Ungayikhetha njani i-Inshurensi yokuLahleka kweMisebenzi yeMali eyomeleleyo yekamva | 2024 Iyatyhila

Ngaba ukhe wacinga ngefuthe lokungaqeshwa ngesiquphe kuzinzo lwakho lwezemali? Kwaye wakha wazibuza ukuba ungayigcina njani imali yakho ikhuselekile? I-inshorensi yokulahlekelwa ngumsebenzi ilikhaka ngokuchasene nezaqhwithi zemisebenzi ezingalindelekanga: ngaphezu komnatha wokhuseleko olulula-sisixhobo sobuchule sokuxhobisa ngemali.

Kweli nqaku, sijonga i-inshurensi yokungafuneki, sijonge ubucukubhede bayo, izibonelelo, kunye nemibuzo ephambili enokukukhokela ekuqinisekiseni ikamva eliqinileyo lezemali. Makhe singene kwihlabathi le i-inshurensi yokulahlekelwa ngumsebenzi kwaye ufumane iimpendulo obuzifuna.

Isiqulatho:

• Yintoni i-Inshurensi yokuLahleka kweMisebenzi?
• Iintlobo ze-Inshurensi yokuLahleka kweMisebenzi kunye nezinto eziluncedo zazo
  • I-Inshurensi yokungaphangeli (UI)
  • I-Inshurensi yoLahleko lweMisebenzi yaBucala
  • I-inshurensi yokuKhusela iNgeniso
  • I-Inshurensi yoKhuseleko lweNtlawulo yokubolekwa kwezindlu (MPPI)
  • I-inshurensi yokugula
• IItrakthi ezibalulekileyo
• Imibuzo ebuzwa qho

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Yintoni i-Inshurensi yokuLahleka kweMisebenzi?

I-inshorensi yokulahlekelwa ngumsebenzi, ekwabizwa ngokuba yi-inshurensi yokungaphangeli okanye ukhuselo lomvuzo, isebenza njengenethi yokhuseleko lwezemali eyilwe ngobuchule ukuthomalalisa iziphumo zoqoqosho zokulahleka kwemisebenzi ngokuzenzekelayo. Isebenza njengokhuselo lwemali, le inshorensi iqinisekisa inkxaso yemali esele imiselwe kubantu abagxothwayo emsebenzini. 

Izahlula kwi-inshurensi yokukhubazeka yexesha elide, i-inshurensi yokulahleka kwemisebenzi ibonelela ngonyango lwexeshana elifutshane oluyilelwe ukunceda abantu ngexesha leenguqu phakathi kwemisebenzi. Eyona njongo yayo iphambili kukuhlawula iindleko ezibalulekileyo ade umnini-polisi awufumane ngempumelelo umsebenzi omtsha.

Iintlobo ze-Inshurensi yokuLahleka kweMisebenzi kunye nezinto eziluncedo zazo

Ukuqonda izibonelelo zeinshorensi ezintlanu ezahlukeneyo zokuphulukana nomsebenzi kuxhobisa abantu ukuba benze izigqibo ezilungelelanisiweyo ezilungele iimeko zabo ezizodwa. Uvavanyo olucokisekileyo lweenkcukacha zomgaqo-nkqubo, imimiselo, kunye neemeko zibalulekile. Ukubonisana nababoneleli be-inshorensi kuqinisekisa ngakumbi ukuqonda okucacileyo kokukhetha i-inshurensi yokulahleka kwemisebenzi ehambelana neenjongo zemali. Ngaphezu koko, kudla ngokuba yimalini ukufumana i-inshurensi yokulahlekelwa ngumsebenzi? Fumana leyo ihlangabezana neemfuno zakho kwaye ugcine ibhajethi yakho.

I-Inshurensi yokungaphangeli (UI)

Eli phulo lixhaswa ngurhulumente libonelela ngoncedo lwemali kubantu abajongene nokuphelelwa ngumsebenzi ngaphandle kwempazamo yabo.

inzuzo:

• Inkxaso yezeMali: I-inshurensi yokulahlekelwa ngumsebenzi, ngokukodwa i-UI, inika uncedo lwezemali olubalulekileyo ngokubuyisela inxalenye yomvuzo wangaphambili womntu ngexesha lokulahlekelwa ngumsebenzi ngokuzithandela.
• Uncedo Lokukhangela Umsebenzi: Iinkqubo ezininzi ze-UI zandisa izixhobo kunye nenkxaso ukunceda abantu ekufumaneni umsebenzi omtsha, ukuququzelela inguqu egudileyo.

ixabiso: Iindleko ze-UI zidla ngokuhlawulwa ngabaqeshi ngeerhafu zomvuzo, kwaye abasebenzi abafaki galelo ngokuthe ngqo kwizibonelelo eziqhelekileyo zokungaphangeli.

I-Inshurensi yoLahleko lweMisebenzi yaBucala

Inikezelwa ziinkampani zabucala ze-inshorensi, le migaqo-nkqubo ihambelana ne-inshurensi yokungaphangeli exhaswa ngurhulumente.

inzuzo:

• I-Inshorensi elungiselelweyo: I-inshurensi yokulahlekelwa ngumsebenzi wabucala ivumela uhlengahlengiso, ivumela abantu ukuba balungelelanise ukhuseleko kwiimfuno zabo ezithile, kubandakanya iipesenti zembuyekezo eziphezulu kunye namaxesha okhuseleko awandisiweyo.
• Ukhuseleko oloNgezelelweyo: Isebenza njengomaleko owongezelelweyo, i-inshurensi yokulahlekelwa ngumsebenzi wabucala ibonelela ngokhuseleko lwezemali olongezelelweyo ngaphandle kweenkqubo zikarhulumente.

ixabiso: Iintlawulo zenyanga ze-inshurensi yokulahlekelwa ngumsebenzi wabucala zinokwahluka ngokubanzi, ukusuka kwii-$40 ukuya kwii-$120 okanye ngaphezulu. Elona xabiso lixhomekeke kwimiba enje ngobudala, umsebenzi, kunye nokhetho lokhuseleko olukhethiweyo.

I-inshurensi yokuKhusela iNgeniso

Le inshorensi yandisa i-inshorensi ngaphaya kokulahlekelwa ngumsebenzi, equka iimeko ezahlukeneyo ezikhokelela kwilahleko yomvuzo, njengokugula okanye ukukhubazeka.

benefits:

• Umnatha woKhuseleko oluBanzi: I-inshorensi yokulahlekelwa ngumsebenzi, ngokukodwa ukhuseleko lomvuzo, ibandakanya uthotho lweemeko, kuquka ukulahlekelwa ngumsebenzi, ukugula, nokukhubazeka, ukuseka umnatha obanzi wokhuseleko lwezemali.
• Ukusingathwa kweNgeniso eZinzileyo: Iqinisekisa indlela yengeniso engaguqukiyo ngexesha lokhuselo, ibonelela ngenkxaso ebalulekileyo kubantu abajongana nokungaqiniseki kwezemali.

ixabiso: Iindleko ze-inshurensi yokukhusela ingeniso idla ngokubalwa njengepesenti yomvuzo wonyaka womntu, ngokuqhelekileyo ukusuka kwi-1.5% ukuya kwi-4%. Ngokomzekelo, ngengeniso yonyaka yee-$70,000, iindleko zinokuba phakathi kwe-$1,050 ukuya kwi-$2,800 ngonyaka.

I-Inshurensi yoKhuseleko lweNtlawulo yokubolekwa kwezindlu (MPPI)

I-MPPI ithatha amanyathelo okuhlawula intlawulo yendlu-mboleko kwiimeko ezifana nokulahlekelwa ngumsebenzi okanye ezinye iimeko ezichaphazela ukukwazi ukuhlangabezana nezibophelelo zokubambisa.

inzuzo:

• I-Inshurensi yeNtlawulo ye-Mortgage: I-inshurensi yokulahlekelwa ngumsebenzi, ngakumbi i-MPPI, ikhusela abanini-zindlu ngokugubungela iintlawulo zezindlu zokuhlala ngexesha lokungaqeshwa, ithintela ukungazinzi kwezindlu okunokwenzeka.
• Ukhuseleko lwezeMali: Ukubonelela ngoluhlu olongezelelweyo lokhuseleko lwezemali, iMPPI iqinisekisa ukuba abanini bezindlu banokugcina iindawo zabo zokuhlala phakathi kokulahlekelwa yimisebenzi engalindelekanga.

ixabiso: Iindleko zeMPPI ngokuqhelekileyo zichongwa njengepesenti yemali yokuboleka imali, ngokuqhelekileyo ukusuka kwi-0.2% ukuya kwi-0.4%. Kwimali-mboleko ye-$ 250,000, iindleko zonyaka zinokuqala ukusuka kwi-$ 500 ukuya kwi-$ 1,000.

I-inshurensi yokugula

Ngelixa ingadityaniswanga ngokuthe ngqo nokulahlekelwa ngumsebenzi, i-inshurensi yokugula okubalulekileyo inikezela ngentlawulo ye-lumpsum xa kufunyaniswe isigulo esithile esibalulekileyo.

inzuzo:

• INkxaso yeLumpSum: Yandisa intlawulo eninzi ekuxilongweni, inika inkxaso yemali ebalulekileyo kwiindleko zonyango kunye nohlengahlengiso lwendlela yokuphila.
• Usetyenziso oluNxulumeneyo: Ukuba bhetyebhetye kwenkxaso-mali kuxhobisa abanini-migaqo-nkqubo ukuba bahlangabezane neemfuno ezithile ezisuka kwisigulo esiyingozi, ukunika isiqabu ngokwasezimalini nangokweemvakalelo.

ixabiso: Iintlawulo zenyanga ze-inshurensi yokugula okubalulekileyo ziyahluka ngokusekelwe kwizinto ezifana neminyaka kunye nempilo. Ngokwe-avareji, banokuqala ukusuka kwi-25 yeedola ukuya kwi-120 yeedola. Kumntu osempilweni okwiminyaka yakhe yama-40, umgaqo-nkqubo obonelela ngesibonelelo semali esisixa seedola ezingama-70,000 unokubiza phakathi kwe-$40 ukuya kwi-$80 ngenyanga.

Funda ngokugqithisileyo:

• Ukuyeka Ukuyeka -Yintoni, Kutheni, kunye neendlela zokujongana nayo ngo-2024
• Into Omawuyithethe Xa Uyeka Umsebenzi

IItrakthi ezibalulekileyo

Ukushwankathela, i-inshorensi yokulahlekelwa ngumsebenzi yindlela esisiseko yokuzikhusela kwiimpembelelo zemali zokungaqeshwa okungalindelekanga. Ukuqonda izibonelelo kunye neendleko zolu khetho lwe-inshorensi kuxhobisa abantu ukuba benze ukhetho olufanelekileyo, ukumisela isimo esisebenzayo sokhuseleko lwemali. Nokuba ujongene nokulahlekelwa ngumsebenzi ngokungalindelekanga okanye ukulungiselela ukungaqiniseki okunokwenzeka, i-inshurensi yokulahlekelwa ngumsebenzi ime njengeqabane elinobuchule, ikhuthaza ukomelela kunye nokuxhotyiswa kwimeko yobungcali ehlala iguquka.

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FImibuzo ebuzwa rhoqo

1.  Uhlangabezana njani nokuphelelwa ngumsebenzi?

Xa ujongene nokulahlekelwa ngumsebenzi, sebenzisa inkxaso enikezelwa yi-inshurensi yokulahlekelwa ngumsebenzi. Qalisa inkqubo yamabango ngokukhawuleza ukuze ufumane uncedo lwemali ngexesha lotshintsho. Kwangaxeshanye, funa inkxaso yeemvakalelo kwinethiwekhi yakho ukuze ujonge ifuthe leemvakalelo zelahleko kwaye ugxile ekufumaneni amathuba amatsha.

2.  Yintoni omawuyenze ukuba wonakele kwaye awuphangeli?

Ukuba ujongene noxinzelelo lwezemali emva kokuphulukana nomsebenzi, cofa kwi-inshorensi yokuphulukana nomsebenzi ukuze ufumane isiqabu kwangoko. Yongeza oku ngoncedo lukarhulumente kunye neenzuzo zokungaphangeli. Beka phambili iindleko eziyimfuneko ngohlahlo lwabiwo-mali oluyilwe ngononophelo kwaye ujonge umsebenzi wesingxungxo okanye wokuzisebenzela ukuze ufumane ingeniso eyongezelelekileyo ngelixa usenza umsebenzi omtsha.

3.  Yintoni ongafanele uyenze emva kokuphelelwa ngumsebenzi?

Ziphephe izigqibo zemali ezityhutyhayo, kwaye ukuba zigutyungelwe, khawuleza ufake ibango le-inshurensi yokulahlekelwa ngumsebenzi ukuze ugcine uzinzo lwemali. Hlala unxibelelene nenethiwekhi yakho yobuchwephesha ngamathuba anokubakho kwaye uxhathise ukutshisa iibhulorho kunye noogxa bakho bangaphambili. Isicwangciso sobuchule kunye nobudlelwane obulungileyo ngundoqo ekujonganeni nemingeni yentswela-ngqesho.

4. Umnceda njani umxhasi ophulukene nomsebenzi?

Ukunceda abathengi ekusebenziseni i-inshurensi yokulahlekelwa ngumsebenzi ngokufanelekileyo. Bakhokele kwinkqubo yamabango, uqinisekisa uncedo lwemali kwangethuba. Ukusebenzisana kuqingqo-mali, ukudibanisa izibonelelo ze-inshorensi, kunye nokubonelela ngenkxaso yeemvakalelo. Ukubonelela ngezibonelelo zonxibelelwano, uphuhliso lwezakhono, kunye nokukhangela umsebenzi osebenzayo ukujonga imingeni yentswela-ngqesho.

Ref: Yahoo