11/11/2023

Ezweni elisheshayo lezindawo ezithengiswayo, isikhathi sivame ukuba yisisekelo.Kubaboleki abafuna ukugunyazwa ngokushesha kanye nenqubo ye-mortgage ehlelekile, umqondo "Wokubolekwa Ngaphansi Kwaphansi Osheshayo" uba ubalulekile.Lo mhlahlandlela usikhanyisela ngokubaluleka kwababolekisi abasebenza ngokukhethekile ekubhaleni ngaphansi ngokushesha, uchaza izinzuzo, ukucatshangelwa, kanye nezici ezibalulekile okufanele ababoleki bazicabangele.

Ukuqonda Ukubhala Kwangaphansi Okusheshayo

Kwembula Inqubo

Ukubhala ngaphansi okusheshayo kubhekisela ekuhlolweni okusheshayo kwesicelo semalimboleko yomboleki.Ababolekisi abangochwepheshe kule nqubo babeka phambili ukusebenza kahle, bahlose ukunikeza ababolekayo izimvume ezisheshayo nolwazi olungenazihibe.

Isidingo Sejubane

Emisebenzini yezindlu ezithengiswayo, ikakhulukazi izimakethe ezincintisanayo, inqubo esheshayo yokubhala phansi ingaba inguquko yegeyimu.Ivumela ababoleki ukuthi bavikele uxhaso ngokushesha, ibanike umkhawulo wokuncintisana lapho benza iminikelo ngezakhiwo.

Izinzuzo Zokukhetha Umbolekisi Obhala Ngaphansi Osheshayo

1. Izimvume Ezisheshayo

Inzuzo eyinhloko, yiqiniso, isivinini okunikezwa ngaso ukugunyazwa kwemali mboleko.Ababolekisi ababhala phansi abasheshayo bayakuqonda ukuphuthuma kokuthengiswa kwezindlu ezithengiswayo futhi basebenze ngokuzikhandla ukuze banikeze ababoleki izimpendulo ezisheshayo.

2. Inzuzo Encintisana Nezentengiselwano Zezindlu Nezindlu

Emakethe yomthengisi, lapho isikhathi ngokuvamile siyisici esibalulekile, ukuba nomboleki obhala phansi osheshayo kungenza okunikezwayo kwakho kukhange nakakhulu.Abathengisi bayabazisa abathengi abangavikela uxhaso ngokushesha, okwandisa amathuba okuthi umnikelo wakho wamukelwe.

3. Inqubo Elula

Ababolekisi abachwepheshile ekubhaleni ngaphansi ngokushesha ngokuvamile banezinqubo ezilula.Lokhu akusheshisi isigaba sokugunyaza kuphela kodwa futhi kuqinisekisa ukuzizwisa okushelelayo kukonke kwababolekayo.

4. Ithuba Lokuvala Ngokushesha

Ngokugunyazwa okusheshayo, yonke inqubo yemali mboleko ingahamba ngokushesha, okungenzeka ivumele ukuvala ngokushesha.Lokhu kungaba inzuzo, ikakhulukazi kubaboleki abanezikhathi eziqinile.

Ukucatshangelwa Kwababoleki

1. Izilinganiso Zenzuzo Nemibandela

Nakuba isivinini sibalulekile, ababoleki akufanele banganaki ukubaluleka kwamazinga enzalo okuncintisana kanye nemibandela evumayo.Kubalulekile ukwenza ibhalansi phakathi kwenqubo esheshayo yokubhala ngaphansi kanye nokuthola imali yokuthenga indlu ehambisana nemigomo yakho yezezimali yesikhathi eside.

2. Idumela lombolekisi

Ukucwaninga idumela lombolekisi obhala ngokushesha kubalulekile.Ababolekayo kufanele baqinisekise ukuthi umbolekisi unomlando wokungagcini nje ngokugunyaza okusheshayo kodwa futhi nokuletha isevisi yekhwalithi kanye nezinqubo zokuboleka ezifanele.

3. Ukuxhumana

Ukuxhumana okucacile nokusebenzayo kubalulekile.Ababolekayo kufanele bakhethe umabolekisi ozobagcina benolwazi kuyo yonke inqubo, abanikeze izinto obala futhi abhekane nanoma yiziphi izinto ezibakhathazayo ngokushesha.

4. Ukulungiswa Kwemibhalo

Ukuze kube nenqubo esheshayo yokubhala phansi, ababoleki kudingeka balungiselelwe kahle nawo wonke amadokhumenti adingekayo.Ukuba nawo wonke amaphepha adingekayo ngomumo kungasheshisa kakhulu umugqa wesikhathi wokugunyazwa.

Ekuphetheni

I-Quick Underwriting Lender ingaba umsizi obalulekile kubaboleki abazulazula endaweni esheshayo yezindawo ezithengiswayo.Nakuba isivinini siyinzuzo enkulu, ababoleki kufanele futhi babeke phambili imigomo yokuncintisana kanye nomabolekisi onerekhodi elihloniphekile.Ukukhetha umbolekisi olinganisela ukusebenza kahle nokwethembeka kuqinisekisa ukuthi ababoleki abagcini nje ngokuthola ukugunyazwa okusheshayo kodwa futhi bavikela imali ebolekiwe ehambisana nezinjongo zabo zezezimali.

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.