Ukuqonda Izilinganiso Zekhomishana Yomthengisi Wezindlu e-USA

Lapho uzulazula endaweni eyinkimbinkimbi yemali mboleko yezindlu, ukuqondaI-Mortgage Brokeramanani ekhomishini abalulekile ekwenzeni izinqumo zezezimali unolwazi. Ama-mortgage broker asebenza njengabalamuli phakathi kwababolekayo nababolekisi, futhi amanani abo ekhomishini angaba nomthelela omkhulu ezindlekweni zizonke zemalimboleko yakho. Kulesi sihloko, sizocubungula ubunkimbinkimbi bezilinganiso zekhomishana yomthengisi wezindlu e-USA, sikusize uqonde ukuthi lezi zimali zisebenza kanjani nokuthi yini ongayilindela.

Ayini Amanani Ekhomishini Ye-Mortgage Broker?

Izilinganiso zekhomishana yomthengisi wezindlu yizimali ezitholwa ngabathengi ngokuxhumanisa ababoleki nababolekisi. Lawa manani angahluka kakhulu kuye ngezinto ezimbalwa, okuhlanganisa ulwazi lomthengisi, inkimbinkimbi yemali mboleko, nezinqubomgomo zomboleki. Ngokuvamile, ama-mortgage broker akhokhelwa ngenhlanganisela yemali ekhokhwa ngaphambili kanye namaphrimiyamu e-yield spread premium (YSP), okungamaphesenti enani lemalimboleko.

Abalwa Kanjani Amanani Ekhomishini Ye-Mortgage Broker?

Amazinga ekhomishana yomthengisi wezindlu ngokuvamile abalwa njengephesenti yenani lesamba semalimboleko. Isibonelo, uma umthengisi ekhokhisa ikhomishini engu-1% emalini ebolekiwe engu-$300,000, imali yakhe izoba ngu-$3,000. Nokho, lokhu kuyisisekelo nje; abanye abathengisi bangase bakhokhise amanani aphezulu noma aphansi ngokusekelwe ku-servi yaboLEZIkanye nezimo zemakethe.

Izinto Ezithonya Izilinganiso Zekhomishini Yokubolekwa Kwezindlu

Kunezici ezimbalwa ezingaba nomthelela kumazinga ekhomishana yomthengisi wezindlu, okuhlanganisa:

1. Imali Ebolekiwe: Izikweletu ezinkulu ngokuvamile ziholela emazingeni aphezulu ekhomishini ngoba imali yomthengisi ingamaphesenti yenani lemalimboleko.
2. Uhlobo Lwemalimboleko: Izinhlobo ezihlukene zemali mboleko, njengesilinganiso esinqunyiwe, isilinganiso esilungisekayo, kanye nemalimboleko exhaswa uhulumeni, ingaba nezinhlaka zekhomishini ezihlukene.
3. Iphrofayela Yesikweletu Yomboleki: Ababoleki abanamaphuzu aphezulu esikweletu bangaheha amanani ekhomishini aphansi ngenxa yokuncipha kwengozi.
4. Izimo Zemakethe: Izici zomnotho nokuncintisana kwezimakethe nakho kungaba nomthelela kumazinga ekhomishini.

Ukuxoxisana Ngezilinganiso Zekhomishini Yokubolekwa Kwezindlu

Kungenzeka ukuxoxisana ngezilinganiso zekhomishana ye-mortgage broker. Ababoleki kufanele baqhathanise okunikezwayo okuvela kubathengi abaningi futhi bacele ukuhlukaniswa okuningiliziwe kwezimali zabo. Ukungafihli kusemqoka; umthengisi onedumela elihle uzokhuluma ngamanani ekhomishini futhi azimisele ukuxoxa ngawo.

Kungani I-Mortgage Broker Commission rates Ibalulekile

Ukuqonda amanani ekhomishana ye-mortgage broker kubalulekile ngoba lezi zimali zinomthelela kuzo zonke izindleko zendlu yakho ebolekiwe. Amanani ekhomishini aphezulu angakhuphula i-APR yemalimboleko yakho (Isilinganiso Sephesenti Lonyaka), ayenze ibize kakhulu ngokuhamba kwesikhathi. Ukuqaphela la mazinga kukuvumela ukuthi wenze izinqumo ezinolwazi oluthe xaxa futhi ungonge imali ngokuhamba kwesikhathi.

Isiphetho

Amazinga ekhomishana yomthengisi wezindlu ayingxenye ebalulekile yenqubo yemalimboleko yezindlu e-USA. Ngokuqonda ukuthi lezi zilinganiso zibalwa kanjani nokuthi yiziphi izici ezibathonyayo, ungakwazi ukuzulazula kangcono isimo se-mortgage. Ngaso sonke isikhathi khumbula ukuxoxisana futhi ufune obala kumthengisi wakho ukuze uqinisekise ukuthi uthola idili elingcono kakhulu lemalimboleko yakho.