11/10/2023

Ezweni elihlala livela lokuxhaswa ngezimali kwezindlu ezibolekwayo, umqondo wokuthi “imalimboleko engabizi” uye wavela njengenketho ephawulekayo kubaboleki.Lesi sihloko sihlola isimo sababolekisi bezitolo ezibolekisa ngemali engabizi kakhulu, esinikeza ukukhanya kokuthi lezi zimali mboleko zibandakanyani, izinzuzo zabo, kanye nokucatshangelwa kwababoleki abafuna ukuzulazula kulo mzila wokuqamba.

Ukuqonda Imali Ebolekiwe Engabizi

Yiziphi Izikweletu Ezingenayo Izindleko?

Izimali mboleko ezingabizi, njengoba negama liphakamisa, yimalimboleko lapho ababoleki bethola khona imali encane noma bengenakho nhlobo ngesikhathi sokuvalwa.Lezi zimali mboleko ngokuvamile zibandakanya ababolekisi abakhava izindleko ezithile, njengezinkokhelo zokuhlolwa, umshwalense wetayitela, nezinkokhelo zomsuka, ukuze kushintshwe izinga lenzalo eliphezulu kancane emalimboleko.

Ukubaluleka Kwemalimboleko Engabizi

Izimali mboleko ezingabizi zinikeza ababoleki inketho ekhangayo yokunciphisa izindleko zabo eziphuma ngokushesha ephaketheni lapho bethola imali mboleko.Ukuhwebelana kuhilela isilinganiso senzalo esiphezulu kancane phakathi nesikhathi semalimboleko, okwenza kube semqoka kubaboleki ukukala ukonga kwezindleko zangaphambili ngokumelene nemithelela yesikhathi eside yezinga lenzalo.

Ababolekisi Bezitolo Ezithengisa Izimpahla Ezingabiza Izindleko

Yini Ehlukanisa Ababolekisi Bezitolo Ezidayisa Izitolo?

Ababolekisi be-Wholesale bazihlukanisa ngokusebenza nababolekisi bezindlu kunokuthi baqonde ngqo nababolekayo.Banikeza uhla lwemikhiqizo ebolekiwe, okufaka phakathi imalimboleko engabizi, evumela abadayisi ukuthi baxhumanise ababolekayo ngezinketho zezimali ezihambisanayo.

Izinzuzo Zababolekisi Bezitolo Ezithengisa Izimpahla Ezingabiza Izindleko

1. Izindleko Zangaphambili Ezehlisiwe: Inzuzo eyinhloko ukuncishiswa kwezindleko zangaphambili zababoleki.Ababolekisi bezitolo ezinkulu bavame ukukhokhela izimali ezihlukene, okwenza ababolekayo bakwazi ukulondoloza imali yabo noma babele izimali kwenye indawo.
2. Ubuchwepheshe Bomthengisi: Ukusebenza ngama-mortgage broker ahlobene nababolekisi bezitolo ezinkulu kunikeza ababoleki ukufinyelela ezelulekweni zochwepheshe.Abadayisi bangaqondisa ababoleki ekuzulazuleni ubunkimbinkimbi bezinketho ezihlukene zemalimboleko, baqinisekise isinqumo esinolwazi.
3. Imikhiqizo Ehlukahlukene Yemali Ebolekiwe: Ababolekisi bezitolo ezinkulu ngokuvamile banezinhlobonhlobo zemikhiqizo ebolekiwe, evumela ababolekayo ukuthi bahlole izixazululo ezihlukahlukene zezimali ngale kokubolekwa imali okungakhokhisi.Lokhu kuvumelana nezimo kungaba inzuzo kubantu abanezinhloso ezithile zezimali.
4. Amazinga Enzalo Encintisanayo: Nakuba izilinganiso zenzalo emalimboleko engabizi zingase zibe phezulu kancane, ababolekisi bezitolo ezinkulu ngokuvamile bahlala bencintisana.Abadayisi bangaxoxisana ngemibandela yokuqinisekisa ukuthi ababolekayo bavikela amanani avumayo ngaphakathi komongo wemalimboleko engenazindleko.

Ukucatshangelwa Kwababoleki

1. Imigomo Yesikhathi Eside vs. Imigomo Yesikhathi Esifushane

Ababoleki kufanele bahlole imigomo yabo yezezimali yesikhathi eside ngokuqhathaniswa nezindleko zesikhathi esifushane.Izimalimboleko ezingabizi zinganikeza impumuzo ngokushesha, kodwa ukuqonda umthelela wezinga lenzalo elingase libe phezulu ngesikhathi semalimboleko kubalulekile.

2. Ukusebenzisana Nomthengisi

Ukukhetha i-mortgage broker esebenzisana nababolekisi be-wholesale abahlonishwayo kubalulekile.Abathengi badlala indima ebalulekile ekuxhumaniseni ababolekayo nezinketho ezifanele zemalimboleko kanye nokuqinisekisa ukuthengiselana okungenazihibe.

3. Izinga Lenzalo Amandla

Ababoleki kufanele babambe ukushintshashintsha kwezilinganiso zenzalo kumongo wemalimboleko engenazindleko.Nakuba kubonakala ukonga kwangaphambili, ukuqonda zonke izindleko zemali mboleko ngokuhamba kwesikhathi kubalulekile ukuze wenze isinqumo unolwazi.

4. Ukuhlukahluka Komkhiqizo Wemalimboleko

Linganisa ububanzi bemikhiqizo yemalimboleko ehlinzekwa ngababolekisi bezitolo ezinkulu.Izimali mboleko ezingabizi zingase zihambisane nezidingo ezisheshayo, kodwa ukufinyelela ezinkethweni ezihlukene zemalimboleko kuvumela ababoleki ukuthi balungise imali yabo ngokuvumelana nezimo ezishintshayo.

Isiphetho

Ababolekisi besamba semalimboleko engabizi kakhulu banikeza ababoleki ithuba elicindezelayo lokunciphisa izindleko zangaphambili lapho bengena endaweni yobunikazi bezindlu.Njengoba ababoleki behlola le ndlela, kubalulekile ukwenza ibhalansi phakathi kokonga ngokushesha kanye nomthelela wesikhathi eside wamazinga enzalo.Ukusebenzisana nabathengisi bezindlu abanolwazi abahlobene nababolekisi bezitolo ezinkulu abahlonishwayo kuqinisekisa ukuthi ababolekayo bangakwazi ukuzulazula kulo mkhakha wokuqamba ngokuzethemba futhi benze izinqumo ezinolwazi ezihambisana nemigomo yabo yezezimali.

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.