I-inshurensi yobomi be-mortgage yase-UK
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.
Kwenzeka ntoni kwi-inshurensi yobomi xa i-mortgage ihlawulwe?
Sign InSamantha Haffenden-Angear Ingcaphephe yoKhuseleko oluZimeleyo0127 378 939328/04/2019Nangona ihlala isengqiqweni ukucinga ngokuthatha i-Inshorensi yoBomi ukuze uhlawule imali-mboleko yakho yendlu, akusoloko kufunwa. . Ukunikezelwa kweendleko ze-inshurensi yobomi, ukuba uneqabane okanye usapho, kudla ngokufanelekile ukuqwalaselwa, nokuba iyafuneka okanye ayifunwa. Ipolisi ye-inshurensi yexesha elilula le-inshurensi yokuthenga indlu iya kuhlawula isixa semali esilingana netyala lemali mboleko eseleyo, evumela abantu obathandayo ukuba bahlawule ibhalansi kwaye bahlale kwikhaya losapho lwakho. Ukuba uzithengela ikhaya kwaye awunalo usapho olukhuselayo, i-Inshurensi yoBomi be-Mortgage ayinakubalulekanga kangako. Ukuba ufuna ukufumana umbono weendleko ze-Inshurensi yoBomi, faka ngokulula iinkcukacha zakho apha ngezantsi kwaye ufumane iikowuti ze-Inshurensi ye-Mortgage Life kwi-intanethi ukusuka kwi-inshurensi ye-10 ephezulu yase-UK. Nazi izizathu ezimbalwa zokuba kusengqiqweni ukuthetha nathi.
Ngaba ndiyayidinga i-inshurensi yokhuseleko lwe-mortgage?
I-inshorensi yobomi iqinisekisa ukuba, kwimeko yokusweleka okanye ukukhubazeka okusisigxina, amalungu osapho lwakho ngqo okanye abaxhamli bepolisi baya kufumana isixa-mali esimiselweyo. Ukuba unetyala elingekahlawulwa okanye i-mortgage, ipolisi iya kukuhlawula nayo.
I-inshurensi yobomi edityaniswe nokubuyiswa kwe-mortgage ngokuqhelekileyo ikhutshwe ngokukhawuleza ukuba i-mortgage ivunyiwe, kwaye nangona ingeyomfuneko esemthethweni, ngokuqinisekileyo iyacetyiswa kuba ikhusela intsapho kunye nabaxhamli kwiziganeko ezingalindelekanga kwixesha elizayo. Kwimeko yokufa okanye ukukhubazeka okusisigxina, i-inshorensi iya kuhlawula ityala lendlu eseleyo.
Ngaba ufuna ugqirha ukuze ufumane imali mboleko?
Akukho mntu unokuqiniseka ukuba ikusasa liphethe ntoni, kwaye i-inshurensi yobomi ikwazisa ukuba iintlawulo zakho ze-mortgage ziya kuhlawulwa ukuba awukho. Akukho mntu uthanda ukucinga ngokufa, kodwa kufuneka ucinge ngendlela abantu abaxhomekeke kuwe abangenza ngayo intlawulo xa unokusweleka,” utshilo uDavid Hollingworth weL&C Mortgage Advisor.
Hayi, ababolekisi abayi kunyanzelisa ukuba uthenge i-inshurensi yobomi ukuze ufumane imali-mboleko. Ababolekisi balindele ukukwazi ukubuyisela imali ebolekiweyo ngokuthengiswa kwendlu ukuba kuyimfuneko, ngoko ke i-inshurensi yobomi ayenzelwanga ukubakhusela. Kunoko, imalunga nokukhusela abo basondeleyo kuwe, abaxhomekeke kwinkxaso yakho yezemali. Sekunjalo, abaninzi ababolekisi baya kukukhuthaza ukuba uthenge ukhuseleko lobomi ngexesha elifanayo uthabatha imali yokuboleka imali, kwaye ngokuqhelekileyo kuluvo oluhle lokukhusela abo ubathandayo xa usweleka.
Cinga ngendlela iqabane lakho, iqabane lakho, okanye abantwana abaza kulawula ngayo ukuba awukho. Ukuba unabantwana, kubaluleke kakhulu ukucinga ngendlela abaza kunyanyekelwa ngayo xa kukho into eyenzekayo kuwe, utshilo uJonathan Harris, umlawuli womcebisi ozimeleyo weHarwell Protection Group.
