Iyo yakanakisa mortgage hupenyu inishuwarenzi
Mutengo wepakati peimba muUK waive £265.668 munaChikumi 2021* - nemitengo yakakwira kudai, varidzi vedzimba vazhinji vachafanira kubhadhara remba, saka zvinonzwisisika kuti nei vanhu vachida kushandisa chero mari yasara nehungwaru. Nekudaro, kana uine vana, waunoshanda naye kana vamwe vanotarisira vanogara newe vanovimba newe nemari, kutora inishuwarenzi yehupenyu hwemondi kunogona kunzi imari yakakosha.
Zvakakosha kufunga nezveinishuwarenzi yehupenyu kana uchitenga imba semurume nemukadzi. Kana iwe uri kutenga imba yako nemumwe wako, mari yekubhadhara imba inogona kuverengerwa zvichibva pamihoro miviri. Kana iwe kana mumwe wako muchifa apo chikwereti chemba chichiri kubhadharwa, mumwe wenyu angakwanisa here kuchengetedza mari yembavha yenyu ari ega?
Inishuwarenzi yehupenyu inogona kubatsira nekubhadhara mari kana ukafa panguva yepolicy yako, iyo inogona kushandiswa kubatsira kubhadhara yasara yechikwereti - izvi zvinowanzonzi 'mortgage life insurance', zvinoreva kuti vanogona. kuramba vachigara mumusha wemhuri yavo vasinganetseki nechikwereti chemba.
mortgage life insurance Calculator
Kutenga imba itsva inguva inofadza. Asi sekunakidza kwazvinoita, kune sarudzo dzakawanda dzinoenda pamwe nekutenga imba nyowani. Imwe yesarudzo inogona kutariswa ndeyekutora mari yeinishuwarenzi yehupenyu.
Inishuwarenzi yehupenyu yeMortgage, inozivikanwawo seinishuwarenzi yekuchengetedza imba, inshuwarisi yehupenyu inobhadhara chikwereti chako cheimba kana ukafa. Kunyangwe mutemo uyu uchigona kudzivirira mhuri yako kurasikirwa nemba yavo, haisi nguva dzose yakanakisa inishuwarenzi yehupenyu sarudzo.
Inishuwarenzi yehupenyu yeMortgage inowanzotengeswa nemukweretesi wako weimba, kambani yeinishuwarenzi yakabatana nemukweretesi wako, kana imwe kambani yeinishuwarenzi inokutumira tsamba mushure mekuwana ruzivo rwako kuburikidza nemarekodhi eruzhinji. Kana iwe ukaitenga kubva kune yako yekukweretesa chikwereti, maprimiyamu anogona kuvakwa muchikwereti chako.
Mukweretesi wemukweretesi ndiye mubatsiri wepurogiramu, kwete wawakaroorana naye kana mumwe munhu waunosarudza, zvinoreva kuti inshuwarisi ichabhadhara chikwereti chako chakasara chekubhadhara chikwereti kana ukafa. Mari yacho haiendi kumhuri yako nerudzi urwu rweinishuwarenzi yehupenyu.
Ndinoda inishuwarenzi yekuchengetedza imba here?
Saka wakavhara chikwereti chako. Makorokoto. Wava muridzi wemba. Iyi ndiyo imwe yekudyara kukuru kwauchazomboita. Uye yenguva nemari yawakadyara, zvakare ndeimwe yematanho akakosha auchazotora. Saka iwe uchazoda kuve nechokwadi chekuti vanovimba newe vanovharwa muchiitiko cherufu rwako usati wabhadhara chikwereti chako. Imwe sarudzo inowanikwa kwauri ndeye mortgage life insurance. Asi unonyatsoda chigadzirwa ichi here? Verenga kuti udzidze zvakawanda nezve mortgage life insurance uye nei ichigona kuve mari isingakoshi.
Mortgage life insurance imhando yakakosha yeinishuwarenzi inopihwa nemabhanga ane hukama nevakweretesi uye makambani einishuwarenzi akazvimirira. Asi hazvina kufanana nedzimwe inishuwarenzi yehupenyu. Panzvimbo yekubhadhara mubairo werufu kune vako vanozobatsirwa mushure mekufa kwako, sezvinoitwa neinishuwarenzi yehupenyu hwechinyakare, mortgage life inshuwarisi inobhadhara chete chikwereti kana mukwereti afa chikwereti chichiripo. Ichi chikomborero chikuru kune vagari venhaka yako kana iwe ukafa uye uchisiya chiyero pane chako chemba. Asi kana pasina chikwereti, hapana muripo.
Mortgage life insurance yevakuru
Tenga inshuwarisi yehupenyu yenguva yehuwandu hwemari yako yemba. Saka kana iwe ukafa panguva ye "temu" mutemo uri kushanda, vadikani vako vanogamuchira kukosha kweiyo pholisi. Vanogona kushandisa mari yacho kubhadhara chikwereti. Mihoro inowanzova isina mutero.
Muchokwadi, mari yako yepolicy inogona kushandiswa kune chero chinangwa chinosarudzwa nevanowana. Kana chikwereti chavo chemba chiine mubereko wakaderera, vangada kubhadhara chikwereti chekadhi rechikwereti chine mubereko mukuru uye kuchengeta chimbadzo chine mhindu yakaderera. Kana kuti vangada kubhadhara mari yokuchengeta nokuchengeta imba yacho. Chero zvavanosarudza, mari iyoyo ichavashandira zvakanaka.
Asi neinishuwarenzi yehupenyu hwemongi, mukweretesi wako ndiye anobatsirwa nepolitisi pane vanobatsirwa vaunosarudza. Kana ukafa, mukweretesi wako anogashira chikamu chemari yako. Chikwereti chako chinenge chaenda, asi vanopona kana vadikani vako havazooni chero chawawana.
Uye zvakare, yakajairwa inishuwarenzi yehupenyu inopa flat bhenefiti uye flat premium pamusoro pehupenyu hwepolicy. Neinishuwarenzi yehupenyu hwemondi, maprimiyamu anogona kuramba akafanana, asi kukosha kwepolicy kunoderera nekufamba kwenguva sezvo mari yako yembavha inoderera.
