Ngaba i-inshurensi yobomi iyalinceda i-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.
Kwenzeka ntoni kwi-inshurensi yobomi xa i-mortgage ihlawulwe?
Kunokuba nzima ukwazi ukuba yimalini - kwaye yintoni - i-inshurensi oyifunayo xa uthenga ikhaya. Usenokungazi ukuba loluphi uhlobo lwe-inshurensi oyifunayo okanye umahluko phakathi kwe-inshurensi yokhuseleko lwemali mboleko yendlu, ukhuseleko lomvuzo, kunye ne-inshurensi yobomi.
Uphando lukwaveze ukuba iintsapho ezine-inshurensi yobomi azichaphazeleki kangako ngokwasezimalini emva kokusweleka. Ngaphambi kokusweleka komzali okanye iqabane, i-14% yeentsapho ezingakhuselwanga zazizigqala “zithe tye” ngokwemali. Emva kokufa, impendulo yeqela elifanayo "lokubandezeleka" lenyuka laya kuma-47%. Kwiintsapho ezine-inshurensi, i-44% ilinganise iimali zabo "njengeyaneleyo" kwaye eli nani linyuke laya kutsho kuma-56% emva kokusweleka komzali/iqabane.
I-Australia inelinye lawona manqanaba aphezulu amatyala omntu ehlabathini. Ngokutsho kwe-Reserve Bank yase-Australia, kwikota yesine ye-2018 yetyala lendlu njengesabelo sengeniso yendlu yenyuka yaya phezulu kwi-200%, kunye nenani letyala elivela kwi-mortgage loan. Loo nto iphantse yaphinda kabini isixa semali ebanjwa ngamakhaya ngonyaka xa kuthelekiswa noko kuza nayo. Lo ngumsantsa omkhulu wokuvala ukuba umthamo wengeniso utshintsha ngesiquphe kwaye amakhaya akanayo i-inshurensi yokuhlawula iintlawulo zemboleko-mboleko.
Isicelo se-Mortgage ye-Inshurensi yoBomi
Ngena kuSamantha Haffenden-Ingcaphephe yoKhuseleko oluZimeleyo0127 378 939328/04/2019Nangona kuhlala kusengqiqweni ukucinga ngokuthatha i-Inshurensi yoBomi ukuze uhlawule imali-mboleko yakho yokubambisa, ayisoloko ifunwa. ukuba uya kufa. Ukunikezelwa kweendleko ze-inshorensi yobomi, ukuba uneqabane okanye usapho, 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.
Ngaba i-inshurensi yobomi inyanzelekile kwimali mboleko yendlu?
I-inshurensi ye-Mortgage luhlobo lwe-inshurensi yobomi bexesha. Ungahlawula isixa semali ukuba uyasweleka ngaphambi kokuba ipolisi yakho iphele, kwaye abantu obathandayo banokuyisebenzisa ukuhlawula imali yakho yokubambisa. Kukho iindidi ezininzi ze-inshurensi yexesha elineempawu ezahlukeneyo. Ezinye zikulungele ngcono ukuvala imali-mboleko kunabanye. Kodwa awudingi ukuthenga enye enegama elithi "mortgage." Olunye uhlobo lokhuselo lunokuba lufanelekile.
I-inshurensi yobomi be-mortgage ihlawula ibhalansi eseleyo yemali-mboleko xa kusweleka umnini-polisi. Ukuba unayo, unokujonga kwakhona ipolisi yakho okanye, ukuba ucinga ukuthenga entsha, fumanisa ukuba imali iya kumbolekisi wakho okanye kwintsapho, ukukunceda wenze isigqibo sokuba wenze ntoni ngayo.
I-inshurensi yobomi betyala yahlukile kwezinye iindidi ze-inshorensi yobomi kuba endaweni yokuhlawula abaxhamli bomnini-polisi, ihlawula amatyala abo angekahlawulwa ngokuthe ngqo. Umnini-polisi udla ngokuhlawula intlawulo yanyanga le, mhlawumbi ngaphambili okanye eyakhelwe kwiintlawulo zenyanga. Ngale ndlela, ukuhlawulwa kwayo yonke imali-mboleko kuqinisekiswa kwimeko apho umnini-inshorensi efa ngaphambi kokuba ayihlawule ngokupheleleyo imali mboleko yakhe. I-inshurensi yobomi betyala nayo "iqinisekisiwe" i-inshurensi yobomi, kuba uvavanyo lwezonyango alufunwa. Ngoko ke, abantu abaneemeko esele bekho ngaphambili banokukhusela abo babathandayo ukuze bangabi namatyala abo xa besweleka.
