I-inshurensi yobomi inomsebenzi we khusela iintsapho yeziphumo zoqoqosho ezinokubakho ezinokuthi ukusweleka kwakhe nawuphi na umntu ofaka ingeniso kwinucleus kuquke. Ngale ndlela, ikamva kunye nezifundo zabantwana ziqinisekiswa kwaye i-patrimony yentsapho ikhuselwe kumatyala anokwenzeka.
Ngenxa yesi sizathu, ukuthatha i-inshurensi yobomi enye yeendlela ezilungileyo zokukhusela uqoqosho lwentsapho. Nangona kunjalo, abanye abantu baziva bebhidekile kukungazi xa kunomdla ngokwenene ukuthatha enye yezi inshorensi kunye nendlela yokuyenza ukuze ufumane olona khuseleko lusebenzayo.
Njengoko luhlobo olufanelekileyo lomgaqo-nkqubo kubomi bethu kunye nabo sibathandayo, Kubalulekile ukukhetha kakuhle ixesha lokuyiqesha. Kukho amaxesha apho kunomdla kakhulu ukuthatha i-inshurensi yobomi. Okulandelayo, sikunika izitshixo ukwazi ukuba nini kwaye njani ukwenza.
Uneminyaka emingaphi ukuthenga i-inshurensi yobomi
Ixesha elide, iingcali ze-inshorensi ziye zaxoxa ngeyona minyaka ingcono yokuqesha a inshorensi yobomi. Ukukhumbula ukuba esinye sezizathu eziphambili zokutyikitya olu hlobo lomgaqo-nkqubo kukunyamekela intsapho yethu, iingcali ziye zafikelela kwisigqibo sokuba Kungcono ukuthatha i-inshorensi yobomi phakathi kwama-30 nama-50 eminyaka ubudala.
Nangona le ifolokhwe ebanzi kakhulu, kubalulekile ukuqaphela ukuba yonke into iya kuxhomekeka kwimeko yomntu ngamnye nokuba asingabo bonke abantu abakwindawo ebalulekileyo ngexesha elinye.
Ukuthenga i-inshurensi yobomi xa uqala usapho
Njengoko sibonile kwinqaku elingaphambili, kubalulekile ukuqwalasela imeko umntu azifumana ekuyo. Ezi inshorensi zenzelwe ukukhusela abantu esibathandayo, ngoko ke umzuzu apho usapho luqala khona Yimeko efanelekileyo yokuthatha i-inshurensi yobomi.
Enyanisweni, kuqikelelwa ukuba iminyaka ephakathi kwama-30 nama-50 yeyona ifanelekileyo yokuthatha i-inshorensi yobomi kuba lelona qela leminyaka abantwana bazalwa ngokufuthi.
Ukongeza, kuya kuba ngumdla ngakumbi ukuthatha i-inshurensi yobomi xa uqala usapho ukuba kuxhomekeke ngokwezoqoqosho ukuba umntu aphile. Kungakhathaliseki ukuba icandelo lentsapho libunjwa ngamalungu amabini okanye ngaphezulu, kubalulekile ukukhusela uqoqosho lwentsapho kwimpembelelo enokuba nayo ukufa komntu omele owona mthombo mkhulu wengeniso.
Nangona iyinto eqhele ukucingelwa ngayo okwangoku, kubalulekile ukuhlala uyikhumbula loo nto Iingozi, izigulo okanye iimeko ebezingalindelekanga zinokwenzeka phambi kokuba izalamane zethu zishiywe zingakhuselekanga.
Ngokufanayo, kubalulekile ukucinga malunga nokuba yimalini efunekayo kwi-inshurensi. Kule meko, iingcali zincoma ukuba imali ibe kathathu ukuya kahlanu umvuzo wakho wonyaka. Ngale ndlela, izalamane zakho ziya kuba neminyaka embalwa yomda ukuzinzisa uqoqosho lwentsapho.
Thatha i-inshurensi yobomi xa ufaka isicelo semali-mboleko
Ukuba uthenga ikhaya ngokuxhomekeke kwimali mboleko, eli iya kuba lixesha elifanelekileyo lokuqesha i-inshorensi yobomi ekhusela abantu obathandayo ekuhlawulweni kweli tyala. Ngaloo ndlela, kwimeko yokufa okanye ukukhubazeka (kuxhomekeke kwimiqathango yomgaqo-nkqubo ngamnye), intsapho yakho ayiyi kuhlawula imali yokuthenga indlu ukugcina ikhaya.
Ukubaluleka kwe-inshurensi yobomi kwiintlawulo ze-mortgage kukuba iibhanki ezininzi zibonelela ngazo kunye nemali mboleko yazo. Kwezi meko, Kubaluleke kakhulu ukuba ipolisi ihlawule i-100% yemali mboleko ukuze sithintele ukuba ityala linganwenweli kwizalamane zethu.