i-inshurensi yokukhusela i-mortgage
Kufuneka ube neentlobo ezithile ze-inshurensi kwikhaya lakho. Ukuba awuyithathi ipolisi enyanzelekileyo ye-inshorensi, i-inshurensi yakho iyaphelelwa okanye awunayo i-inshorensi yaneleyo, sikuthathela ipolisi. Senza oku ukuze ikhaya lakho lilungiswe okanye lakhiwe kwakhona ukuba lonakele. Le nto ibizwa ngokuba yi-inshorensi ebekwe ngumbolekisi, kwaye inezithintelo ezimandundu xa kuthelekiswa neepolisi ezininzi ze-inshorensi.
Ukuba umbolekisi obekwe ipolisi ye-inshurensi iyafuneka, siya kongeza iindleko kwintlawulo yakho yenyanga yokubambisa. Siya kuyigcina kwi-akhawunti ye-escrow de amatyala e-inshurensi ahlawulwe. Siya kuthi ke sisebenzise loo mali ukuhlawula amatyala egameni lakho.
Ukurhoxisa i-inshurensi ethengwe ngumbolekisi, kufuneka uthenge ipolisi ngokwakho okanye ukwandise ukhuseleko kwisixa esifunekayo. Ukuqinisekisa ukufaneleka kwakho, sithumelele ikopi yephepha lezibhengezo zepolisi yakho (idla ngokuba liphepha lokuqala). Siya kuyirhoxisa i-inshorensi ekungenwe kuyo ngumbolekisi sakuba siqinisekisile ukuba une-inshorensi eyaneleyo.
I-inshurensi ye-mortgage kwimeko yokufa okanye ukukhubazeka
Lumkela i-"Piggyback" ye-Mortgages yesiBini Njengenye indlela ye-inshurensi yokubambisa, abanye ababolekisi banokunikezela ngento eyaziwa ngokuba yi "piggyback" yemali mboleko yesibini. Soloko uthelekisa iindleko zizonke phambi kokuba wenze isigqibo sokugqibela. Funda ngakumbi malunga ne-piggyback mboleko yesibini. Indlela yokufumana Uncedo Ukuba usemva kwintlawulo yakho ye-mortgage, okanye unobunzima bokwenza iintlawulo, ungasebenzisa i-CFPB Fumana isixhobo soMcebisi kuluhlu lwee-arhente zokucebisa ngezindlu kwindawo yakho ezivunywe yi-HUD. Ungatsalela umnxeba umnxeba weHOPE™, uvule iiyure ezingama-24 ngosuku, iintsuku ezisixhenxe ngeveki, ku-(888) 995-HOPE (4673).
Ingaba yimalini i-inshurensi yobomi be-mortgage ngenyanga?
I-inshurensi ye-Mortgage yipolisi ye-inshorensi ekhusela umbolekisi okanye umnini-mali mboleko kwimeko apho umboleki akaphumelelanga, wafa, okanye akakwazi ukuhlangabezana nezibophelelo zekhontrakthi ye-mortgage. I-inshurensi ye-mortgage inokubhekisa kwi-inshurensi ye-mortgage yangasese (i-PMI), i-inshurensi ye-inshurensi ye-mortgage eqinisekisiweyo (i-MIP), okanye i-inshurensi ye-mortgage title. Into abanayo ngokufanayo yimbopheleleko yokuhlawula umbolekisi okanye umnini wepropati xa kukho ilahleko ethile.
I-inshurensi yobomi be-Mortgage, kwelinye icala, evakala ngokufanayo, yenzelwe ukukhusela iindlalifa ukuba lowo ubolekayo uyafa ngelixa enetyala lentlawulo yokubambisa. Unokuhlawula umbolekisi okanye iindlalifa, kuxhomekeke kwimigaqo yepolisi.
I-inshurensi ye-mortgage inokuza nentlawulo yeprimiyamu eqhelekileyo, okanye inokudityaniswa ibe yintlawulo enye ngexesha lemali yokubambisa. Abanini-zindlu ekulindeleke ukuba babe ne-PMI ngenxa yomgaqo we-80% yemali-mboleko-kwixabiso banokucela ukuba ipolisi ye-inshorensi irhoxiswe xa i-20% yebhalansi eyintloko ihlawulwe. Kukho iintlobo ezintathu ze-inshurensi ye-mortgage:
I-inshurensi yokukhusela i-mortgage kwimeko yokufa
Ukuba usandula ukuthatha imali yokuthenga ngetyala okanye i-equity line yetyala, kusenokwenzeka ukuba ufumene izandyondyo ze-inshorensi yokhuseleko lwe-mortgage, ehlala ifihliwe njengonxibelelwano olusemthethweni oluvela kumbolekisi, kunye neenkcukacha ezincinci malunga nento abayithengisayo.
I-Inshurensi yoKhuseleko lwe-Mortgage (MPI) luhlobo lwe-inshurensi yobomi eyenzelwe ukuhlawula imali-mboleko kwimeko yokufa kwakho, kwaye ezinye iipolisi zikwahlawula iintlawulo ze-mortgage (ngokuqhelekileyo ixesha eliqingqiweyo) ukuba uyakhubazeka.
I-inshorensi yobomi bexeshana yenzelwe ukuhlawula ibhenefithi kumntu(kubantu) okanye kwimibutho oyityumbileyo ukuba ukufa kuyenzeka ngexesha elithile. Ukhetha inani lenzuzo kunye nexesha lexesha. Ixabiso kunye nemali yenzuzo idla ngokufana kulo lonke ixesha.
Ukuba ungumnikazi wekhaya lakho, iMPI inokuba yinkcitho yemali. Kwaye abaninzi abantu abayidingi i-MPI ukuba bane-inshurensi yobomi eyaneleyo (nokuba izibonelelo zithetha ngenye indlela). Ukuba awunayo i-inshurensi yobomi yaneleyo, cinga ngokuthenga ngaphezulu. I-inshurensi yobomi bexeshana kunokwenzeka ukuba ibe yindlela ebhetyebhetye ngakumbi kwaye efikelelekayo kwabo bafanelekileyo.
