I-inshurensi yobomi be-mortgage yase-UK
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.
Ngaba ufuna ugqirha ukuze ufumane imali mboleko?
Intlawulo ye-inshurensi yobomi ayinakugubungela kuphela ibhalansi eseleyo kwi-mortgage yakho, oku kuthetha ukuba inokuhlawulwa ngokupheleleyo, kodwa iya kuqinisekisa ukuba kukho ukuphazamiseka okuncinci kwiindleko zokuphila zemihla ngemihla zentsapho 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.
i-inshurensi yokubambisa
Ukuthenga ikhaya kukuzibophelela okubalulekileyo ngokwemali. Ngokuxhomekeke kwimali-mboleko oyikhethayo, ungazibophelela ekwenzeni iintlawulo iminyaka engama-30. Kodwa kuya kwenzeka ntoni kwikhaya lakho ukuba unokufa ngequbuliso okanye ube nesiphene kakhulu ukuba ungakwazi ukusebenza?
I-MPI luhlobo lwepolisi ye-inshorensi enceda usapho lwakho ukuba lwenze iintlawulo zenyanga zindlu xa uthe - umnini-polisi kunye nombolekisi wendlu-mboleko - usweleke phambi kokuba imali-mboleko ihlawulwe ngokupheleleyo. Eminye imigaqo-nkqubo yeMPI ikwabonelela ngokhuseleko okwexeshana ukuba uphulukene nomsebenzi okanye ukhubazeke emva kwengozi. Ezinye iinkampani ziyibiza ngokuba yi-inshurensi yokubambisa kuba iipolisi ezininzi zihlawula kuphela xa umnini-polisi esweleka.
Uninzi lwemigaqo-nkqubo ye-MPI isebenza ngendlela efanayo nemigaqo-nkqubo yeinshorensi yobomi. Inyanga nganye, uhlawula intlawulo yenyanga kwi-inshurensi. Le premium igcina i-inshorensi yakho ingoku kwaye iqinisekisa ukhuseleko lwakho. Ukuba uyafa ngexesha lepolisi, umboneleli wepolisi uhlawula inzuzo yokufa ebandakanya inani elithile leentlawulo ze-mortgage. Unyino lwepolisi yakho kunye nenani leentlawulo zenyanga zepolisi yakho eza kuzihlawula ziza ngokwemigaqo yepolisi yakho. Iipolisi ezininzi zithembisa ukugubungela ixesha eliseleyo le-mortgage, kodwa oku kunokwahluka kwi-inshurensi. Njengalo naluphi na olunye uhlobo lwe-inshurensi, unokuthenga malunga nemigaqo-nkqubo kwaye uthelekise ababolekisi ngaphambi kokuthenga isicwangciso.
I-inshurensi yobomi be-mortgage yesizwe
Ukuthenga ikhaya lakho lokuqala yinto enomdla kwaye eyoyikisayo. Kubonakala ngathi kuninzi ukukhumbula (kwaye uhlawule!) Ukuba kulula ukulahleka kwizinto ezifunekayo ngokwenene kwaye yintoni "uchuku oluhle." I-inshorensi yobomi yokubambisa yenye nje ummandla apho abo bangenamava banokuziva benganqabisekanga. Ukukunceda, sihlanganise esi sikhokelo sikhawulezayo sokuqonda iimfuno zakho ze-inshurensi yobomi bokubambisa.
I-inshurensi yobomi yindlela yokukhusela ngokwezemali abo ubathandayo xa unokusweleka. Nangona kunjalo, kukho ukhetho olubanzi lwe-inshurensi yobomi, enye ehlawula iindleko zomngcwabo kwaye ezinye ziyilelwe ukuxhasa usapho lwakho ngokwezimali ukuba kwenzeke okubi kakhulu.
I-inshurensi yobomi be-Mortgage yile: i-inshurensi ehlawula intsalela yemali mboleko xa umntu efile. Nangona i-inshurensi yobomi be-mortgage ingafuneki, inconywa kakhulu kubantu abaninzi. Abanye ababolekisi baya kugxininisa ukuba ube nayo ngaphambi kokuba ungene, ngelixa abanye bengayi.
