UK mortgage life insurance
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.
Zvinodiwa nemutemo here kuti uve neinishuwarenzi yeupenyu uine imba yemba?
Kutenga imba kuzvipira kukuru kwemari. Zvichienderana nechikwereti chaunosarudza, unogona kuzvipira kubhadhara kwemakore makumi matatu. Asi chii chichaitika kumusha wako kana ukafa kamwe kamwe kana kuti ukaremara zvikuru zvokusagona kushanda?
MPI imhando yeinishuwarenzi inobatsira mhuri yako kubhadhara mwedzi nemwedzi kana iwe - muridzi wepolicy uye mukwereti wemba - unofa imba isati yabhadharwa. Mimwe mitemo yeMPI inopawo kuvharwa kwenguva shoma kana ukarasikirwa nebasa rako kana kuremara mushure metsaona. Mamwe makambani anoidaidza kuti mortgage life insurance nekuti akawanda marongero anongobhadhara kana muridzi wepolicy afa.
Mazhinji maMPI marongero anoshanda nenzira imwechete neyechinyakare inishuwarenzi yehupenyu. Mwedzi woga woga, unobhadhara inshurensi mari yemwedzi wega wega. Iyi premium inochengeta yako yekuvhara ikozvino uye inochengetedza kuchengetedzwa kwako. Kana ukafa panguva yepurogiramu, mupi wepurogiramu anobhadhara mari yekufa inovhara imwe nhamba yekubhadhara mari. Izvo zvisingakwanisi purogiramu yako uye nhamba yekubhadhara pamwedzi purogiramu yako ichabhadhara inouya maererano nemitemo yako. Mazhinji marongero anovimbisa kuvhara iyo yasara nguva yemortgage, asi izvi zvinogona kusiyana neinishuwarenzi. Sezvakaita chero imwe mhando yeinishuwarenzi, unogona kutenga uchitenderedza marongero uye kuenzanisa vanokweretesa usati watenga chirongwa.
Avhareji yemutengo wemortgage life insurance
Kubhadhara inishuwarenzi yehupenyu hakungovharidzi mari yasara pachikwereti chako, zvichireva kuti inogona kubhadharwa zvizere, asi zvakare ichaita kuti pave nekukanganisa kudiki kumari yemhuri yako yezuva nezuva.
Zvirongwa zvichabhadhara mari yako yenguva yakabvumirana pawakatenga purogiramu kana kusvika wadzokera kubasa (chero chii chinouya pakutanga). Mari yasara yemortgage haisi kuzobhadharwa.
Sekureva kweMoney Advice Service, kuchengetwa kwevana kwenguva yakazara muUK pari zvino kunodhura £242 pasvondo, saka kurasikirwa kwemubereki mumwe kunogona kureva kudiwa kwekuwedzera kuchengetwa kwevana ukuwo mubereki Anopona achiwedzera maawa avo kuti vatsigire mari yakarasika.
Kana iwe uchishuvira kusiira vadikani vako nhaka kana chipo chemari panguva yekufa kwako, huwandu hwechipo huchakwana kupa vadikani vako chiitiko ichi chekusazvipira.
Kubhadhara kubva kuinishuwarenzi yehupenyu huripo uye kudyara kunogona kushandiswawo sekudzivirira kwemari kune vaunoda kana waenda.
Nyika yese mortgage life insurance
Saka wakavhara chikwereti chako. Makorokoto. Wava muridzi wemba. Iyi ndiyo imwe yekudyara kukuru kwauchazomboita. Uye nekuda kwenguva nemari yawakadyara, iri zvakare rimwe rematanho akakosha auchazotora. Saka iwe uchada 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 bhenefiti yerufu kune vako vanozobatsirwa mushure mekufa kwako, sezvinoita inishuwarenzi 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.
