I-inshorensi yezobomi iklanyelwe ukukhusela intsapho yakho kunye nabanye abantu abanokuxhomekeka kuwe ngemali inkxaso. Inkorensi yobomi ihlawula inzuzo yokufa kumxhamli we-inshorensi yobomi bomshuwalense.
Kule minyaka, i-inshorensi yomshuwalense nayo iguquke ekunikezeni iinketho zokwakha ubutyebi okanye utyalo-mali lwentlawulo.
Ngubani Ofuna Ubomi Bomshuwalense FAQ
Ngaba inshorensi yobomi kuphela ngabantu abanentsapho yokuxhasa?
Ufanele uthenge nini inshorensi yobomi? Siza kudlula le mibuzo kunye neemeko eziqhelekileyo xa i-inshorensi yobomi yinto efanelekileyo yokuthenga ngokusekelwe kwiimeko ezahlukeneyo. Olu luhlu luyakunceda ukuba unqume ukuba lixesha lokuba uqhagamshelane nomcebisi wakho wezezimali kwaye uqale ukukhangela iinketho zakho ze-inshorensi.
Ngaba Ndifuna Ubomi Bomshuwalense Ukuba Andikho Abanamkeli?
Kukho imeko apho i-inshorensi yobomi ingaba luncedo nangona ungenabo abaxhomekeke kuyo, eyona nto isisiseko eyayiza kubakho iindleko zomngcwabo. Kukho ezinye ezininzi izizathu. Nazi izikhokelo zokukunceda ukuba unqume ukuba i-inshorensi yobomi yinto efanelekileyo kuwe:
Kuphi Ubomi Bokuba Ufanele Uthenge Ubomi Bomshuwalense?
Into yokuqala ofuna ukuyifumana ngomshuwalense womshuwalense kukuba uncinci kwaye unempilo, ungabizi kangangoko.
I-inshorensi yoBomi obuPhezulu kakhulu kunokuba uya kuxhomekeka kuyo:
- Kutheni ufuna i-inshorensi yobomi (ukwakha ubutyebi, ukukhusela impahla, ukubonelela intsapho yakho?)
- Yintoni imeko yakho
- Yiyiphi inqanaba ebomini apho (unabantwana, ngaba usesikolweni, uqala ishishini, uthenge ikhaya, utshatile, njl.)
- Uneminyaka engakanani ubudala
Imiba eyahlukileyo kunye neendlela onokusebenzisa ngayo i-inshorensi yobomi
Nolu uluhlu lwabantu abangadinga inshuwalense yobomi kwizigaba ezahlukeneyo zokuphila, kwaye kutheni ufuna ukuthenga i-inshorensi yobomi kulezi zigaba.
Olu luhlu luyakunceda uqwalasele izizathu ezahlukahlukeneyo zokuthenga i-inshorensi yobomi kwaye kukuncede ukuba wazi ukuba lixesha lokuba ukhangele ukuthenga i-inshorensi yoshishino okanye cha.
Umcebisi wezezimali okanye ummeli we-inshorensi yomntu unokukunceda ukuba uhlolisise iindlela ezahlukeneyo ze-inshorensi yempilo kwaye kufuneka uhlale uxubusha ngeengcamango zabo zobuchule ukukunceda wenze ukhetho.
1. Ukuqala Imindeni
Ubomshuwarensi bomi kufuneka kuthengwe xa ucinga ukuqala intsapho. Iirhafu zakho ziya kuba zincinci ngakumbi ngoku xa ukhula kwaye abantwana bakho bokamva baya kuxhomekeka kwingeniso yakho. Funda ngakumbi kuBazali: Uninzi Kangakanani Umshuwalense Wobomi?
2. Ukuseka Imindeni
Ukuba unentsapho encike kuwe, udinga inshorensi yobomi. Oku akubandakanyi kuphela iqabane okanye iqabane elisebenza ngaphandle kwekhaya. Ubomshuwarensi bomi kufuneka iqwalaselwe ngumntu osebenza ekhaya. Iindleko zokutshintsha umntu ukuba enze imisebenzi yasekhaya, uhlahlo lwabiwo-mali, kunye nokunyamekelwa kwabantwana kungabangela iingxaki ezinkulu zemali kwiintsapho eziphilayo. Funda ngakumbi kuBazali: Uninzi Kangakanani Umshuwalense Wobomi?
Abadala abatsha abangabodwa
Isizathu sokuba umntu omdala angadinga ngokubakho i-inshorensi yobomi kuba kukuhlawula iindleko zomngcwabo okanye ukuba bancedise umzali osekhulile okanye omnye umntu onokunyamekela ngemali.
Unokucinga kwakhona ukuthenga inshorensi yobomi xa usemncinci ukwenzela ukuba ngelixesha olilifunayo, akufanele uhlawule ngaphezulu ngenxa yobudala bakho. Umdala owufumanayo, i-inshorensi yobomi ebiza kakhulu iya kuba kwaye ubeka ingozi ekugatheni ukuba kukho iingxaki kwi- inshorensi yezempilo yonyango .
Ngaphandle koko, ukuba omnye uneminye imithombo yemali kumngcwabo kwaye akakho omnye umntu oxhomekeke kwingeniso yabo ngoko-inshorensi yomshuwalense ayiyi kuba yimfuneko.
4. Abanikazi beeKhaya kunye nabantu abanee-Mortgages okanye ezinye iItyala
Ukuba uceba ukuthenga ikhaya elinomhlala-mboleko, uya kubuzwa ukuba ufuna ukuthenga i-inshurensi yokuthenga. Ukuthenga umgaqo-nkqubo we-inshorensi yobomi oza kubhalela ityala lakho lokubambisa liyakukhusela umdla kwaye ukhuphe ukuba uthenge i-inshurensi eyongezelelekileyo xa uthenge indlu yokuqala .
Ubomshuwarensi bomiba yindlela yokuqinisekisa ukuba amatyala akho ahlawulwa xa ufa.
Ukuba usweleka ngamatyala kwaye akukho ndlela yokuba ifa lakho lihlawule, i-asethi yakho kunye nayo yonke into oyisebenzisayo ingahle ilahleke kwaye ayiyi kudluliselwa kumuntu onomkhathalelayo. Endaweni yoko, i-estate yakho ingashiywa ityala, enokudluliselwa kwiindlalifa zakho.
5. Abantwana abangabantwana abangabasebenzi
Bobabini abantu kule meko bafuna ukugqiba isigqibo sokuba ngaba bafuna inshorensi yobomi. Ukuba bobabini abantu bazisa ingeniso yokuba baziva bekhululekile behlala bodwa xa iqabane lawo lifanele lidlule, ngoko-inshorensi yobomi ayinakuyimfuneko ngaphandle kokuba befuna ukufihla iindleko zabo zomngcwabo.
Kodwa, mhlawumbi kwezinye iimeko umlingane omnye osebenzayo uncedisa ngakumbi kwimali engenayo okanye ufuna ukushiya ezinye izinto ezibalulekileyo kwiimeko zezemali ezingcono, ngokokuba ukuthenga i-inshorensi yobomi kungeke kube ngumthwalo wemali, kunokukhetha. Ukufumana inkcitho ye-inshorensi yobomi engaphantsi ikhangele kwi- Term Life Insurance okanye ucinge ngemigaqo-nkqubo ye-inshorensi yobomi apho uhlawula umgaqo-nkqubo omnye kwaye inzuzo yokufa iya kuqala ekufeni.
6. Abantu abane-inshorensi yobomi ngemisebenzi yabo
Ukuba unomshuwalense wobomi ngomsebenzi wakho, kufuneka usayithenga ipolisi yomshuwalense wakho wobomi. Isizathu sokuba ungaze uthembele kuphela kwi-inshorensi yobomi emsebenzini ukuba ulahlekelwe ngumsebenzi wakho, okanye unqume ukutshintsha imisebenzi kwaye xa usenza oko, ulahlekelwa ngumgaqo-nkqubo womshuwalense wobomi. Akukona isisemgangathweni ukuba ushiye i-inshorensi yakho yobomi ezandleni zomqeshi. Umdala ufumana imali eyongezelelekileyo yomshuwalense wobomi bakho. Ukulungele ukuthenga ipolisi encinci yokugcina ukuqinisekisa ukuba uhlala usenomshuwalense wentsholongwane, nokuba ulahlekelwa ngumsebenzi wakho.
7. Abalingani bezoshishino kunye nabanini-shishini
Ukuba unomlingani webhishini okanye ungumnini-shishini kwaye kukho abantu abathembele kuwe, unokuqwalasela ukuthenga umgaqo-nkqubo womshuwalense wobomi ohlukeneyo ngenjongo yeembopheleleko zakho zoshishino.
8. Ukuthenga i-Inshurensi yoBomi kubazali bakho
Uninzi lwabantu alucingi oku njengesiqhinga, uthenge lusetyenzisiwe kwaye luya kuba yinto ehlakaniphile yokwenza. I-inshorensi yobomi kubazali bakho iyakufumana inzuzo yokufa xa uzibeka njengomzuzi-mgaqo-nkqubo owenza ngawo. Ukuba uhlawula iipriyamu zabo uya kufuna ukuqinisekisa ukuba uzenzele umxhamli ongenakunyaniseki ukukhusela utyalo-mali lwakho.Le ndlela xa abazali bakho befa, ukhusele inani lemigaqo-nkqubo yomshuwalense. Ukuba ukwenza oku ngelixa abazali bakho bebancinane ngokwaneleyo, kusenokuba utyalo-mali olululo.
Ungaphinda ufune ukukhusela ukuzinza kwakho kwezezimali ngokujonga ukuthenga unyameko lwexesha elide kubo okanye ucebisa ukuba bajonge kuyo. Ngokuqhelekileyo xa abazali begula njengoko bekhula, umthwalo wemali kubantwana bawo uninzi. Ezi zimbini zikhethi zinokubonelela ngokukhusela ngemali onokuthi ungacingi ngenye indlela.
9. I- inshorensi yobomi kubantwana
Uninzi lwabantu luya kubonisa ukuba abantwana abayidingi inshuwalense yobomi kuba abanakho abaxhomekeke kuyo kwaye xa kwenzeka ukufa kwabo, nangona ingaba yingozi, inshorensi yobomi ayinakuzuzisa.
Izizathu ezi-3 zokuthenga i-inshorensi yobomi kubantwana
- Ukuba ukhathazeka ngabantwana bakho ekugqibeleni ufumana isifo. Ezinye iintsapho zixhalabele ngempilo yexesha elide labantwana ngenxa yobungozi bokufa. Ukuba abazali bayesaba ukuba ekugqibeleni, oku kungabangela ukuba bangabonakaliyo kamva ebomini, ngoko banokucinga ngokuthenga abantwana babo inshorensi yomshuwalense ukuze bangakhathazeki ngokungafezeki iimviwo zonyango emva koko xa befuna inshorensi yobomi kwiintsapho zabo. Abanye abantu bakhangele i-inshorensi yokugula ebalulekileyo kubantwana ngokunjalo.
- Abanye abantu bathenga i-inshorensi yobomi kubantwana njengoko befikelela kwiminyaka yabantu abadala ukuze bancede baqale ukuqala ebomini. Umgaqo-nkqubo we-inshorensi yobomi unomphela unokuba yindlela yokwakha imali yabo kwaye ubanike ithuba lokuba nenqubomgomo yomshuwalense wobomi ohlawulela ngokwabo xa usenentsapho yabo, okanye ukuba bafuna ukusebenzisa isabelo semali ukuboleka ngokubhekiselele ekuthengeni okukhulu. Ubshuwarensi yobomi kubantwana banokuthengwa njengesipho kubo.
- Ukuba ufuna ukufumana uhlobo oluthile lwenzuzo yokufa ekuncedeni ukujongana nokufa komntwana kwaye ufihla iindleko zomngcwabo ukuba kwenzeka into ethile kubo. Ukulahlekelwa ngumntwana kuphazamisayo kwaye nangona abantwana bengaboneleli ngemali, badlala indima ebalulekileyo kwintsapho kwaye ukulahlekelwa kwabo kunokuchaphazela amanqanaba amaninzi. Ukulahleka kungenza kube nzima ukuba usebenze, kwaye unokubandezeleka ukulahlekelwa kwemali, kufuna uncedo lwengqondo, okanye ufuna uncedo kubantwana abasaphila ngenxa yokudlula kwabo.
Abantwana, inxalenye enkulu, abayidingi inshuwalense yobomi, kodwa ukuba inxalenye yesicwangciso, inshorensi yobomi kubantwana ingaba yinto enokuyiqwalasela ngezizathu ezingentla. Soloko ulinganisela ukhetho lwezi zilapha ngasentla kunye namanye amathuba okulondolozwa okanye i-inshorensi ongayiqwalasela ngayo abantwana bakho.
10 abadala
Nangona ungekho abantu kuxhomekeke kwingeniso yakho yenkxaso, i-inshorensi yobomi ngeli nqanaba ebomini ayiyi kuba yimfuneko, ngaphandle kokuba ungenayo enye indlela yokuhlawula iindleko zomngcwabo okanye unqume ukuba ufuna ukushiya imali ilifa. Enye into ebalulekileyo malunga ne-inshorensi yobomi xa usukhulile, ngaba izinto zokulondoloza irhafu ukuba ufuna ukugcina ixabiso lempahla yakho. Kufuneka uxoxe nommeli wezindlu okanye umcwangcisi wezemali ukuqonda ukuba ukuthenga i-inshorensi yempilo kwiminyaka yakho kamva kunokubonelela ngeenzuzo zerhafu. Ukuthenga umgaqo-nkqubo we-inshorensi yobomi kule minyaka ingaba kubi kakhulu.
Ubomi bomshuwalense njengeSicwangciso soKhusela nokwakha ubutyebi
Xa uthenga inshorensi yobomi okhangeleyo ukukhusela indlela yokuphila kwintsapho yakho okanye oxhomekeke kuyo ukuba ufanele ufe.
Ukuba le yinjongo yakho ephambili ke i-inshorensi yobomi bendleko engaphantsi ingaba yindawo efanelekileyo yokuqala.
Unokujonga kwakhona njengendlela yokwakha yakho okanye ubutyebi bentsapho yakho mhlawumbi ngeentlawulo zerhafu okanye ukuba ufuna ukushiya imali njengelifa, njengokuba kunjalo kwi- inshurensi yobomi bomshuwalense .
Ungaphinda uthenge i-inshorensi yobomi njengendlela yokuqinisekisa ukuzinza kwakho kwezezimali, kwimeko yomshuwalense wobomi bonke , okanye i- inshorensi yobomi bomshuwalense yendalo yonke enika ixabiso lemali kunye notyalo-mali. Ezi ntlobo zemigaqo-nkqubo, kunye ne-inshurensi yemigaqo-nkqubo ye-inshorensi yempilo iphinda inike amandla okuboleka imali kwi-inshorensi yobomi bomshuwalense .