calculator ya inshuwaransi ya moyo wa mortgage
Mukuganiza zogula nyumba yatsopano? Wobwereketsa wanu angakupatseni mwayi wopeza inshuwaransi yanyumba (yomwe imadziwikanso kuti inshuwaransi yangongole). Koma kodi mukufunikiradi? Kapena mukufuna inshuwaransi yachitetezo chanyumba m'malo mwake?
Inshuwaransi yachitetezo chanyumba ndi inshuwaransi yamoyo yomwe imapatsa banja lanu kapena opindula ndi ndalama zina mukamwalira. Zikatero, ndi inshuwaransi yamoyo yogwira ntchito, opindula anu adzalandira ndalama zopanda msonkho, zomwe zimatchedwa imfa. (Kuchuluka kwake komwe adzalandira kumadalira zomwe muli nazo.)
Itha kugwiritsidwa ntchito kulipira gawo kapena ndalama zonse zotsalira zangongole yanu mukamwalira. Koma ndalamazo sizipita kwa aliyense wopindula. M'malo mwake, mumapita ku banki yanu kapena ngongole yanyumba.
Inshuwaransi yanyumba imalipira zonse kapena gawo la ngongole yanyumba, koma sizisiya ndalama za banja lanu. Ndiponso, zosoŵa zandalama za banja lanu zingapitirire kubwereka ngongole. Angakhalenso ndi ndalama zina zoti alipirire. Pachifukwa ichi, mungafune kuganizira zotenga inshuwaransi yachitetezo chanyumba.
Kodi inshuwaransi ya moyo wa nyumba ndi ndalama zingati pamwezi?
Ngongole ndi mtundu wangongole womwe umagwiritsidwa ntchito pogula nyumba kapena katundu wina. Ngongole yobwereketsa imalola wobwereketsayo kutenga malowo ngati simukubweza ngongoleyo panthawi yake. Katunduyo ndiye chikole pa ngongoleyo. Kawirikawiri, ngongole yobwereketsa ndi ngongole yaikulu ndipo imalipidwa kwa zaka zambiri.
Panyumba yobwereketsa, muli ndi udindo wolipira nthawi zonse kwa wobwereketsa. Malipiro amalipira chiwongola dzanja pa ngongoleyo kuphatikiza gawo la wamkulu (kuchuluka kwa ngongole). Malipiro angaphatikizeponso misonkho ya malo, inshuwaransi, ndi zowonongera zina zofananira nazo.
Mukalipira ngongole yanyumba, wobwereketsayo amazigwiritsa ntchito kuti abweze chiwongoladzanja. Zomwe zatsala zimapita kwa wamkulu ndipo, nthawi zina, msonkho ndi inshuwaransi. Poyamba, ndalama zochepa zimapita kwa mphunzitsi wamkulu, koma pang'onopang'ono ndalama zambiri zimapita kwa mphunzitsi wamkulu mpaka zitathetsedwa. Gawo la malo omwe amalipiridwa - ponse paŵiri kubweza ngongole ndi kubweza ngongole - imatchedwa equity ya nyumba.
Chinsinsi chopulumutsira ndalama pa ngongole yanu yanyumba ndikulipira mkuluyo mwachangu momwe mungathere. Ngati mutha kubweza ndalama zowonjezera malinga ndi zomwe mwabwereketsa, wobwereketsa adzawagwiritsa ntchito mwachindunji kwa wamkulu. Pochepetsa kuwerengera, mutha kusunga masauzande, kapena masauzande, a madola pachiwongola dzanja. Koma ngati muli ndi ngongole yachiwongola dzanja chambiri, monga ngongole ya kirediti kadi, kapena mabizinesi ena omwe angakubwezereni ndalama zambiri, mungakhale bwino kugwiritsa ntchito ndalama zanu pazinthuzo musanapereke ngongole yanyumba.
Inshuwaransi yachitetezo chanyumba kwa okalamba
Ngati muli ndi nyumba ndipo mumalandira phindu lokhudzana ndi ndalama, mutha kupeza chithandizo cholipirira chiwongola dzanja chanyumba. Izi zimatchedwa Mortgage Interest Assistance (SMI). SMI ndi ngongole yomwe muyenera kubweza ndi chiwongola dzanja mukagulitsa kapena kusamutsa umwini wanu wanyumba.
Mutha kupezabe SMI ngati mutafunsira chimodzi mwazinthu zoyenera koma osachipeza chifukwa ndalama zomwe mumapeza ndizokwera kwambiri. Pankhaniyi, zidzaganiziridwa kuti mwapeza phindu lomwe mwapempha.
Chiwongola dzanja chomwe chimagwiritsidwa ntchito powerengera kuchuluka kwa SMI pano ndi 2,09%. Ngati muli ndi chiwongola dzanja chotsika kuposa ichi, mudzalandira ma SMI ochulukirapo kuposa momwe amafunikira kuti mukwaniritse zomwe mumalipira. Ndalama izi zitha kutumizidwa ku akaunti yanu yanyumba.
Mutha kupezabe thandizo lazachuma pamitengo yanyumba ngati Thandizo Lanu Lopeza, Phindu Loyang'anira Ntchito Yotengera Ndalama kapena Ntchito Yogwirizana ndi Ndalama ndi Phindu Lothandizira likusiya chifukwa mwatsala pang'ono:
Inshuwaransi yabwino kwambiri yachitetezo chanyumba
Mlangizi wobwereketsa nyumba azitha kuwunika ndalama zanu ndikuwunika zinthu zachuma zomwe mungakhale nazo. Ngati apeza ngongole yomwe mungayenerere, angakuthandizeni kulembetsa.
Monga momwe zimakhalira ndi ngongole yanyumba, obwereketsa amakhala ndi chidwi ndi kuthekera kwanu kubweza. Obwereketsa adzafuna kuwona umboni wa ndalama zomwe mumapeza ndi zomwe mumawononga, komanso ngati muli ndi ngongole iliyonse. Obwereketsa adzafunanso umboni woti mudzatha kubweza ngati chiwongola dzanja chidzakwera.
Ngati mwakhala mukulandira phindu loyenera - kuphatikiza Job Subsidy ndi Assistance, Income Support kapena Universal Credit - kwa milungu 39 (pafupifupi miyezi isanu ndi inayi) kapena kupitilira apo, mutha kulembetsa kubweza ngongole yanu.
