11/15/2023

Kumhlaba ontsonkothileyo wokubolekwa kwendlu, ukuqonda iziseko zekhomishini yebroker kunye nababolekisi behoseyile kubalulekile kubo bobabini abarhwebi kunye nababoleki.Esi sikhokelo sibanzi siphonononga ii-nuances zeekhomishini zee-broker, impembelelo yazo kwinkqubo ye-mortgage, kunye nezicwangciso eziziintloko zee-brokers ukukhangela izakhiwo zekhomishini kunye nababolekisi be-wholesale ngempumelelo.

IiNjilo zoLwakhiwo lweKomishoni yeBroker

1. Inkcazo yeeKhomishini zeBroker

Iikhomishini zee-Broker zimele imbuyekezo ehlawulwe kwii-mortgage brokers ngendima yazo ekuququzeleleni imali-mboleko phakathi kwababoleki kunye nababolekisi.Ezi khomishini ngumba obalulekileyo wengeniso yomthengisi kwaye zisekelwe kwipesenti yesixa semali-mboleko.

2. Ukubaluleka koLwakhiwo lweKomishini

Izakhiwo zekomishoni zinempembelelo kwintlalo-ntle yezemali ye-broker kunye, ukongezelela, isakhono sabo sokubonelela ngamazinga okhuphiswano kunye neenkonzo kubaboleki.Ukuhamba kwezi zakhiwo kufuna ukuqonda okubanzi kweeyantlukwano ezikhoyo kwishishini.

Iiyantlukwano kuLwakhiwo lweKomishoni yeBroker

1. IiKomishoni eziSekwe kwipesenti

Isakhiwo sekhomishini eqhelekileyo ibandakanya ipesenti yemali mboleko.Abarhwebi bafumana ipesenti eqingqwe kwangaphambili, eqala ukusuka kwi-1% ukuya kwi-3%, ngokusekelwe kwixabiso lemali-mboleko.Esi sakhiwo sithe tye kwaye silungelelanisa imbuyekezo yomthengisi kunye nesikali sentengiselwano.

2. IiKhomishoni zoMrhumo oFileti

Abanye abarhwebi bakhetha ulwakhiwo lomrhumo osicaba, apho bafumana imali emiselweyo kwintengiselwano nganye nokuba ingakanani na imali mboleko.Le ndlela ibonelela ngokuqikelelwa kwingeniso kodwa isenokungabakhuthazi abarhwebi kwizivumelwano ezinkulu.

3. Ulwakhiwo lweKomishoni eQhelekileyo

Ulwakhiwo olunemigangatho lubandakanya iireyithi zekomishoni ezahlukeneyo zokwahluka kweemali-mboleko.Abarhwebi banokufumana ipesenteji ephezulu kwiimali-mboleko ezinkulu, bedala inkuthazo yokuphatha intengiselwano eninzi.

Iingqwalasela kwiiBroker

1. Uthethwano nabaBolekisi beWholesale

Abarhwebi bahlala benethuba lokuthetha-thethana nezakhiwo zekhomishini kunye nababolekisi bevenkile.Ukwakha ubudlelwane obuluqilima kunye nababolekisi kunye nokubonisa uluhlu olungaguqukiyo lweshishini kunokuxhobisa abathengisi ukuba bakhusele imiqathango yekomishini efanelekileyo.

2. IKhomishini yoLungelelaniso kunye neeReyithi zoKhuphiswano

Abarhwebi kufuneka balinganise phakathi kokufumana iikhomishini ezikhuphisanayo kunye nokubonelela ababoleki ngamaxabiso anomtsalane.Ukuqonda indlela amaqumrhu ekhomishini ahambelana ngayo nexabiso elipheleleyo lababoleki kubalulekile.

3. Ukwahluka koBudlelwane boMboleki

Ukwahluka kobudlelwane kunye nababolekisi bevenkile banokubonelela abarhwebi ngokufikelela kwizakhiwo ezahlukeneyo zekhomishini.Oku kwantlukwano akuphuculi kuphela amandla othethathethwano kodwa kukwanciphisa imingcipheko eyayanyaniswa nokuxhomekeka kumbolekisi omnye.

Impembelelo kubaboleki

1. IiPakethi zeMali-mboleko ezikhuphisanayo

Izakhiwo zekomishoni ye-Broker zinokuchaphazela ukukhuphisana kweepakethi zemboleko ezinikezelwa kubaboleki.Abarhwebi abafumana iikhomishini ezifanelekileyo bakwimeko engcono yokubonelela ababoleki ngamaxabiso anomtsalane kunye nemigaqo.

2. Ukungafihli kuNxibelelwano

Unxibelelwano oluselubala malunga neziseko zekhomishini lukhuthaza ukuthembana phakathi kwabarhwebi kunye nababoleki.Ukucacisa ngokucacileyo indlela iikomishoni ezisebenza ngayo kunye nendlela ezilungelelanisa ngayo izinto ezilungileyo zomboleki zifaka isandla kumava alungileyo omboleki.

Izicwangciso-qhinga zoLwakhiwo lweKomishoni yokuHamba

1. Fundisa Ababoleki

Abarhwebi kufuneka bafundise ababoleki malunga nendlela amaqumrhu ekomishini asebenza ngayo.Unxibelelwano oluselubala lwakha ukuthembana kwaye lunceda ababoleki baqonde ixabiso lee-brokers ezizisa kwinkqubo yokubambisa.

2. Imfundo eqhubekayo yee-Brokers

Ukuhlala unolwazi malunga neentsingiselo zeshishini kunye notshintsho kwizakhiwo zekhomishini kubalulekile.Imfundo eqhubekayo ixhobisa abarhwebi ukuba baziqhelanise neemeko zemarike eziguquguqukayo kwaye bathethathethane ngemibandela efanelekileyo.

3. Sebenzisa iziXhobo zeTekhnoloji

Ukusebenzisa izixhobo zobuchwepheshe kunye namaqonga alungelelanisa inkqubo yokuboleka imali kunokuphucula ukusebenza kakuhle komthengisi.Oku kusebenza kakuhle, kunokuthi kube nefuthe elincomekayo kwisakhono somthengisi sokuthethathethana ngeziseko zekhomishini ezifanelekileyo.

Ukuqukumbela

Iziseko zekomishoni yee-Broker ezinabo babolekisa ngeevenkile ezinkulu zidlala indima ebalulekileyo ekubumbeni ubume bokubolekisa ngemali-mboleko.Abarhwebi, bexhobe ngokuqonda okuncinci kwezi zakhiwo, banokuhamba ngendlela esebenzayo, bebonelela ababoleki ngamazinga okhuphiswano kunye namava aqinisekileyo okubambisa.Njengoko ishishini lezindlu ezithengiswayo liqhubeka nokuvela, abathengisi kunye nababolekisi ngevenkile baya kusebenzisana ukufumana iziseko zekhomishini ezihambelana nomdla wamaqela omabini, ukukhuthaza inkqubo yendalo eguqukayo nekhulayo.

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.