Kodi inshuwaransi yakunyumba ikuphatikizidwa ndi ngongole yanyumba?
Wobwereketsa asanakupatseni makiyi anyumba yanu ndikukulipirani ngongole yanyumba, muyenera kupereka umboni wa inshuwaransi yakunyumba. Mpaka nyumbayo italipidwa mokwanira, wobwereketsayo ali ndi chiwongola dzanja pa malowo, choncho ndi chidwi chawo kuti atsimikizire 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 bwino kufananiza mitengo, kufalitsa, 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.
Bwanji ngati muli ndi ngongole yanyumba ndipo mulibe inshuwaransi yakunyumba?
Inshuwaransi yanyumba ndi inshuwaransi yomwe imateteza wobwereketsa kapena wobwereketsa ngati wobwereketsa alephera, amwalira, kapena sangathe kukwaniritsa zomwe wachita panyumbayo. Inshuwaransi ya Mortgage ingatanthauze inshuwaransi yaumwini (PMI), inshuwaransi yoyenerera ya mortgage premium (MIP), kapena inshuwaransi yamutu wanyumba. Chomwe ali nacho mofanana ndi udindo wobwezera ngongole kwa wobwereketsa kapena mwiniwake wa katunduyo ngati zitatayika zinazake.
Mortgage life insurance, kumbali ina, yomwe imamveka ngati yofanana, idapangidwa kuti iteteze olowa m'malo ngati wobwereka amwalira ali ndi ngongole yanyumba. Mukhoza kulipira wobwereketsa kapena olowa nyumba, malingana ndi ndondomeko ya ndondomekoyi.
Inshuwaransi yobwereketsa nyumba imatha kubwera ndi malipiro anthawi zonse, kapena ikhoza kuphatikizidwa kukhala malipiro andalama panthawi yomwe ngongoleyo idapangidwa. Eni nyumba omwe akuyenera kukhala ndi PMI chifukwa cha lamulo la 80% la ngongole yamtengo wapatali atha kupempha kuti inshuwalansi ichotsedwe kamodzi 20% ya ndalama zonse zaperekedwa. Pali mitundu itatu ya inshuwaransi yanyumba:
Kodi muyenera kukhala ndi inshuwaransi yakunyumba liti?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa 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.
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.
Kutaya inshuwaransi yakunyumba
Tsoka likachitika, ndikofunikira kutetezedwa, makamaka ikafika pazachuma chachikulu ngati nyumba yanu. Musanatseke nyumba yatsopano, mungafunike kugula inshuwaransi yanyumba kuti muteteze malo anu kuti awonongeke.
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.
