Ukuphatha isibambiso
Isofthiwe yokuphatha isibambiso ehlala yazi ukuthi yini eseka imali-mboleko
Kumebolekisi onesibambiso ongakwazi ukusho ngokushesha ukuthi iyiphi impahla engemuva kwemali-mboleko noma kungabe isayifunika — xhuma yonke isibambiso kwimali-mboleko yaso, landelela ukufuneka, futhi usikhulule ngokuhlanzekile lapho kukhokhwa.
Imali-mboleko yonakele udluliselwa esibambisweni — kuphela ifayela lithi imoto, inani lidlulelwe yiminyaka emithathu, umshwalense waphela ndawana thile endleleni, futhi unomuzwa okhathazayo wokuthi imoto efanayo nayo yayibekwe njengesibambiso kweminye imali-mboleko. Isibambiso bekufanele sibe inethi yakho yokuphepha. Kanye lapho usidinga, awuqiniseki ngisho ngokuthi sibiza malini noma ukuthi ngempela ngesakho ukusithatha.
Lapho kuphuka khona
Lapho udluliselwa esibambisweni futhi singekho
Isibambiso sikuvikela kuphela uma wazi ukuthi siyini, sibiza malini, nokuthi ngempela ngesakho ukusifaka isicelo. Silandelelwa ephepheni, kokuthathu kuyahamba — kuze kufike usuku odlulselwa kuso futhi ukwazi ngendlela enzima.
Awukwazi ukusho ngokushesha ukuthi yiphi impahla eseka imali-mboleko ethile.
Yonke isibambiso sibhalisiwe futhi siboshelwe kwimali-mboleko esiyivikelayo. Vula imali-mboleko futhi isibambiso silapho khona — uhlobo, umnikazi, inani, amadokhumenti — esikhundleni sokungcwatshwa kufolda ongekho oyitholayo ngokushesha.
Awazi ngempela ukuthi isibambiso sisayifunika yini imali-mboleko.
Yonke imali-mboleko ikhombisa inani lesibambiso sayo kunesamba esisele, ngakho ukufuneka — i-loan-to-value yakho — yinombolo ongayibona, hhayi ithemba. Izilinganiso ezisha zihleliwe futhi zibekwe uphawu, ngakho amanani ahlala ekhona kunokuba aqandwe ekuqaleni.
Impahla efanayo ibekwa isibambiso kabili futhi akekho oqaphelayo.
Impahla eseyivikela imali-mboleko ibanjwa njengebekwe isibambiso, ngakho lapho iphinda ivela ungabona ukuthi seyithathiwe. Isibambiso-kabili esikumangaza ekuphoqeleleni sibanjwa edeskini esikhundleni.
Imali-mboleko iyakhokhwa futhi ukukhulula isibambiso kuyisiphithiphithi sezandla.
Lapho imali-mboleko ilungisiwe, isibambiso sayo sibekwa uphawu lokukhululwa nokususwa kubhalwe phansi. Umbolekisi uthola impahla yakhe emuva ngokuhlanzekile futhi unendlela ecacile yokuthi yini ekhululiwe nanini.
Yonke imali-mboleko, impahla engemuva kwayo
Toyota Hiace · 2019 · Reg. KDJ 224R
- Inani lesibambiso
- 1,850,000
- Imali-mboleko esele
- 1,260,000
- Imali-mboleko kunenani
- 68%
Izibalo eziyisibonelo — izilinganiso zakho zangempela nokufuneka kuyabuyekezwa njengoba impahla ilinganiswa kabusha.
Ukuthi kusebenza kanjani
Indlela i-Lendbox ephatha ngayo isibambiso sakho
Isofthiwe yokuphatha isibambiso ibhalisa yonke impahla evikela imali-mboleko yakho, ilandelele inani layo kunesamba esisele, futhi ibhale phansi sonke isibambiso nokukhululwa — ukuze isibambiso sibe yinto ongayithemba, hhayi ifolda othemba ukuthi ilungile. Akuwona uhlu lwezici — yizinto ezine eziguqula isibambiso kusukela kufolda othemba ukuthi ilungile siye kuvikeleko ongalithemba ngempela lapho imali-mboleko yonakala.
Irejista lesibambiso
Yonke impahla oyibambe njengesibambiso kwirejista elilodwa — izimoto, izakhiwo, izinsiza, izimali-bekeleni — ngayinye nomnikazi wayo, amadokhumenti nemali-mboleko eboshelwe nayo. Isibambiso esingemuva kwencwadi yakho siyeka ukuhlala kukhabethe lamafayela.
- Bhalisa noma yiluphi uhlobo lwempahla nemininingwane namadokhumenti ayo
- Xhuma yonke impahla kwimali-mboleko (noma izimali-mboleko) eyivikelayo
- Umnikazi, indawo nesithenjwa kubanjwe kuyo yonke into
- Vula imali-mboleko ubone kahle ukuthi yini eyisekayo
Ukulandelela isilinganiso nokufuneka
Bona inani lesibambiso kunesamba esisele kuyo yonke imali-mboleko enesibambiso, ukuze wazi ukufuneka kwakho ngokubuka kanye futhi izilinganiso ezisha zingaphuzi ngokuthulile.
- Inani lesibambiso kunebhalansi esele ngemali-mboleko
- Izilinganiso ezisha ezihleliwe, zibekwe uphawu zingakaphethi
- Bona izimali-mboleko ezishelele zaba nesibambiso esingenele
Ukulandelela isibambiso nokukhululwa
Yazi isimo sempahla nganoma yisiphi isikhathi — ibekwe isibambiso, ikhululwe ngokwengxenye noma isusiwe — ukuze isibambiso singabalwa kabili nokusikhulula lapho kukhokhwa kube yisinyathelo esibhaliwe, hhayi isiphithiphithi.
- Isimo sesibambiso esivimbela ukubeka isibambiso kabili ngephutha
- Ukukhululwa nokususwa kubhalwe maqondana nempahla
- Umlando ocacile wokuthi yini eyivikele yini, nanini
Amadokhumenti nokuphela
Gcina amatayitela, umshwalense nokubhalisa nempahla ngayinye, futhi ungaphambili ezinsukwini ezibalulekile ukuze inqubomgomo ephelelwe yisikhathi noma ukubhalisa okuphelelwe kungasoze kushiye imali-mboleko ngokuthulile ingenasibambiso.
- Gcina itayitela, umshwalense nokubhalisa ngempahla
- Landelela izinsuku zokuphela uzikhombise zingakadluli
- Yonke into inamathiselwe kwimpahla, hhayi idrayivu ehlukile
Ubufakazi
Bekuhlala kunokwesaba ukuthi ngishiya okuthile okubalulekile. Kwangisindisa engcindezini yokufuna izincwadi — manje konke kusefonini yami, futhi ngingalandelela noma ngikuphi.
- Indawo eyodwa
- kuyo yonke irekhodi
- Akusekho
- ukufuna ezincwadini
- Landelela
- noma ngakuphi
Imibuzo abebolekisi abayibuza ngesibambiso
- Isofthiwe yokuphatha isibambiso iyithuluzi elibhalisa yonke impahla evikela imali-mboleko yakho, lixhuma ngayinye kwimali-mboleko eyisekayo, lilandelela inani layo kunesamba esisele (i-loan-to-value), futhi libhala phansi sonke isibambiso nokukhululwa. I-Lendbox igcina irejista lakho lonke lesibambiso endaweni eyodwa, ukuze ubone ukufuneka kunoma iyiphi imali-mboleko ngemizuzwana futhi ukhulule isibambiso ngokuhlanzekile lapho kukhokhwa.
- I-Lendbox ifaka yonke impahla kwirejista lesibambiso futhi iyibophele kwimali-mboleko eyivikelayo, ngakho ukuvula imali-mboleko kukhombisa kahle ukuthi yini eyisekayo — uhlobo, umnikazi, inani namadokhumenti — futhi ukuvula impahla kukhombisa ukuthi ibekwe isibambiso kweyiphi imali-mboleko. Uyeka ukufuna kumafolda ukuphendula umbuzo okufanele ukwazi ukuwubona endaweni eyodwa.
- Yebo. I-Lendbox ilandelela i-loan-to-value (LTV) kuyo yonke imali-mboleko enesibambiso — inani lesibambiso kunesamba esisele — ukuze ukufuneka kube yinto oyibona ngokubuka kanye kunokucabanga. Ungahlela izilinganiso ezisha futhi i-Lendbox iziphawula zingakaphuzi, ukuze amanani ahlale ekhona kunokuba aqandwe ngosuku imali-mboleko eyabhalwa ngalo.
- I-Lendbox iphawula impahla njengebekwe isibambiso lapho isivikela imali-mboleko, ngakho lapho ivela kwenye imali-mboleko ungabona ukuthi seyithathiwe. Lokho kubamba uhlobo lwesibambiso-kabili oluvame ukuvela kuphela ekuphoqeleleni, lapho sekuphuze kakhulu ukwenza okuthile ngakho.
- I-Lendbox iphawula isibambiso ukuze sikhululwe futhi ibhale ukususwa maqondana nempahla lapho imali-mboleko ilungisiwe, ngakho umbolekisi uthola impahla yakhe emuva ngokuhlanzekile futhi ugcina indlela ecacile yokuthi yini ekhululiwe nanini. Akukho siphithiphithi sezandla sokucacisa ukuthi iyiphi impahla esikhululekile manje.
- Yebo. I-Lendbox ikuvumela ukubhalisa izimoto, izakhiwo, izinsiza, izimali-bekeleni noma enye impahla oyithathayo njengesibambiso, ngayinye nemininingwane yayo, isilinganiso namadokhumenti. Imali-mboleko ingavikelwa yimpahla engaphezu koyodwa, futhi impahla ingabhalwa maqondana nemali-mboleko eyisekayo — ngakho isibambiso esixubene nesabelwana kuphathwa kokubili.
- Iyenza. I-Lendbox igcina amatayitela, izinqubomgomo zomshwalense namadokhumenti okubhalisa nempahla ngayinye, futhi ungalandelela izinsuku ezibalulekile — njengokuvuselelwa komshwalense noma ukuphela kokubhalisa — ukuze i-Lendbox ikwazi ukuzikhombisa zingakadluli zishiye imali-mboleko ngokuthulile inesibambiso esingenele.
Iyini isofthiwe yokuphatha isibambiso?
I-Lendbox ixhuma kanjani isibambiso kwimali-mboleko?
Ingabe ingalandelela ukuthi isibambiso sisayifunika yini imali-mboleko?
Ingabe ivimbela impahla efanayo ukubekwa isibambiso kabili?
Kwenzekani esibambisweni lapho imali-mboleko ikhokhiwe?
Ingabe ingaphatha izinhlobo ezihlukene zesibambiso?
Ingabe igcina amadokhumenti empahla nezinsuku ezibalulekile?
Hlala wazi ukuthi yini engemuva kwayo yonke imali-mboleko
Qala ukulinga kwamahhala kwe-Lendbox futhi ufake irejista lakho lesibambiso, izilinganiso nokukhululwa endaweni eyodwa — ukuvikeleko ongakuthemba, hhayi ithemba nje.
Akudingeki ikhadi.
Lapho kuya khona ngokulandelayo
- Zonke izimo zokusebenzisaIsofthiwe yokuphatha imali-mbolekoInkundla engemuva kokuphatha isibambiso, ukuqalisa, ukuqoqa nokubala.
- Abebolekisi abakuzwa kakhulu lokhuUkuxhasa izimoto nezinsizaUkubolekisa okusekelwe empahleni lapho isibambiso nemali-mboleko kuyisivumelwano esifanayo.
- Abebolekisi abakuzwa kakhulu lokhuUkubolekisa okuyimfihlo okunesibambisoKubebolekisi abathatha impahla noma izakhiwo njengesibambiso.
- Abebolekisi abakuzwa kakhulu lokhuUkuqalisa imali-mbolekoLapho isibambiso sibhaliswa futhi sihlolwa ekuqaleni kwesivumelwano ngasinye.
- Abebolekisi abakuzwa kakhulu lokhuAmanani e-LendboxAmanani alula nacacile kubebolekisi bawo wonke usayizi.