Imibuzo emihlanu ukukunceda ukuba ubone ukuba ufuna i-inshorensi yobomi emhlalaphantsi
Ngandlela-thile asithethi ngenye inhlobo yomshuwalense.
Thatha umzekelo wokuqinisekisa isixhobo sokuzonwabisa. Kucinga emva kweminyaka eyishumi engenazo iingozi, uthengisa imoto yokuzonwabisa.
Awuyi kuthi, "Kodwa ndihlawule kumgaqo-nkqubo wonke ngeli xesha. Andikwazi ukuyikhansela. "
Hayi, njengokuba kunjalo, mhlawumbi unokuziva ukhululekile ukuba uneminyaka elishumi elondekileyo, kwaye akuzange ufune ukujongana needroxable okanye izilungiso zamabango.
Ubomshuwarensi bomiyahluke ngokuba sonke sinamathele kubomi bethu.
Into omele uyikhumbule kukuba, njengento engaqhelekanga njengoko isenokuvakala, inshuwalense yezempilo ayithengi ukuqinisekisa ubomi bakho. Emva kwakho konke, ubomi bakho buxabiseke, kwaye akukho mali enokuthi yaneleyo ukuyiqinisekisa. Yiyiphi inshorensi yobomi ehlose ukuqinisekisa ukuba ukulahleka kwemali, okanye ubunzima, ukuba umntu uza kuba namava xa ubomi bakho buphela. Uninzi lwexesha elahleko lokulahlekelwa ngumshuwalense lulahleko lwenzuzo. Oko kuthetha ukuba kanye umhlalaphantsi , ukuba imithombo yengeniso ihlala isigxina kungakhathaliseki ukuba uhamba kweli hlabathi okanye awukho, ngoko imfuneko yentsholongwane yomshuwalense ayisekho.
Imibuzo emihlanu elandelayo ayiyi kukukunceda ukuba ubone ukuba usadinga inshorensi yobomi , baya kukunceda ukuba ufumane ixabiso lomshuwalense wobomi ongayimfuneko, kwaye luhlobo luni olufanelekileyo.
Ngaba ufuna inshorensi yobomi?
Ngaba umntu uya kulahleka xa efa? Ukuba impendulo ayikho, ngoko awuyidingi inshuwalense yobomi. Umzekelo omhle wale nto yayiza kuba ngumhlala-phantsi ohlala umhlalaphantsi onomthombo ongenamkeleko wokufumana umhlala-phantsi kwiingxowa-mali kunye neepensheni apho bakhethe inketho ehlawula i-100% kumlingane osaphila .
Ingeniso yabo iya kuqhubeka ngokulinganayo, kungakhathaliseki ukufa kwesinye iqabane.
Ngaba ufuna inshorensi yobomi?
Nangona akuyi kubakho ilahleko eninzi ekhoyo ekufeni kwakho, unokuthanda inkolelo yokuhlawula i-premium ngoku ukuze intsapho, okanye intandokazi, izuze ekufeni kwakho. Ubomshuwarensi bokuba yindlela enhle yokuhlawula encinci inyanga nganye, kwaye ushiye isixa esininzi kwisizathu sokuncedisa, okanye kubantwana, kubazukulu, iinzala, okanye abazalwana. Ingaba yindlela efanelekileyo yokulungelelanisa izinto xa uhlala emtshatweni wesibini kwaye ufuna i-asethi ukuba idlulisele kubantwana bakho kunye nabanye kwiqabane langoku.
Iyintoni inani elifanelekileyo leminshuwalense yobomi?
Cinga ngeemeko zakho kunye nabantu abanokufumana ukulahleka kwemali ukuba ubufa namhlanje. Sisiphi isixa semali esiya kubavumela ukuba baqhubeke bengakhange bafumane ukulahleka okunjalo? Ingaba yiminyaka emininzi yemali engenayo, okanye imali efunekayo yokuhlawula imali. Yongeza ilahleko yezemali kwinani leminyaka eliya kwenzeka. Ixabiso liyakunika indawo enokuqala yokuqala malunga ne-inshorensi yobomi efanelekileyo.
Kuza kube nini ufuna inshorensi yobomi
Ngaba umntu uya kuhlala elahlekelwa yimali xa usudlula?
Mhlawumbi akunjalo. Enyanisweni, ukuba uneminyaka ephakamileyo yokufumana imali xa uhamba, kwaye unomlingane ongeyena osebenzayo okanye ophantsi, unokufumana nzima kumlingane wakho osasalayo ukuba alondoloze ngokwaneleyo umhlala-phantsi okhululekile . Kodwa emva kokuthatha umhlalaphantsi, umvuzo wentsapho kufuneka uzinze, kuba awuyi kuxhomekeke ekubeni uya kusebenza imihla ngemihla. Ukuba le yimeko yakho, kufuneka ufune i-inshorensi kuphela ukukhawulela i-gap phakathi kwangoko kunye nomhlalaphantsi.
Uhlobo luni inshuwalense yobomi oyifunayo
Ngaba ukulahleka kwezimali okuxeliweyo ekufeni kwakho kuya kwanda, okanye kuyancipha, ngokuhamba kwexesha? Impendulo inokukunceda uqonde uhlobo lomshuwalense wobomi omele ube nawo.
Xa ukulahlekelwa kwemali kukukhawulelwe kwiminyaka yeengcaka phakathi konyaka kunye nomhlalaphantsi, ngoko inani lelahleko linciphisa unyaka ngamnye njengoko ukugcina imali yakho yomhlalaphantsi kukhula.
I-inshurensi yexesha, okanye umgaqo-nkqubo wexeshana, uphelelekile kwezi meko.
Kodwa ukuba unayo ibhizinisi elincinci elincomekayo, kwaye unomthamo ophezulu, i-estate yakho inokuthi ibe phantsi kweentlawulo zezindlu. Njengoko ixabiso lempahla yakho likhula, umthwalo werhafu ongenako ukhula. Lehleko yezimali iyakwandisa ngaphezu kwexesha.
Kule meko, umgaqo-nkqubo womshuwalense wokhuseleko olusisigxina, njengomgaqo-jikelele okanye umgaqo-nkqubo wobomi, nangona ixabiso elininzi, liya kukuvumela ukuba ugcine i-inshurensi ixesha elide, ukubonelela intsapho yakho ngenkokhelo ukuhlawula irhafu yexabiso ukuze ishishini lingabi yahluthwa.
Ininshurensi engapheliyo yinto enyanzelekileyo kuyo nayiphi na ipolisi yomshuwalense yobomi ofuna ukuyihlawula ngokuqinisekileyo, nokuba uhlala u-100. Umzekelo uza kuba yinshurensi yobomi ngenzuzo yothando, okanye uhlawule iindleko zakho zokugqibela.
Imeko apho i-inshorensi yobomi iyadingeka
- Abadibeneyo kwiminyaka yabo yokuzuza, ukugcina umhlalaphantsi.
- Abathathe umhlala-phantsi abaya kulahlekelwa inxalenye enkulu yengeniso yentsapho xa elinye iqabane lifa.
- Abazali abangabantwana abadala.
- Imindeni eneendawo ezinkulu kunye nefa liya kuba phantsi kwentela yefa.
- Abanikazi bamashishini, amaqabane amashishini kunye nabasebenzi abakhulu abaqeshwe ngamashishini amancinci.