Ngubani ohlawula imali xa ukufa umboleki: ngumthetho, imigaqo yembuyekezo kunye neziphakamiso

Ukufa komntu close - oko kusoloko yintlekele. Kodwa maxa wambi kubangela imiba ezingemnandi ngakumbi enokuthanani ngemali. Kwaye akukho, hayi sithetha ilifa, kodwa credits thina. Kule mihla, abantu abaninzi basebenzisa iinkonzo yeebhanki - yenza Uboleke-mboleko. Kodwa ngubani uhlawula imali xa ukufa mboleki? Kaloku, lo mbuzo impendulo.

Ngubani onoxanduva?

Lo mxholo ngenene nzima. Impendulo umbuzo owahlawula mboleko xa ukufa umboleki kuxhomekeke ubunzima bokuqonda. Kwaye kufuneka ukuba kuluhlu.

Ngoko ke, lo mzekelo ixhaphakileyo - ityala ilifa. Masithi wafa nendoda endala, yena wazala unyana, waza ukudlulisela kuye imali kunye nempahla yabo. Kodwa kunye nalo umntu esiya ityala umzali wakhe. Yintoni ukwenza ntoni?

Okokuqala - ukuba alinde de ilifa liya kuqalisa ukusebenza. Oku kwenzeka kwisithuba seenyanga ezi-6 emva kokufa. Ngeli xesha, iindlalifa zahlule impahla namatyala womfi. Ukuba uyavuma ukuba ahlawule imali mboleko ngomoya omhle, ngoko kukho nokuhlaziywa ngokwesivumelwano setyala. Nangona uninzi ibhanki akayi balinde ekupheleni kweenyanga ezi-6 kwaye iqalisa ukuba bafune intlawulo ngoko nangoko. Kodwa! Kuyo nayiphi na imeko, indlalifa uhlawula amatyala enxulumene ngokungqinelana isixa kwempahla abasamkelayo. Ukuba, uthi, wavuka 300,000 engange, kwaye umfi unetyala ebhankini kwesigidi, oko akanyanzelekanga ukuba anike imali ukuze ahlawule.

Nge isibambiso

Yiloo nto yonke kukho ukwazi owahlawula mboleko xa kukufa mboleki. Kufuneka wenze ntoni xa mboleko sikhutshwe ibheyile bafumana indawo uswelekile? Apartments, umzekelo, okanye imoto? Kulo mzekelo, indlalifa ufumana ngummeli wowona kunye nelungelo ukulahla ngayo ngokuthanda. A okufana bobabini. Kwaye yiloo nto zezi:

• Ukuze uhlawule ityala eseleyo. Sebenzisa i imoto wathenga okanye uhlala kwigumbi ilifa kuthelekiswa mortgage ebhalisiweyo.
• Ukuthengisa ngummeli wowona ulungileyo. Ngoko ke uya kukwazi ukubulala iintaka ezimbini ngelitye elinye - duty ukuvala kwaye chola i "inzuzo".

Hi ndlela leyi, kukho iimeko, xa kuvela ukuthi impahla oswelekileyo, kwaye ulondolozo ahonjiswe ngomhla lowo akukabikho omdala. Ngubani ohlawula imali xa ukufa mboleki, kule meko? Abazali okanye abagcini umntwana. Kodwa ngoxa ibhanki kuthathela ingqalelo zonke amanyathelo omthetho. Ekubeni kubalulekile ukuba akukho babephikisana kunye namalungelo abantwana.

Kwimeko-mboleko insured

Oku - imeko okhethekileyo. Ukuba mboleko, eyenzelwe ukukhanya wawushiya lo mntu inshorensi, ukuba ahlawule kuya kuba lula ngakumbi kwezinye iimeko. Kutheni? Kwaye ngenxa yokuba iya kusingatha inkampani, mboleko-inshorensi. Noko ke, nalapha kukho iingozi.

Akukho namnye ofuna ukuba ahlukane imali yawo, ingakumbi iinkampani ze-inshorensi, kwaye kukho amathuba omkhulu ukusilela. Ukufa Inkampani unetyala i nje awukwazi ukwamkela imeko insurance! Oku kwenzeka kwiimeko apho wafela umntu:

• Xa imfazwe okanye usentolongweni / koloni.
• Ngexesha iklasi lwemidlalo kakhulu (diving okanye skydiving).
• Ngenxa ukosuleleka radiation okanye uhlobo isifo neegcushuwa.

Ukuba ityala ayingqinelani nto kungasentla, i-inshorensi engafuni ukuhlawula ityala, kungenzeka libhekisela kwinto yokuba umntu ushiye eli hlabathi ngenxa yesifo esinganyangekiyo. Ukuba, uthi, wafa ngenxa eziyityhefu utywala, i-arhente abasakwazi unako bathi oku kubangelwa isibindi mpilweni. Nditshaye lukhulu? into ke ziya kubhalwa phaya yesifo sentliziyo naso. Kodwa ke ukwenza iinkampani ngokuqhelekileyo bonakele. Abo babucala ezo abahlala imigca wokuqala amanqaku ukuthembeka, ukuba ezinyanisekileyo.

sinzima

Yaye kuthekani ukuba buyisela-mboleko kwimeko ukufa, ukuba akazange-inshorensi? Oku - le meko efanayo, leyo echazwe ekuqaleni. Debt ilifa. Kodwa sihlandlo ezikhethekileyo - lowo apho xa usenza abantu mboleko ecela uncedo waba ngummeli wowona ulungileyo. Le - livolontiya, ngokuqhelekileyo ziqukwe isangqa labahlobo abasondeleleneyo, usisiqinisekiso solvency nguye. Asingabo bonke uyavuma ukwenza indima yakhe, ngokungathi kumntu into eyenzekayo, ityala liza kuwa phezu emagxeni waba ngummeli wowona ulungileyo. Ke kuya kufuneka ukuba unike kuphela amatyala kwibhanki, kodwa nayo yonke inzala efunekayo yaye iindleko ezichithiweyo umbolekisi ukutsala iziqinisekiso liability.

Imbuyekezo for waba ngummeli wowona

Kwaye ke kukho bokuqonda. Umzekelo, imali-mboleko Yenza umntu omdala kakhulu abantwana zokusebenza - ziindlalifa. Kodwa ke umhlobo osenyongweni waba ngummeli wowona ulungileyo. Sithini na ke ngoko? Kulo mzekelo, ityala kufuneka ahlawule ziindlalifa. Kodwa ke ukuba bathe babonakalisa abanganyanisekanga, bayakwazi ngoyaba ngokulula. Kwaye ngoko "ukuhlawula amatyala" kufuneka nakumqinisekisi. Kodwa! Yena unelungelo lokufuna ukuba abonakele iindlalifa umonakalo ngokupheleleyo, kwiinkundla sakujika. Noko ke, kuphela emva kwentlawulo-mboleko.

Yintoni Kufuneka kukhunjulwe?

Kukho ezininzi kujonge izinto ezinxulumene kumbuzo ngubani oza kuhlawula imali xa kukufa mboleki. Nantsi enye: ibhanki, nangona ukufa umxhasi kwakhe kuqhubeka afumane inzala. Ukuze wenze oku, kukho isizathu. Indlalifa, ngokutsho imithetho iqala ukuphendula ukuba amatyala womfi ukususela ngomhla walishiya eli hlabathi. Sekunjalo, izityholo ezithile, izohlwayo kunye nezohlwayo ukuba umngeni nengekhoyo. Nangona kunjalo, kubalulekile ukuba uye enkundleni ngenxa yoko. Kodwa ngokuqhelekileyo, ukuba obolekayo ukuhlawula amatyala rhoqo yaye wazibonakalisa ukuba ngomoya omhle, ibhanki iqwalasela njengokuba isizathu esivakalayo kweentlawulo emva kwexesha kwaye nangenxa unobangela wokufa iya kurhoxiswa.

izenzo

Noko ke, ukuqinisa ayide ikufanele. Ngubani oya kuhlawula imali xa ukufa mboleki njengoko kungekho indlalifa? Akunjalo, kuba oko kuyimfuneko ukuqokelela iingcamango zakhe uze ulandele le miyalelo:

• Okokuqala ufumane isiqinisekiso sokufa.
• Emva koko - qhagamshelana ibhanki ukuba anikezele ingxelo ngoko. Kungcono ukuza e-ofisini, yaye kwaoko isiqinisekiso sokufa.
• Ke wena hamba uye izivumelwano. Kukho itsalelwa kwaye kuqinisekiswe ingxelo yamkelwe ilifa.
• Inqanaba elilandelayo - a kokulinda iinyanga ezintandathu. Njengoko sele kukhankanyiwe, emva kweenyanga ezi-6, umntu engena amalungelo yindlalifa.
• Emva koko kufuneka wenze imbuyekezo yerhafu ukuze ahlawule isixa esithile ilifa.
• Emva koko, abantu kufuneka ubuyele ibhanki ukuze bahlaziye isivumelwano semali-mboleko kwaye liqhubeke kuhlawulwe amatyala.

Njengoko ubona, akukho nto ezintsonkothileyo, ngoko ke thabatha isigqibo yale miba inqweneleka ngokukhawuleza kangangoko kunokwenzeka. I-mboleko kunye nokufa yomboleki - kukho ingxaki enkulu kwenkulu inkathazo, kodwa abantu kungekudala baqalisa izenzo ngentla, ngcono.

Indlela yokuphepha uxanduva?

Iingcebiso ingentla ukunceda abantu abachatshazelwa yi imiba kuxoxwe. Kodwa ufuna ukuhlawula imali xa ukufa mboleki nokuba? "Mhlawumbi ngenxa yokuba thile uphephe oku?" - ngoko abantu abaninzi abayicelayo. Kaloku, eneneni unako. Ukuza kuthi ga ngoku, indlalifa ukudela yonke impahla leyo ezabiwa. Kwiinyanga ezintandathu.

Phambi kokuba ugqibe ukuba ukuthatha eli nyathelo, kuyimfuneko ukuba bacinge yabo bonke, kuba ligatya mabanikele okanye utshintsho akayi ziya kubuyiswa. A umntwana, ngasendleleni, ingalukhaba ilifa kuphela xa efumene formal abasemagunyeni ukugada imvume.

Kuthekani ukuba uthe wafa, washiya oku kukhanya umboleki iziqinisekiso ngayo? Oku, nangona kunjalo, ezinqabileyo kakhulu. Kwiimeko ezinjalo, ityala ayikho kutshintshelwa kwamanye ziindlalifa kunye nakwabo basenyongweni. Kwenzeka ntoni mboleko xa ukufa mboleki kunye nentsebenziswano somtyikityi? Le ulawulo ibhanki kufuneka Ungakhathazeki - mhlawumbi, baya kukhangela abamlandelayo.

sozaomschikov ulwazi

Ngoku ke mboleko uya kukhutshwa kunye nomnye umntu. Isihlobo sakhe, Kakade ke, okanye i "kwisiqingatha sesibini" esemthethweni. Ke la madoda mabini agqiba kwelokuba aye ebhankini semali-mboleko, abe sozaomschikami. Kodwa ukuba kwenzeka kangangokuba omnye wafa, ngubani na oya kuhlawula?

Ukuhlawula imali xa ukufa mboleki kusafuneka. Kukho ezintathu. Kwaye yiloo nto zezi:

• Sozaomschik wathumela ebhankini kunye isiqinisekiso sokufa sivuse nesivumelwano semali-mboleko. Ngenxa yoko, onke amatyala kuwa phezu kwamagxa akhe.
• Umntu umntu onokukunceda naye iintlawulo. Oko kukuthi, ukuba abe sozaomschikom lakhe elitsha. Noko ke, yena kunye nengeniso yakhe kufuneka ihlangabezane neemfuno ebhankini.
• Sozaomschik ugqiba ukuba bayeke isiqingatha ityala ephethwe yi lo mntu ubhubhileyo, kwaye ithe gqolo ukunika nje inxalenye "zabo".

Ityala yokugqibela ngokhethekileyo. Umzekelo, ukuba ithagethi sozaomschiki wakhupha imali-mboleko ukuthenga indlu, ibhanki iya kuthengisa impahla. Uqhubeka ukuhlawula amatyala azo iyonke. Kodwa inxalenye ngaphambili ihlawulwe sozaomschik, ngubani na ubomi, uya kunikwa.

kwephulwa

Abanye abantu ndafumana ilifa nje kuphela, kodwa ityala kwi-mboleko, isigqibo sokuba 'outsmart "ebhankini. Bona musa ukuyishiya indawo bazo, kodwa musa ukwenza nantoni na apha ngasentla, ukuba bahlaziye isivumelwano semali-mboleko. Kulo mzekelo, ibhanki uba inkonzo executive. Kwaye ngoko ke, indlalifa, bachitha imali yabo kwiintlawulo tyala, kuya kufuneka uphendule phambi kwenkundla bawonakalisile ukuba uhlawule kuphela mboleko kunye nenzala, kodwa imbuyiselo ngezo ndleko zemali yebhanki leyo. Kungenjalo kukho umngcipheko yokulahleka propati. Ibhanki nje nga wathengisa ngayo ukuba ukubuyisa imali yabo.

Noko ke, ukuba umboleki-mali akazange wathi ngokwayo zingaphelanga iinyanga ezintandathu emva kokufa zabathengi, imali-mboleko imisiwe. Oku kuyimfuneko ukuba ukukhumbula.