Yintoni 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.
I-inshurensi yekhaya eqhubekayo
Xa kusehla intlekele, kubalulekile ukuba ukhuselwe, ngakumbi xa ibandakanya utyalo-mali olukhulu njengekhaya lakho. Ngaphambi kokuba uvale kwikhaya elitsha, unokufuna ukuthenga i-inshurensi yabaninimzi ukuze uhlawule ipropati yakho ngomonakalo onokwenzeka.
Nangona ngokwethuku uqonda ukuba i-inshurensi yekhaya ibalulekile, unokuba nemibuzo emininzi malunga nokuba yintoni na kwaye uyifumana njani. Eli nqaku lijonga nzulu ukuba yeyiphi i-inshurensi yekhaya kunye nokuba ixabisa malini, ukuze uqonde ngcono uhlobo lokhuseleko olukhoyo kuwe.
I-inshurensi yasekhaya, okanye i-inshurensi yabaninimzi, igubungela ilahleko kunye nomonakalo kwikhaya lakho, kunye nezinto ezingaphakathi kuyo. I-inshurensi idla ngokugubungela iindleko eziyimfuneko zokubuyisela ixabiso lokuqala lekhaya kwimeko yomonakalo.
Le inshurensi ayikhuseli wena kuphela, kodwa kunye nombolekisi wakho. Yiyo loo nto, ukuba ufuna ukufumana imali-mboleko, umbolekisi wakho uya kufuna ubungqina bokuba uyithathile i-inshurensi yekhaya ngaphambi kokuba ufikelele kwiimali zakho, kwaye uqinisekise ukuba uya kukwazi ukuhlawulela naziphi na iindleko zokulungisa emva kwesehlo esinokubakho.
Ubungqina be-inshurensi yekhaya kwi-mortgage
I-inshorensi yekhaya (ekwabizwa ngokuba yi-inshurensi yendlu) asiyonto ilula; yimfuneko. Kwaye kungekhona nje ngokuba ikhusela ikhaya lakho kunye nezinto zakho emonakalweni okanye ekubiweni. Phantse zonke iinkampani zokubambisa zifuna ukuba ababoleki baphathe i-inshorensi yexabiso elipheleleyo okanye elifanelekileyo lepropati (ngokuqhelekileyo ixabiso lokuthenga) kwaye aziyi kubolekisa ngemali okanye zenze imali ngentengiselwano yendawo yokuhlala ngaphandle kobungqina bayo.
Akunyanzelekanga nokuba ube nekhaya lakho ukuze ufune i-inshurensi; abanini-mhlaba abaninzi bafuna ukuba abaqeshi babo babe ne-inshurensi yokurenta. Kodwa nokuba iyafuneka okanye ayifunwa, kububulumko ukuba nolu hlobo lokhuseleko. Siza kucacisa iziseko zeepolisi ze-inshurensi yasekhaya.
Kwimeko yomonakalo obangelwe ngumlilo, inkanyamba, umbane, ukonakaliswa kwempahla okanye ezinye iintlekele ezigqunyiweyo, i-inshurensi yakho iya kukubuyekeza ukuze indlu yakho ilungiswe okanye yakhiwe ngokutsha ngokupheleleyo. Ukutshatyalaliswa okanye ukonakala ngenxa yezikhukula, iinyikima kunye nokugcinwa kwekhaya okulambathayo akudla ngokugqunywa kwaye unokufuna abakhweli abongezelelweyo ukuba ufuna olo hlobo lokhuseleko. Iigaraji ezicandiweyo, iishedi okanye ezinye izakhiwo kwipropati nazo zinokufuna ukhuselo olwahlukileyo ngokulandela izikhokelo ezifanayo nezo zendlu enkulu.
Ngaba ndingayihlawulela ngokwam i-inshurensi yekhaya?
Kuyafuneka ukuba ubonise ubungqina bombolekisi wakho we-inshurensi yabaninimzi phambi kokuba bakunike izitshixo zepropati yakho kunye nemali mboleko yakho yendlu. De ikhaya lihlawulwe, umbolekisi unesibambiso kwipropati, ngoko bafuna ukuqiniseka ukuba ipropati ikhuselekile ngelixa i-mortgage ihlawulwa.
Ukuba uthenga ikhaya lakho elitsha ngemali eziinkozo okanye ngetyala elingakhuselekanga (ikhadi letyala okanye imali-mboleko yobuqu), akuyi kufuneka ubonise ubungqina be-inshurensi yabaninimzi phambi kokuba uvale. I-inshurensi yabanikazi bezindlu ayifuni nakweyiphi na imeko, kodwa kufuneka ucinge ngokuyithenga ukukhusela ixabiso lekhaya lakho.
Ngexesha lenkqubo yokuvunywa kwe-mortgage, ingcali yemboleko yakho iya kukuxelela ukuba ungayithenga nini i-inshurensi yekhaya. Nangona kunjalo, ungaqala ukuthenga ipolisi ngokukhawuleza ukuba usete idilesi yakho entsha. Ukuthenga i-inshurensi yasekhaya kwangaphambili kukunika ixesha elingakumbi lokukhetha ipolisi efanelekileyo kwaye ufumane iindlela zokulondoloza.
Nangona umbolekisi wakho unokucebisa umgaqo-nkqubo, sisenzo esilungileyo ukuthelekisa amaxabiso, ii-inshorensi kunye nophononongo lwabathengi ngaphambi kokuba wenze isigqibo sokugqibela. Ungahlala ugcina imali ngokudibanisa ikhaya lakho kunye ne-inshurensi yemoto kunye ne-inshurensi efanayo okanye utshintshe i-inshurensi yasekhaya. Funda indlela yokufumana eyona inshorensi yasekhaya inexabiso eliphantsi.
