Inshuwaransi yabwino kwambiri ya mortgage
Mawu akuti "inshuwaransi yanyumba" amatanthauzidwa momasuka ndipo angagwiritsidwe ntchito kuzinthu zingapo za inshuwaransi, monga chitetezo chandalama zanyumba, chitetezo chanyumba, inshuwaransi ya moyo, chitetezo, kapena chitetezo cha matenda. Mawu ngati "inshuwaransi ya moyo wanyumba" ndi "inshuwaransi yoteteza kubweza ngongole" ndiwofala kwambiri, zomwe zingapangitse zinthu kusokoneza.
Inshuwaransi yoteteza kubweza ngongole ndi inshuwaransi yomwe imathandizira kubweza ngongole zanyumba ngati zitachitika zomwe zikulepheretsani kuzilipira.
Wobwereketsa nthawi zambiri samaumirira kuti mukhale ndi ndondomeko yoti akulandireni ngongole. Ndizowonjezereka kuti kudzakhala kuyesa kukwanitsa kwa wobwereketsa komwe kungatsimikizire ngati akuvomereza kapena ayi.
Komabe, chifukwa chakuti inshuwaransi yolipira ngongole nthawi zambiri imakhala yosankha, sizitanthauza kuti muyenera kunyalanyaza. M'malo mwake, muyenera kudzifunsa momwe mungayendetsere ngati simungakwanitse kubweza ngongole yanyumba, kapenanso momwe banja lanu lingayendere ngati mutafa.
Inshuwaransi ya moyo wapadziko lonse lapansi
Kulipira inshuwaransi ya moyo sikungangolipira ndalama zomwe zatsala panyumba yanu, kutanthauza kuti zitha kulipidwa zonse, komanso zidzatsimikizira kuti pamakhala zosokoneza pang'ono pazakudya za tsiku ndi tsiku za banja lanu.
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 ndi lamulo lalamulo kukhala ndi inshuwaransi ya moyo ndi ngongole yanyumba?
Inshuwaransi yokhazikika yobwereketsa nyumba Inshuwaransi yokhazikika ndiyofunikira ngati muyika zosakwana 20% kunyumba kwanu. Zimateteza wobwereketsa nyumba ngati simungathe kubweza ngongoleyo. Mutha kuphatikiza mtengo wa inshuwaransi pakulipira kwanu pamwezi. Inshuwaransi yosakhazikika ya Mortgage imadziwikanso kuti inshuwaransi ya Canada Housing and Mortgage Corporation (CMHC). Ngati mumwalira ndi ngongole pa ngongole yanu yanyumba, ngongole yanu yanyumba idzalipira ndalamazo kwa wobwereketsa ngongole. Inshuwaransi ya moyo wandalama imathandizira banja lanu kukhala mnyumba mwanu mutapita. Phindu la ndondomekoyi limapita mwachindunji kwa wobwereketsa, osati kwa banja lanu.Mortgage Life Insurance imadziwikanso kuti Mortgage Protection Insurance (MPI) Inshuwalansi Yolemala Kunyumba Kuvulala kapena matenda amatha kutigwera nthawi iliyonse. Kusunga malipiro anu pamwezi kungakhale kovuta ngati mukukumana ndi matenda olemala kapena kuvulala. Apa ndipamene inshuwaransi yolemala yanyumba imayamba kugwira ntchito. Imalipira ngongole zanyumba ngati mukulephera kugwira ntchito chifukwa cha matenda kapena kuvulala.Kuphatikiza pa funso lomwe lili pamwambali, eni nyumba atsopano nthawi zambiri amafunsa mafunso monga: Kodi inshuwaransi ya moyo wa nyumba yanyumba ikufunika ku Ontario? Kodi inshuwaransi yobwereketsa nyumba ndiyovomerezeka ku Canada?
Kodi mukufuna inshuwaransi yamoyo kuti mubwereke ku Ireland?
Sign InSamantha Haffenden-Angear Independent Defense Katswiri0127 378 939328/04/2019Ngakhale zimakhala zomveka kulingalira kutenga Life Inshuwalansi kuti mulipirire ngongole yanu yanyumba nthawi zambiri sizokakamizidwa. ngongole yobwereketsa ngati mumwalira. 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.
