Mortgage broker: ncomo, ngubani wanceda, iinkonzo kunye neempawu

Bekuya kubonakala ukuba kuyimfuneko ukufumana imali-mboleko? Fumana inkqubo efanelekileyo ebhankini, kuqokelela amaxwebhu ayimfuneko - nokuba imali sele ipokotho yakho. Kodwa ngokwenyani azikho izinto ezilula kangaka. Ngokuqhelekileyo abantu baye babona ukuba intengiso inkqubo mboleko ethile, bejamelene nesibakala sokuba ngenene iimeko ezahlukeneyo kakhulu, yaye ngamanye amaxesha ukungangqinelani enjalo ibanjiwe kwinqanaba amaxwebhu ukusayina ngokungazi ngazo zonke nezo elo lomxhasi andifuni inkqubo podmahnut. Ukunciphisa umngcipheko iimpazamo inxalenye yomthengi iliso ingqibelelo ibhanki, yaye kukho broker mboleko. Guest ngubani wanceda, nto leyo ebe negalelo kwezi iingcali - yonke le nkcazelo inokufumaneka kamva kolu phononongo. Ngoku zama ukuqonda kakuhle lo msebenzi.

Ngubani na?

Ngokufutshane, kumthengisi sokubambisa - umlamleli phakathi ebhankini kunye client ezinokubakho. Umsebenzi wakhe ifana naleyo yenziwa realtors: Broker ukhangela okuhle inkqubo client ethile, nangona ulwazi malunga zonke iinketho kunokwenzeka, akwazi ukuchaza ukuba iklayenti umahluko phakathi kwabo, ngoko ke umthengisi kunceda ukuba aqokelele onke amaxwebhu ayimfuneko, kwaye kwinqanaba lokugqibela umsebenzi wakhe sele ebona ukuba ibhanki leyo ngokunyaniseka kakhulu ngokunxulumene client.

Kakade ke, konke oku kunokwenziwa ngokuzimeleyo, ungafaki oyingcaphephe yomntu wesithathu. Kodwa becala ezintle ziqokelela ncomo broker yemali. Ukuze uncede ezi iingcali, ukuba sele ukuqonda ukuququzelela njani inxaxheba wesithathu ulwalamano lwabo ebhankini.

Yintoni ukwenza ntoni?

Kubalulekile ukuphawula ukuba abarhwebi mortgage kanye abo ukunceda uhlanganise ingxelo malunga ngokwabo le ilungileyo, ngaloo ndlela kukhuthazwe umsebenzi wabo. I-broker lungaba luncedo kuphela ngethuba kusetshwa lwenkqubo kuFeliks ngetyala, kodwa phambi kwe-mboleko ebikho: ingcaphephe uza kukuxelela ukuba kunokwenzeka ukutshintsha ubungakanani iintlawulo, ishedyuli zabo, kwanokuba ngaba bakhona, xa umgaqo, iinketho eziya kunceda mboleki ukuba ahlawule ityala lakhe ilahleko lilungele mali yayo. Oko kukuthi, ukuba babuyele ngetyala brokers nanini kakhulu kade: Nokuba sele unayo efanelekileyo kwinkqubo mboleko kuwe, kungcono ukuba ngabandwendwisi, baqhagamshelane oyingcaphephe, yonke into nje Ubuthelezi ucinga.

imigibe

Kodwa nawuphi na umsebenzi kukho abantu nabanyelisi naye. Mna ke kungekho ngaphandle, kwaye uvumo "mortgage broker". Guest, owanceda njengoko uncedo - konke oku zengcaciso abunjiiweyo njenge-inshorensi ebelilungiselela ukubuthathela amanyathelo otshutshiso umsebenzi specialist. Umzekelo, umboleki ungenakuxhomekeka ngetyala ngenxa kwinqanaba eliphantsi yengeniso yabo, okanye imbali kakuhle kangaka ngetyala, kwiimeko ezinjalo, lo 'abamnyama' ukuba umthengisi inceda ukufihla zonke bokuqonda engamkelekanga biography loMthengi, ngaloo ndlela ukukulandela iibhanki.

Found imeko eyahlukileyo: i-broker, ukuba isivumelwano kwiziko logcino ethile inika abathengi yayo kanye apho, kwanokuba ezinye iibhanka ezingcono kakhulu ngokoMthetho ngetyala. Kuya kufuneka ucinge kabini phambi kokuba isicelo umthengisi okulungeleyo ukwenza umsebenzi wawo phantse simahla - oku oko kubonisa ukuba ingcali akucacanga kakhulu, njengoko ufuna ukuba kubonakale.

Indlela ukukhetha? Lusekelwe kuphengululo

Ngoko ngaba ukhethe indlela mortgage nomthengisi ekunene? Guest osele wanceda, indawo, izibhengezo - kanye ukuba inkcazelo eninzi kufuneka kuphembelela ukhetho lwakho? Konke oku kungentla! Ngoku abaninzi zisekelwe ingxelo evela kubaxhasi ezidlulileyo, bewagqala phantse inyaniso ekugqibeleni. Ewe, kufuneka ngokuqinisekileyo ufumanise ukuba abanye abantu bacinga ngayo kumthengisi ethile, kodwa sithembele ngokupheleleyo konke okubhaliweyo, ingakumbi kwi-website esemthethweni lenkampani labarhwebi, akukho mfuneko. Ukuba ushiye ingxelo eyakhayo kwaye bona abasebenzi ofisi, ngokubhalisela phantsi amagama ahlukeneyo, ngeempendulo ezifanayo ngokuwanyusa izakucinywa. Ngoko ke, ukukhetha inkampani nokubuyekezwa, abone ukuba ukubhala indlela lokugqibela yayahlukile (ayikwazi kuba bonke abantu basebenzisa nezahlulo efanayo kunye nengeniso), ukongeza, kunye nezimvo lwabathengi yanelisekile, kufuneka abe khona, kunye nabo, emva kokuba umsebenzi ziingcali baba abo okanye neminye imiba.

Njengoko kwakunye ujonge kwi indawo ofisi

Ke ukuba indawo ye-ofisi, kufuneka sinikele ingqalelo kuyo "bahlala." Le nkampani, leyo kudala nokusebenza nabathengi, ngokuqinisekileyo ukuba yasendlini inombolo yefowuni kwi-ofisi uya kufumanisa ukuba kuphilwe - bonke abantu ezifanayo ngokuhamba kwexesha unokukhuthaza amaziko alungiselela emsebenzini phantsi ngokwayo. ingqalelo eyodwa kufuneka ihlawulwe kwi umnquba ulwazi, ekufuneka ibe malunga iziko ulwazi lwelayisenisi, ishedyuli yomsebenzi, sibekho iinombolo zefowuni eziyimfuneko kunye nencwadi izikhalazo kunye neengcebiso.

Niyibazele indlebe nentengiso

Kunye nentengiso kufuneka silumke ngakumbi: iintengiso kungenakwenzeka ukuba ziprintwe kwiprinta emnyama namhlophe kunye njo izithuba lilungu zithembeke ngokwenene labarhwebi siqinile. Xa kungekho tyala akana- kuthenjwa, yaye lo mhlomlo ezithembisa ukunceda intengiselwano ngetyala kwiimeko kuFeliks kuphela 'phakathi evekini' okanye ixesha yokuthengisa ngakumbi imida. Ngokuqhelekileyo broker abanganyanisekanga kanye ukuwexula abantu abafazazana abazono ziziimfumba, ngoko ukuba babaleke kunye imali yabo. Ngoko ke, xa ukhetha kumthengisi, khangela yonke: owayedume unandipha umthengisi sokubambisa (reviews, ngubani wanceda), isiphumo umsebenzi wakhe (nokuba bakankanyiweyo yanelisekile), indawo ye-ofisi kunye neentengiso yayo. Ukongezelela koko, ngokuba isigqibo sokugqibela, ungaqhagamshelana "National Association of credit brokers kunye nabacebisi zemali", amalungu kuphela ezo iinkampani ukuba ube nje kuphela mvume, kodwa kwakhona ukunika iinkonzo ezikumgangatho ophezulu.

Mortgage broker eMoscow

Indlela ukufumana yonke ingcaciso eyimfuneko: apho ukufumana oyingcaphephe enjalo, njengoko kumthengisi sokubambisa elungileyo, ngokwenene, owanceda? EMoscow - isixeko ukuba anganika iimpendulo ezithile kakhulu kuyo yonke le mibuzo. Ngoko ke, labathengisi izindlu ilungileyo eziyinkunzi kuthathelwe ingqalelo "Kreditmart" yaye "Ideal Consulting."

"Kreditmart" ngamasebe ebekwe kuwo umzi, akwenzeli nje ukuba iibhanki, kodwa kwakhona kunye namaziko inshorensi kunye notyalo - okt iingcebiso zeengcali kunokwenzeka kumacala amaninzi. Le nkampani inika iinkqubo abangaphezu kwamakhulu amahlanu ezahlukeneyo ezijolise ekusombululeni iingxaki zemali iinkonzo - iinkqubo mortgage, ityala kunye neminye imisebenzi zebhanki. Noko ke, abanye abathengi bathi ukuba inkampani leyo ngamandla overestimates iindleko ngeenkonzo zazo, kwaye ufuna ukuba intlawulo phantse zonke inyathelo lwemisebenzi yokubolekisa.

Phakathi evunywe yi-National Association of credit brokers kunye nabacebisi zemali, kukho "Ideal Consulting", apho iingcali zisebenza nje kuphela entsimini ingcebiso, kodwa benza ubhaliso ngokusemthethweni lokucwangcisela kunye neenkonzo namasiko, kwakunye uncedo kulawulo ishishini. Ubulungu inkampani AKBR (oko kukuthi ekuthiwa-olufinyeziweyo mngane) esiqinisekisa ubuchule kunye nokuthembeka. Kwaye nsimbi ikuvumela ukuba ube obungephi abathengi.

Iinkonzo broker mboleko eSt Petersburg

"Fosborn Ekhaya" - lo St. Petersburg mboleko broker endala. Guest, owanceda njengoko kwanceda, yintoni na iziphumo zomsebenzi - yonke le mibuzo iyahlutha abathengi ukuhlangabezana amabali abo, nto leyo eqinisekisa kuphela igama elihle yale nkampani. Ububanzi umsebenzi "Fosborn Ekhaya" - a iingcebiso credit amashishini kunye nabantu, iingcebiso mortgage, kunye noncedo kunye nemihlaba (njenge kukhethwe indawo ifanelekileyo, kunye noncedo ezithengisa). Network ezikhoyo emarikeni ngaphezu kweminyaka elishumi, uye amasebe kwizixeko ezininzi kweli lizwe.

Bendlela zongenelelo broker

Ke kaloku, ukuba sele sinengcamango yokuba ngubani na abarhwebi mortgage, nokuba ukubhekisela kubo - oko mbuzo olandelayo. Kuzo zonke iinkonzo minuses umlamleli ingabizwa uthumo (idla malunga-2% yemali intengiselwano, nangona kwezinye iimeko, i-broker angacela ne-20%, kule meko, mhlawumbi, umsebenzi iya kuqhagamshelwa ulwaphulo-mthetho), kunye ngokugqithiseleyo ngakumbi, ngokutsho kwabanye , abacebisi yokuqikelela abazama ukuqokelela ulwazi kangangoko malunga umxhasi wakho.

Ekhusela abarhwebi sinokuthi ukuba kufuneka balumke ngokugqithiseleyo, nokuhlanganisa yonke into encinane na ngandlel ezichaphazela mboleko okanye indlu.

Ngaba sancedakala phofu?

Yaye yintoni na izigxeko na umthengisi ngetyala? Ngaba ngokwenene kuyimfuneko kweentengiselwano? Ezinye iingcali zithi xa ubukho brokers, indima yabo iye itshintshe kakhulu; abantu bokuqala guququ kuye kuba owned ulwazi olwaneleyo self-ulwazi imisebenzi zebhanki. Namhlanje, abathengi badla ufuna ukugcina ixesha lakho - yiloo nto bathe bahlasela ubhaliso lwabo bonke amaphepha eziyimfuneko kwiqela lesithathu.

Kakade ke, nkqu ukuthemba imicimbi bank lwengcali lwabo kweli shishini, kufuneka ukuba ingcamango nakancinane iikhredithi umdla kuni: usebenzisa ngumthengi ningayazi, abanganyanisekanga mortgage broker inganikeza ngokulula i azikhethekanga kakuhle. Plus, ukuba banikele Umcebisi, kuya kuba kungafaneleki ukuba wenze oku, ahlawule usenalo inkonzo. Ewe, ukuba ufuna ukuchitha ubuncinane umgudu, kufuneka mortgage brokers. Ingaba kulungile ukuba uqhagamshelane nabo uncedo - isigqibo.

Yintoni Ucinga ntoni abantu?

mortgage umthengisi abaqokelela izimvo ixakayo malunga nomsebenzi wakhe. Abanye bakholelwa ukuba oku kuphela ukuba ukuphanga imali, bathi, abacebisi kunye musa abangqinelanayo nayo yonke imiqathango emiselweyo isivumelwano kunye kubaboleki, kunye neenkonzo zazo ukuze kuyilahla intywenka yemali, emnike amaziko zemali client ukukhutshwa mboleko ngamaxabiso ezigqithileyo.

Abanye zibonisa ukuba iingcali abanobuchule ukubanceda ukufumana imali-mboleko nisibophelele umlando elungileyo kakhulu ikhredithi, kwaye ngenene wanceda ukufumana ukhetho kakhulu-mboleko. Indlela abantu abaninzi, iimbono ezininzi - wonke umntu uyayazi loo nto. Kodwa sinikele ingqalelo ingxelo kubathengi ongaphambili xa ukhetha i broker, njengoko kuchaziwe apha ngasentla, oko kuyimfuneko.

isiphelo

Ngoku siyazi ukuba ngubani na abarhwebi ngetyala. Uluvo malunga imfuneko kubo owayeze zizinike umntu ungenza ngokwakhe. Kakade ke, phakathi kweengcali kukwakho amaqhetseba, ngubani na isivumelwano kunye neebhanki kunye bakankanyiweyo nje apho, ayengawenzi malunga umdla umboleki, kukho abo ukunceda ukulungisa zonke zezibhaxu ezimnyama kwimbali ngetyala. Oku sekuthethekile, kukho abo abanganyanisekanga nawuphi na umsebenzi. Sekunjalo, abantu abaninzi bavumelane yokuba iingcebiso wabathengi, uncedo lwabo ekulungiseleleni onke amaphepha eziyimfuneko esweni inkqubo mboleko imisebenzi lula kakhulu kunokuba zingambi kunye nezintsonkothileyo zebhanki. Ewe, yonke into kunokwenziwa ngokuzimeleyo, kodwa kungcono ukuba ukushiyela ezinye iingcali zoshishino.