11/09/2023

Kwinkalo yenkxaso-mali yokubambisa, abarhwebi bafuna ubuhlakani nababolekisi ababonelela kungekuphela nje amaxabiso okhuphiswano kodwa kunye neeNtlawulo zaNyanga le ezinomtsalane zeYield Spread (YSP). Eli nqaku liphonononga ukubaluleka kwe-YSP, indima yababolekisi, kwaye libonelela ngemibono kwabanye bababolekisi abaphezulu abaziwa ngokunikezela ngeYSP ephezulu kubathengisi.

Ukuqonda iiNtlawulo zeNyanga zeSivuno (YSP)

Yintoni i-YSP?

INtlawulo yokuQalwa kweSivuno, eyaziwa ngokuba yi-YSP, yimbuyekezo eyongezelelweyo enikelwa ngababolekisi-mali kubabolekisi-zindlu ukuze bafumane imali-mboleko ngeqondo eliphezulu lenzala kunokuba lowo ubolekayo eyifanelekela. Ngokwenyani yikomishini ehlawulwe ngumbolekisi kumthengisi ngokuzisa ishishini.

Ukubaluleka kweYSP

I-YSP isebenza njengenkuthazo kubarhwebi ukuba bakhusele iimali-mboleko ezinemiqathango efanelekileyo kubabolekisi. Ivumela abarhwebi ukuba bakhulise umvuzo wabo ngelixa benika ababoleki uluhlu lweendlela zokubambisa.

Indima yababolekisi kwiYSP

Igalelo loMboleki kwiYSP

Ababolekisi banegalelo kwi-YSP njengenxalenye yolwakhiwo lwembuyekezo yabo kubarhwebi bezindlu zokuhlala. Isixa se-YSP sinokwahluka phakathi kwababolekisi, nto leyo eyenza ukuba kubaluleke kakhulu kubathengisi ukuba bakhethe amaqabane anikezela ngeentlawulo zokhuphiswano.

I-Advantage yoKhuphiswano kwiiBroker

Abarhwebi bayazuza ekusebenzisaneni nababolekisi ababonelela ngeYSP ephezulu ngeendlela ezininzi. Ayinakwandisa kuphela imbuyekezo yabo yonke kodwa ikwabonelela ngomda wokukhuphisana kwimarike yemali-mboleko, ukutsala ishishini elingakumbi kubaboleki.

Iingcebiso kubarhwebi abafuna iYSP ephezulu

1. Uphando lwezicwangciso zeMbuyekezo yabaBoleki: Phanda ngokucokisekileyo kwaye uthelekise iminikelo ye-YSP yababolekisi abahlukeneyo. Khangela izicwangciso zembuyekezo ezicacileyo ezivuza abarhwebi ngesisa.
2. Qwalasela isidima: Khetha ababolekisi-mali abanegama lokuhlawula ngokufanelekileyo nangexesha leYSP. Ukufunda uphononongo kunye nokufuna iingcebiso kunokubonelela ngengqiqo kwirekhodi lombolekisi.
3. Thetha iMigaqo: Ii-Broker kufuneka zingalibazisi ukuthethathethana ngemigaqo ye-YSP nababolekisi. Abanye ababolekisi banokuvulelwa ukwenza izicwangciso zabo zembuyekezo ngokwendlela asebenza ngayo umrhwebi.
4. Yahlula iNtsebenziswano yabaBoleki: Ukwandisa amathuba e-YSP, cinga ngolwahlulo lwentsebenziswano nababolekisi abaninzi. Oku kuqinisekisa uluhlu olubanzi lweemveliso zokubambisa kubathengi.

Ukuqukumbela

Kwimeko yokhuphiswano lwenkxaso-mali yokubambisa, abathengisi abafuna ukonyusa umvuzo wabo kufuneka badibane nababolekisi ngemali abanikezela ngeYSP ephezulu. Ukuqonda ukubaluleka kwe-YSP, indima yababolekisi, kunye nokuchonga ababolekisi abaphezulu kwimarike kunokuxhobisa abathengisi ukuba benze izigqibo ezinolwazi, ekugqibeleni baphucule impumelelo yabo yezemali kwishishini lemali-mboleko.

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.