Esimeni esiguquguqukayo sokubolekwa kwezindlu, abathengisi bafuna ubudlelwano nababolekisi abangaqondi nje kuphela izidingo zabo ezihlukile kodwa futhi abanikeze amanani ancintisanayo.Lo mhlahlandlela uhlola ukubaluleka kwamazinga ancintisanayo kubathengi, ucubungula ukuthi yini eyenza ababolekisi abathile bahluke, futhi unikeza imininingwane kubathengi ekuzulazuleni emakethe ukuze bavikele imigomo evuzayo kumakhasimende abo.

Ukuqonda Iqhaza Lezilinganiso Zokuncintisana

Amanani ancintisanayo ayinsika yobudlelwano obuphumelelayo bomthengisi nombolekisi.Abathengisi bahlala belwela ukunikeza amakhasimende abo izinketho ezikhanga kakhulu zezimali, futhi amanani enzalo ahlinzekwa ababolekisi aba nomthelela omkhulu ezindlekweni zizonke zesikweletu sendlu.Ababolekisi abanikeza amanani ancintisanayo banika abadayisi amandla ukuze bethule izixazululo eziphoqelelayo zezezimali kumakhasimende abo, okugqugquzela ukwethembana nokwaneliseka.

Izimpawu Ezisemqoka Zababolekisi abanezilinganiso ezincintisanayo

1. Ukuqwashisa ngezimakethe kanye nokuvumelana nezimo

Ababolekisi abanamanani ancintisanayo bahlala behambisana namathrendi emakethe futhi bayashesha ukuzivumelanisa nezimo zezomnotho ezishintshayo.Ukuqaphela kwabo kubavumela ukuthi banikeze amanani angaqhudelani kuphela okwamanje kodwa futhi abekwe endaweni yokuhlala ekhanga esikhathini esizayo.Ama-brokers ayazuza ekusebenzisaneni nababolekisi ababonisa lokhu kuqonda kusengaphambili.

2. Imikhiqizo Ehlukene Yemalimboleko

Ababolekisi abanikeza amanani ancintisanayo bavame ukuhambisana nentengo yabo ngezinhlobonhlobo zemikhiqizo ebolekiwe.Lokhu kwehlukahlukana kuvumela ama-broker ukuthi ahlinzekele amaklayenti anamaphrofayili ezezimali ahlukahlukene kanye nezidingo.Kungakhathaliseki ukuthi imali ebolekiwe enenani elimisiwe, imali ebolekiwe enenani elishintshwayo, noma imikhiqizo ebolekiwe ekhethekile, ukuba nezinketho kuthuthukisa ikhono lomthengisi lokuhlanganisa izixazululo ezidingweni zeklayenti ngalinye.

3. Ukucubungula Okuphumelelayo Nezikhathi Zokushintsha

Ukusebenza kahle ekucubunguleni imalimboleko kungolunye uphawu lwababolekisi abanamanani ancintisanayo.Abadayisi bayabazisa ababolekisi abalula inqubo yokugunyaza futhi banikeze izikhathi zokushintsha ngokushesha.Lokhu kusebenza kahle akuzuzisi nje kuphela ama-broker ekukhonzeni amakhasimende abo ngokushesha kodwa futhi kunomthelela ekwazisweni okushelelayo kokuboleka.

4. Izakhiwo Zenkokhelo Esobala

Izakhiwo zezindleko ezisobala zibalulekile kubathengi abahlose ukunikeza amakhasimende ukuqonda okucacile kwezindleko ezihlobene ne-mortgage.Ababolekisi abahlinzeka ngamanani ancintisanayo bavame ukuhambisana nalokhu ngokungafihli lutho mayelana nezinkokhelo, okuvumela ama-broker ukuthi axhumane ngokukhululekile namakhasimende mayelana nezici zezezimali zomsebenzi.

5. Ukwakha Ubudlelwano Ngokuhlanganyela

Ababolekisi abakhuthaza ubudlelwano bokusebenzisana nabathengi basesimweni esingcono sokunikeza amanani okuncintisana.Ubambiswano oluqinile olwakhelwe ekuxoxisaneni nasekuqondeni okufanayo kuvumela izingxoxo eziguquguqukayo kakhulu ngamarates nemibandela.Abadayisi bazisa ababolekisi ababuka ubudlelwano njengokubambisana kunomsebenzi.

Amasu Abathengi Abafuna Izilinganiso Zokuncintisana

1. Ucwaningo Nokuqhathanisa

Abadayisi kufanele benze ucwaningo olunzulu ukuze bakhombe ababolekisi abanamanani ancintisanayo angaguquki.Ukuqhathanisa okunikezwayo njalo emakethe kuvumela abathengisi ukuthi bahlale benolwazi mayelana nokushintsha amathrendi.

2. Ukwakhiwa Kwezingxoxo Nobudlelwano

Ukuzibandakanya ezingxoxweni ezivulelekile nababolekisi kuyisu elibalulekile labathengi.Ukwakha ubudlelwano obuqinile kungaholela emagameni avuna kakhudlwana, njengoba ababolekisi bengase bazimisele kakhulu ukwamukela abadayisi ababathembayo.

3. Hlala Unolwazi Ngamathrendi Emakethe

Abathengi badinga ukuhlala benolwazi mayelana nezimakethe zemakethe nezinkomba zezomnotho.Ukuqonda izici ezithonya izilinganiso zenzalo kuvumela abathengisi ukuthi balindele izinguquko futhi bakhethe ababolekisi abanikeza amanani ahambisana nezimo zemakethe.

4. Hlukanisa Ubudlelwano Bomabolekisi

Ukwehlukanisa ubudlelwano nababolekisi abaningi kuyisu lokulawula ubungozi.Abathengi abanenqwaba yababolekisi abahlukahlukene bakuhlomele kangcono ukubhekana nokuguquguquka ezimakethe futhi bafinyelele amazinga ancintisanayo ngisho nasezimweni zezomnotho ezishintshayo.

Isiphetho

Ababolekisi abanamanani ancintisanayo bangozakwethu ababalulekile kubathengi abazulazula ezinkingeni zemboni yezezindlu.Njengoba abathengisi befuna ukuhlinzeka ngezixazululo zezezimali ezingcono kakhulu kumakhasimende abo, ukuqondanisa nababolekisi abanikeza amanani ancintisanayo kuyicebo elibalulekile.Lo mhlahlandlela ophelele ugcizelela ukubaluleka kwamazinga okuncintisana, uhlonza izici ezibalulekile zababolekisi abanjalo, futhi uhlinzeka ngamasu angenziwa ukuze abadayisi baqinisekise imigomo elungile kumakhasimende abo endaweni yemakethe yokuncintisana.