Kodi ndikufunika inshuwaransi yachitetezo chanyumba?
Malinga ndi a Money Advice Service, kusamalira ana nthawi zonse ku UK kumawononga £ 242 pa sabata. Kutayika kwa kholo limodzi kungapangitse kufunika kowonjezera chisamaliro cha ana pamene kholo lotsalalo limawonjezera maola awo kuti libwezere ndalama zomwe zatayika.
Ngati mukufuna kusiira okondedwa anu cholowa kapena mphatso yandalama pa nthawi ya imfa yanu, kuchuluka kwa mphatsoyo kudzakhala kokwanira kuti mupatse okondedwa anu kuchita mopanda dyera kumeneku.
Malipiro ochokera ku inshuwaransi ya moyo yomwe ilipo komanso mabizinesi atha kugwiritsidwanso ntchito ngati chitetezo chandalama kwa okondedwa anu ngati mwapita.
Inshuwaransi ya chitetezo cha nyumba ngati wamwalira
Inshuwaransi yachitetezo chanyumba ndi inshuwaransi yomwe imalipira ngongole yanu ngati inu kapena mwini wake wandalama amwalira panthawi yobwereketsa. Ngati muli ndi ngongole yobwereketsa, anthu onsewa amafunikira inshuwaransi yachitetezo chanyumba. Nthawi yake ndi yofanana ndi ya ngongole yanyumba. Chifukwa chake, ngati mutenga ngongole yobwereketsa kwazaka zopitilira 20, inshuwaransi yanu yachitetezo chanyumba iyeneranso kugwira ntchito kwa zaka 20.
Kukhululukidwa kumapangidwa pazochitika-ndi-mlandu, ndipo ngakhale mutagwera m'modzi mwazomwe zili pamwambazi, wobwereketsayo akhoza kupanga chikhalidwe cha ngongole kuti muli ndi inshuwalansi yotetezera ngongole musanavomereze ngongole yanu. Ndikofunikira kudziwa chiwopsezo chandalama chopanda chithandizo musanasaine ngongole yanyumba. Pakachitika imfa, sipadzakhala inshuwaransi yolipira ngongoleyo, motero eni ake kapena omwe amapindula nawo ayenera kupitiriza kulipira ngongoleyo.
Kumbukirani kuti inshuwaransi yamtunduwu silipira chindapusa ngati simungathe kugwira ntchito chifukwa chakuchotsedwa ntchito, kudwala kapena kulumala. Pazithandizo zamtunduwu, muyenera kuganizira za inshuwaransi zina, monga kubweza ngongole, woteteza malipiro, kapena inshuwaransi yoteteza ndalama.
Inshuwaransi yabwino kwambiri ya mortgage
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kupanga zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zolemba zoyambirira komanso zopanda tsankho, ndikukulolani kuti muchite 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 ya moyo wa nyumba ndi ndalama zingati pamwezi?
Ndiye mwatseka ngongole yanu. Zabwino zonse. Ndinu tsopano eni nyumba. Ndi imodzi mwazinthu zazikulu zomwe mungapange m'moyo wanu. Ndipo pa nthawi ndi ndalama zomwe mudayikapo, ndi chimodzi mwazinthu zofunika kwambiri zomwe mungatenge. Chifukwa chake mudzafuna kuwonetsetsa kuti odalira anu akuphimbidwa mukamwalira musanalipire ngongole yanu. Njira imodzi yomwe mungapeze ndi inshuwaransi ya moyo wanyumba. Koma kodi mumafunikiradi mankhwalawa? Werengani kuti mudziwe zambiri za inshuwaransi ya moyo wanyumba komanso chifukwa chake zingakhale zowonongera zosafunikira.
Inshuwaransi ya moyo wa Mortgage ndi mtundu wapadera wa inshuwaransi yoperekedwa ndi mabanki ogwirizana ndi obwereketsa ndi makampani odziyimira pawokha a inshuwaransi. Koma sizili ngati inshuwaransi ina ya moyo. M'malo molipira phindu la imfa kwa omwe adzapindule mukamwalira, monga momwe inshuwaransi ya moyo wamba imachitira, inshuwaransi ya moyo wanyumba imangolipira ngongoleyo pomwe wobwereka amwalira ngongole ikadalipo. Uwu ndi phindu lalikulu kwa olowa m'malo ngati mumwalira ndikusiya ndalama zomwe mwabwereketsa. Koma ngati palibe ngongole, palibe malipiro.
