12/05/2023

Ukuhlola I-Landscape ye-No Income Mortgage Options

Emhlabeni oguquguqukayo wokuxhaswa ngezimali kwezindlu ezibolekwayo, imfuneko evamile yokubonisa iholo eliqinile ingaba yisithiyo esibalulekile kubantu abathile.Kodwa-ke, sekuqhamuke isigaba esihlukile sababolekisi - labo abanikeza “Imali Ebolekiwe Engenayo.”Lo mhlahlandlela obanzi uhlose ukucacisa izici, izinzuzo ezingaba khona, kanye nokucatshangelwa okuhlotshaniswa nababolekisi bezindlu ezingagxili ekubhalweni kwengenisomali evamile.

Ukuqonda Akukho Ababolekisi Bezindlu Zokubolekwa Kwemali Engenayo

Abekho ababolekisi bezindlu ezingenayo, abaziwa nangokuthi “ababolekisi be-“No Doc”, abanikeza enye indlela abantu abangaba imithombo yabo yemali engenayo ingase ingahambelani nomsebenzi ovamile noma kulabo abafuna inqubo yokufaka isicelo elula kakhulu.Laba babolekisi bagxila ezimeni zokuhlola ezihlukene, ezinikeza ukufinyeleleka kuhlu olubanzi lwababolekayo.

Izici Zokubolekwa Kwezindlu Ezingenayo Imali Engenayo

1. Ukugcizelelwa Okuncane Kwemibhalo Yemali Engenayo Yendabuko:
   • Uhlolojikelele: Abekho ababolekisi bezindlu ezibolekiwe abadinga ubufakazi obuncane bemali engenayo noma abangenabo nhlobo, njengamafomu e-W-2 noma amafomu entela.
   • Umthelela: Le ndlela yokwenza lula isheshisa inqubo yokugunyaza imalimboleko kubaboleki.
2. Ukugcizelelwa Kwamanye Amamethrikhi:
   • Uhlolojikelele: Ababolekisi bagxila kwamanye amamethrikhi, afana nokufaneleka isikweletu kanye nokuzinza kukonke kwezezimali, ukuze bahlole amandla omboleki okukhokha.
   • Umthelela: Ababoleki abanemithombo yemali engenayo engajwayelekile noma amaphrofayili ezezimali ayinkimbinkimbi bangathola laba babolekisi bebafanele kakhulu.
3. Imikhiqizo Ehlukene Yemalimboleko:
   • Uhlolojikelele: Abekho ababolekisi bezindlu ezibolekiwe abanikeza izinhlobonhlobo zemikhiqizo ebolekiwe, okuhlanganisa imali mboleko yokuthenga ikhaya, ukubuyisela imali, kanye nemalimboleko yezindlu.
   • Umthelela: Ababoleki banokuguquguquka kokukhetha imali mboleko ehambisana nemigomo yabo yobunikazi bendlu ethile.

Izinzuzo Nokucatshangelwa Kwababoleki

1. Ukufinyeleleka Kwemithombo Okungeyona Eyendabuko Yemali Engenayo:
   • Inzuzo: Abekho ababolekisi bemali yezindlu ezingenayo ababhekelela abantu abazisebenzayo, abazimele, nalabo abanemithombo yemali engenayo eguquguqukayo.
   • Ukucatshangelwa: Nakuba kufinyeleleka, ababoleki bangase bahlangabezane namazinga enzalo aphezulu noma ezinye izici eziyisinxephezelo.
2. Inqubo Yokugunyaza Ngokushesha:
   • Inzuzo: Ukugcizelela okuncishisiwe kumadokhumenti emali engenayo ngokuvamile kuholela enqubweni yokugunyaza esheshayo.
   • Ukucatshangelwa: Ukugunyaza okusheshayo akufanele kuthikameze ukuqonda okuphelele kwemibandela yemalimboleko.
3. Ukuguquguquka Ekubhalweni Kwemali Engenayo:
   • Inzuzo: Ababoleki bangathula izinhlobonhlobo zemibhalo yemali engenayo, njengezitatimende zasebhange noma imali engenayo yebhizinisi, ukukhombisa ukuzinza kwezezimali.
   • Ukucatshangelwa: Ukuxhumana okucacile nomabolekisi kubalulekile ukuze uqinisekise ukuthi imibhalo enikeziwe ihambisana nezidingo zabo.

Ukucatshangelwa Kwababoleki

1. Ukuhlolwa Kwezimali Okuningiliziwe:
   • Okutuswayo: Nakuba imibhalo yemali engokwesiko incane, ababoleki kufanele bazihlolele ngokugcwele isimo sabo sezezimali.
2. Ukuqonda Imigomo Yemalimboleko:
   • Okutuswayo: Qonda kahle imigomo yemalimboleko, okuhlanganisa amanani enzalo, amashejuli okukhokha, nanoma yiziphi izinhlawulo ezingaba khona.
3. Ukuqhathanisa Ukuthenga:
   • Okunconyiwe: Hlola okunikezwayo okuvela kubabolekisi bezindlu abangaholi abahlukene ukuze uvikele imigomo evumayo kakhulu yezimo zezimali ngazinye.

Ukuzulazula kunqubo yohlelo lokusebenza

1. Ukuxhumana Okuvulekile:
   • Isiqondiso: Gcina ukuxhumana okusobala nababolekisi, uqinisekise ukuqonda okucacile kwezidingo ezithile kanye nokulindelwe.
2. Isiqondiso Sochwepheshe:
   • Isiqondiso: Funa iseluleko kochwepheshe bezindlu ezibolekwayo noma abeluleki bezezimali ukuze uhlole ukuthi ingabe imali ebolekiwe engenayo ihambisana nemigomo yezezimali yesikhathi eside.
3. Ukubuyekezwa Komthetho Uma Kudingeka:
   • Isiqondiso: Uma kubhekwa uhlobo oluhlukile lwalezi zimali mboleko, abeluleki bezomthetho banganikeza imininingwane ebalulekile ezingozini ezingaba khona kanye nezivikelo.

Isiphetho: Ukunikeza Amandla Ohambo Lwezezimali Oluhlukene

Abekho ababolekisi bezindlu zemali engenayo abanikeza indlela eyingqayizivele yabantu abanemithombo yabo yemali ephambuka kokujwayelekile.Nakuba laba babolekisi benikeza ukufinyeleleka okwengeziwe, ababoleki kufanele basondele enqubweni yokuthatha izinqumo ngokuqonda okucacile kwemigomo kanye nokuhwebelana okungase kube khona.Ngokuzulazula ezinkingeni zokungabi bikho kwezimali ezibolekiwe ngokuzikhandla nangokuqwashisa, ababoleki bangakwazi ukusebenzisa la mathuba ayingqayizivele ukuze bafinyelele izinjongo zabo zobunikazi bezindlu nezezimali, kube nesandla esimweni esibandakanya kakhulu sokuthola imali yezindlu ezibolekwayo.

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.