11/10/2023

Esimeni esiyinkimbinkimbi soxhaso lwemali ye-mortgage, ukuthola ababolekisi abanikeza inhlanganisela yezilinganiso eziphezulu ze-Loan-to-Value (LTV) kanye nezilinganiso zenzalo ephansi kungase kushintshe umdlalo kubaboleki.Lesi sihloko sidingida ukubaluleka kwe-LTV, sihlola izinzuzo zababolekisi abane-LTV ephezulu namanani aphansi, futhi sinikeza imininingwane kubaboleki abafuna ukuzulazula kule ndawo enenzuzo.

Ukuqonda Ukubolekwa Kwevalue (LTV)

Iqopha i-LTV

I-LTV iyimethrikhi ebalulekile ekuxhasweni kwezimali ngendawo yokubolekwa, emelela isilinganiso senani lemalimboleko enani elilinganiselwe lesakhiwo.I-LTV ephezulu ibonisa inani elikhulu lemalimboleko elihlobene nevelu yendawo, enikeza ababolekayo amandla okuxhasa ingxenye ebalulekile yokuthenga kwabo ikhaya.

Ukubaluleka kwe-LTV ephezulu

I-LTV ephezulu iba usizo ikakhulukazi kubaboleki abanemali elinganiselwe yokukhokha kancane.Ibavumela ukuthi bathole imali mboleko enesidingo esincane semali yangaphambili, bavule iminyango yokuba ngabanikazi bezindlu engxenyeni ebanzi yabantu.

Ababolekisi abane-LTV ephezulu namanani aphansi

Yini Ebenza Bahluke?

Ababolekisi abanikeza i-LTV ephezulu namazinga aphansi bazihlukanisa ngokunikeza ababolekayo inzuzo ekabili yokufinyelela inani lemalimboleko enkudlwana kuyilapho bejabulela amanani enzalo avumayo.Le nhlanganisela ikhanga ikakhulukazi kulabo abafuna ukufinyeleleka ngaphandle kokuyekethisa usayizi wemalimboleko.

Izinzuzo ze-LTV Ephakeme kanye Nezilinganiso Eziphansi

1. Ukufinyeleleka Okukhulisiwe: Inzuzo eyinhloko ukukwazi ukuthengeka okuthuthukisiwe.I-LTV ephezulu yenza ababoleki bakwazi ukuvikela imali mboleko enkudlwana, kuyilapho amanani enzalo ephansi enikela ezinkokhelweni ezilawulekayo zenyanga, okwenza ubunikazi bezindlu bufinyeleleke kalula.
2. Izindleko Zangaphambili Ezincishisiwe: Kubaboleki abanokulondoloza okulinganiselwe, i-LTV ephezulu inciphisa isidingo senkokhelo ephansi.Lokhu kungaba usizo ikakhulukazi kulabo abaqalayo ukuthenga izindlu noma labo abafuna ukulondoloza ukheshi kwezinye izinjongo zezimali.
3. Ukufinyelela Okubanzi Kubunikazi Bekhaya: Ababolekisi abane-LTV ephezulu namanani aphansi badlala indima ebalulekile ekwandiseni ukufinyelela kubunikazi bezindlu.Lokhu kubaluleke kakhulu ezimakethe lapho amanani ezakhiwo ephezulu, futhi ukonga ukuze uthole inkokhelo encane kufakazela inselele.
4. Amazinga Enzalo Encintisanayo: Izilinganiso zenzalo ezincintisanayo ezinikezwa yilaba babolekisi ziqinisekisa ukuthi ababoleki abazuzi nje kuphela enanini lemalimboleko ephezulu kodwa futhi bajabulela ukuxhaswa ngezimali okungabizi kakhulu kukho konke ukuphila kwesikweletu.

Ukucatshangelwa Kwababoleki

1. Ukufaneleka Kwesikweletu

Nakuba izinketho eziphezulu ze-LTV zikhona, ababoleki kufanele baqaphele ukufaneleka kwabo kwekhredithi.Ukugcina amaphuzu esikweletu anempilo kuthuthukisa amathuba okuthola izilinganiso zenzalo ezivumayo, ngisho ne-LTV ephezulu.

2. Ukuhlelwa Kwezimali Kwesikhathi Eside

Ababoleki kufanele bacabangele imigomo yabo yezezimali yesikhathi eside lapho bekhetha i-LTV ephezulu namanani aphansi.Hlola ukuthi imigomo yemalimboleko ihambisana kanjani nezinhlelo zesikhathi esizayo, uqinisekise ukuthi uxhaso luhlala luzinzile ngokuhamba kwesikhathi.

3. Ukuqhathanisa Ukuthenga

Hlola iminikelo evela kubabolekisi abahlukahlukene ukuze uhlonze amagama avumayo kakhulu.Nakuba i-LTV ephezulu namazinga aphansi enenzuzo, izinketho zokuqhathanisa kuvumela ababoleki ukuthi bavikele uxhaso olungabizi kakhulu futhi oluhambisanayo.

4. Ukubonisana Nezisebenzi Zokubolekwa Kwezindlu

Ukuxhumana nabachwepheshe bezezindlu kunganikeza imininingwane ebalulekile.Abeluleki bezindlu ezibolekwayo bangaqondisa ababoleki ekuqondeni ama-nuances okuthola imali kwe-LTV ephezulu, babasize benze izinqumo ezinolwazi ezihambisana nezinjongo zabo zezezimali.

Isiphetho

Ababolekisi abanikeza i-LTV ephezulu namanani aphansi bamele isango lokufinyeleleka okuthuthukisiwe kanye namathuba anwetshiwe obunikazi bezindlu.Njengoba ababoleki bezulazula kulo mkhakha, indlela yamasu ehlanganisa ukuhlolwa kwezikweletu, ukuhlela isikhathi eside, kanye nokuxoxisana nochwepheshe bemboni kuqinisekisa inqubo yokuthatha izinqumo enolwazi.Ukukhetha ababolekisi abahambisana nakho kokubili imigomo yezezimali kanye nezifiso zempahla kuvula indlela efinyeleleka kakhudlwana futhi esimeme yokuba ngumninikhaya.

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.