12/05/2023

Ukuphonononga i-Landscape ye-No Income Mortgage Options

Kwihlabathi eliguquguqukayo lenkxaso-mali yokubambisa, imfuneko eqhelekileyo yokubonisa umvuzo ozinzileyo inokuba ngumqobo obalulekileyo kubantu abathile.Nangona kunjalo, kuye kwavela udidi olwahlukileyo lwababolekisi-abo banika "Akukho Mvuzo yokuboleka imali."Esi sikhokelo sibanzi sijolise ekukhanyeni kwiimpawu, iinzuzo ezinokuthi zibekho, kunye neengqwalasela ezinxulumene nababolekisi bezindlu zokuhlala abanganyanzelisi kumaxwebhu engeniso yemveli.

Ukuqonda Akukho Mvuzo yabaBolekisi beMortgage

Akukho babolekisi-mali bangena ngeniso, abakwabizwa ngokuba “Akukho Doc” kubabolekisi, babonisa enye indlela abantu abafumana umvuzo ongahambelani nomsebenzi wesintu okanye abo bafuna inkqubo elungelelanisiweyo yokufaka izicelo.Aba babolekisi bajolise kwiikhrayitheriya zokuvavanya ezahlukeneyo, ukunika ukufikelela kuluhlu olubanzi lwababoleki.

Iimpawu zokungabi naMvuzo wabaBolekisi bezindlu

1. Ugxininiso oluncinane kuXwebhu lweMvuzo yesiNtu:
   • Amagqabantshintshi: Akukho babolekisi bezindlu badinga ingeniso encinci okanye akukho bungqina bemveli bengeniso, efana neefomu ze-W-2 okanye iimbuyekezo zerhafu.
   • Impembelelo: Le ndlela ilungelelanisiweyo ikhawulezisa inkqubo yokuvunywa kwemali-mboleko kubaboleki.
2. Ugxininiso kwezinye iiMetrics:
   • Amagqabantshintshi: Ababolekisi bagqalisela kwezinye iindlela zokulinganisa, ezinjengokufaneleka kwetyala kunye nokuzinza kwezemali ngokubanzi, ukuvavanya amandla omntu obolekayo ukubuyisela.
   • Impembelelo: Ababoleki abanemithombo yengeniso engaqhelekanga okanye inkangeleko yemali entsonkothileyo banokuyifumana aba babolekisi bebonelela ngakumbi.
3. Iimveliso ezahlukeneyo zeMali-mboleko:
   • Amagqabantshintshi: Akukho babolekisi bezindlu ababonelela ngeentlobo ngeentlobo zeemveliso zemali-mboleko, kubandakanywa imali-mboleko yokuthenga ikhaya, ukubuyisela imali, kunye nemali mboleko yezindlu.
   • Impembelelo: Ababoleki banethuba lokukhetha imali-mboleko ehambelana neenjongo zabo zobunini-zindlu.

Izibonelelo kunye nokuqwalaselwa kwababoleki

1. Ukufikeleleka kwimithombo yoMvuzo engeyiyo yesiNtu:
   • I-advanteji: Akukho babolekisi-mali mboleko babonelela abantu abazisebenzelayo, abazimeleyo, kunye nabo banemithombo yengeniso eguquguqukayo.
   • Uqwalaselo: Ngelixa lufikeleleka, ababoleki banokudibana nenzala ephezulu kancinane okanye ezinye izinto ezihlawulayo.
2. Inkqubo yokuVuma ngokukhawuleza:
   • I-advanteji: Ugxininiso oluncitshisiweyo kumaxwebhu engeniso yemveli kudla ngokukhokelela kwinkqubo yokuvunywa ngokukhawuleza.
   • Uqwalaselo: Ukwamkelwa okukhawulezileyo akufuneki kusilahlekise ukuqonda ngokucokisekileyo imiqathango yemali-mboleko.
3. Ukuba bhetyebhetye kuXwebhu loMvuzo:
   • I-advanteji: Ababoleki banokubonisa uluhlu olwahlukeneyo lwamaxwebhu engeniso, afana neengxelo zebhanki okanye ingeniso yeshishini, ukubonisa uzinzo lwemali.
   • Uqwalaselo: Unxibelelwano olucacileyo nombolekisi lubalulekile ukuze kuqinisekiswe ukuba amaxwebhu anikiweyo ahambelana neemfuno zabo.

Ukuqwalaselwa kwababoleki

1. UVavanyo lweMali oluneenkcukacha:
   • Isindululo: Ngelixa amaxwebhu engeniso yemveli emncinci, ababoleki kufuneka benze uhlolo olubanzi lwemeko yabo yezemali.
2. Ukuqonda iMigaqo yeMali-mboleko:
   • Icebiso: Yiqonde kakuhle imiqathango yemali-mboleko, kuquka inzala, ixesha lokuhlawula, nazo naziphi na izohlwayo ezinokubakho.
3. UThengiso oluthelekisayo:
   • Ingcebiso: Phonononga unikezelo oluvela kubabolekisi abangekho ngeniso yemali yendlu ukuze ukhusele awona miqathango avumayo kwiimeko zemali.

Ukujonga iNkqubo yeSicelo

1. Unxibelelwano oluvulekileyo:
   • Isikhokelo: Gcina unxibelelwano oluselubala kunye nababolekisi, uqinisekise ukuqonda okucacileyo kweemfuno ezithile kunye nokulindela.
2. Isikhokelo soBuchule:
   • Isikhokelo: Funa iingcebiso kwiingcali zokubolekwa kwezindlu okanye abacebisi bezemali ukuvavanya ukuba akukho ngeniso ye-mortgage ehambelana neenjongo zezimali zexesha elide.
3. Uphononongo lwezomthetho ukuba luyafuneka:
   • Isikhokelo: Xa kujongwa ubume obukhethekileyo bezi mboleko, abacebisi bomthetho banokubonelela ngeembono ezixabisekileyo kwimingcipheko enokubakho kunye nokhuseleko.

Ukuqukumbela: UkuXhobisa iiNdlela ezohlukeneyo zeMali

Akukho babolekisi bezindlu banikezela ngendlela eyodwa kubantu abanengeniso etenxayo kwisiqhelo.Ngelixa aba babolekisi bebonelela ngokufikeleleka okwandisiweyo, ababoleki kufuneka basondele kwinkqubo yokwenza izigqibo ngokuqonda okucacileyo kwemigaqo kunye norhwebo olunokubakho.Ngokujonga ubunzima bokungabinamali yokubambisa ngenkuthalo kunye nokwazisa, ababoleki banokusebenzisa la mathuba akhethekileyo okuphumeza ubunini-zindlu kunye neenjongo zabo zezimali, befaka igalelo kumhlaba oqukayo wenkxaso-mali yokubambisa.

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.