10/24/2023

Kwihlabathi le-real estate kunye nobunini bezindlu, elinye lawona manyathelo abalulekileyo kukufaka isicelo semali mboleko kunye nombolekisi we-mortgage.Inkqubo inokubonakala intsonkothile kwaye ichitha ixesha, kodwa ukuqonda umgca wexesha kunokukunceda ukuba uhambe kuyo ngokuzithemba.Kweli nqaku, siza kuphonononga ukuba kuthatha ixesha elingakanani ukwenza isicelo semali mboleko kunye nombolekisi wemali mboleko.

Inkqubo yesicelo

Inyathelo lokuqala ekufumaneni imali yokubambisa kukufaka isicelo kunye nombolekisi we-mortgage.Le nkqubo ibandakanya amanqanaba amaninzi abalulekileyo:

Ukulungiselela (iiveki ezi-1-2): Ngaphambi kokufaka isicelo, abo banokuba ngababoleki kufuneka baqokelele amaxwebhu ayimfuneko emali, afana ne-stubs yokuhlawula, ukubuyiswa kwerhafu kunye neengxelo zebhanki.Oku kungathatha naphi na ukusuka kwiveki enye ukuya kwezimbini, kuxhomekeke kwindlela ezicwangciswe ngayo iirekhodi zakho zemali.

UKhetho lwababolekisi (iiveki ezi-1 ukuya kwezi-2): Kubalulekile ukukhetha umbolekisi ofanelekileyo.Kuyacetyiswa ukuba uchithe ixesha uphanda ababolekisi kwaye uthelekise amaxabiso kunye nemigaqo yabo.Eli nyathelo linokuthatha iveki enye ukuya kwezimbini.

Uvumo lwangaphambili (iintsuku ezi-1-3): Nje ukuba ukhethe umbolekisi, unokucela imvume yangaphambili.Umbolekisi uya kuphonononga iinkcukacha zakho zemali kunye nembali yetyala ukuze akunike ileta yokuvunywa kwangaphambili.Le nkqubo idla ngokuthatha usuku ukuya kwezintathu.

Gcwalisa isicelo (iintsuku ezi-1-2): Emva kokuvunywa kwangaphambili, kuya kufuneka ungenise isicelo semali-mboleko esisemthethweni, esibandakanya iinkcukacha ezithe vetshe zemali.Le nkqubo inokuthatha iveki enye ukuya kwezimbini, kuxhomekeke kwimpendulo yakho ekunikezeni amaxwebhu aceliweyo.

Ukwenziwa kweMali-mboleko (iiveki ezi-1-2)

Inqanaba elilandelayo yinkqubo yemali-mboleko, apho umbolekisi ajongana nesicelo sakho aze enze uhlolo olucokisekileyo lokuba ufanelekile na ukuba uthenge ngetyala kunye nepropati oceba ukuyithenga.Eli nqanaba lingathatha iiveki ezimbini ukuya kwezine, kwaye izinto eziphambili ezichaphazela ixesha ziquka:

Ukuqinisekiswa koXwebhu (iintsuku ezi-1-2): Ababolekisi bahlolisisa amaxwebhu akho emali, imbali yengqesho, kunye neengxelo zetyala.Le nkqubo yokuqinisekisa inokuthatha iveki enye ukuya kwezimbini.

Uvandlakanyo (iiveki ezi-2-3): Umbolekisi uya kwenza amalungiselelo ovavanyo lwepropati ukuqinisekisa ixabiso layo.Eli nyathelo linokuthatha iiveki ezimbini ukuya kwezintathu kwaye lisenokuxhomekeke ekufumanekeni kwabavavanyi.

I-Underwriting (iiveki ezi-1-2): Ababhali abangaphantsi bavavanya yonke imiba yesicelo semali-mboleko, beqinisekisa ukuba iyahlangabezana nemilinganiselo yomboleki.Esi sigaba sithatha iveki enye ukuya kwezimbini.

Ukuvala (iiveki ezi-1-2)

Sakuba samkelwe isicelo sakho semali-mboleko, inyathelo lokugqibela yinkqubo yokuvala.Oku kubandakanya ukutyikitya amaxwebhu ayimfuneko kunye nokuqinisekisa ukuba kukho imali yokubambisa.Inkqubo yokuvala idla ngokuthatha iveki enye ukuya kwezimbini kwaye inokubandakanya oku kulandelayo:

ULungiselelo lwamaxwebhu (iintsuku ezi-3-5): Ababolekisi-mali balungiselela amaxwebhu emboleko ukuze uphonononge kwaye utyikitye, nto leyo ethatha iintsuku ezintathu ukuya kwezintlanu.

Ukuvala i-Appointment (iintsuku ezi-1-2): Uya kucwangcisa idinga lokuvala kunye nenkampani yetayitile okanye igqwetha ukuba lisayine amaphepha.Eli nyathelo lidla ngokuthatha usuku ukuya kwezimbini.

Inkxaso-mali (iintsuku ezi-1-2): Emva kokusayina, umbolekisi ukhupha imali kumthengisi, kwaye uba ngumnini-bhongo wekhaya lakho elitsha.Le nkqubo idla ngokuthatha usuku ukuya kwezimbini.

Ukuqukumbela, ixesha elithathwayo ukwenza isicelo semali-mboleko kumbolekisi wemali-mboleko inokwahluka kakhulu ngokuxhomekeke ekulungiseleleni kwakho, iinkqubo zomboleki, kunye nezinye izinto ezahlukeneyo.Ngelixa ixesha elibekiweyo lilonke linokuqala ukusuka kwiintsuku ezingama-30 ukuya kwezingama-60, abafaki-zicelo abakhutheleyo nabacwangcisiweyo banokugqiba inkqubo ngokufanelekileyo.

Ukuba ujonge ukufaka isicelo semali mboleko kunye nombolekisi wezindlu, ukuqonda la maxesha kunye nokulungiswa kungakunceda ukulungelelanisa inkqubo kwaye wenze uhambo lwakho lokuthenga ikhaya lube lula.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.