Inishuwarenzi yepamba inosanganisirwa mumondi here?
Inishuwarenzi yezita inovhara nyaya dzekudarika, sekunge iyo yekuseri yakadururwa iri paimba yemuvakidzani wako uye inoda kubviswa. Inovharawo zvikanganiso zveongororo pamwe nekubiridzira kwezita, kunova kana munhu akashandisa chitupa chekunyepa kuti atore zita renzvimbo yako obva atora remba kana kutengesa imba iwe usingazive.
Gara uchiverenga gwaro rako nekungwarira kuti uone kuti zita rako inishuwarenzi inovhara chii. Panogona kunge paine zvisizvo zvakaita senjodzi kwezvakatipoteredza (senge ivhu rakasvibiswa), kutyorwa kwemirau yekuronga (semuenzaniso, kana iwe ukapedza yako yepasi pasi pasina mvumo, nezvimwewo).
Mhando mbiri huru dzeinishuwarenzi yezita ipolicy yemuridzi uye mutemo wemukweretesi. Varidzi vedzimba vanoda mutemo wemuridzi, nepo mutemo wemukweretesi unodzivirira mukweretesi wako kubva pakurasikirwa kupi kunogona kuitika kana imba yembavha isingashande. Nepo mutemo wemuridzi wemba uripo wemutengo wakakwana wekutenga, kuvharwa kwepolicy yemukweretesi kunowanzoenderana nehuwandu hwembandi.
Inishuwarenzi yepamba inovhara kurasikirwa uye kukuvadzwa kwekugara, pamwe nezvimwe zvivakwa paimba mune zvimwe zviitiko. Kune akawanda akasiyana marongero pamusika, asi kazhinji, kune marudzi matanhatu edziviriro mumazhinji marongero.
Muenzaniso wemortgage clause
MuAustralia, nguva dzekugadzirisa dzinogona kutaurirana, asi dzinogara mazuva makumi matatu, makumi matanhatu kana makumi mapfumbamwe. Nguva yekugara yakajairika mazuva makumi matanhatu, kunze kwekunge muNew South Wales uko kugara kunowanzo mazuva makumi mana nemaviri. Iyi nguva inofanirwa kunge yakakwana kuti mutengi nemutengesi varonge zvinhu zvinoda kuitwa zvisati zvagadziriswa, senge.
Kuziva bato rine basa rekuona kuti midziyo inovharwa neinishuwarenzi yemba kana yatengeswa zvinoenderana nekondirakiti yako uye nyika kana dunhu raunogara. Mune dzimwe nyika, mutemo wenyaya iyi hauna kujeka, saka ruzivo rwunopihwa pano rwunobva pane zvakajairwa zvibvumirano.
MuAustralia Capital Territory (ACT), South Australia (SA) neTasmania, mutoro wekukuvadza kazhinji unosara pamutengi panguva yekugadziriswa. Kana iwe uri mutengi, unofanirwa kutora inishuwarenzi isati yachinjana zvibvumirano; kana zvisina kudaro, iwe unogona kubhadhara kubva muhomwe yako kune chero kukanganisa kunonzwisisika kune pfuma (somuenzaniso, kubva kune dutu).
Mutengi ndiye ane mhosva yekukuvadza chero kupi kwemudziyo mushure mezuva rekugadzirisa. Izvi zvinoreva kuti, nehunyanzvi, mutengesi ane mutoro kusvika panguva iyoyo. Nekudaro, zvingave zvinobatsira kukanganisa padivi rekuchenjerera uye kuita inishuwarenzi chibvumirano kubva panguva yekusaina kontrakiti.
Chii chinonzi mortgage clause yeinishuwarenzi
Waita basa rakaoma uye wagadzirira kutenga imba yako itsva. Inishuwarenzi yekuvaka inowanzodiwa nevakweretesi (ipfungwa yakanaka kwazvo kuva nayo, zvakadaro). Zvisinei, mubvunzo wenguva yekutenga inishuwarenzi yevaridzi vemba wakaratidza kuvhiringidza. Iri panguva yekuzvitakura here? Kana kuti kondirakiti ikasainwa?
Mhinduro yacho ingaenderana nedunhu kana kuti nharaunda yaunogara. Izvo zvinoenderanawo nekontrakiti yako. Mune dzimwe nyika panogona kunge paine kushaikwa kwemitemo yakananga, saka ruzivo rwataunganidza pano rwunobva pazvibvumirano zvinonyanya kushandiswa. Asi, pakupera kwezuva, izvo mutengi nemutengesi vanobvumirana nazvo uye kusaina mazita avo kazhinji ndizvo zvinozosarudza.
Iwe unozofanirwa kutaura negweta rako kana mumiriri nezve pauchave nemutoro wemba. Asi kuQueensland, mutengi anowanzo kusungirwa kubva 17pm pazuva rinotevera rebhizinesi mushure mekunge mapato ese asayina kondirakiti.
Kusiyana neQueensland, muVictoria neNew South Wales mutengi ane mhosva yekukuvadza pazuva rekugadzirisa. Nehunyanzvi, nzvimbo iyi ibasa remutengesi kusvika zuva rekugadzirisa, asi zvinokurudzirwa kuti vatengi vatore inishuwarenzi kubva panguva iyo mutengesi anosaina chibvumirano, kuti ave parutivi rwakachengetedzeka.
Ndingaziva sei kuti inishuwarenzi yemba yangu ndeye ani?
Kana uchienzanisa mitengo, zvakakosha kuti maprimiyamu agoneke, pamwe neiyo franchise. Iyo yakakwira franchise, iyo yakaderera iyo premium. Semuenzaniso, kana ukasarudza $1.000 franchise, ungangove uine yakaderera premium pane munhu ane $200 franchise. Sarudza kuti imarii yaungabhadhara kana chimwe chinhu chikaitika.
Pane mitemo yakasiyana iripo. Vamwe vanopa rubatsiro rwekutanga kune njodzi dzine mazita akaita semoto, kuba, mamwe marudzi ekukuvara kwemvura, kukuvara kweutsi, uye kuparadza, pamwe nezvimwe zvinhu zvaungasatarisira: mheni, kuputika, zvinhu zvinodonha, uye kunyangwe kukanganisa kubva mundege. Mimwe mitemo yakazara iyo inowanzovhara njodzi dzakawanda kune chivakwa nezviri mukati, asi ine zvimwe zvinosiya.
Inishuwarenzi yepamba haina kumira uye zvaunoda zvinoshanduka nekufamba kwenguva. Kana iwe wakawedzera kukosha kweimba yako kuburikidza nekuwedzera kana kugadziridza, zvakakosha kuti uzivise chipangamazano wako wezvemari kuti vagone kuve nechokwadi kuti hauna underinsured.
