11/10/2023

Isingeniso:Esimeni esiguquguqukayo semboni yezindlu ezibolekwayo, ababoleki bavame ukubhekela ababolekisi abanganikezi nje kuphela amanani enzalo ancintisanayo kodwa futhi abanikeze isinxephezelo esikhangayo somthengisi.Lesi sihloko sicubungula ukubaluleka kwesinxephezelo esikhulu somthengisi kubabolekisi, sikhanyisela izinzuzo esizilethayo kubo bobabili ababoleki nabathengi.

Iqhaza Lama-broker: Abathengi bezindlu ezibolekiwe basebenza njengabalamuli phakathi kwababoleki nababolekisi, badlala indima ebalulekile ekusizeni ukuthengiselana okungenazihibe.Isinxephezelo sabo, ngokuvamile esinqunywa ababolekisi, singahluka kakhulu.Kubaboleki abafuna amadili angcono kakhulu, ukuqonda izinzuzo zababolekisi ngesinxephezelo esikhulu sabathengi kubalulekile.

Izinzuzo Zesinxephezelo Somthengisi Omkhulu:

1. Ikhwalithi Yesevisi Ethuthukisiwe: Ababolekisi abanikeza isinxephezelo sabathengi abaningi basengozini enkulu yokuheha abathengisi abanekhono nabanolwazi.Lokhu kuhumusha ngokuqondile ikhwalithi yesevisi ephakeme yababoleki, njengoba abathengisi abanolwazi bebaqondisa ebunzimeni bezinketho ze-mortgage, beqinisekisa ukuthi benza izinqumo ezinolwazi.
2. Ukufinyelela Imikhiqizo Ehlukahlukene Ehlukahlukene: Ababolekisi abanesinxephezelo esiphezulu sabathengi bavame ukusebenzisana nenethiwekhi ebanzi yezikhungo zezezimali.Le nethiwekhi enwetshiwe ihlinzeka ababolekayo ngokufinyelela ezinhlobonhlobo zemikhiqizo yempahla yezindlu, okwandisa amathuba okuthola isisombululo esilungiselelwe esihambisana nemigomo yabo yezezimali ehlukile.
3. Amazinga Enzalo Encintisanayo: Isinxephezelo esikhulu somthengisi ngokuvamile sihlotshaniswa nababolekisi ababeka phambili ukuncintisana emakethe.Laba babolekisi bakhuthazwa ukuba banikeze ababoleki amanani enzalo akhangayo ukuze bahlale ngaphambi komncintiswano, ekugcineni kuzuzise umugqa wezimali womboleki.
4. Ukugunyazwa Kwemalimboleko Esheshisiwe: Ukusebenza kahle kwenqubo yesicelo se-mortgage kuwukukhathazeka okukhulu kubaboleki.Ababolekisi abanesinxephezelo esikhulu sabathengi bakhuthazwa ukuba benze lula ukusebenza kwabo, okuholela ezikhathini zokugunyazwa kwemali mboleko ngokushesha.Lokhu akunciphisi nje kuphela ingcindezi kubaboleki kodwa futhi kubenza bakwazi ukuvikela amakhaya abo amaphupho ngokushesha.
5. Isiqondiso Somuntu Siqu: Uhambo lwezezimali lomboleki ngamunye luhlukile, futhi isiqondiso somuntu siqu sibaluleke kakhulu.Abadayisi abahlotshaniswa nababolekisi abanikeza isinxephezelo esikhulu kungenzeka batshale isikhathi namandla ekuqondeni izidingo ezithile zababolekayo, banikeze iseluleko esilungiselelwe esidlulela ngalé kwendlela yokulinganisa konke.

Ukukhetha Umbolekisi Ofanele: Ngokuqonda ukuthi isinxephezelo somthengisi ophezulu singashintsha umdlalo kubaboleki, isinyathelo esilandelayo ukuzulazula emakethe ukuze uthole umbolekisi ofanele.Nawa amathiphu okwenza isinqumo unolwazi:

1. Izibuyekezo Zomdayiseli Wocwaningo: Hlola izibuyekezo nobufakazi obuhlobene nabadayisi bezindlu ezihlotshaniswa nababolekisi abaziwa ngesinxephezelo esiphezulu.Le mpendulo eyenzeka mathupha inganikeza imininingwane kokuhlangenwe nakho kwabanye ababolekayo futhi ikusize ulinganise ileveli yesevisi ongayilindela.
2. Qhathanisa Izilinganiso Zenzuzo Nemigomo: Nakuba isinxephezelo somthengisi sibalulekile, kubalulekile ngokufanayo ukuqhathanisa amanani enzalo kanye nemibandela yemalimboleko enikezwa ababolekisi abahlukene.Ukuthola ibhalansi phakathi kwesinxephezelo esiqhudelanayo nezimo ezivumayo zemalimboleko kuqinisekisa ukuhlolwa okuphelele kwabangase babe ngababolekisi.
3. Xhumana Nabadayisi Abaningi: Xhumana nabathengi abaningi bezindlu ezibolekwayo ukuze uqonde inqwaba yababolekisi abasebenzisana nabo.Lokhu akugcini nje ngokwandisa izinketho zakho kodwa futhi kukuvumela ukuthi uhlole ubungcweti namakhono okuxhumana abadayisi abahlukene.

Isiphetho: Emzamweni wemali ebolekiwe efanelekile, indima yababolekisi abanesinxephezelo esikhulu somthengisi ngeke iqiniswe.Izinzuzo, kusukela kukhwalithi yesevisi ethuthukisiwe kuya kumazinga enzalo aqhudelanayo, zenza laba babolekisi babe yisinqumo esiphoqelelayo sababolekayo.Ngokuzulazula emakethe ngokucophelela nokusebenzisa ubuchwepheshe babathengi abanolwazi, ababoleki bangavula inani elingenakuqhathaniswa ohambweni lwabo lwezindlu ezibolekiwe.

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.