11/08/2023

Ababolekisi bemali-mboleko yokwakha badlala indima ebalulekileyo ekwenzeni ikhaya lamaphupha akho libe yinyani.Aba babolekisi bakhethekileyo babonelela ngemali efunekayo yokwakha indlu ukusuka phantsi ukuya phezulu okanye uhlaziyo olukhulu.Ukuba ucinga ngeprojekthi yokwakha, esi sikhokelo sibanzi siya kukunceda uqonde ihlabathi lababolekisi bemali-mboleko yokwakha kunye nendlela yokukhetha echanekileyo kwiimfuno zakho.

Ukuqonda iiMali-mboleko zoKwakha

Imali-mboleko yokwakha yimali-mboleko yexesha elifutshane eyilelwe ngokukodwa ukuxhasa ulwakhiwo lwendlu entsha okanye uphuculo olukhulu lwekhaya.Ngokungafaniyo nokubambisa ngokwemveli, ezi mboleko zineempawu ezizodwa:

• Ixesha elifutshane: Iimali-mboleko zokwakha ziqhelekile ixesha elifutshane, kunye nexesha elingangonyaka okanye ngaphantsi, apho usakha okanye uhlaziya ipropati.
• Iintlawulo ezinenzala kuphela: Ngexesha lokwakha, unokufuna ukwenza iintlawulo zenzala kwimali-mboleko.Isixa-mali esiyintloko siyafuneka emva kokuba ulwakhiwo lugqityiwe.
• Inkqubo yokuzoba: Ababolekisi basoloko besebenzisa inkqubo yokutsalwa, apho bakhupha imali ngokwezigaba njengoko kuhlangatyezwana nemilinganiselo yokwakha.Oku kunceda ekuqinisekiseni ukuba iimali zisetyenziselwa injongo yazo.

Izibonelelo zeeMali-mboleko zoKwakha

Iimali-mboleko zokwakha zibonelela ngeenzuzo ezininzi:

• Ukwenza ngokwezifiso: Unokwakha ikhaya lamaphupha akho okanye uguqule ipropathi esele ikho ukuze ihlangabezane neenkcukacha zakho.
• Ulawulo: Unolawulo oluthe kratya kwinkqubo yokwakha, ikuvumela ukuba ujonge iprojekthi kwaye uqiniseke ukuba iyahlangabezana nolindelo lwakho.
• Ugcino lwenzala: Ngeentlawulo-nzala kuphela ngexesha lokwakha, ungakwazi ukonga kwiindleko yenzala xa kuthelekiswa nemali yokubambisa yemveli.

Ukufumana uMboleki weMali-mboleko yoLwakhiwo oluLungileyo

Ukukhetha umbolekisi wemali mboleko yokwakha efanelekileyo kubalulekile kwimpumelelo yeprojekthi yakho.Nanga amanyathelo abalulekileyo ekufuneka uwaqwalasele:

1. Phanda kwaye uthelekise ababolekisi

Qala ngokuphanda ababolekisi bemali-mboleko yokwakha kwindawo yakho.Thelekisa imigaqo-mboleko yabo, inzala kunye neentlawulo.

2. Uthethwano lweNgcali

Cinga ngokusebenza kunye ne-mortgage broker okanye umcebisi onamava kwiimali-mboleko zokwakha.Banokukunxulumanisa nababolekisi-mali abaziingcali kolu hlobo lwenkxaso-mali.

3. Udumo kunye namava

Khetha umbolekisi onodumo oluqinileyo kunye namava kwimboleko yokwakha.Ukufunda uphononongo kunye nokufuna iingcebiso kunokubonelela ngeembono ezixabisekileyo.

4. Imigaqo yeMali-mboleko

Uphonononge ngononophelo imiqathango yemali mboleko yokwakha.Qonda izinga lenzala, ishedyuli yokuhlawula, kunye nayo nayiphi na imirhumo ebandakanyekayo.

5. Inkqubo yokuzoba

Xoxa ngenkqubo yokutsalwa kwabo banokuba ngababolekisi.Qinisekisa ukuba uyayiqonda indlela imali eza kukhutshwa ngayo ngexesha lokwakha kwaye ihambelana neemfuno zeprojekthi yakho.

Ukuqukumbela

Ababolekisi bemali mboleko yokwakha ngamahlakani akho ekuguquleni ikhaya lamaphupha akho libe yinyani.Ezi mboleko zikhethekileyo zibonelela ngokuguquguquka, ulawulo, kunye nokonga okunokubakho kwenzala.Nangona kunjalo, kubalulekile ukwenza uphando olucokisekileyo, ufune iingcebiso zengcali, kwaye ukhethe umbolekisi onodumo oluqinileyo kunye namagama afanelekileyo.Ngombolekisi wemali mboleko yokwakha echanekileyo, unokuqalisa iprojekthi yakho yokwakha ngokuzithemba, usazi ukuba unenkxaso yemali yokwenza ikhaya lamaphupha akho libe yinyani.

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.