Ukuba umnikazi wendlu kuyisinqumo esibalulekile sezezimali esidinga ukuqonda umjikelezo wempilo ye-mortgage eyinkimbinkimbi. Ochwepheshe emkhakheni wezokuthenga izindlu kanye nalabo abangase babe ngabanikazi bezindlu kudingeka baqonde izigaba ezihlukahlukene zalo mjikelezo. Sizohlola izigaba ezibalulekile ze I-Mortgage Life Cycle kule bhulogi, ukukhanyisa inqubo eyinkimbinkimbi eqala ngesicelo futhi iqhubeke phakathi neminyaka yokukhokha. Sekuqedile Izifundo ze-CeMAP, abantu abacabanga ngomsebenzi wokweluleka ngezindlu ezibolekiwe bangathola ukuqonda okubalulekile ngobunkimbinkimbi balo mjikelezo wempilo.
Okuqukethwe
- Isigaba Sangaphambi Kwesicelo
- Isicelo kanye Nokuvunywa
- Ukulinganiswa Kwezakhiwo kanye Nokuhlolwa Okusemthethweni
- Nikeza Ukwamukela Nokudlulisa
- Ukuqedwa kanye Nokunikezela
- Ukukhokhwa Kwempahla Yezindlu
- Ukushintsha Izimo
- Ukukhokhwa Kokugcina kanye Nokuvalwa Kwezindlu Zokuboleka
- Isiphetho
Isigaba Sangaphambi Kwesicelo
Abanikazi bezindlu abazoba ngabanikazi bavame ukungena esinyathelweni sangaphambi kokufaka isicelo ngaphambi kokuthi baqale ngisho nenqubo yokufaka isicelo semali mboleko. Lokhu kuhlanganisa ukuthola isabelomali esingokoqobo, ukubukeza amaphuzu esikweletu, nokuhlola ukulungela komuntu ubunikazi bendlu. Lesi sinyathelo senza isisekelo sokufaka isicelo se-mortgage esiyimpumelelo futhi singabaluleka ekugwemeni ubunzima ngokuhamba kwesikhathi.
Isicelo kanye Nokuvunywa
Uhambo lwangempela luqala ngenqubo esemthethweni yokufaka isicelo se-mortgage. Ababolekisi bathola ulwazi lwezezimali, umlando womsebenzi, nemininingwane yendawo ehlinzekwa ngababoleki. Abeluleki bezindlu ezibolekwayo, abavame ukuba nolwazi oluvela ezifundweni ze-CeMAP, babalulekile ekusizeni abantu abazongena kulesi sigaba. Ngemva kokuhlola isicelo ngokucophelela, ababolekisi banquma inani lempahla kanye nokufaneleka komboleki. Umboleki uthola isithembiso se-mortgage nemigomo nemibandela yemali mboleko ngemva kokuvunywa kwayo.
Ukulinganiswa Kwezakhiwo kanye Nokuhlolwa Okusemthethweni
Umbolekisi ulinganisa ikhaya uma isicelo samukelwe ukuze aqiniseke ukuthi inani lendlu kanye nenani lemalimboleko kuyahambisana. Ngasikhathi sinye, izivivinyo ezingokomthetho ziyenziwa ukuze kuqinisekiswe isihloko sendawo nokuqinisekisa ukuthi akukho zinkinga ezingokomthetho ezikhona. Ngokuthatha lezi zinyathelo zokuphepha, obolekayo kanye nomabolekisi bavikelekile kunoma yiziphi izingozi ezihlobene nesakhiwo.
Nikeza Ukwamukela Nokudlulisa
Umboleki wamukela ngokusemthethweni isithembiso se-mortgage ngemva kokuqeda ukuhlola okusemthethweni nokuthola inani elifanelekile. Inqubo esemthethweni yokushintsha ubunikazi bezindlu ezithengiswayo iqala ngokudluliswa kwempahla. Abameli, abavame ukuqashwa ngomdluliseli womthengi noma ummeli, bayawanakekela amaphepha futhi baqinisekise ukuthi zonke izimfuneko zomthetho ziyagcwaliseka.
Ukuqedwa kanye Nokunikezela
Isigaba sokugcina ngaphambi kokuba umboleki abe ngumnikazi wendawo saziwa njengesigaba sokuqeda. Umthengi ukhokha isamba okuvunyelwene ngaso, bese umebolekisi ekhokhela ibhalansi yemalimboleko. Umnikazi womuzi omusha uzothola okhiye uma yonke into isiqediwe. Kuleli qophelo, inqubo yokuthenga indlu iyaphela, futhi isigaba sokubuyisela imali yendlu siyaqala.
Ukukhokhwa Kwempahla Yezindlu
Obolekayo uqala isigaba sokukhokha somjikelezo wempilo yempahla ebanjiswayo ngemva kokuba indawo isingeyendawo ngokusemthethweni. Ngokuhamba kwesikhathi esibekiwe, umebolekisi uthola izinkokhelo ezivamile ezihlanganisa uthishanhloko nenzalo. Abeluleki bezindlu ezibolekiwe abaqede izifundo ze-CeMAP ngokuvamile basiza ababolekayo ukuphatha izinkokhelo zabo futhi babheke izindlela zokuthuthukisa izimo zabo zezezimali, njengokuthola imali kabusha noma ukuboleka imali.
Ukushintsha Izimo
Ababoleki bangase bahlangabezane nezinguquko ezimweni zabo phakathi nomjikelezo wempilo yempahla ebanjiswayo, njengesifiso sokuthutha, ukukhushulelwa iholo, noma ukulahlekelwa umsebenzi. Ochwepheshe bezindlu ezibolekayo bangasiza ababoleki ukuthi bazulazule kulezi zinguquko ngokusebenzisa ukuqonda kwabo okuvela ezifundweni ze-CeMAP. Bangaluleka ngokuthengisa noma ukuthenga indawo entsha noma bahlole amathuba afana namaholide okukhokha kanye nokulungiswa kwempahla yezindlu.
Ukukhokhwa Kokugcina kanye Nokuvalwa Kwezindlu Zokuboleka
I-mortgage iyancipha kancane kancane uma umboleki enza izinkokhelo. Umjikelezo wempilo ye-mortgage uphela ngenkokhelo yokugcina. Isitatimende esivela kumbolekisi sifakazela iqiniso lokuthi umboleki uyena yedwa umnikazi wendawo nokuthi isikweletu sikhokhelwe ngokugcwele. Yisikhathi sokuphumelela nenkululeko yezezimali.
Isiphetho
Bobabili abanikazi bezindlu abangaba khona kanye nochwepheshe bemboni yezindlu ezibolekwayo badinga ukuqonda izigaba zomjikelezo wempilo ye-mortgage. Ngemuva kokuphothula izifundo ze-CeMAP, abeluleki bezindlu ezibolekiwe bazoba nolwazi oludingekayo ukuze basize amakhasimende esigabeni ngasinye sobunzima bomjikelezo. Umjikelezo wempilo yezindlu ezibolekwayo uyinqubo eyinkimbinkimbi edinga ukunakwa emininingwaneni, ulwazi lwezezimali, nokuzinikela ekusizeni amakhasimende ukuba afinyelele izinjongo zawo zokuba ngabanikazi bezindlu kusukela ngesikhathi sokufaka isicelo sokuqala kuya esikhathini sokukhokha kokugcina. Ukuqonda ubuqili balo mjikelezo wempilo kuzokwenza ulwazi lwakho emhlabeni osheshayo woxhaso lwezindlu nezakhiwo lube lula futhi lufundiseke kakhudlwana, kungakhathaliseki ukuthi uchwepheshe wezindlu ezibolekiwe noma umnikazi wendlu ongase ube khona.
