I-inshurensi yobomi be-mortgage kubantu abadala
Ukuthenga ikhaya elitsha lixesha elinomdla. Kodwa nangona kumnandi, zininzi izigqibo ezihamba kunye nokuthenga ikhaya elitsha. Esinye sezigqibo esinokuthi siqwalaselwe kukuba kuthathwe i-inshurensi yobomi be-mortgage.
I-inshurensi ye-Mortgage life, eyaziwa ngokuba yi-inshurensi yokhuseleko lwe-mortgage, yipolisi ye-inshurensi yobomi ehlawula ityala lakho le-mortgage ukuba uyafa. Nangona lo mgaqo-nkqubo unokuthintela usapho lwakho ekuphulukaneni nekhaya labo, ayisoloko ilukhetho lwe-inshurensi yobomi.
I-inshurensi yobomi be-mortgage idla ngokuthengiswa ngumbolekisi wakho we-mortgage, inkampani ye-inshurensi ehambelana nombolekisi wakho, okanye enye inkampani ye-inshurensi ekuthumelela emva kokufumana iinkcukacha zakho kwiirekhodi zoluntu. Ukuba uyithenga kumbolekisi we-mortgage yakho, iipremiyamu zinokwakhelwa kwimali mboleko yakho.
Umbolekisi we-mortgage ngumxhamli wepolisi, kungekhona iqabane lakho okanye omnye umntu omkhethayo, oku kuthetha ukuba umbolekisi uya kuhlawula umbolekisi wakho ibhalansi eseleyo ye-mortgage ukuba uyafa. Imali ayiyi kusapho lwakho ngolu hlobo lwe-inshurensi yobomi.
Umda wobudala be-inshurensi ye-mortgage
Ngaba i-inshurensi yobomi bokubambisa inyanzelekile eCanada? NguLaura McKayOkthobha wama-22, 2021-6 imizuzuXa ufaka isicelo semali mboleko, umbolekisi wakho unokubonelela ngento ebizwa ngokuba yi-inshurensi yobomi bokubambisa. Ukuthenga ikhaya sele kubiza ngokwaneleyo, ngoko ke uyafuna ukwazi ukuba i-inshurensi yobomi bokubambisa inyanzelekile eCanada. Ukuba akunyanzelekanga, ngaba kuyimfuneko? Ngethamsanqa, i-inshurensi yobomi be-mortgage ayifunwa eCanada. Oko kwathiwa, kububulumko ukucinga ngento enokwenzeka ukuba awukwazi ukuhlawula imali-mboleko yakho. Ukukhusela usapho lwakho kunye nekhaya lakho elitsha, i-inshurensi yobomi bokubambisa inokuba yinto elungileyo. Funda ukuze ufumanise ukuba i-inshurensi yobomi bokubambisa kunye ne-inshurensi yokubambisa yahluke njani nokuba wena, mfundi othandekayo, unokuyidinga.
Ngaba ndiyayidinga i-inshurensi yokhuseleko lwe-mortgage?
Ukuba uthatha imali yokubambisa, uya kufuna umgaqo-nkqubo wokukhusela imali-mboleko njengomnye wemimiselo yemali mboleko yakho. Esi sabelo sinomphumo wokuba, xa kwenzeka ilahleko, inkampani yomshuwalense wobomi ihlawula imali yomgaqo-nkqubo wokukhusela imali yokuthenga imali ngokuthe ngqo kumbolekisi ukuba ahlawule i-mortgage.
Intlawulo yomgaqo-nkqubo wokukhusela i-mortgage iyancipha ngokuhamba kwexesha ngokusekelwe ekunciphiseni kwebhalansi ye-mortgage. Le migaqo-nkqubo yenzelwe ngokukodwa ukuhlawula imali-mboleko yakho ngenjongo yokwenza ukuba intlawulo yepropati ibe simahla kubahlali abasaphilayo.
I-inshurensi yokukhusela i-Mortgage yipolisi ye-inshurensi yobomi eyenzelwe ukuhlawula ibhalansi efunekayo kwi-mortgage, kwaye inkampani ye-inshurensi iya kuhlawula i-mortgage ukuba umnini-polisi uyafa. Njengazo zonke iipolisi ze-inshorensi, imigaqo nemiqathango iyasebenza, kuquka nemfuneko yokugcina iintlawulo zepolisi zingoku nje.
Sifumana iifowuni yonke imihla kubathengi abathengiswe imigaqo-nkqubo ebiza kakhulu yokukhusela i-mortgage ngokusebenzisa ababolekisi babo abafuna ukonga imali kwaye baqinisekise ukuba baqhubeka benokhuseleko olwaneleyo.
mortgage ubomi inshorensi yokubala
Ulivalile ke ityala lakho. Sivuyisana nawe. Ngoku ungumninimzi. Lolona tyalo-mali lukhulu oza kulwenza ebomini bakho. Kwaye ngexesha kunye nemali oyityalile, ikwalelona nyathelo libalulekileyo onokuthi ulithathe. Ngoko uya kufuna ukuqiniseka ukuba abantu abaxhomekeke kuwe bayakhuselwa xa unokusweleka ngaphambi kokuba uhlawule imali-mboleko yakho. Olunye ukhetho olufumanekayo kuwe yi-inshurensi yobomi be-mortgage. Kodwa ngaba uyayifuna ngokwenene le mveliso? Funda ngakumbi ukuze ufunde ngakumbi malunga ne-inshurensi ye-mortgage kunye nokuba kutheni inokuba yindleko engeyomfuneko.
I-inshurensi yobomi be-Mortgage luhlobo olukhethekileyo lwepolisi ye-inshurensi enikezelwa ziibhanki ezinxulumene nababolekisi kunye neenkampani ze-inshurensi ezizimeleyo. Kodwa ayifani nenye i-inshurensi yobomi. Endaweni yokuhlawula inzuzo yokufa kubaxhamli bakho emva kokuba uswelekile, njengoko i-inshurensi yobomi besintu isenza, i-inshurensi yobomi be-mortgage ihlawula kuphela imali-mboleko xa umboleki esweleka ngelixa imali mboleko isekhona. Oku kuyinzuzo enkulu kwiindlalifa zakho ukuba uyafa kwaye ushiye ibhalansi kwi-mortgage yakho. Kodwa ukuba akukho mboleko, akukho ntlawulo.
