Gcina Imali Ngezo Iingcebiso
Ukufumana iindlela zokugcina imali xa uthengela ikhaya lakho lokuqala liba yinto ephambili kubanini bezindlu bokuqala.
Ingaba uthengisa i-condo , ikhaya elisekhaya , okanye indlu, uya kufuna ukufumana i-inshurensi eya kukukhusela ngokwaneleyo utyalo-mali kunye neempahla zakho xa ugcina imali.
Ingakanani Inkokheli Yomshuwalense Wokuqala?
Ngokutsho kwexabiso le-Penguin yase-inshurensi yasekhaya ekhaya lilinganiselwa kuma-dollar ayi-952 ngonyaka, kunye namanye amazwe athe xaxa afikelela kwi-$ 2,000. Gcina ukhumbule ukuba ezi xabiso zibonakalisa izinga eliqhelekileyo le-inshurensi yasekhaya, ngokuqhelekileyo iza kubandakanya izaphulelo kubemi jikelele njengoko izaphulelo zeemali, izaphulelo zentlawulo-free, kunye nakwezinye iimeko, ukunyaniseka kwezaphulelo.
Ngowokuqala umthengi wekhaya, ezi izaphulelo zingasetyenziswa. Yingakho kubalulekile ukulungiselela nokuphanda iinketho zakho ukuba uphume phezulu. Imali oyigcinayo kwiindleko ze-inshurensi inokungena kwi-mortgage yakho okanye ekuphuculeni ikhaya.
Ukuthetha nomsebenzi we-inshurensi yendawo yangaphambili ngaphambi kokuba uthenge ikhaya kunokukuphawula ngeengxaki ezinokwenzeka okanye iindleko eziphezulu.
Abasebenzi be-inshurensi abakhethekileyo kwi-inshurensi yasekhaya babona isabelo sabo samabango kwaye banakho ukufikelela kwiinkampani zenkampani yomshuwalense kwimimandla eyahlukeneyo.
Yintoni Enokwenza Inqwelo Yakho Yomshuwalense Yongezeleleke?
- Ukuba wenze amabango ngaphantsi komgaqo-nkqubo we-inshorensi yangaphambili njengenqubomgomo yeendwendwe, awuyi kukwazi ukufumana isaphulelo sehhala semali esenokubangela ukuba ukhokhe ngokubaluleke kakhulu kwi-inshurensi yasekhaya
- Ukuba awunakuthabatheli ukuthenga imali yomshuwalense wekhaya kunye neyomshuwalense, uya kuhlawula enye inshorensi yasekhaya kunomntu obeka yonke inshurensi yakhe nenkampani enye. Uya kufuna ukuvavanya iindleko ezipheleleyo zeemigaqo-nkqubo zombini kunye ne-insurer efanayo. Ngamanye amaxesha xa ubheka iindleko ezipheleleyo ze-inshurensi, ixabiso lomshuwalense wemoto lingaba xabisa kakhulu nge-insurer yakho yasekhaya, kodwa isaphulelo oya kufika ekhaya singenza ixabiso lexabiso le-inshurensi yakho ngaphantsi. Njalo hlalutya i-inshurensi yakho njengepakethe yonke kwaye akukho nanye kwenye. Yiba buchule kwaye usebenzise yonke i-inshurensi yakho ukuthetha.
- Ukuba awuzange ube ne-inshorensi yangaphambili kwindawo yokuhlala okanye ukuba unesiphelo kwingxelo yakho yomshuwalense.
- Ukuba sele ukhanselwe ngaphambili yinkampani yomshuwalense ukuba ungenayo inkokhelo (nokuba yakho yomshuwalense wemoto ingabalelwa)
- Ukuba ikhaya lakho linempawu ezizodwa okanye iimfuno ezinjengeba zixhobo ezizodwa ezisetyenziselwa ukwakhiwa kwayo, ukuba zikwindawo enamabango amaninzi, okanye unobungozi obuphezulu njengokuba kusekuhlaleni kwindlabo okanye kwindawo ephezulu yokulimala komoya neenkanyamba .
Iingcebiso ezi-5 zokugcina imali kwiNkcitho yakho yasekhaya yaseNtshuwalense
Kukho iindlela ezinokuthi uthathe inyathelo ngaphambi kokuthengwa kwekhaya lokuqala ukugcina imali yokongeza kwimali engama-dollar kwi-inshurensi yakho kunye nokuthengwa kwekhaya lokuqala.
1. Musa ukushiya i-Intshurensi yasekhaya yakho Ukuthengwa kwiNgcaciso yokugqibela
Kukho okunye okuninzi kwi- inshurensi ye-inshurensi yasekhaya ngaphandle kokubhalisela umgaqo-nkqubo. Unokumangaliswa ukuba bangaphi abantu abaye bathatyathwa ngokukhethwa kwabo kwikhaya lokuqala, bafumana imvume yokuqhawula imali, ukuhlolwa kwekhaya, kunye nokuxoxisana, ukuba bayeke i-inshurensi kwikhaya labo elitsha kwimizuzu yokugqibela. Kwenzeka ntoni xa ukwenza oku kukuba uza kuba neenketho ezincinci. Uyakuziva ucinezelekile ukwenza ukhetho ngokukhawuleza, kwaye awuyi kuba noxhala malunga neengxelo ezifumanekayo kunye nomgaqo-nkqubo wakho wasekhaya. Ungazibeka kwesi sikhundla.
Icebiso: Xa ufumanisa i-inshurensi yendlu yakho iya kuba kusekelwe kwisakhiwo okanye kwixabiso lokuhlala, abanye abanikazi bamakhaya bayamangaliswa ukufumana ixabiso lempahla yezindlu zabo azihlali zifana nexabiso lokuhlala.
Oku kubangele kubangele ukungabikho kwamangalisa okungadingekile, iindleko okanye imiba.
Ukwenza i-inshorensi engafanelekanga inokukuhlawula ikhulu lamadola ngelixesha elifutshane (elibi ngokwaneleyo), kodwa ngokwenene liyakuhlawula amawaka eedola kunye noxinzelelo olukhulu kwixesha elide. Xa ukhetha i-inshorensi ngenxa yokuba ixabiso elincinci, uhlala ungakhangeli ukuba uza kuhlawulwa njani kwibango. Ulibala malunga ne-inshurensi xa usuhambele kwikhaya lakho elitsha, kwaye emva kokuba ibango lenzeke xa abantu bephelile ukuhlawula imali.
Yenza uphando malunga ne-inshurensi yekhaya engcono kwindawo yakho, kwaye ukhumbule ukuba iinkampani zomshuwalense zijolise kwiimveliso zazo ngokusekelwe kuloluphi iprofayili ekujoliswe kuyo kubaxhasi okanye umngcipheko. Ikhampani ye- inshurensi yemoto engasayi kuba yinto efanelekileyo kakhulu yokuqinisekisa ikhaya lakho elitsha okanye indlela yokuphila. Ufuna ukufumana enye enikezela ngokukhawuleza ngokugqithiseleyo kwizinto ozifunayo.
Iphulo: Xa ushukuthela kwikhaya lakho elitsha, indleko yomshuwalense wakho wemoto inokunyuka. Imilinganiselo ye-inshurensi yemoto isekelwe ekusebenziseni, ihamba ngokuya emsebenzini, kunye nemimandla apho isithuthi sigcinwe khona ebusuku, ngamanye amagama apho uhlala khona. Ungakulibali uhlahlo lwabiwo-mali malunga naluphi na utshintsho olukhoyo apho, okanye usebenzise i-inshurensi yemoto njengento yokuxoxisana ukuze ufumane ixabiso le-inshurensi yasekhaya.
2. Musa ukucinga ukuba iindleko ze-Intshurensi yakho iya kuba yinto efanayo neyomnini wamanje
Abantu abaninzi babuza umninikhaya wangaphambili ukuba iindleko zombane, iirhafu zesikolo, iirhafu zepropati kunye nezinye iindleko zakuba zizigqibo ekuthengeni ikhaya. Impendulo kwindlela ehlawulwa ngayo kwi-inshorensi ayikho isibonakaliso esihle sokuba uza kuhlawula phi. Ukuba ikhaya likwindawo ekhukula yamanzi okanye kwindawo apho kukho izivunguvungu ezininzi okanye iimangalo zengqungquthela, le ngcaciso ingaba lula ukuyifumana; nangona kunjalo, isiseko sendlela iindleko ze-inshurensi yazo ibalwa ngayo kuya kucaca ngokupheleleyo.
Imigaqo-inshurensi iqwalasela ulwazi oluthile lomntu ukuze kuqinisekiswe iindleko. Ubudala bomntu, ukulinganiswa kwesikweletu, umsebenzi kunye nezinye izigqibo ezizikhethela ukuba yeyiphi i-inshurensi abayikhethayo ayiyi kumela imeko yakho. Fumana intengo yomshuwalense ngaphambi kokuba uvale idibanisa.
3. Umshuwalense weMali-mboleko ingaba yixabiso lee-Agent ye-inshurensi kunokuba ungene kwi-Mortgage yakho yeLender
Umboleki wakho wemali mboleko okanye ibhanki inokukunika i-inshurensi yokuthenga. Isizathu sokwenza oku kuba kuba bafuna ukuqinisekisa ukuba ukuba kwenzeka ntoni kuwe ukuba bafumane imali yabo. Iirhafu zabo zingahle zenziwe ngokubanzi ukulingana nabaxhasi babo abaqhelekileyo. Oku kunokuphelisa ukubiza imali eninzi. Unokuba neenzuzo ngaphezu komntu oqhelekileyo. Ngokomzekelo, ukuba uneminyaka engaphantsi kwe-35 kwaye usempilweni enempilo, isantya sakho sinokungaphantsi. Thetha kumcebisi wakho wezezimali okanye ummeli wakho womshuwalense wobomi ngaphambi kokuba wenze idibaniselwano.
4. Musa ukuyeka ukuPhepha kweKhaya; Yisebenzise ukuze ugcine ixesha elide
Ukuhlolwa kwekhaya kuyinkcazo yakho enkulu kwiingxaki ezinokuthi uhlala ekhaya lakho. Ukuba nekhaya eliphazamisekileyo lingakuhlawula imali eninzi. Abahloli basekhaya banokukunceda uqonde iingxaki ezifihliweyo, kwaye uqaphele ukuba ulungise oko kuya kufuneka wenze ukuba ikhaya lakho likhuseleke kumonakalo.
Ukuhlola kwakho ekhaya kungakunika iingcebiso malunga nendlela yokuphucula ukuhlala kwakho ngeendlela eziza kukunika izaphulelo kwiindleko ze-inshorensi. Ummeli wakho we-inshurensi yasekhaya unokukunceda ukuba uvavanye oku.
5. Yenza Umlando Womshuwalense Wakho Ngaphambili
Ukuba nomlando we-inshorensi eqinisekileyo kunokukwenza ukuba ube nokufumana izibhengezo zamahhala mahhala kunye nokunyaniseka kwezaphulelo. Oku kungongeza kwi-savings ngaphezu kwe-20%. Kukho iindlela ezimbini onokuzisebenzisa ngokusekwa kwimbali yomshuwalense ngaphambi kokuba uthenge ikhaya lakho lokuqala okanye i-condo.
- Ukuba uhlala nomntu onomshuwalense, njengabazali bakho, ngaphambi kokuba uthenge ikhaya lakho, qhagamshelana nenkampani yabo yinshurensi ukuze ubone ukuba baya kuqonda umlando we-inshorensi osuvele uyenzile apho. Ungakwazi kwakhona ukuba inkampani yakho yomshuwarensi entsha ikwazi ukuba wawuphi na indawo ngaphambi kokuba ubekho uncedo ngaphantsi komgaqo-nkqubo wabantwana bakho (ukuba kwakungekho namabango), akuqinisekanga, kodwa inokusebenza ukususela ekubeni unemfundiso " njengelungu lentsapho ehlala kuloo ndawo yokuhlala.
- Fumana umgaqo-nkqubo weendwendwe apho uhlala khona ngaphambi kokuba uthenge ikhaya
Ukuba neNkampani yomshuwalense weeRejista inganceda iindleko eziphantsi xa uthengeza ikhaya lakho lokuqala
Kukho inzuzo eninzi yokufumana i-insurer yomshuwalense kusenjenjalo ebomini, ayikukhuseli nje kwimithwalo yemali engalindelekanga ukuba kukho utywala ngokukhawuleza okanye umlilo kodwa ikubeka ukuba ugcine imali kwikhaya lakho okanye kwinshurensi yakho xa uthe wagula lakho lokuqala kwikhaya.
Iinkampani ze-inshurensi zinikeza izaphulelo kubantu abangabonisa imbali yamatyala-ntlawulo. Ukuba ulinda uze uthenge indlu yakho yokuqala ukuthenga i-inshorensi, unokuhlawula ngaphezulu kwe-25% ngaphezulu kwinqanaba lakho le-inshorensi yasekhaya, xa kuthelekiswa nomntu owayesine-inshurensi iminyaka embalwa.
Ngokwe-National Association of Commissioners Insurance (NAIC), ixabiso leendleko ze-inshurensi ye-renters li malunga ne-187 ye-$ ngonyaka. Oku kuyahluka ukusuka kummandla ukuya kwimeko, nangona kunjalo nakwiindawo ezibiza kakhulu, unokufumana inkxaso engundoqo phantsi kwe-$ 20 ngenyanga.
Ngoko ke ucinge ukuba uhlawula i-inshurensi ye-renters iminyaka emithathu, kwaye awunayo ibango. Makhe sithethe ukuthi isebenza ukuya kuma-600. Emva koko ufake isicelo sakho senkonzo yomshuwalense kwikhaya lakho lokuqala. Ukusebenzisa lo mfanekiso, Ukuba unako ukugcina i-25% okanye ngaphezulu kwiindleko ze-inshurensi yasekhaya entsha ngokufumana imbali engenamabango ekhoyo ephakamileyo lakho, uya kuba lula ukwenza imali yakho, okanye kabini, kwiimeko i-inshurensi ephakamileyo echazwe. Ukuza ngaphantsi kweedola ngemini ye-inshurensi yomqeshi, akusayi kukukhusela kuphela ekulahlekeni kwezemali ngelixa urenta, kodwa kuba utyalo-mali lwangaphakathi kwiindleko eziphantsi kwezindlu zokuhlala kwixesha elide.