Iinshorensi yobomi
Ixabiso lendlu ephakathi e-UK laliyi-£ 265.668 ngoJuni 2021 * - ngamaxabiso aphakamileyo, abaninimzi abaninzi baya kufuneka bahlawule imali-mboleko, ngoko abantu bayaqondakala ukuba bafuna ukuchitha nayiphi na ingeniso eseleyo ngobulumko . Nangona kunjalo, ukuba unabantwana, iqabane okanye abanye abantu abaxhomekeke kuwe abaxhomekeke kuwe ngemali, ukuthatha i-inshurensi yobomi be-mortgage kunokuthathwa njengeendleko ezinkulu.
Kubalulekile ukuqwalasela i-inshurensi yobomi xa uthenga indlu njengesibini. Ukuba uthenga indlu yakho kunye neqabane lakho, iintlawulo zokubambisa zingabalwa ngokusekelwe kwimivuzo emibini. Ukuba wena okanye iqabane lakho beninokubhubha ngelixa imali-mboleko yendlu yokuthenga indlu ibingekahlawulwa, ngaba omnye wenu angakwazi ukuzigcina eyedwa iintlawulo zezindlu zokuhlala?
I-inshorensi yobomi inokunceda ngokuhlawula isixa-mali ukuba uyafa ngexesha lepolisi yakho, enokusetyenziswa ukunceda ukuhlawula yonke imali-mboleko yendlu-mboleko - oku ngokuqhelekileyo kubizwa ngokuba 'yi-inshurensi yobomi be-mortgage', oku kuthetha ukuba banokuqhubeka. ukuhlala kwikhaya labo losapho ngaphandle kokukhathazeka malunga ne-mortgage.
I-inshurensi ye-mortgage yelizwe lonke
Sayina USamantha Haffenden-Ingcaphephe yoKhuseleko oluZimeleyo0127 378 939328/04/2019Nangona kuhlala kusengqiqweni ukucinga ngokuthatha i-Inshurensi yoBomi ukuze uhlawule imali-mboleko yakho yokubambisa, akusoloko kufunwa. ukuba uya kufa. Xa kujongwa ixabiso le-inshurensi yobomi, ukuba uneqabane okanye usapho lwakho, kudla ngokufanelekile ukuqwalaselwa, nokuba kunyanzelekile na okanye hayi. Ipolisi ye-inshurensi yexesha elilula lokubambisa iya kuhlawula isixa semali esilingana netyala le- mortgage eseleyo, evumela abantu obathandayo ukuba bahlawule ibhalansi kwaye bahlale kwikhaya labo losapho. Ukuba uthenga ikhaya ngokwakho kwaye awunalo usapho olukhuselayo, i-Inshurensi yoBomi be-Mortgage isenokungabalulekanga kangako. Ukuba ufuna ukufumana umbono weendleko ze-Inshurensi yoBomi, vele ufake iinkcukacha zakho apha ngezantsi kwaye ufumane iikowuti ze-Inshurensi ye-Mortgage Life kwi-intanethi ukusuka kwi-inshurensi ephezulu ye-10 yase-UK. Nazi ezinye izizathu zokuba kusengqiqweni ukuthetha nathi.
I-inshurensi yemali mboleko yendlu xa unokusweleka
Intlawulo ye-inshurensi yobomi ayinakugubungela kuphela ibhalansi eseleyo kwi-mortgage yakho, oku kuthetha ukuba inokuhlawulwa ngokupheleleyo, kodwa iya kuqinisekisa ukuba kukho ukuphazamiseka okuncinci kwiindleko zokuphila zemihla ngemihla zentsapho yakho.
Izicwangciso ziya kuhlawula iintlawulo zakho zexesha ekuvunyelwene ngalo xa uthenge ipolisi okanye ude ubuyele emsebenzini (nokuba yeyiphi na into eza kuqala). Ibhalansi eseleyo yemali-mboleko ayiyi kuhlawulwa.
Ngokutsho kweNkonzo yeeNgcebiso zeMali, ukunyamekelwa kwabantwana ngokusisigxina e-UK ngoku kubiza i-£ 242 ngeveki, ngoko ke ukulahlekelwa ngumzali omnye kunokuthetha imfuneko yokunyamekela umntwana ngelixa umzali osindileyo ekwandisa iiyure zabo ukwenza umvuzo olahlekileyo.
Ukuba unqwenela ukushiyela abantu obathandayo ilifa okanye isipho semali esisixa ngexesha lokusweleka kwakho, isixa sesipho siyakwanela ukunika abo ubathandayo esi senzo sokungazingci.
Iintlawulo ezivela kwiipolisi zeinshorensi esele zikho kunye notyalo-mali nazo zinokusetyenziswa njengokhuseleko lwezemali kwabo ubathandayo xa umkile.
Ngaba uyayifuna i-inshurensi yobomi ukuze ubolekwe imali eIreland?
Thenga ipolisi ye-inshorensi yobomi ubuncinane ubuncinane bemali mboleko yakho. Ngoko ukuba uyafa ngexesha "lexesha" ipolisi iyasebenza, abantu obathandayo bafumana ixabiso lepolisi. Bangasebenzisa imali efunyenweyo ukuhlawula imali-mboleko. Imivuzo ehlala ingahlawuli rhafu.
Ngokwenyani, ingeniso yepolisi yakho ingasetyenziselwa nayiphi na injongo abaxhamli bakho abayikhethayo. Ukuba imali-mboleko yabo inenzala ephantsi, banokufuna ukuhlawula ityala lekhadi lokuthenga ngetyala elinenzala eninzi baze bagcine imali-mboleko enenzala ephantsi. Okanye basenokufuna ukuhlawulela isondlo nokunyamekela indlu. Enoba benza ntoni na, loo mali iya kubanceda.
Kodwa nge-inshurensi yobomi be-mortgage, umbolekisi wakho ngumxhamli wepolisi kunokuba abaxhamli obakhethileyo. Ukuba uyafa, umbolekisi wakho ufumana ibhalansi yemali mboleko yakho. Imali-mboleko yakho iya kuba ihambile, kodwa abasindileyo okanye obathandayo abayi kubona nayiphi na inzuzo.
Ukongeza, i-inshorensi yobomi esemgangathweni ibonelela ngenzuzo ethe tyaba kunye neprimiyamu epheleleyo kubomi bepolisi. Nge-inshurensi yobomi be-mortgage, iipremiyamu zinokuhlala zifana, kodwa ixabiso lepolisi liyehla ngokuhamba kwexesha njengoko ibhalansi yakho yemali-mboleko iyancipha.
