11/02/2023

Ukuthola umbolekisi wesitolo esidayisa yonke impahla ofanele ngezipesheli zenani lesizini kungashintsha umdlalo kubo bobabili abathenga izindlu nabatshalizimali bezindlu.Laba babolekisi bahlinzeka ngezilinganiso zenzalo ezishintshayo ngokusekelwe kusizini, okuvumela ababoleki ukuthi bathole imali mboleko ngezikhathi ezinenzuzo enkulu.Kulo mhlahlandlela obanzi, sizongena emcabangweni wababolekisi bezitolo ezinkulu ngezilinganiso zesizini zonyaka, izinzuzo abazilethayo, kanye nendlela yokuwasebenzisa ngokugcwele la mathuba.

Ukuqonda Ababolekisi Bezitolo Ezidayisa Izinto Ngezinikelo Zesilinganiso Sesizini

Ababolekisi bezitolo ezinkulu abanezilinganiso zesizini banikeza ababolekayo abafuna izinketho zezimali ezivumelana nezimo nezingabizi kakhulu.Laba babolekisi balungisa izilinganiso zabo zenzalo ngezikhathi ezithile, becabangela izici ezihlukahlukene, okuhlanganisa izimo zemakethe, isidingo, namathrendi esizini.Nakhu okudingeka ukwazi:

1. Ukushintshashintsha Kwesilinganiso Sesizini

Ababolekisi bezitolo ezinkulu bangase behlise izilinganiso zabo zenzalo phakathi nezinkathi ezithile zonyaka lapho isidingo sokuthenga ikhaya siphansi, ngokuvamile ekwindla nobusika.Ngokuphambene, zingase zinyuse amanani entwasahlobo nasehlobo lapho umsebenzi wezindlu ezithengiswayo uvame ukwanda.

2. Izinzuzo Zababoleki

• Ukonga Izindleko: Ababoleki bangakwazi ukusizakala ngamanani aphansi phakathi nezinkathi ezingabizi kakhulu, okungenzeka babagcinele imali empilweni yabo yonke yemalimboleko.
• Ukufinyeleleka Okunyukile: Amanani aphansi angenza ubunikazi bezindlu buthengeke kakhulu futhi busize abatshalizimali bezindlu ezithengiswayo bavikele izindawo ngenani eliphansi.
• Isikhathi Semakethe: Izipesheli zamanani esizini zinikeza ithuba lokubeka isikhathi imakethe futhi wenze izinyathelo zamasu ngendawo ethengiswayo.

3. Izinhlobo zemalimboleko

Ababolekisi bezitolo ezinkulu abanezipesheli zenani lesizini ngokuvamile banikela ngezinhlobo ezahlukene zemalimboleko, okuhlanganisa izikweletu zesilinganiso esingaguquki, ama-mortgages anesilinganiso esishintshwayo (ama-ARM), nokunye.Ababoleki bangakhetha imali ebolekiwe evumelana kangcono nemigomo yabo yezezimali.

Ungazuza Kanjani Ezinhlinzekweni Zezilinganiso Zesizini

Ukuze wenze okuningi ngezilinganiso zesizini zokunikezwayo ezivela kubabolekisi bezitolo ezinkulu, naka amasu alandelayo:

1. Ukubeka Isikhathi Okuthenga Ngaso

Uma ungumthengi wezindlu, cabanga ukubeka isikhathi sokuthenga kwakho ngezikhathi zonyaka lapho amanani ephansi.Lokhu kungaholela ekongeni okukhulu kwesikhathi eside.

2. Amathuba Okuxhasa Ngezimali kabusha

Abanikazi bezindlu abakhona bangahlola izinketho zokuthola kabusha imali phakathi nezinkathi zonyaka lapho amanani ephansi kakhulu ukuze banciphise izinkokhelo zezindlu zenyanga noma bakhokhe imali ebolekiwe ngokushesha.

3. Utshalomali Lwezakhiwo

Abatshalizimali bezindlu ezithengiswayo bangasebenzisa iminikelo yesilinganiso sesizini ukuze bavikele izakhiwo zokutshalwa kwezimali ezinezindleko eziphansi zokuboleka, okungase kukhuphule amarijini abo enzuzo.

4. Xhumana Nochwepheshe Wezezindlu

Ukusebenza nochwepheshe wezezindlu ezibolekiwe owazi kahle amathrendi ezilinganiso zesizini kungakusiza uzulazule emakethe futhi wenze izinqumo ezinolwazi.

Ukukhetha Umbolekisi Ofanele

Uma ukhetha umbolekisi wesamba esinemititilizo yesilinganiso sesizini, cabangela izici ezilandelayo:

1. Idumela

Cwaninga isithunzi somboleki nezibuyekezo ezivela kubaboleki bangaphambilini ukuze uqinisekise ukuthi banomlando wokuletha izithembiso zenani lesizini.

2. Ukuvumelana nezimo

Khetha umbolekisi ohlinzeka ngezinhlobonhlobo zemikhiqizo yemalimboleko nemibandela eguquguqukayo ukuze uhlangabezane nezidingo zakho ezihlukile.

3. Ukungafihli

Khetha umbolekisi ohlinzeka ngolwazi olucacile nolusobala mayelana neminikelo yakhe yesilinganiso sesizini nanoma yiziphi izinkokhelo ezihlobene.

4. Isiqondiso Sochwepheshe

Funa isiqondiso kochwepheshe bezindlu mboleko abanganikeza imininingwane kubabolekisi abangcono kakhulu ngezinhlelo zesilinganiso sesizini.

Isiphetho

Ababolekisi bezitolo ezinkulu abanezilinganiso zesizini zonyaka bakha amathuba okonga izindleko kanye nezinyathelo zezezimali zamasu kubo bobabili abathenga izindlu nabatshalizimali bezindlu.Ngokuqonda ukuthi lokhu kushintshashintsha kwezinga lesizini kusebenza kanjani futhi ubeke isikhathi izinqumo zakho zezezimali ngendlela efanele, ungakwazi ukukhulisa izinzuzo zalokhu kunikezwa.Qiniseka ukuthi ukhetha umbolekisi onedumela elihle futhi uxhumane nochwepheshe abangakusiza wenze izinqumo ezinolwazi emhlabeni oguquguqukayo wokunikezwayo kwamanani esizini.

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.