Njengoba isimo sezezimali sithuthuka, kanjalo nezinketho ezitholakalayo kubantu abafuna imali ebolekiwe kanye nezindlu ezibolekiwe.Kule nkathi yokusungula izinto ezintsha, izikweletu ezingezona ezendabuko kanye nezindlu ezibolekiwe ziye zavela njengenye indlela eguquguqukayo kunoxhaso oluvamile.Lesi sihloko sihlola ubunkimbinkimbi balezi zixazululo zezezimali ezingezona ezendabuko, sikhanyisela izici zazo, izinzuzo, nokucatshangelwa.

Ukwembula Imali Ebolekiwe Okungeyona Yendabuko Nemalimboleko

1. Ukuchaza Uxhaso Lwezimali Okungezona Lwendabuko:

• Izimali mboleko ezingezona ezendabuko kanye nezindlu ezibolekiwe zimelela ukusuka kumamodeli ajwayelekile okuboleka anikezwa amabhange endabuko.
• Ihlanganisa izinhlobonhlobo zemikhiqizo yezezimali eklanyelwe ukubhekelela abantu abanamaphrofayili ezezimali ahlukile noma labo abafuna ezinye izindlela zezakhiwo ezijwayelekile zokubolekwa kwempahla.

2. Izici Ezibalulekile Zokuxhasa Ngezimali Okungezona Zendabuko:

• Imibandela Yokufaneleka Evumelana Nezimo: Ngokungafani nemalimboleko evamile, uxhaso olungajwayelekile luvame ukuba nezimfuneko zokufaneleka ezivumelana nezimo, ezivumela ababoleki abanezizinda zezezimali ezihlukahlukene.
• Izakhiwo Ezintsha: Lawa mathuluzi ezezimali angase afake izakhiwo ezintsha ezifana nemalimboleko yenzalo kuphela, ama-mortgage esilinganiso esishintshwayo (ama-ARM), noma imali mboleko enemibandela yokukhokha ehlukile.
• Ababolekisi Abakhethekile: Izimali mboleko okungezona ezendabuko zivame ukunikezwa ababolekisi abakhethekile, okuhlanganisa ababolekisi be-inthanethi, izinyunyana zezikweletu, nezikhungo ezizimele zokuboleka.

Ukuhlola Izinzuzo Zokuthola Imali Okungeyona Yendabuko

1. Ukubandakanywa kanye nokufinyeleleka:

• Izimali mboleko okungezona ezendabuko zinikeza ukufinyelela ekuxhaseni ngezimali abantu abangase babhekane nezinselele zokufanelekela ukubolekwa kwendabuko ngenxa yemithombo yemali engenayo engajwayelekile noma umlando wesikweletu.

2. Izixazululo Ezihlanganisiwe:

• Ababoleki ngokuvamile bangathola izixazululo ezihambisanayo ezihambisana nezidingo zabo zezezimali ezithile kanye nemigomo, okuvumela ukuzizwisa komuntu siqu kokuboleka.

3. Izinqubo Zokugunyaza Ezisheshayo:

• Ababolekisi okungebona bendabuko bangase basebenzise izinqubo ezilula, okuholela ezikhathini zokugunyazwa ezisheshayo uma kuqhathaniswa nemigqa yesikhathi evame ubude ehlobene nezikhungo zezezimali zendabuko.

4. Izakhiwo ezihlukene zemalimboleko:

• Ababoleki bangakhetha ezinhlobonhlobo zezakhiwo zemalimboleko, okuhlanganisa izinkokhelo zenzalo kuphela, ama-ARM ayingxube, noma imali mboleko enenye indlela yokubhala ngaphansi.

5. Ukuqamba Okusha Kwezobuchwepheshe:

• Ababolekisi abaningi okungebona bendabuko basebenzisa ubuchwepheshe ukuze bathuthukise ulwazi lokuboleka, banikeze izicelo eziku-inthanethi, ukugunyazwa okusheshayo, neziteshi zokuxhumana eziphumelelayo.

Okucatshangelwayo Ngaphambi Kokukhetha Ukuthola Imali Okungeyona Yendabuko

1. Izilinganiso Zenzuzo Nemibandela:

• Linganisa izilinganiso zenzalo nemibandela ehlotshaniswa nezimali mboleko okungezona ezendabuko.Nakuba zingakunikeza ukuguquguquka, kubalulekile ukuqinisekisa ukuthi imigomo ihambisana nemigomo yakho yezezimali yesikhathi eside.

2. Qonda Izakhiwo Zokukhokha:

• Qonda ubunkimbinkimbi bezinhlaka zokukhokha, ikakhulukazi uma ukhetha amamodeli aqanjwa kabusha njengemali mboleko enenzalo kuphela.Qaphela ukuthi izinkokhelo zizoshintsha kanjani ngokuhamba kwesikhathi.

3. Ukwethembeka Komboleki:

• Cwaninga ukwethembeka kombolekisi ongeyena owendabuko.Bheka izibuyekezo, ubufakazi, futhi uqinisekise ukuthi bathobela izinqubo zokuboleka ezilungile.

4. Amathuba Okulungiswa Kwezilinganiso:

• Ngemali ebolekiwe enesilinganiso esilungisekayo, qonda amandla okulungiswa kwezinga ngokuzayo.Zilungiselele izinguquko ezinkokhelweni zakho zanyanga zonke.

5. Ukuthobela Umthetho:

• Qinisekisa ukuthi umbolekisi ongeyena owendabuko uthobela izindinganiso zokulawula.Qinisekisa ukuthi banelayisense futhi bagunyaziwe ukuhlinzeka ngezinsizakalo zezezimali.

Isiphetho

Izimali mboleko okungezona ezendabuko kanye nezindlu ezibolekiwe zimelela inguquko eguquguqukayo emkhakheni wezezimali zomuntu siqu, ezinikeza izixazululo ezintsha zezinhlobonhlobo ezihlukahlukene zababoleki.Nakuba izinzuzo zokuhlanganisa, ukufinyeleleka, kanye nezixazululo ezihambisanayo ziphoqeleka, ukukhuthala ukuqonda izilinganiso zenzalo, izakhiwo zokukhokha, kanye nokwethembeka kombolekisi kubaluleke kakhulu.Ngokwamukela amathuba avezwa uxhaso lwezimali olungajwayelekile kanye nokwenza izinqumo ezinolwazi, ababoleki bangakwazi ukuzulazula kulo mkhakha oguqukayo ngokuzethemba, bathole izixazululo zezimali ezihambisana nezidingo nezimo zabo ezihlukile.