11/21/2023

Ukwembula Uhambo Lokugunyaza Umbolekisi Wesitolo esithengisa izinto ezithengiswayo

Ukuqala uhambo oluya emvumeni ye-wholesale lender kuhlanganisa ukuzulazula kunqubo ehlukile neguqukayo.Kungakhathaliseki ukuthi uchwepheshe embonini engumakadebona noma usanda kufika ohlola ukuboleka kwezitolo ezinkulu, ukuqonda izici ezihlukahlukene zale ndlela yokugunyaza kubalulekile.Kulo mhlahlandlela obanzi, sizodalula ubunkimbinkimbi benqubo yokugunyaza umbolekisi wezitolo, sikunikeze imininingwane namasu okuthuthukisa uhambo lwakho.

Ukuqonda I-Wholesale Lender Landscape

Ngaphambi kokungena enqubweni yokugunyaza, kubalulekile ukuqonda isimo sendawo yababolekisi abaningi.Ababolekisi bezitolo ezinkulu badlala indima ebaluleke kakhulu embonini yezindlu ezibolekwayo, basebenza njengabaxhumanisi phakathi kwama-mortgage broker nezikhungo zezezimali.Inqubo yabo yokugunyaza ibandakanya ukuhlola iziqinisekiso zabathengi bezindlu ezibolekwayo abafuna ukusebenzelana nabo.

I-Anatomy Yemvume Yokuboleka Isitolo esidayisa yonke impahla

1. Ukuhlolwa Kokuqinisekisa Komdayiseli: Indawo yokuhlola yokuqala kunqubo yokugunyaza umbolekisi wesamba esiphelele ukuhlola iziqinisekiso zomdayiseli.Lokhu kubandakanya ukuhlolwa okuphelele kokuhlangenwe nakho komthengisi, irekhodi lokulandela umkhondo, nokuhambisana nemithetho yemboni.
2. Ukuzinza Kwezezimali: Ababolekisi bezitolo ezinkulu bahlola ukuzinza kwezezimali kwabazoba ozakwethu.Lokhu kuhlanganisa ukuhlolisisa impilo yezezimali yomthengisi wezindlu, ukuqinisekisa ukuthi banamandla okuzulazula emakethe yezindlu nezindlu eguquguqukayo futhi evame ukungaqondakali.
3. Ukuqinisekisa Ukuthobelana: Ukuhambisana nemithetho yemboni akuxoxiswana ngayo.Ababolekisi bezitolo ezinkulu baqinisekisa ngokucophelela ukuthi abathengisi bezindlu ezibolekiwe banamathela kuyo yonke imithetho efanele kanye nezindinganiso zokuziphatha.Lokhu kufaka phakathi ukubuyekezwa okuphelele kokunikezwa kwelayisensi, izitifiketi, nokuhambisana nemithetho yokuboleka.
4. Ukuhlanganiswa Kwezobuchwepheshe: Esikhathini sedijithali, ubuchwepheshe budlala indima ebalulekile embonini yezindlu ezibolekiwe.Ababolekisi bezitolo zezitolo bavame ukuhlola ingqalasizinda yezobuchwepheshe kanye namakhono abadayisi bezindlu, baqinisekise ukuhambisana nokusebenza kahle ngokubambisana.
5. Irekhodi Lokulandelela Lokuthunyelwa Kwekhwalithi: Ababolekisi bezitolo ezinkulu babeka phambili abathengisi ngerekhodi lokuthumela izicelo zemali mboleko zekhwalithi ephezulu.Lokhu kubandakanya ukubuyekezwa kokunemba nokuphelela kokuthunyelwa kwangaphambilini, ukunciphisa amaphutha kanye nokwenza lula inqubo yokugunyaza.

Amasu Okuthola Imvume Yokuboleka Isitolo esidayisa yonke impahla esingenazihibe

1. Thuthukisa Ukuqinisekisa Komdayiseli: Abathengisi bezindlu ezibolekiwe abafuna ukugunyazwa ngababolekisi abakhulu kufanele bagxile ekuthuthukiseni iziqinisekiso zabo.Lokhu kufaka phakathi ukuthola izitifiketi ezifanele zemboni, ukukhombisa irekhodi eliyimpumelelo, kanye nokukhombisa ukuzibophezela ekuthuthukisweni kochwepheshe.
2. Qinisekisa Ukulungela Kwezezimali: Ukuzinza kwezezimali kuyisisekelo sokugunyazwa kwe-wholesale.Ama-mortgage broker kufanele alawule izimali zawo ngokuqhubekayo, agcine amaphuzu esikweletu anempilo, futhi abonise amandla ezezimali okusingatha izidingo zemakethe yezindlu ezibolekiwe.
3. Beka Eqhulwini Ukuthobela kanye Nokubambelela Ngokulawula: Ukuhlala unolwazi ngemithetho yemboni kanye nokuqinisekisa ukuthi ukuthotshelwa komthetho kubalulekile.Abadayisi bezindlu kufanele batshale imali emfundweni eqhubekayo, bagcine amalayisense akamuva, futhi bahambisane nezindinganiso zokuziphatha ukuze bahlangabezane nemibandela eqinile ebekwe ababolekisi bezitolo ezinkulu.
4. Tshala Kungqalasizinda Yezobuchwepheshe: Ukwamukela ubuchwepheshe akuwona nje umkhuba;kuyisidingo esimweni sesimanje se-mortgage.Abathengisi bezindlu kufanele batshale imali kubuchwepheshe obuthuthukisiwe ukuze baqondise izinqubo, bathuthukise ukuxhumana, futhi bahambisane nokulindelwe kwedijithali kwababolekisi bezitolo ezinkulu.
5. Yakha Iphothifoliyo Yokuthunyelwa Kwekhwalithi: Abadayisi bezindlu bangakwazi ukuzihlukanisa ngokuthumela njalo izicelo zemali mboleko yekhwalithi ephezulu.Lokhu kuhilela ukunaka ngokucophelela imininingwane, imibhalo ephelele, nokuzibophezela ekunikezeni ababolekisi bezitolo ezinkulu ukuthunyelwa okusiza ukucutshungulwa kahle.

Isiphetho

Inqubo yokugunyaza umbolekisi wezitolo iwuhambo olunezici eziningi oludinga indlela yasu evela kubadayisi bezindlu.Ngokuqonda imibandela ebekwe ababolekisi bezitolo ezinkulu, ukuqinisa iziqinisekiso, ukuqinisekisa ukuzinza kwezezimali, ukubeka phambili ukuthobela imithetho, ukwamukela ubuchwepheshe, kanye nokuletha ukuthunyelwa kwekhwalithi ngokungaguquki, abadayisi bezindlu ezibolekiwe bangazulazula le ndlela ngokuzethemba.Njengoba isimo semali mboleko siqhubeka nokuvela, ukugunyazwa kwemalimboleko yezitolo ezinkulu akubi nje inqubo kodwa ubambiswano lwesu phakathi kwabathengi nababolekisi ekuqhubekiseleni phambili imboni.

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.