11/09/2023

Kumhlaba osoloko uguquguquka wenkxaso-mali yokubambisa, ukufuna ukuba bhetyebhetye kwiinketho zamaxabiso kuye kwaba yingqwalasela ebalulekileyo kubaboleki.Eli nqaku lijonga ukubaluleka kokuba nababolekisi ngexabiso eliguquguqukayo onokukhetha kulo, liphonononga izibonelelo abazinikelayo, kwaye libonelela ngemibono ekukhetheni umbolekisi ofanelekileyo ukuze alungele iimfuno zakho zemali ezizodwa.

Ukuqonda iiKhetho zeXabiso eziguquguqukayo

Zeziphi iiNdlela zokuKhetha zokuRhwabisa amaxabiso?

Iinketho zamaxabiso eziguquguqukayo kwindawo yokubambisa zibhekiselele ekuziqhelaniseni kunye nokwenziwa ngokwezifiso okukhoyo kulwakhiwo lwemiqathango yemali-mboleko, amazinga enzala, kunye nezicwangciso zokuhlawula yonke imbuyekezo.Ababolekisi ababonelela ngokuguquguquka baxhobisa ababoleki ukuba balungelelanise izivumelwano zabo zokubambisa ukuze zihambelane ngcono nobuchule babo bezemali kunye neenjongo.

Ukubaluleka kokuguquguquka

Ukuba bhetyebhetye kwiinketho zamaxabiso kubalulekile njengoko kuvumela iimeko ezahlukeneyo zemali kunye nokukhethwa kwababoleki.Ivumela izisombululo ezizezakho ezinokuthi zithomalalise umthwalo wentlawulo yendlu-mboleko kunye nokuphucula impilo-ntle yezemali.

Izibonelelo zababolekisi ngoKhetho lwamaxabiso aguquguqukayo

1. Ukulungelelanisa kwiiMfuno zoMntu ngamnye

Ababolekisi abanokhetho oluguquguqukayo lwamaxabiso baqaphela ukuba isayizi enye ayilingani zonke.Ababoleki banokuthethathethana ngemibandela ehambelana neemeko zabo zezimali ezizodwa, nokuba kukuhlengahlengisa ixesha lemali-mboleko okanye ukujonga iindlela ezahlukeneyo zenzala.

2. Ukuziqhelanisa noTshintsho kwiMarike

Kwimalike yezemali eguquguqukayo, ukuba nombolekisi onokhetho oluguquguqukayo lwamaxabiso kubonelela ngokhuseleko ngokuchasene nokuguquguquka kwenzala.Ababoleki banokuphonononga iinketho zokutshintsha phakathi kwamaxabiso azinzileyo kunye nohlengahlengiso olusekwe kwiimeko zentengiso.

3. Ukufikeleleka okongeziweyo

Iinketho zamaxabiso eziguquguqukayo zinegalelo ekufikeleleni okuphuculweyo.Ababoleki banokusebenza nababolekisi ukuba bahlele iintlawulo ngendlela ehambelana neepateni zabo zengeniso, baqinisekise ukuba ubunini bezindlu buhlala bufikeleleka.

4. Inkxaso yoCwangciso lwezeMali

Ababolekisi ababonelela ngokuguquguquka bahlala bebonelela ngenkxaso yesicwangciso semali esixabisekileyo.Oku kunokubandakanya izixhobo kunye nezibonelelo zokunceda ababoleki ukuba benze izigqibo ezinolwazi malunga nesakhiwo sabo semali mboleko kunye nezicwangciso zembuyekezo.

Ukukhetha uMboleki oLungileyo

1. UPhando lweMiboleko yoMboleki

Ukuqhuba uphando olucokisekileyo kubabolekisi kunye nokuguquguquka kwabo kwiinketho zamaxabiso.Jonga ulwazi oluselubala malunga nendlela imiqathango yabo elungelelaniswa ngayo kunye nokuba bajongana neemfuno ezahlukeneyo zomboleki.

2. Funda uPhononongo lwabathengi

Uphononongo lwabathengi lunokubonelela ngemibono kumava angawo ababoleki kunye nombolekisi othile.Nika ingqalelo kwizimvo malunga nokuguquguquka kokhetho lwamaxabiso kunye nendlela umbolekisi asabela ngayo kwiimfuno zomntu ngamnye.

3. Qhagamshelana neeNgcali ze-Mortgage

Funa iingcebiso kwiingcali ngezemali mboleko okanye kubacebisi ngezemali.Banokunika isikhokelo kubabolekisi abaziwayo ngokuguquguquka kwabo kunye nokunceda ukuhlola ukuba zeziphi iindlela ezilungelelaniswe kakuhle neenjongo zakho zemali.

4. Vavanya iiNzuzo zeXesha Elide

Ungathatheli ingqalelo kuphela ukufikeleleka kwangoko kodwa kunye neenzuzo zexesha elide zokhetho lwamaxabiso.Vavanya ukuba ukuguquguquka kombolekisi kulungelelana kangakanani nezicwangciso zakho zemali zexesha elizayo kunye notshintsho olunokwenzeka kubomi bakho.

Ukuqukumbela

Kwinkalo yenkxaso-mali ye-mortgage, ukubaluleka kokuba nababolekisi abaneenketho zokubeka amaxabiso aguquguqukayo akunakubaxwa.Ukukwazi ukulungelelanisa imigaqo yakho yokubambisa ngokweemfuno zakho kuzisa inqanaba lokuzenzela kunye nokufikeleleka okonyusa amava okuboleka ngokubanzi.Njengoko uqalisa uhambo lwakho lobunini-khaya, qwalasela ukuba bhetyebhetye okunikezelwa ngababolekisi-mali njengeyona nto iphambili ekufumaneni imali-mboleko ehambelana ngokugqibeleleyo neenjongo zakho zemali kunye neminqweno.

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.