Ukuqonda iMbuyekezo ye-Mortgage Broker: Yimalini ehlawulwa i-Mortgage Brokers?
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
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 enezinga eliphezulu lenzala kunelona zinga liphantsi umboleki 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 eza kufumana ngakumbi, 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, 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 umrhwebi ohlawulelwe kakuhle kwaye onamava angakunika uncedo oluxabisekileyo ekufumaneni eyona mali ingcono yokubambisa kwiimfuno zakho.
Ixesha lokuposa: Nov-08-2023