10/18/2023

Esimeni esiguquguqukayo sokuboleka kwezitolo ezinkulu, izinketho zokuqonda isilinganiso sokuthenga kubalulekile kubo bobabili ababolekisi nababolekayo.Ukuthengwa kwamanani entengo yethula indlela yasu yoxhaso lwezindlu, okuvumela ababolekayo ukuthi bathole amanani enzalo avumayo.Kulesi sihloko, sizohlola ubunkimbinkimbi bokuthengwa kwezilinganiso ekubolekeni kwezitolo ezinkulu, sihlole ukubaluleka kwakho, izinketho ezitholakalayo, kanye nomthelela kukho konke ukuzizwisa kwempahla yendlu.

Ukwembula Umqondo Wokuthengwa Kwezilinganiso

Iyini i-Rate Buydown?

Ukuthengwa kwesilinganiso kuhlanganisa ukukhokha imali ekhokhwa ngaphambili ukuze kwehliswe izinga lenzalo yemali ebolekiwe okwesikhashana.Le nkokhelo yangaphambilini, evame ukwaziwa ngokuthi “ukuthenga inani lentengo,” yehlisa izinkokhelo zenyanga zomboleki zendlu ebolekiwe phakathi neminyaka yokuqala yemali mboleko.Umqondo uzungeza ekunikezeni ababoleki ukuguquguquka nokufinyeleleka ezigabeni zokuqala zobunikazi bezindlu.

I-Mechanics Behind Rate Buydowns

Ukuthengwa kwezilinganiso kusebenza ngomgomo olula.Ababolekayo, noma ababolekisi, banikela ngezimali kusengaphambili kubabolekisi abakhulu.Ngembuyiselo, umbolekisi we-wholesale uyavuma ukwehlisa izinga lenzalo isikhathi esishiwo.Lokhu kutshalwa kwezimali kwangaphambili kungaholela ekongeni okukhulu kwababoleki, okwenza ubunikazi bezindlu bufinyeleleke kalula futhi bulawuleke, ikakhulukazi eminyakeni yokuqala.

Izinketho Ziyatholakala Ekuthengeni Isilinganiso

Ukuqonda izinketho ezahlukene zokuthenga amanani kubalulekile kubaboleki abafuna ukukhulisa imigomo yabo yemali mboleko.Nawa amasu okuthenga amanani ajwayelekile:

1. Ukuthenga Kwesikhashana (Amaphuzu Okukhokha)

Ababoleki bakhokha isamba semali kusengaphambili ukuze behlise inzalo yesikhathi esithile, ngokuvamile iminyaka yokuqala yemali mboleko.Lokhu kungaholela ezinkokhelweni eziphansi zanyanga zonke ngesikhathi sokuthenga.

2. Ukuthenga Okungapheli

Ukuthenga unomphela kubandakanya inkokhelo enkulu yangaphambili, okuholela esilinganisweni senzalo esingaguquki esiphansi saso sonke isikhathi semalimboleko.Leli su alivamile kangako kodwa lihlinzeka ngokulondoloza inzalo yesikhathi eside.

3. I-Buydowns Ekhokhelwa Umbolekisi

Kwezinye izimo, ababolekisi bangase babe negalelo ekuthengweni kwesilinganiso, ngokwengxenye noma ngokuphelele.Lokhu kungaba ilungiselelo okuxoxiswene ngalo phakathi komboleki kanye nomabolekisi.

Ukubaluleka Ekubolekweni Kwezitolo Ezithengiswayo

1. Inzuzo Yokuncintisana Yababolekisi

Ababolekisi bezitolo ezinkulu abahlinzeka ngezinketho zokuthenga ngesilinganiso esikhangayo bathola ukuncintisana.Abadayisi bezindlu ezibolekiwe bangaheha ababolekayo ngokwethula izinketho zezimali ngezinkokhelo eziphansi zokuqala, okwenza ubunikazi bezindlu bukhange kakhulu.

2. Ukufinyeleleka Kwababoleki

Ukuthengwa kwamanani kuthuthukisa ukufinyeleleka kwababolekayo, ikakhulukazi eminyakeni yokuqala ebalulekile yokuba ngabanikazi bezindlu.Izinkokhelo zokuqala eziphansi zingadambisa umthwalo wezezimali futhi zinikeze indawo yokuphefumula eyengeziwe kubanikazi bezindlu abasha.

3. Ukuguquguquka Kwezezimali

Ukuthengwa kwamanani kunikeza ukuguquguquka ekuxhaseni ngezimali, okuvumela ababolekayo ukuthi benze ngendlela oyifisayo imigomo yabo yemali mboleko ngokusekelwe ezinhlosweni zabo zezezimali kanye nezintandokazi zabo.Lokhu kuvumelana nezimo kunomthelela ekuzizwiseni komuntu siqu kanye nokwanelisayo kokuboleka.

Ukuthenga Isilinganiso Sokuzula: Umbono Womboleki

Kubaboleki abacabangela ukuthengwa kwesilinganiso, nazi izinyathelo ezibalulekile:

1. Hlaziya Izinjongo Zezezimali

Hlola imigomo yakho yezezimali futhi uhlole ukuthi ingabe ukuthengwa kwenani kuyahambisana yini nezinjongo zakho zobuninikhaya.Cabangela isabelomali sakho nezinhlelo zezimali zesikhathi eside.

2. Qonda Imigomo

Qonda kahle imigomo yokuthengwa kwesilinganiso, okuhlanganisa ubude besilinganiso senzalo esincishisiwe, izindleko zangaphambili, nanoma yiziphi izinguquko ezingaba khona esikhathini esizayo.

3. Xhumana Nezisebenzi Zokubolekwa Kwezindlu

Funa isiqondiso kochwepheshe bezindlu ezibolekiwe, okuhlanganisa nabadayisi nababolekisi.Bangakunikeza imininingwane ngezinketho zokuthenga amanani ezitholakalayo futhi bakusize wenze isinqumo unolwazi.

4. Qhathanisa Okunikezwayo

Thola amanani amaningi okunikezwayo kokuthenga futhi uwaqhathanise ukuze uhlonze imigomo enenzuzo kakhulu.Ungacabangi nje kuphela ngezindleko zangaphambili kodwa futhi nokonga kwesikhathi eside nomthelela wesu lakho lonke lezezimali.

Isiphetho

Izinketho zokuthenga isilinganiso ekubolekeni kwezitolo ezinkulu ziletha isici esibalulekile emalini yezindlu ezibolekwayo, okuzuzisa kokubili ababolekisi nababolekayo.Ukuqonda izinsimbi, ukuhlola izinketho ezitholakalayo, nokuzulazula kunqubo ngendlela egxile komboleki kunikela elwazini olubanzi nokwanelisayo lokuboleka.Njengoba imboni yezindlu ezibolekwayo iqhubeka nokuthuthuka, ukuthengwa kwenani lentengo kusalokhu kuyithuluzi lesu lokuthuthukisa ukufinyeleleka nokuhlinzeka ngezixazululo ezihambisanayo endaweni eguquguqukayo yokuboleka kwezitolo ezinkulu.

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.