Iinkampani ze-inshurensi ye-mortgage
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.
mortgage ubomi inshorensi yokubala
Ngena kuSamantha Haffenden-Ingcaphephe yoKhuseleko oluZimeleyo0127 378 939328/04/2019Nangona kuhlala kusengqiqweni ukucinga ngokuthatha i-Inshurensi yoBomi ukuze uhlawule imali-mboleko yakho yokubambisa, ayisoloko ifunwa. ukuba uya kufa. Ukunikezelwa kweendleko ze-inshorensi yobomi, ukuba uneqabane okanye usapho, 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 uthenga ikhaya ngokwakho 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.
Ngaba i-inshurensi yobomi bokubambisa iyayixabisa?
Ixabiso lendlu ephakathi e-UK laliyi-£ 265.668 ngoJuni 2021 * - ngamaxabiso aphakamileyo, abaninimzi abaninzi baya kufuneka bahlawule imali-mboleko, ngoko abantu bayaqondakala ukuba bafuna ukuchitha nayiphi na ingeniso eseleyo ngobulumko . Nangona kunjalo, ukuba unabantwana, iqabane okanye abanye abantu abaxhomekeke kuwe abaxhomekeke kuwe ngemali, ukuthatha i-inshurensi yobomi be-mortgage kunokuthathwa njengeendleko ezinkulu.
Kubalulekile ukuqwalasela i-inshurensi yobomi xa uthenga indlu njengesibini. Ukuba uthenga indlu yakho kunye neqabane lakho, iintlawulo zokubambisa zingabalwa ngokusekelwe kwimivuzo emibini. Ukuba wena okanye iqabane lakho beninokubhubha ngelixa imali-mboleko yendlu yokuthenga indlu ingekahlawulwa, ngaba omnye wenu angakwazi ukuzigcina eyedwa iintlawulo zezindlu zokuhlala?
I-inshorensi yobomi inokunceda ngokuhlawula isixa-mali ukuba uyafa ngexesha lepolisi yakho, enokusetyenziswa ukunceda ukuhlawula yonke imali-mboleko yendlu-mboleko - oku ngokuqhelekileyo kubizwa ngokuba 'yi-inshurensi yobomi be-mortgage', oku kuthetha ukuba banokuqhubeka. ukuhlala kwikhaya labo losapho ngaphandle kokukhathazeka malunga ne-mortgage.
Ingaba yimalini i-inshurensi yobomi be-mortgage ngenyanga?
I-inshurensi yokubolekwa kwe-Mortgage engagqibekanga I-inshurensi yokubolekwa kwezindlu iyafuneka ukuba ubeke ngaphantsi kwe-20% phantsi kwikhaya lakho. Ikhusela umbolekisi we-mortgage kwimeko yokuba 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. Ukongeza kulo mbuzo ungasentla, abaninimzi abatsha bahlala bebuza imibuzo efana nale ilandelayo: Ngaba i-inshurensi yobomi be-mortgage iyafuneka e-Ontario? Ngaba i-inshurensi yokubambisa inyanzelekile eCanada?
