Ulawulo lwesibambiso
Isoftware yolawulo lwesibambiso esoloko isazi ukuba yintoni exhasa imali-mboleko
Kumboleki onesibambiso ongakwaziyo ukutsho ngokukhawuleza ukuba yiyiphi impahla engasemva kwemali-mboleko okanye nokuba isayigutyungela na — dibanisa yonke isibambiso nemali-mboleko yaso, landelela ukugutyungelwa, kwaye usikhulule ngokucocekileyo xa kuhlawulwa.
Imali-mboleko yonakele kwaye ufikelela kwisibambiso — kuphela ifayile ithi isithuthi, ixabiso lidlule iminyaka emithathu, i-inshurensi yaphela ndaweni ithile endleleni, kwaye unentlungu yokuba isithuthi esinye sasibekwe njengesibambiso nakwenye imali-mboleko. Isibambiso bekufanele sibe ngumnatha wakho wokhuseleko. Kanye xa usidinga, awuqinisekanga nokuba sixabisa malini okanye nokuba ngokwenene sesakho ukusithatha.
Apho iwohloka khona
Xa ufikelela kwisibambiso kwaye singekho
Isibambiso sikukhusela kuphela xa usazi ukuba siyintoni, sixabisa malini, nokuba ngokwenene sesakho ukusibanga. Silandelelwa ephepheni, kokuthathu kuyahamba — de kufike usuku ofikelela kuso kwaye ukwazi ngendlela enzima.
Awukwazi ukutsho ngokukhawuleza ukuba yiyiphi impahla exhasa imali-mboleko ethile.
Sonke isibambiso sibhalisiwe kwaye siboshelwe kwimali-mboleko esiyikhuselayo. Vula imali-mboleko kwaye isibambiso silapho — uhlobo, umnini, ixabiso, amaxwebhu — endaweni yokungcwatywa kwifolda engafunyanwayo ngokukhawuleza.
Awazi ngokwenene nokuba isibambiso sisayigutyungela na imali-mboleko.
Yonke imali-mboleko ibonisa ixabiso lesibambiso sayo ngokuchasene nemali esaseleyo, ngoko ukugutyungelwa — i-loan-to-value yakho — linani onokulibona, hayi ithemba. Uxabiso olutsha lucwangcisiwe kwaye lubekwe iphawu, ngoko amaxabiso ahlala ekhoyo endaweni yokuba abandezwe ekuqaleni.
Impahla efanayo ibekwa isibambiso kabini kwaye akukho mntu uqaphelayo.
Impahla esele ikhusela imali-mboleko ibanjwa njengebekwe isibambiso, ngoko xa iphinda ivela ungabona ukuba sele ithathiwe. Isibambiso-kabini esikumangalisayo ekunyanzeliseni sibanjwa edesikeni endaweni yoko.
Imali-mboleko iyahlawulwa kwaye ukukhulula isibambiso yingxubakaxaka yesandla.
Xa imali-mboleko ihlawuliwe, isibambiso sayo sibekwa iphawu lokukhululwa nokususwa kubhalwe phantsi. Umboleki ufumana impahla yakhe emva ngokucocekileyo kwaye unendlela ecacileyo yoko kukhululiweyo nanini.
Yonke imali-mboleko, impahla engasemva kwayo
Toyota Hiace · 2019 · Reg. KDJ 224R
- Ixabiso lesibambiso
- 1 850 000
- Imali-mboleko eseleyo
- 1 260 000
- Imali-mboleko kwixabiso
- 68%
Amanani angumzekelo — uxabiso lwakho lwenene nokugutyungelwa luhlaziywa njengoko impahla iphinda ixatyiswa.
Indlela esebenza ngayo
Indlela i-Lendbox elawula ngayo isibambiso sakho
Isoftware yolawulo lwesibambiso ibhalisa yonke impahla ekhusela iimali-mboleko zakho, ilandelele ixabiso layo ngokuchasene nemali esaseleyo, kwaye ibhale phantsi sonke isibambiso nokukhululwa — ukuze isibambiso sibe yinto onokuyithemba, hayi ifolda othemba ukuba ilungile. Asiluluhlu lweempawu — zizinto ezine ezijika isibambiso ukusuka kwifolda othemba ukuba ilungile siye kukhuseleko onokulithemba ngokwenene xa imali-mboleko yonakala.
Irejista yesibambiso
Yonke impahla oyibambe njengesibambiso kwirejista enye — izithuthi, ipropati, izixhobo, iidiphozithi — nganye nomnini wayo, amaxwebhu nemali-mboleko eboshelwe nayo. Isibambiso esingasemva kwencwadi yakho siyeka ukuhlala kwikhabhinethi yeefayile.
- Bhalisa nawuphi na uhlobo lwempahla neenkcukacha namaxwebhu ayo
- Dibanisa yonke impahla nemali-mboleko (okanye iimali-mboleko) eyikhuselayo
- Umnini, indawo nesalathiso kubanjwe kwinto nganye
- Vula imali-mboleko ubone kanye okuyikhuselayo
Ukulandelela uxabiso nokugutyungelwa
Bona ixabiso lesibambiso ngokuchasene nemali esaseleyo kwimali-mboleko nganye enesibambiso, ukuze wazi ukugutyungelwa kwakho ngokujonga kube kanye kwaye uxabiso olutsha lungalibaziseki ngokuthe cwaka.
- Ixabiso lesibambiso vs ibhalansi eseleyo ngemali-mboleko
- Uxabiso olutsha olucwangcisiweyo, lubekwe iphawu lungekapheli
- Bona iimali-mboleko ezityibilike zaba nesibambiso esingonelanga
Ukulandelela isibambiso nokukhululwa
Yazi imeko yempahla nangaliphi na ixesha — ibekwe isibambiso, ikhululwe ngokuyinxenye okanye isusiwe — ukuze isibambiso singabalwa kabini nokusikhulula xa kuhlawulwa kube linyathelo elibhaliweyo, hayi ingxubakaxaka.
- Imeko yesibambiso ethintela ukubeka isibambiso kabini ngempazamo
- Ukukhululwa nokususwa kubhalwe ngokuchasene nempahla
- Imbali ecacileyo yoko kukhusele ntoni, nanini
Amaxwebhu nokuphela
Gcina amatayitile, i-inshurensi nobhaliso nempahla nganye, kwaye ungaphambili kwimihla ebalulekileyo ukuze umgaqo-nkqubo ophelileyo okanye ubhaliso oluphelileyo lungaze lushiye imali-mboleko ngokuthe cwaka ingenasibambiso.
- Gcina itayitile, i-inshurensi nobhaliso ngempahla
- Landelela imihla yokuphela uyibonise ingekadluli
- Yonke into iqhotyoshelwe kwimpahla, hayi idrayivu eyahlukileyo
Ubungqina
Bekusoloko kukho uloyiko lokuba ndiphosa into ebalulekileyo. Kwandisindisa kwingcinezelo yokukhangela iincwadi — ngoku yonke into isefowunini yam, kwaye ndingalandelela naphi na apho ndikhoyo.
- Indawo enye
- kwirekhodi nganye
- Akusekho
- ukukhangela kwiincwadi
- Landelela
- naphi na
Imibuzo ababoleki abayibuzayo ngesibambiso
- Isoftware yolawulo lwesibambiso sisixhobo esibhalisa yonke impahla ekhusela iimali-mboleko zakho, sidibanise nganye nemali-mboleko esiyixhasayo, silandelele ixabiso layo ngokuchasene nemali esaseleyo (i-loan-to-value), kwaye sibhale phantsi sonke isibambiso nokukhululwa. I-Lendbox igcina yonke irejista yakho yesibambiso kwindawo enye, ukuze ubone ukugutyungelwa kuyo nayiphi na imali-mboleko ngemizuzwana kwaye ukhulule isibambiso ngokucocekileyo xa kuhlawulwa.
- I-Lendbox ifaka yonke impahla kwirejista yesibambiso kwaye iyibophelele kwimali-mboleko esiyikhuselayo, ngoko ukuvula imali-mboleko kubonisa kanye okuyikhuselayo — uhlobo, umnini, ixabiso namaxwebhu — kwaye ukuvula impahla kubonisa ukuba ibekwe isibambiso kweyiphi imali-mboleko. Uyeka ukukhangela kwiifolda ukuphendula umbuzo ekufuneka ukwazi ukuwubona kwindawo enye.
- Ewe. I-Lendbox ilandelela i-loan-to-value (LTV) kwimali-mboleko nganye enesibambiso — ixabiso lesibambiso ngokuchasene nemali esaseleyo — ukuze ukugutyungelwa kube yinto oyibona ngokujonga kunokucinga. Ungacwangcisa uxabiso olutsha kwaye i-Lendbox iyalubeka iphawu lungekalibaziseki, ukuze amaxabiso ahlale ekhoyo endaweni yokuba abandezwe ngomhla imali-mboleko eyabhalwa ngawo.
- I-Lendbox ibeka iphawu impahla njengebekwe isibambiso nje ukuba ikhusela imali-mboleko, ngoko xa ivela ngokuchasene nenye imali-mboleko ungabona ukuba sele ithathiwe. Oko kubamba uhlobo lwesibambiso-kabini olusoloko luvela kuphela ekunyanzeliseni, xa sekusele kade kakhulu ukwenza nantoni na ngako.
- I-Lendbox ibeka iphawu isibambiso ukuze sikhululwe kwaye ibhale ukususwa ngokuchasene nempahla xa imali-mboleko ihlawuliwe, ngoko umboleki ufumana ipropati yakhe emva ngokucocekileyo kwaye ugcina indlela ecacileyo yoko kukhululiweyo nanini. Akukho ngxubakaxaka yesandla yokucacisa ukuba yiyiphi impahla ekhululekileyo ngoku.
- Ewe. I-Lendbox ikuvumela ukubhalisa izithuthi, ipropati, izixhobo, iidiphozithi zemali okanye nayiphi na enye impahla oyithathayo njengesibambiso, nganye neenkcukacha zayo, uxabiso namaxwebhu. Imali-mboleko inokukhuselwa yimpahla engaphezu kwenye, kwaye impahla inokubhalwa ngokuchasene nemali-mboleko esiyixhasayo — ngoko isibambiso esixubeneyo nesabelwana siphathwa kokubini.
- Iyenza. I-Lendbox igcina amatayitile, imigaqo-nkqubo ye-inshurensi namaxwebhu obhaliso nempahla nganye, kwaye ungalandelela imihla ebalulekileyo — njengohlaziyo lwe-inshurensi okanye ukuphela kobhaliso — ukuze i-Lendbox ikwazi ukuyibonisa ingekadluli ishiye imali-mboleko ngokuthe cwaka inesibambiso esingonelanga.
Yintoni isoftware yolawulo lwesibambiso?
I-Lendbox idibanisa njani isibambiso nemali-mboleko?
Ingaba ingalandelela ukuba isibambiso sisayigutyungela na imali-mboleko?
Ingaba ithintela impahla efanayo ukubekwa isibambiso kabini?
Kwenzeka ntoni kwisibambiso xa imali-mboleko ihlawuliwe?
Ingaba ingaphatha iindidi ezahlukeneyo zesibambiso?
Ingaba igcina amaxwebhu empahla nemihla ebalulekileyo?
Soloko usazi okungasemva kwemali-mboleko nganye
Qalisa uvavanyo lwasimahla lwe-Lendbox kwaye ubeke irejista yakho yesibambiso, uxabiso nokukhululwa kwindawo enye — ukhuseleko onokuluthemba, hayi ithemba kuphela.
Akukho khadi lifunekayo.
Apho uya khona okulandelayo
- Zonke iimeko zokusetyenziswaIsoftware yolawulo lwemali-mbolekoIqonga elingasemva kolawulo lwesibambiso, ukuvelisa, ukuqokelela nobalo-mali.
- Ababoleki abakuva kakhulu okuUkuxhasa izithuthi nezixhoboUkubolekisa okuxhaswe yimpahla apho isibambiso nemali-mboleko ziyintengiselwano enye.
- Ababoleki abakuva kakhulu okuUkubolekisa kwabucala okunesibambisoKubaboleki abathatha impahla okanye ipropati njengesibambiso.
- Ababoleki abakuva kakhulu okuUkuvelisa imali-mbolekoApho isibambiso sibhaliswa kwaye sikhangelwa ekuqaleni kwentengiselwano nganye.
- Ababoleki abakuva kakhulu okuAmaxabiso e-LendboxAmaxabiso alula nacacileyo kubaboleki bobukhulu bonke.