Inishuwarenzi yehupenyu inosungirwa muCanada?
Paunotora chikwereti, imwe yemitengo yekuvhara ichava inishuwarenzi yemusoro. Mari yacho inobhadharwa kamwe chete uye mutemo unodzivirira mukweretesi. Iwe unogona zvakare kutenga zita reinishuwarenzi kuti uzvidzivirire, asi hazvidiwi. Hezvino izvo zvaunoda kuziva pamusoro pekuti zita reinishuwarenzi rinovhara sei, kuti inodhura zvakadii, uye kuti unofanirwa kutenga mutemo wemuridzi wesarudzo.
Chirevo chezita chinogona kumuka chero nguva, kunyangwe mushure mekunge wave nemba isina matambudziko kwemakore mazhinji. Zvingaitika sei? Mumwe munhu anogona kunge aine kodzero dzezvivakwa dzausingazive kana iwe uchipa mukana wekutenga nzvimbo. Kunyange muridzi wezvino angave asingazivi kuti mumwe munhu ane chikumbiro panzvimbo yacho. Kana ari mugari wenhaka asina hanya, kunyange munhu ane kodzero idzodzo angasaziva kuti anadzo.
Usati wavhara chikwereti chako chemba, mukweretesi wako anozoodha kutsvaga zita kubva kukambani yemazita. Iyo kambani yemazita inotsvaga marekodhi eruzhinji ane chekuita neimba yako kuyedza kutsvaga chero chakakanganisika muzita: encumbrances, easements, kana encumbrances zvinogona kukanganisa kodzero dzezvivakwa zvemukweretesi kana mutengi.
Inishuwarenzi yehupenyu yemortgage yakakosha here?
Musha / Vatengi Vepamba & Vatengesi / Zvishandiso / Vatengi Vepamba & Vatengesi Nhau MuCanada, inishuwarenzi yemondi inodiwa kana muripo uri pasi pe16% yemutengo wekutenga wemba. Inishuwarenzi iyi inopa vanokweretesa imwezve chengetedzo yemari uye inovadzivirira kubva panjodzi yekutadza kutadza. Nenzira iyi, ivo vanonyanya kuda kubvumidza zvikwereti zvevatengi vaisazokodzera neimwe nzira. Izvi zvinoreva kuti mortgage inishuwarenzi inoita kuti kutenga imba kudhure kune vatengi.
Iyo Canadian Housing and Mortgage Corporation (CMHC) isangano reveruzhinji rinozvidavirira kuParamende uye rinotora basa rakakosha mukutenga dzimba kune vazhinji vagari vekuCanada. CMHC inopa inishuwarenzi yemortgage, sezvinoita vaviri veinishuwarenzi yemongi vepachivande: Sagen (yaimbova Genworth) neCanada Guaranty.
Kuti udzivise kuvhiringidzika, zvakakosha kuziva kuti mortgage inishuwarenzi uye mortgage life inshuwarisi zvinhu zvakasiyana. Inishuwarenzi yehupenyu yeMortgage - inonziwo mortgage protection - inshuwarisi inobhadhara chikamu chechikwereti chako kana ukafa uine imwe mari yakasara. Chinangwa chako ndechekudzivirira mhuri yako kubva pamutoro wekubhadhara pamwedzi wega wega kana kumanikidzwa kutengesa nzvimbo kuti ubhadhare mari yasara. Rudzi urwu rweinishuwarenzi haruna kusungirwa.
Northwest Mutual
Optional mortgage inishuwarenzi rudzi rwekwereti uye chikwereti inishuwarenzi iyo inowanzo kupihwa paunotora kana kuvandudza imba. Optional mortgage inishuwarenzi haidiwi kuti ibvumidzwe kune remba.
Pane miganho yakakosha kuvhavha inopihwa neinosarudzika mortgage inishuwarenzi. Ndapota verenga mutemo wako zvakanyatsonaka uye bvunza kana pane chimwe chinhu chausinganzwisisi usati watenga zvigadzirwa izvi.
Inishuwarenzi yehupenyu yeMortgage chinhu chaunosarudza chinogona kubhadhara mari yako yekubhadhara chikwereti kune anokweretesa kana ukafa. Ichi chigadzirwa ndechekusarudza. Zvinogona kubatsira kana uine vanovimba navo kana wawakaroorana naye anoda kugara mumba mako mushure mekufa kwako, asi haugone kuramba uchibhadhara mari yembavha sepakutanga.
Unogona kutenga mortgage life insurance kuburikidza nemukweretesi wako, kana imwe kambani yeinishuwarenzi kana sangano rezvemari. Tenga uchitenderedza kuti uve nechokwadi chekuti unowana inishuwarenzi yakanakisa pane zvaunoda.
Inishuwarenzi yehupenyu yenguva kana yekusingaperi inogona kuve inodhura-inoshanda pane yekukwereta hupenyu inishuwarenzi. Neinishuwarenzi yenguva kana yekusingaperi, rubatsiro rwekufa, kana mari inobhadharwa kune vako vanozowana, haizodzike panguva yehupenyu hwepolicy. Pakufa kwako, vabatsiri vako vanogona kushandisa mari yeinishuwarenzi kubhadhara chikwereti.
Kanada's best mortgage life insurance
Unoda mortgage insurance? Kana kuti inishuwarenzi yehupenyu inokupa dziviriro yemondi uye nezvimwe? Dzidza musiyano uripo pakati peinishuwarenzi yemortgage uye inshuwarisi yehupenyu. Tsvaga kuti ndeipi yaunoda kuchengetedza imba yako nemhuri.
Mari kubva kuinishuwarenzi yehupenyu inowanzoenda kune vanobatsirwa, kwete kubhangi kana mukweretesi wemba. Vabatsiri vako ndivo vanhu vaunosarudza kuti vagamuchire rubatsiro rwako kana mari mushure mekufa kwako.
Inishuwarenzi yehupenyu, senge inshuwarisi yehupenyu, inosanganisira rubatsiro rwekufa. Mubairo werufu ndiwo huwandu hwemari inopihwa kune vanozobatsirwa kana wafa. Mari chaiyo yauchawana inoenderana nepolicy yawatora.
Kana iwe ukafa uchifukidzwa nehupenyu hwako inshuwarisi purogiramu, vabatsiri vako vachawana mutero wekufa usingabhadhari. Vachakwanisa kushandisa mari iyi kubatsira kubhadhara chikwereti chemba kana chimwe chikonzero. Nenzira iyi, kwete chete imba yako inochengetedzwa, asi mhuri yako zvakare ichave nemari yekuvhara zvimwe zvinodhura zvinoenderana newe.
