I-inshurensi yokubolekwa kwe-mortgage kwimeko yokufa
I-inshurensi yokubolekwa kwe-Mortgage engagqibekanga I-inshurensi yokubolekwa kwezindlu iyafuneka ukuba ubeke ngaphantsi kwe-20% phantsi kwikhaya lakho. Ikhusela umbolekisi wemali mboleko ukuba awukwazi ukuyibuyisela 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?
I-inshurensi yobomi be-mortgage yesizwe
Ukuba uthenga indlu okanye iflethi ngesiseko sokuqeshisa, ipropati iya kusafuna i-inshurensi yezakhiwo, kodwa akunokufuneka uzikhuphele ngokwakho. Uxanduva ludla ngokuba kumnini-ndlu, ongumnikazi wekhaya. Kodwa oku akusoloko kunjalo, ngoko ke kubalulekile ukuba ubuze igqwetha lakho elijongene ne-inshurensi yesakhiwo.
Njengoko imini ehambayo isondela, unokufuna ukuqwalasela i-inshurensi yomxholo ukukhusela izinto zakho. Akufanele ujongele phantsi ixabiso lezinto zakho, ukusuka kumabonwakude ukuya kumatshini wokuhlamba.
Ukuba ubunokuzifaka endaweni yazo, uya kufuna i-inshurensi yeziqulatho ezaneleyo ukuze uhlawule ilahleko. Kungangabizi kakhulu ukuthatha isikhongozeli kunye ne-inshurensi yesiqulatho kunye, kodwa ungayenza ngokwahlukeneyo. Sinikezela ngesakhiwo kunye nesiqulatho somxholo.
I-inshurensi yobomi inokukunika uxolo lwengqondo ukwazi ukuba baya kunyanyekelwa xa usweleka. Oku kunokuthetha ukuba usapho lwakho aluyi kuhlawula imali mboleko okanye umngcipheko wokuba uthengise kwaye uhambe.
Ubungakanani bokhuseleko lobomi oya kulufuna luya kuxhomekeka kwisixa semali mboleko yakho kunye nohlobo lwemali mboleko onayo. Usenokucinga nangamanye amatyala osenokuba unawo, kwanemali efunekayo ukuze unyamekele abantu abaxhomekeke kuwe, njengeqabane lakho, abantwana, okanye izalamane ezikhulileyo.
I-inshurensi yobomi be-mortgage yase-UK
Sayina USamantha Haffenden-Ingcaphephe yoKhuseleko oluZimeleyo0127 378 939328/04/2019Nangona kuhlala kusengqiqweni ukucinga ngokuthatha i-Inshurensi yoBomi ukuze uhlawule imali-mboleko yakho yokubambisa, akusoloko kufunwa. ukuba uya kufa. 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 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 ndiyayidinga i-inshurensi yokhuseleko lwe-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.
