Ixesha lobabalo Ziyintoni?

Ngalo lonke ixesha umntu esenza isivumelwano naluphi na uhlobo lweinshurensi, enye yezinto ekufuneka ziqwalaselwe yile ixesha lenceba. Abantu abaninzi, nangona kunjalo, abanalo nofifi malunga nokuba yintoni ixesha lobabalo, elibaluleke kakhulu ukuba liqwalaselwe xa kuthengwa i-inshurensi.

Lithini ixesha lobabalo?

Ngokubanzi, ixesha loxolelo lixesha ekufuneka liphele emva kokuba i-inshurensi ekuvunyelwene ngayo iqale ukusebenza ade umntu abe nokuxhamla ekusebenziseni le nkonzo ikhontrakthi yeli gatya. Kubonakala ngathi akukho ngqiqweni kakhulu ukuthatha i-inshurensi kwaye kufuneka ulinde ixesha elithile ukusebenzisa iinkonzo zayo.

Nangona kunjalo, kwi-inshurensi ethile, enje i-inshurensi yezempilo, kuqhelekile ukuba eli gatya lexesha lobabalo lisetyenziswe kwiinkonzo ezininzi ezigutyungelweyo. Ziinshurensi yezempilo ngokubanzi Ixesha lokulinda leenyanga ezi-8 zokunikezelwa kokhathalelo. Ke ngoko, oku kuthetha ukuba ukusukela ekuqaleni kwe-inshurensi yezempilo, kude kube semva kweenyanga ezi-8 zobabalo, awungekhe ufumane unyango ngokuzala.

Ukuchaneka ngakumbi, ixesha loxolelo lixesha elibalwa ngokweenyanga ezidlulileyo ukusuka kumhla wokubhaliswa kwepolisi, apho ezinye zeziganeko ezibandakanyiweyo kumgaqo-nkqubo okhankanyiweyo azisebenzi. Eli ke lixesha lexesha ekufuneka lidlulile ukusuka kumhla wokuqalisa kwesivumelwano, ukuze i-inshurensi ikwazi ukufikelela kuzo zonke iinkonzo ezinikezelwa ngumgaqo-nkqubo wezempilo.

Njengoko sele kubonisiwe, amaxesha oxolo abalwa ngeenyanga kwaye zinokwahluka kakhulu ngokuxhomekeke kungekuphela kwinkonzo, kodwa nakwimveliso enesivumelwano. Ukongeza kwixesha lokulinda lokuhanjiswa esele kukhankanyiwe, kukwakho nexesha lokulinda leenyanga ezi-6 zovavanyo oluthile lokuqonda isifo, utyando lwabangaphandle, kunye neendlela zonyango.

Ngayiphi na imeko, kubalulekile ukuba i-inshurensi ibonisane ngokubanzi kunye neemeko ezithile zomgaqo-nkqubo weinshurensi ekuvunyelwene ngayo ukwazi ukuba ngawaphi amaxesha obabalo afakiwe kwiinshurensi yezempilo.

Yintoni injongo yamaxesha obabalo?

Esona sizathu siphambili sinento yokwenza neinshurensi efuna ukuthintela abantu ekuthengeni i-inshurensi Ukufumana ukhathalelo ngokubhekisele kwizifo ezisokolayo ngexesha lokungena komgaqo-nkqubo. Into abayifunayo kukuba i-inshurensi ikhontrakthi icinga malunga nokuza kwenzeka kwixesha elizayo, nto leyo engaziwayo.

Ikwayindlela yokusebenzisa i-inshurensi ukuze bakwazi ukufumana iintlawulo ezibavumela ukuba bahlawule iindleko abaza kuzihlawula kamva, lakuba liphelile ixesha lobabalo.

Zeziphi ii-inshurensi ezibandakanya ixesha lobabalo?

Into ebalulekileyo ekufuneka uyazi amaxesha oxolo, kukuba banokwahluka ngokuxhomekeke kwinkampani yeinshurensi. Amaxesha okulinda ahlala efakiwe kwi-inshurensi yamazinyo, i-inshurensi yobomi, i-inshurensi yezempilo, i-inshurensi yekhefu lokugula kunye neinshurensi yokufa. Kwaye nangona iimeko zinokwahluka kakhulu ukusuka kwenye i-inshurensi ukuya kwenye, ngokubanzi kwezinye iimeko la maxesha okulinda ahambelana, njengoko kunjalo ngokomzekelo nexesha lokulinda lokuhanjiswa, elihlala liphakathi kweenyanga ezili-8 ukuya kwezili-10.

Ngaba amaxesha okulinda anokuthintelwa?

Kunjalo Kubantu akukho ngqiqweni ukuba balinde ixesha elithile ukuze babenakho ukuxhamla kwiinkonzo abazenzileyo. Ukuba awufuni ukuba nala maxesha okulinda, eyona nto ixhaphakileyo kukuba kufuneka ube nembali yeinshurensi yangaphambili apho ungene kwisivumelwano sokulinganisa ofuna ukusiqesha, ukongeza kwinto yakudala ubuncinci. unyaka.

Ngapha koko, kuhlala kunjalo kwabo banqwenela njalo uthathe i-inshurensi ngaphandle kwamaxesha obabaloKuya kufuneka baphendule iphepha lemibuzo lezempilo ukungqina kwi-inshurensi ukuba abanalo naluphi na uhlobo lwezifo zangaphambili ezingamkelekanga kwi-inshurensi. Ezi ngokubanzi ziifom ezilula ukuzizalisa, kwaye zinokwenziwa kwifowuni. Kwimeko apho i-inshurensi ikhe yagula emzimbeni okanye engqondweni ngaphambili, iingxelo zonyango ziya kucelwa ukuba zivavanywe ngoogqirha beinshurensi.

Ukuba ulwazi olunikezwe kwifomu luyathandeka kwaye ezi mfuno zingasentla ziyazalisekiswa, i-inshurensi iya kuqhubeka nokuphelisa ixesha lobabalo okanye, apho kufanelekileyo, yazise i-inshurensi ukuba ingaphelisa okanye inciphise loo maxesha. Ngokuchasene noko, ukuba le fomu ayithandeki, inkampani yeinshurensi ayizukuphelisa kuphela ixesha lokulinda, kodwa kunokwenzeka ukuba bayala ukukhupha i-inshurensi.

Kubalulekile ukukhankanya ukuba phantse kuzo zonke Iifom zeinshurensi yezempilo zihlala zifakiwe, ezinenjongo yokumisela ukuba umntu ocela i-inshurensi usempilweni. Ezi fom zinyanzelekile, kwaye kufuneka ziphendulwe ngokunyaniseka okupheleleyo ukuthintela nakuphi na ukuphazamiseka kwixa elizayo. Kufuneka ithathelwe ingqalelo ukuba inkampani yeinshurensi ifuna zonke iingxelo eziyimfuneko ukumisela ukuba i-inshurensi ithetha inyani kwimeko yento eyenzekayo kamva.

Kwenzeka ntoni xa une-pathology yangaphambili?

Ukuba kunjalo, kungcono ucinge ngononophelo ukuba ngaba licebo elilungileyo na ukutshintsha i-inshurensi. Kuqhelekile ukuba Iinshurensi zongeza ukungabandakanywa ngengqondo ukuba nangona bayamkela i-inshurensi, enyanisweni abayi kugubungela nantoni na enento yokwenza nesifo ebesikhe sanaso ngaphambili. Kwimeko apho bengakhange babekele bucala kwaye onke amaxesha obabalo ayagqitywa ngokuba nenye i-inshurensi, kuya kuba lula ukuqaphela ukutshintshela kwenye i-inshurensi.

Nangona kunjalo, kubaluleke kakhulu ukuqinisekisa ukuba oku kuyakuba njalo, kuba akuba umntu etshintshe i-inshurensi, kunzima kakhulu ukufumana kwa ezo meko kwakhona. Oko kukuthi, oku kufuneka kubonakale kwiimeko ezithile zomgaqo-nkqubo kwaye xa ifunyenwe, kubalulekile ukujonga ukuba kuyavela ngokubhaliweyo ukuba amaxesha oxolelwaniso ebesele okanye eza kupheliswa.

Ukuba ayiboniswanga ngokubhaliweyo, amathuba kukuba i-inshurensi ibandakanya amaxesha obabaloKe ngoko, kubaluleke kakhulu ukuba kuqinisekiswe ukuba imeko ngokubanzi ayiwabandakanyi la maxesha obabalo.

Ngaba kunokuxoxwa ngamathuba exesha?

Le yenye yezona zinto zithandabuzekayo xa kufikwa kumaxesha obabalo. Ngale ndlela, kubalulekile ukukhankanya ukuba xa ipolisi ye-inshurensi inabaninimigaqo-nkqubo abaninzi, i-inshurensi inokuthi ithathele ingqalelo ukuxoxa ngamaxesha exesha. Into abaya kuyenza kukugqiba ukuba kuyinzuzo kangakanani ukuba inkampani iqinisekise bonke abo bantu ngayo yonke imiqathango ukuba inye kuphela i-inshurensi engazifezekisiyo iimfuno.

Emva koko, Iinshurensi zisebenza phantsi kwemigaqo yayo nayiphi na inkampani, kungoko isiza kumcimbi wokulungela. Kuyinyani ukuba ayizizo zonke iinkampani zeinshurensi ezikulungeleyo ukuxoxa ngamathuba oxolelwaniso, kodwa kunokuba kunjalo nokuba nexesha lobabalo linokupheliswa.

Kukho nexesha lobabalo kwimali mboleko

Ayisiyiyo kuphela amaxesha obabalo kwi-inshurensi, Zikwasetyenziswa rhoqo kwicandelo lezemali. Kwimali mboleko enexesha lobabalo, oku kuthetha ukuba umxhasi uxolelwe kwizibophelelo zakhe kwinkampani yezemali okanye ebhankini, ukuhlawula iifizi zabo okanye inxenye yabo. Amaxesha oxolelwaniso lwemali mboleko zihlala zenzeka ikakhulu xa kufikwa kwimali mboleko enkulu.

Ingakumbi kwinqanaba lokuqala lemali mboleko Emva kokutyikitya, umzekelo, ikhontrakthi yemali mboleko, kuba imeko yezoqoqosho yomthengi ngelo xesha ihlala ingekho ntle ngenxa yeendleko ekufuneka azihlawule, kubandakanya irhafu, ukuthenga ifanitshala, ukuhlawula iindleko zolawulo, njl.

Kufanele ukuba kuthiwe amaxesha oxolo akaqhelekanga kangako kwii-microloans kuba ixabiso eliphantsi lenkqubo yezemali lithetha ukuba ukusilela akunangqondo.

Nokuba kunjalo, nokuba kunjalo i-inshurensi yezempilo okanye imali-mboleko yakho, kubalulekile ukufumanisa malunga namaxesha obabalo. Amaxesha amaninzi abantu badla ngokungazihoyi ezi ntlobo zemiba, nangona kunjalo kubalulekile ukuba kuqinisekiswe ukuba la maxesha okusilela awazukuchaphazela iimfuno zabo. Ngayiphi na imeko, kufuneka ukuba ufune iingcebiso kunye nophando ngalo mbandela ukunqanda iingxaki ezinokubakho kwixesha elizayo.