Abathengisi bezindlu ezikufutshane nam
U-Elizabeth Weintraub yingcaphephe eyaziwayo kuzwelonke kwi-real estate, isihloko, kunye ne-escrow. Uyiarhente yezindlu enelayisensi kunye nomthengisi ongaphezu kweminyaka engama-40 yesihloko kunye namava e-escrow. Amava akhe abonakaliswe kwiNew York Times, Washington Post, CBS Evening News, kunye neHGTV's House Hunters.
U-Lea Uradu, u-JD uphumelele kwiYunivesithi yaseMaryland School of Law, uMlungiseleli weRhafu oBhalisiweyo kwiLizwe lase-Maryland, i-State Certified Notary Public, uMlungiseleli weRhafu oQinisekisiweyo we-VITA, uMthathi-nxaxheba kwiNkqubo yeXesha lokuFayila loNyaka le-IRS, umbhali werhafu kunye nomseki. yeeNkonzo zokuSombululwa kweRhafu UMTHETHO. ULea uye wasebenza kunye namakhulu angaphandle kunye nabathengi berhafu yomanyano.
UJulian Binder ngumhloli wenyaniso, umphandi kunye nombhali-mbali. Ungumamkeli weMbasa yeNcwadi yeZifundo zaseMntla Melika (2016, 2017), kwaye unamava ngaphambili njengomncedisi wophando kuqoqosho. Baphinde basebenza njengababhali nabahleli beenkampani ezahlukeneyo, kwaye bapapashe amaphepha ezifundo zenkcubeko kwijenali yezemfundo. Njengomhloli wenyaniso weBalance, uJulian uyakwazi ukusebenzisa amava akhe njengomhleli wophando lwezoqoqosho kunye nomncedisi. Indima yakho njengomhloli wenyaniso kukuphonononga amanqaku ngokuchaneka, ukuhlaziya idatha njengoko kufuneka, kwaye uqinisekise zonke iinyani ngokucaphula imithombo ethembekileyo.
Indlela yokuba yi-mortgage broker
U-Elizabeth Weintraub yingcaphephe eyaziwayo kuzwelonke kwi-real estate, isihloko, kunye ne-escrow. Ungumthengisi wezindlu kunye nomthengisi ongaphezulu kweminyaka engama-40 yesihloko kunye namava e-escrow. Amava akhe abonakaliswe kwiNew York Times, Washington Post, CBS Evening News, kunye neHGTV's House Hunters.
UJeFreda R. Brown ngumcebisi wezezimali, umqeqeshi wemfundo yezemali oqinisekisiweyo, kunye nomphandi oye wanceda amawaka abathengi kumsebenzi wakhe ongaphezu kweminyaka elishumi. Uyi-CEO yeXaris Financial Enterprises kunye nomququzeleli wezifundo kwiYunivesithi yaseCornell.
U-Katie Turner ngumhleli, umhloli weenyani, kunye nomfundi wokuvavanya. U-Katie ufumene amava eMcKinsey eqinisekisa umxholo kwishishini, imali, kunye neendlela zoqoqosho. E-Dotdash, waqala njengomhloli weenyani kwi-Investopedia, ekugqibeleni wajoyina i-Investopedia kunye ne-Balance njengomhloli wenyaniso, eqinisekisa ukuchaneka kolwazi kwimixholo eyahlukeneyo yezemali.
Kukho ingxoxo malunga nokuba uthethe nombolekisi kuqala xa uthatha isigqibo sokuthenga ikhaya okanye kunye ne-arhente yezindlu. Zombini iinketho zineenzuzo kunye neengxaki zazo, kodwa eyona nto iphambili kukuba ngelixa i-mboleko ibalulekile, i-arhente yezindlu nomhlaba ingaphezulu. Imali-mboleko yakho ngenene yinxenye enye yentengiselwano enkulu.
Indlela Abarhwebi be-Mortgage abakuqhatha ngayo
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo ezikrelekrele zemali ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala kunye nenjongo, kunye nokukuvumela ukuba uphande kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Yintoni i-mortgage broker
Ngamanye amazwi, kufuneka sisoloko sisenza oko kukulungeleyo; nangona kunjalo, ukuba umxhasi uya ngqo ebhankini, ibhanki ingenza ngokwalo umdla kwaye kungekhona kuloo mboleki. Njengabarhwebi bokubambisa, senza okona kulungileyo ngokukucebisa ngemboleko-mali yokubambisa, ngelixa umbolekisi ekuthengisela iimveliso zakhe.
Iingcaphephe zeMali-mboleko yeKhaya sele zisebenza njengomthengisi we-mortgage kwi-intanethi iminyaka engaphezu kwe-10 kwaye ngelo xesha sakhe iinkqubo ezikhokelayo kwishishini kunye neqela elikhulu lolawulo eliye lasenza ukuba siqhubeke sibonelela ngenkqubo yemali mboleko yendlu engenamthungo.
I-NPS okanye i-Net Promoter Score yimetric yokunyaniseka komthengi eyilelwe ukulinganisa ukuvuma komthengi ukucebisa inkonzo kubahlobo babo, usapho kunye nabalingane. Amanqaku aphakathi kwe-100 kunye ne-100.
Ngokwengxelo yenyanga ye-APRA epapashwe ngoJuni ka-2020, i-Westpac's Net Promoter Score (NPS) yawela nzulu kwindawo embi, ukusuka -33,3 ukuya -63,1. Ngokufanayo, i-NAB inqaku lokukhuthaza i-net yawela kwi--48,1.
Xa uthelekisa oku namanqaku ethu e-NPS angama-84,58 kunyaka opheleleyo wekhalenda ka-2019, unokuyibona impembelelo entle esibenayo kubathengi bethu ngokuvuma kwabo ukucebisa iinkonzo zethu kwabanye.
