Iimali-mboleko zeNgxelo yeBhanki: Indlela eguquguqukayo yokufumana inkxaso-mali kwiMpumelelo yokuZiqeshela

Ukuze-qeshwaababoleki, inkqubo yesiqhelo yokubambisa inokuziva inemiqathango, isoloko ifuna imbuyekezo yerhafu engabonakalisi ingeniso yabo yokwenyani. Ngethamsanqa, iMali-mboleko yeNgxelo yeBhanki ibonelela ngendlela entsha, eyilelwe ngokukodwa abo babolekayo abazisebenzelayo abafuna ukugqitha loo miqobo. Ngaphandle kweembuyekezo zerhafu ezifunekayo, le mali mboleko ixhomekeke kwiisiteyitimenti zebhanki ukubonisa ingeniso yakho, iyenza ibe lukhetho olubalaseleyo kubanini bamashishini kunye nabasebenza ngokuzimeleyo ngokufanayo. Imali-mboleko yeNgxelo yeBhanki ijika ubunyani bakho bezemali ibe lithuba lokubambisa.

Ngokungafaniyo nemali-mboleko eqhelekileyo, iMali-mboleko yeBhanki isebenzisa iinyanga ezili-12 zeengxelo zebhanki—ezomntu okanye ishishini—ukubala umvuzo wakho. Le ndlela igcweleyo ye-doc itsiba ngokupheleleyo imbuyekezo yerhafu, nto leyo isiqabu kubaboleki abaziqeshileyo abaxhuzulwayo lwabo lusenokucutha umvuzo wabo oxeliweyo. Nokuba uyathumela1099iifom njengokontraka okanye uqhuba ishishini elincinci, i-Bank Statement Loans igxininisa ekuhambeni kwakho kwemali, hayi nje amaphepha akho erhafu. Sisisombululo esisebenzayo, esipheleleyo sedoc esilungiselelwe iimfuno zababoleki abazisebenzelayo.

Eyona nto ibeka iNkcazo yeBhanki yeMali-mboleko kububele babo kumlinganiselo wamatyala ukuya kwingeniso. Iimali-mboleko zemveli zihlala zingabamkeli abafaki-zicelo xa i-DTI yabo ifikelela kuma-50%, kodwa iiMali-mboleko zeNgxelo yeBhanki zamkela i-DTI engaphaya kwama-50%. Oku bhetyebhetye bubomi kubaboleki abaziqeshileyo abajongana notyalo-mali lweshishini kunye nemali yobuqu, nto leyo ebonisa ukuba i-DTI ephezulu ayithethi ukuba awukwazi ukuyiphatha imali-mboleko. Nge-DTI engaphaya kwe-50% yamkelwe, le mveliso iyaziqhelanisa nemeko yakho eyodwa.

Iinzuzo azipheli apho. Isiteyitimenti seBhanki Imali mboleko isukela kwi-150,000 yeedola ukuya kwi-3.5 yezigidi zeedola kunye nokuthengwa kwenkxaso, ukuphuma kwemali, okanye ukubuyisela imali kumakhaya aphambili, iipropati zeeholide, okanye iirenti-neendawo ezingenawaranti. Uya kudinga amanqaku ekhredithi angama-660, kwaye ukhetho lubandakanya ireyithi emiselweyo yeminyaka engama-30 okanye isicwangciso seNzala Kuphela. Ababoleki abazisebenzelayo banokuvala phantsi kweshishini, kwaye akukho mbuyekezo yerhafu efunekayo kugcina inkqubo igudile.

Nokuba ukhe wajongana nezithintelo ezinje ngokutshona okanye ukuthengiswa okufutshane, iiMali-mboleko zeBhanki ziyindlela yokukhetha emva kweminyaka emithathu. Indlela ka-1099 isebenzela abasebenzi abazimeleyo, yandisa indlela yokufikelela. Ngokubeka phambili iziteyitimenti zebhanki kunye nokwamkela i-DTI engaphezulu kwe-50%, i-Bank Statement Loans ixhobisa ababoleki abazisebenzelayo ukuba bafumane inkxaso-mali ebonisa impumelelo yabo yehlabathi lokwenyani. Ukuba ukulungele ukuqhubela phambili ngaphandle kwengxaki yokubuyisela irhafu, oku kunokuba sisisombululo sakho esifanelekileyo.