UK mortgage life insurance
Gulani inshuwaransi yanthawi yayitali ndi ndalama zochepa zofanana ndi ngongole yanu yanyumba. Kotero ngati mumwalira pa nthawi ya "nthawi" ndondomeko ikugwira ntchito, okondedwa anu amalandira phindu la 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.
Kusiyana pakati pa inshuwaransi ya moyo ndi inshuwaransi ya moyo wanyumba
Inshuwaransi yokhazikika yobwereketsa nyumba Inshuwaransi yokhazikika ndiyofunikira ngati mutalipira zosakwana 20% kunyumba kwanu. Imateteza wobwereketsa nyumba ngati simungathe kubweza ngongoleyo. Mutha kuphatikiza mtengo wa inshuwaransi pakulipira kwanu pamwezi. Inshuwaransi yokhazikika 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. Kuphatikiza pa funso lomwe lili pamwambapa, eni nyumba atsopano nthawi zambiri amafunsa mafunso ngati awa: Kodi inshuwaransi ya moyo wanyumba yanyumba ndiyofunika ku Ontario? Kodi inshuwaransi yobwereketsa nyumba ndiyovomerezeka ku Canada?
National mortgage life insurance
Kugula nyumba yatsopano ndi nthawi yosangalatsa. Koma ngakhale zili zosangalatsa, pali zosankha zambiri zomwe zimayendera limodzi ndi kugula nyumba yatsopano. Chimodzi mwazisankho zomwe zingaganizidwe ndikutenga inshuwaransi ya moyo wanyumba.
Inshuwaransi ya moyo wa Mortgage, yomwe imadziwikanso kuti inshuwaransi yoteteza nyumba, ndi inshuwaransi ya moyo yomwe imalipira ngongole yanu yanyumba mukamwalira. Ngakhale ndondomekoyi ingalepheretse banja lanu kutaya nyumba, si nthawi zonse njira yabwino ya inshuwalansi ya moyo.
Inshuwaransi ya moyo wanyumba nthawi zambiri imagulitsidwa ndi wobwereketsa nyumba, kampani ya inshuwaransi yogwirizana ndi wobwereketsa wanu, kapena kampani ina ya inshuwaransi yomwe imakutumizirani makalata mutapeza zambiri zanu kudzera m'marekodi a anthu. Ngati mugula kuchokera kwa wobwereketsa nyumba yanu, zolipirirazo zitha kumangidwa ku ngongole yanu.
Wobwereketsa ngongole ndi amene amapindula ndi ndondomekoyi, osati mwamuna kapena mkazi wanu kapena munthu wina amene mumamusankha, zomwe zikutanthauza kuti inshuwalansi adzakulipirani ngongole yotsalayo ngati mutafa. Ndalamazo sizipita kwa banja lanu ndi mtundu uwu wa inshuwalansi ya moyo.
Kodi chimachitika ndi chiyani ku inshuwaransi ya moyo ikalipidwa ngongole yanyumba?
Ngati mukugula nyumba kapena nyumba yogona mokhazikika, malowa adzafunikabe inshuwaransi ya nyumba, koma simuyenera kuzichotsa nokha. Nthawi zambiri udindowu umakhala wa mwininyumba, yemwe ndi mwini nyumbayo. Koma sizili choncho nthawi zonse, choncho ndikofunikira kuti mufunse loya wanu yemwe ali ndi udindo wopanga inshuwaransi panyumbayo.
Pamene tsiku losuntha likuyandikira, mungafune kuganizira za inshuwaransi zomwe zili mkati kuti muteteze katundu wanu. Musadere mtengo wa zinthu zanu, kuyambira pawailesi yakanema mpaka pamakina ochapira.
Ngati mutasintha, mudzafunika inshuwaransi yokwanira kuti mulipirire zotayikazo. Zingakhale zotsika mtengo kutenga inshuwaransi ya chidebe ndi zomwe zili mkati, koma mutha kuzipanganso mosiyana. Timapereka zonse zomanga ndi zomwe zili.
Inshuwaransi ya moyo imatha kukupatsani mtendere wamumtima podziwa kuti adzasamalidwa mukamwalira. Zingatanthauze kuti banja lanu siliyenera kulipira ngongole kapena kugulitsa ndikusamuka.
Kuchuluka kwa chiwongolero cha moyo wanu chomwe mudzafunikire kudzadalira kuchuluka kwa ngongole yanu ndi mtundu wa ngongole yomwe muli nayo. Mungaganizirenso za ngongole zina zimene mungakhale nazo, limodzinso ndi ndalama zofunika kusamalira anthu amene akudalirana nawo, monga mwamuna kapena mkazi wanu, ana, kapena achibale okalamba.
