Ngaba kunyanzelekile ukuthatha i-inshurensi engahlawulelwayo kwi-mortgage?

Yintoni i-inshurensi ye-mortgage yomboleki? Kagakanani?

Njengomntu waseKhanada ojonge ukuthenga ikhaya, uya kufunda ngokukhawuleza ukuba i-inshurensi yemali-mboleko yinto onokuthi uyifune, ngakumbi ukuba uceba ukubeka intlawulo engaphantsi kwe-20%. Ngokomthetho, iibhanki zaseKhanada zinokubonelela kuphela ngenkxaso-mali yokubambisa kubanini-zindlu abafanelekileyo kunye nobuncinci bentlawulo ephantsi, ngaphandle kokuba i-mortgage ifakwe kwi-inshurensi ngokuchasene nokusilela. Nangona ingavakali ngathi yimali eninzi, i-20% inokuba sisixa esikhulu ngokuxhomekeke kuhlobo lwekhaya olikhangelayo, apho ukhoyo, kunye nokuba yintoni efunwa yimarike yendawo yakho. Funda ngakumbi ngexabiso lokuba ne-inshurensi ye-mortgage engagqibekanga kwaye ithetha ukuthini ngokwembono yomthengi.

Ukubeka nje, i-inshurensi ye-mortgage engagqibekanga ikhusela umbolekisi xa "uhlala uhleli" kwi-mortgage-oko kukuthi, ukuba awukwenzi iintlawulo ezithenjisiweyo xa usayine amaxwebhu xa uvala. Kubalulekile ukuqaphela ukuba olu khuselo aluyi kukukhusela njengomboleki. Injongo yabo kukunciphisa inqanaba lomngcipheko wombolekisi ngokukunika into oza kubuyela kuyo ukuba uyaphoswa ukuphela kwesivumelwano ngeentlawulo zakho. ECanada, nayiphi na imali-mboleko enentlawulo ephantsi engaphantsi kwe-20% iya kufuna i-inshurensi ye-mortgage default:

Yintoni i-inshurensi yokubambisa eCanada? kunye neSagen

Urhulumente waseKhanada ufuna ukuba ube ne-inshurensi ye-mortgage loan ukuba uthenga ikhaya elinentlawulo engaphantsi kweepesenti ezingama-20 zeendleko zizonke. Akufunekanga ubhidaniswe ne-inshurensi ye-mortgage life, eyenye imveliso ehlala ithengiswa ngababolekisi.

Ezi ziindaba ezimbi. Le inshorensi ayikukhuseli ngenene ukuba awukwazi ukuhlawula imali yakho yokubambisa. Ibuyekeza ababolekisi bezindlu ukuba awuhlawuli. Ngoko ke, nokuba uhlawula iipremiyamu, awuzukufumana mbuyekezo ukuba uhlawulwe.

Ewe, ukuba awunayo i-20% yentlawulo ephantsi. Ivumela abantu ukuba bathenge ikhaya kunye nentlawulo engaphantsi komyinge we-5 ekhulwini. I-Canadian Housing and Mortgage Corporation (CMHC) inemigaqo ethile kwi-inshurensi ye-mortgage credit.

Imiselwa njani ipremiyamu ye-inshorensi ye-mortgage? Iprimiyamu ibalwa njengepesenti yemali mboleko kwaye isekelwe kwisixa sentlawulo ephantsi. Okukhona iphezulu ipesenti yexabiso lilonke lekhaya/ixabiso olibolekileyo, kokukhona uya kuhlawula kwizavenge zeinshorensi ezisilelayo zokubambisa. Nali ikhonkco kwi-CMHC yamaxabiso e-inshurensi ye-mortgage evela kwi-Canada Mortgage and Housing Corporation.

Ngaba i-inshurensi yokungagqibeki kwe-mortgage inyanzelekile?

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).

Yintoni iprimiyamu ye-inshurensi yokubambisa ye-FHA?

I-inshurensi ye-mortgage engagqibekanga ifunwa nguRhulumente waseKhanada xa abathengi bezindlu bebeka phantsi ngaphantsi kwe-20% yentlawulo ephantsi efunekayo ukuze ulungele ukufumana imali-mboleko yesiqhelo. Olu hlobo lwe-inshurensi lubuyekeza ababolekisi bezindlu ngelahleko ebangelwe kukungahlawulwa kwe-mortgage. Esona sizathu siqhelekileyo sokungahlawulisi imali yokubambisa.

Ukuze ufumane i-inshurensi yokuboleka imali, kuya kufuneka uqale uhlangabezane neemfuno zebhanki yakho, kunye nemithetho yokubhala phantsi kwe-inshurensi ye-mortgage. I-inshurensi ibonelelwa ngabaninzi be-inshurensi yokubambisa, kuquka i-Canada Mortgage and Housing Corporation (CMHC).