I-PMI yenzani?
I-PMI yafakwa kwindawo yokukhusela iibhanki eziboleka imali kuwe. Kuya kunceda ibhanki iphinde ithole ukuba ngaba uya ku-default kwi-mboleko yakho kwaye uya kwi-foreclosure. Akukukhuseli wena, umbolekayo, nangona kunjalo. Ukuba uyeka ukwenza iintlawulo, uya kulahleka lakho ikhaya. Abangenayo i-inshurensi yabanini kwaye abayikukhusela impahla yakho okanye ipropati yakho xa indlu yakho ibhujiswa. Kukho ukunceda ibhanki ukuba ibuyele kwakhona ukuba ngaba uya kuhlawulwa ngemboleko yakho.
Ngaba Ndingakuphepha I-PMI?
Unako ukukhusela i-inshurensi ye-PMI ngokuthatha imali mboleko yesibini yemali eyongezelelweyo ofuna ukuyimboleka. Le yindlela yokwenza imali yokudala. Imali yakho mboleko iya kuba yi-80/20 okanye i-80/15/5, kunye neentlanu zihlawula phantsi. Ukuba ukhetha ukwenza oku, kubalulekile ukuba uqaphele ukuba kufuneka udibanise iindleko zeemali-mboleko kunye xa ucinga ukuba ungabakholeka kangakanani.
Unokuba ngcono ekukhuselekeni intlawulo yekhaya lakho .
Ukongezelela, ukuba ungumngcipheko wekhredithi, usenokuba uhlawula umngcipheko wakho ngezinga eliphezulu. I-PMI inokujongwa njengento engalunganga, kodwa kuxhomekeka kwimali-mboleko oyifunayo. Ukuba unayo i-PMI kwimboleko ephantsi, ungagcina ugcina imali ngexesha elide, kunokuba uhlawule umyinge ophezulu wemali yonke yemboleko.
Kubalulekile ukujonga yonke umfanekiso xa ukhetha umboleko wakho.
Indlela efanelekileyo yokuphepha iPMI kukugcina imali yokuhlawula ngaphambi kokuthenga ikhaya. Oku kungathatha ixesha kwaye kunokukhathazeka xa uziva unyanzelekile ukuthenga ikhaya ngoku. Nangona kunjalo, ukulingana okongeziweyo kwindlu yakho kunokukwenza kube lula kuwe ukuba uthenge ikhaya elincinci kwaye kuya kuthatha uxinzelelo ukuba ufuna ukuthengisa ikhaya lakho kwikamva ngenxa yokuhamba. Inokukunceda ukuba ugweme ukuhlaselwa phantsi. Ngokubanzi, yenza inkqubo yonke yokuba nekhaya ibe lula kakhulu.
Ngaba i-PMI indikhusela ukuba andinako ukwenza iiNtlawulo zam?
Abanye abanikazi bezindlu bacinga ngephutha ukuba i-PMI iya kubakhusela xa bengenakukwazi ukwenza iintlawulo okanye banokucinga ukuba bane-inshurensi yomninikhaya kunye ne-PMI. Oku akunjalo. Inqubomgomo yomshuwalense kubhankini ofuneka ukuba uyihlawule. Ukuba uyeka ukwenza iintlawulo, ungalahlekelwa ngumzi wakho, kwaye kubalulekile ukuqinisekisa ukuba uyaqonda oku. Ngethuba nje unemali mboleko kwindlu yakho, kufuneka ube ne-inshurensi yomninikhaya. Iyafuneka ibhanki, kodwa kufuneka ube nayo emva kokuba uyihlawule lakho ikhaya.
Ndinokuyicima i-PMI?
Kubalulekile ukuba uqaphele ukuba unokukhenxisa i-PMI emva kokuba uhlawule imali yakho phantsi ukuze ube neepesenti ezingamashumi asibhozo ekhaya lakho.
Nangona kunjalo, oku kungathatha ixesha elide kunokuba uqaphele, kuba ipesenteji enkulu yeentlawulo zakho zokuqala ziya kumdla, kwaye kakhulu kuncinci kuya kumgaqo wakho. Abanye ababolekisi baya kukuvumela ukuba ukhansele i-PMI emva kweminyaka emibili ngeentlawulo zexesha.
Amabhanki akayi kukhansela i-PMI ngokuzenzekelayo xa ufikelela kwindawo ongasayi kuyidinga ngayo. Ukuba uyazi ukuba wakha ukulingana okwaneleyo ekhaya lakho, unokubiza iibhanki yakho kwaye ubuyekeze umboleko wakho ukuba imfuno ye-PMI iyancipha. Oku kuya kwenza ukuba inkokhelo yakho yendlu ifikeleleke kakhulu kwixesha elizayo. Ukuba uthengela ikhaya ngaphandle kokuhlawula ngenkqubo efana ne- FHA mboleko , kufuneka uthathe i-PMI ingqalelo xa uceba isabelomali esitsha. Oku kuya kukugcina ukuba ungathengi ikhaya elingakumbi kunokuba unako ukufikelela .