11/18/2023

Ezweni eliyinkimbinkimbi lokubolekwa kwezindlu, ukuhlonza ababolekisi bezitolo ezinkulu kuyisinyathelo esibalulekile kubathengi abafuna ozakwethu abathembekile.Laba babolekisi badlala indima ebaluleke kakhulu ekuhlinzekeni ngemikhiqizo yezindlu ezibolekiwe ngamanani ancintisanayo, balolonge isimo sabathengi namakhasimende abo.Lo mhlahlandlela ophelele uhlola izici ezibalulekile ezichaza ababolekisi bezitolo ezinkulu ezinezinga eliphezulu, imibandela yokunconywa kwabo, futhi unikeza imininingwane yabadayisi abahlose ukuvumelanisa nabahamba phambili embonini.

Ukubaluleka Kwababolekisi Bezitolo Ezithengisa Kakhulu Ezikalwe Kakhulu

Ababolekisi besamba esiphezulu bazihlukanisa ngenhlanganisela yezinto ezithinta abathengisi nababolekayo ngokufanayo.Laba babolekisi bayaziwa ngokuzibophezela kwabo ekwenzeni okuhle, abanikezeli nje amanani ancintisanayo kuphela kodwa futhi nolwazi lokuboleka olungenazihibe futhi oluphumelelayo.

Izici Zokubolekisa Okuphezulu Okukalwe Kakhulu

1. Izilinganiso Zemali Yezindlu Ezincintisanayo

Okuyisisekelo sababolekisi abasezingeni eliphezulu yikhono labo lokuhlinzeka ngamazinga okuncintisana emali mboleko.Laba babolekisi bayakuqonda ukubaluleka kokunikeza amanani akhangayo kubathengi nakubabolekisi, okubavumela ukuthi bahlale bencintisana emakethe yezindlu ehlala ishintsha.

2. Iminikelo Yomkhiqizo Ehlukahlukene

Ukuhlukahluka ekunikezelweni kwemikhiqizo kungolunye uphawu lwababolekisi abasezingeni eliphezulu.Idlulela ngale kwemikhiqizo evamile yempahla yendlu, ihlinzeka ngezinhlobonhlobo zezinketho ezifana nezikweletu zesilinganiso esinqunyiwe, imali ebolekiwe enenani elilungisekayo, imali mboleko ye-jumbo, nemikhiqizo ekhethekile efana nezikweletu zezindlu ezingafanelekile (okungeyona i-QM).Lokhu kwehlukahlukana kuvumela ama-broker ukuthi ahlinzekele inhlobo ebanzi yezidingo zamaklayenti.

3. Ukusebenza Okuphumelelayo Kwemalimboleko

Ukusebenza kahle ekucubunguleni imalimboleko kuwumehluko obalulekile.Ababolekisi bezitolo ezinkulu abasezingeni eliphezulu babeka phambili ukugunyazwa kanye nenqubo yokuxhasa ngemali elula nephumelelayo.Izikhathi zokushintsha ngokushesha azizuzisi nje kuphela abathengisi ekukhonzeni amakhasimende abo ngokushesha kodwa futhi zifaka isandla ekuhlangenwe nakho okuhle kokuboleka.

4. Izakhiwo Zenkokhelo Esobala

Ukungafihli ezinhlakeni ezikhokhwayo kubalulekile ekusunguleni ukuthembana.Ababolekisi bezitolo ezinkulu abasezingeni eliphezulu baziwa ngokuxhumana kwabo okucacile mayelana nezimali ezihlotshaniswa nokuthengiselana kwempahla mboleko.Lokhu kubeka obala kunikeza amandla ama-brokers ukuthi anikeze amakhasimende ukuqonda okuphelele kwezici zezezimali ze-mortgage yawo.

5. Ukuxhumana Okuphumelelayo Nokusekela

Ukuxhumana kubaluleke kakhulu ebudlelwaneni bomthengisi nombolekisi.Ababolekisi abasezingeni eliphezulu babeka phambili ukuxhumana okusebenzayo futhi banikeze ukwesekwa okuzinikele kubathengi kuyo yonke inqubo yokubolekisa.Leli zinga lokusekela likhuthaza ukubambisana okusebenzisanayo nokukhiqizayo.

Imibandela Yokuhlonishwa: Yini Ehlukanisa Ababolekisi

Kunezici ezimbalwa ezinomthelela ekwamukeleni kwababolekisi abasezingeni eliphezulu:

1. I-Positive Broker Feed and Testimonials

Ulwazi nobufakazi babathengisi ababambisene nalaba babolekisi badlala indima ebalulekile.Impendulo eyakhayo evela kubadayisi igqamisa ikhono lombolekisi lokufeza okulindelekile futhi afeze izithembiso.

2. Ubuhle obungaguquguquki Ngokuhamba kwesikhathi

Ababolekisi bezitolo ezinkulu abasezingeni eliphezulu babonisa ukusebenza kahle okungaguquki esikhathini eside.Ukusebenza kwabo nokuzibophezela ekunikezeni isevisi yekhwalithi kuyabekezelela, okubenzela idumela njengabalingani abathembekile embonini yezezindlu.

3. Ukuzivumelanisa nezimo Ezimweni Zemakethe

Ukuvumelana nezimo ezimakethe kubalulekile.Ababolekisi abahlala ngaphambi kwamashifu embonini, izinguquko zokulawula, nezimo zezomnotho zibonisa indlela yokucabanga phambili ehambisana nabathengi nababolekayo.

4. Ukuhlonishwa Kwemboni kanye Nemiklomelo

Ukuhlonishwa embonini yezindlu ezibolekwayo ngemiklomelo nezindondo kuwubufakazi bokusebenza kahle kombolekisi.Ababolekisi bezitolo ezinkulu abasezingeni eliphezulu ngokuvamile bathola ukunconywa ngeminikelo yabo kanye nezimpumelelo zabo.

Imininingwane Yabathengi Abafuna Ababolekisi Bezitolo Ezithengiswa Kakhulu

Kubathengi abafuna ukuvumelanisa nababolekisi bezitolo ezinkulu, le mininingwane elandelayo ibalulekile:

1. Yenza ucwaningo olunzulu

Ama-brokers kufanele atshale isikhathi ocwaningweni olunzulu ukuze ahlonze ababolekisi abasezingeni eliphezulu.Hlola ukunikezwa kwababolekisi, funda ubufakazi bomthengisi, futhi uhlole amazinga embonini ukuze wenze izinqumo ezinolwazi.

2. Inethiwekhi futhi Funa Izincomo

Ukuxhumana phakathi komphakathi we-mortgage kuvumela abadayisi ukuthi bafune izincomo kontanga.Imininingwane evela kwabanye abadayisi abake babambisene nababolekisi abasezingeni eliphezulu ingaba wusizo olukhulu.

3. Zibandakanye Ezingxoxweni Eziqondile

Ukuzibandakanya ezingxoxweni eziqondile nabangase babe ngababolekisi kubalulekile.Abadayisi kufanele basebenzise lezi zingxoxo ukuze babuze ngamanani, ukunikezwa kwemikhiqizo, kanye nendlela iyonke yokusekela ubudlelwano nabathengi.

4. Cabangela Izinkathi Zokulinga Nokusebenzisana Okuncane

Ukuqala izikhathi zesivivinyo noma ukusebenzisana kwabancane nababolekisi abakhethiwe kuyindlela yamasu.Lokhu okwenziwa ngezandla kuvumela ama-broker ukuthi ahlole ukuhambisana nokusebenza ngaphambi kokuzibophezela kubambiswano lwesikhathi eside.

Isiphetho

Ukuzulazula endaweni ye-mortgage kubandakanya ukuhlonza nokusebenzisana nababolekisi bezitolo ezinkulu ezinezilinganiso eziphezulu.Laba babolekisi bagqama ngokuzibophezela kwabo ekwenzeni okuhle, amanani okuncintisana, kanye nokweseka okuphelele kwabathengi.Lo mhlahlandlela ugcizelela izici ezibalulekile ezichaza ababolekisi bezinga eliphezulu, imibandela yokunconywa kwabo, futhi uhlinzeka ngemininingwane engenzeka kubathengi abahlose ukwakha ubambiswano oluyimpumelelo emhlabeni oguquguqukayo wokubolekwa kwezindlu.

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