ndalama za inshuwaransi ya moyo
Mtengo wapakati wa nyumba ku UK unali £ 265.668 mu June 2021 * - ndi mitengo yokwera chonchi, eni nyumba ambiri adzayenera kulipira ngongole, kotero kuti anthu amafuna kugwiritsa ntchito ndalama zotsalazo mwanzeru. Komabe, ngati muli ndi ana, mnzanu kapena anthu ena omwe amadalira inu omwe amadalira inu pazachuma, kutenga inshuwaransi ya moyo wanyumba kumatha kuonedwa ngati ndalama zambiri.
Ndikofunika kuganizira inshuwalansi ya moyo pogula nyumba ngati banja. Ngati mukugula nyumba yanu ndi mnzanu, ndalama zobwereketsa zitha kuwerengedwa potengera malipiro awiri. Ngati inuyo kapena mnzanuyo mumwalira pamene ngongole yanyumba idalipo, kodi aliyense wa inu adzatha kulipira yekha ngongole yanu yanyumba?
Inshuwaransi ya moyo ikhoza kuthandizira polipira ndalama ngati mutamwalira panthawi ya ndondomeko yanu, yomwe ingagwiritsidwe ntchito pothandizira kulipira ngongole yonse - izi zimatchedwa 'inshuwaransi ya moyo wandalama', kutanthauza kuti akhoza pitirizani kukhala m’nyumba ya banja lawo osadandaula ndi ngongole yanyumba.
Inshuwaransi ya moyo wapadziko lonse lapansi
Sign InSamantha Haffenden-Angear Independent Protection Expert0127 378 939328/04/2019Ngakhale zimakhala zomveka kulingalira kutenga Life Inshuwalansi kuti mulipirire ngongole yanu yanyumba, nthawi zambiri sizofunika. ngati inu mudzafa. Poganizira za mtengo wa inshuwaransi ya moyo, ngati muli ndi mnzanu kapena banja, nthawi zambiri ndizoyenera kuziganizira, mosasamala kanthu kuti ndizokakamiza kapena ayi. Inshuwaransi yosavuta yobwereketsa ingakupatseni ndalama zambiri zofanana ndi ngongole yanyumba yomwe muli nayo, zomwe zimalola okondedwa anu kulipira ndalama zonse ndikukhalabe kunyumba kwawo. Ngati mukugula nyumba nokha ndipo mulibe banja loti muteteze, ndiye kuti Mortgage Life Inshuwalansi ingakhale yosafunikira. Ngati mukufuna kudziwa za mtengo wa Inshuwaransi ya Moyo, ingolowetsani zambiri m'munsimu kuti mupeze zolemba za Mortgage Life Insurance pa intaneti kuchokera kwa ma inshuwaransi 10 apamwamba kwambiri ku UK. Nazi zifukwa zina zokhalira zomveka kulankhula nafe.
Inshuwaransi ya ngongole yakunyumba ngati wamwalira
Malipiro a inshuwaransi ya moyo sangangolipira ndalama zomwe zatsala pa ngongole yanu, kutanthauza kuti ikhoza kulipidwa mokwanira, komanso idzaonetsetsa kuti pali zosokoneza zochepa pa zomwe banja lanu limagwiritsa ntchito tsiku ndi tsiku.
Zolingazo zidzalipira malipiro anu pa nthawi yomwe mudagwirizana pamene mudagula ndondomekoyi kapena mpaka mutabwerera kuntchito (chilichonse chomwe chimabwera poyamba). Ndalama zomwe zatsala zangongole sizidzalipidwa.
Malinga ndi a Money Advice Service, kulera ana nthawi zonse ku UK kumawononga ndalama zokwana £242 pa sabata, kotero kutayika kwa kholo limodzi kungatanthauze kufunika kosamalira ana owonjezera pamene kholo Lopulumuka limawonjezera maola awo kuti apeze ndalama zomwe zatayika.
Ngati mukufuna kusiira okondedwa anu cholowa kapena mphatso yandalama pa nthawi ya imfa yanu, kuchuluka kwa mphatsoyo kudzakhala kokwanira kuti mupatse okondedwa anu kuchita mopanda dyera kumeneku.
Malipiro ochokera ku inshuwaransi ya moyo yomwe ilipo komanso mabizinesi atha kugwiritsidwanso ntchito ngati chitetezo chandalama kwa okondedwa anu ngati mwapita.
Kodi mukufuna inshuwaransi yamoyo kuti mubwereke ku Ireland?
Gulani inshuwaransi yanthawi yayitali kuti muchepetse ndalama zomwe mwabwereketsa. Kotero ngati mumwalira pa nthawi ya "nthawi" ndondomeko ikugwira ntchito, okondedwa anu amalandira mtengo wa ndondomekoyi. Atha kugwiritsa ntchito ndalama zomwe amapeza kuti alipire ngongole. Zopeza zomwe nthawi zambiri zimakhala zopanda msonkho.
M'malo mwake, ndalama zomwe mumapeza zitha kugwiritsidwa ntchito pazifukwa zilizonse zomwe opindula angasankhe. Ngati ngongole yawo yanyumba ili ndi chiwongola dzanja chochepa, angafune kulipira ngongole yachiwongola dzanja chamtengo wapatali ndikusunga ngongole ya chiwongola dzanja chochepa. Kapena angafune kulipira ndalama zolipirira ndi kusamalira nyumbayo. Chilichonse chimene angasankhe, ndalamazo zidzawathandiza kwambiri.
Koma ndi inshuwaransi ya moyo wandalama, wobwereketsa wanu ndi amene amapindula ndi ndondomekoyi osati opindula omwe mwawasankha. Ngati mumwalira, wobwereketsa wanu adzalandira ndalama zomwe mwabweza. Ngongole yanu idzakhala itatha, koma otsala anu kapena okondedwa anu sadzawona phindu lililonse.
Kuphatikiza apo, inshuwaransi yokhazikika ya moyo imapereka phindu lokhazikika komanso mtengo wokhazikika pa moyo wa ndondomekoyi. Ndi inshuwaransi ya moyo wanyumba, zolipirira zimatha kukhala zofanana, koma mtengo wa ndondomekoyi umachepa pakapita nthawi pamene ndalama zanu zanyumba zimachepa.
