11/15/2023

Esimeni esiyinkimbinkimbi sokubolekwa kwezindlu, ukuqonda izakhiwo zekhomishana yabathengi nababolekisi bezitolo ezinkulu kubalulekile kubo bobabili abathengisi nababolekayo.Lo mhlahlandlela ophelele uhlola izici zamakhomishana wabathengi, umthelela wawo ohlelweni lwezindlu ezibolekwayo, kanye namasu abalulekile kubathengi ukuze bazulazule ezinhlakeni zekhomishini nababolekisi bezitolo ezinkulu ngempumelelo.

I-Dynamics of Broker Commission Structures

1. Incazelo YamaKhomishana Abathengi

Amakhomishana omthengisi amele isinxephezelo esikhokhelwa abathengisi bezindlu ngeqhaza labo ekusizeni ukubolekwa kwemali phakathi kwababoleki nababolekisi.Lawa makhomishini ayisici esibalulekile semali engenayo yomthengisi futhi ngokuvamile asekelwe kumaphesenti yenani lemali ebolekiwe.

2. Ukubaluleka Kwezinhlaka Zekhomishana

Izinhlaka zekhomishana zithonya inhlalakahle yezezimali yomthengisi futhi, ngokwengeza, ikhono labo lokuhlinzeka ngamanani ancintisanayo nezinsizakalo kubaboleki.Ukuzulazula kulezi zakhiwo kudinga ukuqonda okuphelele kokuhluka okukhona ngaphakathi kwemboni.

Ukwehluka Kwezakhiwo Zekhomishana Yabathengi

1. Amakhomishini Asekelwe Ngamaphesenti

Isakhiwo sekhomishana esivame kakhulu sibandakanya iphesenti lemali ebolekiwe.Abadayisi bathola iphesenti elinqunywe kusengaphambili, ngokuvamile elisukela ku-1% ukuya ku-3%, ngokusekelwe enanini lemalimboleko ephelele.Lesi sakhiwo siqondile futhi siqondanisa isinxephezelo somthengisi nesilinganiso somsebenzi.

2. Amakhomishana Ezimali Ezingajwayelekile

Abanye abadayisi bakhetha ukwakheka kwenhlawulo ephansi, lapho bethola khona inani elinqunyiwe ngomsebenzi ngamunye kungakhathaliseki ukuthi ungakanani usayizi wemalimboleko.Le ndlela ihlinzeka ngokuqagela emalini engenayo kodwa ingase ingabakhuthazi abadayisi ngamadili amakhulu.

3. Izinhlaka Zekhomishana Enezigaba

Izakhiwo ezihlanganisiwe zibandakanya amanani ekhomishini ahlukene amanani emalimboleko ahlukahlukene.Abadayisi bangase bathole iphesenti eliphezulu lemalimboleko enkudlwana, okudala isisusa sokusingatha imisebenzi emikhulu.

Ukucatshangelwa Kwama-Broker

1. Izingxoxo nababolekisi bezitolo ezinkulu

Abathengi bavame ukuba nethuba lokuxoxisana ngezakhiwo zekhomishini nababolekisi bezitolo ezinkulu.Ukwakha ubudlelwano obuqinile nababolekisi kanye nokukhombisa ukulandelana kwebhizinisi okungaguquguquki kunganika abadayisi amandla ukuthi bavikele imigomo yekhomishini evumayo.

2. Ikhomishini Yokulinganisa kanye Nezilinganiso Zokuncintisana

Abadayisi kufanele babe nebhalansi phakathi kokuthola amakhomishini aqhudelanayo kanye nokunikeza ababoleki amanani akhangayo.Ukuqonda ukuthi izinhlaka zekhomishana zihambisana kanjani nesiphakamiso senani sonke sababolekayo kubalulekile.

3. Ukuhlukahluka Kobudlelwano Bomabolekisi

Ubudlelwano obuhlukahlukene nababolekisi bezitolo ezinkulu kunganikeza abathengisi ukufinyelela ezinhlakeni ezihlukene zekhomishini.Lokhu kuhlukahluka akugcini nje ngokuthuthukisa amandla okuxoxisana kodwa futhi kunciphisa ubungozi obuhlobene nokuthembela kumabolekisi oyedwa.

Umthelela Kubaboleki

1. Amaphakheji emalimboleko ancintisanayo

Izinhlaka zamakhomishana omthengisi zingaba nomthelela ekuqhudelaneni kwamaphakheji emalimboleko anikezwa ababoleki.Abathengi abahola amakhomishana afanelekile basesimweni esingcono sokuhlinzeka ababolekayo ngamanani nemigomo ekhangayo.

2. Ukungafihli kwezokuxhumana

Ukuxhumana okusobala mayelana nezinhlaka zekhomishana kukhuthaza ukwethembana phakathi kwabadayisi nababolekayo.Ukuchaza ngokucacile ukuthi amakhomishana asebenza kanjani nokuthi ahambisana kanjani nezithakazelo ezingcono kakhulu zomboleki kunomthelela ekuhlangenwe nakho okuhle komboleki.

Amasu Ezinhlaka Zekhomishini Yokuzulazula

1. Fundisa Ababolekayo

Abadayisi kufanele bafundise ababolekayo mayelana nokuthi izinhlaka zamakhomishana zisebenza kanjani.Ukuxhumana okusobala kwakha ukwethembana futhi kusiza ababoleki baqonde inani elilethwa abadayisi enqubweni yokuboleka imali.

2. Imfundo Eqhubekayo Yama-Broker

Ukuhlala unolwazi mayelana nezitayela zemboni kanye nezinguquko ezinhlakeni zamakhomishana kubalulekile.Imfundo eqhubekayo inika amandla ama-broker ukuthi azivumelanise nezimo zemakethe ezishintshayo futhi axoxisane ngemibandela evumayo.

3. Sebenzisa Amathuluzi Ezobuchwepheshe

Ukusebenzisa amathuluzi ezobuchwepheshe nezinkundla ezilula inqubo yokubolekwa kwezindlu kungathuthukisa ukusebenza kahle komdayisi.Lokhu kusebenza kahle, kungase kube nomthelela omuhle ekhonweni lomdayisi lokuxoxisana ngezinhlaka zekhomishini ezivunayo.

Isiphetho

Izinhlaka zamakhomishana odayiselana nababolekisi bezitolo ezinkulu zidlala indima ebalulekile ekulolongeni isimo sokubolekwa kwezindlu.Abadayisi, abahlome ngokuqonda okuncane kwalezi zakhiwo, bangakwazi ukuzulazula endaweni ngempumelelo, banikeze ababoleki amanani ancintisanayo kanye nolwazi oluhle lwe-mortgage.Njengoba imboni yezindlu ezibolekwayo iqhubeka nokuthuthuka, abathengisi kanye nababolekisi bezitolo ezinkulu bazosebenzisana ukuze bathole izinhlaka zekhomishini ezihambisana nezintshisakalo zazo zombili izinhlangothi, kugqugquzelwe uhlelo lwendalo oluguqukayo noluphumelelayo.

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.