ʻO ka ʻinikua mālama moraki maikaʻi loa ma UK
E hoʻopaʻa inoa iā Samantha Haffenden-AngearIndependent Protection Expert0127 378 939328/04/2019 ʻOiai he mea kūpono ke noʻonoʻo e kūʻai i ka Inikua Ola e uhi i kāu hōʻaiʻē moraki, ʻaʻole pono ia. e make ana oe. Hāʻawi ʻia i ke kumukūʻai o ka ʻinikua ola, inā he hoa a ʻohana paha ʻoe, pono e noʻonoʻo pinepine ʻia, me ka ʻole o ke koi a ʻaʻole paha. ʻO kahi kulekele ʻinikua wā moraki maʻalahi e uku i ka huina kālā e like me ka ʻaiʻē o ka moraki, e ʻae ana i kāu poʻe aloha e uku i ke koena a noho i ko lākou home ʻohana. Inā kūʻai ʻoe i home ma kāu iho a ʻaʻohe ʻohana e hoʻomalu ai, a laila ʻaʻole like paha ka mea nui ʻo Mortgage Life Insurance. Inā makemake ʻoe e kiʻi i kahi manaʻo o ke kumukūʻai o Life Insurance, e hoʻokomo i kāu kikoʻī ma lalo a loaʻa i nā ʻōlelo ʻōlelo ʻo Mortgage Life Insurance ma ka pūnaewele mai nā mea hoʻokele 10 kiʻekiʻe o UK. Eia kekahi mau kumu kūpono ke kamaʻilio pū me mākou.
He aha ka hopena i ka ʻinikua ola ke uku ʻia ka moraki?
He aha ka ʻinikua mālama moraki? ʻO kāu moraki kāu kālā nui loa o kēlā me kēia mahina. Inā ʻaʻole hiki iā ʻoe ke hana ma muli o ka maʻi a i ʻole ka haʻalele ʻana, pono ʻoe e hoʻomau i ka uku ʻana a i ʻole ka nalowale ʻana o kou home. ʻElua mau koho nui no ka pale ʻana iā ʻoe iho: hiki iā ʻoe ke lawe i kahi ʻinikua pale kikoʻī e uhi i kāu uku moraki, a i ʻole ka ʻinikua palekana loaʻa kālā (kahi e hoʻohana ʻia ai nā uku āu e loaʻa ai no kekahi mea). Hiki iā ʻoe ke hoʻomau i ka uku ʻana i kāu moraki inā nalowale ʻoe i kahi kālā palekana. Hiki iā ʻoe ke aʻo hou aʻe e pili ana i ka ʻinikua mālama kālā ma kā mākou alakaʻi. Makemake ʻoe e lawe i ka ʻinikua palekana? ʻO kā mākou hoa pili ʻo LifeSearch e kōkua iā ʻoe e hoʻonohonoho i ka uhi ʻana me kekahi o nā mea hoʻokele waiwai nui o UK. E kiʻi i ka ʻōlelo aʻo i kēia manawa. He aha nā ʻano like ʻole o MPPI? Ma keʻano laulā, aia ʻekolu ʻano o ka ʻinikua palekana uku moraki: "ʻaʻohe hana wale", "pilikia a me ka maʻi wale nō" a me ka "pōʻino, maʻi a me ka hana ʻole".
'inikua palekana uku moraki no ka nele i ka hana
I ka noi ʻana i moraki, koi maʻamau ka mea hāʻawi i ka uku hoʻohaʻahaʻa e like me 20% o ke kumukūʻai kūʻai o ka home. Inā ʻaʻole hiki i ka mea hōʻaiʻē ke loaʻa i kēlā kālā, e nānā paha ka mea hāʻawi i ka hōʻaiʻē ma ke ʻano he hoʻopukapuka ʻoi aku ka pilikia a koi aku i ka mea kūʻai hale e kūʻai i ka PMI, i ʻike ʻia hoʻi ʻo ka ʻinikua moraki pilikino, ma ke ʻano he ʻāpana o ka loaʻa ʻana o ka moraki.
ʻO kekahi o nā ana pilikia i hoʻohana ʻia e nā mea hāʻawi kālā i ka wā e kākau ana i kahi moraki, ʻo ia ka ratio loan-to-value (LTV) o ka hōʻaiʻē. Hoʻokaʻawale ka LTV i ka nui o ka hōʻaiʻē me ka waiwai o ka home. ʻO ka hapa nui o nā moraki me ka ratio LTV ʻoi aku ka nui ma mua o 80% koi i ka mea ʻaiʻē e loaʻa iā PMI, no ka mea, ua manaʻo ʻia lākou ʻoi aku ka paʻa o ka hōʻaiʻē.
Uku ʻia ʻo PMI i kēlā me kēia mahina ma ke ʻano he ʻāpana o ka uku moraki piha i ka mea hāʻawi aku, akā i kekahi manawa e uku ʻia ma ke ʻano he uku puʻupuʻu ma mua o ka pau ʻana. ʻAʻole paʻa ka PMI: hiki ke hoʻoneʻe ʻia i ka manawa e uku ai ka mea ʻaiʻē i ka nui kūpono o ke kumu moraki. I ka wā e noho ana ka mea hōʻaiʻē i kā lākou uku, pono ka mea hāʻawi e hoʻopau i ka PMI i ka lā i hiki ai ke koena o ka hōʻaiʻē i 78% o ka waiwai kumu o ka home (ma nā huaʻōlelo ʻē aʻe, ke hiki ke poʻo i ka 22%).
Ua koi ʻia ka ʻinikua ola moraki ma UK
Pono paha ʻoe e hoʻohui i ka ʻinikua moraki pilikino (PMI) i kāu hōʻaiʻē maʻamau inā kūʻai ʻoe i hale me ka liʻiliʻi o 20% i lalo. Hiki iā PMI ke hoʻohui i nā haneli kālā i kāu uku mahina, akā ʻaʻole pono ʻoe e uku no ka manawa pau ʻole.
ʻO ka PMI kahi ʻano o ka ʻinikua e pale aku i kāu mea hāʻawi i ka wā i hoʻopaʻa ʻole ʻoe i kāu hōʻaiʻē a i ʻole e komo i ka paʻa. ʻAʻole mālama ʻo PMI iā ʻoe ma ke ʻano he mea hale, akā pono ʻoe e uku i nā kumukūʻai ʻinikua o kēlā me kēia mahina i kāu mea hāʻawi.
He mea nui e ʻike i ka ʻokoʻa ma waena o ka PMI a me nā ʻano ʻinikua ʻē aʻe. Ma ke ʻano he mea kūʻai aku, ʻo ka pōmaikaʻi wale nō e loaʻa iā ʻoe mai ka PMI ʻo ka hiki ke kūʻai aku i kahi home me ke kali ʻole i ke kālā no ka 20% uku.
ʻO ka BPMI ke ʻano pololei a maʻalahi o PMI. Hoʻohui kāu mea hāʻawi i ka uku PMI i kāu uku BPMI mahina. Pono ʻoe e hoʻomau i ka uku ʻana i kēia mau uku BPMI a hiki i ka 20% equity ma kou home. Ke hiki i kēia paepae, hiki iā ʻoe ke noi e kāpae.
ʻAe ʻo LPMI iā ʻoe e pale i ka hoʻohui ʻana i kahi uku i kāu uku mahina. Akā, ʻae ʻoe i kahi pānaʻi kiʻekiʻe iki ma mua o ka hiki ke loaʻa me ka ʻole o ka PMI. He mea nui e hoʻomanaʻo, ʻaʻole like me BPMI, ʻaʻole hiki iā ʻoe ke kāpae i ka LPMI. Mālama ʻia ka LPMI i ke ola o ka hōʻaiʻē a pono ʻoe e hoʻomau i ka uku ʻana i ka uku uku like ma hope o ka hiki ʻana i 20% o ke kumu.
