Munhu asingafaniri kutora insurance yeproperty.
Zera rezvinhu zvakawanda rinokanganisa huwandu hwemuripo wakabhadharwa kwavari. Izvi zvidiki padanho reExtensivePlus rekushandisa. Kazhinji, mutengo unodzikira gore rega rega mushure mekutenga. Semuenzaniso, kukosha kwemidziyo yemumba nemabhasikoro kunoderedzwa ne9%, kukosha kwemagirazi ne15% uye kukosha kweserura ne25% gore rega rega. , zvichaonekwa zvakafanana kwemamwe makore maviri. Zvimwe zvinhu zvakawanda zvinowedzera makore matatu.Mienzaniso:
Hapana rondedzero yakasiyana yezvikonzero zvekurasikirwa kwakavharwa. Iwe uchabhadharwa chero bedzi kurasikirwa kwakaitika kamwe kamwe uye zvisingatarisirwi. (Inishuwarenzi haivharidzi kupera uye kubvarura kunokonzerwa nekushandiswa kwakajairwa, kunonoka kuora kana zvinhu zvakaputswa nechinangwa, semuenzaniso).
Muenzaniso: Nekuda kwekubirwa zvitupa, wagamuchira mabhiri asina kutsigirwa awakamhan'ara kumapurisa. Nekudaro, iye akapa invoice haana kusiya zvayaida. Mumamiriro ezvinhu aya, unogona kutora rubatsiro rwegweta rekuFinnish kuti urambe zvichemo.
Zvakadini kana uine chikwereti chemba uye usina inishuwarenzi yepamba?
Kana uchizotenga imba yako nerendi, kutora inishuwarenzi yepamba kazhinji kunosungirwa. Iwe unogona kutenderwa kuti utore imba, asi chete nemamiriro ekuti iwe unotora inishuwarenzi yakakwana usati watenga.
Nguva yakakosha pakufambisa imba, kunyanya kana uri mucheni. Iwe haudi kuita kana kukanganwa chero chinhu chinganonotsa zvinhu. Naizvozvo, zvakakosha kutora inishuwarenzi yepamba panguva yakakodzera.
Kana iwe ukasatora inishuwarenzi yepamba panguva yekusaina kondirakiti, unogona panjodzi yekubvisa iyo mortgage. Izvi zvinogona kukanganisa kutenga kwese, uye kunyange kudonha ketani, saka inobhadhara kurongeka.
Pane zvimwe zvikonzero zvakakosha zvekutora inishuwarenzi yevaridzi vemba, kunze kwekuve chinhu chinosungirwa kuti uwane remba. Muchokwadi, ndechimwe chezvinhu zvinonyanya kukosha kufunga kana uchitenga imba.
Iyi mhando yekuvhara imba inokupa iwe yakakosha mambure ekuchengetedza kana zvakanyanya kuitika. Inovhara chimiro chese cheimba, kubva kumadziro, pasi uye denga kusvika kumagaraji, mashedhi uye fenzi. Kuiswa kwechigarire semadhireni, tambo, uye pombi zvinosanganisirwawo.
Imba ingatengeswa pasina inishuwarenzi here?
Inishuwarenzi yekuvaka inobhadhara mari yekuvakazve imba yako kana yaparara kana kuparadzwa. Zvinowanzodiwa kana ukaronga kutenga imba yako nechikwereti uye ungasakwanisa kuiwana usina inishuwarenzi yekuvaka.
Inishuwarenzi yekuvaka inobhadhara mari yekugadzirisa kukanganisa kwechimiro chemba. Magaraji, mashedhi nemafenzi zvakavharwawo, sezvakaitawo mutengo wekutsiva zvinhu zvakaita sepombi, tambo nemadhireni.
Inishuwarenzi yekuvaka ichave mamiriro eiyo mortgage uye inofanirwa kunge yakakwana kuti ivhare iyo yasara yembavha. Mukweretesi anofanira kukupa sarudzo yeinishuwarenzi kana kukubvumidza kuti usarudze iwe pachako. Iwe unogona kuramba sarudzo yako yeinishuwarenzi, asi haugone kuvamanikidza kushandisa yako inishuwarenzi mutemo, kunze kwekunge yako yekutenga imba inosanganisira inishuwarenzi.
Kana iwe ukatenga imba, unofanirwa kutora inishuwarenzi yezvivakwa panguva yekusaina chibvumirano. Kana iwe ukatengesa imba, une basa rekuichengeta kusvika kutengeswa kwapera, saka unofanirwa kuchengetedza inshuwarisi yekuvhara kusvika panguva iyoyo.
Kusina inishuwarenzi yepamba
Kana njodzi yarova, zvakakosha kuchengetedzwa, kunyanya kana zvasvika pakudyara kukuru senge imba yako. Usati wavhara pamusha mutsva, ungangoda kutora inishuwarenzi yekumba kuti uvhare pfuma yako kuti ingangokuvara.
Kunyangwe iwe uchingonzwisisa kuti inishuwarenzi yemba yakakosha, unogona kunge uine mibvunzo yakawanda pamusoro pekuti chii uye kuti ungaiwana sei. Ichi chinyorwa chinotarisa zvakadzama kuti chii chinovhara inishuwarenzi yepamba uye kuti inodhura zvakadii, saka unogona kunzwisisa zviri nani mhando yedziviriro inowanikwa kwauri.
Inishuwarenzi yepamba, kana kuti inishuwarenzi yevaridzi vemba, inovhara kurasikirwa nekukuvadzwa kwemba yako, pamwe nezvinhu zviri mukati mayo. Inishuwarenzi inowanzobhadhara mari inodiwa kudzorera kukosha kwepakutanga kweimba kana pakaitika kukanganisa.
Inishuwarenzi iyi haisi kukudzivirira chete, asiwo mukweretesi wako. Ndicho chikonzero, kana iwe uchida kutora chikwereti, mukweretesi wako kazhinji anoda humbowo hwekuti watora inishuwarenzi yepamba usati wawana mari yako, uye kuona kuti unozokwanisa kubhadhara chero mabhiri ekugadzirisa mushure mechiitiko chinogona kuitika.
