Emkhakheni oyinkimbinkimbi wemikhiqizo yempahla yezindlu, izinketho zekhomishana ephezulu ziyagqama, zinikeza kokubili amathuba kanye nezingibe ezingaba khona kubaboleki.Lo mhlahlandlela obanzi uhlose ukwembula ubunkimbinkimbi bemikhiqizo yempahla yekhomishini ephezulu, ukuhlola izici zayo, izinzuzo, kanye nokucatshangelwa kwababoleki okufanele bakukhumbule lapho bezulazula kulo mkhakha wezezimali.

Ukuqonda Imikhiqizo Ye-Mortgage Yekhomishini Ephezulu

Imikhiqizo ye-high-commission mortgage iyisigaba semali mboleko yezindlu lapho abathengisi nama-ejenti behola amakhomishini aphezulu ngokusekelwe emigomeni ye-mortgage.Nakuba le mikhiqizo inganikeza izikhuthazo zezezimali kubalamuli, ababoleki kufanele bahlole ngokucophelela ukuthi bayahambisana yini nemigomo yabo yezezimali yesikhathi eside.

Ukuzulazula ku-Landscape ye-High-Commission Mortgage Products

Izici Zokubolekwa Kwempahla Yekhomishini Ephakeme

1. Isinxephezelo Somthengisi Enyusiwe:
   • Incazelo: Abathengi bathola amakhomishini aphezulu kunesilinganiso esisuselwe emigomeni okuxoxiswene ngayo nomabolekisi.
   • Umthelela: Lesi sakhiwo sesinxephezelo singaba nomthelela emikhiqizweni yemali yezindlu enconyelwe ababoleki.
2. Izindleko okungenzeka ziphakeme:
   • Izici: Izikweletu zekhomishini ephezulu zingase zize nezinkokhelo eziphakeme, inzalo, noma ezinye izindleko.
   • Umthelela: Ababoleki bangase babe nezindleko eziphakeme kuyo yonke impilo yemali mboleko.
3. Ukunikezwa Kwemikhiqizo Ehlukahlukene:
   • Izici: Izinhlobo ezahlukene zezindlu ezibolekwayo, okuhlanganisa isilinganiso esinqunyiwe, isilinganiso esilungisekayo, nemikhiqizo ekhethekile, zingahlelwa ngamakhomishini aphezulu.
   • Umthelela: Ababoleki banohlu lwezinketho abangazicabangela, ngayinye inesethi yayo yobuhle nobubi.

Izinzuzo Nezingqinamba Zababoleki

1. Izinzuzo ezingaba khona:
   • Inzuzo: Izikweletu zekhomishini ephezulu zinganikeza izinketho zokuthola imali ezifinyeleleka kalula kubaboleki abanamaphrofayela athile ezezimali.
   • Ukucatshangelwa: Ababoleki abanezimo ezihlukile bangathola izixazululo ezifanelana nezidingo zabo.
2. Izingozi Zemvelo:
   • I-drawback: Izintshisekelo zezezimali zabathengi nababoleki zingahle zingahambelani ngaso sonke isikhathi, okuholela ekungqubuzaneni kwenzuzo okungaba khona.
   • Ukucatshangelwa: Ababoleki kufanele baqaphe futhi baqinisekise ukuthi umkhiqizo onconywayo we-mortgage uhlangabezana ngempela nezimfuneko zabo.
3. Izinselele zokubonisa ngale:
   • I-drawback: Imikhiqizo ye-high-commission mortgage ingase intule obala mayelana nendlela ukwakheka kwesinxephezelo okuthinta ngayo zonke izindleko.
   • Ukucatshangelwa: Ababoleki kufanele bafune ngenkuthalo ukubeka izinto obala nezincazelo ezinemininingwane kubathengi babo ukuze benze izinqumo ezinolwazi.

Ukucatshangelwa Kwababoleki

1. Ukuhlolwa Okuphelele:
   • Okutuswayo: Ababoleki kufanele benze ucwaningo olunzulu ngemibandela, izindleko, kanye nezingozi ezingaba khona ezihlobene nemikhiqizo yempahla yendlu yekhomishini ephezulu.
2. Ukuqhathanisa Ukuthenga:
   • Okutuswayo: Kubalulekile ukuthi uthenge eduze futhi uqhathanise okunikezwayo okuvela kubabolekisi abahlukene nabathengi ukuze uhlonze imigomo engcono kakhulu.
3. Ukuxoxisana Nokucaca:
   • Okutuswayo: Ababoleki kufanele baxoxisane ngenkuthalo ngemibandela futhi bafune izincazelo ezicacile mayelana namakhomishini, izinkokhelo, nanoma yikuphi ukungqubuzana kwezintshisekelo okungaba khona.

Ukuzulazula kunqubo yohlelo lokusebenza

1. Ukuxhumana Okuvulekile:
   • Isiqondiso: Gcina ukuxhumana okuvulekile nabadayisi, ubuza imibuzo ethile mayelana namakhomishini, izindleko, kanye nomthelela kuyo yonke imali ebolekiwe.
2. Iseluleko Sochwepheshe:
   • Isiqondiso: Funa iseluleko kubaluleki bezezimali noma ochwepheshe bezindlu ezibolekiwe ukuze uthole imininingwane yokuthi ingabe imali ebolekiwe yekhomishini ephezulu iyifanele yini imigomo yakho yezezimali.
3. Umeluleki Wezomthetho Uma Kudingeka:
   • Isiqondiso: Ezimeni eziyinkimbinkimbi noma zokungaqiniseki, ukufuna ummeli kunganikeza isendlalelo esengeziwe sokuvikela kubaboleki.

Isiphetho: Ukuthatha Izinqumo Ngolwazi Kungukhiye

Imikhiqizo yempahla ebolekiwe yekhomishini ephezulu yethula ungqimba oluyinkimbinkimbi esimweni sempahla yezindlu, edinga ababoleki ukuthi basondele enqubweni yokuthatha izinqumo ngokuqonda okujulile kwezingozi nezinzuzo ezihambisanayo.Nakuba le mikhiqizo inganikeza izixazululo eziklanyelwe, ukubeka izinto obala nokuxhumana okukhululekile kubalulekile kubaboleki ukuze benze izinqumo ezinolwazi oluhambisana nezinjongo zabo zezezimali.Ngokuzulazula ebunzimeni bemali ebolekiwe yekhomishini ephezulu ngokuzikhandla nangokuqwashisa, ababoleki bangathuthukisa ulwazi lwabo lwezindlu ezibolekiwe futhi bathole impumelelo yesikhathi eside yezezimali kubunikazi bezindlu.