Umntu ongafanele athathe i-inshurensi yepropathi.
I-inshurensi yekhaya (ekwabizwa ngokuba yi-inshurensi yekhaya) asiyonto yolonwabo; yimfuneko. Kwaye kungekhona nje ngokuba ikhusela ikhaya lakho kunye nezinto zakho emonakalweni okanye ekubiweni. Phantse zonke iinkampani zokubambisa zifuna ukuba ababoleki babe ne-inshurensi ye-inshurensi yexabiso elipheleleyo okanye elifanelekileyo lepropati (ngokuqhelekileyo ixabiso lokuthenga) kwaye abayi kubolekisa ngemali okanye bahlawule intengiselwano yendawo yokuhlala ngaphandle kobungqina.
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 indlu ingathengiswa ngaphandle kwe-inshorensi?
Ukuba wenza intlawulo engaphantsi kwe-20% kwikhaya, kubalulekile ukuqonda ukhetho lwakho lwe-Inshurensi ye-Mortgage yabucala (PMI). Abanye abantu abakwazi ukufikelela kwi-20% yentlawulo ephantsi. Abanye banokukhetha ukwenza intlawulo encinci ukuze babe nemali eninzi yokulungisa, ukulungiswa kwakhona, ifenitshala kunye noxakeka.
I-inshurensi ye-mortgage yangasese (PMI) luhlobo lwe-inshurensi umboleki anokufuneka ukuba ayithenge njengemeko yemali mboleko yesiqhelo. Uninzi lwababolekisi bafuna i-PMI xa umthengi wekhaya esenza intlawulo engaphantsi kwe-20% yexabiso lokuthenga ikhaya.
Xa umntu obolekayo esenza intlawulo engaphantsi kwe-20% yexabiso lepropati, umlinganiselo wemali mboleko-mali-mboleko (LTV) ye-mortgage inkulu kune-80% (iphezulu umlinganiselo we-LTV, iphezulu iprofayili yomngcipheko we-mortgage. .imali yokubambisa kumbolekisi).
Ngokungafaniyo neentlobo ezininzi ze-inshorensi, ipolisi ikhusela utyalo-mali lombolekisi ekhaya, kungekhona umntu othenga i-inshurensi (umboleki). Nangona kunjalo, i-PMI yenza kube lula ukuba abanye abantu babe ngabaninimzi ngokukhawuleza. Kubantu abakhetha ukubeka phakathi kwe-5% kunye ne-19,99% yeendleko zokuhlala, i-PMI ibavumela ukuba bakwazi ukufumana inkxaso-mali.
Kuthekani ukuba une-mortgage kwaye akukho inshurensi yasekhaya?
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 yabaninimzi. 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 bentsebenziswano yakho okanye icondominium iya kufuna ukuba uthenge i-inshurensi yabaninimzi ukunceda ukukhusela ngokwezimali 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.
Kufuneka ube nini i-inshurensi yekhaya?
Xa kufike intlekele, kubalulekile ukuba ukhuselwe, ngakumbi xa kuziwa kutyalo-mali olukhulu olufana nekhaya lakho. Ngaphambi kokuba uvale ikhaya elitsha, kuya kufuneka ukuba uthathe i-inshurensi yasekhaya ukuze uhlawule ipropathi yakho ngomonakalo onokwenzeka.
Nangona ngokwethuku uqonda ukuba i-inshurensi yekhaya ibalulekile, usenemibuzo 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.
