mortgage ubomi inshorensi yokubala
Kubonakala ngathi kukho iziganeko ezithile kubomi babantu ezibangela ukuba bathathe i-inshorensi yobomi. Ke ukuba uzibuza umbuzo othi "Ngaba ndifuna i-inshurensi yobomi?", kulapho unokufumana khona impendulo yakho.
Kuninzi lwethu, ubomi luludwe lweziganeko ezibalulekileyo ezinokusenza sicinge ngekamva. Ngokungaphephekiyo, xa sicinga ngobomi bethu nangekamva, asinakuyeka ukucinga ngoko kunokwenzeka kubantu esibashiya ngasemva. Abantu abaxhomekeke kuwe okanye isalamane sakho sisenokuba noxanduva lwamatyala okanye iindleko ezingekahlawulwa, ezinjengokunyamekelwa komntwana, ukuboleka indlu, okanye iindleko zomngcwabo, zonyango okanye zentlalontle.
Nokuba ubunyanisekile kwiimali zakho kwaye awunatyala lingekahlawulwa, usenokufuna ukushiya ilifa kubantu obathandayo, uncede uncedise kwiindleko zokuphila kwixesha elizayo kubo nabaphi na abantu abaxhomekeke kuwe, okanye unike isixa esincinci ukunceda ukuhlawula amatyala. iindleko zomngcwabo wakhe.
Enye indlela yokugqiba ukuba ngaba uyayifuna i-inshurensi yobomi okanye awuyidingi i-inshurensi yobomi kukuqwalasela ukuba zeziphi izibophelelo zakho zemali kunye neminikelo, kwaye yintoni impembelelo enokuba nayo kubathandekayo bakho ukuba umkile. Ukuba iindleko zakho azithotywanga yipolisi yokufa emsebenzini, izinto ezithengiswayo, okanye umvuzo, utyalo-mali, ukonga, okanye isicwangciso somhlalaphantsi, unokufuna ukucinga nge-inshurensi yobomi.
Umda wobudala be-inshurensi ye-mortgage
Ulivalile ke ityala lakho. Sivuyisana nawe. Ngoku ungumninimzi. Lolona tyalo-mali lukhulu oza kulwenza ebomini bakho. Kwaye ixesha 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 olukhoyo 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. Oku kuyinzuzo enkulu kwiindlalifa zakho ukuba uyafa kwaye ushiye ibhalansi kwi-mortgage yakho. Kodwa ukuba akukho mboleko, akukho ntlawulo.
i-inshurensi yokukhusela i-mortgage
UJustin Pritchard, uCFP, ungumcebisi wentlawulo kunye neengcali ngezemali. Ibandakanya iibhanki, iimali-mboleko, utyalo-mali, imali yokubambisa kunye nokunye okuninzi kwiBalance. Une-MBA evela kwiYunivesithi yaseColorado kwaye usebenze kwiimanyano zamatyala kunye neefemu ezinkulu zemali, kunye nokubhala malunga nezezimali zomntu ngaphezu kweminyaka engamashumi amabini.
UJulius Mansa ngumcebisi weCFO, unjingalwazi wezemali kunye ne-accounting, umtyali-mali, kunye neSebe le-US likaFulbright Research Fellow kwinkalo yetekhnoloji yezemali. Ufundisa abafundi beshishini kwi-accounting kunye nezihloko zezemali zeshishini. Ngaphandle kweziko lemfundo, uJulius ngumcebisi kwiiCFOs kunye neqabane lezemali kwiinkampani ezifuna inqanaba eliphezulu, iinkonzo zeengcebiso zobuchule ukuze zibancede bakhulise amashishini abo kwaye babe nengeniso engakumbi.
Imali-mboleko yemali-mboleko yenza okungakumbi kunokubonelela ngemali yokuthenga ipropati. Imali-mboleko yendlu yenza ukuba wena kunye nabo ubathandayo nibe nendawo eyeyenu, apho ningenza khona iinkumbulo, niphile kamnandi kwaye nikwazi ukwakha ubutyebi. Imali mboleko yakho yendlu inokuba yeyona mali mboleko inkulu onokuthi uyithathe, kwenzeka ntoni ukuba unokusweleka ngelixa utyala imali? Iintlawulo zisalindile, yiyo loo nto ezinye ii-inshurensi zikhuthaza i-inshurensi yobomi be-mortgage njengesisombululo sokufa ngaphambi kwexesha.
Iinkampani ze-inshurensi ye-mortgage
Ukuba usandula ukuthatha imali yokuthenga ngetyala okanye i-equity line yetyala, usenokuba ufumene izandyondyo ze-inshurensi yokhuseleko lwe-mortgage, edla ngokufihlwa njengonxibelelwano olusemthethweni oluvela kumbolekisi we-mortgage kunye neenkcukacha ezincinci malunga nento abayithengisayo.
I-Inshurensi yoKhuseleko lwe-Mortgage (MPI) luhlobo lwe-inshurensi yobomi eyenzelwe ukuhlawula imali-mboleko kwimeko yokufa kwakho, kwaye ezinye iipolisi zikwahlawula iintlawulo ze-mortgage (ngokuqhelekileyo ixesha eliqingqiweyo) ukuba uyakhubazeka.
I-inshorensi yobomi bexeshana yenzelwe ukuhlawula ibhenefithi kumntu(kubantu) okanye kwimibutho oyityumbileyo ukuba ukufa kuyenzeka ngexesha elithile. Ukhetha inani lenzuzo kunye nexesha lexesha. Ixabiso kunye nemali yenzuzo idla ngokufana kulo lonke ixesha.
Ukuba ungumnikazi wekhaya lakho, iMPI inokuba yinkcitho yemali. Kwaye abaninzi abantu abayidingi i-MPI ukuba bane-inshurensi yobomi eyaneleyo (nokuba izibonelelo zithetha ngenye indlela). Ukuba awunayo i-inshurensi yobomi yaneleyo, cinga ngokuthenga ngaphezulu. I-inshurensi yobomi bexeshana kunokwenzeka ukuba ibe yindlela ebhetyebhetye ngakumbi kwaye efikelelekayo kwabo bafanelekileyo.
