11/09/2023

Emkhakheni wokuxhaswa ngezimali kwezindlu ezibolekiwe, abadayisi bafuna ubudlelwano nababolekisi abanganikeli nje amanani ancintisanayo kuphela kodwa nezinkokhelo ezikhangayo ze-Yield Spread Premium (YSP).Lesi sihloko sihlola ukubaluleka kwe-YSP, indima yababolekisi, futhi sinikeza imininingwane kwabanye bababolekisi abaphezulu abaziwa ngokunikeza i-YSP ephezulu kubadayisi.

Ukuqonda Izinkokhelo Zokusabalalisa Kwe-Yield (YSP)

Yini i-YSP?

I-Yield Spread Premium, evame ukubizwa ngokuthi i-YSP, iyisinxephezelo esengeziwe ababolekisi abasinikeza ama-mortgage broker ukuze bathole imali mboleko enenani lenzalo eliphakeme kunaleso elifanele umboleki.Empeleni ikhomishini ekhokhelwa umbolekisi kumthengisi ukuze alethe ibhizinisi.

Ukubaluleka kwe-YSP

I-YSP isebenza njengesikhuthazo kubathengi ukuze bavikele imalimboleko enemibandela evumayo yababolekisi.Ivumela abathengisi ukuthi bakhulise imali yabo ngenkathi benikeza ababolekayo uhla lwezinketho ze-mortgage.

Iqhaza Lababolekisi ku-YSP

Umnikelo wababolekisi ku-YSP

Ababolekisi banikela ku-YSP njengengxenye yesakhiwo sabo sesinxephezelo sabathengisi bezindlu.Inani le-YSP lingahluka kubabolekisi, okwenza kubaluleke kakhulu ukuthi abathengisi bakhethe ozakwethu abanikeza amaphrimiyamu ancintisanayo.

Inzuzo Yokuncintisana Yabathengi

Abadayisi bayazuza ekusebenzisaneni nababolekisi abanikeza i-YSP ephezulu ngezindlela eziningi.Akukhulisi nje kuphela isinxephezelo sabo sonke kodwa futhi kunikeza umkhawulo wokuncintisana emakethe yezindlu ezibolekiwe, eheha amabhizinisi amaningi kubaboleki.

Amathiphu Wabathengi Abafuna I-YSP Ephezulu

1. Cwaninga Izinhlelo Zesinxephezelo Somabolekisi: Cwaninga ngokucophelela futhi uqhathanise iminikelo ye-YSP yababolekisi abahlukene.Bheka izinhlelo zesinxephezelo esisobala eziklomelisa abathengisi ngokukhululekile.
2. Cabangela Isithunzi: Khetha ababolekisi abanedumela lezinkokhelo ze-YSP ezinobulungiswa nezifike ngesikhathi.Ukufunda izibuyekezo nokufuna izincomo kunganikeza imininingwane ngerekhodi lombolekisi.
3. Xoxisana Ngemibandela: Abadayisi akufanele bangabaze ukuxoxisana ngemibandela ye-YSP nababolekisi.Abanye ababolekisi bangase bavulekele ukwenza ngendlela oyifisayo izinhlelo zabo zesinxephezelo ngokusekelwe ekusebenzeni komthengisi.
4. Diversify Ubambiswano lwababolekisi: Ukuze ukwandise amathuba e-YSP, cabanga ngokuhlukanisa ubambiswano nababolekisi abaningi.Lokhu kuqinisekisa uhla olubanzi lwemikhiqizo ye-mortgage yamakhasimende.

Isiphetho

Esimeni sokuncintisana soxhaso lwezimali ze-mortgage, abathengisi abafuna ukukhulisa izinzuzo zabo kufanele bahlanganyele ngokuhlelekile nababolekisi abahlinzeka nge-YSP ephezulu.Ukuqonda ukubaluleka kwe-YSP, indima yababolekisi, kanye nokuhlonza ababolekisi abaphezulu emakethe kunganikeza ama-broker amandla okwenza izinqumo ezinolwazi, ekugcineni kuthuthukise impumelelo yabo yezezimali embonini yezezindlu.

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.