11/07/2023

Iireyithi zekomishoni ye-Mortgage Broker ngumba obalulekileyo wenkqubo yemali mboleko yendlu.Njengomboleki okanye umntu onomdla kwimarike yezindlu, ukuqonda ukuba ezi ntlawulo zisebenza njani kunokuba luncedo.Kwesi sikhokelo sibanzi, siza kuphonononga amaxabiso ekhomishini ye-mortgage broker, ukuba bayichaphazela njani imali mboleko yakho, kunye nento ekufuneka uyithathele ingqalelo xa usebenza ne-mortgage broker.

Ukuqonda amaxabiso eKhomishini yeMortgage Broker

Abathengisi bezindlu ezibolekayo badlala indima ebalulekileyo ekudibaniseni ababoleki nababolekisi.Bancedisa ababoleki ekufumaneni imveliso efanelekileyo yokubambisa, banike iingcebiso zeengcali, kwaye bancede ukukhangela ilizwe elintsonkothileyo lemali mboleko yezindlu.Ngembuyekezo yeenkonzo zabo, abarhwebi bahlawulwa ngeentlawulo zekhomishini.Nantsi into ekufuneka uyazi:

1. Indlela iiBroker ezihlawulwa ngayo

Abarhwebi bezindlu ezibolekwayo banokuhlawulwa ngeendlela ezahlukeneyo zekhomishini.Iintlobo ezimbini eziqhelekileyo zezi:

• IKomishoni ehlawulwa umbolekisi-mali: Kolu lwakhiwo, umbolekisi ubuyisela i-mortgage broker ngokuzisa umboleki.Ikhomishini idla ngokuba yipesenti yemali-mboleko.
• IKomishoni ehlawulwa ngumboleki-mali: Kule meko, umboleki uhlawula umthengisi ngokuthe ngqo.Ikhomishini inokuba ngumrhumo osicaba okanye ipesenti yemali-mboleko.

2. Impembelelo kubaboleki

Iireyithi zekomishoni ye-mortgage broker zinokuba nefuthe kubaboleki ngeendlela ezininzi:

• Iindleko: Ngokuxhomekeke kwisakhiwo sekhomishini, ababoleki banokuthwala iindleko ngokuthe ngqo okanye ngokungathanga ngqo.Kubalulekile ukuqonda ukuba ikhomishini inokulichaphazela njani lonke ixabiso lemali mboleko yakho.
• Iinketho zokuboleka imali: Abanye abarhwebi banokutyekela ngakumbi ekuboneleleni ngemali mboleko kubabolekisi abanamaxabiso aphezulu ekomishini.Oku kunokuba nefuthe kwiimveliso zemboleko eziziswe kuwe.
• Umgangatho weNkonzo: Ngelixa iikomishoni ziyingqwalasela ebalulekileyo, kukwabalulekile ukuvavanya umgangatho wenkonzo enikezelwa ngumthengisi.Umthengisi onolwazi nozinikeleyo unokongeza ixabiso elibalulekileyo kumava akho emali mboleko yendlu.

Yintoni omawuyithathele ingqalelo xa usebenza ne-Mortgage Broker

Xa uthatha isigqibo sokusebenza kunye ne-mortgage broker, nantsi imiba ekufuneka uyiqwalasele:

1. Ukungafihli

Umthengisi ohloniphekileyo we-mortgage kufuneka acace malunga namaxabiso ekomishini yakhe.Kufuneka bachaze indlela ababuyekezwa ngayo kunye nokuba bayayifumana na inkuthazo kubabolekisi.

2. Iziqinisekiso ze-Broker

Jonga iziqinisekiso kunye neziqinisekiso ze-mortgage broker.Qinisekisa ukuba banelayisensi kwaye banegama elihle kwishishini.

3. Ubume beKhomishini

Baqonde ubume bekhomishini abayisebenzisayo.Ngaba zibhatalwa-ziboleki-mali okanye zibhatalwa?Ukwazi oku kunokukunceda uvavanye nakuphi na ukuthambekela okunokubakho kwiimveliso zemboleko abazicebisayo.

4. Uthelekiso lweMali-mboleko

Cela umrhwebi ukuba akunike uthelekiso oluneenkcukacha lweendlela mboleko, kubandakanywa inzala, imigaqo, kunye nazo naziphi na iifizi.Oku kuya kukunceda wenze isigqibo esinolwazi.

5. Umgangatho weNkonzo

Qwalasela ukuzinikela komthengisi ekuboneleleni ngenkonzo eyodwa.Ngaba bayaphendula, bayamamela, kwaye bakulungele ukuphendula imibuzo yakho?

Ukuqukumbela

Iireyithi zekomishoni ye-Mortgage broker yinxalenye esisiseko yenkqubo yemali mboleko yendlu.Ngelixa zinokuchaphazela iindleko zizonke kunye nokhetho lwemali-mboleko, akufuneki lube lolona gxininiso xa usebenza ne-mortgage broker.Ukungafihli, iziqinisekiso, kunye nomgangatho wenkonzo nazo kufuneka zibe nobunzima kwisigqibo sakho.Ngokuqonda indlela amaxabiso ekhomishini asebenza ngayo kunye nokuthatha indlela enolwazi, unokujonga imeko ye-mortgage ngempumelelo kwaye ukhusele imali-mboleko efanelekileyo kwiimfuno zakho.

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.