Xa uqalisa uhambo lokufumana imali-mboleko yendlu yamaphupha akho, ukukhetha umntu obolekisa ngemali sisigqibo esibalulekileyo.Olunye ukhetho lokufumana udumo kukusebenzisana nombolekisi othe ngqo we-mortgage.Kwesi sikhokelo sinengqiqo, sihlola ubucukubhede bokusebenza nombolekisi wezindlu ngokuthe ngqo, sijonga iingenelo, iingqalelo, kunye nezicwangciso ezingundoqo zamava angenamthungo okuxhasa ngemali ikhaya.

Ukuqonda indima yoMboleki we-Mortgage ngokuthe ngqo

Umbolekisi we-mortgage ngqo liziko elixhasa ngemali-mboleko ngokuthe ngqo kubaboleki ngaphandle kwabameli okanye abarhwebi.Obu budlelwane buthe ngqo bulungelelanisa inkqubo yemali-mboleko, inika ababoleki amava obuqu kunye namava asebenzayo.

Izinto eziluncedo zokuKhetha uMboleki-mali we-Mortgage ngokuthe ngqo

1. Unxibelelwano olulula

Ukusebenza ngokuthe ngqo nombolekisi kukhulisa unxibelelwano kunye nokungafihli kuyo yonke inkqubo yemali-mboleko.Ababoleki banokufikelela ngokuthe ngqo kumbolekisi wabo, ukuququzelela iimpendulo ezikhawulezayo kwimibuzo kunye nokuqonda okucacileyo kohambo lwemali-mboleko.

2. UkuPhathwa kweMali-mboleko ngokukhawuleza

Ababolekisi bemali-mboleko abathe ngqo badla ngokuqhayisa ngokukhawuleza amaxesha okwenziwa kwemali mboleko xa kuthelekiswa namaziko abandakanya abameli abaninzi.Ukupheliswa kweemaleko kwinkqubo yokuboleka kuguqula ukuvunywa okukhawulezileyo kwaye, emva koko, indlela ekhawulezayo yobunini bezindlu.

3. Inkonzo eyenzelwe wena

Ubudlelwane obuthe ngqo nombolekisi bukhuthaza amava enkonzo eyenzelwe wena.Ababoleki banokulindela isikhokelo esilungiselelweyo, izisombululo zemali-mboleko elungiselelweyo, kunye nendawo ezinikeleyo yoqhakamshelwano oluqondayo iinjongo zabo zemali ezizodwa.

4. Ukusebenza kakuhle kweendleko

Ababolekisi bezindlu ezithe ngqo banokubonelela ngeendleko ezifanelekileyo ngokunciphisa imirhumo enxulumene nabameli beqela lesithathu.Oku kunokubangela ukongiwa kweendleko ezinokubakhona kubaboleki, okwenza amava enkxaso-mali yekhaya afikeleleke ngakumbi.

5. Iinketho zeMali-mboleko eziguquguqukayo

Ababolekisi ngokuthe ngqo badla ngokuba bhetyebhetye ekunikezeni uluhlu olwahlukeneyo lweemveliso zemboleko.Nokuba ungumthengi wokuqala wezindlu, uxhasa ngemali-mboleko esele ikhona, okanye ujonga iindlela mboleko ezikhethekileyo, umbolekisi othe ngqo unokubonelela ngezisombululo ezahlukeneyo ukuhlangabezana neemfuno zakho.

Iingqwalaselo Xa Ukhetha uMbolekisi othe ngqo we-Mortgage

1. Inzala kunye neMiqathango

Ngelixa ababolekisi-mali ngokuthe ngqo bebonelela ngeenzuzo, kubalulekile ukuvavanya ngononophelo inzala kunye nemigaqo yemali-mboleko abayinikezelayo.Ukuthelekisa ezi zinto kubabolekisi abaninzi kuqinisekisa ukuba ukhusela eyona miqathango ilungileyo kwimeko yakho yezemali.

2. Uphononongo lwabathengi kunye nodumo

Ukuphanda uphononongo lwabathengi kunye nokuvavanya isidima somboleki kubalulekile.Umbolekisi we-mortgage othe ngqo kunye nerekhodi elilungileyo lokwaneliseka kwabathengi kunye nezenzo ezicacileyo kunokwenzeka ukuba abonelele ngamava emboleko agudileyo.

3. Ubungcali beGosa leMali-mboleko

Ababolekisi-mali ngokuthe ngqo baqesha amagosa emali-mboleko adlala indima ebalulekileyo ekukhokeleni ababoleki kwinkqubo yemali-mboleko.Vavanya ubuchule kunye nokuphendula kwamagosa emali-mboleko ukuqinisekisa ukuba ufumana isikhokelo esifunekayo kuhambo oluyimpumelelo lwenkxaso-mali yekhaya.

4. Itekhnoloji kunye nezakhono zeDijithali

Kule mihla yedijithali, ukuvavanya ubuchule bobuchwepheshe bomboleki ngqo kubalulekile.Umbolekisi osebenzisa amaqonga e-intanethi asebenziseka lula kunye nezixhobo zedijithali unokuphucula ukusebenza kakuhle kunye nokulula kwesicelo semali-mboleko kunye nenkqubo yokuvunywa.

Ubuchule bohambo oluyimpumelelo lweNkxaso-mali yeKhaya noMboleki oNgqo

1. Ukulungiselela kunye noxwebhu

Yilungiselele kakuhle inkqubo yokufaka isicelo semali-mboleko ngokuqokelela amaxwebhu ayimfuneko kwangaphambili.Oku kubandakanya ubungqina bengeniso, imbali yetyala, kunye namanye amaxwebhu emali.Umboleki olungisiweyo ukhawulezisa ixesha lokusetyenzwa kwemali mboleko.

2. Buza imibuzo kwaye ufune ukucaciswa

Zibandakanye ngokukhutheleyo nombolekisi wakho ngokuthe ngqo ngokubuza imibuzo kunye nokufuna ingcaciso ngayo nayiphi na imiba yesivumelwano semali-mboleko.Unxibelelwano olucacileyo luqinisekisa ukuqonda okwabelwana ngako kwemigaqo nemiqathango.

3. Sebenzisa iZibonelelo ezikwi-Intanethi

Thatha inzuzo yezibonelelo ze-intanethi ezibonelelwa ngumbolekisi othe ngqo.Uninzi lwababolekisi abathe ngqo banikezela ngeekhaltyhuleyitha ze-intanethi, izixhobo zemfundo, kunye nee-FAQs ukuxhobisa ababoleki ngolwazi kunye nokuphucula ukuqonda kwabo inkqubo yokuthenga indlu.

4. Qwalasela iNkqubela yeMali-mboleko

Hlala unolwazi malunga nenkqubela yesicelo sakho semali-mboleko.Ukungena rhoqo kunye nombolekisi othe ngqo kukuvumela ukuba ulungise nayiphi na imiba enokubakho ngokukhawuleza kwaye uqinisekise inkqubo egudileyo kwaye ngexesha elifanelekileyo lokuvuma imali-mboleko.

Ukuqukumbela: Ukuxhobisa uhambo lwakho lobunini zindlu kunye noMbolekisi othe ngqo we-Mortgage

Ukukhetha umbolekisi othe ngqo kwi-mortgage kunokuba sisigqibo sobuchule esixhobisa uhambo lwakho lobunini-khaya.Unxibelelwano olulungelelanisiweyo, inkonzo eyenzelwe wena, kunye neendleko ezinokubakho ezibonelelwa ngababolekisi-mali ngokuthe ngqo zinegalelo kumava alungileyo okuboleka imali.

Njengoko uqalisa lo mzamo ubalulekileyo wemali, qwalasela iingenelo kunye neengqwalasela ezichazwe kwesi sikhokelo.Ngokubambisana nombolekisi othembekileyo nojolise kubathengi ngokuthe ngqo kwi-mortgage, unokujonga ubunzima benkxaso-mali yekhaya ngokuzithemba, uvula indlela yokuphumelela kunye nokuzaliseka kwamava okuba nendlu.