Ulwazi lwalabo abathanda ukubhalisa njenge-mortgage broker

Isho ukuthini i-mortgage broker?

Uma usebhizinisini lokuphelezela abatshalizimali, ubungusomabhizinisi wesonto noma wazi amakhasimende amaningi noma abafundi abanentshisekelo yokuthola imalimboleko e-US ngemuva kwethenda ephelele yamakhulu ezinkampani ezixhasa ngezimali - futhi uneklayenti elifunayo ukuthatha i-mortgage? Uza kuwebhusayithi yakho, agcwalise ifomu lesicelo futhi abhalise nathi njengekhasimende lakho.

Yini ebalulekile kithi ngokubambisana nawe?

Ukulunga

Iklayenti lakho ngalinye libhaliswe ohlelweni lwethu futhi uzothola amakhomishini kuwo ngayo yonke imali ebolekiwe yesikhathi esizayo - kusukela ekupheleni kwethu kuya e-Nadar, ngokuvamile sinikeza ikhomishini kuphela ngemalimboleko yokuqala noma enomkhawulo wesikhathi.

Ungakwazi ukususa ngokuphelele ilogo yethu kusixhumanisi osithumelela ikhasimende noma ikhodi kuwebhusayithi yakho ngokufaka ilogo yakho esikhundleni - ikhasimende alazi nokuthi singobani ngaphambi kokugcwalisa ifomu lokuxhumana, ngakho ngeke likwazi dlula wena.

Transparency

Ekubhaliseni kwethu njengabadayisi babanye ababolekisi, sabhekana nokuntuleka kokwenza izinto obala - asizange silandele inqubekela phambili yemali mboleko kusukela ekuqaleni kuze kube sekugcineni, futhi asizange siwathole amakhomishini ebesifanele ukuwathola.

Silapha ukuze siguqule ngqo okusikhathazile - unokuqapha okuphelele kwenqubekelaphambili yemali mboleko kusukela ekuqaleni kuya ekugcineni, njengomboleki.

Ikhomishini

Sikholelwa ukuthi izimali ezikhokhwa kuwe zizoba ngezindleko zethu hhayi ngezindleko zomboleki - obolekayo uzokhokha ngendlela efanayo uma eza ngawe noma kithina ngqo - sabelana ngezinkokhelo zethu nawe.

Esikubonile nabanye abakwaLander ukuthi balayisha ikhomishini yakho lapho kuvalwa ikhasimende – asikwenzi lokho! Sivele sihole kancane.

Ukuze sithandeke, izinkokhelo zethu sezivele ziphansi kakhulu embonini ukuze kuzuze obolekayo - futhi ningozakwethu - senza wonke umsebenzi futhi sigcina ithimba labasebenzi abangu-14 emholweni futhi sikhokhela izinhlelo zobuchwepheshe ezingcono kakhulu zokuphathwa kwemali mboleko. - futhi uthola imali engenayo.

Izinga lokuzibandakanya kwakho enqubweni yemalimboleko likuwe - uyakwazi ukufinyelela ingosi efanayo ncamashi neyomboleki wakho futhi ungavuselela nsuku zonke ukuze ubone isimo semali mboleko - njengeklayenti lakho - futhi ubone ukuthi ikuphi. inqubo futhi wazi lapho kufanele imali.

Inani lekhomishini

1/3 yalokho esikutholayo - kulula nje futhi kuyangenzeleli.

Izindleko nomsebenzi kukithi - uthola isamba semali engenayo ngokudluliselwa.

Ikhomishini ithathwa kithi futhi ayikhokhiswa ikhasimende.

Kukhona imali ebolekiwe - ikakhulukazi emincane - oyithola kakhulu kithi, ikakhulukazi ezimeni lapho imali ebolekiwe yelulwa - sikhokha amaholo kubasebenzi abangu-13 futhi imali ethatha isikhathi eside cishe isibiza kakhulu. Futhi, abasebenzi bethu bathola amabhonasi lapho kuvalwa ngaphezu komholo, futhi lokhu kuphuma ephaketheni lethu futhi akuthinti lokho okutholayo.

Uzokwazi kanjani ukuthi sithola malini?

Ngakho-ke yonke into esinayo isobala ngokugcwele kukhasimende futhi wena - iwebhusayithi yethu inethebula lezindleko elaziwa kusengaphambili ngokohlelo lomboleki - evamile noma i-premium, kanye nenani lemali mboleko.

Futhi, ekupheleni kwesikweletu - uzothola isithombe-skrini sendawo ku-HUD ebonisa ikhomishini yomthengisi - okubhalwe lapho - uthola 1/3 ngaphandle kokuhlakanipha ngemva nje kokuthola ikhomishini yethu.

Asidlali ngemali yozakwethu.

Singakutshela ukuthi silinyazwe ezinye izinhlelo zokudlulisela kwabanye ngokwethu, futhi sathi ngathi kuzohluka - sithumele amakhasimende angaphezu kuka-200 ku-Israel Lander eyaziwayo futhi kubo, sithole amadola angu-500 kabili kuphela! Isamba esingu-$1000 kwezingama-200 ezibolekiwe. ihlaya.

Akukho obala futhi akukho ukulandelela.

Siyakholelwa kukho – ungakwenzi okuzondayo kumngane wakho, ngakho konke esikubone ohlelweni lokudlulisela esingakuthandanga – senze isiqiniseko sokuthi akanakho.

Ukubhaliswa ohlelweni lomthengisi

Bhalisa esizeni sohlelo lomthengisi ngemininingwane yakho. Asikho isidingo sokuba nelayisensi. Ungagcwalisa inombolo yefoni esikhundleni senombolo yelayisense bese ukhetha inketho yozakwethu.

Inketho yokubhalisa ngaphandle kwelogo yethu - Ilebula Elimhlophe

Ungalayisha i-logo yakho ekubhaliseni bese amakhasimende akho eza kuwebhusayithi yakho engazi ngisho nokuba khona kwethu kuze kube ngemva kokudluliselwa kanye nokuqala kwendali yemalimboleko.

Ukuqinisekiswa kokubhaliswa kanye nokutholwa kwekhodi yokushumeka kuwebhusayithi

Ngemva kokubhalisa, uzosibuyekeza ukuze sikwazi ukugunyaza isicelo - sizokunikeza amakhodi amathathu avela ohlelweni avumela ukwethulwa okuhlukile kwefomu lesicelo semalimboleko. Izibonelo zingabonwa ngokuchofoza ngezansi.

Ngakho-ke yini efakiwe kumakhodi owatholayo

Ikhodi yokuvula ifomu lemalimboleko yemali engenayo yewebhusayithi yakho enelogo yakho yangasese (akukhulunywa ngathi):
1. Ikhodi ehlanganisa ukuskrola okuzenzakalelayo
2. Ikhodi ngaphandle kokuskrola okuzenzakalelayo
3. Ikhodi enezinyathelo eziningi - uhlu lwemibuzo luzoba semakhasini amaningana nasemakhasini amaningana ahlukene

Kungani kunamakhodi amaningana?
Ukuze ukwazi ukukhetha okufaneleka kakhulu ekubonakaleni nasekuklanyweni kwewebhusayithi yakho kanye nolwazi lomsebenzisi olufunayo kumakhasimende akho agcwalisa uhlu lwemibuzo ukuze aqale imali mboleko.

Qondisa izixhumanisi zefomu uma ungenayo iwebhusayithi

Ngaphandle kwalokho, uma ungenayo iwebhusayithi, uthola izixhumanisi ezimbili ezizinikele ongazithumela kumakhasimende akho.

Ezibonelweni ezingezansi ungabona izixhumanisi eziqondile zefomu ongalithumela kumakhasimende akho, isixhumanisi esinefomu lezinyathelo eziningi - ifomu elihlanganisa izinyathelo ezimbalwa zokugcwalisa, kanye nesixhumanisi esinefomu elivamile.

Qondisa izixhumanisi zefomu uma ungenayo iwebhusayithi

Ufuna ukusijoyina njengama-mortgage broker?

Kulula kakhulu - gcwalisa ifomu lokujoyina kuwebhusayithi - ngokuchofoza ngezansi.

Kuphumelele!!!