10/18/2023

Uma ucabanga ukusebenzisa i-mortgage broker ukukusiza ukuthi uthole imali ebolekiwe yendlu engcono kakhulu, kungokwemvelo ukuzibuza ukuthi banxeshezelwa kanjani.Isinxephezelo se-mortgage broker singahluka, futhi ukuqonda ukuthi laba basebenzi bakhokhelwa kanjani kubalulekile kubo bobabili ababolekayo nabathengi.Kulo mhlahlandlela obanzi, sizohlola izici ezithonya isinxephezelo se-mortgage broker bese siphendula umbuzo: Bakhokhelwa malini ama-mortgage broker?

Izisekelo Zesinxephezelo Somthengisi Wezindlu

Ama-mortgage broker asebenza njengabalamuli phakathi kwababolekayo nababolekisi, esiza ababolekayo ukuthi bathole imali ebolekiwe efanelekile.Bahola imali yabo ngezindlela ezihlukahlukene zesinxephezelo, okuhlanganisa:

1. Isinxephezelo Esikhokhelwa Umbolekisi

Kulo modeli, umbolekisi ukhokhela umthengisi wezindlu ikhomishini.Le khomishana ngokuvamile iyiphesenti lemali ebolekiwe, ngokuvamile cishe u-1% kuya ku-2% yenani lesamba semalimboleko.Ababoleki abamkhokheli umthengisi ngokuqondile kulesi simo.

2. Isinxephezelo Esikhokhelwa Umboleki

Ababoleki bangakhetha ukukhokhela umthengisi wezindlu ngokuqondile ngamasevisi abo.Le nkokhelo ingaba yimali ephansi noma iphesenti lemali ebolekiwe.Kubalulekile ukuxoxa ngesakhiwo senkokhelo nomthengisi wakho kusengaphambili.

3. Yield Spread Premium (YSP)

I-YSP iwuhlobo lwesinxephezelo lapho umebolekisi ekhokhela khona umthengisi iprimiyamu yokuthola imali ebolekiwe enenani lenzalo eliphezulu kunesilinganiso esiphansi umboleki afaneleka ukusithola.Le phrimiyamu ingaba umthombo owengeziwe wemali engenayo kumthengisi.

Izinto Ezithinta Isinxephezelo Somthengisi Wezindlu Zokuboleka

Kunezici ezimbalwa ezithonya ukuthi ingakanani imali ekhokhelwa umthengisi wezindlu:

1. Usayizi Wemalimboleko

Uma inani lemali ebolekiwe likhulu, umthengisi wezindlu angase azuze kakhulu, ikakhulukazi kumamodeli esinxephezelo akhokhelwa umbolekisi lapho ikhomishini yomthengisi iyiphesenti lesamba semalimboleko.

2. Uhlobo Lwemalimboleko

Izinhlobo ezihlukene zemalimboleko, njengemalimboleko evamile, i-FHA, noma i-VA, ingase inikeze amanani ahlukahlukene esinxephezelo kubathengi.

3. Imakethe nendawo

Isinxephezelo singahluka ngendawo nezimo zemakethe.Abathengi ezimakethe ezincintisanayo bangase bathole amakhomishini aphezulu.

4. Ulwazi Nedumela Lomthengisi

Abathengisi abanolwazi abanegama eliqinile bangase babize amanani aphezulu esinxephezelo.

5. Amakhono Okuxoxisana

Ababoleki bangase babe nendawo yokuxoxisana ngesinxephezelo somthengisi, ikakhulukazi ezimweni ezikhokhelwa umboleki.

Ukungafihli Esinxephezelweni

Esinye sezici ezibalulekile ekuqondeni isinxephezelo somthengisi wezindlu (mortgage broker) ukubeka izinto obala.Abadayisi kufanele badalule ukwakheka kwabo kwesinxephezelo kubaboleki, kungakhathaliseki ukuthi kukhokhelwa umbolekisi noma obolekayo.Ababolekayo banelungelo lokwazi ukuthi umthengisi uzozuza malini ngokwenziwe.

Isiphetho

Isinxephezelo somthengisi wezindlu ezibolekiwe singahluka ngokusekelwe ezicini eziningi, okuhlanganisa imodeli yesinxephezelo, usayizi wemalimboleko, nezimo zemakethe.Ukuqonda ukuthi ingakanani imali ekhokhelwa ama-mortgage broker kubalulekile kubaboleki, njengoba kusiza ukuqinisekisa obala futhi kuvumela ababoleki ukuthi benze izinqumo ezinolwazi.Kungakhathaliseki ukuthi ukhetha imodeli ekhokhelwa umbolekisi noma ekhokhelwa umboleki, ukuxoxa ngesinxephezelo nomthengisi wakho kuyisinyathelo esibalulekile enqubweni yokuboleka indlu.Khumbula ukuthi umthengisi wezindlu onxeshezelwe kahle futhi onolwazi angakunikeza usizo olubalulekile ekutholeni imali ebolekiwe engcono kakhulu yezidingo zakho.

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.