Ukujonga i-Mortgage Landscape: Ukufumanisa abaBolelisi abaBonelekileyo abaBonelekileyo
Kwilizwe elintsonkothileyo lokubolekisa ngemali yokubambisa, ukuchonga ababolekisi abakumgangatho ophezulu linyathelo elibalulekileyo kubathengisi abafuna amaqabane athembekileyo.Aba babolekisi badlala indima ebalulekileyo ekuboneleleni ngeemveliso zemali-mboleko ngamaxabiso akhuphisanayo, bebumba ubume bobume bee-broker kunye nabaxumi babo.Esi sikhokelo sibanzi siphonononga iimpawu eziphambili ezichaza ababolekisi abakwixabiso eliphezulu, iindlela zokwamkelwa kwabo, kwaye sinikezela ngemibono kubathengisi abajonge ukulungelelanisa neyona nto ibalaseleyo kushishino.
Ukubaluleka kwaBabolekisi beWholeyilesi abakwizinga eliphezulu
Ababolekisi behoseyile abakumgangatho ophezulu bazahlula ngokwendibaniselwano yezinto ezihambelana nabarhwebi kunye nababoleki ngokufanayo.Aba babolekisi babonwa ngokuzinikela kwabo ekugqweseni, benganikezeli kuphela amazinga okhuphiswano kodwa namava okuboleka angenamthungo nasebenzayo.
Iimpawu zokuBonelela iWholeyilesi ePhakamileyo
1. IiReyithi eziKhuphisanayo zokubolekwa kwezindlu
Embindini wababolekisi abakwixabiso eliphezulu kubuchule babo bokubonelela ngamaxabiso akhuphisanayo emali-mboleko.Aba babolekisi bayakuqonda ukubaluleka kokubonelela ngeerhafu ezinomtsalane kubarhwebi nakubaboleki, nto leyo ebenza bahlale bekhuphisana kwimarike yemali-mboleko ehlala iguquka.
2. Ukunikezelwa kweeMveliso ezahlukeneyo
Ukuguquguquka kwimveliso ekunikezelweni kolunye uphawu lwababolekisi abakwixabiso eliphezulu.Bahamba ngaphaya kweemveliso eziqhelekileyo ze-mortgage, ukubonelela ngeendlela ezahlukeneyo zokukhetha ezifana ne-mortgages yezinga elimiselweyo, i-mortgages-rate adjustable, iimali-mboleko ze-jumbo, kunye neemveliso ezikhethekileyo ezifana ne-mortgages engafanelekanga (engeyiyo i-QM).Le yantlukwano ivumela abarhwebi ukuba babonelele uluhlu olubanzi lweemfuno zabathengi.
3. ULungiselelo lweMali-mboleko olusebenzayo
Ukusebenza kakuhle ekuqhubeni imali-mboleko ngumahluli ophambili.Ababolekisi bevenkile abakwizinga eliphezulu babeka phambili inkqubo ephuculweyo nesebenzayo yokuvunywa kunye nenkqubo yenkxaso-mali.Amaxesha otshintsho okukhawulezayo awancedi kuphela abathengisi ekukhonzeni abathengi ngokukhawuleza kodwa banegalelo kumava aqinisekileyo okuboleka imali.
4. Ulwakhiwo lweNtlawulo engafihliyo
Ukwenziwa elubala kumacandelo entlawulo kubalulekile ekusekeni ukuthembana.Ababolekisi abaphezulu abakumgangatho ophezulu baziwa ngonxibelelwano lwabo olucacileyo malunga neentlawulo ezinxulumene nentengiselwano ye-mortgage.Oku kungafihli nto kuxhobisa abathengisi ukuba babonelele abathengi ngengqiqo ebanzi yeemeko zemali zemboleko yabo.
5. Unxibelelwano olusebenzayo kunye neNkxaso
Unxibelelwano lubalulekile kubudlelwane bomthengisi nombolekisi.Ababolekisi abakumgangatho ophezulu babeka phambili unxibelelwano olusebenzayo kwaye banike inkxaso ezinikeleyo kubathengisi kuyo yonke inkqubo yokubolekisa.Eli nqanaba lenkxaso likhuthaza intsebenziswano nentsebenziswano enemveliso.
Iinqobo zoKubangwa: Yintoni eyahlula ababolekisi
Zininzi izinto ezinegalelo ekwenziweni kozuko lwababolekisi abakumgangatho ophezulu:
1. Ingxelo ye-Broker eNgcono kunye neeNgqino
Amava kunye nobungqina babathengisi abaye basebenzisana naba babolekisi badlala indima ebalulekileyo.Ingxelo encomekayo evela kubathengisi iqaqambisa ukukwazi kombolekisi ukuhlangabezana nolindelo kunye nokuphumeza izithembiso.
2. UkuGqwesa okungaguqukiyo Ngokuhamba kwexesha
Ababolekisi abakwixabiso eliphezulu babonisa ukugqwesa okungaguqukiyo kwixesha elongeziweyo.Ukusebenza kwabo kunye nokuzibophelela ekuboneleleni ngenkonzo esemgangathweni ukunyamezela, kubenza badume njengamahlakani athembekileyo kwishishini le-mortgage.
3. Ukuziqhelanisa neeMpawu zeMarike
Ukuziqhelanisa neentsingiselo zeemarike kubalulekile.Ababolekisi abahlala phambi kotshintsho lweshishini, utshintsho lolawulo, kunye neendlela zoqoqosho zibonisa indlela yokucinga phambili ehambelana nabarhwebi kunye nababoleki.
4. Ukuwongwa koShishino kunye namaBhaso
Ukwamkelwa kwishishini lemali-mboleko ngamabhaso kunye namawonga bubungqina bokugqwesa kombolekisi.Ababolekisi ngeehowuseyili abakumgangatho ophezulu bahlala bevunywa ngegalelo labo kunye nempumelelo.
Ulwazi lwabathengi abaFumana abaBolekisi abaBonelele ngokuPhezulu
Kubathengisi abajonge ukulungelelaniswa nabona babolekisi bathengisa kakhulu, le mibono ilandelayo ibalulekile:
1. Yenza uphando olucokisekileyo
Abarhwebi kufuneka batyale ixesha kuphando olucokisekileyo ukuchonga ababolekisi abakwixabiso eliphezulu.Jonga unikezelo lwababolekisi, funda ubungqina bomthengisi, kwaye uvavanye amanqanaba eshishini ukwenza izigqibo ezinolwazi.
2. Uthungelwano kwaye Funa Iingcebiso
Ukunxibelelana phakathi koluntu lwe-mortgage luvumela abathengisi ukuba bafune iingcebiso kubalingane.Ulwazi oluvela kwabanye abarhwebi abanamava entsebenziswano nababolekisi abakwizinga eliphezulu lunokuba luncedo kakhulu.
3. Zibandakanye kwiiNgxoxo eziNgqo
Ukubandakanyeka kwiingxoxo ezithe ngqo nabanokuba ngababolekisi kubalulekile.Abarhwebi kufuneka basebenzise ezi ncoko ukubuza malunga namaxabiso, imveliso yemveliso, kunye nendlela iyonke yokuxhasa ubudlelwane bomthengisi.
4. Qwalasela amaXesha oLingo kunye neNtsebenziswano emincinci
Ukuqala amaxesha ovavanyo okanye intsebenziswano encinci kunye nababolekisi abakhethiweyo yindlela yobuchule.La mava asebenza ngezandla avumela abarhwebi ukuba bahlole ukuhambelana kunye nokusebenza ngaphambi kokuba bazibophelele kwintsebenziswano yexesha elide.
Ukuqukumbela
Ukuzulazula kumhlaba wokubambisa kubandakanya ukuchonga kunye nokusebenzisana nababolekisi abakwixabiso eliphezulu.Aba babolekisi bagqama ekuzibopheleleni kwabo ekugqweseni, kumazinga okukhuphisana, kunye nenkxaso ebanzi yee-broker.Esi sikhokelo sigxininisa iimpawu eziphambili ezichaza ababolekisi abakwizinga eliphezulu, imigaqo yokwamkelwa kwabo, kwaye sibonelela ngemibono enokusetyenzwa kubarhwebi abajolise ekwenzeni ubambiswano oluyimpumelelo kwihlabathi eliguquguqukayo lokubolekisa ngemali yokubambisa.
Ixesha lokuposa: Nov-18-2023