Umntu ongafanele athenge i-inshurensi yepropathi.
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.
Ngaba i-inshurensi yasekhaya ngaphandle kwe-mortgage inexabiso eliphantsi?
I-inshorensi yokwakha ihlawulela iindleko zokwakhiwa kwakhona kwekhaya lakho ukuba lonakele okanye lonakele. Ngokuqhelekileyo kunyanzelekile ukuba uceba ukuthenga indlu yakho nge-mortgage kwaye usenokungakwazi ukuyifumana ukuba awuyithathi i-inshurensi yokwakha.
I-inshurensi yokwakha ihlawula iindleko zokulungisa umonakalo kwisakhiwo sekhaya. Iigaraji, iishedi kunye neengcingo nazo zigqunyiwe, njengoko kunjalo ngeendleko zokutshintsha izinto ezifana nemibhobho, iintambo needrayini.
I-inshurensi yokwakha iya kuba yimeko yemali-mboleko kwaye kufuneka ubuncinane yanele ukuhlawula imali-mboleko eseleyo. Umbolekisi kufuneka akunikeze ukhetho lwe-inshurensi okanye akuvumele ukuba uzikhethele ngokwakho. Unokwenqaba ukhetho lwakho lwe-inshurensi, kodwa awukwazi ukubanyanzela ukuba basebenzise ipolisi yakho ye-inshurensi, ngaphandle kokuba iphakheji yakho ye-mortgage ibandakanya i-inshurensi.
Ukuba uthenga indlu, kufuneka uthathe i-inshurensi yezakhiwo ngexesha lokusayina isivumelwano. Ukuba uthengisa ikhaya, unoxanduva lokuyinyamekela de ukuthengiswa kugqitywe, ngoko kufuneka ugcine i-inshurensi ye-inshurensi kude kube ngoko.
Kuthekani ukuba une-mortgage kwaye akukho inshurensi yasekhaya?
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.
Ngaba ufuna i-inshurensi yekhaya ukuba awunayo imali yokuboleka imali?
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando 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.
