Inishuwarenzi yakanakisa yekudzivirira mortgage muUK
Sign InSamantha Haffenden-AngearYakazvimirira Dziviriro Nyanzvi0127 378 939328/04/2019Kunyange zvazvo kazhinji zvine musoro kufunga kutenga Life Inishuwarenzi kuti uvhare chikwereti chako chembandi, kazhinji hazvidiwi.Zvakakosha kufunga nezvekuti vadikani vako vangaite sei nechikwereti chemba. waifanira kufa. Tichifunga nezve mutengo weinishuwarenzi yehupenyu, kana iwe uine waunoshanda naye kana mhuri, zvinowanzo fanira kufunga, zvisinei nekuti zvinomanikidzwa here kana kwete. Inishuwarenzi yakareruka yemortgage term inobhadhara mari yakawanda yakaenzana nechikwereti chemondi chasara, zvichibvumira vadikani vako kubhadhara mari yasara voramba vari mumba yemhuri yavo. Kana iwe uri kutenga imba wega uye usina mhuri yekudzivirira, saka Mortgage Hupenyu Inishuwarenzi inogona kunge isina kukosha zvakanyanya. Kana iwe uchida kuwana zano remutengo weHupenyu Inishuwarenzi, ingo pinza ruzivo rwako pazasi uye utore Mortgage Hupenyu Inishuwarenzi makotesheni pamhepo kubva kuUK's epamusoro gumi einishuwarenzi. Hezvino zvimwe zvikonzero nei zvine musoro kutaura nesu.
Chii chinoitika kuinishuwarenzi yehupenyu kana chikwereti chabhadharwa?
Chii chinonzi mortgage pay protection insurance? Mortgage yako ingangove yako yakakura pamwedzi inobuda. Kana watadza kushanda nekuda kwehurwere kana kuregeredzwa, waizofanira kuramba uchibhadhara miripo kana njodzi yekurasikirwa nemba yako. Pane nzira mbiri huru dzekuzvidzivirira: unogona kutora inishuwarenzi chaiyo yekudzivirira kuti uvhare mari yako yekubhadhara imba, kana inishuwarenzi yekudzivirira mari yakawanda (apo mubhadharo waungagamuchira unogona kushandiswa chero chinhu). Mortgage Payment Protection Insurance (kana kuti “MPPI”) inokutendera kuti urambe uchibhadhara imba yako yemba kana ukarasikirwa nemari yakachengeteka. Iwe unogona kudzidza zvakawanda nezve inishuwarenzi yekuchengetedza mari mune yedu yakazara gwara. Unoda kutora inishuwarenzi yekudzivirira? Wedu LifeSearch inokubatsira kuronga kuvharwa nemamwe mainishuwarenzi eUK anotungamira. Wana mazano izvozvi. Ndeapi marudzi akasiyana eMPPI? Muzhinji, kune marudzi matatu einishuwarenzi yekudzivirira yekubhadhara chikwereti: "kushaya basa chete", "tsaona uye kurwara chete" uye "tsaona, kurwara uye kushaya basa".
Inishuwarenzi yekudzivirira yehurovha yemortgage
Paunenge uchinyorera imba yemba, mukweretesi anowanzoda mubhadharo wepasi wakaenzana ne20% yemutengo wekutenga wemba. Kana mukwereti asingakwanisi kuwana mari iyoyo, mukweretesi angangoona chikwereti chacho semari ine ngozi uye anoda kuti anotenga imba atenge PMI, inozivikanwawo seinishuwarenzi yakazvimirira, sechikamu chekutora imba yacho.
Imwe yenzira dzengozi dzinoshandiswa nevakweretesi pavanenge vachinyora pasi chikwereti chechikwereti-ku-value (LTV) chikamu chechikwereti. Iyo LTV inokamura mari yechikwereti nekukosha kwemba. Zvikwereti zvakawanda zvine reshiyo yeLTV yakakura kupfuura 80% inoda kuti mukwereti ave nePMI, sezvo ivo vachionekwa sevanotadza kubhadhara chikwereti.
PMI inowanzobhadharwa pamwedzi sechikamu chekubhadhara kwakazara kwembandi kune mukweretesi, asi dzimwe nguva inobhadharwa semubhadharo wemari pamberi pakuvhara. PMI haisi yechigarire: inogona kubviswa kana mukwereti achinge abhadhara mari yakakwana yemukuru wemortgage. Chero bedzi mukwereti ari iye zvino pamubhadharo wavo, mukweretesi anofanira kukanzura PMI pazuva iro chikwereti chechikwereti chasvika 78% yemutengo wepakutanga wemba (nemamwe mazwi, kana mukuru asvika 22%).
Mortgage life insurance inosungirwa muUK
Pamwe waifanira kuwedzera yakavanzika mortgage inishuwarenzi (PMI) kuchikwereti chako chakajairika kana wakatenga imba ine isingasviki makumi maviri muzana pasi. PMI inogona kuwedzera mazana emadhora kumubhadharo wako wepamwedzi, asi haufanirwe kuibhadhara zvachose.
PMI imhando yeinishuwarenzi inochengetedza mukweretesi wako kana ukatadza kubhadhara chikwereti chako kana kuenda mukuvharirwa. PMI haina kukudzivirira iwe semuridzi wemba, asi iwe unofanirwa kubhadhara pamwedzi mari yeinishuwarenzi kune wako mukweretesi.
Zvakakosha kuziva mutsauko pakati pePMI nemamwe marudzi einishuwarenzi. Semutengi, bhenefiti chete yaunowana kubva kuPMI kugona kutenga imba pasina kumirira mari ye20% yekubhadhara pasi.
Iyo BPMI ndiyo yakanyanya kunanga uye yakapusa mhando yePMI. Mukweretesi wako anowedzera muripo wePMI pakubhadhara kwako pamwedzi BPMI. Iwe unozofanirwa kuramba uchibhadhara idzi mari dzeBPMI kusvika wasvika makumi maviri muzana equity mumba mako. Kana chikumbaridzo ichi chasvika, unogona kukumbira kukanzurwa.
LPMI inokubvumira kuti udzivise kuwedzera mubhadharo kubhadharo yako yepamwedzi. Pane kudaro, unobvuma kune yakakwira zvishoma mubereko pane yaungawana usina PMI. Zvakakosha kuyeuka kuti, kusiyana neBPMI, haugone kukanzura LPMI. Iyo LPMI inochengetwa kwehupenyu hwese hwechikwereti uye uchafanirwa kuenderera mberi uchibhadhara mubereko wakafanana mushure mekusvika makumi maviri muzana emukuru wechikoro.
