11/10/2023

Emkhakheni oguquguqukayo wokuxhaswa ngezimali kwezindlu ezibolekwayo, isimo sezwe siyashintsha njalo ukuze sinikeze ababoleki izixazululo ezintsha.Enye yalezi zindlela ezitholakalayo wumqondo wababolekisi abanikeza izaphulelo zabathengi.Lesi sihloko sidingida ukubaluleka kwezaphulelo zomthengisi, sihlola izinzuzo abazilethayo kubaboleki, futhi sinikeza imininingwane ekukhetheni umbolekisi ofanele kulo mkhakha.

Ukuqonda Izaphulelo Zomthengisi

Ziyini izaphulelo zama-Broker?

Izaphulelo zomdayiseli, kumongo wokubolekwa kwezindlu, zibandakanya ababolekisi abanikeza izikhuthazo zezimali kubathengi.Lezi zaphulelo zingathatha izinhlobo ezihlukahlukene, njengephesenti lemali ebolekiwe noma isinxephezelo semali esingaguquki.Inhloso ukukhuthaza ukusebenzisana phakathi kwababolekisi nabadayisi nokudala isimo esizuzisa ngokufanayo.

Ukubaluleka Kwezaphulelo Zomthengisi

Izaphulelo zomthengisi zidlala indima ebalulekile ekukhuthazeni abathengisi ukuthi basebenze nababolekisi abathile.Idala ubudlelwano be-symbiotic lapho abathengisi begqugquzelwa ukuthi bavikele imalimboleko kubabolekisi abathile, futhi ngokubuyisela, ababoleki bangakwazi ukuzuza ekongeni izindleko noma emigomeni yemalimboleko ethuthukisiwe.

Izinzuzo zababolekisi abanikeza izaphulelo zomthengisi

1. Ukonga Izindleko Zababoleki

Enye yezinzuzo eziyinhloko zababolekisi abanikeza izaphulelo zomthengisi amandla okulondolozwa kwezindleko kubaboleki.Imihlomulo yezezimali enikezwa abathengisi ingadluliselwa kobolekayo, okuholela ekwehliseni izindleko zokuvala noma ngisho nenani lenzalo eliphansi.

2. Ukuncintisana Kwandisiwe Phakathi Kwababolekisi

Ukwethulwa kwezaphulelo zabathengi kukhuthaza ukuncintisana okukhulayo phakathi kwababolekisi.Njengoba abathengisi begqugquzelwa ukuthi bahlole izinketho zemalimboleko nababolekisi abanikeza izaphulelo, kukhuthaza ababolekisi ukuthi bathuthukise ukunikezwa kwabo ukuze bahlale bencintisana emakethe.

3. Izinsizakalo Zomthengisi Ezithuthukisiwe

Ababolekisi abanikeza izaphulelo zabathengi ngokuvamile bathola ukusebenzelana nomthengisi okuphakeme.Lokhu kungaholela ekutheni abathengisi banikeze izinsizakalo ezibanzi kubabolekayo, njengoba izinzuzo zabo zezezimali zixhumene nokwenziwe ngemalimboleko eyimpumelelo negculisayo.

4. Ukuhlukahluka Kwezinketho Zemalimboleko

Ngezaphulelo zomdayiseli ezikhuthaza ukusebenzisana nababolekisi abathile, ababoleki bathola ukufinyelela ezinhlobonhlobo zezinketho zemalimboleko.Lokhu kungaba yinzuzo ikakhulukazi kubantu abanezidingo zezimali ezihlukile noma labo abafuna imikhiqizo eyisipesheli yemalimboleko.

Ukukhetha Izaphulelo Zombolekisi Olungile Wokunikeza Izaphulelo

1. Izakhiwo Zesaphulelo Socwaningo

Cwaninga kahle izakhiwo zesaphulelo ezinikezwa ababolekisi abahlukene.Qonda ukuthi banikeza iphesenti lenani lemalimboleko, isaphulelo esinqunyiwe, noma okunye okuhlukile.Lolu lwazi lusiza ekuqhathaniseni nasekukhetheni inketho enenzuzo kakhulu.

2. Linganisa Imibandela Yokubolekwa Sekukonke

Nakuba izaphulelo zabathengi zikhanga, kubalulekile ukuhlola yonke imigomo yemalimboleko enikezwa ngumbolekisi.Qinisekisa ukuthi izilinganiso zenzalo, imigomo yokukhokha, kanye nezinye izimo zihambisana nemigomo yakho yezezimali kanye nezinketho zakho.

3. Buyekeza Impendulo Yomthengisi

Cabangela impendulo evela kubadayisi ababambisene nababolekisi abanikeza izaphulelo.Lokhu kunganikeza imininingwane ngokusebenza ngempumelelo kohlelo lwesaphulelo kanye nolwazi oluphelele lokusebenza nombolekisi.

4. Cabangela Izinzuzo Zesikhathi Eside

Bheka ngale kwezindleko ezisheshayo futhi ucabangele izinzuzo zesikhathi eside zokukhetha umbolekisi onikeza izaphulelo zomthengisi.Hlola ukuthi ukunikezwa kombolekisi kuhambisana kanjani nemigomo yakho yezezimali nokuthi ukubambisana kunikeza izinzuzo eziqhubekayo.

Isiphetho

Ezweni elihlala lishintsha le- mortgage, umqondo wababolekisi abanikeza izaphulelo zomthengisi wethula isici esisha sokuguquguquka nokonga kwezindleko okungaba khona kwababolekayo.Njengoba uzulazula ohlelweni lokuthola imali ebolekwayo, hlolisisa izinzuzo zezaphulelo zomthengisi, ucabangele imithelela yesikhathi eside, bese ukhetha umabolekisi okunikezwayo kwakhe kuhambisana kalula nezinjongo zakho zezezimali.

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.