Ngokuqhelekileyo, wena (umbolekisi) uhlawule i-premium yenyanga yomshuwalense wabucala we-mortgage insurer (PMI).
Le yindleko eyongeziweyo inyanga nganye, kwaye kuthatha ukulinywa kwinqabileyo yakho. Nangona kunjalo, abanye ababolekisi banikezela ngetyala le-mortgage inshurensi (LPMI), okukuvumela ukunciphisa okanye ukuphepha loo ntlawulo yenyanga.
Ingaba okanye ingengomxholo omuhle ukuthenga nge-20 engaphantsi kweepesenti ukuxhomekeka, kwaye uyisihloko kwenye inqaku.
I-LPMI isebenza njani
I-LPMI i-inshurensi yokubambisa i-inshorensi yakho. Uhlawula i-coverage kwelinye leendlela ezimbini:
- Intlawulo yexesha elilodwa ekuqaleni komboleko wakho (i-"sum-sum")
- Inzala ephezulu emalini-mboleko yakho, okubangele ukuhlawulwa kwenyanga nganye ngenyanga, ngenxa yobomi bakho mboleko.
Indlela yokuhlawula ayifani ngokuqhelekileyo kunokuba isilungiso kwisilinganiso sakho sokuthenga imali .
Ngelishwa, igama le-LPMI alichanekanga kuba umboleki-mali akayi kuhlawula ngokwenene i-inshurensi-uyayenza. Hlalani nikhumbula (ngokukodwa ngemali yokuthengiselana ngemali) ukuba akukho bani uhlawule iindleko ngaphandle kokuba bafumana into ngokubuyisela.
Ukusebenzisa i-LPMI, utshintshe isakhiwo seentlawulo ze-premium ukwenzela ukuba ungalihlawuli imali nganye ngenyanga.
Ukuba uhlawula isamba semali , umnini-mboleko wakho uya kugqiba umlinganiselo abacinga ukuba uya kufikelela kwiindleko zabo. Emva koko, bathenga i-inshurensi yokubolekisa ngemali. Kule meko, uhlawulela ngokukhawuleza ukulungiselela.
Ukuba uhlawula ixesha , umnini-mboleko ulungisa isantya sakho sokuthenga imali ukuze uhlawule iindleko ze-inshurensi. Ngenxa yokuba izinga eliphezulu lokuthenga imali lithetha iintlawulo eziphezulu zenyanga (jonga indlela yokubala iMali ) uza kugqiba ukuhlawula ngaphezulu inyanga nganye ukuba uya kwi-LPMI. Ukuba inkokhelo ephakamileyo kufuneka ibe ngaphantsi kunokuba ungayikhokha ukuba usebenzisa i-PMI ehlukeneyo nganye ngenyanga, kodwa akukho ndlela "yokukhansela" iindleko ezongezelelweyo njengoko uhlawula umboleko wakho .
I-Pros and Cons of LPMI
I-LPMI ayilona wonke umntu. Enyanisweni, akuyena wonke umntu oya kufumana umbolekiso nge-LPMI. Ngokuqhelekileyo kufuneka ube nekhredithi enhle ye-LPMI ukuba ibe yinto ekhethiweyo, kwaye kuqondakala kuphela kwiimeko ezithile.
Iimali-mboleko zesikhashana-mali: I- LPMI ikhangeleka kakhulu kwiimali-mboleko zexesha elifutshane. Ukuba uceba ukufumana imali-mboleko yeminyaka engama-30 kwaye wenze iintlawulo zeminyaka emashumi, ungase ube ngcono kunye nomgaqo-nkqubo we-PMI ohlukeneyo. Ngoba? Kwakhona, ezininzi iimali-mboleko ze-LPMI zisebenzisa i-interest rate (higher) inzala yemithwalo yemali, ngokuchasene neentlawulo zemali eziphambili. Ukuba isantya semali ayiyi kuguquka, ngoko kuya kufuneka uhlawule umboleko ngokupheleleyo ukuba ulahla i-"premium" ye-LPMI. Unokwenza oku okanye ngokuhlawula umbolekiso ngaphandle kokugcinwa kwakho (okulula kunokuba kwenziwe), ukuhlaziywa kwemali mboleko , okanye ukuthengisa ikhaya kunye nokuhlawula ityala.
Ukuthelekisa, jonga umgaqo-nkqubo we-PMI, ongayicima xa usakha ukulingana okwaneleyo kwikhaya lakho. Emva kokukhansela, uyazuza kwi- interest rate engaphantsi- kwaye akukho zintlawulo ze-PMI-malunga nentsholongwane yobomi bakho.
Abafumana umvuzo ophezulu: Kwabo abanokufumana i-LPMI evumelekileyo, kubaluleke kakhulu kubaboleki abaneemali ephezulu. Abo bantu kunye neentsapho banokuzonwabisa ngokunciphisa intela enkulu ngenxa yezinga eliphezulu lomdla (becinga ukuba bathatha iindleko zentengo yemali ). Abantu abanemali ephantsi, ngakolunye uhlangothi, banako ukukrazula i-PMI ekumeleyo, ngoko i-LPMI ayiyi kuzisa nayiphi na inzuzo yerhafu. Kakade, kufuneka uhlale uthetha ne-preparer yakho yerhafu malunga nokuncitshiswa kwamandla-kwaye nokuba yintoni efanelekileyo yokuyiboleka imali mboleko yakho . Le mithetho iyashintsha rhoqo, ngoko jonga ingcali yokubuyiselwa ngaphambi kokuba unqume nantoni na (kwaye ulungele utshintsho emva kokuba wenze isigqibo sakho).
I-LTV ephakamileyo: Ukuba umboleko wakho ukuxabisa ixabiso (LTV) liphantse kuma-80 ekhulwini, i-LPMI mhlawumbi ayiyiyo ingcono yakho ngaphandle kokuba uceba ukukrazula imboleko kungekudala (ngokuhlaziya okanye ukuhlawula). Phantse iipesenti ezingama-80, uphantse uyenze nge-inshurensi yokuthenga imali. Ukuba usebenzisa i-inshurensi ye-inshurensi yee-mortgage endaweni yoko, unokwenza intlawulo ehlukile ngenyanga. Uyakwazi ukususa i-inshurensi ngokukhawuleza, kwaye awuyi kubambelela ngenani lentengo ephakamileyo. Khumbula ukuba kukho iindlela ezininzi zokufumana ngaphezulu kwe-80 ekhulwini i-LTV:
- Ngokwenza iintlawulo, ukwandisa ukulingana kwekhaya, kwaye unciphisa i-LTV yakho.
- Ukuba ixabiso lekhaya lakho liyakwanda ngenxa yemakethe yezindlu eqinile okanye ukuphucula ikhaya, i-LTV yakho iphucula.
Ukufumana i-PMI yakho yokukhansela kwangaphambili kunokubandakanya iindleko zamakhulu angama-dollar ( ukuze ufumane uvavanyo ). Kodwa ukuhlaziywa kwemali kwi-LPMI mboleko kungabiza imali.
Eminye iLPMI
Ukuba i-LPMI ayizwanga ifanelekile, unokuzama iindlela ezahlukeneyo.
Ukuhlawula okuphezulu: Ukubeka ubuncinane ubuncinane kuma-20 ekhulwini, ususa imfuno yokuhlawula i-PMI. Nangona kunjalo, abathengi abaninzi abanalo khetho.
Thenga i-PMI yakho: Unokuhlala uhlawula i-PMI yakho (ngezinye iinkqubo kuthiwa yi-inshorensi ehlawulwayo yesikhorensi okanye i-BPMI) ngenyanga. Usuke wambona imizekelo embalwa yeemeko apho i-PMI elula ilula kuneLPMI ngasentla.
I-Piggyback: Unokuzama ukudibanisa iimali-mboleko zokuphepha i-PMI, nangona ufuna ukuhlaziya ngokucophelela amanani. Isicwangciso se-piggyback, esaziwa ngokuba ngumboleko we-80/20, sinye kuphela. Le mboleko ayiqhelekanga njengokuba yayiqhelekile, kodwa iyafumaneka. I-piggyback ikuvumela ukuba ugweme i-inshurensi yokuthenga inzuzo ngokupheleleyo, kodwa i- mortgage yakho yesibini iya kuza nezinga eliphezulu lomdla. Ukuba unokuhlawula ngokukhawuleza imali yesibini yokuthenga imali, ekugqibeleni uyakufumana inqanaba lokuhlawula imali elingaphantsi (elingenakwandiswa yi-LPMI) kwiminyaka ezayo.
Imali-mboleko yokuhlawula phantsi: Iinkqubo ezininzi zemboleko zivumela iintlawulo ezincinane. Ngokomzekelo, iimali-mboleko ze-FHA ziyafumaneka kunye ne-3.5%. Kufuneka uhlawule i-inshurensi yokubolekisa, kodwa loo mboleko ingaba yinto engcono yokuboleka abanye. Iimali-mboleko ze-VA zivumela ukuba zihlawule , kwaye azidingi i-inshurensi yokuthenga.