Umnini wecandelo lepropati unomdla ongenakukhuseleka kuwo. Umnini uya kulahla yonke into okanye isahlulo sexabiso lepropati ukuba loo propati ibonakaliswe okanye ichithekele.
Umzekelo, uSam ukhokhela i-$ 500,000 ngemali ngempahla yokugcina esetyenziswayo kwishishini lakhe. Kwiminyaka emihlanu kamva, isakhiwo siye saxabisa i-$ 600,000. Ukuba isakhiwo sitshabalaliswa ngumlilo, uSam uza kugcina ilahleko lemali eyi-600,000. Ngaloo ndlela, isithakazelo sikaSam esinqabileyo kwisakhiwo si $ 600,000.
Umthetho weNzala
Iinshurensi yepropati isekelwe kumgaqo obizwa ngokuba ngumthetho we-interest interest . Lo mgaqo usekelwe kwingcamango yokuba umntu akanako ukufumana inkokhelo yomonakalo kwipropati ekhushulwayo xa engenayo inzala ekhuselekile kuyo xa kwenzeka umonakalo. Umgaqo wenzelwe ukukhusela uluntu oluchasene nobuqhetseba , ukunganyaniseki nokucatshulwa. Umzekelo olandelayo ubonisa ukuba kutheni oku kubalulekile.
UMthetho oYilwayo unesakhiwo soshishino esilungisa phantsi komgaqo-nkqubo wepropati . Kwiinyanga ezintandathu emva kokuthenga umgaqo-nkqubo, iBill ithengisa isakhiwo ku-Steve. UMthetho oyiYilwayo awuxeleli inkampani yakhe ye- inshorensi yokuthengisa.
Kwiiveki ezimbini kamva isakhiwo sitshabalaliswa ngqabunga. USteve uphume kweli lizwe xa umonakalo owenzeka kwaye engazi ukuba kwenzekile.
IBill ifayili ibango lexabiso lokubuyisela isakhiwo phantsi komgaqo-nkqubo wepropati. Awuyazi ukuba uBill awunomdla kwisakhiwo, umgcini-mali uya kumhlawulela ukulahleka.
UBhili uqokelele imvula esuka kwinkqubo yakhe yomshuwalense . Ufumene intlawulo yelahleko yezemali awazange ayigcine. Xa umonakalo wehlelwe, uBill wayengenomdla ongenakunqandeka kwisakhiwo.
I-inshurensi ijoliswe ukwenza i-insured "yonke" ukulahleka, kungekhona ukuzuza kuyo. Ngaloo ndlela, i-inshorensi iyahlukana nokugembula. Ukugembula kunganika inzuzo kodwa i-inshorensi ayikwazi. Ngokufuna i-insureds ukuba inomdla ongenakukhuseleka kwipropati ekhutshwe, iinkampani ze-inshorensi ziqinisekisa ukuba imigaqo-nkqubo yepropati ayikwazi ukusetyenziswa ukugembula.
Inzala yababoleki
Umboleki-mboleko unomdla ongenakunqwenela kwisakhiwo esisetyenzisiweyo njengesibophelelo semboleko. Masithi uSara ufumana imali engama-25 000 eboleka kwi-bhanki ukuthenga i-friji yezorhwebo. Ibhanki inelungelo lokuyifumana ifriji ukuba uSara wenza okungekho mboleko. Ukuba ifriji isatshatyalaliswa ngumlilo okanye enye enye ingozi, ibhanki iya kulahlekelwa yintengo yebhanki. Ibhanki inokukhusela umdla wayo wemali kwisiqandisiso ngokufuna uSara ukuba aqinisekise isixhobo ngaphantsi komgaqo-nkqubo wepropati yoshishino.
Xa umntu efumana i-mortgage esuka kwibhankini ukuthenga isakhiwo, ibhanki (i-mortgagee) inomdla ongenakunqwenela kwisakhiwo ukuya kumlinganiselo we-mortgage evelele.
Inzala yebhanki kwisakhiwo iyancipha ngokuhamba kwexesha njengoko umboleki ehlawula imali. Umthengi (i-mortgagor) unentshisekelo engaqinisekanga kwipropati ukuya kumlinganiselo wobulungisa bakhe kwipropati.
Masithi uBob uthenge isakhiwo esizigidi ezingama-1. UBob uqinisekisa ukuzakhela i-$ 1 yezigidi phantsi komgaqo-nkqubo wepropati. Emva kweminyaka emihlanu, isakhiwo sitshabalaliswa ngumlilo. Ngelo xesha lomlilo, uBob uhlawula ibhanki eyi-$ 500,000. Umshuwalense kaBob uqikelela ukuba ixabiso lezakhiwo liyi $ 1 yezigidi. Ithumela imali eyi-1 million yeebhanki kwi-bhanki. Ibhanki igcina i-$ 500,000 kwaye idlulisela intsalela kuBob.
Umlinganiselo weNzala
Imali ongayifumana ngayo ukulahlekelwa kwepropati kuxhomekeke kumdla wakho ongenakunqwenelekayo kwipropati xa kulahleka ilahleko . Ukuba umdla wakho kwipropati utshintshile ekubeni umgaqo-nkqubo ubhaliwe, umshwalima wakho uya kubala intlawulo yakho yokulahlekelwa ngokusekelwe kumdla wakho kwipropati ngexesha lokulahleka.
Umzekelo, ukuba uthengela isakhiwo oqinisekisayo phantsi komgaqo-nkqubo wepropati. Kwiinyanga ezine emva koko uthengisa isiqingatha somdla wakho kwisakhiwo kumhlobo wakho, uJim. Kwiinyanga ezimbini emva kokuthengisa isakhiwo sitshisa emhlabeni. Ufake ibango phantsi komgaqo-nkqubo wakho wepropati ufuna ukubuyiswa kwexabiso elipheleleyo le-insured yesakhiwo. Umgcini wakho womshuwalense ufumanisa ukuba unalo kuphela i-50% yesakhiwo xa kulahleka. I-insurer yakho ihlawula i-50% kuphela yexabiso lesakhiwo.
Umonakalo oPhephayo oPhezulu
Imithetho emalunga nomdla ongenakunqwenelekayo isebenza kumonakalo owenziwe ngokomzimba phantsi komgaqo-nkqubo wentengiso . Ukufumana ukufumana ukulahlekelwa okanye ukulimala kwi-auto ephantsi komhlaba phantsi kweNgcaciso, iCacified Causes of Loss, okanye ukuHlanganiswa koMbane, kufuneka ube nesithakazelo esingenakuphepha kwi-auto emelekileyo ngexesha lokulahlekelwa.