11/15/2023

Emkhakheni wokuxhasa ngezimali ekhaya,Ayikho Idokhumenti Ayikho Ikhredithiimikhiqizo yempahla ebolekwayo iwubufakazi bokuqanjwa kabusha kwemboni kanye nokuzivumelanisa nezimo, okuphawuleka kakhulu kulabo uhlelo lokubikwa kwezikweletu oluvamile olungenzi kubo ubulungiswa.Lolu hlobo lwezindlu ezibolekiwe akuwona nje umkhiqizo wezezimali kodwa luyisibani sethemba kwabaningi abazoba ngabanikazi bezindlu.

Inzuzo 'Awukho Umbiko Wesikweletu'

Ukwephula Umgoqo Wezikweletu
Umbiko wezikweletu uvame ukubonwa njengesibuko sezimali esibonisa iminyaka yokuziphatha komuntu ezezimali.Nokho, kwabanye, lokhu kubonakaliswa akukona ukumelwa kweqiniso kwamandla abo ezezimali noma amandla abo.Nakhu laphoAyikho Idokhumenti Ayikho Ikhredithiama-mortgages ayakhanya ngempela.

Ukukhipha Izintambo Emlandweni Wesikweletu: Abantu abaye babhekana nokuwohloka kwezimali noma abanokuziphatha okungekona okwesiko kwezezimali bavame ukuzithola besenkingeni.Isici esithi 'Akukho mbiko wesikweletu' siyabakhulula, sibanikeze amathuba asekelwe eqinisweni labo lamanje lezezimali, hhayi okwedlule.
Ukulondolozwa Kobumfihlo: Kubaboleki abathintekayo mayelana nobumfihlo, isici sombiko wokuthi akukho sikweletu sisho ibhizinisi elincane elicubungula umlando wabo wezezimali, linikeza umuzwa wokugcinwa kuyimfihlo nokulawula ulwazi lwabo lomuntu siqu.

Ukubandakanywa Kwezezimali
Itshe legumbi leAyikho Idokhumenti Ayikho Ikhredithiizindlu zokubolekwa kwempahla wukubandakanywa.Kwelula iphupho lokuba ngabaninikhaya kulabo abakhishwe ngokuhlelekile emikhiqizweni yempahla yezindlu.

Izakhamizi Zomhlaba Wonke: Umhlaba ohlangene, futhi njengoba abantu behamba beqa imingcele, umlando wabo wezikweletu ngokuvamile awulandeli.Lezi zindlu ezibolekiwe zinikeza abantu bangaphandle ithuba lokutshala impahla ngaphandle kokukhubazeka ngenxa yokuntula umlando wendawo wezikweletu.
Izindaba Zempumelelo Yokuzenzela: Osomabhizinisi nabantu abazisebenzayo imibiko yabo yezikweletu ingabonisi impumelelo yabo bathola ozakwethu kulezi zimalimboleko.

Ngale kokuthi 'Awukho Umbiko Wesikweletu
Izinzuzo zeAyikho Idokhumenti Ayikho Ikhredithiizikweletu zendlu zidlulela ngalé kokungabikho kwemfuneko yombiko wesikweletu.Bahlanganisa ifilosofi eyazisa uhlobo olubanzi lwezempilo yezezimali futhi eqaphela imithombo yemali engenayo eyahlukahlukene.

Ukwamukela Ukuqinisekiswa Kwemali Ehlukile
Izinhlelo Zezitatimende Zebhange: Kulabo abangabonisa ukuzinza kwezezimali ngokufaka imali ebhange engashintshi,Ayikho Idokhumenti Ayikho Ikhredithiimali mboleko inikeza indlela esebenzayo yokuba ngumnikazi wendlu.
Izimalimboleko Zokusetshenziswa Kwempahla: Uma unempahla ebalulekile, lezi zingasetshenziswa ukuze kuzuze wena, ngisho nangaphandle kokungena okuvamile kwemali engenayo.

Ukuhlukahluka Kwemikhiqizo
Imali Ebolekiwe Yemali Engenayo Eshiwo: Kwesinye isikhathi ebizwa ngokuthi “imalimboleko yamanga” esikhathini esedlule, imali mboleko eshiwo namuhla ishintshile.Manje sebesebenzela amaklayenti angakwazi ngempela ukukhokhela i-mortgage kodwa angenayo ubufakazi bendabuko bemali engenayo.
Izimalimboleko Zokugeleza Kwemali Yabatshalizimali: Kubatshalizimali bezindlu ezithengiswayo, lezi zimali mboleko zisekela ukugunyazwa ekungeneni kwemali yendawo, hhayi iholo lomuntu.

Ukuzulazula ku-No Doc Landscape

Ulwazi lungamandla
Imfundo mayelana nemininingwane yeAyikho Idokhumenti Ayikho Ikhredithii-mortgages ibalulekile.Abafuna ukuboleka kufanele baqonde imigomo, amandla ezilinganiso zenzalo ephakeme, kanye nesizathu salezi zilinganiso—isinxephezelo sobungozi bomboleki ekulahleni amasheke esikweletu avamile.

I-Ecosystem Entsha Yezezimali
Kubabolekisi: Lo mkhiqizo unikeza indlela yokunikeza ingxenye ekhulayo yemakethe eqinile ngokwezimali kodwa enganakwa.
Kubaboleki: Imele ithuba lokuba nomuzi, ithuba okungenzeka lingafinyeleleki ngenye indlela.

Umthelela Wezomnotho
Ukuthuthukisa Izilinganiso Zobunikazi Bekhaya: Ngokunikeza izindlela ezengeziwe zokugunyazwa kwempahla yendlu, le mikhiqizo ingaba nomthelela emazingeni aphezulu obunikazi bezindlu.
Ukuvuselela Umnotho: Ukuthenga ikhaya kuvame ukuholela ekusetshenzisweni kwemali okwengeziwe emikhakheni ehlobene, ngaleyo ndlela kukhuthaze umnotho.

Indlela Enomthwalo Wemfanelo

Izingozi Nezibopho
Nakuba kugxilwe ezinzuzweni, kubalulekile futhi ukubhekana nemithwalo yemfanelo eyengeziwe ebekwe kubo bobabili obolekayo kanye nomabolekisi.Ababolekayo kumele baziphathe kahle ngokwezimali, futhi ababolekisi kumele bazijwayeze ngokucophelela ngaphandle kwenethi yokuphepha yemibiko yezikweletu.

Umbono Olinganiselayo
Iziteki Eziphakeme: Iziteki ziphakeme kuzo zombili izinhlangothi, okudinga ukuqondana ngezingozi nemivuzo.
Ukuhlola Okubanzi: Ababolekisi bangasebenzisa amanye amathuluzi okuhlola ubungozi ukuze baqinisekise ukuzinza kwezezimali zomboleki.

Isiphetho: Ikusasa Lokungabi NaDokotela Akukho Mkhiqizo Wesikweletu

Isici esithi 'Awukho umbiko wesikweletu' seAyikho Idokhumenti Ayikho Ikhredithiumkhiqizo awuyona nje i-niche;yisixazululo sokubheka phambili somhlaba wezezimali ohlukahlukene.Kungumkhiqizo okhule usuka ezifundweni zesikhathi esidlule, oklanywe ngokuguquguquka ukuze uvumelane nobunzima bempilo yesimanje yezezimali.Njengoba isimo sezezimali sithuthuka, kanjalo nemikhiqizo esebenzela abahlanganyeli abahlukahlukene, iqhubeka nokuvulela abaningi abafuna ukuzinza nokuchuma okungalethwa ubunikazi bezindlu.

Ividiyo:Uguquko Lwezezimali: Izinzuzo Zokungabi NaDokotela Akukho Mkhiqizo Wesikweletu

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.