Ingaba yimalini i-inshurensi yobomi be-mortgage ngenyanga?
Ikhaya lakho lilitye lembombo kwikamva lezemali losapho lwakho, kuba yi-asethi enkulu enokuthi ixatyiswe ngexabiso. Kodwa nezona zicwangciso zibekiweyo azikhuselekanga, yiyo loo nto abaninimzi befuna indlela yokukhusela imali-mboleko yabo ukuba ingaweli kwiqabane labo okanye umntu otyikityayo xa bemkile. Kungenxa yoko le nto i-inshurensi yobomi ifuneka ukukhusela i-mortgage.
Nje ukuba ndivale indlu yam, ndandifumana ileta ngeposi yonke imihla indilumkisa ukuba ndifanele ndithenge i-inshorensi yobomi. Njengomntu osebenza kwishishini le-inshorensi yobomi, nam ndandinamaxesha apho ndandizibuza ukuba ndilahla i-imeyile ebalulekileyo. (Kodwa, ukongeza, nayiphi na imvulophu enombhalo obomvu kunye noonobumba abakhulu indenza ndingakhululeki).
I-inshurensi yobomi be-mortgage, ngamanye amaxesha ibizwa ngokuba yi-inshurensi yokukhusela i-mortgage, yahluke kakhulu kwi-inshurensi yobomi bexesha elide, ngoko ke kubalulekile ukuba uqonde ukuba luhlobo luni lwe-inshorensi oyinikwayo kunye nento oyifunayo ngokwenene. Apha siza kukunceda uqonde i-ins and outs ye-inshurensi yokhuseleko lwe-mortgage, indlela esebenza ngayo i-inshurensi ye-mortgage life, yahluke njani kwi-inshurensi yobomi bexesha elide, kwaye okona kubaluleke kakhulu, ungakuthintela njani enye yezona asethi zakho ezibiza kakhulu ukuba zingalahleki. umthwalo wemali.
Ngaba uyayifuna i-inshurensi yobomi ukuze ubolekwe imali eIreland?
Ukuthenga ikhaya lutyalo-mali olukhulu olufuna ukuba abathengi abaninzi bathathe imali-mboleko yokubambisa. Ngelishwa, ukufa komnini kunokunyanzela usapho ukuba luhambe ngenxa yokunqongophala kwemithombo yemali ukuhlangabezana neentlawulo zokubambisa. I-inshurensi yobomi iya kukunceda ukuphephe oku. Kukho iindlela ezimbini onokukhetha kuzo: i-inshurensi yobomi be-mortgage kunye ne-inshurensi yobomi bomntu.
Ikwabizwa ngokuba yi-inshurensi yabatyalwayo, olu khuselo lubonelelwa yibhanki ngemali yokuthenga ikhaya, kwaye unokuyifumana kungekudala. Uviwo lwezonyango aluyomfuneko: phendula nje imibuzo embalwa ukuze ufumane isatifikethi esibonisa ukuba iziko lezemali liza kubuyisela ibhalansi yemali mboleko yakho xa usweleka. Nangona kulula kakhulu ukuyifumana, le inshorensi inikezela ngokuguquguquka okuncinci, kuba ngaphezu kwayo yonke into isabela kwiimfuno zequmrhu, elingumxhamli. Kwiimeko ezininzi, intlawulo ye-inshorensi ihlala ifana, nokuba ibhalansi etyalwa kwi-mortgage iyancipha.
Kodwa ukuba uthatha isigqibo sokutshintsha iziko lakho lezemali ukuze uthathe ithuba lenzala ephantsi, kuya kufuneka uthathe i-inshurensi yobomi entsha yokubambisa. Intlawulo yanyanga le inganyuka ngenxa yokuba umdala okanye ukuba impilo yakho iye ibe nkenenkene.
i-inshurensi yobomi bokubambisa
Kodwa yiloo nto kanye abadla ukuyithetha xa bebuzwa malunga ne-inshurensi yokhuseleko lwe-mortgage, ngokutsho kuka-Anne Marie Thomas we-InsuranceHotline.com, indawo yokuthelekisa i-inshurensi.FUNDA OKUNGAKUMBI: Kutheni abaThengi bamaKhaya kufuneka bahlale Kude Kwesi Sicwangciso-mali sidumileyo se-Inshurensi yokhuseleko lwe-Mortgage asiyiyo i-mortgage i-inshorensi abaninzi baseKhanada baqhelene nayo, leyo kufuneka uyithenge, idla ngokuvela kwi-Canada Mortgage and Housing Corp. (CMHC), xa intlawulo ephantsi ingaphantsi kwama-20% exabiso lekhaya.FUNDA OKUNGAKUMBI: IiNtlawulo zeNtlawulo ye-Inshurensi ye-Mortgage ye-CMHC: Nantsi indlela Iindleko ziye zanyuka kulo lonke elaseKhanada Ukuqala namhlanjeNgokungafaniyo ne-inshurensi ye-mortgage eyaziwa ngcono, ekhusela ababolekisi-mali ukuba abanini-mzi bayasilela, i-inshurensi yokhuseleko lwe-mortgage luhlobo lwe-inshurensi yobomi. Ihlawulela ityala le-mortgage kwimeko yokufa okanye ukukhubazeka. Ibali liyaqhubeka ngezantsi kwentengiso
Iibhanki zizama ukuthengisa abaninimzi olu hlobo lwe-inshurensi xa bethatha imali entsha yokubambisa. Ngokutsho kukaTomas, kukho izinto ezininzi angazithandiyo: 1. Intlawulo ye-inshurensi yokukhusela i-mortgage yehla kunye ne-mortgage. 2. Olu hlobo lomgaqo-nkqubo lubandakanya kuphela ityala elingekahlawulwa, nto leyo ethetha ukuba intlawulo iyancipha njengoko intlawulo-mali yokubambisa ihlawulwe. Iintlawulo zeinshorensi, kwelinye icala, azihlukanga ngexesha le-inshorensi.FUNDA OKUNGAKUMBI: Ngaba amatyala angahlawulwanga ahlala ephela? 2. Unokufumanisa xa ufaka ibango lokuba akunalungelo lokuhlawula Iipolisi ze-inshorensi ye-Mortgage "idla ngokubhalwa ngokubuyisela," utsho uThomas. Oku kuthetha ukuba inkampani yeinshurensi iya kujonga ityala lakho kuphela wakuba ufake ibango. Kwaye kunokwenzeka ukuba ufumanise ukuba kukho into ethile malunga nemeko yakho eyophula isivumelwano se-inshorensi, ishiya usapho lwakho lungenamali kanye xa uyifuna kakhulu. Ngaba awufuni i-inshurensi yokuhamba eCanada? Cinga kwakhona3. I-inshurensi yokhuseleko lwe-mortgage iya kukunyanzela ukuba uhlaziye ipolisi yakho ekupheleni kwexesha lakho lokubambisa, utshilo uThomas. Ibali liyaqhubeka kwintengiso elandelayo
i-inshurensi yokubambisa
I-inshurensi yokubolekwa kwe-Mortgage engagqibekanga I-inshurensi yokubolekwa kwezindlu iyafuneka ukuba ubeke ngaphantsi kwe-20% phantsi kwikhaya lakho. Ikhusela umbolekisi we-mortgage kwimeko yokuba awukwazi ukubuyisela imali-mboleko. Unokubandakanya iindleko ze-inshurensi kwiintlawulo zakho zenyanga ze-mortgage. I-inshurensi ye-Mortgage engagqibekanga yaziwa ngokuba yi-inshurensi yeZindlu zaseCanada kunye ne-Mortgage Corporation (CMHC). Ukuba uyafa 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. Ukongeza kulo mbuzo ungasentla, abaninimzi abatsha bahlala bebuza imibuzo efana nale ilandelayo: Ngaba i-inshurensi yobomi be-mortgage iyafuneka e-Ontario? Ngaba i-inshurensi yokubambisa inyanzelekile eCanada?
