I-inshorensi yobomi yetyala

I-inshorensi yobomi yekhredithi yipolisi ehlawula ibhalansi yemali-mboleko eseleyo yomboleki ukuba umboleki usweleka ngexesha lokuboleka. Uninzi lweepolisi lukwakhusela ukukhubazeka okusisigxina, kwaye ezininzi zikwanabela ukukhusela ukukhubazeka okwethutyana, isigulo esinzima okanye ukudendwa ngokungazithandelanga.

Ukhuseleko lu yinshorensi yobomi yexesha elinciphayo: isixa esiqinisekisiweyo silandela ibhalansi yemali-mboleko eseleyo, sihla njengoko imali-mboleko ihlawulwa. Xa imali-mboleko ihlawulwe ngokupheleleyo, ukhuseleko luyaphela.

Uphawu olwahlulayo — kunye nomthombo woninzi lwengxabano emalunga nemveliso — kukuba umbolekisi ngumxhamli. Ibango lihlawula umbolekisi ngqo endaweni yelifa lomboleki. Umbolekisi uhlawula iprimiyamu; umbolekisi ufumana imali.

Amagama anxulumeneyo aquka i-inshorensi yokukhusela ikhredithi, i-inshorensi yokukhusela imali-mboleko, i-inshorensi yombolekisi, ukukhuselwa kwemortgage kwaye, e-United Kingdom, i-inshorensi yokukhusela intlawulo (PPI).

Oko kukhuselwayo

• Ukusweleka: Umboleki usweleka ngexesha lokuboleka. Isiphumo esiqhelekileyo: Ibhalansi eseleyo ihlawulwe ngokupheleleyo.
• Ukukhubazeka okusisigxina okupheleleyo: Umboleki akakwazi ukusebenza ngokusisigxina. Isiphumo esiqhelekileyo: Ibhalansi eseleyo ihlawulwe ngokupheleleyo.
• Ukukhubazeka okwethutyana: Umboleki akakwazi ukusebenza kangangexesha elithile. Isiphumo esiqhelekileyo: Izavenge zihlawulwa inani eliqingqiweyo leenyanga.
• Isigulo esinzima: Ukufunyaniswa kwesigulo esidwelisiweyo. Isiphumo esiqhelekileyo: Ukuhlawulwa okupheleleyo okanye okwenxalenye, kuxhomekeke kwipolisi.
• Ukudendwa / ukuphelelwa ngumsebenzi ngokungazithandeli: Ukuphulukana nomsebenzi okungabangelwanga kukurhoxa okanye ukugxothwa. Isiphumo esiqhelekileyo: Izavenge zihlawulwa ngesithuba esilinganiselweyo.

Ukhuseleko lokufa lungundoqo; ezinye zizongezelelo ezahluka kakhulu ngokobubanzi, izinto ezingabandakanywayo kunye nexabiso.

Indlela eyakhiwe ngayo

Ipolisi yomntu ngamnye. Umboleki uphethe ipolisi egameni lakhe, eyabelwe umbolekisi ngalo lonke ixesha lemali-mboleko.

Iskimu yeqela. Umbolekisi uphethe ipolisi eyintloko aze abhalise ababoleki njengamalungu. Esi sesona sakhiwo sixhaphakileyo kwi-microfinance, kwi-SACCO nakwimali-mboleko yabasebenzi abahlawulwayo, kuba ulawulo lulula kwaye ukuvavanywa komngcipheko kudla ngokuzenzekela — ngokufuthi kungekho mibuzo yezonyango ngaphantsi kwesixa esiqinisekisiweyo esichaziweyo.

Izikimu zamaqela zenza ukhuseleko lufumaneke lula kubaboleki abanokufumana ubunzima ekufumaneni ukhuseleko lobomi lomntu ngamnye. Zikwadibanisa ukungqubana kwemidla, kuba umbolekisi ukhetha umshwalisi, uthethathethana ngekhomishini, kwaye alawule ibango egameni lomntu okhuselweyo.

Indlela iipremiyamu ezibizwa ngayo — nokuba zibiza malini ngokwenene

Zimbini izakhiwo eziqhelekileyo, kwaye umahluko ubalulekile.

Ipremiyamu yenyanga kwintsalela eseleyo. Ipremiyamu iyehla njengoko imali-mboleko incipha, ihambelana nokhuseleko olunciphayo. Icacile, kwaye yeyona ingabizi kwezi zimbini.

Ipremiyamu enye efakwe kwimali-mboleko. Ipremiyamu yonke ibalwa kwangaphambili, yongezwe kwisixa esiyinqununu, ize ihlawulwe kunye nenzala ngalo lonke ixesha. Kulapho iindleko zinyuka ngokungaqaphelekiyo.

Umzekelo osebenzayo. Imali-mboleko ye-$10,000 kwiinyanga ezingama-24 nge-18% ngonyaka, kunye nepremiyamu enye ye-3% yesixa semali-mboleko.

Premium = $300, added to principal → $10,300 financed

Instalment on $10,000  = $499.24
Instalment on $10,300  = $514.22
Extra paid over term   = 14.98 × 24 = $359.52

Umboleki uhlawula $359.52 ngekhuseleko lwe-$300 — ipremiyamu kunye ne-$59.52 yenzala kuyo, malunga ne-20% ngaphezulu kwexabiso lokuqala. Ipremiyamu ayiyondleko nje; yindleko efakwe kwimali-mboleko.

Indlela yesithathu ekufuneka uyilumkele: ukubiza ipremiyamu ebalwe kwisixa sokuqala semali-mboleko kulo lonke ixesha, ngelixa ukhuseleko lona luncipha kunye nentsalela. Umboleki uhlawulela isixa esiqinisekisiweyo esilinganayo aze afumane esinciphayo.

Umbuzo wexabiso

I-inshorensi yobomi yetyala itsale ingqwalasela eqhubekayo yabalawuli kwiimarike ezininzi, ngenxa yezizathu ezihlala zifana:

• Imilinganiselo ephantsi yamabango. Uphononongo olwenziwa ngabalawuli kwiindawo ezininzi lufumanise ukuba umyinge weeprimiyamu ezihlawulwa njengamabango kwiimveliso ze-credit life ungaphantsi kakhulu kunoko kuthathwa njengokufanelekileyo kwezinye iindidi ze-inshorensi — kwezinye iimeko ngomda omkhulu. Umyinge ophantsi wamabango uthetha ukuba uninzi lweprimiyamu luya kwiindleko, ikhomishini nenzuzo kunokuba luye kukhuseleko.
• Ikhomishini ephezulu. Ikhomishini ehlawulwa kumbolekisi ngokusasaza ipolisi ingaba sisabelo esikhulu seprimiyamu, nto leyo edala inkuthazo yokuthengisa ukhuseleko olubiza kakhulu kunokuba kuthengiswe olona lufanelekileyo.
• Akukho kuthelekisa. Umboleki ngokuqhelekileyo akanako ukuthelekisa iipolisi. Ukhuseleko lunikezelwa njengenxalenye yemali-mboleko, amaxesha amaninzi njengomqathango wayo.
• Isibonelelo esingahambelaniyo. Umntu ohlawulayo ayinguye umntu okhuselweyo, ubuncinane hayi ngokuthe ngqo.
• Ukuthengisa okubotshelelwe nokudityanisiweyo. Umzekelo okhankanywa kakhulu ngowase-UK we-inshorensi yokukhusela intlawulo, apho iipolisi zathengiswa kakhulu kubaboleki ababengafanelekanga ukufaka amabango phantsi kwazo, nto leyo eyakhokelela kwenye yeenkqubo ezinkulu zokulungisa izinto kubathengi ezirekhodiweyo.

Akukho nanye kwezi ethetha ukuba imveliso ayinaxabiso — jonga ngezantsi. Ithetha ukuba imveliso idinga ukubhengezwa, ulawulo lwamaxabiso kunye nokusebenza kwamabango ukuze ibe nexabiso elilingana noko kubhatalwa ngababoleki.

Apho i-credit life inceda ngokwenene

• Ithintela ityala elizuzwa njengelifa. Ngaphandle kokhuseleko, imali-mboleko engekahlawulwa iba libango kwilifa lomboleki ongasekhoyo, nto leyo enciphisa oko kudlulela kusapho lwakhe.
• Ikhusela abaqinisekisi kunye namalungu eqela. Ekubolekisaneni kweqela, ukufa okungakhuselwanga kudlulisela intsalela kwabanye abaqinisekisi — abamelwane nezalamane ngoku abanetyala lemali-mboleko yomnye umntu. I-credit life iyasusa eso siphumo ngokupheleleyo, yiyo loo nto isondele ekubeni yinto eqhelekileyo kwiindlela zokusebenza zamaqela.
• Yandisa ukufikelela. Ababolekisi banokwandisa ukubolekisa kubaboleki abadala, okanye kwabo bangenasibambiso, xa umngcipheko wokufa ukhuselwe nge-inshorensi kunokuba uthwalwe.
• Izinzisa ipotifoliyo. Ilahleko zokufa nokukhubazeka ziba yiprimiyamu eqikelelekayo kunokuba zibe yilahleko engaqhelekanga.

Imbuyekezo yokuhlawula kwangoko

Ukuba imali-mboleko ihlawulwa kwangoko — ngokuhlawula ngaphezulu, ukuthengiswa kwe-asethi exhaswa ngemali, okanye ukongezelela imali-mboleko — ixesha lokhuseleko liyafinyeza. Inxalenye engekafunyanwa yeprimiyamu enye ifanele ibuyiselwe.

Le yindawo ehlala isilela, kwaye iba mandundu kakhulu ngokongezelela imali-mboleko. Apho umboleki esongeza imali-mboleko minyaka le kwaye iprimiyamu enye entsha ihlawuliswa kwimali-mboleko entsha epheleleyo ngelixa iprimiyamu engekafunyanwa evela kwimali-mboleko ehlawulweyo ingabuyiswanga, umboleki uhlawula ngokuphindaphindiweyo ukhuseleko olugqagqeneyo. Kwimijikelo emininzi intlawulo egqithisileyo eqokelelekayo ingaba nkulu.

Amanqaku asebenzayo:

• Isiseko sokubuyiselwa imali kufuneka sichazwe ekuqaleni, ngokwengqiqo ye-actuarial efanayo nesaphulelo senzala
• Ukubuyiselwa imali kufuneka kuzenzekele ekuhlawulweni, kungabi ngokucela
• Xa kongezelelwa imali, ipremiyamu engasetyenziswanga yetyala elihlawuliweyo kufuneka ithotywe kwipremiyamu entsha.

Amabango: izinto ezingabandakanywayo kunye nenkqubo

Izinto eziqhelekileyo ezingabandakanywayo kunye nemida:

• Amaxesha okulinda phambi kokuba ukhuseleko luqale ukusebenza
• Ukungabandakanywa kweemeko ezazisele zikhona, ngokufuthi kangangexesha elithile lokuqala elimisiweyo
• Amagatya okuzibulala akhupha ngaphandle amabango kwixesha elimisiweyo ukususela ekuqaleni
• Iminyaka yobudala ephezulu yokungena nokuphelisa ukhuseleko, ehlala ibakhupha ngaphandle ababoleki abadala kukhuseleko abahlawuliselwe lona
• Ukungabandakanywa kokuncitshiswa kwemisebenzi xa kukho ukurhoxa, ukugxothwa ngesizathu, okanye ukuphela kwekhontrakthi yexesha elimisiweyo
• Isixa esiphezulu esiqinisekisiweyo sinemida, ngaphezu kwayo intsalela ingakhuselekanga

Ibango ngokuqhelekileyo lifuna ubungqina besiganeko, ingxelo yemali-mboleko, amaxwebhu omboleki kunye — xa kukhubazeko — isiqinisekiso sikagqirha. Kukho iingxaki ezimbini zesakhiwo eziphindaphindayo: ibango lidla ngokufakwa ngumbolekisi endaweni yokuba lifakwe lusapho, ngoko usapho olungaziyo ukuba ukhuseleko lukhona lungaze lufake ibango kwaphela; kwaye ixesha elimisiweyo linokuphela ngexesha lolawulo lwelifa.

Eyona nto iluncedo kakhulu usapho lwomboleki lunokuyenza kukubuza ukuba ingaba ipolisi ye-credit life ikhona, kuba ngokufuthi aluxelelwa kwaphela.

Izinto ekufuneka ziqwalaselwe ngababolekisi

• Khetha inkampani yeinshorensi ngokusebenza kwamabango, hayi ngekhomishini. Ipolisi eneendleko eziphantsi zokusasazwa kodwa ekhaba amabango yonakalisa ubudlelwane nomboleki kunye nodumo lombolekisi.
• Chaza ipremiyamu ngokwahlukileyo enzalweni nakwiintlawulo, kwaye uyifake kwixabiso elipheleleyo letyala.
• Landela kwaye uhlawule ukubuyiselwa kwepremiyamu engasetyenziswanga njengemfanelo yemali, ngakumbi kumjikelo wokongezelela imali.
• Xelela abaxhamli ukuba ukhuseleko lukhona. Ukufaka amabango kwangoko xa kuxelwe ukusweleka kuchanekile kwaye kungcono ngokubonakalayo ekubuyiseni imali kunokufuna ilifa.
• Jonga ubudala nokufaneleka ngexesha lobhaliso, ukuze kungabikho mboleki uhlawuliswa ukhuseleko angenakufaka ibango kulo.
• Vumela ukutshintshwa apho ummiselo uyifunayo — umboleki onokhuselo lobomi olwaneleyo esele enalo kufuneka akwazi ukuludlulisela kunokuba athenge ipolisi entsha.