Iinkampani ze-inshurensi ye-mortgage
Ukuthenga ikhaya elitsha lixesha elinomdla. Kodwa nangona kumnandi, zininzi izigqibo ezihamba kunye nokuthenga ikhaya elitsha. Esinye sezigqibo esinokuthi siqwalaselwe kukuba kuthathwe i-inshurensi yobomi be-mortgage.
I-inshurensi ye-Mortgage life, eyaziwa ngokuba yi-inshurensi yokhuseleko lwe-mortgage, yipolisi ye-inshurensi yobomi ehlawula ityala lakho le-mortgage ukuba uyafa. Nangona lo mgaqo-nkqubo unokuthintela usapho lwakho ekuphulukaneni nekhaya labo, ayisoloko ilukhetho lwe-inshurensi yobomi.
I-inshurensi yobomi be-mortgage idla ngokuthengiswa ngumbolekisi wakho we-mortgage, inkampani ye-inshurensi ehambelana nombolekisi wakho, okanye enye inkampani ye-inshurensi ekuthumelela emva kokufumana iinkcukacha zakho kwiirekhodi zoluntu. Ukuba uyithenga kumbolekisi we-mortgage yakho, iipremiyamu zinokwakhelwa kwimali mboleko yakho.
Umbolekisi we-mortgage ngumxhamli wepolisi, kungekhona iqabane lakho okanye omnye umntu omkhethayo, oku kuthetha ukuba umbolekisi uya kuhlawula umbolekisi wakho ibhalansi eseleyo ye-mortgage ukuba uyafa. Imali ayiyi kusapho lwakho ngolu hlobo lwe-inshurensi yobomi.
mortgage ubomi inshorensi yokubala
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.
Ngaba ndiyayidinga i-inshurensi yokhuseleko lwe-mortgage?
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.
Ingaba yimalini i-inshurensi yobomi be-mortgage ngenyanga?
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.
