11/08/2023

Uma kuziwa ekutholeni imali yokubolekwa kwempahla, isikhathi ngokuvamile siwumgogodla.Kungakhathaliseki ukuthi ungumthengi wezindlu omagange ukuvikela ikhaya lamaphupho akho noma umtshali-zimali wezindlu ezithengiswayo ofuna ukuvala isivumelwano, isivinini lapho umbolekisi wakho wesitolo esidayisa yonke impahla ecubungula khona ukubhala phansi singenza umehluko omkhulu.Kulesi sihloko, sizocubungula izikhathi zokuguqula i-wholesale yemalimboleko engaphansi, kungani ibalulekile, kanye nendlela yokusheshisa inqubo yokugunyazwa kwempahla mboleko.

Ukuqonda I-Underwriting Ekubolekweni Kwezindlu

Iyini I-Underwriting?

I-mortgage underwriting yinqubo lapho umebolekisi ehlola khona ubungozi obuhambisana nokuhlinzeka ngemalimboleko kumboleki.Ngesikhathi sokubhala ngaphansi, umebolekisi uhlola ukufaneleka komboleki, imali engenayo, umlando wokuqashwa, kanye nempahla ekhokhelwayo.

Ukubaluleka Kokubhala Ngaphansi

Ukubhala phansi kuyisinyathelo esibalulekile enqubweni yokugunyaza i-mortgage.Isiza ababolekisi ukuthi banqume izinga lengozi abayithathayo kanye nokuthi umboleki uyikhandidethi elifanelekile yini lemali ebolekiwe.Inqubo yokubhala phansi ihlanganisa ukubukezwa okuphelele kwesimo sezimali somboleki kanye nesakhiwo okufanele sixhaswe ngezimali.

Kungani Izikhathi Zokushintsha I-Underwriting Zibalulekile

Isivinini lapho umebolekisi wezitolo ezinkulu angaqedela ngaso ukubhala ngaphansi sibalulekile ngenxa yezizathu ezimbalwa:

1. Inzuzo Encintisanayo: Emakethe eqhudelanayo yezindlu nezindlu, ukwazi ukuhambisa ukunikezwa okuqinile, okubhalwe phansi ngaphambili kungakwehlukanisa nabanye abathengi.
2. Ukuvalwa Okusheshayo: Ukubhala phansi ngokushesha kungaholela ekuvunyweni ngokushesha kwe-mortgage futhi, ngenxa yalokho, ukuvala ngokushesha, okubaluleke kakhulu kubatshalizimali bezindlu.
3. Izikhathi Zokukhiya Izinga: Izinga lenzalo emalini ebolekiwe yezindlu ngokuvamile likhiywa isikhathi esithile.Ukubhala phansi okusheshayo kuqinisekisa ukuthi izinga lokukhiya lihlala livumelekile.
4. Ingcindezi Encishisiwe: Izikhathi zokubhala ngaphansi ezimfushane zinciphisa ingcindezi ehambisana nokulinda ukugunyazwa kwempahla mboleko.

Amathiphu Wokusheshisa Ukuguqulwa Kokubhala Ngaphansi

Ukuze usheshise inqubo yokubhala phansi nombolekisi wakho wesitolo esikhulu, cabangela amathiphu alandelayo:

1. Hlela Amadokhumenti Akho: Qinisekisa ukuthi wonke amadokhumenti adingekayo aphelele futhi ahleleke kahle, okuhlanganisa amafomu entela, ama-stub, izitatimende zasebhange, nanoma imaphi amarekhodi ezezimali engeziwe.
2. Gcina Ukuxhumana Okuhle: Hlala usondelene nombolekisi wakho, uphendule ngokushesha kunoma yiziphi izicelo zolwazi olwengeziwe noma ukucaciselwa.
3. Khetha Umabolekisi Onerekhodi Elihle: Khetha umbolekisi wesamba owaziwa ngenqubo yakhe yokubhala ngaphansi ngempumelelo.
4. Sebenza Nomthengisi Wezindlu: Abadayisi bezindlu ezibolekiwe banokuxhumana nababolekisi abahlukahlukene futhi bangakusiza ukuthi uthole eyodwa enombhalo waphansi osheshayo.
5. Cabangela Ukubhala Ngaphansi Okuzenzakalelayo: Abanye ababolekisi banikeza amasistimu okubhala ngaphansi azenzakalelayo angasheshisa inqubo kubaboleki abahlangabezana nemibandela ethile.

Isiphetho

Izikhathi zokushintsha ama-Wholesale obolekisa ngemali zidlala indima ebalulekile ohlelweni lokugunyazwa kwempahla mboleko.Kungakhathaliseki ukuthi ungumthengi wezindlu noma umtshali-zimali wezindlu, inqubo esheshayo yokubhala phansi ingaba ukhiye ekutholeni indawo oyifisayo.Ngokuqonda ukubaluleka kwesivinini sokubhala phansi kanye nokulandela amathiphu okusheshisa inqubo, ungakwazi ukuhlela uhambo lwakho lokubolekwa kwezindlu futhi usondele esinyathelweni esisodwa ekufezekiseni ubunikazi bakho bendlu noma imigomo yokutshala imali.

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.