Kusalipira ngongole zanyumba ku Canada
Chenjerani ndi "Piggyback" Ngongole Yachiwiri Monga njira ina yogulitsira inshuwaransi yanyumba, obwereketsa ena angapereke zomwe zimadziwika kuti "piggyback" yachiwiri yobwereketsa. Njira iyi ikhoza kugulitsidwa ngati yotsika mtengo kwa wobwereka, koma sizikutanthauza kuti ndi. Nthawi zonse yerekezerani mtengo wonse musanapange chisankho chomaliza. Dziwani zambiri za piggyback second mortgages. Momwe Mungapezere Thandizo Ngati simukubweza ngongole yanu yanyumba, kapena mukuvutika kulipira, mutha kugwiritsa ntchito CFPB Pezani Mlangizi pa mndandanda wa mabungwe opereka uphungu wa nyumba m'dera lanu omwe amavomerezedwa ndi HUD. Mutha kuyimbiranso hotline ya HOPE™, yotsegula maola 24 patsiku, masiku asanu ndi awiri pa sabata, pa (888) 995-HOPE (4673).
Zosintha zanyumba ku Ontario
Maofesi a Coast Capital adzatsekedwa Loweruka Meyi 21 ndi Lolemba Meyi 23 pa Tsiku Lopambana. Kuti mukhale omasuka, Malo athu a Upangiri adzatsegulidwa Loweruka, Meyi 21 ndi Lamlungu, Meyi 22 kuyambira 9 am mpaka 17:30 p.m. PT.
Inshuwaransi yobwereketsa nyumba yobwereketsa ikufunika ndi Boma la Canada panyumba zanyumba ngati ndalama zangongole zikupitilira 80% yamtengo wogulira (kapena mtengo woyengedwa) wanyumba. Izi zikutanthauza kuti Coast Capital imangopereka ndalama zobwereketsa kwa eni nyumba omwe ali ndi ndalama zochepera 20% ngati ngongoleyo ili ndi inshuwaransi ya inshuwaransi yanyumba.
M'pofunikanso kukumbukira kuti mortgage kusakhulupirika inshuwaransi sikuteteza mwini nyumba ndipo sayenera kusokonezedwa ndi moyo kapena olumala inshuwalansi, amene ndi kuteteza mwini nyumba.
Ku Canada, inshuwaransi yobwereketsa ngongole imaperekedwa ndi Canadian Housing and Mortgage Corporation (CMHC), Sagen ndi Canada Guaranty. Coast Capital imasankha inshuwaransi yanyumba yomwe idzagwiritse ntchito; komabe, wobwereketsa ngongole amasankha ngati apereke inshuwaransi yangongole inayake. Ngati wobwereketsa ngongole akukana kupereka inshuwaransi yobwereketsa kubwereketsa, Coast Capital silingapereke ngongole yanyumba pokhapokha ngati m'modzi mwa ma inshuwaransi omwe ali ndi ngongole yobwereketsa angalole kubweza ngongoleyo kapena mwininyumba atha kubweza 20%.
Inshuwaransi yokhazikika yanyumba ku Ontario
Inshuwaransi yobwereketsa nyumba imafunidwa ndi Boma la Canada pomwe ogula nyumba apereka ndalama zochepera 20% zomwe zimafunikira kuti athe kubwereketsa ngongole wamba. Inshuwaransi yamtundu uwu imalipira obwereketsa nyumba chifukwa cha zotayika zomwe zimachitika chifukwa cholephera kubweza ngongole. Chifukwa chofala kwambiri cholephera kubweza ngongole sikulipira ngongole yanyumba.
Kuti muyenerere kukhala ndi inshuwaransi yobwereketsa ngongole, muyenera choyamba kukwaniritsa zofunikira za banki yanu, komanso malamulo a inshuwaransi yanu yanyumba. Inshuwaransi imaperekedwa ndi ma inshuwaransi angapo obwereketsa nyumba, kuphatikiza Canada Mortgage and Housing Corporation (CMHC).
Mortgage default insurance calculator
Ndi nthano kuti muyenera kubweza 20% pamtengo wogulira nyumba kuti mutenge ngongole. Obwereketsa amapereka mapulogalamu ambiri angongole okhala ndi zofunikira zolipirira zochepa kuti zigwirizane ndi bajeti ndi zosowa za ogula. Komabe, ngati mungasankhe njira iyi, mudzayenera kulipira inshuwaransi yanyumba yachinsinsi (PMI). Zowonjezera izi zitha kukulitsa mtengo wamalipiro anyumba pamwezi ndipo nthawi zambiri zimapangitsa kuti ngongoleyo ikhale yokwera mtengo. Komabe, ndizosapeweka ngati mulibe malipiro ochepera 20% kapena kupitilira apo.
PMI ndi mtundu wa inshuwaransi yanyumba yomwe ogula amafunikira kulipira ngongole wamba akalipira ndalama zosakwana 20% za mtengo wogulira nyumbayo. Obwereketsa ambiri amapereka mapulogalamu olipira otsika, omwe amalola kubweza pang'ono 3%. Mtengo wa kusinthasintha kumeneku ndi PMI, yomwe imateteza ndalama za wobwereketsa ngati mwalephera kubweza ngongole yanu, yotchedwa kusakhulupirika. Mwanjira ina, PMI imatsimikizira wobwereketsa, osati inu.
PMI imathandiza obwereketsa kubweza ndalama zambiri ngati zitalephera. Chifukwa chomwe obwereketsa amafunikira kubweza ndalama zochepera 20% yamtengo wogula ndi chifukwa muli ndi chidwi chochepa mnyumba mwanu. Obwereketsa amakubwerekeni ndalama zambiri kutsogolo kotero kuti mudzataya zambiri ngati simukulipira zaka zingapo zoyamba kukhala umwini. Ngongole zokhala ndi inshuwaransi ndi Federal Housing Administration, kapena ngongole za FHA, zimafunikiranso inshuwaransi yanyumba, koma malangizowo ndi osiyana ndi ngongole wamba (zambiri pambuyo pake).
