Kodi nyumba ingagulitsidwe popanda inshuwaransi?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi ndalama zowerengera ndalama, kusindikiza zolemba zoyambirira ndi zomwe mukufuna, ndikukulolani kuti mufufuze 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.
Bwanji ngati muli ndi ngongole yanyumba ndipo mulibe inshuwaransi yakunyumba?
Ngati mumagula nyumba kapena nyumba yogona mokhazikika, malowo amafunikira inshuwaransi yomanga, koma simuyenera kudzitengera nokha. Nthawi zambiri udindowu umakhala wa mwininyumba, yemwe ndi mwini nyumbayo. Koma sizili choncho nthawi zonse, choncho ndikofunikira kuti mufunse loya wanu yemwe ali ndi udindo wopanga inshuwaransi panyumbayo.
Pamene tsiku losuntha likuyandikira, mungafune kuganizira za inshuwaransi kuti mutetezenso katundu wanu. Musadere mtengo wa zinthu zanu, kuyambira pawailesi yakanema mpaka pamakina ochapira.
Ngati mutasintha, mudzafunika inshuwaransi yokwanira kuti mulipirire zotayikazo. Zingakhale zotsika mtengo kutenga inshuwaransi ya chidebe ndi zomwe zili mkati, koma mutha kuzipanganso mosiyana. Timapereka zonse zomanga ndi zomwe zili.
Inshuwaransi ya moyo imatha kukupatsani mtendere wamumtima podziwa kuti adzasamalidwa mukamwalira. Zingatanthauze kuti banja lanu siliyenera kulipira ngongole kapena kugulitsa ndikusamuka.
Kuchuluka kwa chiwongolero cha moyo wanu chomwe mudzafunikire kudzadalira kuchuluka kwa ngongole yanu ndi mtundu wa ngongole yomwe muli nayo. Mungaganizirenso za ngongole zina zimene mungakhale nazo, limodzinso ndi ndalama zofunika kusamalira anthu amene akudalirana nawo, monga mwamuna kapena mkazi wanu, ana, kapena achibale okalamba.
Umboni wa inshuwaransi yanyumba panyumba yobwereketsa
Inshuwaransi yomanga imalipira mtengo womanganso nyumba yanu ngati yawonongeka kapena kuwonongedwa. Izi zimafunikira ngati mukufuna kugula nyumba yanu ndi ngongole yanyumba ndipo simungathe kupeza ngongole popanda inshuwaransi yomanga.
Inshuwaransi yomanga imalipira mtengo wokonzanso kuwonongeka kwa nyumbayo. Magalaja, mashedi ndi mipanda amaphimbidwanso, monganso mtengo wosinthira zinthu monga mapaipi, zingwe ndi ngalande.
Inshuwaransi yomanga ikhala gawo la ngongole yanyumba ndipo iyenera kukhala yokwanira kubweza ngongole yomwe yatsala. Wobwereketsayo ayenera kukupatsani chisankho cha inshuwaransi kapena kukulolani kusankha nokha. Mutha kukana inshuwaransi yomwe mwasankha, koma simungawakakamize kugwiritsa ntchito inshuwaransi yanu, pokhapokha ngati ngongole yanu yanyumba ikuphatikiza inshuwaransi.
Mukagula nyumba, muyenera kutenga inshuwaransi yanyumba panthawi yosayina mgwirizano. Ngati mumagulitsa nyumba, muli ndi udindo woisamalira mpaka kugulitsa kutatha, choncho muyenera kusunga inshuwalansi mpaka nthawiyo.
Osakhala ndi inshuwaransi yakunyumba
Asanapereke makiyi a nyumbayo ndi kulipirira ngongoleyo, wobwereketsayo ayenera kupereka umboni wa inshuwaransi ya mwini nyumba. Mpaka nyumbayo italipidwa mokwanira, wobwereketsayo ali ndi chiwongola dzanja pa malowo, choncho ndi chidwi chawo kuti atsimikizire kuti katunduyo ali ndi inshuwalansi pamene ngongole ikulipidwa.
Ngati mugula nyumba yanu yatsopano ndi ndalama kapena ngongole yopanda chitetezo (khadi la ngongole kapena ngongole yaumwini), simudzafunikila kusonyeza umboni wa inshuwalansi ya pakhomo musanatseke. Inshuwaransi ya eni nyumba sikufunika m'boma lililonse, koma muyenera kuganizira zogula kuti muteteze mtengo wanyumba yanu.
Pakuvomereza kubwereketsa nyumba, katswiri wanu wangongole adzakuuzani nthawi yogula inshuwaransi yakunyumba. Komabe, mutha kuyamba kugula ndondomeko mutangokhazikitsa adilesi yanu yatsopano. Kugula inshuwaransi yakunyumba pasadakhale kumakupatsani nthawi yochulukirapo yosankha ndondomeko yoyenera ndikupeza njira zopulumutsira.
Ngakhale wobwereketsa angakulimbikitseni ndondomeko, ndi njira yabwino kufananiza mitengo, zophimba ndi ndemanga za ogula musanapange chisankho chomaliza. Mutha kusunga ndalama pomanga inshuwaransi yanu yanyumba ndi yamagalimoto ndi inshuwaransi yomweyo kapena kusintha inshuwaransi yakunyumba. Phunzirani momwe mungapezere inshuwaransi yotsika mtengo yapanyumba.
