I-Inshurensi yoBomi be-Mortgage Calculator
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.
I-inshurensi yobomi be-mortgage yase-UK
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 we-mortgage - usweleke phambi kokuba imali-mboleko ihlawulwe ngokupheleleyo. Eminye imigaqo-nkqubo yeMPI ikwabonelela ngokhuseleko okwexeshana ukuba uphulukene nomsebenzi okanye ukhubazekile 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.
Ingaba yimalini i-inshurensi yobomi be-mortgage ngenyanga?
Ixabiso lendlu ephakathi e-UK laliyi-£ 265.668 ngoJuni 2021 * - ngamaxabiso aphakamileyo, abaninimzi abaninzi baya kufuneka bahlawule imali-mboleko, ngoko abantu bayaqondakala ukuba bafuna ukuchitha nayiphi na ingeniso eseleyo ngobulumko . Nangona kunjalo, ukuba unabantwana, iqabane okanye abanye abantu abaxhomekeke kuwe abaxhomekeke kuwe ngemali, ukuthatha i-inshurensi yobomi be-mortgage kunokuthathwa njengeendleko ezinkulu.
Kubalulekile ukuqwalasela i-inshurensi yobomi xa uthenga indlu njengesibini. Ukuba uthenga indlu yakho kunye neqabane lakho, iintlawulo zokubambisa zingabalwa ngokusekelwe kwimivuzo emibini. Ukuba wena okanye iqabane lakho beninokubhubha ngelixa imali-mboleko yendlu yokuthenga indlu ibingekahlawulwa, ngaba omnye wenu angakwazi ukuzigcina eyedwa iintlawulo zezindlu zokuhlala?
I-inshorensi yobomi inokunceda ngokuhlawula isixa semali xa uthe wasweleka ngexesha lepolisi yakho, enokusetyenziswa ukunceda ekuhlawuleni imali yokubambisa eseleyo – oku kudla ngokubizwa ngokuba ‘yi-inshorensi yobomi befa’, okuthetha ukuba banokuqhubeka behlala kwikhaya labo losapho ngaphandle kokukhathazeka malunga ne-mortgage.
i-inshurensi yobomi bokubambisa
Intlawulo ye-inshurensi yobomi ayinakugubungela kuphela ibhalansi eseleyo kwi-mortgage yakho, oku kuthetha ukuba inokuhlawulwa ngokupheleleyo, kodwa iya kuqinisekisa ukuba kukho ukuphazamiseka okuncinci kwiindleko zokuphila zemihla ngemihla zentsapho 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.
