Ndi liti pamene mukuyenera kukhala ndi inshuwaransi yakunyumba?
Ngati mwabwerekedwa ndalama zogulira nyumba, inshuwaransi yakunyumba ndiyofunikira. Komabe, ngakhale mutakhala ndi nyumba yanu popanda ngongole yanyumba, chithandizo choperekedwa ndi makampani a inshuwaransi ndichinthu chomwe aliyense ayenera kuganizira. Nyumba yanu ndi imodzi mwazinthu zazikulu zomwe mumagulitsa pamoyo wanu, ndipo ikuyenera kutetezedwa.
Inshuwaransi yakunyumba imateteza imodzi mwazinthu zazikulu kwambiri pamoyo wanu: nyumba yanu. Pazigawo zake zoyambira, inshuwaransi yapanyumba kapena inshuwaransi yakunyumba imaphimba kapangidwe kanyumba pakachitika tsoka lachilengedwe monga moto, chimphepo chamkuntho kapena mkuntho wowopsa.
Inshuwaransi yakunyumba imaperekanso chitetezo kwa eni nyumba. Ngati wina wagwa ndikuvulazidwa pamalo anu, ngati chiweto chanu chavulaza wina, kapena chavulaza wina, kapena china chake chomwe chimakhudza udindo, chithandizo cha inshuwaransi ya kunyumba kwanu chingathandize.
Anthu ambiri amasokoneza inshuwaransi yapanyumba ndi chitsimikizo chanyumba, koma ndizosiyana. Inshuwaransi yakunyumba imalipira mtengo wotayika kapena kuwonongeka komwe kumachitika mwadzidzidzi komanso mosayembekezereka. Chitsimikizo chakunyumba chimakwirira zida ndi makina omwe amafunikira kukonzedwa kapena kusinthidwa chifukwa chogwiritsidwa ntchito bwino komanso kung'ambika.
Kodi inshuwaransi yakunyumba ndiyofunikira pa ngongole zonse zanyumba?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Kodi inshuwaransi yakunyumba popanda ngongole ndiyotsika mtengo?
Ogula nyumba omwe akufuna kupeza ndalama zogulira amaphunzira mwachangu zomwe eni nyumba akudziwa kale: Banki yanu kapena kampani yobwereketsa nyumba ingafunike inshuwaransi yakunyumba. Izi ndichifukwa choti obwereketsa amafunika kuteteza ndalama zawo. Pakachitika tsoka kuti nyumba yanu ikuwotcha kapena kuonongeka kwambiri ndi mphepo yamkuntho, mphepo yamkuntho, kapena tsoka lina, inshuwalansi ya eni nyumba imawateteza (ndi inu) ku kutaya ndalama.
Ngati mumakhala m'dera lomwe lingasefukire, banki yanu kapena kampani yobwereketsa nyumba idzafunanso kuti mugule inshuwaransi ya kusefukira kwa madzi. Mabungwe ena azachuma angafunikenso kutetezedwa ndi zivomezi ngati mukukhala m'dera lomwe lingavutike ndi zivomezi.
Mukagula cooperative kapena condominium, mukugula chiwongola dzanja chandalama ku bungwe lalikulu. Chifukwa chake, gulu la oyang'anira ma cooperative kapena condominium lingafune kuti mugule inshuwaransi ya eni nyumba kuti muteteze ndalama zonse pakagwa tsoka kapena ngozi.
Ngongole yanyumba yanu ikalipidwa, palibe amene angakukakamizeni kutenga inshuwaransi yakunyumba. Koma nyumba yanu ikhoza kukhala chuma chanu chachikulu, ndipo ndondomeko ya eni nyumba yokhazikika sikuti imangoteteza nyumbayo; Imaphimbanso zinthu zanu pakagwa tsoka ndipo imakupatsirani chitetezo pakavulazidwa kapena kuwononga katundu.
Kodi inshuwaransi yakunyumba ikuphatikizidwa ndi ngongole yanyumba?
Kuti mupeze ngongole yanyumba yanyumba yanu yatsopano, muyenera kukhala ndi inshuwaransi yowopsa yophatikizidwa ndi inshuwaransi yanu yapanyumba. Inshuwaransi yowopsa ndi gawo la inshuwaransi yapanyumba, si mtundu wosiyana wa chithandizo. Inshuwaransi yowopsa ndiyofunikira kuti inu, banja lanu ndi nyumba yanu mukhale otetezeka.
Inshuwaransi yowopsa nthawi zambiri imatanthawuza kutetezedwa kwa nyumba yanu yokha. Mitundu ina ya zowonongeka idzaphimbidwa ndi zina zomwe zili mkati mwa inshuwalansi ya nyumba yanu. Inshuwaransi yowopsa nthawi zambiri simatanthawuza chithandizo chomwe chimakutetezani ku kuvulala komwe inu kapena alendo anu akukumana nazo pambuyo pa ngozi yomwe ingakhale yotetezedwa ndi ngongole.
Chifukwa chake "inshuwaransi yowopsa" ndi mawu odziwika bwino chifukwa cha obwereketsa. Wobwereketsa wanu wobwereketsa angafunike inshuwaransi yowopsa pang'ono asanakupatseni ngongole, chifukwa ndi gawo lokhalo la inshuwaransi ya eni nyumba yokhudzana ndi kapangidwe ka nyumbayo. Izi zitha kupanga malingaliro olakwika kuti kubisalira kowopsa kungagulidwe mosiyana ndi inshuwaransi ya eni nyumba, zomwe sizolondola. Ngati wobwereketsa wanu wanena kuti mukufunikira eni nyumba kapena chithandizo chowopsa, dziwani kuti kugula ndondomeko ya eni nyumba kumakwaniritsa zofunikira zanu.
