Kodi ndikufunika inshuwaransi yachitetezo chanyumba?
Veterans Mortgage Life Insurance (VMLI) imapereka inshuwaransi yachitetezo chanyumba kwa mabanja omwe ali ndi zilema zolumikizidwa ndi ntchito omwe asintha nyumba kuti ikwaniritse zosowa zawo. Dziwani ngati ndinu oyenerera komanso momwe mungagwiritsire ntchito ndikuwongolera zomwe mwapereka.
Nyumba yokhala ndi VMLI iyenera kukhala nyumba yanu yoyamba (nyumba yomwe mumakhala nthawi zambiri). Kuti musunge kufalitsa kwanu kwa VMLI, muyenera kutiuza ngati musintha izi: Tumizani chidziwitso cha zosintha zilizonse ku: Department of Veterans Affairs Regional Office and Insurance Center PO Box 7208 (VMLI) Philadelphia, PA 19101
UK mortgage life insurance
Kodi mortgage life insurance ndi chiyani? Kodi inshuwaransi ya moyo wa mortgage imawononga ndalama zingati? Kodi ndikufunika inshuwaransi ya moyo kuti ndipeze ngongole yanyumba? Kodi inshuwaransi ya moyo wa mortgage ndi lingaliro labwino? Kodi inshuwaransi ya moyo wanyumba yanyumba ndiyo njira yabwino kwambiri kwa ine? Kodi ndingawonjezere chithandizo cha matenda ovuta ku inshuwaransi ya moyo wandalama? Kodi ndingayike inshuwaransi ya moyo wanyumba ku trust? Kodi chimachitika ndi chiyani ku inshuwaransi yanga ya inshuwaransi ngati zinthu zasintha?
Malangizowa amaperekedwa ndi broker wa inshuwaransi ya moyo pa intaneti Anorak, yemwe ali ndi chilolezo ndikuwongoleredwa ndi Financial Conduct Authority (843798), ndipo ofesi yake yolembetsedwa ndi 24 Old Queen Street, London, SW1H 9HA. Malangizo ndi aulere kwa inu. Onse a Anorak ndi Times Money Mentor adzalandira ntchito kuchokera kwa inshuwaransi ngati mutagula ndondomeko. Times Money Mentor imagwira ntchito ngati nthumwi yosankhidwa ya Anorak. Times Money Mentor ndi Anorak ndi makampani odziyimira pawokha komanso osalumikizana nawo.
Ngati musankha ndondomeko yokhala ndi malipiro otsimikizirika, mtengo wa pamwezi udzakhala wofanana nthawi yonse ya ndondomekoyi. Ngati, kumbali ina, mutasankha mitengo yongowonjezedwanso, inshuwaransi ingasankhe kuwonjezera mtengo mtsogolo.
inshuwaransi yachitetezo cha nyumba
Ngati mwatengapo ngongole yanyumba kapena nyumba yobwereketsa, mwina mwalandira ndalama zambiri za inshuwaransi yoteteza nyumba, zomwe nthawi zambiri zimabisala ngati mauthenga ovomerezeka kuchokera kwa wobwereketsa, popanda zambiri za zomwe akugulitsa.
Mortgage Protection Insurance (MPI) ndi mtundu wa inshuwaransi ya moyo yomwe imapangidwa kuti ilipire ngongole yanyumba mukamwalira, ndipo ndondomeko zina zimalipiranso ndalama zogulira nyumba (nthawi zambiri kwa nthawi yochepa) ngati mutakhala wolumala.
Inshuwaransi ya moyo wanthawi yayitali idapangidwa kuti izipereka phindu kwa munthu(a) kapena mabungwe omwe mumawapanga ngati imfa ichitika mkati mwa nthawi yodziwika. Mumasankha kuchuluka kwa phindu ndi nthawi. Mtengo ndi kuchuluka kwa phindu nthawi zambiri zimakhala zofanana nthawi yonseyi.
Ngati muli ndi nyumba yanu, MPI ikhoza kukhala kuwononga ndalama. Ndipo anthu ambiri safuna MPI ngati ali ndi inshuwaransi yokwanira ya moyo (ngakhale zopereka zikunena mosiyana). Ngati mulibe inshuwaransi yokwanira ya moyo, ganizirani kugula zambiri. Inshuwaransi ya moyo wanthawi yayitali ikhoza kukhala njira yosinthika komanso yotsika mtengo kwa iwo omwe ali oyenerera.
mortgage life insurance
Kusankha kugula inshuwaransi ya moyo nthawi zambiri kumakhudzidwa ndi gawo lalikulu la moyo. Mukakwatiwa kapena kukhala kholo, mumapeza munthu wina amene amadalira inuyo. Inshuwaransi ya moyo imayambanso kugwira ntchito mukatenga udindo waukulu wazachuma, monga kugula nyumba.
Inshuwaransi yachitetezo chanyumba ndi njira yodalirika yokhazikitsira bata lazachuma ndikuteteza nyumba ya banja lanu. Inshuwaransi ya moyo imathandiza kuwonetsetsa kuti ngongole yomwe muli nayo panyumba panu ikhoza kulipidwa ngati china chake chikuchitikirani.
Nyumba yanu ndi yoposa denga pamwamba pa mutu wanu. Ndi malo omwe banja lanu lidzakula komanso moyo wanu udzasintha. Ndizomveka kukhala ndi ndondomeko yomwe imatsimikizira kuti banja lanu lidzatha kusunga nyumba yawo zivute zitani. Katswiri wazachuma ku New York Life atha kukuthandizani kusankha inshuwaransi ya moyo yomwe ikugwirizana ndi zosowa zanu.
Kumbukirani kuti muli ndi udindo wachuma kupitirira kubwereketsa kwanu, kotero mungafunike ndondomeko zophatikizana kuti muwononge ndalama zowonjezera. Chisamaliro cha ana, ndalama zopulumutsira pantchito, ndi ndalama zachipatala ziyeneranso kuganiziridwa pogula inshuwalansi ya moyo wanu. Kuphunzira kwanu kuyenera kuganizira kuchuluka kwa zosowa zanu zachuma.
