Kodi mukufuna inshuwaransi yachitetezo chanyumba ndi inshuwaransi yamoyo?
Ngati mutenga ngongole yanyumba, mudzafunika ndondomeko yotetezera kubwereketsa ngati imodzi mwazofunikira pa ngongole yanu. Ntchitoyi imakhala ndi zotsatirapo kuti, pakatayika, kampani ya inshuwaransi ya moyo imalipira ndalama zoteteza ngongole kwa wobwereketsayo kuti athetse ngongoleyo.
Kulipiridwa kwa ndondomeko yachitetezo chanyumba kumachepa pakapita nthawi kutengera kuchepa kwa ndalama zanyumba. Ndondomekozi zapangidwa kuti zikulipireni ngongole yanu yanyumba ndi cholinga chopangitsa kuti malowo akhale opanda ngongole kwa omwe akukhalamo.
Inshuwaransi yachitetezo chanyumba ndi inshuwaransi ya moyo yomwe idapangidwa kuti ilipire ndalama zomwe zikuyenera kubwerekedwa, ndipo kampani ya inshuwaransi idzalipira ngongoleyo ngati mwiniwakeyo amwalira. Monga ma inshuwaransi onse, zikhalidwe ndi zikhalidwe zimagwira ntchito, kuphatikiza kufunikira kosunga zolipirira zaposachedwa.
Timalandila mafoni tsiku ndi tsiku kuchokera kwa makasitomala omwe agulitsidwa ndondomeko zotetezera ngongole zamtengo wapatali kudzera mwa obwereketsa awo omwe akufuna kusunga ndalama ndikuonetsetsa kuti akupitirizabe kukhala ndi chitetezo chokwanira.
inshuwaransi yachitetezo cha nyumba
Mawu akuti "inshuwaransi yanyumba" amatanthauzidwa momasuka ndipo atha kugwiritsidwa ntchito kuzinthu zingapo za inshuwaransi, monga chitetezo chandalama zanyumba, chitetezo chanyumba, inshuwaransi ya moyo, chitetezo cha ndalama, kapena inshuwaransi.matenda ovuta, pakati pa ena. Mawu ngati "inshuwaransi ya moyo wanyumba" ndi "inshuwaransi yoteteza kubweza ngongole" ndiwofala kwambiri, zomwe zingapangitse zinthu kusokoneza.
Inshuwaransi yoteteza kubweza ngongole ndi inshuwaransi yomwe imathandizira kubweza ngongole zanyumba ngati zitachitika zomwe zikulepheretsani kuzilipira.
Wobwereketsa nthawi zambiri samaumirira kuti mukhale ndi ndondomeko yoti akulandireni ngongole. Ndizowonjezereka kuti kudzakhala kuyesa kukwanitsa kwa wobwereketsa komwe kungatsimikizire ngati akuvomereza kapena ayi.
Komabe, chifukwa chakuti inshuwaransi yolipira ngongole nthawi zambiri imakhala yosankha, sizitanthauza kuti muyenera kunyalanyaza. M'malo mwake, muyenera kudzifunsa momwe mungayendetsere ngati simungakwanitse kubweza ngongole yanyumba, kapenanso momwe banja lanu lingayendere ngati mutafa.
Kuchepetsa chitetezo chanyumba ku Ireland
Mtengo wapakati wa nyumba ku UK unali £ 265.668 mu June 2021 * - ndi mitengo yokwera chonchi, eni nyumba ambiri adzayenera kulipira ngongole, kotero kuti anthu amafuna kugwiritsa ntchito ndalama zotsalazo mwanzeru. Komabe, ngati muli ndi ana, mnzanu kapena anthu ena omwe amadalira inu omwe amadalira inu pazachuma, kutenga inshuwaransi ya moyo wanyumba kumatha kuonedwa ngati ndalama zambiri.
Ndikofunika kuganizira inshuwalansi ya moyo pogula nyumba ngati banja. Ngati mukugula nyumba yanu ndi mnzanu, ndalama zobwereketsa zitha kuwerengedwa potengera malipiro awiri. Ngati inu kapena wokondedwa wanu mumwalira pamene ngongole yanyumba ilili, kodi aliyense wa inu adzatha kulipira yekha ngongole yanu yanyumba?
Inshuwaransi ya moyo ikhoza kuthandizira popereka ndalama zambiri ngati mutamwalira panthawi ya ndondomeko yanu, yomwe ingagwiritsidwe ntchito kuthandizira kubweza ngongole yotsalayo - izi zimatchedwa 'inshuwaransi ya moyo wandalama', kutanthauza kuti iwo akhoza kupitiriza kukhala m’nyumba ya banja lawo popanda kudandaula za ngongole ya nyumba.
Kodi ndikufunika inshuwaransi yachitetezo chanyumba?
Private mortgage insurance (PMI) ndi inshuwaransi yomwe imateteza obwereketsa ku chiwopsezo cha kusakhulupirika ndi kulandidwa. Nthawi zambiri, ngati mukufuna ndalama zogulira nyumba ndikulipira ndalama zosakwana 20% ya mtengo wake, wobwereketsa angafune kuti mugule inshuwaransi kukampani ya PMI musanasainire ngongole. Ngakhale zimawononga ndalama zowonjezera, PMI imalola ogula omwe sangakwanitse kulipira ndalama zambiri (kapena omwe safuna) kuti apeze ndalama zotsika mtengo.
Njira imodzi yopewera kulipira PMI ndiyo kupanga malipiro ofanana ndi gawo limodzi mwa magawo asanu a mtengo wogulira nyumba; M'mawu obwereketsa, chiŵerengero cha ngongole-to-value (LTV) ndi 80%. Ngati nyumba yanu yatsopano imawononga $ 180.000, mwachitsanzo, muyenera kuyika $36.000 kuti mupewe kulipira PMI. Ngakhale iyi ndiyo njira yosavuta yopewera PMI, kulipira pang'ono kukula kwake sikutheka.
Komanso, ngati nyumba yanu yayamikiridwa kwambiri ndi ndalama zomwe zimapangitsa LTV yanu kukhala yochepera 80%, mabanki ena amakulolani kuti mulembetse PMI. Komabe, pankhaniyi, bankiyo ikufuna kuwunikira akatswiri kuti ayendetse ntchitoyo, yomwe mtengo wake umatengedwa ndi wobwereka.
