11/09/2023

Esimeni esiguquguqukayo soxhaso lwezimali zezindlu, ukuthola umbolekisi wezitolo onezilinganiso eziphansi kuyisici esibalulekile ekutholeni imali mboleko engabizi kakhulu futhi ethengekayo.Lesi sihloko sihlola ukubaluleka kwezilinganiso zenzalo, indima yababolekisi bezitolo ezinkulu, namathiphu okuhlonza nokukhetha ababolekisi abanikeza amanani aphansi kakhulu.

Ukuqonda Umthelela Wezilinganiso Zenzalo

Iqhaza Lezilinganiso Zenzalo

Izilinganiso zenzalo zidlala indima ebalulekile ekunqumeni izindleko zizonke zempahla mboleko.Ngisho nomehluko omncane ezilinganisweni zenzalo ungaba nomthelela omkhulu enani eliphelele elibuyiswe phakathi nesikhathi semali mboleko.Ngakho-ke, ukuthola imali ebolekwayo enenani lenzalo ephansi ngangokunokwenzeka kuwumnyakazo ohlakaniphile wezezimali.

Ukonga Izindleko Ngesikhathi Sesikhathi Sokubolekwa

Ukukhetha umbolekisi wesamba esinezilinganiso eziphansi kakhulu kusho ukonga izindleko ngesikhathi semalimboleko.Izilinganiso zenzalo ephansi zisho izinkokhelo eziphansi zenyanga futhi, ekugcineni, umthwalo wezezimali oncishisiwe kumboleki.

Ukubaluleka Kwababolekisi Bezitolo Ezidayisa Impahla Ethengiswayo

Bayini Ababolekisi Bezitolo Ezidayisa Izinto?

Ababolekisi bezitolo ezinkulu yizikhungo zezezimali ezingasebenzi ngqo nomphakathi kodwa kunalokho zisebenzisana nama-mortgage broker ukuze zinikeze imali mboleko.Banikeza izimali ezisetshenziswa abathengisi bezindlu ukuze bathole imali mboleko yababoleki.Ababolekisi bezitolo ezinkulu bavame ukunikeza amanani ancintisanayo kunababolekisi bezitolo ngenxa yemodeli yabo yebhizinisi ehlukile.

Izinzuzo Zokusebenza Nababolekisi Bezitolo Ezidayisa Impahla Ethengiswayo

1. Amanani Ancintisanayo: Ababolekisi bezitolo ezinkulu baziwa ngokunikeza amanani enzalo ancintisanayo, okubenza babe inketho ekhangayo kubaboleki abafuna ukufinyeleleka.
2. Imikhiqizo Ehlukahlukene Yemali Ebolekiwe: Laba babolekisi bavame ukuba nezinhlobonhlobo zemikhiqizo yemalimboleko ukuze bahlangabezane nezidingo ezahlukene zababoleki kanye nezimo zezimali.
3. Ukuvumelana nezimo: Ababolekisi bezitolo ezinkulu bangase babe nezimo eziguquguqukayo ekuxoxisaneni ngemibandela nemibandela, banikeze ababoleki izinketho eziqondene nawe.

Amathiphu Wokuhlonza Ababolekisi Bezitolo Ezidayisa Ukudla Ngezilinganiso Eziphansi Kakhulu

1. Ucwaningo bese uqhathanisa: Yenza ucwaningo olunzulu ngababolekisi abahlukene bezitolo ezinkulu.Qhathanisa izilinganiso zabo zenzalo, izinkokhelo, nemibandela isiyonke.
2. Ukuxhumana Kwama-Broker: Abathengi bezindlu ezibolekiwe bavame ukuba nobudlelwano nababolekisi abahlukahlukene bezitolo ezinkulu.Ukusebenza nomthengisi kungakunikeza ukufinyelela kubabolekisi abanamanani aphansi kakhulu.
3. Funda Izibuyekezo: Bheka ukubuyekezwa kwamakhasimende kanye nobufakazi mayelana nababolekisi bezitolo ezinkulu.Lokhu kunganikeza imininingwane ngesithunzi sabo kanye nolwazi lwabanye ababoleki.
4. Cabangela Imibandela Yokubolekwa: Nakuba izilinganiso zenzalo zibalulekile, cabangela nemibandela yemalimboleko, kuhlanganise nanoma yiziphi izimali ezifihliwe ezingase zibe khona noma izinhlawulo.
5. Hlola Ukungafihli: Khetha umbolekisi wezitolo osobala mayelana namazinga akhe, izinkokhelo, kanye nenqubo yonke yokuboleka.

Isiphetho

Ukuthola imali ebolekwayo ngamanani aphansi kuwumgomo ohambisana nokuphathwa kwezimali okuphusile.Ababolekisi bezitolo ezinkulu, ngokugxila kwabo ekusebenzisaneni nabathengisi bezindlu, bavame ukugqama njengabahlinzeki bezinketho zezimali ezingabizi kakhulu.Ngokuqonda umthelela wezilinganiso zenzalo, indima yababolekisi bezitolo ezinkulu, nokusebenzisa amathiphu okuhlonza labo abanamanani aphansi kakhulu, ababolekayo bangakwazi ukuqalisa uhambo lwemali mboleko engagcini nje ngokuhlangabezana nezidingo zabo zezezimali kodwa futhi oluthuthukisa inhlalakahle yabo yezezimali iyonke.

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.