Impendulo Enhle okanye Engalunganga?
Hlola umgaqo-nkqubo wakho womshuwalense wokuphila ukuba ubone ukuba kubandakanya ukubonelelwa kwemboleko.
Ngaba Unako Ukuboleka Imali Kwimigangatho Yobomi Bomshuwalense?
Ininshurensi yobomi engabizi njenge-inshorensi yomhlala-phantsi ayikuvumeli ukuba ubole imali kumgaqo-nkqubo. Isizathu sokuba inshorensi yobomi bexesha elide libhekwa njengexabiso eliphantsi okanye elincinci, kuba kungumgaqo-nkqubo womshuwalense wobomi bomsulwa, ayikho inzuzo ngaphandle koxhamla lokufa okumele kuhlawulelwe ekufeni kwe-insured, ukuba umfaki-mali uyafa ngelixesha elide.
Iindlela ezisisiseko zokuboleka kwimpilo yakho yomshuwalense
Ukuba ucinga ngokuboleka kwi-inshorensi yakho yobomi bomshuwalense, mhlawumbi uthengiswe umgaqo-nkqubo owanikezela ngexabiso lemali kwaye usetyenzise oku njengenxalenye yesicwangciso sakho ekunqumeni ukuba yeyiphi i-inshorensi yobomi engcono kuwe . Into yokuqala okufuneka uyenze ukuba ucinga ngokuboleka imali okanye ukurhoxisa imali kwi-inshorensi yakho yobomi isigqibo sokuba kunengqondo kwiimeko zakho.
Ngaphambi kokuba uboleke, cela i-agent yakho okanye ummeli ukuba asebenze "umzekeliso onamandla." Umzekeliso osebenzayo uza kukubonisa indlela umboleko wakho oya kuchaphazela ngayo umgaqo-nkqubo wakho. Kwakhona, hlola ezinye iinketho uze ulinganise ubuhle kunye nokuqhawulwa kokuboleka kwipolisi yakho.
Ukuboleka Kwimisebenzi Yomgaqo-nkqubo We-Inshorensi Yobomi?
Xa uboleka ngokusekelwe kwintengo yemali yomshuwalense wakho wobomi bomshuwalense, uboleka imali kwiinkampani zomshuwalense wobomi.
Imboleko evela kwinkampani yakho yinshurensi kulula kakhulu ukufumana ngaphandle kwemali mboleko yebhanki kuba isebenzisa ixabiso lemali lomgaqo-nkqubo wakho njengobuncwane. Ukuba awuyi kubuyisela imali mboleko, baya kuyithatha kwixabiso lemali lomgaqo-nkqubo okanye inzuzo yakho yokufa. Enye yeengxaki eziphambili ngolu hlobo kukuba ukuba umboleko awuhlawulwanga, kwaye awuyikuhlawula umdla, ngoko umdla uya kuhlanganiswa kwaye ungeze kwi-balance balance loan yakho, kwaye unokuphelisa ngaphezu kwexabiso lemali. Ukuboleka kwi-inshorensi yobomi bomshuwalense kufuna ukucwangcisa okucwangcisiweyo kunye nokubeka esweni ibhalansi yakho yemali kunye nexabiso lemali okanye unokubeka ingozi ekulahlekelweni komgaqo-nkqubo wakho. Le yilapho umfanekiso osebenzayo oza kusebenza.
Unokuyiboleka nini Kwi-Life Insurance Policy?
Uyakwazi ukuboleka okanye uthathe imali kwi-inshorensi yobomi bomshuwarensi emva kokuba wakha ixabiso lemali . Uya kufuneka uqhagamshelane nomcwangcisi wezemali okanye umcebisi wakho, okanye ummeli wakho we-inshorensi yomhlala-phantsi ukuba afune ukuba yeyiphi ixabiso lakho lemali kwaye uxoxe ngeyiphi impembelelo eya kuba yinkqubo yakho kunye nokuba kuya kuba neempembelelo zerhafu.
Kukho imiba emininzi okufuneka uyiqwalasele ngaphambi kokuba ukhansele okanye ukhiphe imali yomshuwalense wobomi , uboleke kuyo okanye uthathe ixabiso lemali.
Ngaba Unokubuyisela iMboleko xa uboleka kwi-Life Insurance Policy?
Ngokungafani nemali-mboleko yebhanki okanye i-mortgages, akumele uhlawule umboleko owuthathayo xa uboleka kwi-inshorensi yobomi bomshuwalense. Nangona kunjalo, xa uboleka imali esekelwe kwixabiso lakho lemali, isixa obolekayo sinokunciphisa inzuzo yokufa kwingxenye yomshuwalense wobomi kwipolisi yakho. Ukuba awuyikuhlawula umboleko kunye nomdla kunye kunye nemali eboleweyo kuqala ukugqithisa ixabiso lemali, ungayifaka ingozi yomshuwalense wakho wobomi. Oku kungenzeka ngokukhawuleza kunokuba ucinge.
Izinto ezi-5 zokujonga ngaphambi kokuboleka kwi-Inshorensi yobomi bomshuwalense
Ngaphambi kokuba uboleke kwi-inshorensi yobomi bomshuwalense, kufuneka ube nengxoxo enzulu kunye nomcebisi wakho wezezimali okanye umcebisi we-inshorensi ukuqonda imiphumo emide kunye nexesha elifutshane kunye neengozi.
Kukho iindleko ezininzi ezifihliweyo ukuba ungaziqhelanga ekuqaleni, kwaye ufuna ukuqiniseka ukuba oku kuyona ndlela enhle kakhulu kuwe.
- Xoxa ngendlela umboleko kunye nomdla ochaphazela ngayo umgaqo-nkqubo wakho womshuwalense ukwenzela ukuba uqinisekiswe ukuba inxalenye yokufumana inzuzo yomgaqo-nkqubo wakho ayingozi.
- Fumana ukuba kuya kufuneka uhlawule "iindleko zithuba"
- Qinisekisa ukuba unokukwazi ukuhlawula umrhumo kunye nezinye iirhafu okanye uqaphele isicwangciso esekelwe kumgaqo wakho othize oya kuba nengqiqo kuwe. Ayikho yonke imigaqo-nkqubo iyafana kwaye imeko yomntu wonke iyahluke.
- Ukuba awukwazi ukuhlawula umdla wakho mboleko, cinga kabini. Umzekeliso onamandla oza kukunceda uqonde le ngongoma.
- Ukuba uthembela kwiintlawulo zomgaqo-nkqubo wakho ukuhlawula umdla ngemboleko, jonga ngenyameko kwiinkcukacha kunye nommeli wakho okanye umcebisi wezemali. Oku kuya kuba kubi xa kungenakulungiswa kakuhle.
Yonke le micimbi iya kuvela xa ukhangela umzekelo wempembelelo yemboleko yakho kunye ne-arhente yakho okanye umcebisi.
Izizathu zokuboleka kwi-Inshorensi yobomi bomshuwalense kunye neBhanki
Abanye abantu bathenga i-inshorensi yobomi ngamanani ngokukhethekileyo ukwakha i-asethi ukwenzela ukuba kamva ebomini banokuboleka kwi-inshorensi yobomi babo okanye basebenzise utyalo-mali xa befuna.
- Abanye abantu baboleka kwingxowa-mali yobomi bomshuwalense ukuze baphephe ukulahlekelwa kwemboleko evela kwibhankini. Ukuba unenjongo yokubuyiselwa kwemali mboleko ngexesha elifanelekileyo, kunye nokugcina iintlawulo zenzalo ukwenzela ukuba aziqokeleli, ke oku kungabikho okukhethiweyo.
- Ukuboleka kwi-inshorensi yobomi bakho kubangela ukuba kubekho ukulungelelanisa ukuhlawula imali. Umzekelo, xa uboleka e-bhanki, unentlawulo yenyanga uyenzela ixesha elingagqibekanga, kanti xa uboleka kwiphorensi yobomi bomshuwalense wakho, unokuhlawula ngokuncinci okanye ukufunana nanini nayiphi na ixesha. Kwakhona, kufuneka uqaphele ukuba oku kuchaphazela njani ixabiso lemali-mboleko yakho, ngokubhekiselele kwixabiso lakho lemali njengoko inzala iqokelela, kodwa ukuba ufuna kuphela umboleko ngethuba elifutshane, oku kunokukunceda ukuboleka imali kwaye uyihlawule ngokwemiqathango.
- Ukuba imali oyibolekayo ingaphantsi kwexabiso lakho lemali kwaye unamalungiselelo kunye nendlela yokubuyisela inzala kunye nexabiso kwixesha elithile elifanelekileyo (i-inshente yakho yomshuwalense yomshuwalense unokukunceda ukuba uyiqaphele le nto), uboleke umgaqo-nkqubo uza kuba yinto enhle kuwe.
Unako ukuboleka kwixabiso lemali engunaphakade, kodwa ngaphambi kokuba uqiniseke ukuba ulungele ukulawula ukuthengiswa ngokufanelekileyo ngokuxoxa ngokucokisekileyo kunye nomcwangcisi wakho.
Qaphela Ingqalelo Yenene Yokuboleka Kwimpilo Yomshuwalense Wakho
Sikunike uluhlu olusisiseko lwezinto ukuba ukhangele ukuba ucinga ngokuboleka kwipolisi yakho, le ngcaciso ingasetyenziselwa njengento yokuqala ukuxoxa ngolu hlobo kunye nomcebisi wakho okanye ummeleli kwaye wenze isigqibo esinolwazi. Kukho iindlela ezifanelekileyo zokulawula ukuboleka kwingxowa-nshorensi yobomi bakho inokubonelela ngeenzuzo ezilungileyo, kodwa kukho iingozi xa kungenziwa ngokucwangcisa ngokucophelela.
Umzekelo wendlela yokuboleka kwinjongo yomshuwalense wakho yobomi ingaba yingxaki, ingakumbi ukuba uboleka imali ngenxa yokuba unamaxesha omnxeba wezezimali, ukuba ixabiso lakho lemali kwimpilo yakho likhuselwe kubabolekisi, kodwa umboleko wakho kwi-inshorensi yakho yobomi Umgaqo-nkqubo uthathwa njengemali, kwaye ke oku akusayi kukhuselwa kubaboleki.
Into yokugqibela oyifunayo kukuthatha imali mboleko ngaphandle kokuba nomfanekiso omkhulu. Yintoni ebaluleke kakhulu ukuba ugcine engqondweni kukuba le nto ayifani nokutsala imali ngaphandle kwe-akhawunti yokulondoloza, kukuthengisana okunzima kwaye kufuneka uqinisekise ukuba uyayiqonda kakuhle.
Umzekelo Wokuboleka Imali Kwimigaqo-nkqubo Yomshuwalense Wobomi
UJane wayekade ehlawula i- inshorensi yakhe yonke yobomi ukususela ekubeni wayeneminyaka engama-22. Ngomhla wokuzalwa kwakhe wama-40, wagqiba ekubeni ufuna ukuzithengela isikebhe esasihlala esiphupha ngaso njengesipho kuye kwaye sichitha ixesha elithile ngamanzi kunye nezingane ngaloo hlobo ngaphambi kokuba babe ngabaselula kwaye baxakeke kakhulu ukuba bathathe ixesha lokuchitha kunye nosapho.
Wayekhange ahlawule indlu yakhe, ngoko wayengafuni ukufumana enye imali mboleko, ngoko ke wanquma ukusebenzisa ezinye zokugcina imali yakhe, kwaye wayiboleka imali engama-20,000 ewafunayo kwixabiso lemali ye-inshorensi yobomi bomshuwalense.
Xa ebiza ukuba athathe imali mboleko kwaye axubushe ngemiphumo kunye nomcebisi wakhe wezezimali, wafumanisa ukuba unokuboleka imali, kodwa ukuba loo mali inganciphisa inani lokufa kwakhe. Oku kuya kuthetha ukuba xa kwenzeka okuthile kuye kwaye wafa, intsapho yakhe yayiza kufumana inzuzo yokufa, ngaphantsi komyinge wemboleko ukuba ayizange ihlawule. Oku akuzange kumkhathaze kakhulu, kodwa ke umcebisi wakhe wezezimali waqhubeka uchaza ukuba nangona akazange ahlawule umboleko, unokugqiba ukuhlawula umdla, kunye nomyinge. Xa basebenze iinkcukacha, uJane wenza isigqibo sokuba imali yekhefu mhlawumbi yayingasetyenziselwa kakuhle imali yakhe, kwaye wagqiba ekubeni aqeshe isikhephe endaweni leyo, kwaye ingekho ingozi yokuhlawula zonke iimrhumo kunye nomdla okanye umngcipheko wakhe ixesha elide.
Umzekelo Wokuboleka Kwinkqubo Yomshuwalense Wobomi Ukuqalisa I shishini
UJane wenza isigqibo sokuba ufuna ukuthabatha imali kwi-inshorensi yakhe yobomi ukuze aqale ishishini lakhe. Akakaze aqhube ishishini ngaphambili, ngoko ukhathazekile ngokuboleka ebhankini. Kwakhona akafuni ukuba neminye mboleko kwingxelo yakhe yekredithi. Ngenxa yokuba uJane uye wayenza uphando lweemarike kwaye sele enesidingo esithile kwiinkonzo zakhe sele sele ucinga ukuba unokukwazi ukuhlawula umboleko wakhe we-inshorensi yomhlala-mali kwiminyaka emibini. Ukuboleka imali njengotyalo-mali kuye kwaye ibhizinisi elizayo lenza ingqiqo, ngoko ikhupha imali.