10/24/2023

Emhlabeni wezindlu nezindlu, esinye sezinyathelo ezibaluleke kakhulu ukufaka isicelo sokubolekwa imali nomalekisi wezindlu.Inqubo ingabonakala iyinkimbinkimbi futhi idla isikhathi, kodwa ukuqonda umugqa wesikhathi kungakusiza ukuzulazula kuwo ngokuzethemba.Kulesi sihloko, sizocubungula ukuthi ngokuvamile kuthatha isikhathi esingakanani ukufaka isicelo semali mboleko kumabolekisi wezindlu.

Inqubo Yesicelo

Isinyathelo sokuqala sokuthola imali ye-mortgage sisebenza nomuntu obolekisa nge-mortgage.Le nqubo ibandakanya izigaba ezimbalwa ezibalulekile:

Ukulungiselela (amaviki angu-1-2): Ngaphambi kokufaka isicelo, abangaba ababoleki kufanele baqoqe amadokhumenti ezezimali adingekayo, njengama-pay stubs, izimbuyiselo zentela, nezitatimende zasebhange.Lokhu kungathatha noma yikuphi kusukela evikini elilodwa ukuya kwamabili, kuye ngokuthi ahleleke kangakanani amarekhodi akho ezezimali.

Ukukhetha Umbolekisi (amaviki angu-1-2): Ukukhetha umbolekisi ofanele we-mortgage kubalulekile.Kutuswa ukuchitha isikhathi ucwaninga ababolekisi futhi uqhathanise amanani nemibandela yabo.Lesi sinyathelo singathatha isonto elilodwa kuya kwamabili.

Ukugunyazwa Ngaphambili (izinsuku ezingu-1-3): Uma usukhethile umbolekisi, ungacela imvume yangaphambili.Umbolekisi uzobuyekeza ulwazi lwakho lwezezimali kanye nomlando wesikweletu ukuze akunikeze incwadi yokugunyaza kusengaphambili.Le nqubo ngokuvamile ithatha usuku olulodwa kuya kwezintathu.

Gcwalisa Isicelo (izinsuku ezingu-1-2): Ngemva kokugunyazwa kusengaphambili, uzodinga ukuthumela isicelo semali mboleko esisemthethweni, esihlanganisa imininingwane yezimali enemininingwane eyengeziwe.Le nqubo ingase ithathe isonto elilodwa kuya kwamabili, kuye ngokusabela kwakho ekunikezeni imibhalo eceliwe.

Ukucutshungulwa kwemalimboleko (amaviki angu-1-2)

Isigaba esilandelayo ukucutshungulwa kwemalimboleko, lapho umebolekisi ebuyekeza isicelo sakho futhi enze ukuhlola okuphelele kokufaneleka kwakho isikweletu kanye nesakhiwo ohlose ukusithenga.Lesi sigaba singathatha amasonto amabili kuya kwamane, futhi izici ezibalulekile ezithonya ubude besikhathi zihlanganisa:

Ukuqinisekiswa Kwedokhumenti (izinsuku ezingu-1-2): Ababolekisi bahlolisisa amadokhumenti akho ezezimali, umlando wokuqashwa, nemibiko yezikweletu.Le nqubo yokuqinisekisa ingathatha iviki elilodwa kuya kwamabili.

Ukulinganisa (amaviki angu-2-3): Umbolekisi uzohlela ukuba kuhlolwe indawo ukuze kutholwe inani layo.Lesi sinyathelo singathatha amasonto amabili kuya kwamathathu futhi singase sibe ngaphansi kokutholakala kwabahloli.

Ukubhala ngaphansi (amaviki angu-1-2): Ababhali abangaphansi bahlola zonke izici zesicelo semalimboleko, baqinisekise ukuthi sihlangabezana nemibandela yombolekisi.Lesi sigaba ngokuvamile sithatha isonto elilodwa kuya kwamabili.

Kuyavala (amaviki angu-1-2)

Uma isicelo sakho semalimboleko sesivunyiwe, isinyathelo sokugcina yinqubo yokuvala.Lokhu kuhlanganisa ukusayina amadokhumenti adingekayo kanye nokuthola imali yokuthenga indlu.Inqubo yokuvala ngokuvamile ithatha isonto elilodwa kuya kwamabili futhi ingase ihlanganise okulandelayo:

Ukulungiselela Idokhumenti (izinsuku ezi-3-5): Ababolekisi balungiselela amadokhumenti emalimboleko ukuze ubuyekeze futhi usayine, okuvame ukuthatha izinsuku ezintathu kuya kweziyisihlanu.

Ukuvala I-aphoyintimenti (izinsuku ezingu-1-2): Uzohlela isikhathi sokuvala nenkampani yetayitela noma ummeli ukuze usayine amaphepha.Lesi sinyathelo ngokuvamile sithatha usuku olulodwa kuya kwezimbili.

Uxhaso (izinsuku ezingu-1-2): Ngemva kokusayina, umbolekisi ukhipha izimali kumthengisi, futhi uba umnikazi oziqhenyayo wendlu yakho entsha.Le nqubo ngokuvamile ithatha usuku olulodwa kuya kwezimbili.

Sengiphetha, isikhathi esisithathayo ukuze ufake isicelo semali mboleko kumabolekisi wezindlu singahluka kakhulu kuye ngokulungela kwakho, izinqubo zomboleki, nezinye izici ezihlukahlukene.Yize umugqa wesikhathi usuwonke ungasukela ezinsukwini ezingama-30 kuye kwezingama-60, abafake izicelo abakhuthele nabahlelekile bangase baqedele inqubo ngempumelelo.

Uma ubheke ukufaka isicelo semali mboleko kumabolekisi wezindlu, ukuqonda le migqa yesikhathi nokuzilungiselela kungasiza ukuhlela inqubo futhi wenze uhambo lwakho lokuthenga ikhaya lube bushelelezi.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.