ʻO nā hui ʻinikua ola moraki
ʻO ke kūʻai ʻana i kahi home he mea koʻikoʻi kālā. Ma muli o ka hōʻaiʻē āu e koho ai, hiki iā ʻoe ke hana i ka uku no 30 mau makahiki. Akā, he aha ka hopena i kou home inā make koke ʻoe a i ʻole ke kīnā ʻole i ka hana?
He ʻano kulekele ʻinikua ʻo MPI e kōkua ana i kou ʻohana e uku i ka moraki i kēlā me kēia mahina inā ʻoe - ka mea kuleana a me ka mea ʻaiʻē moraki - e make ma mua o ka uku ʻia ʻana o ka moraki. Hāʻawi pū kekahi mau kulekele MPI i ka uhi no ka manawa palena inā nalo ʻoe i kāu hana a i ʻole ke kīnā ma hope o kahi ulia pōpilikia. Ua kapa ʻia kekahi mau ʻoihana he ʻinikua ola moraki no ka mea ke uku wale nei ka hapa nui o nā kulekele i ka wā i make ai ka mea kuleana.
ʻO ka hapa nui o nā kulekele MPI e hana like me nā kulekele ʻinikua ola kuʻuna. I kēlā me kēia mahina, uku ʻoe i ka mea hoʻolako i ka uku o kēlā me kēia mahina. Mālama kēia premium i kāu uhi i kēia manawa a hōʻoia i kou pale. Inā make ʻoe i ka wā o ke kulekele, uku ka mea hoʻolako i ke kulekele i ka pōmaikaʻi make e uhi ana i kekahi helu o nā uku moraki. ʻO nā palena o kāu kulekele a me ka helu o nā uku o kēlā me kēia mahina e uhi ai kāu kulekele i nā ʻōlelo o kāu kulekele. Nui nā kulekele e hoʻohiki e uhi i ke koena o ka moraki, akā hiki ke hoʻololi ʻia kēia e ka mea hoʻolako. E like me nā ʻano ʻinikua ʻē aʻe, hiki iā ʻoe ke kūʻai a puni no nā kulekele a hoʻohālikelike i nā mea hāʻawi kālā ma mua o ke kūʻai ʻana i kahi hoʻolālā.
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E hoʻopaʻa inoaSamantha Haffenden-AngearIndependent Protection Expert0127 378 939328/04/2019 ʻOiai he mea maʻalahi ke noʻonoʻo e lawe i ka Inikua Ola e uhi i kāu hōʻaiʻē moraki, ʻaʻole pono ia. ina oe e make. Hāʻawi ʻia i ke kumukūʻai o ka ʻinikua ola, inā he hoa a ʻohana paha ʻoe, pono e noʻonoʻo pinepine ʻia, me ka ʻole o ke koi a ʻaʻole paha. ʻO kahi kulekele ʻinikua wā moraki maʻalahi e uku i ka huina kālā e like me ka ʻaiʻē o ka moraki, e ʻae ana i kāu poʻe aloha e uku i ke koena a noho i ko lākou home ʻohana. Inā kūʻai ʻoe i home ma kāu iho a ʻaʻohe ʻohana e hoʻomalu ai, a laila ʻaʻole like paha ka mea nui ʻo Mortgage Life Insurance. Inā makemake ʻoe e kiʻi i kahi manaʻo o ke kumukūʻai o Life Insurance, e hoʻokomo i kāu kikoʻī ma lalo a loaʻa i nā ʻōlelo ʻōlelo ʻo Mortgage Life Insurance ma ka pūnaewele mai nā mea hoʻokele 10 kiʻekiʻe o UK. Eia kekahi mau kumu kūpono ke kamaʻilio pū me mākou.
He waiwai anei ka 'inikua ola moraki?
ʻO ke kumukūʻai hale ma waena o UK he £265.668 i Iune 2021 * - me nā kumukūʻai kiʻekiʻe, nui nā mea hale e uku i kahi moraki, no laila makemake ka poʻe e hoʻolilo i nā koena kālā me ke akamai. Eia nō naʻe, inā he mau keiki kāu, he hoa pili, a i ʻole nā mea hilinaʻi ʻē aʻe e noho pū ana me ʻoe e hilinaʻi kālā nei iā ʻoe, hiki ke noʻonoʻo ʻia ka lawe ʻana i ka ʻinikua ola moraki he lilo nui.
He mea nui e noʻonoʻo i ka ʻinikua ola i ke kūʻai ʻana i hale ma ke ʻano he kāne. Inā kūʻai ʻoe i kou hale me kāu hoa, hiki ke helu ʻia nā uku moraki ma muli o ʻelua mau uku. Inā make ʻoe a i ʻole kāu hoa pili i ka wā e kū nei ka hōʻaiʻē moraki, hiki anei i kekahi o ʻoukou ke mālama i kāu uku moraki maʻamau iā ʻoe iho?
Hiki ke kōkua ka ʻinikua ola ma ka uku ʻana i ke kālā inā make ʻoe i ka wā o kāu kulekele, hiki ke hoʻohana ʻia e kōkua i ka uku ʻana i ke koena o ka moraki - ua kapa ʻia kēia ʻo 'inikua ola moraki', ʻo ia hoʻi, hiki iā lākou ke hoʻomau. e noho ma ko lakou home ohana me ka hopohopo ole no ka moraki.
ʻEhia ka nui o ka ʻinikua ola moraki i kēlā me kēia mahina?
'Inikua pa'amau no ka moraki Pono 'inikua pa'amau no ka moraki ke waiho 'oe ma lalo o 20% ma kou home. Mālama ia i ka mea hāʻawi moraki inā ʻaʻole hiki iā ʻoe ke uku i ka hōʻaiʻē. Hiki iā ʻoe ke hoʻokomo i ke kumukūʻai o ka ʻinikua i kāu uku moraki i kēlā me kēia mahina. ʻIke ʻia ka ʻinikua paʻamau moraki ʻo Canada Housing and Mortgage Corporation (CMHC). Inā make ʻoe me ke koena o kāu hōʻaiʻē moraki, e uku ana kāu hōʻaiʻē moraki i kēlā huina i ka mea hāʻawi moraki. Kōkua ka ʻinikua ola moraki i kou ʻohana e noho ma kou home ma hope o kou hala ʻana. Hele pololei nā pōmaikaʻi kulekele i ka mea nāna e hāʻawi aku, ma mua o kou ʻohana. ʻIke ʻia ʻo Mortgage Life Insurance (MPI). He mea paʻakikī ka mālama ʻana i kāu mau uku mahina inā loaʻa iā ʻoe kahi maʻi kīnā ʻole a ʻeha paha. ʻO kēia kahi e komo ai ka ʻinikua kīnā moraki. Ma waho aʻe o ka nīnau ma luna, nīnau pinepine nā mea hale hou i nā nīnau e like me kēia: Pono anei ka ʻinikua ola moraki ma Ontario? Pono anei ka ʻinikua moraki ma Kanada?
