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.
Umda wobudala be-inshurensi ye-mortgage
Akukho mntu unokuqiniseka ukuba ikusasa liphethe ntoni, kwaye i-inshurensi yobomi ikwazisa ukuba iintlawulo zakho ze-mortgage ziya kuhlawulwa ukuba awukho. Akukho mntu uthanda ukucinga ngokufa, kodwa kufuneka ucinge ngendlela abantu abaxhomekeke kuwe abaza kuhlangabezana ngayo neentlawulo ukuba unokubhubha,” utshilo uDavid Hollingworth womcebisi ngezemali ebanjiswayo L&C.
Hayi, ababolekisi abayi kunyanzelisa ukuba uthenge i-inshurensi yobomi ukuze ufumane imali-mboleko. Ababolekisi balindele ukukwazi ukubuyisela imali ebolekiweyo ngokuthengiswa kwendlu ukuba kuyimfuneko, ngoko ke i-inshurensi yobomi ayenzelwanga ukubakhusela. Endaweni yoko, imalunga nokukhusela abo basondeleyo kuwe, abaxhomekeke kwinkxaso yakho yezemali. Sekunjalo, abaninzi ababolekisi baya kukukhuthaza ukuba uthenge ukhuseleko lobomi ngexesha elifanayo uthabatha imali yokuboleka imali, kwaye ngokuqhelekileyo kuluvo oluhle lokukhusela abo ubathandayo xa usweleka.
Cinga ngendlela iqabane lakho, iqabane lakho, okanye abantwana abaza kulawula ngayo ukuba awukho. Ukuba unabantwana, kubaluleke kakhulu ukucinga ngendlela abaza kunyanyekelwa ngayo xa kukho into eyenzekayo kuwe, utshilo uJonathan Harris, umlawuli womcebisi ozimeleyo weHarwell Protection Group.
Ngaba ndiyayidinga i-inshurensi yokhuseleko lwe-mortgage?
Ukuba uthenga indlu okanye iflethi ngesiseko sokuqeshisa, ipropati iya kusafuna i-inshurensi yezakhiwo, kodwa akunokufuneka 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 ufuna ukukhuselwa kwi-mortgage kunye ne-inshurensi yobomi?
I-Inshurensi ye-Mortgage Life Insurance (VMLI) inikezela nge-inshurensi yokukhusela i-mortgage kwiintsapho zamagqala akhubazeke kakhulu kwinkonzo edityaniswe neenkonzo ezilungelelanise ikhaya kwiimfuno zabo. Fumana ukuba uyafaneleka kwaye usifaka njani isicelo kwaye ulawule ukhuseleko lwakho.
Ikhaya eligqunywe yi-VMLI kufuneka ibe yindawo yakho yokuhlala ephambili (ikhaya apho uhlala khona amaxesha amaninzi). Ukugcina ukhuseleko lwe-VMLI yakho, kuya kufuneka usixelele ukuba wenza naluphi na olu tshintsho: Thumela isaziso salo naluphi na utshintsho kwi-Ofisi yeNgingqi yeSebe leMicimbi yamagqala kunye neZiko le-Inshurensi PO Box 7208 (VMLI) Philadelphia, PA 19101
