11/02/2023

Uma usemakethe yendlu entsha noma ucabangela ukubuyisela kabusha imali yakho yendlu ebolekiwe, ukuqonda inqubo yokuhlolwa kwekhaya kanye nomthelela wayo esilinganisweni sakho semalimboleko kubalulekile.Kulo mhlahlandlela ophelele, sizohlola ubunkimbinkimbi bokuhlolwa kwezindlu, ukuthi kunathonya kanjani izinga lakho lemali ebolekiwe, nokuthi yiziphi izindleko ezihlotshaniswa nenqubo.

Inqubo Yokuhlola Ikhaya

Ukuhlolwa kwekhaya ukuhlola okungachemi kwenani lesakhiwo okwenziwa umhlaziyi onelayisensi noqinisekisiwe.Kuyisinyathelo esibalulekile ohlelweni lokubolekwa kwezindlu njengoba kuqinisekisa ukuthi inani lendawo lihambisana nenani lemalimboleko oyifunayo.

Inqubo yokuhlola ngokuvamile ihlanganisa lezi zinyathelo ezilandelayo:

1. Ukuhlola

Umhloli uvakashela indawo ukuze ahlole isimo sayo, usayizi nezici zayo.Baphinde bacabangele indawo yendawo kanye nanoma yiziphi izici zangaphandle ezingase zithinte inani laso.

2. Ukuhlaziywa Kwemakethe

Umhloli ubuyekeza ukuthengiswa kwakamuva kwezakhiwo ezifanayo endaweni.Lokhu kuhlaziya kusiza ukunquma inani lendawo ngokususelwe kumathrendi emakethe.

3. Ukulinganiswa Kwezakhiwo

Esebenzisa idatha eqoqwe ngesikhathi sokuhlolwa nokuhlaziywa kwemakethe, umhlaziyi ubala inani elilinganiselwe lendawo.

4. Bika isizukulwane

Umhlaziyi uhlanganisa umbiko ophelele ohlanganisa inani elilinganiselwe lesakhiwo, indlela yokusebenza esetshenzisiwe, nanoma yiziphi izici ezibe nomthelela ekulinganisweni.

Umthelela ku-Mortgage Rate

Ukuhlolwa kwekhaya kudlala indima ebalulekile ekunqumeni izinga lakho lemali ebolekiwe.Nansi indlela:

1. I-Loan-to-Value Ratio (LTV)

Isilinganiso se-LTV siyisici esibalulekile ekubolekeni kwezindlu.Ibalwa ngokuhlukanisa inani lemalimboleko ngenani elilinganisiwe lesakhiwo.Isilinganiso esiphansi se-LTV sivuna ababoleki, njengoba sisho ubungozi obuphansi komabolekisi.Ingcuphe ephansi ingaholela esilinganisweni esincintisanayo se-mortgage.

2. Amanani enzalo

Ababolekisi banikeza amanani emali ebolekiwe ahlukene ngokusekelwe engcupheni.Uma ukuhlolwa kwembula ukuthi indawo ibaluleke ngaphezu kwenani lemalimboleko, yehlisa ubungozi bomboleki.Ngenxa yalokho, ungase ufaneleke ukuthola inani lenzalo eliphansi, okungase kukulondolozele izinkulungwane zamaRandi phakathi nokuphila kwemali mboleko.

3. Ukuvunyelwa Kwemalimboleko

Kwezinye izimo, ukuhlolwa kwekhaya kungase kube nomthelela ekugunyazweni kwakho kwemali mboleko.Uma inani elilinganisiwe lehla kakhulu enanini lemalimboleko, ungase udinge ukuletha imali eyengeziwe etafuleni ukuze uhlangabezane nezimfuneko ze-LTV zomboleki.

Izindleko Zokuhlola Ikhaya

Izindleko zokuhlolwa kwekhaya zingahluka kuye ngezinto ezifana nendawo, usayizi wendawo, nokuba yinkimbinkimbi.Ngokwesilinganiso, ungalindela ukukhokha phakathi kuka-$300 no-$450 ukuze uthole ukuhlolwa okujwayelekile komndeni owodwa.Izindleko ngokuvamile zikhokhwa ngumboleki futhi zifuneka ngesikhathi sokuhlolwa.

Izinselele Zokuhlola

Nakuba ukuhlolwa kwekhaya ngokuvamile kuqondile, ngezinye izikhathi kungaletha izinselele.Izinto ezifana nesakhiwo esiyingqayizivele, ukuthengiswa okulinganiselwe okuqhathanisekayo, noma ukushintsha kwemakethe kungenza inqubo yokuhlola ibe nzima.Ezimweni ezinjalo, kubalulekile ukusebenzisana eduze nombolekisi wakho ukuze uthole izixazululo eziqinisekisa ukuhlaziya okushelelayo.

Isiphetho

Ukuhlolwa kwekhaya kuyingxenye ebalulekile yenqubo yokubolekwa kwezindlu, okunomthelela esilinganisweni sakho semali mboleko, ngenxa yalokho, izindleko zokuba ngumninikhaya.Ukuqonda inqubo yokulinganisa, umthelela wayo emigomeni yakho yemali mboleko, kanye nezindleko ezihambisanayo kubalulekile ekuthathweni kwezinqumo unolwazi.Kungakhathaliseki ukuthi ungumthengi wekhaya okokuqala ngqa noma umnikazi wendlu ofuna ukuphinde uthole imali, ukwazi ukuthi yini engaphakathi kanye nephumayo yokuhlolwa kwekhaya kuzokusiza ukuthi uzulazule esimweni se-mortgage ngokuzethemba.

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.