11/10/2023

Kummandla oguquguqukayo wenkxaso-mali yokubambisa, ukufuna imiqathango efanelekileyo kunye nezisombululo ezinexabiso eliphantsi zikhokelela ababoleki ukuba bahlole ababolekisi ababonelela ngezaphulelo zexabiso le-broker.Eli nqaku liphengulula ngokubaluleka kwezaphulelo zexabiso le-broker, licacisa izibonelelo zababoleki, kwaye libonelela ngemibono kwabo bajonga ubume bokhetho lwemali-mboleko.

Ukuqonda iZaphulelo zeRate ye-Broker

Izaphulelo zeRate yeBroker echaza iikhowudi

Izaphulelo zexabiso le-broker zibhekisa kumazinga enzala acuthiweyo athi ababolekisi bawadlulisele kubaboleki ngokusebenzisa ii-mortgage brokers.Ezi zaphulelo zinokubangela ukongiwa okubonakalayo kubomi bemali-mboleko kwaye ziyingqwalasela ephambili kwabo bafuna i-mortgage eyongayo.

Indima yee-Mortgage Brokers

Abarhwebi bezindlu zokuhlala basebenza njengabalamleli phakathi kwababoleki kunye nababolekisi.Badlala indima ebalulekileyo ekudibaniseni ababoleki nababolekisi abazimiseleyo ukunika imiqathango evumayo, kuquka izaphulelo zexabiso lomthengisi.Ii-brokers zongeza uthungelwano kunye nolwazi lweshishini ukuthethathethana ngamaxabiso athotyiweyo egameni labaxumi babo.

Izibonelelo kubaboleki

1. Ugcino lweendleko ngokuhamba kwexesha

Olona ncedo luphambili lwezaphulelo zexabiso lomthengisi lunokubakho lokonga kweendleko ezibalulekileyo.Iqondo lenzala elisezantsi kancinane, xa lisetyenziswa ngexesha lemali-mboleko, lingatolika libe kukongiwa okukhulu, kwenze ukuba ubunini bezindlu bufikeleleke ngakumbi.

2. Ukufikelela kwiZibonelelo eziKhethekileyo

Ababolekisi ababonelela ngezaphulelo zexabiso lomthengisi basoloko bebonelela ngeemali ezikhethekileyo ezisenokungafumaneki lula kuluntu ngokubanzi.Oku kubedwa kunokunika ababoleki ukufikelela kumazinga okhuphiswano anokuthi afikeleleke ngothethathethwano oluthe ngqo nababolekisi.

3. UThengiso oluLungeneyo lokuthelekisa

Ukusebenza kunye nee-mortgage brokers kulungelelanisa inkqubo yokuthenga uthelekiso.Abarhwebi banokubonisa ababoleki uluhlu lwezibonelelo, kubandakanywa izaphulelo zexabiso lomthengisi, okubavumela ukuba benze izigqibo ezinolwazi ngokusekelwe ekuqondeni okubanzi kweenketho ezikhoyo.

4. UbuNgcali boThethathethwano

Ii-mortgage brokers zizisa ubuchule bothethathethwano etafileni.Ukuqonda kwabo imakethi yemali-mboleko kunye nobudlelwane nababolekisi kuyabaxhobisa ukuba bakhusele imiqathango evumayo, kuquka nemilinganiselo ethotyiweyo, ababoleki banokufumana ucelomngeni lokuthethathethana ngokuzimeleyo.

Ababolekisi ababonelela ngeZaphulelo zeRhafu yeBroker

Ukuqwalaselwa kwababoleki

1. Imirhumo ye-Broker vs. Ugcino

Ngelixa izaphulelo zomrhwebi zibonelela ngolondolozo olunokubakho, ababoleki kufuneka bathathele ingqalelo naziphi na iifizi ezinxulumene nomthengisi.Kubalulekile ukuvavanya ukuba ugcino olufunyenwe ngexabiso elithotyiweyo luyodlula iimali ezibizwa ngumthengisi.

2. Impembelelo yokufaneleka kwetyala

Ababoleki kufuneka baqonde ukuba ukufaneleka kwezaphulelo zexabiso lomthengisi kunokuphenjelelwa kukufaneleka kwetyala.Ukugcina amanqaku etyala asempilweni kwandisa amathuba okufumana awona maxabiso alungileyo.

3. Udumo lwe-Broker kunye namava

Ukukhetha i-mortgage broker ethembekileyo nenamava kubalulekile.Isidima somthengisi kunye nerekhodi yomkhondo unokubonelela ngemibono kwisakhono sabo sokukhusela amagama aluncedo kubathengi.

Ukuqukumbela

Ababolekisi ababonelela ngezaphulelo zexabiso lee-broker banikezela indlela yokuba ababoleki baphucule iimeko zabo zokubambisa kunye nokuzuza ukonga iindleko zexesha elide.Ukuhamba kulo mhlaba kufuna indlela yobuchule, kuqwalaselwe imiba efana neentlawulo zomthengisi, ukufaneleka kwetyala, kunye nobuchule babarhwebi abakhethiweyo.Ngelixa izaphulelo zexabiso lomthengisi zivula iingcango zokufikeleleka, ababoleki kufuneka balinganise phakathi kweendleko zangaphambili kunye nokonga okunokwenzeka.Ukusebenzisana neengcali zokwenza imali kuqinisekisa ukuba ababoleki benza izigqibo ezinolwazi ezilungelelaniswe neenjongo zabo zemali.

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.