mortgage protection insurance
Iwe unofanirwa kuve uine mamwe marudzi einishuwarenzi pamba pako. Kana ukasatora inshuwarheni inomanikidzirwa, inishuwarenzi yako inopera kana kuti usina mari yakakwana, tinokutorera mutemo. Tinoita izvi kuitira kuti imba yako igadziriswe kana kuvakwa patsva kana yaparara. Izvi zvinonzi inishuwarenzi inokweretesa, uye ine zvimhingamupinyi zvakakomba zvichienzaniswa nemainishuwarenzi mazhinji.
Kana mukweretesi akaisa inishuwarenzi inodikanwa, isu tichawedzera mutengo kumubhadharo wako wepamwedzi weimba. Tichaibata muakaundi ye escrow kusvika mabhiri einishuwarenzi akwana. Tinozoshandisa mari iyoyo kubhadhara mabhiri panzvimbo yako.
Kuti ubvise inishuwarenzi yakatengwa nemukweretesi, unofanira kutenga purogiramu iwe pachako kana kuwedzera kuvharidzirwa kune mari inodiwa. Kuti uratidze kukodzera kwako, titumire kopi yepeji yezviziviso zvepolicy yako (kazhinji peji rekutanga). Tichakanzura inishuwarenzi yakapihwa nemukweretesi kana tangosimbisa kuti une mari yakakwana.
Mortgage inishuwarenzi kana ukafa kana kuremara
Chenjera "Piggyback" Yechipiri Mortgages Seimwe nzira yeinishuwarenzi yembavha, vamwe vanokweretesa vanogona kupa iyo inozivikanwa se "piggyback" yechipiri yemondi.Iyi sarudzo inogona kutengeswa seyakachipa kune anokwereta, asi hazvireve hazvo kuti ndizvo. Nguva dzose enzanisa mutengo wose usati waita sarudzo yekupedzisira. Dzidza zvakawanda nezve piggyback yechipiri mortgages. Mawanirwo Erubatsiro Kana uri kumashure pakubhadhara imba yako, kana kuti uchinetseka kubhadhara, unogona kushandisa CFPB Tsvaga Chipangamazano cherunyorwa rwemasangano ekupa mazano edzimba munharaunda yako akatenderwa neHUD. Unogona zvakare kufonera HOPE™ hotline, kuvhura maawa makumi maviri nemana pazuva, mazuva manomwe pasvondo, pa (24) 888-HOPE (995).
Yakawanda sei mortgage life insurance inodhura pamwedzi?
Mortgage inishuwarenzi ishuwarenzi inodzivirira mukweretesi kana muridzi wembangi kana mukwereti akatadza, akafa, kana kutadza kuzadzisa zvisungo zvekondirakiti zvemukwereti. Mortgage inishuwarenzi inogona kureva yakavanzika mortgage inishuwarenzi (PMI), qualified mortgage insurance premium (MIP) inishuwarenzi, kana mortgage zita reinishuwarenzi. Chavanofanana chisungo chekubhadharira mukweretesi kana muridzi wemudziyo muchiitiko chekurasikirwa chaiko.
Inishuwarenzi yehupenyu yeMortgage, kune rumwe rutivi, inonzwika zvakafanana, yakagadzirirwa kuchengetedza vagari venhaka kana mukwereti akafa aine chikwereti chekubhadhara imba. Iwe unogona kubhadhara mukweretesi kana vagari venhaka, zvichienderana nemirairo yepolicy.
Mortgage inishuwarenzi inogona kuuya neyakajairwa mubhadharo weprimiyamu, kana inogona kuwedzeredzwa kuita mubhadharo mumwe chete panguva iyo imba inogadzirwa. Varidzi vedzimba vanofanirwa kuve nePMI nekuda kwe80% yechikwereti-ku-value mutemo vanogona kukumbira kuti inishuwarenzi ibviswe kana 20% yemari yekutanga yabhadharwa. Kune marudzi matatu emortgage insurance:
Mortgage dziviriro inishuwarenzi kana ukafa
Kana uchangobva kutora kiredhiti kana imba yekuenzana mutsara wechikwereti, ungangove wakagamuchira mafashama einishuwarenzi yekudzivirira imba, kazhinji inovanza sekutaurirana kwepamutemo kubva kune mukweretesi, isina ruzivo rudiki pamusoro pezvavari kutengesa.
Mortgage Dziviriro Inishuwarenzi (MPI) imhando yeinishuwarenzi yehupenyu yakagadzirirwa kubhadhara imba kana ukafa, uye mamwe marongero anovharawo mari yekubhadhara imba (kazhinji kwenguva shoma) kana wakaremara.
Inishuwarenzi yenguva yehupenyu yakagadzirirwa kubhadhara mubairo kumunhu (s) kana sangano (s) raunosarudza kana rufu rukaitika mukati menguva yakatarwa. Iwe unosarudza huwandu hwekubatsira uye nguva yenguva. Mutengo uye huwandu hwekubatsira zvinowanzofanana mutemu yose.
Kana iwe uine imba yako, MPI inogona kunge iri kutambisa mari. Uye vanhu vazhinji havadi MPI kana vaine inishuwarenzi yehupenyu yakakwana (kunyangwe kana izvo zvinopihwa zvichitaura zvakasiyana). Kana iwe usina inishuwarenzi yehupenyu yakakwana, funga kutenga yakawanda. Inishuwarenzi yehupenyu hwenguva inogona kunge iri sarudzo inoshanduka uye inokwanisika kune avo vanokodzera.
