Rhoxisa i-inshurensi yobomi ye-aviva
I-inshurensi yokhuseleko lwe-Mortgage yipolisi ye-inshurensi ehlawulela imali yakho yokubambisa ukuba wena okanye omnye umnini-polisi uyasweleka ngexesha le-mortgage. Ukuba une-mortgage edibeneyo, bobabini abantu bafuna i-inshurensi yokukhusela i-mortgage. Ubude bayo buyafana nelo lemali-mboleko. Ke ngoko, ukuba uthatha imali yokubambisa ngaphezulu kweminyaka engama-20, i-inshurensi yakho yokhuseleko lwemali mboleko kufuneka isebenze iminyaka engama-20.
Ukukhululwa kwenziwa kwimeko-nge-case basis, kwaye nokuba uwela kwelinye lala ma-exemptions angasentla, umbolekisi unokwenza ukuba ube yimeko ye-mortgage yokuba une-inshurensi yokukhusela i-mortgage ngaphambi kokuba uvume i-mortgage yakho. Kubalulekile ukwazi umngcipheko wemali wokungabi nayo inshorensi phambi kokuba usayine i-mortgage. Kwimeko yokufa, akuyi kubakho i-inshurensi yokuhlawula i-mortgage, ngoko umnini-qabane okanye abaxhamli babo baya kufuneka baqhubeke nokuhlawula imali mboleko.
Khumbula ukuba olu hlobo lwe-inshorensi ayihlawuli mali ukuba awukwazi ukusebenza ngenxa yokugxothwa, ukugula okanye ukukhubazeka. Kolu hlobo lwe-inshorensi, kufuneka uqwalasele ezinye iintlobo ze-inshurensi, ezifana nokhuseleko lwetyala, umkhuseli womvuzo, okanye i-inshurensi yokukhusela umvuzo.
Isizathu sokurhoxiswa kwepolisi ye-inshorensi yobomi
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Ngaba ndingayirhoxisa i-inshurensi yobomi nangaliphi na ixesha?
Akudingeki ukuba ube yingcali ye-inshurensi xa uthengela ikhaya lakho lokuqala, kodwa kunokuba ngumngeni xa ufumana amagama athi "i-inshurensi yasekhaya" kunye "ne-inshurensi ye-mortgage" okokuqala. Njengoko ufunda ngeemfuno zakho ze-inshurensi kolu tshintsho lubalulekileyo ebomini bakho, kunokunceda ukwazi ukuba kukho umahluko phakathi kwe-inshurensi yekhaya kunye ne-inshurensi yokubambisa. Ngokuxhomekeke kwizinto ezininzi, akubona bonke abaninimzi abafuna i-inshurensi ye-mortgage, kodwa ukuqinisekisa ukuba ikhaya lakho elitsha likhuselwe ngokufanelekileyo, i-inshurensi yasekhaya ihlala iyimfuneko.
Njengoko uqala ukukhangela ikhaya kwaye uphonononga inkqubo yokufumana i-prequalification ye-inshurensi yezindlu, nantsi ukujonga kudidi ngalunye lwe-inshurensi, kutheni ungayifuna, yintoni enokuncedakala ngayo, kunye nokuba ungayithenga nini.
I-inshurensi ye-Mortgage, ekwabizwa ngokuba yi-inshurensi ye-mortgage yabucala okanye i-PMI, yi-inshurensi abanye ababolekisi abanokuyifuna ukukhusela umdla wabo xa uthe wasilela kwimali-mboleko yakho. I-inshurensi ye-mortgage ayilikhuseli ikhaya okanye ikukhusele njengomthengi. Endaweni yoko, i-PMI ikhusela umbolekisi ukuba awukwazi ukwenza iintlawulo.
mortgage ubomi inshorensi yokubala
Xa uthenga ikhaya, kuqhelekile ukuqwalasela i-inshurensi yobomi be-mortgage. I-inshurensi yethu yobomi ehlayo luhlobo lwe-inshurensi eyilelwe ukunceda ukukhusela i-mortgage yokubuyisela. Inokuhlawula imali eyimali ukuba uyasweleka okanye ufunyaniswe ukuba unesigulo esinganyangekiyo esinokuphila ubomi obungaphantsi kweenyanga ezili-12, ngexesha lepolisi yakho. Ngolu hlobo lwe-inshorensi, isixa se-inshorensi sincitshisiwe malunga ngokubhekiselele ekuhlawulweni kwembuyekezo ye-mortgage.
Nge-inshurensi yethu yobomi ehlayo, isixa-mali sinokuhlawulwa ukuba uyafa okanye ufunyanwe unesigulo esinganyangekiyo esinokuphila ubomi obungaphantsi kweenyanga ezili-12, ngelixa sihlawulwa yipolisi. Abantu obathandayo banokusebenzisa isixa semali ukukunceda ekubhataleni imali-mboleko engekahlawulwa.
Unokukhetha inani le-inshorensi oyifunayo kunye nokuba ihlala ixesha elingakanani. Ukuba usebenzisa i-inshurensi yobomi eyehlayo ukunceda ukukhusela i-mortgage yokubuyisela, kubalulekile ukuqinisekisa ukuba isixa se-inshorensi sihambelana ne-mortgage eseleyo. Unokukhetha ukwenza ikhontrakthi yepolisi ngegama elidibeneyo okanye lomntu.
