10/18/2023

Kumhlaba oguquguqukayo wokuboleka imali kwihoseyile, ukhetho lokuqonda iqondo lokuthenga lubalulekile kubo bobabini ababolekisi kunye nababoleki.Ukuthengwa kwexabiso lentengo kubonisa indlela yobuchule kwinkxaso-mali yokubambisa, evumela ababoleki ukuba bafumane inzala encumisayo.Kweli nqaku, siza kugocagoca kubuntsompothi bokuthengwa kwexabiso kwimboleko-mali yehoseyile, sijonge ukubaluleka kwayo, iinketho ezikhoyo, kunye nefuthe kumava emali-mboleko xa iyonke.

Ukutyhila iNgcaciso yokuThengwa kweRhafu

Yintoni iRate Buydown?

Ixabiso lentengo libandakanya ukuhlawula umrhumo wangaphambili ukuthoba inzala yemali-mboleko okwethutyana.Le ntlawulo yangaphambili, edla ngokubizwa “njengokuthenga ireyithi,” yehlisa iintlawulo zenyanga zomboleki-mboleko kwiminyaka yokuqala yemboleko.Lo mbono ujikeleza ukubonelela ababoleki ngokuguquguquka kunye nokufikeleleka kwizigaba zokuqala zobunini bezindlu.

Oomatshini abaNgemva kokuThengwa kweRhafu

Amaxabiso okuthenga asebenza kumgaqo olula.Ababoleki, okanye nababolekisi, banikela ngemali ngaphambili kumbolekisi othengisa yonke into.Ngembuyekezo, umbolekisi wehoseyile uyavuma ukunciphisa izinga lenzala kwixesha elithile.Olu tyalo-mali lwangaphambili lunokubangela ukonga imali eninzi kubaboleki, okwenza ukuba ubunini-zindlu bufikeleleke kwaye bulawuleke, ngakumbi kwiminyaka yokuqala.

Iinketho ezifumanekayo kwiRate Buydowns

Ukuqonda iindlela ezahlukeneyo zokuthenga intlawulo kubalulekile kubaboleki abajonge ukwandisa imiqathango yabo yokubambisa.Nazi izicwangciso zexabiso eliqhelekileyo lokuthenga:

1. Ukuthenga okwethutyana (Amanqaku okuHlawula)

Ababoleki bahlawula isixa-mali kwangaphambili ukunciphisa izinga lenzala kwixesha elithile, ngokwesiqhelo iminyaka yokuqala yemboleko.Oku kunokukhokelela kwiintlawulo eziphantsi zenyanga ngexesha lokuthenga.

2. Ukuthenga ngokusisigxina

Ukuthenga ngokusisigxina kubandakanya intlawulo enkulu yangaphambili, ekhokelela kumlinganiselo wenzala omiselweyo osezantsi kulo lonke ixesha lemali-mboleko.Esi sicwangciso asiqhelekanga kodwa sibonelela ngolondolozo lwenzala yexesha elide.

3. Ii-Buydowns ezihlawulwa ngumbolekisi-mali

Kwezinye iimeko, ababolekisi banokufaka isandla kwixabiso lokuthenga, ngokuyinxenye okanye ngokupheleleyo.Oku kunokuba lilungiselelo lothethathethwano phakathi komboleki kunye nombolekisi.

Ukubaluleka kokuBoleka iWholesale

1. Inzuzo yoKhuphiswano kubaBoleki

Ababolekisi bevenkile ethengisa izinto ezithengisayo ababonelela ngeendlela ezinomtsalane zokuthenga bafumana ukhuphiswano.Abarhwebi bezindlu ezibolekayo banokutsala ababoleki ngokubonisa iindlela zokuxhasa ngemali ngeentlawulo ezisezantsi eziphantsi, nto leyo eyenza ukuba ubunini bezindlu buthandeke ngakumbi.

2. Ukufikeleleka kwabaBoleki

Ukuthengwa kwexabiso kwandisa ukufikeleleka kwababoleki, ngakumbi kwiminyaka yokuqala ebalulekileyo yobunini-khaya.Iintlawulo zokuqala ezisezantsi zinokunciphisa umthwalo wemali kwaye zibonelele ngegumbi lokuphefumla ngakumbi kubanini-zindlu abatsha.

3. Ukuguquguquka kwezeMali

Ixabiso lokuthenga ngexabiso libonelela bhetyebhetye kwinkxaso-mali, livumela ababoleki ukuba bahlengahlengise iimeko zabo zokubambisa ngokusekwe kwiinjongo zabo zemali kunye nezinto abazikhethayo.Oku bhetyebhetye kufaka isandla kumava obolekwayo kunye nokwanelisayo.

Ukuzulazula kwiRhafu yokuThengwa kweNqanaba: Imbono yoMboleki

Kubantu ababoleki-mali abathathela ingqalelo imilinganiselo yokuthenga, nanga amanyathelo abalulekileyo:

1. Vavanya iiNjongo zeMali

Vavanya iinjongo zakho zemali kwaye uvavanye ukuba ixabiso lokuthenga lihambelana neenjongo zakho zobunini-khaya.Qwalasela uhlahlo lwabiwo-mali lwakho kunye nezicwangciso zemali zexesha elide.

2. Qonda iMigaqo

Qonda ngokucokisekileyo imiqathango yexabiso lokuthenga, kuquka ubude bexesha lenzala encitshisiweyo, iindleko ezingaphambili, kunye naluphi na uhlengahlengiso olunokwenzeka kwixesha elizayo.

3. Dibana neeNgcali ze-Mortgage

Funa isikhokelo kwiingcali zobambisa, kuquka abathengisi kunye nababolekisi.Banokubonelela ngemibono kwiinketho zokuthengwa kwexabiso elikhoyo kwaye bakuncede wenze isigqibo esinolwazi.

4. Thelekisa uNikelo

Fumana unikezelo lweereyithi ezininzi zokuthenga kwaye uzithelekise ukuze uchonge awona magama anenzuzo.Ukuqwalasela kungekuphela nje iindleko zangaphambili kodwa kunye nokonga ixesha elide kunye nefuthe kwisicwangciso sakho sezemali sisonke.

Ukuqukumbela

Iinketho zokuthenga imilinganiselo kwimali-mboleko yehoseyile zizisa ubungakanani obuxabisekileyo kwinkxaso-mali yokubambisa, kuxhamlisa ababolekisi kunye nababoleki.Ukuqonda ubuxhakaxhaka, ukuhlola iinketho ezikhoyo, kunye nokujonga inkqubo kunye nendlela yomboleki-centric igalelo kulwazi oluthe kratya kunye nokwanelisayo lokuboleka imali.Njengoko ishishini lemali-mboleko liqhubeleka nokuvela, ukuthengwa kweemali kuhlala kusisixhobo sobuchule sokuphucula ukufikeleleka kunye nokubonelela ngezisombululo ezilungelelanisiweyo kubume obuguquguqukayo bokubolekisa ngemali.

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.