11/25/2023

Esimeni esiguquguqukayo soxhaso lwemali ye-mortgage, ukuthola izilinganiso zenzalo ezincintisanayo kuyinto ehamba phambili kubaboleki.Lo mhlahlandlela ophelele uhlola ukubaluleka kwezilinganiso zenzalo eziqhudelanayo, ikakhulukazi uma zitholwa kubabolekisi bezitolo ezinkulu.Sihlolisisa izinzuzo, ukucatshangelwa, namasu ababoleki abangawasebenzisa ukuze bafinyelele lawa mazinga avumayo.

Ukuqonda Amazinga Enzalo Encintisanayo

Izilinganiso zenzalo ezincintisanayo zingamazinga anikezwa ababolekisi angaphansi noma ngaphansi kwamazinga emakethe akhona.Lezi zilinganiso zinikeza ababoleki izinzuzo zezezimali, okuhlanganisa izinkokhelo zanyanga zonke eziphansi kanye nezindleko zenzalo ezincishisiwe phakathi nokuphila kwemali mboleko.

Iqhaza Lababolekisi Bezitolo Ezidayisa Izimpahla Ezithengiswayo

Incazelo Nokubaluleka

Ababolekisi bezitolo ezinkulu yizikhungo zezezimali ezisebenza kuphela nabadayisi bezindlu, esikhundleni sokusebenzelana ngqo nababolekayo.Laba babolekisi bahlinzeka ngemikhiqizo ye-mortgage ngamanani ama-wholesale, okuvumela ama-broker ukuthi axoxisane futhi avikele imigomo yokuncintisana egameni lamakhasimende abo.

Izinzuzo zababolekisi bezitolo ezinkulu

1. Ukufinyelela Kumanani Aphansi: Ababolekisi bezitolo ezinkulu bavame ukuhlinzeka ngemikhiqizo yezindlu ezibolekiwe ngamanani aphansi uma kuqhathaniswa nababolekisi abadayisayo, okuhumushela ukonga izindleko zababolekayo.
2. Imikhiqizo Ehlukahlukene: Ababolekisi bezitolo ezinkulu bangase banikeze ngezinhlobonhlobo zemikhiqizo yempahla yendlu, okuvumela ababoleki ukuthi bakhethe izinketho ezihambisana nemigomo yabo yezezimali.
3. Ukuguquguquka Kwezingxoxo: Abadayisi bezindlu ezibolekiwe banekhono lokuxoxisana nababolekisi bezitolo ezinkulu ukuze bavikele imigomo elungele amakhasimende abo, okuhlanganisa namazinga enzalo ancintisanayo.

Amasu Okufinyelela Izilinganiso Ezincintisanayo Kubabolekisi Bezitolo Ezidayisa Impahla Ethengiswayo

1. Xhumana Nezikweletu Zezindlu

Ama-mortgage broker asebenza njengabalamuli phakathi kwababolekayo nababolekisi bezitolo ezinkulu.Ukusebenzelana nomthengisi wezindlu onolwazi nohloniphekile kuvula umnyango wenethiwekhi yababolekisi bezitolo ezinkulu kanye namazinga abo ancintisanayo.

2. Yakha Iphrofayela Eqinile Yesikweletu

Ukufaneleka komboleki ngesikweletu kuba nomthelela kakhulu emazingeni enzalo abawafanelekelayo.Ukuqinisa iphrofayela yakho yesikweletu ngokugcina umlando wokukhokha omuhle kanye nokubhekana nezikweletu ezisele kuthuthukisa ukufaneleka kwakho ukuthola amanani ancintisanayo.

3. Qhathanisa Okunikezwayo

Kubalulekile ukuthenga eduze kwakho futhi uqhathanise okunikezwayo okuvela kubabolekisi bezitolo ezinkulu ezahlukene.Umbolekisi ngamunye angase abe nezinhlaka zesilinganiso esiyingqayizivele, futhi ukuqhathanisa okuphelele kuqinisekisa ukuthi uvikela imigomo enenzuzo kakhulu.

4. Cabangela Amaphuzu Nezimali Ezikhokhwayo

Ngokungeziwe kuzilinganiso zenzalo, ababoleki kufanele bahlaziye amaphuzu nezinkokhelo ezihambisana nemalimboleko.Kwesinye isikhathi, ukukhokha amaphuzu kusenesikhathi kungaholela esilinganisweni senzalo esiphansi empilweni yonke yemali mboleko.

Ukuzulazula ku-Mortgage Landscape: Ukucatshangelwa Komboleki

1. Uhlobo Lwemalimboleko kanye Nesikhathi

Uhlobo lwemali mboleko kanye nesikhathi sayo kuthinta izinga lenzalo.Izimali ezibolekiwe ezinesilinganiso esingaguquki zingase zibe namanani ahlukile kunezikweletu zenani elilungisekayo, futhi imigomo emifushane ingase inikeze amanani aphansi kunamade.

2. Izici Zomnotho

Bheka izici zomnotho ezifana nokwehla kwamandla emali, amanani okuqashwa kanye nezimakethe.Lezi zinto zinethonya kumazinga enzalo, futhi ababoleki bangase bazuze ekukhiyeleni amanani phakathi nezimo zomnotho ezivumayo.

3. Imigomo Yezezimali Yesikhathi Eside

Cabangela imigomo yakho yezezimali yesikhathi eside lapho ukhetha i-mortgage.Imali mboleko enezinga lenzalo encintisanayo ayihambelani nje nesimo sakho sezezimali samanje kodwa futhi nezifiso zakho zekusasa.

Isiphetho: Ukukhulisa Ukonga Ngezilinganiso Zenzalo Ezincintisanayo

Emzamweni wokuba umninikhaya noma uxhaso lwezimali, ukubaluleka kwezilinganiso zenzalo ezincintisanayo ezivela kubabolekisi bezitolo ezinkulu ngeke kugcizelelwe.Ababolekayo bazothola izinzuzo ezinkulu zezezimali ngokuzulazula ngobuchule isimo sendawo yokuboleka.Ngokusebenzisa ubuchwepheshe babathengi bezindlu ezibolekiwe, ukugxila ekukufanelekeleni isikweletu, nokuqhathanisa ngenkuthalo okunikezwayo, ababoleki bazibeka esimweni sokuvula inani lezilinganiso zenzalo ezincintisanayo, baqinisekise uhambo oluvuna kakhulu nolungabizi kakhulu lokuba ngabaninikhaya.

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.