Ngati muli ndi nyumba yanu, kodi mungalipire inshuwalansi? Chifukwa chiyani?
Mutha kukhala mukuganiza za inshuwaransi yakunyumba mukagula nyumba yamaloto anu. Kodi inshuwaransi yakunyumba imagwira ntchito bwanji? Kodi inshuwaransi yakunyumba ndiyofunika? Kodi ndikufunika inshuwaransi yakunyumba ndisanatseke? Ndipo ngati ndi choncho, ndiyenera kukulembani ntchito pati pogula nyumba? Onsewa ndi mafunso omveka bwino ndipo mwamwayi tili ndi mayankho.
Obwereketsa nyumba zambiri amafuna inshuwaransi yakunyumba ngakhale simukukonzekera kusuntha mukangotseka. Dziwani nthawi yomwe mukufuna inshuwalansi yapakhomo powerenga mafunso omwe amafunsidwa kawirikawiri.
Palibe malamulo omwe amafuna kuti eni nyumba azikhala ndi inshuwaransi. Komabe, wobwereketsa wanu adzafuna kuti mupeze inshuwaransi yakunyumba musanavomereze ngongole yanu yanyumba. Inshuwaransi yakunyumba imalipira obwereketsa nyumba ngati nyumba yanu itagwa tsoka monga moto, mphezi, chimphepo, kapena zochitika zina.
Inshuwaransi yanu yakunyumba iyenera kugwira ntchito masiku atatu tsiku lanu lotsekera lisanakwane, chifukwa kampani yobwereketsa nyumba nthawi zambiri imafunikira umboni wotsimikizira kuti mukulipira. Chifukwa chake, muyenera kuyambitsa kufananiza kwa inshuwaransi yakunyumba osachepera milungu ingapo (2-3) musanatseke.
Munthu yemwe sayenera kutenga inshuwaransi ya katundu.
Ngati mwabwerekedwa ndalama zogulira nyumba, inshuwaransi yakunyumba ndiyofunikira. Komabe, ngakhale mutakhala ndi nyumba yanu popanda ngongole yanyumba, chithandizo choperekedwa ndi makampani a inshuwaransi ndichinthu chomwe aliyense ayenera kuganizira. Nyumba yanu ndi imodzi mwazinthu zazikulu zomwe mumagulitsa pamoyo wanu, ndipo ikuyenera kutetezedwa.
Inshuwaransi yakunyumba imateteza imodzi mwazinthu zazikulu kwambiri pamoyo wanu: nyumba yanu. Pazigawo zake zoyambira, inshuwaransi yapanyumba kapena inshuwaransi yakunyumba imaphimba kapangidwe kanyumba pakachitika tsoka lachilengedwe monga moto, chimphepo chamkuntho kapena mkuntho wowopsa.
Inshuwaransi yakunyumba imaperekanso chitetezo kwa eni nyumba. Ngati wina wagwa ndikuvulazidwa pamalo anu, ngati chiweto chanu chavulaza wina, kapena chavulaza wina, kapena china chake chomwe chimakhudza udindo, chithandizo cha inshuwaransi ya kunyumba kwanu chingathandize.
Anthu ambiri amasokoneza inshuwaransi yapanyumba ndi chitsimikizo chanyumba, koma ndizosiyana. Inshuwaransi yakunyumba imalipira mtengo wotayika kapena kuwonongeka komwe kumachitika mwadzidzidzi komanso mosayembekezereka. Chitsimikizo chakunyumba chimakwirira zida ndi makina omwe amafunikira kukonzedwa kapena kusinthidwa chifukwa chogwiritsidwa ntchito bwino komanso kung'ambika.
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 director a cooperative kapena condominium 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 inshuwaransi yakunyumba popanda ngongole ndiyotsika mtengo?
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 wakuti mwatenga inshuwalansi ya kunyumba musanapeze ndalama zanu, ndikuwonetsetsa kuti mudzatha kubweza ngongole iliyonse yokonza pambuyo pa chochitika.
