Eyona inshurensi yobom yokubambisa
Ixabiso lendlu ephakathi e-UK laliyi-£ 265.668 ngoJuni ka-2021 * - ngamaxabiso aphakamileyo ngolu hlobo, abaninimzi abaninzi kuya kufuneka bahlawule imali-mboleko, ngoko kuyaqondakala ukuba kutheni abantu befuna ukuchitha nayiphi na ingeniso eseleyo ekrelekrele. 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.
mortgage ubomi inshorensi yokubala
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 ndiyayidinga i-inshurensi yokhuseleko lwe-mortgage?
Ulivalile ke ityala lakho. Sivuyisana nawe. Ngoku ungumninimzi. Olu lolona tyalo-mali lukhulu uya kuze ulwenze. Kwaye ixesha kunye nemali oyityalile, ikwalelona nyathelo libalulekileyo onokuthi ulithathe. Ngoko uya kufuna ukuqiniseka ukuba abantu abaxhomekeke kuwe bayakhuselwa xa usweleka ngaphambi kokuba uhlawule imali-mboleko yakho. Olunye ukhetho olukhoyo kuwe yi-inshurensi yobomi be-mortgage. Kodwa ngaba uyayifuna ngokwenene le mveliso? Funda ngakumbi ukuze ufunde ngakumbi malunga ne-inshurensi ye-mortgage kunye nokuba kutheni inokuba yindleko engeyomfuneko.
I-inshurensi yobomi be-Mortgage luhlobo olukhethekileyo lwepolisi ye-inshurensi enikezelwa ziibhanki ezinxulumene nababolekisi kunye neenkampani ze-inshurensi ezizimeleyo. Kodwa ayifani nenye i-inshurensi yobomi. Endaweni yokuhlawula inzuzo yokufa kubaxhamli bakho emva kokuba uswelekile, njengoko i-inshurensi yobomi besintu isenza, i-inshurensi yobomi be-mortgage ihlawula kuphela imali-mboleko xa umboleki esweleka ngelixa imali mboleko isekhona. Oku kuyinzuzo enkulu kwiindlalifa zakho ukuba uyafa kwaye ushiye ibhalansi kwi-mortgage yakho. Kodwa ukuba akukho mboleko, akukho ntlawulo.
I-inshurensi yobomi be-mortgage kubantu abadala
Thenga ipolisi ye-inshorensi yobomi ubuncinane ubuncinane bemali mboleko yakho. Ngoko ukuba uyafa ngexesha "lexesha" ipolisi iyasebenza, abantu obathandayo bafumana ixabiso lepolisi. Bangasebenzisa imali efunyenweyo ukuhlawula imali-mboleko. Imivuzo ehlala ingahlawuli rhafu.
Ngokwenyani, ingeniso yepolisi yakho ingasetyenziselwa nayiphi na injongo abaxhamli bakho abayikhethayo. Ukuba imali-mboleko yabo inenzala ephantsi, banokufuna ukuhlawula ityala lekhadi lokuthenga ngetyala elinenzala eninzi baze bagcine imali-mboleko enenzala ephantsi. Okanye basenokufuna ukuhlawulela isondlo nokunyamekela indlu. Enoba benza ntoni na, loo mali iya kubanceda.
Kodwa nge-inshurensi yobomi be-mortgage, umbolekisi wakho ngumxhamli wepolisi kunokuba abaxhamli obakhethileyo. Ukuba uyafa, umbolekisi wakho ufumana ibhalansi yemali mboleko yakho. Imali-mboleko yakho iya kuba ihambile, kodwa abasindileyo okanye obathandayo abayi kubona nayiphi na inzuzo.
Ukongeza, i-inshorensi yobomi esemgangathweni ibonelela ngenzuzo ethe tyaba kunye neprimiyamu epheleleyo kubomi bepolisi. Nge-inshurensi yobomi be-mortgage, iipremiyamu zinokuhlala zifana, kodwa ixabiso lepolisi liyehla ngokuhamba kwexesha njengoko ibhalansi yakho yemali-mboleko iyancipha.
