Lapho uqala uhambo lokuthola imali ebolekwayo yekhaya lakho lamaphupho, ukukhetha kombolekisi kuyisinqumo esibalulekile.Enye inketho yokuthola ukuduma ukusebenzisana nomabolekisi oqondile we-mortgage.Kulo mhlahlandlela onokuqonda, sihlola ubunkimbinkimbi bokusebenza nomuntu obolekisa ngemali yendlu eqondile, sihlola izinzuzo, ukucatshangelwa, namasu ayinhloko okuhlangenwe nakho kwezimali zekhaya ezingenazihibe.

Ukuqonda Iqhaza Lobolekisa Ngezindlu Eziqondile

Umbolekisi oqondile we-mortgage isikhungo esixhasa ngemalimboleko ngokuqondile kubaboleki ngaphandle kwabaxhumanisi noma ama-broker.Lobu budlelwano obuqondile bulula inqubo yokubolekwa kwezindlu, bunikeze ababoleki umuzwa oqondene nawe futhi osebenza kahle.

Izinzuzo Zokukhetha Umbolekisi Oqondile Wendlu Yezindlu

1. Ukuxhumana Okulula

Ukusebenza ngokuqondile nomabolekisi kuthuthukisa ukuxhumana kanye nokubeka izinto obala kuyo yonke inqubo ye-mortgage.Ababoleki banokufinyelela okuqondile kubabolekisi babo, okwenza kube lula izimpendulo ezisheshayo zemibuzo kanye nokuqonda okucacile kohambo lwemalimboleko.

2. Ukucutshungulwa Kwemalimboleko Esheshayo

Ababolekisi bezindlu ezibolekiwe eziqondile bavame ukuziqhayisa izikhathi zokucubungula imali ebolekiwe ngokushesha uma kuqhathaniswa nezikhungo ezibandakanya abaxhumanisi abaningi.Ukuqedwa kwezendlalelo zenqubo yokuboleka kuhumusha ukugunyazwa okusheshayo futhi, ngokulandelayo, indlela esheshayo yokuba umninikhaya.

3. Isevisi yomuntu siqu

Ubudlelwano obuqondile nomabolekisi bukhuthaza ukuzizwisa kwesevisi komuntu siqu.Ababoleki bangalindela isiqondiso esilungiselelwe, izixazululo zemalimboleko ezenziwe ngokwezifiso, kanye nephoyinti lokuxhumana elizinikele oqonda imigomo yabo yezezimali ehlukile.

4. Ukusebenza Kwezindleko

Ababolekisi bezindlu ezibolekiwe eziqondile bangase banikeze ukusebenza kahle kwezindleko ngokunciphisa izinkokhelo ezihlobene nabaxhumanisi bezinkampani zangaphandle.Lokhu kungaholela ekongeni kwezindleko okungaba khona kwababolekayo, kwenze konke okuhlangenwe nakho kwezimali zekhaya kufinyeleleke kakhulu.

5. Izinketho zokubolekwa eziguquguqukayo

Ababolekisi abaqondile bavame ukuba nezimo zokunikela ngemikhiqizo ehlukahlukene yemalimboleko.Kungakhathaliseki ukuthi ungumthengi wekhaya okokuqala ngqa, uxhasa kabusha i-mortgage ekhona, noma uhlola izinketho ezikhethekile zemalimboleko, umbolekisi oqondile angakunikeza izixazululo ezihlukahlukene ukuhlangabezana nezidingo zakho.

Okucatshangelwayo Lapho Ukhetha Umbolekisi Oqondile We-Mortgage

1. Izilinganiso Zenzuzo Nemibandela

Nakuba ababolekisi abaqondile benikeza izinzuzo, kubalulekile ukuhlola ngokucophelela izilinganiso zenzalo nemibandela yemalimboleko abayinikezayo.Ukuqhathanisa lezi zici kubabolekisi abaningi kuqinisekisa ukuthi uvikela imigomo evumayo kakhulu yesimo sakho sezezimali.

2. Ukubuyekezwa Kwekhasimende Nedumela

Ukucwaninga ukubuyekezwa kwamakhasimende nokuhlola isithunzi somboleki kubalulekile.Umabolekisi wezindlu oqondile onomlando omuhle wokwaneliseka kwamakhasimende kanye nemikhuba esobala kungenzeka ukuthi anikeze ulwazi lokuboleka olubushelelezi.

3. Ubungcweti besikhulu semalimboleko

Ababolekisi abaqondile baqasha izikhulu ezibolekayo ezidlala indima ebalulekile ekuqondiseni ababolekayo ngenqubo yokuboleka imali.Hlola ubuchwepheshe kanye nokusabela kwezikhulu ezibolekiwe ukuze uqinisekise ukuthi uthola isiqondiso esidingekayo sohambo oluyimpumelelo lokuxhasa ngezimali ikhaya.

4. Ubuchwepheshe kanye Namakhono Digital

Esikhathini samanje sedijithali, ukuhlola amakhono obuchwepheshe omboleki oqondile kubalulekile.Umbolekisi onezinkundla ze-inthanethi ezisebenziseka kalula namathuluzi edijithali angathuthukisa ukusebenza kahle nokuba lula kwesicelo semalimboleko kanye nenqubo yokugunyaza.

Amasu Ohambo Oluyimpumelelo Lokuthola Imali Yekhaya Nomboleki Oqondile

1. Ukulungiselela kanye Nemibhalo

Yilungiselele kahle inqubo yokufaka isicelo semalimboleko ngokuqoqa imibhalo edingekayo kusenesikhathi.Lokhu kufaka phakathi ubufakazi bemali engenayo, umlando wesikweletu, namanye amadokhumenti ezezimali.Umboleki olungisiwe usheshisa umugqa wesikhathi wokucubungula imalimboleko.

2. Buza Imibuzo futhi Ufune Izincazelo

Bandakanya ngokuzimisela nombolekisi wakho oqondile ngokubuza imibuzo futhi ufune izincazelo nganoma yiziphi izici zesivumelwano semalimboleko.Ukuxhumana okucacile kuqinisekisa ukuqonda okwabiwe kwemigomo nemibandela.

3. Sebenzisa Izinsiza Eziku-inthanethi

Thatha ithuba lezinsiza eziku-inthanethi ezihlinzekwa ngumbolekisi oqondile.Ababolekisi abaningi abaqondile banikela ngezinto zokubala eziku-inthanethi, izinto zokufundisa, kanye nama-FAQ ukuze banikeze ababoleki amandla ngolwazi futhi bathuthukise ukuqonda kwabo inqubo yokuboleka imali.

4. Njalo Hlola Inqubekelaphambili Yemalimboleko

Hlala unolwazi mayelana nokuqhubeka kwesicelo sakho semalimboleko.Ukungena njalo nombolekisi wakho oqondile kukuvumela ukuthi ubhekane nanoma yiziphi izinkinga ezingase zibe khona ngokushesha futhi kuqinisekisa inqubo yokugunyaza imalimboleko eshelelayo nefika ngesikhathi.

Isiphetho: Ukunikeza Amandla Ohambweni Lwakho Lobunikazi Bekhaya Ngobolekwa Oqondile Ababolekiwe

Ukukhetha umbolekisi oqondile we-mortgage kungaba yisinqumo samasu esinikeza amandla uhambo lwakho lobunikazi bendlu.Ukuxhumana okulula, isevisi yomuntu siqu, kanye nezindleko ezingase zibe khona ezinikezwa ababolekisi abaqondile zifaka isandla ekuhlangenwe nakho okuhle kokuboleka.

Njengoba uqala lo mzamo omkhulu wezezimali, cabanga ngezinzuzo nokucatshangelwa okuvezwe kulo mhlahlandlela.Ngokubambisana nomabolekisi wezindlu ohlonishwayo futhi ogxile ekhasimendeni, ungakwazi ukuzulazula enkingeni yokuxhaswa ngezimali kwekhaya ngokuzethemba, uvula indlela yokuba nempumelelo nokwanelisayo kobunikazi bekhaya.