Ingaba yimalini i-inshurensi yobomi be-mortgage ngenyanga?
Ngaba i-inshurensi yobomi bokubambisa inyanzelekile eCanada? NguLaura McKayOktobha 22, 2021-6 imizuzuXa ufaka isicelo semali mboleko, umbolekisi wakho unokukunika into ebizwa ngokuba yi-inshurensi yobomi bokubambisa. Ukuthenga ikhaya sele kubiza ngokwaneleyo, ngoko uyafuna ukwazi ukuba i-inshurensi yobomi bokubambisa inyanzelekile eCanada. Ukuba akunyanzelekanga, ngaba kuyimfuneko? Ngethamsanqa, i-inshurensi yobomi be-mortgage ayifunwa eCanada. Oko kwathiwa, kububulumko ukucinga ngento enokwenzeka ukuba awukwazi ukuhlawula imali-mboleko yakho. Ukukhusela usapho lwakho kunye nekhaya lakho elitsha, i-inshurensi yobomi bokubambisa inokuba yinto elungileyo. Funda ukuze ufumanise ukuba i-inshurensi yobomi bokubambisa kunye ne-inshurensi yokubambisa yahluke njani nokuba wena, mfundi othandekayo, unokuyidinga.
Eyona inshurensi yobom yokubambisa
Ulivalile ke ityala lakho. Sivuyisana nawe. Ngoku unekhaya. Lolona tyalo-mali lukhulu uya kuze ulwenze. Kwaye ngenxa yexesha kunye nemali oyityalile, ikwalelona nyathelo libalulekileyo onokuthi ulithathe. Ngoko uya kufuna ukuqiniseka ukuba abantu abaxhomekeke kuwe bayakhuselwa xa unokusweleka ngaphambi kokuba uhlawule imali-mboleko yakho. Olunye ukhetho olukhoyo kuwe yi-inshurensi yobomi be-mortgage. Kodwa ngaba uyayifuna ngokwenene le mveliso? Funda ngakumbi ukuze ufunde ngakumbi malunga ne-inshurensi ye-mortgage kunye nokuba kutheni inokuba yindleko engeyomfuneko.
I-inshurensi yobomi be-Mortgage luhlobo olukhethekileyo lwepolisi ye-inshurensi enikezelwa ziibhanki ezinxulumene nababolekisi kunye neenkampani ze-inshurensi ezizimeleyo. Kodwa ayifani nenye i-inshurensi yobomi. Esikhundleni sokuhlawula inzuzo yokufa kubaxhamli bakho emva kokuba uswelekile, njengoko i-inshurensi yobomi bendabuko isenza, i-inshurensi yobomi be-mortgage ihlawula imali-mboleko kuphela xa umboleki esweleka ngelixa imali mboleko isekho. Oku kuyinzuzo enkulu kwiindlalifa zakho ukuba uyafa kwaye ushiye ibhalansi kwi-mortgage yakho. Kodwa ukuba akukho mboleko, akukho ntlawulo.
Iinkampani ze-inshurensi ye-mortgage
Igama elithi "i-inshurensi ye-mortgage" lichazwa ngokukhululekileyo kwaye linokusetyenziswa kwinani leemveliso ze-inshorensi, kubandakanywa ukhuseleko lwentlawulo ye-mortgage, ukhuseleko lwe-mortgage jikelele, i-inshurensi yobomi, ukhuseleko lomvuzo, ukhuseleko lokugula okubalulekileyo, kunye nokunye. Imigaqo efana ne "inshurensi yobomi be-mortgage" kunye "ne-inshurensi yokukhusela intlawulo ye-mortgage" yeyona ixhaphakileyo, enokwenza izinto zidideke ngakumbi.
I-inshurensi yokhuseleko lwe-mortgage yi-inshurensi enceda isiqinisekiso sentlawulo yeentlawulo zokubambisa xa kukho into eyenzekayo kuwe ekuthintelayo ekuhlawuleni.
Umbolekisi akadli ngokunyanzelisa ukuba ube nepolisi njengomqathango wokukwamkela imali-mboleko. Kunokwenzeka kakhulu ukuba iya kuba luvavanyo lokufikeleleka kombolekisi oluya kuyalela ukuba bayakuvuma na okanye hayi imali yakho yokubambisa.
Nangona kunjalo, ngenxa yokuba i-inshurensi yokuhlawula i-mortgage iyinto yokuzikhethela, ayithethi ukuba ungayihoyi. Endaweni yoko, kuya kufuneka uzibuze ukuba uya kulawula njani ukuba awukwazi ukufikelela kwintlawulo yemali mboleko, okanye ngokwenene, ukuba usapho lwakho luya kulawula njani ukuba unokubhubha.
I-inshurensi yobomi be-mortgage yase-UK
Ukuba uthenga indlu okanye iflethi ngesiseko sokuqeshisa, ipropati iya kusafuna i-inshurensi yezakhiwo, kodwa akufuneki ukuba uzikhuphele ngokwakho. Uxanduva ludla ngokuba kumnini-ndlu, ongumnikazi wekhaya. Kodwa oku akusoloko kunjalo, ngoko ke kubalulekile ukuba ubuze igqwetha lakho elijongene ne-inshurensi yesakhiwo.
Njengoko imini ehambayo isondela, unokufuna ukuqwalasela i-inshurensi yomxholo ukukhusela izinto zakho. Akufanele ujongele phantsi ixabiso lezinto zakho, ukusuka kumabonwakude ukuya kumatshini wokuhlamba.
Ukuba ubunokuzifaka endaweni yazo, uya kufuna i-inshurensi yeziqulatho ezaneleyo ukuze uhlawule ilahleko. Kungangabizi kakhulu ukuthatha isikhongozeli kunye ne-inshurensi yesiqulatho kunye, kodwa ungayenza ngokwahlukeneyo. Sinikezela ngesakhiwo kunye nesiqulatho somxholo.
I-inshurensi yobomi inokukunika uxolo lwengqondo ukwazi ukuba baya kunyanyekelwa xa usweleka. Oku kunokuthetha ukuba usapho lwakho aluyi kuhlawula imali mboleko okanye umngcipheko wokuba uthengise kwaye uhambe.
Ubungakanani bokhuseleko lobomi oya kulufuna luya kuxhomekeka kwisixa semali mboleko yakho kunye nohlobo lwemali mboleko onayo. Usenokucinga nangamanye amatyala osenokuba unawo, kwanemali efunekayo ukuze unyamekele abantu abaxhomekeke kuwe, njengeqabane lakho, abantwana, okanye izalamane ezikhulileyo.
