Ukuthenga ukhetho lwefowuni kunelungelo lokuthenga umthengi wekhetho ilungelo lokuthenga isivumelwano sexesha elizayo kwixabiso lesiteyiphina naliphi ixesha ngaphambi kokuba isivumelwano siphelelwe yisikhathi. Oku kunqabile ukuba kwenzeke, kwaye akukho nzuzo enkulu yokwenza oku, ngoko ungabanjwa kwindawo ecacileyo yokuthenga ukhetho lwefowuni.
Uninzi lwabathengi bathenga iinketho zefowuni kuba bakholelwa ukuba iimarike zempahla ziya kuhamba phezulu kwaye zifuna ukuzuza kuloo nto. Unokuphinda ukhiphe ukhetho ngaphambi kokuba kuphelelwe ixesha - ngelixa leemarike, ngokuqinisekileyo.
Zonke iinketho zinobomi obuncinane. Zichazwa ngumhla othile wokuphela kwexesha eliza kutshintshaniswa apho liqhuba khona. Unokutyelela iwebhusayithi nganye yoshishino lokutshintshela ixesha lokuphela kweemveliso zeemarike.
Ukufumana Iifowuni ezifanelekileyo ezifanelekileyo zokuthenga
Kumele uqale wenze isigqibo malunga neenjongo zakho uze ufumane ithuba elihle lokuthenga. Izinto ekufuneka uziqwalasele xa kuthengwa ukhetho lweefowuni ziquka:
- Ubungakanani bexesha oceba ukuba ube kulo shishini
- Isixa onokubanika ukuthenga ukhetho lwefowuni
- Ubungakanani bokuhamba obulindele kwiimarike
Uninzi lwezinto eziphathekayo kunye nexesha elizayo lininzi lwezinto ezikhethiweyo kwiinyanga ezahlukeneyo eziphelelwa lixesha kunye namaxabiso athathweyo ahlukeneyo anokuvumela ukhethe ukhetho olufezekisa iinjongo zakho.
Ubude bexesha ocebayo malunga nokuba kwiOption Call Trade
Oku kuya kukunceda ukuba ufumane ixesha elingakanani lokufuna ukhetho lwekholi. Ukuba ulindele imveliso yokugqiba ukunyuka kwayo phakathi kweveki ezimbini, uya kufuna ukuthenga imveliso ubuncinane ngeeveki ezimbini zexesha elisele kulo. Ngokuqhelekileyo, awufuni ukuthenga inketho ngeenyanga eziyi-9-9 ezisele ukuba uceba nje ukuba uhweba kwiiveki ezimbalwa, ekubeni ukhetho luya kubiza kwaye uza kulahleka.
Enye into ekufuneka uyiqaphele kukuba i- premium yexesha lokukhethwa kwezinto ihlabala ngokukhawuleza kwiintsuku ezingama-30 zokugqibela. Ngako oko, unokwenza okuchanekileyo kwiingcinga zakho ngorhwebo, kodwa ukhetho lulahlekelwa lukhulu lwamaxesha kwaye uphelisa ngokulahlekelwa. Sincoma ukuba uhlale uthenge inketho ngeentsuku ezingaphezulu kweentsuku ezingama-30 kunokuba ulindele ukuba ube yintengiso.
Isixa onokumisela ukuthenga Ikhowudi yefowuni
Ngokuxhomekeka kubukhulu bakho beakhawunti kunye nokunyamezela, ezinye iinketho zinokubiza kakhulu ukuba uthenge, okanye zingenako ukukhetha okulungileyo. Kukhethwa kweefowuni zemali kuya kuba kubi ngaphezu kokukhethwa kwemali. Kwakhona, ixesha eliseleyo kwiindlela ezikhethiweyo zokufowunela zikhona, ziza kubiza ngaphezulu.
Ngokungafani nezivumelwano zexesha elizayo , kukho umda xa uthengela ukhetho oluninzi. Kufuneka uhlawule yonke inkcazo ye-premium phambili. Ngoko ke, ukhetho kwiimarike ezinokungaxhamli njengamafutha angcolileyo kunokuhlawula iilidi ezili-dollar. Oku kungenakufaneleka kuzo zonke iinketho zokuthengisa, kwaye awufuni ukwenza impazamo yokuthenga ubunzulu kwiindlela ezikhethiweyo ngenxa yokuba zikwinqanaba lexabiso lakho. Uninzi olunzulu lwezinto ezikhethileyo luya kuphelelwa lixesha, kwaye zibhekwa njengamahlumela amade.
Ubude beNkuthalo Okulindayo kwiMakethe
Ukwandisa umgangatho wakho kunye nokulawula umngcipheko wakho, kufuneka ube nombono wohlobo oluthile olulindelekileyo kwimpahla okanye kwiimarike ezizayo.
Inkqubo ekhuselekileyo iqhele ukuthenga kwimali yokukhetha. Indlela ekhuselekileyo kukuba uthenge izivumelwano ezininzi ezikhethiweyo. Imbuyekezo yakho iya kwanda kunye neenkontileka ezininzi eziphuma kwimali enokuthi ukuba i-marhwebo yenza inkululeko enkulu. Kwakhona kuyingozi njengoko unelungelo elikhulu lokulahlekelwa i-premium yekhetho xa i-marhwebo ingahambi.
Izinketho zeFowuni kunye neKontrakthi yexesha elizayo
- Umngcipheko omncinci
- Ukunciphisa
Iilahleko zakho ekuthengeni ukhetho lwefowuni zikhawulelwe kwi-premium oye uyihlawulela inketho kunye nee-commissions kunye nayiphina imirhumo. Ngekontrakthi yexesha elizayo, unakho ukulahleka okungenamkhawulo.
Izinketho zefowuni azihambelani ngokukhawuleza njengoko izivumelwano zexesha elizayo ngaphandle kokuba zingqongqo kwimali. Oku kuvumela umthengisi weempahla ukuba akhuphe amaninzi amaninzi nakwehla kwiimarike ezinokunyanzela umrhwebi ukuvala isivumelwano sexesha elizayo ukwenzela ukunciphisa umngcipheko.
Enye yeengxaki ezingundoqo zokuthenga iindlela kukuba ikhetho lilahlekelwa lixesha lixabise yonke imihla. Okukhethwa kukho kuyimpahla yokuchitha. Akufanele nje ukuba uchanekileyo ngokuphathelele ulwalathiso lweemarike kodwa nakwixesha lokuhamba.
Uphule Ngaphawuleza Ukuthenga Izinketho zekholi
Ukuhlaselwa Ixabiso + Ikhefu yokuqala Inkokhelo
Le fomula isetyenziswe kwithuba lokuphela kokucatshangelwa ukuba akukho lixabiso lexesha elishiye kwiindlela zokukhetha. Ngokuqinisekileyo ungathengisa iindlela ozikhethayo nayiphi na ixesha ngaphambi kokuphelelwa yisikhathi kwaye kuza kuba ne-premium yexesha ngaphandle kokuba ukhetho olunzulu kwimali okanye ngaphandle kwemali.
Uhlaziyo
Ukhetho lwefowuni lunokuthi lusebenze njengethuluzi lokuyeka ukulahlekelwa ngumngcipheko wesikhundla esifutshane. Kwiimarike ezithintekayo, kuyacetyiswa ukuba abarhwebi kunye nabatyalomali basebenzise izithuba ezijongene nobungozi. Ukumisa umsebenzi womvuzo, kwaye njengokuba abathathi-nxaxheba abaphumelele kakhulu kwiimarike bayazi, akufanele unobungozi ngaphezu kokuba ukhangele ukuba wenze nayiphi na imali-mali.
Ingxaki ngokuyeka kukuba ngamanye amaxesha iimarike zithengisa kwinqanaba elibangela ukuyeka kwaye emva koko. Kulabo abanezikhundla ezimfutshane, ukhetho lwexesha elide lusebenza njengokhuseleko lokuyeka ukulahleka, kodwa lunokukunika ixesha elide ngaphezu kokuyeka ukuvala isikhundla xa uqhuba umgangatho kwingozi. Kungenxa yokuba ukuba ukhetho luye lushiya ixesha xa imarike iba yinto engathandekiyo, ukhetho lwefowuni lusetyenziswe ezimbini.
- Okokuqala, ukhetho lwefowuni luya kwenza njengentengo yomshuwalense, ukukhusela isikhundla esifutshane kwilahleko ezongeziweyo ngaphezu kwexabiso lentlawulo.
- Okwesibini, mhlawumbi okubaluleke ngakumbi, ukhetho lokufowuna luvumela ithuba lokuhlala lincinci nangona ixabiso lihamba ngaphezu kwinqanaba le-insured okanye ixabiso lentlawulo.
Amakhwekithi amaninzi aphakama kuphela ukujika kwaye awele ngokuphawulekayo emva kokuba ixabiso elibangela ukuyeka imiyalelo. Ngethuba nje ukhetho lukanokuthi lube nexesha de liphele, ukukhethwa kwefowuni kuya kugcina inxaxheba kwimarike kwisithuba esifutshane kwaye sivumele ukuba basinde kwixesha elithintekayo ekugqibeleni libuyela kwi-downtrend. Isikhundla esifutshane kunye nomnxeba omude sifana nexesha elide elibekiwe, elinomngcipheko omkhulu.
Izinketho zefowuni zixhobo eziya kuqeshiswa ukubeka ngqo kwiimarike ukubetha ukuba ixabiso liya kuxabisa okanye ukukhusela isikhundla esifutshane esivela kwixabiso elihambelanayo lokuhamba.