12/23/2023

Ukwembula Izinzuzo Zokukhetha Ababolekisi Be-ARM Abancintisanayo

Emkhakheni woxhaso lwemali ye-mortgage, ababoleki abafuna ukuguquguquka bavame ukuphendukela ku-Adjustable-Rate Mortgages (ama-ARM). Lo mhlahlandlela obanzi uhlola umhlaba wababolekisi be-ARM Abancintisanayo, unikeza ukukhanya ngezinzuzo zokukhetha ababolekisi abahlinzeka ngeminikelo yokuncintisana emakethe ye-ARM enamandla. Ukuqonda ama-nuances emalimboleko ye-ARM nokukhetha ababolekisi ngendlela ehlelekile kunganikeza ababoleki amandla okwenza izinqumo ezinolwazi ezihambisana nemigomo yabo yezezimali.

Ukuqonda Ababolekisi Be-ARM Abancintisanayo

I-Adjustable-Rate Mortgages, ngokungafani nezinketho zesilinganiso esingaguquki, inikeza izilinganiso zenzalo ezingashintsha ngezikhathi ezithile. Ababolekisi be-ARM Abancintisanayo yilabo abanganikezi kuphela imikhiqizo ye-ARM kodwa futhi bazibeke emakethe ngokunikeza imigomo evumayo, amanani, nezici ezigqamayo phakathi komncintiswano.

Izimpawu Ezisemqoka Zababolekisi Be-ARM Abaqhudelanayo

1. Izakhiwo Zesilinganiso Esivumelanayo:
   • Uhlolojikelele: Ababolekisi be-ARM Abancintisanayo banikeza uhla lwezinhlaka zezilinganiso, okuvumela ababoleki ukuthi bakhethe imigomo ehambisana namasu abo ezezimali.
   • Inzuzo: Ababoleki bangenza ngendlela oyifisayo imigomo yabo yemalimboleko, balungise izimo zemakethe kanye nezinjongo zabo zezezimali.
2. Izinqubomgomo Zokulungisa Isilinganiso Esisobala:
   • Uhlolojikelele: Laba babolekisi bazibophezele ekwenzeni izinto obala ekukhulumeni ukuthi ukulungiswa kwesilinganiso senzalo kwenzeka kanjani futhi nini.
   • Inzuzo: Ababoleki bangenza izinqumo ezinolwazi, baqonde umthelela ongaba khona wokulungiswa kwezinga ezinkokhelweni zabo zanyanga zonke.
3. Amazinga Enzalo Encintisanayo Yokuqala:
   • Ukubuka konke: Ukuze uhehe ababoleki, Ababolekisi Be-ARM Abancintisanayo bavame ukuhlinzeka ngamanani enzalo okuqala ancintisanayo.
   • Inzuzo: Ababoleki bangazuza ezinkokhelweni zokuqala eziphansi, banikeze ukonga kwezindleko okungenzeka eminyakeni yokuqala yemali mboleko.
4. Ukwesekwa Kwamakhasimende Okuqinile:
   • Uhlolojikelele: Laba babolekisi babeka phambili isevisi yamakhasimende, banikeze ukwesekwa kubaboleki kuyo yonke impilo yemali mboleko.
   • Inzuzo: Ababoleki banensiza ethembekile yokubhekana nemibuzo, bafune isiqondiso mayelana namathrendi emakethe, futhi baxoxe ngezinketho zokuthola kabusha izimali ezingaba khona.

Izinzuzo Zababoleki

1. Izinkokhelo Zokuqala Eziphansi:
   • Inzuzo: Ababolekisi be-ARM Abancintisanayo bavame ukuhlinzeka ngamanani enzalo aphansi okuqala, okuholela ezinkokhelweni eziphansi zanyanga zonke phakathi nesikhathi sesilinganiso esinqunyiwe sokuqala.
   • Ukucatshangelwa: Ababoleki kufanele bahlole isimo sabo sezezimali kanye nekhono lokusingatha izinguquko ezingaba khona zesilinganiso esizayo.
2. Ukuguquguquka Kwemibandela Yemalimboleko:
   • Inzuzo: Ababoleki bangakhetha emikhiqizweni eyahlukene ye-ARM enezikhathi ezihlukene zokulungisa, enikeza ukuguquguquka ekuphatheni imali yabo yendlu.
3. Ukonga Izindleko Okungenzeka:
   • Inzuzo: Endaweni enenzalo ephansi, ukubolekwa kwe-ARM kungaholela ekongeni kwezindleko uma kuqhathaniswa nezikweletu zesilinganiso esinqunyiwe, ikakhulukazi esikhathini esifushane.
   • Ukucatshangelwa: Ababoleki kufanele bahlole ukubekezelela kwabo ubungozi kanye nemigomo yezezimali lapho becabangela ukonga okungase kube khona.

Ukucatshangelwa Kwababoleki

1. Ukuqonda Izilinganiso Zezilinganiso:
   • Okunconyiwe: Ababoleki kufanele babuyekeze ngokucophelela futhi baqonde izilinganiso zesilinganiso ezihlotshaniswa nomkhiqizo we-ARM, bakhawulele izinga izinga lenzalo elingashintsha ngalo.
2. Ukuqwashisa Ngemakethe:
   • Okunconyiwe: Ukuhlala unolwazi mayelana namathrendi emakethe nezinkomba zezomnotho kungasiza ababoleki ukuthi balindele izinguquko ezingaba khona zenani lenzalo.
3. Ukuhlelwa Kwezezimali Kwesikhathi esizayo:
   • Okunconyiwe: Ababoleki kufanele bahlole izinhlelo zabo zezezimali zesikhathi eside futhi bacabangele ukuthi ukulungiswa kwesilinganiso okungaba khona kungaba nomthelela kanjani ekhonweni labo lokuhlangabezana nezibopho zokukhokha zesikhathi esizayo.

Ukuzulazula kuhambo lwemalimboleko ye-ARM

1. Ukuqhathaniswa Kwemalimboleko Ephelele:
   • Isiqondiso: Ababoleki kufanele baqhathanise iminikelo evela kubabolekisi abaningi be-ARM Abancintisanayo, bangacabangi nje kuphela amanani okuqala kodwa namakepisi okulungisa, amamajini, neminye imibandela efanele.
2. Iseluleko Sochwepheshe:
   • Isiqondiso: Ukufuna isiqondiso kochwepheshe bezindlu ezibolekayo noma abeluleki bezezimali kunganikeza imininingwane ebalulekile yokuthi ingabe imalimboleko ye-ARM iyahambisana yini nesu lezezimali lomboleki.
3. Ukungena Okujwayelekile Kwezindlu Zokuboleka:
   • Isiqondiso: Ukubuyekezwa ngezikhathi ezithile kwempahla yendlu kanye nezingxoxo nomabolekisi kungasiza ababolekayo bahlale benolwazi mayelana nezinguquko ezingaba khona futhi bahlole izinketho zokubuyisela imali uma kudingeka.

Isiphetho: Ukunika Ababoleki Amandla Ngokukhetha

Ukukhethela Umbolekisi We-ARM Oqhudelanayo kuhilela ukuhlola okucatshangwayo kwemigomo yomuntu ngamunye yezezimali, ukubekezelela ubungozi, nezimo zemakethe. Ngokuqonda izici Zababolekisi Be-ARM Abancintisanayo kanye nokucabangela ngokucophelela izinzuzo ezingaba khona nokucatshangelwa, ababoleki bangazulazula emhlabeni wemalimboleko yezinga elilungisekayo ngokuzethemba. Ukhiye ulele ekwenzeni izinqumo ezinolwazi ezihambisana nezinjongo zezimali zesikhathi esifushane kanye nezifiso zesikhathi eside zokuba ngumninikhaya.

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.