Inkokhelo yengozi yomngcipheko: inkolelo kunye nokusebenza

Xa wenza imisebenzi yezoqoqosho yangaphandle, iifemu ezininzi zinyanzeliswa ukuba zisebenze kunye neemali zemali zamanye amazwe. Esi sizathu sokuba iifemu zibonakalise ukunyuka kwexabiso lemali ethile, eguqulwa njengesiphumo semibutho yokubonelela kunye nokufuna kwayo. Ukuze bakwazi ukuzikhusela ngokuzenzekelayo kunye neenkampani zabo kwilahleko xa betshintsha izinga lokutshintshiselwa, abalawuli bamashishini basebenzisa i-inshurensi yengozi yengozi. Xa eqiniseke ingozi yemali yayo, usomashishini ulahlekelwa isabelo esithile senzuzo ekusebenziseni uqoqosho lwangaphandle, kodwa ufumana ubuthongo bokulala nokuzithemba ngekamva.
Kukho iindlela ze-inshurensi yemingcipheko yemali, njengemali yokubeka imali, ukusetyenziswa kwebhaksi yee-currenti, ukufikelela kwiinkonzo zeenkampani zomshuwalense kunye nokuqhuba imisebenzi usebenzisa izimo eziphambili. Ngalinye le ndlela zineenzuzo kunye neengxaki.
Izigatshana zemali zizinto ezizodwa zontrakthi yezoqoqosho yangaphandle apho kuthethwa ukuba imali yemvumelwano ingabuyekezwa ngokuxhomekeke kwiinguqu kwizinga lokutshintshwa kwemali apho kubalwa ukubalwa. Ininshurensi yemingcipheko yemali ngoncedo lwendawo yokubhuka ayivumeli nabani na abathathi-nxaxheba kwintengiselwano ukuba bafumane ukulahlekelwa okungalindelekanga ukusuka kwiqela elichanekileyo kwizinga lokutshintshiselana, kodwa ngeli xesha libaphuca ithuba lokuba bafumane inzuzo enkulu xa inani leshintshintsho liguquka kwicala labo elihle.
Ukusebenzisa ibhaskiti yee-currenti kuthetha ukuba ukubalwa akuyi kuba semali enye, kodwa udibaniso lweebhanki eziliqela kwimilinganiselo echazwe ngaphambili. Njengomgaqo, idibaniselwano yeemali ikhethiweyo, izinto ezizimeleyo ezinokubambisana, oko kukuthi, ukuxabiswa kwemali enye kuhambelana nokunciphisa kwinqanaba lomnye. Umzekelo ogqithiseleyo kukusetyenziswa kwedola kunye ne-euro: njengommiselo, ukwehla kwezinga leedola kuhambelana nokunyuka kwinqanaba lokutshintshiselana kwe-euro kunye nangoko. I-inshurensi yemingcipheko yemali ngokusetyenziswa kwebhaksi yeemali inganika impembelelo emihle ukuba ibhasikidi ihambelana ngokuchanekileyo, kodwa emva kokugqitywa kwekhontrakthi, umthengisi uza kufumana iindleko ezongezelelweyo zokuguqula zonke iimali, ekufuneka ziqwalaselwe xa zibeka intengo kunye nokucwangcisa inzuzo kwikhomishini yokuthengisa kwangaphandle.
Isibheno kwiinkonzo zenkanuko zisetyenziswe ngokuqhelekileyo, kodwa ngexesha elifanayo ngenye yezindlela ezininzi kakhulu zokugcina imali yakho. Njengomthetho, i-insurers ithatha iibhonasi ezinkulu kakhulu ukuba xa kwenzeka utshintsho olubukhali kwizinga lokutshintshiselana, bayakuhlawulela imali yokulahleka xa kwenzeka isiganeko esiqinisekisiwe. Kodwa i-inshurensi yemingcipheko yemali ngale ndlela ayibiza ngokungekho sikweni, nangona, ngenxa yokuthembeka kwayo, ayikho enye into eyaziwayo kunezinye iindlela zomshuwalense.
Ukuqhuba intsebenziswano usebenzisa amagama angaphambili kukuphela kweemvumelwano zokuthengwa kwemali ethile kwixesha elizayo (ngokuqhelekileyo iinyanga ezintandathu okanye emva koko) ngesilinganiso esicwangcisiweyo ngomhla wekhontraki. Le ndlela ayikho yinshurensi yemingcipheko yemali, kodwa i-lottery ethile, ngenxa yokuba ingaziwa kwangaphambili indlela yokutshintshisana ngayo iya kugungqiswa , kwaye mhlawumbi kokubili ukugcina imali yakho nokukunciphisa inzuzo. Ngaloo ndlela, ukuhanjiswa phambili, nangona kusetyenziswa ngokuqhelekileyo, kunokuba yindlela yokuzimela yokufumana inzuzo, kunokuba i-inshurensi ithinte ukuguqulwa kwamanani.

Ukongeza kwi- inshorensi yobungozi bentengiso , kufuneka uqwalasele ngolu hlobo njengengeniso yomshuwalense wengozi yemali xa umthengi akakwazi ukuhlawula ngokukhawuleza isixa esipheleleyo sekhontrakthi aze abuze izitolimende zakho. Kule meko, kuya kufuneka ujikelele kwiinkonzo ezizodwa-abafakiweyo, ababandakanyeka ekuthengweni kwetyala lokubambisa kunye nesaphulelo.