Inkcazo: Umvuzo olahlekileyo kwi-Inqubomgomo yomshuwalense

Gwema i-inshorensi ebekwe phantsi

Ixesha lokulahlekelwa kwexesha eliqhelekileyo lisetyenziselwa ukusetyenziswa kwimigaqo-inshorensi. Umntu olahlekelwa yilahleko kufuneka afakwe kwinqubomgomo yomshuwalense naliphi na ixesha usebenzisa i-collateral ukuze ufumane umboleko. Ukubambisana , nokuba imoto, isithuthuthu, isikebhe, okanye ikhaya kufuneka iqinisekiswe ngumboleki. Kwesivumelwano semali-mboleko, kufuneka uvumelane ukuba uthwale i-inshorensi kwipropati ekhuselekile, ngaphandle kokunyanzeliswa kwe-inshurensi inokwenzeka. Ilahleko yokulahlekelwa yicandelo kwipolisi yakho yomshuwalense e dwelisa igama lakho kunye nedilesi kwi-collateral, kodwa yintoni umvuzo owenzayo?

Izidingo zeLender

Umboleki-mboleko ufuna ukuqinisekiswa kwe-inshorensi kwaye kufuneka ibhalwe phantsi njengentlawulo yokulahlekelwa. Ilahleko yokulahlekelwa kufuneka idibaniswe ngokukhawuleza xa uthenga i-inshorensi kwi-collateral. Ukuqinisekiswa kwe-inshorensi ayikwazi ukuba yikhadi le-id yomshuwalense; kufuneka ukuba yikhasi lokuvakalisa. Ikhasi lokubhengezwa liya kuba neenkcukacha ezininzi ezibalulekileyo ezibalulwe kumboleki wakho.

• Imihla ephumelelayo yomgaqo
• I-VIN yesithuthi
• UmGaqo
• Ukulahlekelwa ngumvuzo odweliswe kakuhle

Injongo yePayee Injongo yokulahlekelwa

Xa umnini-mboleko wakho ubhalwe kwipolisi yomshuwalense nje ngelahleko, umbolekisi uya kufumana isaziso se-inshorensi ye-inshorensi yakho rhoqo. Izaziso ziya kwazisa umnini-mboleko wazo yonke imisebenzi kwi-inshorensi yakho. Uya kuthi nini i-credit card yakho izaziso?

• Emva kokuba ilahleko yokulahlekelwa yongezwa kumgaqo-nkqubo
• Xa utshintsho lwenziwe kwi-coverage
• Ukuhlawulwa kwangoko kumgaqo-nkqubo
• Inkqubo yokukhansela

Icandelo lokulahlekelwa yintlawulo ye-inshorensi yakho ingaphezu kokuqhagamshelana ngqo phakathi kwenkampani yakho yomshuwalense kunye nomboleki. Ngenxa yokuba awuyena yedwa umnini-mboleko, ibango lokutshekisha liya kwenziwa kubini kunye nomboleki okanye ngqo kwivenkile yokulungisa. Kwimeko yokulahlekelwa ngokupheleleyo , umboleki uya kuhlawulwa kuqala.

Ukuba imali ehlawulwa yinkampani yomshuwalense ingaphantsi kwento omele uyenze ngayo, uya kuba noxanduva lokusala. Yilapho i-inshurensi ye-gap iza khona. Ukuba imali ehlawulwa yinkampani yomshuwalense ingaphezu kwezinto ezifunekayo, ufumana intsalela.

Umboleki-mali odweliswe njengelungelo lokulahlekelwa liqinisekisile ukuba umbolekisi uya kuhlawulelwa ngokubambisa, kungakhathaliseki ukuba ilahleko ezikhoyo. I-loss payee i-net-net security for the auctioner to reduce the loan. Ukuba awubhalisi umboleki wakho njengendleko yokulahleka, mhlawumbi umbolekisi uya kubeka inyanzeliso yokunyanzeliswa kwi-inshurensi yakho.

I-inshurensi efunyenwe

I-insured inshorensi ibekwe ngumphumo wokungafaki uluhlu lwelahleko okanye ukuyibeka ngokungafanelekanga kwinkqubo yomshuwalense. Umboleki unelungelo lokukhusela ipropati yalo. Ukuba awuzange uphakamise ukuphela kwakho kwesivumelwano somboleki ngokubonelela ubungqina bomshuwalense , umboleki-mboleko unokufumana i-inshorensi enyanzelisiweyo. Ezinye izinto ozaziyo malunga ne-inshorensi yokunyanzeliswa zibandakanya:

• Kubiza kakhulu
• Iquka kuphela ukulimala komzimba
• Unoxanduva lokulihlawula

I-insured inshorensi ibekwe into enhle kuwe. Iindleko ezininzi kwaye inika ingxelo encinane. I-insured inshorensi ibekwe yinto yokugqibela yokubolekisa.

Fumana ulwazi lokulahlekelwa yintlawulo kwiindawo zokukhusela i-inshorensi ephoqelelwe.

Indlela Yokulungisa Ngokufanelekileyo Umvuzo Wokulahleka

Ukongeza ilahleko ngokufanelekileyo, kufuneka uqinisekise ukuba unelungelo elifanelekileyo kumthengisi wakho. Ababoleki banamakheli amaninzi. Ingaba idilesi enye yeentlawulo, enye yeenkonzo zabathengi, kunye nenkonzo ye-inshurensi. Qinisekisa ngetyala lakho ngeyiphi idilesi abafuna ukuyisebenzisa ukuze ilahlekelwe ngumvuzo kwi-inshorensi yakho. Emva kokuba unelungelo elifanelekileyo, cela i- arhente yakho okanye ummeli wenkonzo yamakhasimende ukuba ungeze umnini-mboleko wakho njengentlawulo yokulahlekelwa.

Xa Ndiyakususa Nini Umvuzo Wokulahlekelwa?

I-loss payer kufuneka isuswe kwinkqubo yomshuwalense emva kokuba ihlawuliswe imali mboleko. Umboleki-mali akasenaso isigxina kwi-collateral. Ukuba i-loss payee ayisuswanga, kuya kufuneka ukuba ubonise ubungqina bentlawulo xa unabango kwinqubomgomo yakho yomshuwalense .

Ukubonelela ubungqina kungabangela ukuphazamiseka kwaye kuthinteke ngokulula ngokubiza umnxeba wakho we-inshurensi okanye ummeli ngokukhawuleza xa uhlawula imali yakho mboleko.

I-loss payee yinxalenye ebalulekileyo yenkqubo yomshuwalense wakho. Ukwazi ukubaluleka kwe-loss payee kuya kuqiniseka ukuba uya kukukhokelela ukuba uthathe izaziso zakho zemali. I-insured insured inshorensi ayiyona indlela ofuna ukuhla. Yongeza umnini-mboleko wakho njengentlawulo yokulahlekelwa kwipolisi yakho ngokukhawuleza.

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