11/02/2023

Ukufumana umbolekisi ofanelekileyo kunye nonikezelo lwexabiso lexesha lonyaka kunokutshintsha umdlalo kubo bobabini abathengi bezindlu kunye nabatyali-mali bezindlu.Aba babolekisi babonelela ngenzala eguquguqukayo ngokusekwe kwixesha lonyaka, nto leyo evumela ababoleki ukuba bafumane imali-mboleko ngawona maxesha anenzuzo.Kwesi sikhokelo sibanzi, siza kugocagoca kwingqikelelo yababolekisi abakwihoseyile kunye nonikezelo lwamaxabiso onyaka, izibonelelo abazizisayo, kunye nendlela yokuwasebenzisa kakhulu la mathuba.

Ukuqonda ababolekisi ngeWholeyilesi ngeeNtengiso zeXesha loNyaka

Ababolekisi ngevenkile ethengisa ngexabiso lexesha lonyaka babonelela ababoleki abafuna iindlela eziguquguqukayo nezingabizi kakhulu ngemali.Aba babolekisi bahlengahlengisa inzala yabo ngamaxesha athile, bethathela ingqalelo imiba eyahlukeneyo, kuquka iimeko zemarike, imfuno, kunye nentsingiselo yamaxesha onyaka.Nantsi into ekufuneka uyazi:

1. Ukuguquguquka kweRayithi yeXesha loNyaka

Ababolekisi kwihoyilesi banokuthoba inzala yabo ngamaxesha athile onyaka xa imfuno yokuthenga ikhaya isezantsi, ngokwesiqhelo ekwindla nasebusika.Ngokuchaseneyo, banokunyusa amaxabiso entwasahlobo nasehlotyeni xa umsebenzi wezindlu nomhlaba uthande ukunyuka.

2. Iinzuzo kubaboleki

• Ugcino lweendleko: Ababoleki banokuthatha inzuzo yamaxabiso aphantsi ngamaxesha onyaka angekho phezulu, anokubagcina imali kubomi bemali mboleko yabo.
• Ukufikeleleka okongeziweyo: Amaxabiso aphantsi anokwenza ukuba ubunini bezindlu bufikeleleke ngakumbi kwaye buncede abatyali-mali bezindlu nezindlu bakhusele iipropati ngexabiso eliphantsi.
• Ixesha leMarike: Unikezelo lwexabiso lexesha lonyaka lubonelela ngethuba lokubeka ixesha lokuthengisa kunye nokwenza iintshukumo ezicwangcisiweyo kwi-real estate.

3. Iintlobo zeMali-mboleko

Ababolekisi bevenkile ethengisa izinto ezithengiswayo ngexabiso lexesha lonyaka babonelela ngeentlobo ezahlukeneyo zemboleko-mali, kubandakanywa iimali-mboleko ezimiselweyo, iimali mboleko ezihlengahlengiswayo (ii-ARM), nokunye.Ababoleki banokukhetha imali-mboleko ehambelana neenjongo zabo zemali.

Ufunyaniswa njani kwiZibonelelo zeRhafu yeXesha

Ukwenza uninzi lweereyithi zexesha lonyaka ezivela kubabolekisi bevenkile, qwalasela ezi zicwangciso zilandelayo:

1. Ukubeka ixesha lokuthenga kwakho

Ukuba ungumthengi wezindlu, cinga ngokubeka ixesha lokuthenga kwakho ngamaxesha onyaka angekho phezulu xa amaxabiso ephantsi.Oku kunokubangela ukonga ixesha elide.

2. Amathuba okuxhasa ngemali kwakhona

Abanini bezindlu abakhoyo banokuphonononga iindlela zokuxhasa ngemali ngamaxesha onyaka xa iireyithi zisezantsi kakhulu ukunciphisa iintlawulo zenyanga zindlu okanye ukuhlawula imali-mboleko ngokukhawuleza.

3. Utyalo-mali lwe-Real Estate

Abatyali-zimali bezindlu nezindlu banokuthatha ithuba lonikezelo lwexabiso lexesha lonyaka ukuze bakhusele iipropati zotyalo-mali ngeendleko eziphantsi zokuboleka, ezinokunyusa imida yengeniso yabo.

4. Dibana neNgcali ye-Mortgage

Ukusebenza kunye nochwephesha wemali-mboleko owazi kakuhle ukuthambekela kwamaxabiso exesha lonyaka kunokukunceda ujikeleze imarike kwaye wenze izigqibo ezinolwazi.

Ukukhetha uMboleki weWholesale oLungileyo

Xa ukhetha umbolekisi wehoseyile ngexabiso lexesha lonyaka, qwalasela le miba ilandelayo:

1. Udumo oluhle

Phanda isidima somboleki kunye nophononongo oluvela kubaboleki bangaphambili ukuqinisekisa ukuba banembali yokuphumeza izithembiso zabo zesantya sonyaka.

2. Ukuba bhetyebhetye

Khetha umbolekisi obonelela ngoluhlu lweemveliso zemboleko kunye nemiqathango ebhetyebhetye ukuhlangabezana neemfuno zakho ezizodwa.

3. Ukungafihli

Khetha umbolekisi obonelela ngolwazi olucacileyo noluselubala malunga nonikezelo lwamaxesha onyaka kunye nazo naziphi na iintlawulo ezinxulumeneyo.

4. Ukhokelo lweNgcali

Funa isikhokelo kwiingcali zezimali zezindlu ezinokuthi zibonelele ngezona mboleko zibalaseleyo ngeenkqubo zomrhumo wonyaka.

Ukuqukumbela

Ababolekisi bevenkile ethengisa izindlu ngexabiso lexesha lonyaka banikezela ngamathuba okonga iindleko kunye neentshukumo zezemali ezicwangcisiweyo kubo bobabini abathengi bamakhaya kunye nabatyali bezindlu.Ngokuqonda ukuba oku kuguquguquka kwesantya sonyaka kusebenza njani kwaye ubeka ixesha kwizigqibo zakho zemali ngokufanelekileyo, unokwandisa izibonelelo zezi zibonelelo.Qiniseka ukuba ukhetha umbolekisi othembekileyo kwaye udibane neengcaphephe ezinokukunceda wenze ukhetho olunolwazi kwihlabathi eliguqukayo lonikezelo lwamaxabiso onyaka.

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.