i-inshurensi yobomi bokubambisa
Akukho mntu unokuqiniseka ukuba ikusasa liphethe ntoni, kwaye i-inshurensi yobomi ikwazisa ukuba iintlawulo zakho ze-mortgage ziya kuhlawulwa ukuba awukho. Akukho mntu uthanda ukucinga ngokufa, kodwa kufuneka ucinge ngendlela abantu abaxhomekeke kuwe abaza kuhlangabezana ngayo neentlawulo ukuba unokubhubha,” utshilo uDavid Hollingworth womcebisi ngezemali ebanjiswayo L&C.
Hayi, ababolekisi abayi kunyanzelisa ukuba uthenge i-inshurensi yobomi ukuze ufumane imali-mboleko. Ababolekisi balindele ukukwazi ukubuyisela imali ebolekiweyo ngokuthengiswa kwendlu ukuba kuyimfuneko, ngoko ke i-inshurensi yobomi ayenzelwanga ukubakhusela. Kunoko, imalunga nokukhusela abo basondeleyo kuwe, abaxhomekeke kwinkxaso yakho yezemali. Sekunjalo, abaninzi ababolekisi baya kukukhuthaza ukuba uthenge ukhuseleko lobomi ngexesha elifanayo uthabatha imali yokuboleka imali, kwaye ngokuqhelekileyo kuluvo oluhle lokukhusela abo ubathandayo xa usweleka.
Cinga ngendlela iqabane lakho, iqabane lakho, okanye abantwana abaza kulawula ngayo ukuba awukho. Ukuba unabantwana, kubaluleke kakhulu ukucinga ngendlela abaza kunyanyekelwa ngayo xa kukho into eyenzekayo kuwe, utshilo uJonathan Harris, umlawuli womcebisi ozimeleyo weHarwell Protection Group.
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.
I-inshurensi ye-mortgage yelizwe lonke
Thenga ipolisi ye-inshorensi yobomi ngexabiso elincinci elilingana ne-mortgage 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.
Ngaba ndiyayidinga i-inshurensi yokhuseleko lwe-mortgage?
Ukuthenga ikhaya kukuzibophelela okubalulekileyo ngokwemali. Ngokuxhomekeke kwimali-mboleko oyikhethayo, ungazibophelela ekwenzeni iintlawulo iminyaka engama-30. Kodwa kuya kwenzeka ntoni kwikhaya lakho ukuba unokufa ngequbuliso okanye ube nesiphene kakhulu ukuba ungakwazi ukusebenza?
I-MPI luhlobo lwepolisi ye-inshorensi enceda usapho lwakho ukuba lwenze iintlawulo zenyanga zindlu xa uthe - umnini-polisi kunye nombolekisi wendlu-mboleko - usweleke phambi kokuba imali-mboleko ihlawulwe ngokupheleleyo. Eminye imigaqo-nkqubo yeMPI ikwabonelela ngokhuseleko okwexeshana ukuba uphulukene nomsebenzi okanye ukhubazeke emva kwengozi. Ezinye iinkampani ziyibiza ngokuba yi-inshurensi yokubambisa kuba iipolisi ezininzi zihlawula kuphela xa umnini-polisi esweleka.
Uninzi lwemigaqo-nkqubo ye-MPI isebenza ngendlela efanayo nemigaqo-nkqubo yeinshorensi yobomi. Inyanga nganye, uhlawula intlawulo yenyanga kwi-inshurensi. Le premium igcina i-inshorensi yakho ingoku kwaye iqinisekisa ukhuseleko lwakho. Ukuba uyafa ngexesha lepolisi, umboneleli wepolisi uhlawula inzuzo yokufa ebandakanya inani elithile leentlawulo ze-mortgage. Unyino lwepolisi yakho kunye nenani leentlawulo zenyanga zepolisi yakho eza kuzihlawula ziza ngokwemigaqo yepolisi yakho. Iipolisi ezininzi zithembisa ukugubungela ixesha eliseleyo le-mortgage, kodwa oku kunokwahluka kwi-inshurensi. Njengalo naluphi na olunye uhlobo lwe-inshurensi, unokuthenga malunga nemigaqo-nkqubo kwaye uthelekise ababolekisi ngaphambi kokuthenga isicwangciso.
