Xa umnini-shishini uthengisa isakhiwo soshishino kunye nomboleki, umnini-mboleko angadinga ukuba umthengi afumane umgaqo-nkqubo wepropati oquka isigatshana esiphezulu sokuthenga imali .
Nasi umzekelo.
Umzekelo
U-Andy ungumnikazi we-A-1 Izixhobo, inkampani ethengisa izixhobo zombane. Inkampani yeAndy isanda kuthengwa igumbi elitsha kunye nemali ebolekwa yi-Lucky Lending.
Imboleko ye-A-1 etholakale kwi-Lucky Lending igcinwe yintengiso. Ngenxa yokuba igumbi lisebenza njengetyala lokubolekwa kwemali mboleko, uLucky Lending unomdla ongenakunqwenela kuyo. Ukukhusela umdlalo kaLucky, isivumelwano somboleko sifuna i-A-1 ukuba iqinisekise indawo yokugcina umonakalo ngomlilo kunye nezinye izingozi phantsi komgaqo-nkqubo wepropati. Isivumelwano sichaza ukuba umgaqo-nkqubo kufuneka udibanise isigatshana esiphezulu sokuthenga imali.
Umhlathi oMgangatho
Kwiminyaka edlulileyo, abatshutshisi ababhala iinshurensi yepropati bafuneka ukuba basebenzise ifomu yepolisi ebizwa ngokuba ngu-1943 iNew York Standard Fire Policy. Olu hlobo luqulethe igatya elinesihloko esithi Mortgagee, elibhekiselele kumalungelo aboboleki. Eli gatya lisetyenziswe njengesiqendu esiphezulu sokubambisa imali .
Ngamhla, ifom yeNew York ayinakudla ngokusetyenziswa, kwaye umgaqo-nkqubo wepropati we- ISO uthathwa njengomgangatho woshishino. Ifom ye-ISO idibanisa imali yokubolekwa kwempahla kwisigatshana esinesihloko esithi "Mortgageholders". Eli gatya lisebenza ngoku njengesiqendu somthetho. Kubonakala kwiipolisi ezininzi zepropati eziqulunqwe ngabatshutshisi ngabanye.
Inzala
Isigatshana se-ISO sokubambisa sisebenza kumnini-mboleko ogqityiweyo ekuthethwa ngaye. Umboleki-mboleko uhlanganiswe ukulahleka okanye umonakalo kwisakhiwo okanye kwisakhiwo esisebenza njengetyala lomboleko.
Ukuba ngababolekisi abaninzi bebhaliwe kumgaqo-nkqubo, bajongwa ngokulandelelana. Ngokomzekelo, cinga ukuba umnini-mgaqo-nkqubo uthenge isakhiwo kunye namabhondi amabili (yokuqala kunye nesibini). Ukuba isakhiwo sitshisa, umnini-mboleko odweliswe kwi-mortgage yokuqala uya kuhlawulwa. Emva kokuba umnini-mboleko wokuqala ahlawulwe, umboleki-mboleko kwi-mortgage yesibini uya kufumana intlawulo.
Isigatshana sokubolekwa kwemali sithi ababolekisi baya kufumana intlawulo "njengoko iimfuno zabo zingavela." Oku kuthetha ukuba isixa-mali ngasinye esiza kufumana siya kuxhomekeka kumlinganiselo womonakalo kwisakhiwo esiqinisekisiwe kunye ne-balance balance (nonqununu) kunye nomdla). Umzekelo, umlilo utshabalalisa i-A-1 yokugcina impahla. Ngethuba lomlilo, u-A-1 uhlawula i-Lucky Ukuboleka imali engama-750,000 kwi-nqununu kunye nomdla okwenziweyo. I-Lucky Lending ifumana intlawulo ye-inshurensi ye-$ 750,000, inzala yayo kwipropati.
Imali umgcini-mali uya kuhlawula ilahleko iphantsi komda kumgaqo-nkqubo. Ngokomzekelo, ukuba i-A-1 yokugcina i-inshorensi i-$ 1.5 yezigidi, i-inshurensi ayiyi kuhlawula imali engaphezu kwama-1.5 yezigidi kuwo wonke amaqela ahlanganisiweyo (A-1 Appliances kunye nabo bonke ababolekisi).
Kwamanye amazwe, ababolekisi baqinisekisa ukubolekisa ngemali mboleko ngeentsebenzo zethemba kunokuba zihlawulwe. Ngenxa yalesi sizathu, i-termhold mortgage holder kwisigatshana esiphezulu sokuthenga imali iquka umphathiswa.
Ukuchithwa
Ilungelo lokubolekisa ilungelo lokubuyisela ilahleko phantsi komgaqo-nkqubo wepropati ayichaphazelekayo nayiphi na inyathelo yokuqhawula umthengi oqalise kumnini wepropati ngaphambi kokulahleka. Ngokomzekelo, cinga ukuba ii-A-1 Izixhobo zihluleka ukwenza iintlawulo ezininzi zokuthenga imali, ngoko ke uLucky Lending ubeka isaziso sokungagqibekanga. Ngenyanga enye emva kokuba isaziso sikhutshwe, igumbi litshatyalaliswa ngumlilo. Isaziso esingagqibekanga asiyi kuthintela ilungelo likaLucky lokufumana intlawulo yelahleko phantsi komgaqo-nkqubo.
Imithetho yoMnini-nkqubo
Umboleki-mali unelungelo lokufumana ukulahleka phantsi komgaqo-nkqubo nokuba ngaba umnini-mgaqo-mthetho uthintele imeko yontraki ye-inshurensi.
Ngokomzekelo, cinga ukuba i-A-1 ye-Appliances 'yokugcina impahla isatshatyalaliswa ngumlilo. I-1 ifayili ibango kunye ne- inshurensi yepropati yomonakalo kwisakhiwo kunye neziqulatho zayo. Nangona kunjalo, u-A-1 wenqaba ukuvumela i- adjuster kwipropati ukuba ihlole umonakalo. Umshuwalense ekugqibeleni uyaphika ibango le-A-1 kuba i-A-1 ayiphumelelanga ukuthobela imeko yomgaqo - nkqubo .
Ukulungiswa kweLucky ilungelo lokubuyisela phantsi komgaqo-nkqubo akuyi kuphazamiseka kwizenzo ze-A-1 nje kuphela xa umboleki ezalisekisa iimeko ezithile. Umboleki kufuneka:
- Ukuhlawula nayiphina i-premium ephumayo ngenxa yokuba umnini-mgaqo-nkqubo uhlulekile ukuhlawula
- Hambisa ubungqina belahleko (ukuba umnini-mgaqo-nkqubo ungakwenzi njalo) zingadlulanga iintsuku ezingama-60 emva kokufumana isaziso sokuba ubungqina belahleko bubangelwe
- Yazisa umgcini-mali ukuba umboleki-mali uyazi nayiphi na utshintsho kubunini bendawo okanye kwindawo yokuhlala, okanye ukuba umngcipheko ushintshile kakhulu
Xa umbolekisi sele egqibile zonke ezi nyathelo, ufanelekile ukufumana intlawulo yelahleko phantsi komgaqo-propati ye-A-1.
Ukutshintshwa kwamalungelo
Isigatshana se-ISO se-Mortgagersers siqulethe ukunikezelwa kwesigxina . Ithi ukuba umgcini-mali uya kuhlawula umvuzo kumntu obolekayo kodwa uyalahla ukuhlawulwa kumntu okhuselekile, amalungelo okubolekisa atyunjelwe ku-inshurensi kumlinganiselo wenani lokuhlawula. Kwimimiselo yangaphambili, i-A-1 Izixhobo zavunywa inkokhelo phantsi komgaqo-nkqubo ngenxa yokuba ayiphumelelanga ukuthobela imiqathango yenkontileka yomshuwalense. Masithi i-Lucky Lending ifumane i-inshorensi yokuhlawula i-$ 700,000 ngenzuzo yayo kwintengiso ewonakalisiweyo. Umlilo wabangelwa yintsilelo kwindawo yombane ogcinwe kwisakhiwo. Ukuba uLucky Lending ayengayifumana imbuyekezo yomonakalo, umnini-mboleko unokumangalela umenzi wommiselo ngomonakalo wepropati .
I-inshurensi yepropati ye-A-1 iye yahlawula i-Lucky Lending yokulahleka. Ngaloo ndlela, umnini-mboleko unelungelo lokumangalela umenzi wempindiselo idluliselwa kwi-insurer. Umshuwalense ngoku unelungelo lokumangalela umenzi ukubuyisela i-$ 700,000 ehlawulwe kwiLucky Lending.
Umshuwalense angakhetha ukuhlawula umboleki-mali oyintloko kwinani lemali kunye neyiphi na inzala. Ukuba kukho nayiphi na amatyala, umnini-mgaqo-nkqubo kufuneka ahlawule loo mali kwi-insurer.
Ukukhanselwa nokungahlaziywa
Ngaphantsi kwesigatshana somboleko, umshwalense kufuneka azise umnikazi wempesheni ngokubhaliweyo ukuba umgcini-mali uyawususa umgaqo-nkqubo okanye uyala ukuwuhlaziya . Ukuba isiqinisekiso sihlulekile ukuhlawula i-premium, umshishina-mali kufuneka axelele umboleki-ntsuku ezili-10 kwangaphambili ngaphambi kokukhansela umgaqo-nkqubo. Ukuba i-inshurensi igxotha ipolisi nganoma yisiphi isizathu ngaphandle kokungahlawulwa kwe-premium, kufuneka inikezele isaziso seminyaka engama-30 kumthengisi. Ukuba umgcini-mali uya kugqiba ukungahlaziyi umgaqo-nkqubo, kufuneka unikezele isaziso somhlawuli weentsuku ezilishumi.
Le miqathango yokukhansela inga guqulwa ngumthetho kaRhulumente. Ngokomzekelo, amanye amazwe afuna abaqinisekisi ukuba baxelele umboleki-mali ubuncinane iintsuku ezingama-45 kwangaphambili ukuba umgaqo-nkqubo ukhutshwe naliphi na isizathu ngaphandle kokungahlawulwanga kwe-premium.