10/18/2023

Ababolekisi bezitolo ezinkulu badlala indima ebaluleke kakhulu embonini yezindlu ezibolekwayo, basebenza njengabaxhumanisi phakathi kwabadayisi bezindlu kanye nezikhungo ezihlinzeka ngezimali.Abathengi, njengabahlanganyeli ababalulekile kule nqubo, bavame ukwabelana ngemininingwane ebalulekile ngobufakazi mayelana nolwazi lwabo nababolekisi bezitolo ezinkulu.Kulesi sihloko, sizocubungula ukubaluleka kobufakazi bomthengisi, sihlole ukuthi yini evezwayo mayelana nababolekisi bezitolo ezinkulu kanye nomthelela ekubolekeni kwempahla.

Ukuqonda Ababolekisi bezitolo ezinkulu

Ababolekisi bezitolo ezinkulu basebenza ngokunikela ngemikhiqizo ye-mortgage kuma-mortgage broker ngenani le-wholesale.Ama-mortgage broker abe esesebenza ngqo nababolekayo, bathola imali mboleko kulaba babolekisi bezitolo ezinkulu.Le modeli yebhizinisi ivumela abathengisi ukuthi bafinyelele uhla lwemikhiqizo ebolekiwe namazinga ancintisanayo, okuthuthukisa ikhono labo lokuhlangabezana nezidingo ezahlukahlukene zababoleki.

Ukubaluleka Kobufakazi Bomthengisi

Ubufakazi bomthengisi buhlinzeka ngama-akhawunti azibonela okusebenzelana nababolekisi bezitolo ezinkulu.Lobu bufakazi bunikeza umbono oyingqayizivele ngobudlelwano bomboleki nomthengisi, bukhanyisela izici ezihlukahlukene ezifana nalezi:

1. Ukuxhumana Nokusabela

Ubufakazi buvamise ukugqamisa ukusebenza kahle kokuxhumana phakathi kwabathengi nababolekisi bezitolo ezinkulu.Abadayisi bayabazisa ababolekisi abasabelayo, abanikeza izibuyekezo ezifika ngesikhathi futhi baphendule imibuzo ngokushesha.Ubufakazi obuhle buvamise ukugcizelela ukubaluleka kobambiswano lokusebenzisana nokuxoxisana.

2. Izinhlobonhlobo Zomkhiqizo Wokubolekwa

Ababolekisi bezitolo ezinkulu bayahluka ezinhlobonhlobo zemikhiqizo yemalimboleko abayinikezayo.Ubufakazi bomthengisi ngokuvamile buthinta ukuhlukahluka kwezinketho zemalimboleko ezitholakalayo, ezibonisa ababolekisi abahlinzeka ngemikhiqizo ehlukahlukene.Lokhu kubalulekile kubathengi abafuna ukuguquguquka ukuze bahlangabezane nezidingo ezithile zamakhasimende abo.

3. Amanani Wokuncintisana Nemibandela

Amanani okuncintisana kanye nemibandela evumayo yizinto ezibalulekile kubathengi lapho bekhetha ababolekisi bezitolo ezinkulu.Ubufakazi buvamise ukugqamisa ababolekisi abanikezela ngemibandela ekhangayo, okuvumela abathengisi ukuthi bathole amadili avumayo kumakhasimende abo.Lesi sici sibalulekile ekhonweni lomthengisi lokuhlala enokuncintisana emakethe.

4. Ukusebenza kahle Ekucubunguleni Imalimboleko

Ukucutshungulwa okusebenzayo kwemali mboleko kuyitimu evamile ebufakazini bomthengisi.Ababolekisi abenza lula ukugunyazwa kwemali mboleko kanye nenqubo yoxhaso bathola impendulo eyakhayo.Abadayisi bayabazisa ababolekisi ababeka phambili ukusebenza kahle, okubavumela ukuthi banikeze ulwazi olushelelayo kumakhasimende abo.

5. Ukwakha Ubudlelwano

Ubufakazi buvamise ukuveza ukubaluleka kokwakha ubudlelwano phakathi kwabathengi nababolekisi bezitolo ezinkulu.Ababolekisi abakhuthaza ubudlelwano obuqinile, obusebenzisanayo nabadayisi kungenzeka bathole ukunconywa ngobufakazi.Ukwakha ukwethembana nokuzwana kunomthelela ebudlelwaneni bokusebenza obukhiqizayo nobuyimpumelelo.

Ukufakaza Okusebenzayo Kwezinqumo Ezinolwazi

Kubathengi bezindlu ezibolekiwe abafuna ababolekisi bezitolo ezinkulu, ukufakaza ngobufakazi babathengi kuyindlela yamasu.Cabangela lezi zinyathelo ezilandelayo:

1. Ucwaningo Nokuqhathanisa

Cwaninga ababolekisi bezitolo ezinkulu futhi uhlanganise ubufakazi ukuze uthole ukuqhathanisa unolwazi.Bheka amaphethini kumpendulo ukuze uhlonze ababolekisi ngezibuyekezo ezinhle ezingaguquki.

2. Xhumana Noontanga Nochwepheshe Bemboni

Ukubonisana nontanga nochwepheshe bemboni kunganikeza imininingwane eyengeziwe.Ukuxhumana phakathi komphakathi we-mortgage kuvumela abadayisi ukuthi baqoqe izincomo kanye nokuhlangenwe nakho okuzibonela mathupha.

3. Ukusebenzisana Okuqondile Nababolekisi

Xhumana ngokuqondile nababolekisi bezitolo ezinkulu ezingaba khona.Sebenzisa ubufakazi njengesisekelo semibuzo mayelana nezinqubo zabo zokuxhumana, ukunikezwa kwemikhiqizo, kanye nendlela ephelele yobudlelwano nabathengi.

4. Izikhathi Zokulinga Nokusebenzisana Kwezinga Elincane

Cabangela ukuqalisa izikhathi zesivivinyo noma ukusebenzisana kwezinga elincane nababolekisi abakhethiwe.Lokhu okwenziwa ngezandla kuvumela abathengisi ukuthi bahlole ukuhambisana nokusebenza kobambiswano.

Isiphetho

Ubufakazi bomthengisi busebenza njengezinsiza ezibalulekile kubadayisi bezindlu abazulazula endaweni yababolekisi bezitolo ezinkulu.Le mininingwane inikeza amazwibela kokuhlangenwe nakho kontanga, isiza abathengisi ukuthi benze izinqumo ezinolwazi ezihambisana nezinjongo zabo zebhizinisi.Njengoba abathengisi beqhubeka nokwabelana ngobufakazi babo, ulwazi oluhlangene embonini luyakhula, lukhuthaze umphakathi wokubambisana nokuphumelela ekubolekeni kwezindlu.

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.