Eyona inshurensi yobom yokubambisa
Igama elithi “i-inshurensi ye-mortgage” lichazwa ngokukhululekileyo kwaye linokusetyenziswa kwinani leemveliso ze-inshorensi, ezinjengokhuseleko lwentlawulo ye-mortgage, ukhuseleko lwe-mortgage jikelele, i-inshorensi yobomi, ukhuseleko lomvuzo, okanye ukhuseleko lokugula. Imigaqo efana ne "inshurensi yobomi be-mortgage" kunye "ne-inshurensi yokukhusela intlawulo ye-mortgage" yeyona ixhaphakileyo, enokwenza izinto zidideke ngakumbi.
I-inshurensi yokukhusela i-mortgage yi-inshurensi esisiseko enceda ukuqinisekisa ukuhlawulwa kweentlawulo ze-mortgage xa kwenzeka into ekuthintela ukuba uhlawule.
Umbolekisi akadli ngokunyanzelisa ukuba ube nepolisi njengomqathango wokukwamkela imali-mboleko. Kunokwenzeka kakhulu ukuba iya kuba luvavanyo lokufikeleleka kombolekisi oluya kuyalela ukuba bayakuvuma na okanye hayi imali yakho yokubambisa.
Nangona kunjalo, ngenxa yokuba i-inshurensi yokuhlawula i-mortgage iyinto yokuzikhethela, ayithethi ukuba ungayihoyi. Endaweni yoko, kuya kufuneka uzibuze ukuba uya kulawula njani ukuba awukwazi ukufikelela kwintlawulo yemali mboleko, okanye ngokwenene, ukuba usapho lwakho luya kulawula njani ukuba unokubhubha.
I-inshurensi ye-mortgage yelizwe lonke
Ukuhlawula i-inshurensi yobomi ayikwazi ukugubungela kuphela ibhalansi eseleyo kwi-mortgage yakho, oku kuthetha ukuba inokuhlawulwa ngokupheleleyo, kodwa iya kuqinisekisa ukuba kukho ukuphazamiseka okuncinci kwiindleko zokuphila zemihla ngemihla yentsapho 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.
Ngaba kuyimfuneko esemthethweni ukuba ne-inshurensi yobomi kunye ne-mortgage?
I-inshurensi yokubolekwa kwe-Mortgage engagqibekanga I-inshurensi yokubolekwa kwezindlu iyafuneka ukuba ubeke ngaphantsi kwe-20% phantsi kwikhaya lakho. Ikhusela umbolekisi we-mortgage ukuba awukwazi ukubuyisela imali-mboleko. Unokubandakanya iindleko ze-inshurensi kwiintlawulo zakho zenyanga ze-mortgage. I-inshurensi ye-Mortgage engagqibekanga ikwabizwa ngokuba yi-inshurensi ye-Canada Housing and Mortgage Corporation (CMHC). Ukuba usweleka unemali eseleyo kwimali-mboleko yakho yokubambisa, imali mboleko yakho iya kuhlawula loo mali kumbolekisi we-mortgage. I-inshurensi yobomi be-mortgage inceda usapho lwakho luhlale ekhayeni lakho emva kokuba uhambile. Izibonelelo zePolisi ziya ngqo kumbolekisi, hayi kusapho lwakho I-Inshurensi ye-Mortgage Life ikwabizwa ngokuba yi-Mortgage Protection Insurance (MPI). Ukugcina iintlawulo zakho zenyanga kunokuba ngumngeni ukuba ufumana ukugula okukhubazayo okanye ukwenzakala. Kulapho i-inshurensi yokukhubazeka kwe-mortgage ingena khona. Igubungela iintlawulo zakho zokubambisa ukuba awukwazi ukusebenza ngenxa yokugula okanye ukwenzakala.Ukongeza kulo mbuzo ungasentla, abaninimzi abatsha basoloko bebuza imibuzo efana nale: Ngaba i-inshurensi yobomi bendlu iyafuneka eOntario? Ngaba i-inshurensi yokubambisa inyanzelekile eCanada?
Ngaba uyayifuna i-inshurensi yobomi ukuze ubolekwe imali eIreland?
Sayina kuSamantha Haffenden-Angear Ingcaphephe yoKhuseleko oluZimeleyo0127 378 939328/04/2019Nangona kuhlala kusengqiqweni ukucinga ngokuthatha i-Inshurensi yoBomi ukuze uhlawule imali-mboleko yakho yokubambisa akusoloko kunyanzeliswa. ityala lokubambisa ukuba uyafa. Xa kujongwa ixabiso le-inshurensi yobomi, ukuba uneqabane okanye usapho lwakho, 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 uzithengela ikhaya 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.
