Munthu yemwe sayenera kutenga inshuwaransi ya katundu.
Inshuwaransi yakunyumba (yomwe imadziwikanso kuti inshuwaransi yakunyumba) si chinthu chapamwamba; ndichofunika. Ndipo osati chifukwa chakuti imateteza nyumba yanu ndi katundu wanu kuti zisawonongeke kapena kubedwa. Pafupifupi makampani onse obwereketsa amafuna kuti obwereketsa azikhala ndi inshuwaransi pamtengo wathunthu kapena woyenera wa malowo (kawirikawiri mtengo wogulira) ndipo sangabwereke ngongole kapena kulipirira kugulitsa nyumba popanda umboni.
Simufunikanso kukhala mwini nyumba kuti mufunikire inshuwaransi; Eni nyumba ambiri amafuna kuti eni nyumba awo akhale ndi inshuwaransi ya renter. Koma kaya ndi zofunika kapena ayi, ndi nzeru kukhala ndi chitetezo chotere. Tidzafotokozera zofunikira za inshuwalansi zapakhomo.
Zikawonongeka chifukwa cha moto, mphepo yamkuntho, mphezi, kuwonongeka kapena masoka ena ophimbidwa, inshuwalansi yanu idzakulipirani kuti nyumba yanu ikonzedwe kapena kumangidwanso. Kuwonongeka kapena kudulidwa chifukwa cha kusefukira kwa madzi, zivomezi komanso kusamalidwa bwino kwa nyumba nthawi zambiri sikukuphimbidwa ndipo mungafunike okwera owonjezera ngati mukufuna chitetezo chamtunduwu. Magalasi otsekedwa, ma shedi kapena nyumba zina zomwe zili pamalopo zingafunikenso kutetezedwa kosiyana motsatira malangizo omwewo ngati nyumba yayikulu.
Kodi nyumba ingagulitsidwe popanda inshuwaransi?
Ngati mukulipira ndalama zochepera 20% panyumba, ndikofunikira kumvetsetsa zomwe mungasankhe pa inshuwaransi yanyumba yachinsinsi (PMI). Anthu ena sangakwanitse kulipira 20%. Ena angasankhe kupereka malipiro ochepa kuti akhale ndi ndalama zambiri zokonzera, kukonzanso, zipangizo, ndi zochitika zadzidzidzi.
Private mortgage insurance (PMI) ndi mtundu wa inshuwaransi yomwe wobwereka angafunikire kugula ngati ngongole yobwereketsa wamba. Obwereketsa ambiri amafuna PMI pamene wogula nyumba amalipira ndalama zosakwana 20% za mtengo wogulira nyumbayo.
Wobwereka akabweza ndalama zosakwana 20% za mtengo wanyumbayo, ngongole yobwereketsa (LTV) ya ngongole yobwereketsa imakhala yoposa 80% (kuchuluka kwa LTV, kumapangitsa kuti chiwopsezo cha ngongoleyo chikwere). ngongole kwa wobwereketsa).
Mosiyana ndi mitundu yambiri ya inshuwalansi, ndondomekoyi imateteza ndalama za wobwereketsa m'nyumba, osati munthu amene akugula inshuwalansi (wobwereka). Komabe, PMI imapangitsa kuti anthu ena akhale eni nyumba posachedwa. Kwa anthu omwe amasankha kuyika pakati pa 5% ndi 19,99% ya mtengo wanyumba, PMI imawalola mwayi wopeza ndalama.
Bwanji ngati muli ndi ngongole yanyumba ndipo mulibe inshuwaransi yakunyumba?
Ogula nyumba omwe akufuna kupeza ndalama zogulira amaphunzira mwachangu zomwe eni nyumba akudziwa kale: Banki yanu kapena kampani yobwereketsa nyumba nthawi zambiri imafuna inshuwaransi ya eni nyumba. Izi ndichifukwa choti obwereketsa amafunika kuteteza ndalama zawo. Pakachitika tsoka kuti nyumba yanu ikuwotcha kapena kuonongeka kwambiri ndi mphepo yamkuntho, mphepo yamkuntho, kapena tsoka lina, inshuwalansi ya eni nyumba imawateteza (ndi inu) ku kutaya ndalama.
Ngati mumakhala m'dera lomwe lingasefukire, banki yanu kapena kampani yobwereketsa nyumba idzafunanso kuti mugule inshuwaransi ya kusefukira kwa madzi. Mabungwe ena azachuma angafunikenso kutetezedwa ndi zivomezi ngati mukukhala m'dera lomwe lingavutike ndi zivomezi.
Mukagula cooperative kapena condominium, mukugula chiwongola dzanja chandalama ku bungwe lalikulu. Chifukwa chake, a board of directors a cooperative kapena condominium yanu angafune kuti mugule inshuwaransi ya eni nyumba kuti muteteze ndalama zonse pakagwa tsoka kapena ngozi.
Ngongole yanyumba yanu ikalipidwa, palibe amene angakukakamizeni kutenga inshuwaransi yakunyumba. Koma nyumba yanu ikhoza kukhala chuma chanu chachikulu, ndipo ndondomeko ya eni nyumba yokhazikika sikuti imangoteteza nyumbayo; Imaphimbanso zinthu zanu pakagwa tsoka ndipo imakupatsirani chitetezo pakavulazidwa kapena kuwononga katundu.
Kodi muyenera kukhala ndi inshuwaransi yakunyumba liti?
Tsoka likachitika, ndikofunikira kuti mutetezedwe, makamaka ikafika pazachuma chachikulu ngati nyumba yanu. Musanatseke nyumba yatsopano, mungafunike kutenga inshuwaransi yakunyumba kuti mulipirire zomwe zingawonongeke.
Ngakhale mumamvetsetsa mwachibadwa kuti inshuwaransi yapakhomo ndiyofunikira, mutha kukhalabe ndi mafunso ambiri okhudza kuti ndi chiyani komanso momwe mungaipezere. Nkhaniyi ikuyang'ana mozama zomwe inshuwaransi yakunyumba imaphimba komanso kuchuluka kwake, kuti mumvetsetse bwino mtundu wachitetezo chomwe chilipo kwa inu.
Inshuwaransi yakunyumba, kapena inshuwaransi ya eni nyumba, imaphimba kuwonongeka ndi kuwonongeka kwa nyumba yanu, komanso zinthu zomwe zili mkati mwake. Inshuwaransi nthawi zambiri imakhala ndi ndalama zomwe zimayenera kubwezeretsanso mtengo woyambirira wa nyumbayo pakawonongeka.
Inshuwaransi iyi sikuti imangokutetezani, komanso wobwereketsa wanu. Ndicho chifukwa chake ngati mukufuna kubwereketsa ngongole, wobwereketsa wanu nthawi zambiri amafuna umboni wosonyeza kuti mwatenga inshuwalansi ya kunyumba musanapeze ndalama zanu, ndikuwonetsetsa kuti mudzatha kubweza ngongole iliyonse yokonza pambuyo pa chochitika.
