12/05/2023

Ukuzulazula ku-Landscape of Loans for International Buyers

Kubantu abavela phesheya abaphupha ngokuba nemizi e-United States, umbuzo uvame ukuvela: “Imuphi umbolekisi ongamukela imali ebolekiwe yangaphandle?”Lo mhlahlandlela uhlose ukuhlinzeka ngemininingwane kokucatshangwayo, izinketho, kanye nezici ezibalulekile ezihlobene nokuthola imalimboleko njengomuntu wangaphandle, okwenza uhambo olubheke kubunikazi bezindlu base-US lufinyeleleke futhi lube nolwazi.

Ukuqonda Izidingo Eziyingqayizivele Zabantu Bangaphandle

Njengomuntu wangaphandle, indlela yokuthola imali ebolekwayo e-US ihlanganisa ukuzulazula ezinseleleni ezithile, okuhlanganisa umehluko wezinhlelo zokubikwa kwezikweletu, izinqubo ezihlukene zokubhalwa kwemali engenayo, kanye nemithelela engase ibe khona yezomthetho neyentela.Ukuthola umbolekisi oqonda lezi zidingo eziyingqayizivele kubalulekile ukuze kube nenqubo elula nephumelelayo yokuthenga ikhaya.

Izici Zababolekisi Abamukela Imali Ebolekiwe Yamazwe Angaphandle

1. Ukuqonda Okukhethekile Kwezezimali Zomhlaba:
   • Uhlolojikelele: Ababolekisi abazimisele ukwamukela imali ebolekiwe yangaphandle banokuqonda okukhethekile kwezimo zezezimali zomhlaba wonke, okuvuma ukuhlukahluka kwemithombo yemali engenayo nezinhlelo zokubika ngezikweletu.
   • Umthelela: Izakhamuzi zakwamanye amazwe ziyazuza endleleni elungiselelwe kakhudlwana nevumelana nenqubo yokufaka isicelo semalimboleko.
2. Izidingo Zokubhala Ezivumelanayo:
   • Uhlolojikelele: Ababolekisi abaphakela abantu bangaphandle bavame ukuba nezidingo zamadokhumenti ezivumelana nezimo, bebona ukuhluka kwezinqubo zokubhala imali engenayo emazweni ngamazwe.
   • Umthelela: Ababoleki bahlangabezana nenqubo yokufaka isicelo ebushelelezi, ngokugcizelelwa okuncishisiwe kumaphepha omdabu ase-US-centric.
3. Isipiliyoni Ngomlando Wezikweletu Okungewona Wase-US:
   • Uhlolojikelele: Laba babolekisi bajwayele ukuhlola ukufaneleka kwekhredithi ngokusekelwe emlandweni wezikweletu wamazwe ngamazwe, okuvumela ukuhlolwa okubandakanya kakhulu.
   • Umthelela: Izizwe zakwamanye amazwe ezinomlando wesikweletu olinganiselwe noma ongenawo wase-US zisengakwazi ukuthola imalimboleko ngokusekelwe kurekhodi labo lezezimali lomhlaba wonke.

Izinzuzo Nokucatshangelwa Kwababoleki

1. Ukufinyelela Ezimakethe Zezindlu Zase-US:
   • Inzuzo: Ababolekisi abamukela imali ebolekiwe yangaphandle bavulela abathengi bamazwe ngamazwe ithuba lokutshala izimali ezimakethe zezindlu zase-US.
   • Ukucatshangelwa: Ababoleki kufanele bazi ngemithelela yentela engaba khona kanye nezimfuneko zomthetho ezihlobene nokuba ngumnikazi wendawo e-United States.
2. Izixazululo Zenziwe Ngokwezifiso Zezezimali Zamazwe Ngamazwe:
   • Inzuzo: Laba babolekisi baqonda izinselele zokuphatha izimali zemingcele, banikeze izixazululo ezihlangabezana nezidingo ezihlukile zabantu bangaphandle.
   • Ukucatshangelwa: Ababoleki kufanele babuyekeze ngokucophelela futhi baqonde imigomo yemalimboleko, okuhlanganisa amanani enzalo nezinkokhelo.
3. Inqubo Yokufaka Isicelo Elula:
   • Inzuzo: Ukugcizelelwa okuncishisiwe kwemibhalo yemali engenayo ngokuvamile kuholela enqubweni yesicelo esheshayo nelula kakhudlwana.
   • Ukucatshangelwa: Ababoleki kufanele bagcine ukuqonda okucacile kwemigomo futhi baqinisekise ukuthi isivinini sokugunyazwa sihambisana necebo labo lezezimali lilonke.

Ukucatshangelwa Kwababoleki

1. Imithelela Yezomthetho Nentela:
   • Okunconyiwe: Funa iseluleko sezomthetho nesentela ukuze uqonde imithelela yokuba ngumnikazi wendawo e-US njengomuntu wangaphandle.
2. Ukubuyekezwa Okuphelele Kwemigomo Yemalimboleko:
   • Okutuswayo: Yenza ukubuyekezwa okuphelele kwemibandela yemalimboleko, okuhlanganisa amanani enzalo, amashejuli okukhokha, nanoma yiziphi izinhlawulo ezingaba khona.
3. Usizo Lochwepheshe:
   • Isincomo: Bandakanya ochwepheshe, njengabasebenzeli bezindlu kanye nabeluleki bezezimali, abanokuhlangenwe nakho ekusebenzeni nabantu bangaphandle ukuze bazulazule ezinkingeni zenqubo.

Ukuzulazula kunqubo yohlelo lokusebenza

1. Ukuxhumana Okucacile Nababolekisi:
   • Isiqondiso: Gcina ukuxhumana okuvulekile nokusobala nababolekisi abangochwepheshe bemali mboleko yangaphandle ukuze uqinisekise ukuqonda okucacile kwenqubo yesicelo kanye nezidingo zombhalo.
2. Ukuqinisekiswa Kwemibhalo Yezezimali Yomhlaba Wonke:
   • Isiqondiso: Zilungiselele ukunikeza imibhalo ephelele yemilando yezimali yomhlaba wonke, okuhlanganisa nezitatimende zemali engenayo, imibiko yezikweletu, namanye amarekhodi ezezimali afanelekile.
3. Ukwesekwa Kwezomthetho Uma Kudingeka:
   • Isiqondiso: Uma kubhekwa isimo samazwe ngamazwe salokhu kuthengiselana, ukufuna ukwesekwa kwezomthetho kunganikeza imininingwane yezinkinga ezingokomthetho ezingaba khona futhi kuqinisekise ukuthotshelwa kwemithetho yase-US.

Isiphetho: Ukuvula Iminyango Kubunikazi Bekhaya Bomhlaba Wonke

Ukuthola umbolekisi ofanele ongamukela imalimboleko yangaphandle kuyisinyathelo esibalulekile sokwenza amaphupho obunikazi bezindlu abe ngokoqobo kubantu abavela emhlabeni wonke.Nakuba laba babolekisi behlinzeka ngendlela yokuba umninikhaya wamazwe ngamazwe, ababoleki kufanele babhekane nenqubo ngokucubungulisisa imithelela yezomthetho, yezezimali, neyentela.Ngokuzulazula ebunzimeni bokusebenza nababolekisi ngemali mboleko yangaphandle ngokukhuthala nangokuqwashisa, abathengi bamazwe ngamazwe bangakwazi ukuguqula umbono wabo wokuba ubunikazi bendawo e-US ube yiqiniso elibonakalayo nelifinyelelekayo.

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.