I-inshurensi ye-mortgage yelizwe lonke
Ukuhlawula i-inshurensi yobomi ayikwazi ukugubungela kuphela ibhalansi eseleyo kwi-mortgage yakho, oku kuthetha ukuba inokuhlawulwa ngokupheleleyo, kodwa iya kuqinisekisa ukuba kukho ukuphazamiseka okuncinci kwiindleko zokuphila zemihla ngemihla yentsapho 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.
mortgage ubomi inshorensi yokubala
Ukuba uza kuthabatha imali yokubambisa, uya kufuna umgaqo-nkqubo wokhuseleko lwemali-mboleko njengenye yeemeko zokubambisa kwakho. Esi sabelo sinomphumo wokuba, xa kwenzeka ilahleko, inkampani yomshuwalense wobomi ihlawula imveliso yomgaqo-nkqubo wokukhusela i-mortgage ngqo kumbolekisi ukuba ahlawule i-mortgage.
Intlawulo yomgaqo-nkqubo wokukhusela i-mortgage iyancipha ngokuhamba kwexesha ngokusekelwe ekunciphiseni kwebhalansi ye-mortgage. Le migaqo-nkqubo yenzelwe ngokukodwa ukuhlawula imali-mboleko yakho ngenjongo yokwenza ukuba intlawulo yepropati ibe simahla kubahlali abasaphilayo.
I-inshurensi yokukhusela i-Mortgage yipolisi ye-inshurensi yobomi eyenzelwe ukuhlawula ibhalansi efunekayo kwi-mortgage, kwaye inkampani ye-inshurensi iya kuhlawula i-mortgage ukuba umnini-polisi uyafa. Njengazo zonke iipolisi ze-inshorensi, imigaqo nemiqathango iyasebenza, kuquka nemfuneko yokugcina iintlawulo zepolisi zingoku nje.
Sifumana iifowuni yonke imihla kubathengi abathengiswe imigaqo-nkqubo ebiza kakhulu yokukhusela i-mortgage ngokusebenzisa ababolekisi babo abafuna ukonga imali kwaye baqinisekise ukuba baqhubeka benokhuseleko olwaneleyo.
I-avareji yeendleko ze-inshurensi yobomi be-mortgage
I-inshurensi ye-Mortgage luhlobo lwe-inshurensi yobomi bexesha. Ungahlawula isixa-mali esisixa xa usweleka phambi kokuphela kwepolisi yakho, kwaye abo ubathandayo banokuyisebenzisa ukuhlawula imali mboleko yakho. Kukho iindidi ezininzi ze-inshurensi yexesha elineempawu ezahlukeneyo. Ezinye zikulungele ngcono ukuhlawula imali-mboleko kunabanye. Kodwa akunyanzelekanga ukuba uthenge 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 alufuneki. Ngoko ke, abantu abaneemeko esele zikhona banokukhusela abo babathandayo ukuze bangabi namatyala abo xa besweleka.
i-inshurensi yokubambisa
Ulivalile ke ityala lakho. Sivuyisana nawe. Ngoku ungumninimzi. Olu lolona tyalo-mali lukhulu uya kuze ulwenze. Kwaye ngexesha 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 olufumanekayo 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. Endaweni yokuhlawula inzuzo yokufa kubaxhamli bakho emva kokuba uswelekile, njengoko i-inshurensi yobomi besintu isenza, i-inshurensi yobomi be-mortgage ihlawula kuphela imali-mboleko xa umboleki esweleka ngelixa imali mboleko isekhona. Olu luncedo olukhulu kwiindlalifa zakho ukuba uyafa kwaye ushiye ibhalansi kwi-mortgage yakho. Kodwa ukuba akukho mboleko, akukho ntlawulo.
