Munthu amene sayenera kugula inshuwalansi ya katundu.
Inshuwaransi ya nyumba imalipira mtengo womanganso nyumba yanu ngati yawonongeka kapena kuwonongedwa. Nthawi zambiri zimakhala zovomerezeka ngati mukufuna kugula nyumba ndi ngongole yanyumba ndipo mwina simungathe kuipeza ngati simutenga inshuwaransi yanyumba.
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.
Inshuwaransi yakunyumba ikuphatikizidwa ndi ngongole yanyumba
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.
Umboni wa inshuwaransi yanyumba panyumba yobwereketsa
Ngati mukulipira ndalama zochepera 20% panyumba, ndikofunikira kuti mumvetsetse zomwe mungasankhe pa private mortgage insurance (PMI). Anthu ena sangakwanitse kulipira 20%. Ena angasankhe kupereka malipiro ochepa kuti akhale ndi ndalama zambiri zokonzetsera, 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 zochepera 20% za mtengo wanyumbayo, chiwongolero cha ngongole yobwereketsa (LTV) chimaposa 80% (kukwera kwa LTV, kumapangitsa kuti chiwopsezo cha ngongoleyo chikwere). 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?
Wobwereketsayo asanakupatseni makiyi anyumba yanu ndikupeza ngongole, muyenera kutsimikizira kuti muli ndi inshuwaransi yakunyumba. Mpaka nyumbayo italipidwa mokwanira, wobwereketsayo ali ndi ngongole pa malowo, choncho ndi chidwi chawo kuonetsetsa 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.
