10/18/2023

Ababolekisi kwihowulesileli badlala indima ebalulekileyo kwishishini lemali yokubambisa, besebenza njengabalamleli phakathi kwee-brortgage brokers kunye namaziko abonelela ngemali.Abarhwebi, njengabathabathi nxaxheba ababalulekileyo kule nkqubo, bahlala besabelana ngezimvo ezixabisekileyo ngobungqina obumalunga namava abo kunye nababolekisi ngemali.Kweli nqaku, siza kugocagoca ngokubaluleka kobungqina bomthengisi, sijonge into abayityhilayo malunga nababolekisi bevenkile kunye nefuthe kumhlaba wokubambisa.

Ukuqonda ababolekisi ngeWholesale

Ababolekisi ngevenkile basebenza ngokunikezela ngeemveliso zokubambisa kubarhwebi bezindlu ngexabiso elikhulu.Ii-mortgage brokers ke zisebenza ngokuthe ngqo nababoleki, befumana imali-mboleko kwaba babolekisi ngehoseyile.Le modeli yeshishini ivumela abarhwebi ukuba bafikelele kuluhlu lweemveliso zemboleko kunye namazinga okhuphiswano, ukukhulisa amandla abo okuhlangabezana neemfuno ezahlukeneyo zababoleki.

Ukubaluleka kobungqina bomrhwebi

Ubungqina bomrhwebi bunikezela ngeeakhawunti ezizibonelayo zokunxibelelana nababolekisi ngevenkile.Obu bungqina bubonelela ngembono eyodwa kubudlelwane bomboleki-mali, bukhanyisela imiba eyahlukeneyo efana nale:

1. Unxibelelwano kunye nokuphendula

Ubungqina buhlala buqaqambisa impumelelo yonxibelelwano phakathi kwabarhwebi kunye nababolekisi beevenkile ezinkulu.Abarhwebi bayabaxabisa ababolekisi abaphendulayo, ababonelela ngohlaziyo olungexesha kunye nokujongana nemibuzo ngokukhawuleza.Ubungqina obuhle buhlala bugxininisa ukubaluleka kwentsebenziswano kunye nentsebenziswano yonxibelelwano.

2. Iintlobo ngeentlobo zeeMveliso zeMali-mboleko

Ababolekisi kwihowulesile bayahluka kwiintlobo ngeentlobo zeemveliso zemboleko abazinikezelayo.Ubungqina bomrhwebi buhlala buchaphazela ukwahluka kweendlela mboleko ezikhoyo, zibonisa ababolekisi ababonelela ngoluhlu olubanzi lweemveliso.Oku kubalulekile kubathengisi abafuna ukuba bhetyebhetye ukuhlangabezana neemfuno ezithile zabathengi babo.

3. Amaxabiso kunye neMiqathango yoKhuphiswano

Amaxabiso akhuphisanayo kunye namagama avumayo zizinto ezibalulekileyo kubathengisi xa ukhetha ababolekisi ngevenkile.Ubungqina buhlala buqaqambisa ababolekisi ababonelela ngemibandela enomtsalane, evumela abathengisi ukuba bafumane iintengiselwano ezifanelekileyo kubathengi babo.Lo mba ubalulekile kwisakhono somthengisi sokuhlala enokhuphiswano kwimarike.

4. Ukusebenza ngokufanelekileyo kwiNkqubo yeMali-mboleko

Ukusetyenzwa kakuhle kwemboleko ngumxholo oqhelekileyo kubungqina bomthengisi.Ababolekisi abalungelelanisa ukuvunywa kwemali mboleko kunye nenkqubo yenkxaso-mali bafumana ingxelo eyakhayo.Abarhwebi bayabaxabisa ababolekisi ababeka phambili ukusebenza kakuhle, okubavumela ukuba babonelele ngamava alula kubathengi babo.

5. Ukwakha ubudlelwane

Ubungqina buhlala bubonisa ukubaluleka kokwakhiwa kobudlelwane phakathi kwee-broker kunye nababolekisi bevenkile.Ababolekisi abakhuthaza ulwahlulelwano oluqinileyo, olunentsebenziswano kunye nabarhwebi banokufumana indumiso kubungqina.Ukwakha ukuthembana kunye nobudlelwane kunegalelo kubudlelwane obunemveliso nobunempumelelo bokusebenza.

Ukuxhasa ubungqina kwizigqibo ezinolwazi

Kubathengi abafuna ukuboleka imali kwivenkile ethengisa izinto ezithe kratya, ubungqina bomrhwebi yindlela ecwangcisiweyo.Qwalasela la manyathelo alandelayo:

1. Uphando kunye nothelekiso

Phanda ababolekisi bevenkile kwaye uqokelele ubungqina bothelekiso olunolwazi.Jonga iipateni kwingxelo ukuchonga ababolekisi ngophononongo oluhle olungaguqukiyo.

2. Qhagamshelana noontanga kunye neeNgcali zoShishino

Ukubonisana noontanga kunye neengcali zoshishino kunokunika ulwazi olongezelelweyo.Uthungelwano phakathi koluntu lwe-mortgage luvumela abarhwebi ukuba baqokelele iingcebiso kunye namava obuqu.

3. Ukusebenzisana ngokuthe ngqo nababolekisi

Bandakanya ngokuthe ngqo nababolekisi ngehoseyile.Sebenzisa ubungqina njengesiseko semibuzo malunga neenkqubo zabo zonxibelelwano, ukunikezelwa kwemveliso, kunye nendlela epheleleyo yobudlelwane bomthengisi.

4. Amaxesha oLingo kunye neNtsebenziswano eNcinane

Cinga ngokuqalisa amaxesha ovavanyo okanye intsebenziswano encinci nababolekisi abakhethiweyo.La mava asebenza ngezandla avumela abarhwebi ukuba bahlole ukuhambelana kunye nokusebenza kakuhle kwentsebenziswano.

Ukuqukumbela

Ubungqina bomrhwebi busebenza njengezixhobo ezixabisekileyo kubarhwebi beemali-mboleko abajonga imeko yababolekisi ngevenkile.Olu lwazi lunika umbono kumava oontanga, ukunceda abarhwebi ukuba benze izigqibo ezizizo ezihambelana neenjongo zabo zoshishino.Njengoko abarhwebi beqhubeka nokwabelana ngobungqina babo, ulwazi oluhlangeneyo kwishishini luyakhula, lukhuthaza uluntu lwentsebenziswano kunye nokugqwesa ekubolekeni kwezindlu.

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.