Ubungqina beNgxowa-yinye Nenye indlela yokuthetha Mbonise iMali
Ngaphezu koko, abathengisi bahlala befuna ubungqina bemali evela kumthengi wemali. Kungenxa yokuba i- arhente yoluhlu isenokuba isicebisa umthengisi ukuba agcine ikhaya kwiimarike ade i-ejenti ithole ubungqina bemali kumthengi.
Ubungqina beeNgxowa kunye neCash Buyer
Ukubeka nje, umthengi wemali ngumntu okanye inhlangano enekheshi ngesandla ukuze uvale. Akukho mboleko ochaphazelekayo, akukho mboleko. Nje imali. Abathengi abaninzi banokuzicingela ukuba bangumthengi wemali kodwa ngokwenene azinjalo. Aba bathengi aba:
- Kwinkqubo yokuthengisa izitokisi okanye iimali eziphathekayo
- Ukubamba isitifiketi sediphozi esingazange ikhule
- Ukuboleka imali kwisihlobo
- Ukuhlaziya kwakhona indawo yokuhlala ukuze ukhulise imali
- Ukulinda inkundla yeengxaki ukusabalalisa impahla
- Ukuboleka kweemali
- Ukuhlawula imali kwiakhawunti yomhlalaphantsi
- Ukufumana i- mortgage eqinisekisiwe kwipropati ayithengayo
Ngamanye amagama, ukuba imali ayifumanekanga kwaye itholakale kalula, ngoko umthengi akayithengi imali. Umthengi ngumntu owenza isipho esiphezu kwesinye isethi seemeko ezenzekayo. Ngamanye amaxesha abathengi abafumana iimali-mboleko ezinzima zibonelela ngemali xa bengenayo imali.
Olu hlobo lendlela yokuziphatha lubonwa njengento ekhohlisayo ubuncinane kwaye mhlawumbi iphula umthetho wesivumelwano.
Ubungqina Bokuba Ubungqina beeNgxowa zokuBhaliswa kweNtlawulo ephantsi
Ngaphezulu nangaphaya kwemali engqongqo kwidibanti yokuthenga iimali ezifunekayo ukuvala isango, umyinge wokuhlawula kunye nentlawulo yokuvala.
Iindleko zokuvala zomthengi zingaba malunga neepesenti ezingama-3 okanye intengo yokuthengisa.
Ukuba umthengi unamathele umthamo ngekhredithi, kunokuba nzima kakhulu ukubonisa ukuba umthengi unemathimba egcwele imali. Ukuxhomekeka kwekheshi kwi-bhanki kungenokuba ingxaki, nayo. Umthetho we-Federal ufuna ukuba ibhanki ibhengeze imali engaphezulu kweedola ezili-10 ukuya kurhulumente.
Naluphina ubungqina bemali kufuneka luhlu uluhlu lwezinto ezilandelayo, ngokukhethekileyo kwi-letterhead esemthethweni evela kwisiko apho imali ihlala khona:
- Umhla
- Igama lomnini-akhawunti
- Ibhalansi yemali kwidiphozithi
Ingaba ukuqinisekiswa kweemali kukubonisa ukuba umthengi unentlawulo ephantsi okanye yonke imali eyimfuneko ukuze ugweme ukufumana umboleko wempahla , inkqubo iyafana. Umthengi uya kufuna ukuvelisa uxwebhu. Ngomnye uxwebhu lingaqinisekiswa yigosa le mboleko, kodwa kaninzi kunokuba kunjalo, umthengisi kunye ne-ejenti yomthengisi uya kufuna ukubona uxwebhu loqobo. Nazi iindlela ezimbalwa zeesampulu zamaxwebhu:
- Isitatimende sebhanki sokuqala
- Ingxelo yebhanki ye-Intanethi
- Uluhlu oluvulekileyo lwe-credit
- Ikopi yemali yemarike yemarike yemarike
- Iingxelo zemali eziqinisekisiweyo