10/18/2023

Xa ucinga ukusebenzisa i-mortgage broker ukukunceda ufumane eyona mali mboleko yendlu, kuyinto eqhelekileyo ukuzibuza ukuba babuyekezwa njani. Imbuyekezo ye-mortgage broker inokwahluka, kwaye ukuqonda ukuba ezi ngcali zihlawulwa njani kubalulekile kubo bobabini ababoleki kunye nabarhwebi. Kwesi sikhokelo sibanzi, siza kuphonononga izinto eziphembelela imbuyekezo ye-mortgage broker kwaye siphendule umbuzo: Bahlawulwa malini abarhwebi bezindlu-mboleko?

Iziseko zeMbuyekezo ye-Mortgage Broker

Ababolekisi bezindlu basebenza njengabalamleli phakathi kwababoleki kunye nababolekisi, benceda ababoleki ukuba bafumane imali-mboleko efanelekileyo yendlu. Bafumana umvuzo wabo ngeendlela ezahlukeneyo zembuyekezo, kubandakanya:

1. Imbuyekezo ehlawulwa ngumbolekisi

Kulo mzekelo, umbolekisi uhlawula i-mortgage broker ikhomishini. Le khomishini ikholisa ukuba yipesenti yesixa-mali semali-mboleko, amaxesha amaninzi malunga ne-1% ukuya kwi-2% yexabiso lemali-mboleko iyonke. Ababoleki abahlawuli umthengisi ngokuthe ngqo kule meko.

2. Imbuyekezo ehlawulwa ngumboleki-mali

Ababoleki banokukhetha ukuhlawula i-mortgage broker ngokuthe ngqo kwiinkonzo zabo. Le ntlawulo ingaba yimali ethe tyaba okanye ipesenti yemali-mboleko. Kubalulekile ukuxoxa ngesakhiwo sentlawulo kunye nomthengisi wakho kwasekuqaleni.

3. Yield Spread Premium (YSP)

I-YSP luhlobo lwembuyekezo apho umbolekisi ehlawula umrhwebi intlawulo yenyanga ukuze afumane imali-mboleko enenzala ephezulu kunelona zinga liphantsi afanele ukulifumana. Le ntlawulo inokuba ngumthombo owongezelelweyo wengeniso kumthengisi.

Izinto eziPhembelela iMbuyekezo ye-Mortgage Broker

Izinto ezininzi zinefuthe lokuba yimalini ehlawulwa i-mortgage broker:

1. Ubungakanani beMali-mboleko

Ukuba sikhulu isixa-mali semali-mboleko, kokukhona umthengisi wendlu-mboleko enokuthi afumane, ngakumbi kwiimodeli zembuyekezo ehlawulwa umbolekisi apho ikhomishini yomthengisi iyipesenti yemali-mboleko.

2. Uhlobo lweMali-mboleko

Iindidi ezahlukeneyo zeemali-mboleko, ezinjengeemali-mboleko zesiqhelo, i-FHA, okanye i-VA, zinokubonelela ngamaxabiso awohlukeneyo embuyekezo kubarhwebi.

3. Imarike kunye nendawo

Imbuyekezo inokwahluka ngendawo kunye neemeko zemarike. Abarhwebi kwiimarike ezikhuphisanayo banokufumana iikomishini eziphezulu.

4. Amava kunye nodumo lwe-Broker

Abarhwebi abanamava nodumo oluqinileyo banokukhupha intlawulo ephezulu.

5. Izakhono zoThethathethwano

Ababoleki banokuba nendawo yokuthethathethana ngembuyekezo yomthengisi, ngakumbi kwiimeko ezihlawulwe mboleki.

Ukungafihli kwimbuyekezo

Enye yezinto eziphambili ekuqondeni imbuyekezo ye-mortgage broker kukwenza elubala. Abarhwebi kufuneka bachaze ubume bembuyekezo yabo kubaboleki, nokuba ngaba umbolekisi uhlawulwe okanye ubhatalwa. Ababoleki banelungelo lokwazi ukuba umthengisi uza kufumana malini kwintengiselwano.

Ukuqukumbela

Imbuyekezo ye-mortgage broker inokwahluka ngokusekelwe kwizinto ezininzi, kubandakanywa imodeli yembuyekezo, ubungakanani bemali-mboleko, kunye neemeko zemarike. Ukuqonda ukuba yimalini na ehlawulwayo kubaboleki-mali kubaboleki, njengoko inceda ekuqinisekiseni ukungafihli kwaye ivumela ababoleki ukuba benze izigqibo ezizizo. Nokuba ukhetha imodeli ehlawulelwa umbolekisi-mali okanye umboleki-mali, ukuxoxa ngembuyekezo kunye nomthengisi wakho linyathelo elibalulekileyo kwinkqubo yokubambisa. Khumbula ukuba umthengisi ohlawulelwe kakuhle kwaye onamava angakunika uncedo oluxabisekileyo ekufumaneni eyona mali ingcono yokuboleka iimfuno zakho.

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.