11/08/2023

Xa kufikwa ekufumaneni imali-mboleko, ixesha lidla ngokuba ngundoqo.Nokuba ungumthengi wezindlu ozimiseleyo ukukhusela ikhaya lamaphupha akho okanye umtyali-mali wezindlu ojonge ukuvala isivumelwano, isantya apho ubhalo lwenkqubo yakho yomboleki-mali lunokwenza umahluko omkhulu.Kweli nqaku, siza kuphonononga kumaxesha okuguqula umbolekisi ophantsi, kutheni kubalulekile, kunye nendlela yokukhawulezisa inkqubo yokuvunywa kwemboleko-mali.

Ukuqonda i-Underwriting kwi-Mortgage Lending

Yintoni I-Underwriting?

I-mortgage underwriting yinkqubo apho umbolekisi avavanya umngcipheko onxulumene nokubonelela ngemboleko-mali kumboleki.Ngexesha lokubhala phantsi, umbolekisi uvavanya ukufaneleka komboleki, umvuzo, imbali yengqesho, kunye nepropati exhaswa ngemali.

Ukubaluleka Kokubhala Ngaphantsi

Ukubhalwa phantsi linyathelo elibalulekileyo kwinkqubo yokuvunywa kwe-mortgage.Inceda ababolekisi babone umgangatho womngcipheko abawuthathayo kunye nokuba umboleki ngumgqatswa ofanelekileyo wokubambisa.Inkqubo yokubhala phantsi ibandakanya uphononongo olubanzi lwemeko yemali yomboleki kunye nepropathi eza kuxhaswa ngemali.

Kutheni le nto amaxesha okutshintsha kokubhalwa phantsi abalulekile

Isantya apho umbolekisi wevenkile anokuthi agqibezele ukubhala phantsi sibalulekile ngenxa yezizathu ezininzi:

1. I-Advanteji yoKhuphiswano: Kukhuphiswano lwemarike yezindlu, ukukwazi ukungenisa isinikezelo esinamandla, esibhalwe ngaphantsi kunokukuhlukanisa nabanye abathengi.
2. Ukuvalwa ngokukhawuleza: Ukubhala phantsi ngokukhawuleza kunokukhokelela ekuvunyweni ngokukhawuleza kwe-mortgage kwaye, ngenxa yoko, ukuvalwa ngokukhawuleza, okubaluleke kakhulu kubatyalo-mali bezindlu.
3. Amaxesha okuTshixa: Inzala kwimali-mboleko yendlu isoloko itshixiwe kangangexesha elithile.Ukubhalwa phantsi okukhawulezileyo kuqinisekisa ukuba izinga lokutshixa lihlala lisemthethweni.
4. Uxinzelelo oluncitshisiweyo: Amaxesha amafutshane okubhala phantsi anciphisa uxinzelelo oluhambelana nokulinda ukuvunywa kwe-mortgage.

Iingcebiso zokuKhawulezisa inguqu yokubhala phantsi

Ukukhawulezisa inkqubo yokubhala phantsi kunye nombolekisi wakho wehoseyile, qwalasela la macebiso alandelayo:

1. Lungiselela Amaxwebhu Akho: Qinisekisa ukuba onke amaxwebhu afunekayo agqityiwe yaye acwangciswe kakuhle, kubandakanywa neembuyekezo zerhafu, iintlawulo zentlawulo, iingxelo zebhanki, kunye nazo naziphi na iirekhodi zemali ezongezelelweyo.
2. Gcina Unxibelelwano Oluhle: Hlala usondelelene nombolekisi wakho, uphendule ngokukhawuleza naziphi na izicelo zolwazi olongezelelweyo okanye ingcaciso.
3. Khetha uMboleki ngeRekhodi eLungileyo: Khetha umbolekisi wevenkile owaziwayo ngenkqubo esebenzayo yokubhala phantsi.
4. Sebenza kunye ne-Mortgage Broker: Abarhwebi bezindlu ezibolekwayo banonxibelelwano nababolekisi abahlukeneyo kwaye banokukunceda ukuba ufumane enye ngokubhala ngokukhawuleza.
5. Cinga nge-Automated Underwriting: Abanye ababolekisi babonelela ngeenkqubo zokubhalela phantsi ezizenzekelayo ezinokukhawulezisa inkqubo yababoleki abahlangabezana nemilinganiselo ethile.

Ukuqukumbela

Amaxesha okuguqula umbolekisi wevenkile ephantsi adlala indima ebalulekileyo kwinkqubo yolwamkelo lwemali-mboleko.Nokuba ungumthengi wezindlu okanye ungumtyali-mali wezindlu, inkqubo ekhawulezayo yokubhala phantsi inokuba sisitshixo ekufumaneni indawo oyinqwenelayo.Ngokuqonda ukubaluleka kwesantya sokubhala phantsi kunye nokulandela iingcebiso zokukhawulezisa inkqubo, unokuhlengahlengisa uhambo lwakho lokuboleka imali kwaye usondele inyathelo elinye ekuqondeni ubunini-khaya bakho okanye iinjongo zotyalo-mali.

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.