11/07/2023

Amazinga ekhomishana yomthengisi wezindlu ayingxenye ebalulekile yenqubo yokubolekwa kwezindlu.Njengomboleki noma othile onentshisekelo emakethe yezindlu, ukuqonda ukuthi lezi zilinganiso zisebenza kanjani kungaba yinzuzo.Kulo mhlahlandlela ophelele, sizohlola amanani ekhomishini ye-mortgage broker, ukuthi ayithinta kanjani imali mboleko yakho, nokuthi yini okufanele uyicabangele lapho usebenza nomthengisi wezindlu.

Ukuqonda Izilinganiso Zekhomishana Yomthengisi Wezindlu Zokuboleka

Ama-mortgage broker adlala indima ebalulekile ekuxhumaniseni ababolekayo nababolekisi.Basiza ababoleki ekutholeni umkhiqizo ofanele we-mortgage, banikeze izeluleko zochwepheshe, futhi basize ukuzulazula emhlabeni oyinkimbinkimbi wemali mboleko yezindlu.Njengembuyiselo yezinsizakalo zabo, abathengisi banxeshezelwa ngamanani ekhomishini.Nakhu okudingeka ukwazi:

1. Indlela Abathengi Abakhokhelwa Ngayo

Ama-mortgage broker angakhokhwa ngezinhlaka ezahlukene zekhomishini.Izinhlobo ezimbili ezivame kakhulu yilezi:

• Ikhomishini Ekhokhelwa Umbolekisi: Kulesi sakhiwo, umbolekisi unxephezela umthengisi wezindlu ngokuletha obolekayo.Ikhomishini ngokuvamile iyiphesenti lemali ebolekiwe.
• Ikhomishini Ekhokhelwa Obolekayo: Kulokhu, umboleki ukhokhela umthengisi ngokuqondile.Ikhomishana ingaba imali ephansi noma iphesenti lemali ebolekiwe.

2. Umthelela Kubaboleki

Izilinganiso zekhomishana yomthengisi wezindlu zingaba nomthelela kubaboleki ngezindlela ezimbalwa:

• Izindleko: Kuye ngesakhiwo sekhomishana, ababoleki bangase bathwale izindleko ngokuqondile noma ngokungaqondile.Kubalulekile ukuqonda ukuthi ikhomishana ingaba nomthelela kanjani ezindlekweni zizonke zendlu yakho yendlu.
• Izinketho Zokubolekwa: Abanye abadayisi bangase bathambekele kakhulu ekunikezeni imali ebolekiwe kubabolekisi abanamanani aphezulu ekhomishini.Lokhu kungase kube nomthelela ezinhlobonhlobo zemikhiqizo ebolekiwe owethulwe yona.
• Ikhwalithi Yesevisi: Nakuba amakhomishini ewukucatshangelwa okubalulekile, kubalulekile futhi ukuhlola ikhwalithi yesevisi ehlinzekwa umthengisi.Umdayisi onolwazi futhi ozinikele angakwazi ukwengeza inani elibalulekile kulwazi lwakho lwemalimboleko yendlu.

Okufanele Ucabangele Lapho Usebenza Nomthengisi Wezindlu

Uma unquma ukusebenza nomthengisi wezindlu, nazi ezinye izici okufanele uzicabangele:

1. Ukungafihli

I-mortgage broker ehlonishwayo kufanele ibe sobala mayelana nezilinganiso zekhomishini yayo.Kufanele badalule ukuthi banxeshezelwa kanjani nokuthi bayayithola yini imihlomulo evela kubabolekisi.

2. Iziqu Zomthengisi

Hlola iziqu kanye nemininingwane ye-mortgage broker.Qiniseka ukuthi banelayisensi futhi banegama elihle embonini.

3. Isakhiwo seKhomishana

Qonda uhlaka lwekhomishana abalusebenzisayo.Ingabe zikhokhelwe ngumboleki noma zikhokhelwa umboleki?Ukwazi lokhu kungakusiza ukuthi uhlole noma yikuphi ukuchema okungenzeka emikhiqizweni yemalimboleko abayincomayo.

4. Ukuqhathaniswa Kwemalimboleko

Cela umthengisi ukuthi anikeze ukuqhathanisa okuningiliziwe kwezinketho zemalimboleko, okuhlanganisa amanani enzalo, imigomo, nanoma yiziphi izinkokhelo.Lokhu kuzokusiza wenze isinqumo unolwazi.

5. Ikhwalithi Yesevisi

Cabangela ukuzibophezela komthengisi ekunikezeni isevisi ehlukile.Ingabe bayaphendula, bayakunaka, futhi bazimisele ukuphendula imibuzo yakho?

Isiphetho

Amazinga ekhomishana yomthengisi wezindlu ayingxenye ebalulekile yenqubo yokubolekwa kwezindlu.Yize zingaba nomthelela ezindlekweni zizonke kanye nezinketho zokubolekwa imali, akumele kube yizo kuphela okugxilwe kuzo lapho usebenza nomthengisi wezindlu.Ukungafihli, iziqu, kanye nekhwalithi yesevisi nakho kufanele kukusinde esinqumweni sakho.Ngokuqonda ukuthi amanani ekhomishini asebenza kanjani futhi uthathe indlela enolwazi, ungakwazi ukuzulazula endaweni ye-mortgage ngempumelelo futhi uvikele imali ebolekiwe efanele izidingo zakho.

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.