11/10/2023

Kwihlabathi elihlala liguquguquka lenkxaso-mali ye-mortgage, ingcamango "yemali mboleko engahlawulelwayo" iye yavela njengendlela ephawulekayo kubaboleki.Eli nqaku liphonononga ubume bababolekisi ngemali-mboleko yehoseyile engahlawulelwayo, lisikhanyisela malunga nokuba zibandakanya ntoni na ezi mboleko, izibonelelo zabo, kunye noqwalaselo lwababoleki abajonge ukuhamba kule ndlela intsha.

Ukuqonda iiMali-mboleko eziNgenaxabiso

Ziintoni iiMali-mboleko eziNgenaxabiso?

Iimali-mboleko ezingabizi, njengoko igama libonisa, yimali-mboleko apho ababoleki bafumana imali encinci okanye bangabikho ngaphambili ngexesha lokuvalwa.Ezi mboleko ngokuqhelekileyo zibandakanya ababolekisi abahlawula iindleko ezithile, ezinje ngeemali zovavanyo, i-inshurensi yetayitile, kunye neentlawulo zokuvela, ukutshintshiselana ngeqondo lenzala ephezulu kancinane kwimali-mboleko.

Ukubaluleka kweeMali-mboleko eziNgenaxabiso

Iimali-mboleko ezingabizi ndleko zinika ababoleki ithuba elinomtsalane lokunciphisa iindleko zabo eziphuma epokothweni ngokukhawuleza xa befumana imali yokubambisa.Urhwebo lubandakanya iqondo lenzala elingaphezulu kancinane kubomi bemali-mboleko, nto leyo eyenza ukuba kube yimfuneko kubaboleki ukulinganisela ugcino lweendleko zangaphambili ngokuchasene neziphumo zexesha elide zomlinganiselo wenzala.

Ababolekisi ngeMali-mboleko eNgenaxabiso

Yintoni eyahlula abaBoleki beWholeyile?

Ababolekisi kwihoyilesi bayazahlula ngokusebenza nabarhwebi bezindlu zokuhlala endaweni yokusebenza ngokuthe ngqo nababoleki.Banikezela ngoluhlu lweemveliso zemboleko, kubandakanywa imali-mboleko engahlawulelwayo, evumela abarhwebi ukuba badibanise ababoleki kunye neendlela ezilungiselelweyo zokuxhasa ngemali.

Izibonelelo zabaBolekisi behoyilesi eNgenaxabiso

1. Iindleko eziNcitshiswayo zaPhambili: Inzuzo ephambili kukuncitshiswa kweendleko zangaphambili kubaboleki.Ababolekisi bevenkile bahlala behlawula iintlawulo ezahlukeneyo, bevumela ababoleki ukuba bagcine imali abayigcinileyo okanye babele imali kwenye indawo.
2. UbuNgcali boMrhwebi: Ukusebenza ngee-brortgage brokers ezinxulumene nababolekisi ngehoseyile kunika ababoleki ukufikelela kwiingcebiso zobuchwephesha.Abarhwebi banokukhokela ababoleki ekujongeni ubucukubhede beendlela ezahlukeneyo zokuboleka imali, beqinisekisa isigqibo esinolwazi.
3. IiMveliso eziBonelekileyo zeMali-mboleko: Ababolekisi kwihoyilesi badla ngokuba noluhlu olwahlukeneyo lweemveliso mboleko, ezivumela ababoleki ukuba baphonononge izisombululo ezahlukeneyo zenkxaso-mali ngaphaya kweemali-mboleko ezingahlawulelwayo.Oku bhetyebhetye kunokuba luncedo kubantu abaneenjongo ezithile zemali.
4. Amazinga oKhuphiswano enzala: Ngelixa izinga lenzala kwiimali mboleko ezingenaxabiso linokuba phezulu kancinci, ababolekisi bevenkile bahlala bekhuphisana.Abarhwebi banokuthethathethana ngemibandela yokuqinisekisa ukuba ababoleki bakhusela iirhafu ezifanelekileyo ngaphakathi kwimeko yemali-mboleko engahlawulelwayo.

Ukuqwalaselwa kwababoleki

1. Ixesha elide vs. IiNjongo zeXesha elifutshane

Ababoleki kufuneka bavavanye iinjongo zabo zemali zexesha elide ngokuchasene neendleko zexesha elifutshane.Iimali-mboleko ezingabizi ndleko zinokubonelela ngokukhawuleza, kodwa ukuqonda ifuthe lenzala enokuba phezulu ngexesha lemali-mboleko kubalulekile.

2. Intsebenziswano ye-Broker

Ukukhetha i-mortgage broker enxulumene nababolekisi behoseyile abathembekileyo yeyona nto ibalulekileyo.Abarhwebi badlala indima ebalulekileyo ekudibaniseni ababoleki kunye neendlela ezifanelekileyo zokuboleka imali kunye nokuqinisekisa ukuthengiselana okungenamthungo.

3. IiNzala zeNzala eDynamics

Ababoleki kufuneka baqonde amandla enzala kumxholo wemali-mboleko engahlawulelwayo.Ngelixa ukonga kwangaphambili kubonakala, ukuqonda iindleko zizonke zemboleko ekuhambeni kwexesha kubalulekile ukwenza isigqibo esinolwazi.

4. Ukwahluka kweeMveliso zeMali-mboleko

Vavanya uluhlu lweemveliso zemboleko ezibonelelwa ngababolekisi bevenkile.Iimali-mboleko ezingabizi ndleko zinokungqamana neemfuno ezingxamisekileyo, kodwa ukufikelela kwiindlela ezahlukeneyo zokuboleka imali kuvumela ababoleki ukuba balungelelanise imali yabo ngokweemeko eziguqukayo.

Ukuqukumbela

Ababolekisi bempahla ebolekiweyo abangabizi ndleko banika ababoleki ithuba elinyanzelisayo lokunciphisa iindleko zangaphambili xa bengena kwindawo yobunini-khaya.Njengoko ababoleki bephonononga le ndlela, kubalulekile ukwenza ulungelelwano phakathi kogcino-mali olukhawulezileyo kunye nefuthe lexesha elide lenzala.Ukusebenzisana nabarhwebi bezindlu abanolwazi abanxulunyaniswa nababolekisi ngevenkile abathembekileyo kuqinisekisa ukuba ababoleki banokujonga kulo mhlaba uvelisayo ngokuzithemba kwaye benze izigqibo ezizizo ezihambelana neenjongo zabo zemali.

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.