The can without becoming employment pose much problems, nonless the fact that there simply can not be any money to pay the invoices. The majority of the people will be appropriate that their house is their more significant material possession, however if payments of mortgage cannot be carried out, the safety of a house can be carried.

You cannot count on the state aid to cover your payments of mortgage if you cannot work. There is no help for the first nine months of unemployment or the incapacity for mortgages taken since October 1995. The existing borrowers qualify only for the advantage if they qualify for the support of income.

You can buy the cover to protect your payments from mortgage if you have an accident or become sick and cannot work, if you become without employment, or provide the full cover for accidents, the disease and unemployment. The procedures and the conditions under which you can claim differ with each policy, thus you should always check them very carefully.

The period of advantage is the duration when you can claim monthly payments for, and those change for each policy. You can choose the period of time when you want to be covered (1 year, 2 years etc.) but the more you want the cover for a long time, the more expensive the premiums will be.

Also a period ago of exclusion, sometimes known under the name of excessive period. It is time when you must wait to start to receive advantages of the policy after you became sick, had an accident or became without employment. Still, this can change not to have any period of exclusion to 30, 60 or 90 days. Sometimes, this can be even longer.

The majority of the suppliers will cover your payment of mortgage and little additional for the invoices connected by mortgage, such as the pensions, insurances etc... They usually offer of the 5 additional ones, 10 or even 25% but can have conditions on for what this money can be employed.