Kodi inshuwaransi yakunyumba ikuphatikizidwa ndi ngongole yanyumba?
Inshuwaransi yamutu imakhudza zolakwa, monga ngati nyumba yosungiramo nyumbayo ili pa malo a mnzako ndipo iyenera kuchotsedwa. Imakhudzanso zolakwika za kafukufuku komanso chinyengo chamutu, pomwe munthu amagwiritsa ntchito chizindikiritso chabodza kuti apeze chiwongola dzanja kapena kugulitsa nyumbayo popanda kudziwa.
Nthawi zonse werengani ndondomeko yanu mosamala kuti mudziwe zomwe inshuwaransi yanu imakhudza. Pakhoza kukhala zopatula monga kuopsa kwa chilengedwe (monga nthaka yoipitsidwa), kuphwanya malamulo okonzekera (mwachitsanzo, ngati mutamaliza chipinda chanu chapansi popanda chilolezo, ndi zina zotero).
Mitundu iwiri ikuluikulu ya inshuwalansi ya mutu ndi ndondomeko ya eni ake ndi ndondomeko ya wobwereketsa. Eni nyumba amafunikira ndondomeko ya eni ake, pamene ndondomeko ya wobwereketsa imateteza wobwereketsa wanu ku chiwonongeko chilichonse chomwe chingabwere ngati ngongole ya nyumbayo si yoyenera. Ngakhale kuti ndondomeko ya eni nyumba ndi ya mtengo wonse wogula, ndondomeko ya wobwereketsa imakhala ya kuchuluka kwa ngongole yanyumba.
Inshuwaransi yakunyumba imakhudza kuwonongeka ndi kuwonongeka kwa nyumbayo, komanso nyumba zina panyumba nthawi zina. Pali mitundu yambiri ya ndondomeko pamsika, koma kawirikawiri, pali mitundu isanu ndi umodzi yachitetezo mu ndondomeko zambiri zokhazikika.
Chitsanzo cha chigamulo cha mortgage
Ku Australia, nthawi zokhazikika zimatha kukambirana, koma nthawi zambiri zimakhala masiku 30, 60 kapena 90. Nthawi yokhazikika yokhazikika ndi masiku 60, kupatula ku New South Wales komwe kukhazikika kumakhala masiku 42. Nthawi imeneyi iyenera kukhala yokwanira kuti wogula ndi wogulitsa azitha kulinganiza zinthu zomwe ziyenera kuchitidwa musanathe kutha, monga.
Kuzindikiritsa gulu lomwe lili ndi udindo wowonetsetsa kuti nyumbayo ikugulitsidwa ndi inshuwaransi yanyumba ikagulitsidwa zimatengera mgwirizano wanu ndi dziko kapena gawo lomwe mukukhala. M'mayiko ena, lamulo la nkhaniyi silidziwika bwino, choncho zomwe zaperekedwa pano zimachokera ku mgwirizano wapakati.
Ku Australian Capital Territory (ACT), South Australia (SA) ndi Tasmania, mlandu wazowonongeka nthawi zambiri umakhala pa wogula panthawi yolipira. Ngati ndinu wogula, muyenera kutenga inshuwaransi musanayambe kusinthanitsa mapangano; Apo ayi, mungafunike kulipira kuchokera m'thumba lanu chifukwa cha kuwonongeka kulikonse kwa katundu (mwachitsanzo, kuchokera ku mphepo yamkuntho).
Wogula ali ndi udindo pa kuwonongeka kulikonse kwa katunduyo pambuyo pa tsiku lomaliza. Izi zikutanthauza kuti, mwaukadaulo, wogulitsa ali ndi udindo mpaka pamenepo. Komabe, zingakhale zothandiza kulakwitsa kusamala ndikukhala ndi inshuwaransi yochita pangano kuyambira nthawi yosayina mgwirizano.
Kodi gawo la mortgage la inshuwaransi ndi chiyani
Mwagwira ntchito zolimba ndipo mwakonzeka kugula nyumba yanu yatsopano. Inshuwaransi yomanga nthawi zambiri imafunikira ndi obwereketsa (ndi lingaliro labwino kukhala nalo). Komabe, funso la nthawi yogula inshuwaransi ya eni nyumba latsimikizira kusokoneza. Kodi ndi pa nthawi yotsiriza? Kapena pamene contract yasainidwa?
Yankho likhoza kudalira dziko kapena dera limene mukukhala. Zimatengeranso mgwirizano wanu. M'mayiko ena pangakhale kusowa kwa malamulo enieni, kotero zomwe tasonkhanitsa pano zimachokera ku mapangano omwe amagwiritsidwa ntchito kwambiri. Koma, kumapeto kwa tsiku, zomwe wogula ndi wogulitsa amavomereza ndikusayina mayina awo nthawi zambiri ndizomwe zimasankha.
Muyenera kulankhula ndi loya wanu kapena wothandizira za nthawi yomwe mudzakhala ndi udindo woyang'anira nyumbayo. Koma ku Queensland, wogula nthawi zambiri amakhala ndi mlandu kuyambira 17pm tsiku lotsatira lazantchito onse awiri asayina mgwirizano.
Mosiyana ndi ku Queensland, ku Victoria ndi New South Wales wogula ali ndi udindo wowononga tsiku lomwe amalipiritsa. Mwaukadaulo, katunduyo ndi udindo wa wogulitsa mpaka tsiku lokhazikika, koma tikulimbikitsidwa kuti ogula atenge inshuwaransi kuyambira pomwe wogulitsa asayina mgwirizano, kuti akhale kumbali yotetezeka.
Kodi ndingadziwe bwanji yemwe ali ndi inshuwaransi yakunyumba yanga?
Poyerekeza mitengo, ndikofunikira kuti ndalamazo zikhale zotsika mtengo, komanso chilolezo. Kukwera kwa chilolezocho, kutsika mtengowo. Mwachitsanzo, ngati mutasankha chilolezo cha $ 1.000, mudzakhala ndi malipiro ochepa kuposa omwe ali ndi chilolezo cha $200. Ganizirani kuchuluka kwa momwe mungachitire ngati chinachake chachitika.
Pali malamulo osiyanasiyana omwe alipo. Ena amapereka chithandizo chofunikira paziwopsezo zotchulidwa monga moto, kuba, mitundu ina ya kuwonongeka kwa madzi, kuwonongeka kwa utsi, kuwononga zinthu, komanso zinthu zina zomwe simungayembekezere: mphezi, kuphulika, kugwa kwa zinthu, ngakhale kukhudzidwa kwa ndege. Zina ndi mfundo zatsatanetsatane zomwe nthawi zambiri zimayika ziwopsezo zanyumba ndi zomwe zili mkati mwake, koma zopatula zina.
Inshuwaransi yakunyumba siimakhazikika ndipo zosowa zanu zimasintha pakapita nthawi. Ngati mwawonjezera mtengo wa nyumba yanu kudzera muzowonjezera kapena kukonzanso, ndikofunikira kuti mudziwitse alangizi anu azachuma kuti athe kuwonetsetsa kuti mulibe inshuwaransi.
