Kodi inshuwaransi ya moyo wa nyumba ndi ndalama zingati pamwezi?
Nyumba yanu imakhalanso mwala wapangodya wa tsogolo lazachuma la banja lanu, chifukwa ndi chuma chambiri chomwe chingathe kuyamikiridwa ndi mtengo wake. Koma ngakhale mapulani abwino kwambiri sali otetezeka, chifukwa chake eni nyumba amafunikira njira yotetezera ngongole yawo kuti isagwere kwa okondedwa awo kapena osayina nawo ngati apita. Ichi ndichifukwa chake inshuwaransi ya moyo imafunikira kuti muteteze ngongole yanyumba.
Nditangotseka nyumba yanga, tsiku lililonse ndinkalandira kalata yondichenjeza kuti ndiyenera kugula inshuwalansi ya moyo. Monga munthu yemwe amagwira ntchito m'makampani a inshuwaransi ya moyo, ngakhale ine nthawi zina ndimadabwa ngati ndikutaya makalata ofunikira. (Koma, kuwonjezera apo, envelopu iliyonse yokhala ndi malemba ofiira ndi zilembo zazikulu zimandipangitsa kukhala wosasangalala).
Inshuwaransi ya moyo wanyumba, yomwe nthawi zina imatchedwa inshuwaransi yachitetezo chanyumba, ndiyosiyana kwambiri ndi inshuwaransi yanthawi yayitali, chifukwa chake ndikofunikira kuti mumvetsetse mtundu wanji wa chithandizo chomwe mukuperekedwa komanso zomwe mukufuna. Apa tikuthandizani kumvetsetsa ins and outs of mortgage protection insurance,mortgage life inshuwaransi imagwirira ntchito,masiyana bwanji ndi inshuwaransi yanthawi yayitali, ndipo koposa zonse, momwe mungapewere chimodzi mwazinthu zodula kwambiri kuti zisatayike. kulemedwa kwachuma.
Kodi mukufuna inshuwaransi yamoyo kuti mubwereke ku Ireland?
Kugula nyumba ndi ndalama zazikulu zomwe zimafuna kuti ogula ambiri atenge ngongole yanyumba. Tsoka ilo, imfa ya mwiniwakeyo imatha kukakamiza banja kuti lisamuke chifukwa chosowa ndalama kuti likwaniritse ngongole zanyumba. Inshuwaransi ya moyo idzakuthandizani kupewa izi. Pali njira ziwiri: inshuwaransi ya moyo wanyumba ndi inshuwaransi yamoyo wamunthu payekha.
Imatchedwanso inshuwaransi ya ongongoleredwa, chithandizochi chimaperekedwa ndi banki yomwe ikupereka ndalama zogulira nyumba, ndipo mutha kuyipeza posakhalitsa. Kuyeza zamankhwala sikofunikira: ingoyankhani mafunso angapo kuti mulandire satifiketi yosonyeza kuti bungwe lazachuma lidzakubwezerani ndalama zomwe mwabweza mukamwalira. Ngakhale ndizosavuta kupeza, inshuwaransi iyi imapereka kusinthasintha kochepa, chifukwa koposa zonse imayankha zosowa za bungwe, lomwe ndi lopindula. Nthawi zambiri, mtengo wa inshuwaransi umakhalabe womwewo, ngakhale ndalama zomwe ngongole yabwereka ikachepa.
Koma ngati mwaganiza zosintha bungwe lanu lazachuma kuti mutengerepo mwayi pa chiwongola dzanja chochepa, muyenera kutenga inshuwaransi yatsopano yanyumba. Malipiro angachuluke chifukwa chakuti mwakalamba kapena ngati thanzi lanu layamba kufooka.
mortgage life insurance
Koma ndizo zomwe amakonda kunena akafunsidwa za inshuwaransi yachitetezo chanyumba, malinga ndi Anne Marie Thomas wa InsuranceHotline.com, malo oyerekeza a inshuwaransi WERENGANI ZAMBIRI: Chifukwa Chake Ogula Nyumba Ayenera Kutalikirana Ndi Njira Yotchuka Yopezera Ndalama Zanyumba Inshuwaransi yachitetezo chanyumba sichobwereketsa inshuwaransi anthu ambiri aku Canada akuidziwa bwino, yomwe muyenera kugula, nthawi zambiri kuchokera ku Canada Mortgage and Housing Corp. (CMHC), pamene malipirowo amakhala osakwana 20 % ya mtengo wapakhomo. WERENGANI ZAMBIRI: Malipiro a Inshuwalansi ya CMHC Mortgage: Nayi Momwe Mitengo Yakwera Ku Canada Kuyambira Lero Mosiyana ndi inshuwaransi yodziwika bwino yanyumba, yomwe imateteza obwereketsa ngati eni nyumba alephera, inshuwaransi yoteteza kubwereketsa ndi mtundu wa inshuwaransi yamoyo. Imalipira ngongole yanyumba ikamwalira kapena kulumala. Nkhani ikupitilira pansipa malonda
Mabanki nthawi zambiri amayesa kugulitsa eni nyumba inshuwaransi yamtunduwu akatenga ngongole yatsopano. Malinga ndi Thomas, pali zinthu zambiri zomwe sakonda: 1. Malipiro a inshuwaransi yachitetezo chanyumba amatsika ndi ngongole yanyumba. 2. Ndondomeko yamtunduwu imangokhudza ngongole zomwe zatsala, zomwe zikutanthauza kuti malipirowo amacheperachepera pamene ngongole yanyumba ikulipidwa. Koma ndalama za inshuwaransi sizimasiyana pa nthawi ya inshuwalansi. WERENGANI ZAMBIRI: Kodi ngongole zomwe simunamalipire zimatha? 2. Mungadziŵe pamene mupereka chikalata chosonyeza kuti simukuyenera kulipidwa Inshuwaransi ya Mortgage “nthawi zambiri imalembedwa mongoganizira za m’mbuyo,” akutero Thomas. Izi zikutanthauza kuti kampani ya inshuwaransi idzangoyang'ana mlandu wanu mukangopereka chigamulo. Ndipo ndizotheka kuti mudzazindikira kuti zinazake zokhudza vuto lanu zikuphwanya mgwirizano wa inshuwaransi, kusiya banja lanu lopanda chithandizo panthawi yomwe mukuchifuna kwambiri. simukufuna inshuwaransi kuti muyende ku Canada? Ganizilaninso3. Inshuwaransi yoteteza kubwereketsa nyumba ikukakamizani kuti mukonzenso ndondomeko yanu kumapeto kwa nthawi yanu yobwereketsa nyumba, a Thomas adatero. Nkhaniyi ikupitilira mu malonda otsatira
inshuwaransi yanyumba
Inshuwaransi yokhazikika yobwereketsa nyumba Inshuwaransi yokhazikika ndiyofunikira ngati muyika zosakwana 20% kunyumba kwanu. Zimateteza wobwereketsa ngongole ngati simungathe kubweza ngongoleyo. Mutha kuphatikiza mtengo wa inshuwaransi pakulipira kwanu pamwezi. Inshuwaransi yosakhazikika ya Mortgage imadziwikanso kuti inshuwaransi ya Canada Housing and Mortgage Corporation (CMHC). Ngati mumwalira ndi ngongole pa ngongole yanu yanyumba, ngongole yanu yanyumba idzalipira ndalamazo kwa wobwereketsa ngongole. Inshuwaransi ya moyo wandalama imathandizira banja lanu kukhala mnyumba mwanu mutapita. Phindu la ndondomekoyi limapita mwachindunji kwa wobwereketsa, osati kwa banja lanu.Mortgage Life Insurance imadziwikanso kuti Mortgage Protection Insurance (MPI) Inshuwalansi Yolemala Kunyumba Kuvulala kapena matenda amatha kutigwera nthawi iliyonse. Kusunga malipiro anu pamwezi kungakhale kovuta ngati mukukumana ndi matenda olemala kapena kuvulala. Apa ndipamene inshuwaransi yolemala yanyumba imayamba kugwira ntchito. Kuphatikiza pa funso lomwe lili pamwambapa, eni nyumba atsopano nthawi zambiri amafunsa mafunso ngati awa: Kodi inshuwaransi ya moyo wanyumba yanyumba ndiyofunika ku Ontario? Kodi inshuwaransi yobwereketsa nyumba ndiyovomerezeka ku Canada?
