Ukujonga Iinkqubo zeMali-mboleko ezilungiselelwe abantu abaziqeshileyo

Kubantu abazisebenzelayo abafuna iindlela zokufumana inkxaso-mali, ubume benkqubo yemali-mboleko buguquguquka kwaye bulungiselelwe ukulungiselela iimeko zezimali ezizodwa zabo bazisebenzelayo.Kwesi sikhokelo sibanzi, siza kuphonononga kwiinkqubo mboleko ezahlukeneyo ezenzelwe ngokukodwa ababoleki abazisebenzelayo, sikhanyisele kwiikhrayitheriya zokufaneleka, izibonelelo, kunye nokuqwalaselwa kwabo bajonga imeko yezemali yoshishino.

Ukuqonda iDynamic yokuziQeqesha

Ukuziqesha kunika intaphane yeenzuzo, ukusuka ekubeni bhetyebhetye ukuya kulawulo lomsebenzi kabani.Nangona kunjalo, xa kuziwa ekufumaneni imali-mboleko, uhlobo olungaqhelekanga lokuzisebenzela lunokubangela imingeni.Ababolekisi bemveli bahlala befuna amaxwebhu engeniso angaguqukiyo, anokuba nzima kwabo banengeniso eyahluka-hlukeneyo okanye imivuzo engaqhelekanga.

IiNkqubo eziZodwa zeMali-mboleko kwabo baziQeshayo

1. Imali-mboleko yeNgxelo yeBhanki:
   • Isishwankathelo: Iimali mboleko zebhanki zivavanya umvuzo womboleki ngokusekelwe kwiingxelo zebhanki kunamaxwebhu engeniso yemveli.
   • I-advanteji: Ilungele abantu abaziqeshileyo abanengeniso eguquguqukayo, njengoko ibonelela ngokuchaneka ngakumbi kokuhamba kwemali.
2. Imali-mboleko yeNgeniso exeliweyo:
   • Amagqabantshintshi: Imali mboleko yengeniso echaziweyo ivumela ababoleki ukuba bachaze umvuzo wabo ngaphandle kwamaxwebhu abanzi.
   • I-advanteji: Ilungiselelwe abantu abazisebenzelayo abanobunzima bokuqinisekisa ingeniso yemveli.
3. Imali-mboleko ye-Mortgage (Non-QM) yeMali-mboleko:
   • Amagqabantshintshi: Iimali-mboleko ezingezizo ze-QM azihambelani nemigangatho ye-Qualified Mortgage, enikezela ukuba bhetyebhetye ekuqinisekiseni umvuzo.
   • I-advanteji: Yenzelwe abo banemithombo yengeniso engeyiyo eyemveli okanye iimeko ezinzima zemali.
4. Iimali-mboleko zokuchithwa kwe-asethi:
   • Amagqabantshintshi: Iimali-mboleko zokuncipha kwee-asethi zithatha ii-asethi zomboleki njengomthombo wengeniso yesiqinisekiso semali-mboleko.
   • I-advanteji: Iluncedo kubantu abaziqeshileyo abanee-asethi ezinkulu kodwa umvuzo oguquguqukayo.

Ukuxhamla kwiiNkqubo zeMali-mboleko kwabo baziQeqeshileyo

1. Ukuqinisekiswa kweNgeniso eGuquguqukayo:
   • I-advanteji: Iinkqubo zeemali-mboleko ezikhethekileyo ziqwalasela iindlela ezahlukeneyo zemivuzo yabantu abazisebenzelayo, ezibonelela ngokulula ekuqinisekiseni umvuzo.
2. Ukufaneleka okomeleziweyo:
   • I-advanteji: Ezi nkqubo zandisa indlela yokufaneleka, zivumelane nabo banomvuzo onokuthi ungahambelani nemigangatho yesiqhelo yokuboleka imali.
3. Izisombululo ezenzelwe wena:
   • I-Advanteji: Iinkqubo zemali-mboleko ezilungiselelweyo zibonelela ngezisombululo ezilungelelanisiweyo, ziqaphela iimeko zemali ezizodwa zababoleki abazisebenzelayo.

Iingqwalasela kubaboleki abaziqeshileyo

1. Ukulungiselela Amaxwebhu:
   • Ingcebiso: Ababoleki abazisebenzelayo kufuneka balungiselele ngenyameko amaxwebhu, kubandakanywa neengxelo zebhanki, iimbuyekezo zerhafu, kunye nazo naziphi na iirekhodi zemali ezongezelelweyo.
2. Ukufaneleka:
   • Uqwalaselo: Ababolekisi banokubeka ugxininiso olongezelelekileyo ekufanelekeni kwetyala, ngoko ke ukugcina iprofayile yekhredithi eyomeleleyo kubalulekile kwimibandela efanelekileyo.
3. UVavanyo loZinzo lweShishini:
   • Uqwalaselo: Ababolekisi banokuhlola uzinzo kunye nokusebenza kweshishini lomboleki, okuchaphazela ukuvunywa kwemboleko kunye nemimiselo.

Ukujonga iNkqubo yeSicelo

1. Uthethwano nabaBoleki:
   • Isikhokelo: Abantu abazisebenzelayo kufuneka babandakanyeke kuthethwano oluneenkcukacha nababolekisi abanamava ekuboneleleni kwiimfuno ezizodwa zoosomashishini.
2. Ukuthelekisa iMigaqo yeMali-mboleko:
   • Isikhokelo: Kubalulekile ukuthelekisa imimiselo yeenkqubo ezahlukeneyo zemali-mboleko, uqwalasela inzala, imigaqo yokuhlawula, kunye nazo naziphi na iintlawulo ezinxulumeneyo.
3. Iingcebiso zobuNgcali:
   • Isikhokelo: Ukufuna ingcebiso kubacebisi bezemali okanye kwiingcali ngezemali mboleko ezikhethekileyo kubaboleki abazisebenzelayo kunokubonelela ngeembono ezixabisekileyo.

Ukuqukumbela: Ukuxhobisa abo Bazibolekayo abaziSebenzisayo

Iinkqubo zemali-mboleko ezenzelwe abantu abazisebenzelayo zixhobisa oosomashishini ukuba bafikelele kwizisombululo zenkxaso-mali ezihambelana neemeko zabo zemali ezizodwa.Ngokuqonda ama-nuances eenkqubo mboleko ezikhethekileyo, ukulungiselela amaxwebhu acokisekileyo, kunye nokujonga inkqubo yesicelo ngobuchule, ababoleki abazisebenzelayo banokukhusela imali abayidingayo ukuxhasa ishishini labo kunye neenjongo zabo zobuqu.Njengoko imeko yokubolekisa ngemali iqhubeleka nokuvela, ezi nkqubo zidlala indima ebalulekileyo ekukhuthazeni ubandakanyo lwemali kuluntu oluguquguqukayo nolwahlukeneyo lweengcali eziziqeshileyo.