Ngaba i-inshurensi yobomi bokubambisa iyayixabisa?
Yintoni i-inshurensi ye-mortgage yobomi? Ixabisa malini i-inshurensi yobomi be-mortgage? Ngaba ndiyayidinga i-inshurensi yobomi ukuze ndifumane imali yokubambisa? Ngaba i-inshurensi yobomi be-mortgage ngumbono olungileyo? Ngaba i-inshurensi yobomi bokubambisa yeyona ndlela ilungileyo kum? Ngaba ndingayongeza i-inshorensi yokugula okubalulekileyo kwipolisi ye-inshurensi yokubambisa? Ngaba ndingabeka ipolisi ye-inshurensi ye-mortgage kwi-trust? Kwenzeka ntoni kwi-inshurensi yobomi bam ukuba iimeko zam ziyatshintsha?
Ingcebiso inikezelwa yi-intanethi ye-inshurensi ye-inshurensi ye-intanethi ye-Anorak, enelayisensi kwaye ilawulwa yi-Financial Conduct Authority (843798), kunye neofisi yayo ebhalisiweyo yi-24 Old Queen Street, eLondon, SW1H 9HA. Ingcebiso isimahla kuwe. Bobabini i-Anorak kunye ne-Times Money Mentor baya kufumana ikhomishini kwi-inshurensi ukuba uthenge ipolisi. I-Times Money Mentor isebenza njengommeli ochongiweyo we-Anorak. I-Times Money Mentor kunye ne-Anorak ziinkampani ezizimeleyo kunye nezingahambelaniyo.
Ukuba ukhetha ipolisi eneentlawulo eziqinisekisiweyo, ixabiso lenyanga liya kufana kulo lonke ixesha lepolisi. Ukuba, kwelinye icala, ukhetha iireyithi ezivuselelekayo, i-inshurensi inokukhetha ukonyusa ixabiso kwixesha elizayo.
Iinkampani ze-inshurensi ye-mortgage
Ukuba usandula ukuthatha imali yokuthenga ngetyala okanye i-equity line yetyala, usenokuba ufumene izandyondyo ze-inshurensi yokhuseleko lwe-mortgage, edla ngokufihlwa njengonxibelelwano olusemthethweni oluvela kumbolekisi we-mortgage kunye neenkcukacha ezincinci malunga nento abayithengisayo.
I-Inshurensi yoKhuseleko lwe-Mortgage (MPI) luhlobo lwe-inshurensi yobomi eyenzelwe ukuhlawula imali-mboleko kwimeko yokufa kwakho, kwaye ezinye iipolisi zikwahlawula iintlawulo ze-mortgage (ngokuqhelekileyo ixesha eliqingqiweyo) ukuba uyakhubazeka.
I-inshorensi yobomi bexeshana yenzelwe ukuhlawula ibhenefithi kumntu(kubantu) okanye kwimibutho oyityumbileyo ukuba ukufa kuyenzeka ngexesha elithile. Ukhetha inani lenzuzo kunye nexesha lexesha. Ixabiso kunye nemali yenzuzo idla ngokufana kulo lonke ixesha.
Ukuba ungumnikazi wekhaya lakho, iMPI inokuba yinkcitho yemali. Kwaye abaninzi abantu abayidingi i-MPI ukuba bane-inshurensi yobomi eyaneleyo (nokuba izibonelelo zithetha ngenye indlela). Ukuba awunayo i-inshurensi yobomi yaneleyo, cinga ngokuthenga ngaphezulu. I-inshurensi yobomi bexeshana kunokwenzeka ukuba ibe yindlela ebhetyebhetye ngakumbi kwaye efikelelekayo kwabo bafanelekileyo.
i-inshurensi yobomi bokubambisa
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 ibingekahlawulwa, 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.
I-inshurensi yobomi be-mortgage kubantu abadala
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.
