Yeyantoni i-inshurensi yokubambisa?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo ezikrelekrele zemali ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala kunye nenjongo, kunye nokukuvumela ukuba uphande kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Ubungqina be-inshurensi yekhaya kwi-mortgage
Abathengi basekhaya abajonge ukuxhasa ngemali ukuthenga kwabo baya kufunda ngokukhawuleza ukuba yintoni na abanikazi bezindlu abasele bezazi: Ibhanki yakho okanye inkampani yokubambisa iya kufuna i-inshurensi yasekhaya. Oku kungenxa yokuba ababolekisi kufuneka bakhusele utyalo-mali lwabo. Kwimeko engathandekiyo ukuba ikhaya lakho litsha okanye lonakaliswe kakhulu yinkanyamba, inkanyamba, okanye enye intlekele, i-inshurensi yabaninikhaya iyabakhusela (kunye nawe) ekulahlekelweni yimali.
Ukuba uhlala kwindawo enokukhukula, ibhanki yakho okanye inkampani eboleka imali iya kufuna ukuba uthenge i-inshurensi yezikhukhula. Amanye amaziko emali asenokufuna ukhuselo lwenyikima ukuba uhlala kwindawo esemngciphekweni wentshukumo yenyikima.
Ukuba uthenga umasibambisane okanye ikhondominium, uthenga inzala yemali kwiziko elikhulu. Ke ngoko, ibhodi yabalawuli bomfelandawonye okanye icondominium iya kufuna ukuba uthenge i-inshurensi yabaninimzi ukuze uncede ngokwezemali ukukhusela yonke into xa kukho intlekele okanye ingozi.
Nje ukuba imali-mboleko yendlu yakho ihlawulwe, akukho mntu uya kukunyanzela ukuba uthathe i-inshurensi yasekhaya. Kodwa ikhaya lakho linokuba yeyona asethi yakho inkulu, kwaye umgaqo-nkqubo womninimzi osemgangathweni awuqinisekisi nje isakhiwo; Ikwabandakanya izinto zakho xa kukho intlekele kwaye inikezela ngokhuseleko lwetyala xa kukho ukwenzakala okanye ukumangalelwa komonakalo wepropathi.
Yintoni intlawulo ye-inshurensi yokubambisa
I-Inshurensi Izinto ezili-9 ekufuneka uziqwalasele xa uthenga i-Inshurensi yeKhaya…uSarah Rigney Nokuba ungumnikazi okanye urentise indlu, ukuba ne-inshurensi yekhaya kuya kukunceda ukuba ube noxolo lwengqondo. Nazi izinto ezilithoba ekufuneka uziqwalasele xa uthengela i-inshurensi yekhaya.Ikhaya lakho kusenokwenzeka ukuba lelona lithengiweyo lukhulu onokuthi ulithenge, ngoko ke kubalulekile ukulikhusela kangangoko unako. Enye indlela yokwenza oku kukuthatha ipolisi ye-inshorensi yekhaya. Ngaphandle kwepolisi ye-inshurensi yekhaya, awukwazi ukukwazi ukulungisa nawuphi na umonakalo owenzekayo.
Kukho iintlobo ezininzi ze-inshurensi yekhaya, ke qiniseka ukuba ukhetha eyona ifanele iimfuno zakho. Kubalulekile ukuqonda umahluko phakathi kohlobo ngalunye kunye nento abayigubungelayo.
Xa kuziwa ekuthengeni i-inshurensi yekhaya, akukho ndlela-nye ilingana nayo yonke indlela. Ngamanye amaxesha ukukhetha ipolisi ye-inshurensi yekhaya esemgangathweni akwanelanga, kwaye unokufuna ukongeza izinto ezimbalwa ezongezelelweyo kwipolisi yakho.
Ngaphantsi kwe-inshorensi yekhaya lakho kunokuvakala njengombono olungileyo ephepheni ukunciphisa iindleko ze-inshurensi, kodwa kunokuba nemiphumo emibi kufuneka wenze ibango. Ukuba awukhutshelwanga kwi-inshurensi kwaye ikhaya lakho lonakaliswe ziimeko ebezingalindelekanga, kuya kufuneka uhlawule ngaphezulu kunoko bekulindelwe.
Ngaba i-inshurensi yekhaya ibandakanyiwe kwi-mortgage?
Ukuba uthenga indlu okanye iflethi ngesiseko sokuqeshisa, ipropati iya kusafuna i-inshurensi yokwakha, kodwa akufuneki ukuba uyikhuphe 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.
