaw in rochun zel anih sia, a to viau mai thei’ etc. a chhan a tam thin map map khawp mai. A chhut dan fair tak, dik leh ril em chu nilo mahse innghah nana hman tlak takin chhut chhin ang.

A chhut danah hian 2 a awm:

1. Capitalization Method: He method hi chu mahni luah atan liau liau-a lei nilo, inluah man beisei vanga lei (Investment chi khat) a ni. Mizoram-ah a flat khat emaw flat 2 emaw chauha in lei a awm meuh loh avangin applicable chiah lo mai thei, mahse kan la hmang ve don chiangkuang. Inluah man atrangin kumtin/thlatin engzat nge a ron deh chhuah ang, kan in lei atrang khan ?

A pawisa ron dehchhuah tur hi Bank ho interest pek thin nen teh chhin ila. Achhan chu kan lei tum na zat khan anphal kher lo thei, or kan leina sum zat chiah khan Interest kan hmu tha thei bawk Bank atrangin. Bank hian kumtin 8% vel an return thin a. Anih kan in/flat lei tur khan kumtin Rs.1,00,000/- a ron dek chhuak-a(inluah man atrangin), Bank Interest nena kan tehkhin don chuan sem keuh roh. (e.g. 1,00,000/8%). Heta a chhuak hi I pawisa hman tur, In lei nana I dawnna tur zat a ni.

Inluah man hi thlatin kaw (Flat) khatah Rs.2000 ni ta se, kaw thum alo a awm ta bawka, thlatin Rs.6000 a ron lut ta a ni. Chuan a kum khat ang zawng chuan Rs.72,000/- a ron return. He In (flat 3 nei, flat khatah Rs.2000 zel thlatin luah man) hi I lei ngamna zat tur chu (72,000/8%) ; Rs.9,00,000/-

Anih Rs.9,00,000/- hian he in hi lei an phal angem? Phal ka ring chiah lo (Aizawl bik-ah chuan) Engtin nge I tih tak ang? Kal la tisual leh tawh suh tih ang deuh khan Dawn duh toh suh, kal la Bankah va dah hmak mai rawh. A hlawk fee zok. (A chhut dan kim ah phei chuan repair man, Insurance lakna man, Inluah tu awm loh changa luah man kan loss theih etc. an deduct leh vek thin)

2.Discounted Cash Flow Method: He method hi a harsat hmel angreng, a hming atrang hi chuan. A harsa hranlo, chhiar rawh. Hemi method hmang hi chuan a luah man ringot kha chhut toh lovin, amah in leh a hmun hlut-na pung tur nen an chhut tel toh. Anih chuan I in lei kha tun atranga kum 10 hnu ah a let khat velin I hralh theih toh mai thei, anih loh pawh a let chanve talin….

In luah man a ron deh chhuah tur hi chu awlsam takin kan hre thei mai, mahse In leh a hmun hlut-na pung tur zat hi a buaithlak deuh. A chunga ka sawi tak a trang khian teh chhin ila (Kum 10 hnu-ah a let in).

Bank ho interest pek thin atrang bawk khan kan teh leh ang. In luahman atrang khian kumtin Rs. 72,000 a ron dek chhuak a. Hemi luahman pe thei dawnna/leina zat tur kan chhut phot ang. Ka sawi toh kha sem mai tur; 72,000/8% = 9,00,000/-.

Chuan amah inhmun ngei hlutna(Value) kha a lo sang tel ta bawk a, ahma a kan sawi kum 10 hnu-ah a let-in a lo pung ta se (miz. Insurance agents hovin kum 3-ah a let-a pung an tih kha chu hnai lo nasa mai). Tun atranga kum 10 hnu-ah I In lei tum, thlatin kawkhat luah man Rs.2000 pe thei, kaw thum awm bawk kha Rs.20,00,000 velin hralh theih I inring ta a. kum 10-ah a leta a pun miau chuan tunah I pekzat tur/ dawnna zat tur chu Rs.10,00,000/-

Chuan a hlut-na hrim hrim khi Rs. 10,00,000/- ani, mahse amah in atrang khan income dang (luah man) a lo dek chhuak bawka, chuti anih chuan a pahnih belhkhawm khi I leina/dawnna zat tur. (10,00,000 + 9,00,000) = 19,00,000/-

Hei hian dawn I tum ta a, anla phallo cheu em hemi zat hian? Lei lul suh, bank-ah dah keuh zok la, chuan nakin kum 10 hnu ah chuan a aia thra poh I lei thei zok mai thei a sin. Anih loh pawn rent mai la, lei kher lovin, (rent I pe chung hian ila hlawk zok thei hle) sum tamtak I khawlkhawm thei zok don si a. Mahni hminga in neih ve hrim hrim hi ka lungkham ber ani I tih chuan I thu ber, tu sawiphak mah va ni suh.

Hemi a chunga ka chhut dan khi a local ang reng! Kum 10 a aleta pung tih tawp poh I ti mai thei, or In kan lei loh chuan luahman kan pe reng tho sia…) kumtin thil man pun chak dan (Inflation basis) pawn a chhut theih. Tin, luahman lo pe pawh ni la, I pek ang zat chiah kha I lei hnu-ah pawh I beisei theih ani, midang I luah tir atrangin. Inluah man lo lut leh amah inhmun hlutna lo sang ta te kha bank ho pek aiin ala hniam zok thei hle a ni.

In/inhmun I lei tum, a luah man leh amah in ngei an hralh phal na zat poh I hriat, I lei dawn em, don lo em? Bank Interest atrang tho khian compare zel tur, Awlsam taka kan pan mai theih, a hlut-na poh pung ve tho bank hi hman mawlh mawlh tur. Ziak vek lo mai ang, a thui emai nakin-a chhiar ah de de dei inti leh awm si