Ukwembula Izimfihlo Zemibandela Yokubolekwa Eguquguqukayo Yezakhiwo Zotshalomali

Ezweni eliguquguqukayo lezindlu ezithengiswayoutshalomalie-US, ukuthola imigomo efanelekile yokubolekwa kwezakhiwo kungenza noma kunqamule isivumelwano. Yilapho i-AAA Lendings iqala khona ukusebenza, inikezela ngemibandela yemalimboleko eguquguqukayo ehlangabezana nezidingo ezahlukahlukene zabatshalizimali.

I-AAA Lendings inomlando omuhle kakhulu, ngeminyaka engaphezu kwe-15 embonini, ikhiphe isamba semali ebolekiwe edlula amabhiliyoni angama-20 futhi isize imindeni engaphezu kuka-50,000. Ubuchwepheshe babo kuImalimboleko engeyona ye-Qms ubabeka njengabaphambili ekuhlinzekeni izixazululo ezihambisanayo.

Esinye sezici ezivelele inketho ye-Self Prepared P&L. Kubatshalizimali abangase bathwale kanzima ukuhlinzeka ngembuyiselo yentela evamile, le nketho ibavumela ukuthi bafanelekele ukubolekwa ngezitatimende ezizilungiselele ngokwabo zenzuzo nokulahlekelwa. Lokhu kuvumelana nezimo kuyashintsha umdlalo, njengoba kuvula umnyango wamathuba okutshalwa kwezimali kulabo ababevinjelwe ngaphambilini yizidingo eziqinile zamadokhumenti.

Imalimboleko ye-DSCR (Debt Service Coverage Ratio) ingelinye eliyigugu. Ngemali engenayo yokuqasha efanelekela le mali ebolekiwe, abatshalizimali bezakhiwo bangakwazi ukusebenzisa imali ekhiqizwa ukuqashwa kwabo ukuze bathole uxhaso lwezimali. Lokhu kunenzuzo ikakhulukazi kulabo abagxile ekwakheni iphothifoliyo yezakhiwo ezingenisa imali. Ibenza bakwazi ukunweba izinto zabo ngaphandle kokusindwa kakhulu ukuqinisekiswa kwemali engenayo yomuntu siqu.

Ngaphezu kwalokho, i-HELOC (I-Home Equity Line of Credit) ehlinzekwa yi-AAA Lendings ayinayo inhlawulo ekhokhelwa kusengaphambili. Lokhu kunikeza abatshalizimali inkululeko yokuphatha izimali zabo ngendlela efanele. Bangakwazi ukukhokha imali ebolekiwe ngaphambi kwesikhathi ngaphandle kokufaka izindleko ezengeziwe, banikeze ukuguquguquka kwezezimali kanye nekhono lokuzivumelanisa nezimo zemakethe ezishintshayo.

Inqubo eguquguqukayo yokubhala ngaphansi kwe-AAA Lendings nayo kufanele igqanyiswe. Ngenkathi abanye ababolekisi bengase bathi “Cha”, I-AAA Lendings ivame ukuthola indlela yokuthi “Yebo”. Lokhu kusho ukuthi nabatshalizimali abanekhredithi engaphansi-kuphelele noma izimo zezimali ezihlukile banethuba lokuthola uxhaso oludingekayo lwezindawo zabo zokutshala imali.

Sengiphetha, uma uzingela imigomo yemalimboleko eguquguqukayo yendawo oyitshalile e-US, I-AAA Lendings kufanele ibe phezulu ohlwini lwakho. Iqoqo labo eliphelele lemikhiqizo ebolekiwe, kuhlanganiswe nokuzibophezela ensizakalweni yamakhasimende, kubenza babe uzakwethu onokwethenjelwa ohambweni lwakho lokutshalwa kwezimali kwezakhiwo.