11/10/2023

Kumhlaba ontsonkothileyo wenkxaso-mali yokubambisa, ukufumana ababolekisi ababonelela ngendibaniselwano yomlinganiselo ophezulu weMali-mboleko ukuya kwiXabiso (LTV) kunye nenzala ephantsi kunokutshintsha umdlalo kubaboleki.Eli nqaku lijonga ngokubaluleka kwe-LTV, liphonononga izibonelelo zababolekisi nge-LTV ephezulu kunye namaxabiso aphantsi, kwaye libonelela ngemibono kubaboleki abajonge ukuhamba kulo mhlaba unenzuzo.

Ukuqonda iMali-mboleko-kwixabiso (LTV)

Ukucacisa i-LTV

I-LTV yimetric ebalulekileyo kwinkxaso-mali yokubambisa, emele umlinganiselo wemali-mboleko kwixabiso eliqikelelweyo lepropati.I-LTV ephezulu ibonisa isixa-mali esikhulu semali-mboleko xa sithelekiswa nexabiso lepropati, inika ababoleki ithuba lokuxhasa ngemali inxalenye ebalulekileyo yokuthenga kwabo ikhaya.

Ukubaluleka kwe-LTV ephezulu

I-LTV ephezulu ifaneleka ngakumbi kubaboleki abanemali enyiniweyo yokuhlawula.Ibavumela ukuba bakhusele imali-mboleko enemfuno encinci yemali yangaphambili, bavule iingcango zobunini bezindlu kwinxalenye ebanzi yabemi.

Ababolekisi abane-LTV ePhakamileyo kunye namaxabiso aphantsi

Yintoni Eyahlulayo?

Ababolekisi ababonelela nge-LTV ephezulu kunye namaxabiso aphantsi bazahlula ngokunika ababoleki inzuzo emibini yokufikelela kwisixa-mali esikhulu semali-mboleko ngelixa besonwabela inzala encumisayo.Le ndibaniselwano inomtsalane ngakumbi kwabo bafuna ukufikeleleka ngaphandle kokuthomalalisa ubungakanani bemali-mboleko.

Izibonelelo ze-LTV eziPhakamileyo kunye neeReyithi eziPhantsi

1. Ukufikeleleka okwandisiweyo: Eyona nzuzo iphambili kukufikeleleka okwandisiweyo.I-LTV ephezulu yenza ukuba ababoleki bafumane imali-mboleko enkulu, ngelixa amazinga enzala ephantsi afaka isandla kwiintlawulo ezilawulekayo zenyanga, okwenza ukuba ubunini bezindlu bufikeleleke ngakumbi.
2. Iindleko eziNcitshisiweyo zaPhambili: Kubaboleki abanogcino olulinganiselweyo, i-LTV ephezulu inciphisa imfuno yentlawulo ephantsi.Oku kunokuba luncedo ngakumbi kubantu abaqalayo ukuthenga izindlu okanye abo bafuna ukugcina imali kwezinye iinjongo zemali.
3. Ufikelelo oluBanzi kuBunini-zindlu: Ababolekisi abane-LTV ephezulu kunye namaxabiso aphantsi badlala indima ebalulekileyo ekwandiseni ukufikelela kubunini-zindlu.Oku kubaluleke kakhulu kwiimarike apho amaxabiso epropathi ephezulu, kwaye ukonga intlawulo ephantsi kubonakalisa umngeni.
4. Amazinga oKhuphiswano enzala: Inzala ekhuphisanayo enikezelwa ngaba babolekisi iqinisekisa ukuba ababoleki abaxhamli nje kuphela kwisixa-mali semali-mboleko ephezulu kodwa bayaxhamla kwinkxaso-mali eyongayo kubomi bemali-mboleko.

Ukuqwalaselwa kwababoleki

1. Imiba yokufaneleka kwetyala

Ngelixa kukho iinketho eziphezulu ze-LTV, ababoleki kufuneka baqaphele ukufaneleka kwabo kwityala.Ukugcina amanqaku etyala asempilweni kwandisa amathuba okufumana inzala encomekayo, nokuba kukho i-LTV ephezulu.

2. UCwangciso lwezeMali lweXesha elide

Ababoleki kufuneka baqwalasele iinjongo zabo zezimali zexesha elide xa bekhetha i-LTV ephezulu kunye namazinga aphantsi.Vavanya ukuba imiqathango yemali-mboleko ihambelana njani nezicwangciso zexesha elizayo, uqinisekise ukuba inkxaso-mali ihlala izinzileyo ekuhambeni kwexesha.

3. Ukuthenga ngokuthelekisa

Jonga iminikelo evela kubabolekisi abahlukeneyo ukuchonga awona magama afanelekileyo.Ngelixa i-LTV ephezulu kunye neereyithi ezisezantsi ziluncedo, iinketho zokuthelekisa zivumela ababoleki ukuba bakhusele eyona mali inexabiso eliphezulu kwaye ilungiselelwe.

4. Ukubonisana neeNgcali ze-Mortgage

Ukuqhagamshelana neengcali ze-mortgage kunokunika ulwazi oluxabisekileyo.Abacebisi nge-Mortgage banokukhokela ababoleki ekuqondeni ama-nuances enkxaso-mali ye-LTV ephezulu, ukubanceda benze izigqibo ezinolwazi ezihambelana neenjongo zabo zemali.

Ukuqukumbela

Ababolekisi ababonelela nge-LTV ephezulu kunye namaxabiso aphantsi bamele isango lokufikeleleka okwandisiweyo kunye namathuba okuba ngabaninimzi.Njengoko ababoleki bezulazula kulo mhlaba, indlela yobuchule ebandakanya uvavanyo lwetyala, ukucwangciswa kwexesha elide, kunye nokubonisana neengcali zoshishino iqinisekisa inkqubo yokwenza izigqibo ezinolwazi.Ukukhetha ababolekisi abahambelana neenjongo zemali kunye neminqweno yepropathi kuvula indlela yokufikelela ngakumbi kunye nozinzo kumninimzi.

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.