Yiyiphi i-Private Mortgage Insurance kunye nendlela yokuyiphepha
I-inshurensi yangasese yemali, okanye i-PMI, yintyhuwalense yokuba ababolekisi bafuna ababolekisi ukuba babe ne-mortgage kwaye abanakho ukulingana okwaneleyo ekhaya. Kubathengi abaninzi abafuna ukuthenga imali, ukuphepha ukuhlawulwa kweendleko ze-PMI kuthetha ukuza kunye nentlawulo ye-20% xa kuthengwa ikhaya .
Ngelishwa, akulula ngaso sonke isikhathi ukuba abathengi abatsha bekhaya bafike ngelo hlobo lwemali, kodwa kukho ezinye iindlela ezikhethiweyo zokuphepha ukuhlawula iintlawulo ze-PMI.
Iyintoni i-Private Mortgage Insurance (PMI)?
Ngethuba ekuqaleni kwinshurensi yokubambisa i-inshurensi yangasese ingabonakala nje njengenxalenye yentlawulo yakho yokubolekwa kwemali, ngokwenene kubaluleke kakhulu kwaye kubaluleke kakhulu ukulawula ingozi kubalimi. Olu hlobo lwe-inshorensi yokubolekwa ngemali ebolekayo ikhusela ababolekisi ngokuchasene nokulahlekelwa okukhulu xa umntu obolekayo engenzi phantsi kwemboleko . Inkontileka esebenzayo ye-PMI ivumela umnini-mboleko ukuba abuye abuyele imali ababolekisile kumnini-mboleki nangona ikhaya lisafanelekanga ukuhlawula imali.
Umgangatho osemgangathweni wokubolekisa ngemali yokubolekwa kwemali mboleko ukuba ifune i-inshurensi yokubambisa imali yangasese kwimali-mboleko ene- loan-to-value (LTV) ephezulu kune-80%, edlalwa ngokuqhelekileyo xa umboleki ebeka ngaphantsi kwe-20% yexabiso lekhaya ekuthengeni. Ngaloo ngqiqo, i-PMI ingaba yinto eluncedo kubbolekayo.
Ukuvumelanisa ukuhlawula iiprisimenti ze-PMI kuvumela umgcini-mboleko ukuba athenge ikhaya ngaphandle kokuza nge-20% epheleleyo phantsi kwaye endaweni yoko wenze inkokhelo encinci.
Ngexesha elivela kumbono wocwangciso lwezemali, yinto efanelekileyo yokuba nemali yokubeka phantsi ukuthengwa kwekhaya elitsha, kunokuthatha iminyaka yokugcina nje ukuba ufike kwi-20% inombolo.
Nge-PMI endaweni, i-homebuyers iyakwazi ukubeka imali encinci kwaye ithenge indlu ngokukhawuleza ngexesha i-mortgage lender ikhuselekile kwizinto ezinokuthi zibheke njengemali eboleka kakhulu. I-tradeoff yomboleki iyinkokhelo yokunyuswa kwemali yenyanga, kuba iquka intlawulo ye-premium ye-PMI.
Ukongeza kwi-premium yenyanga, kukho i-premium ye-PMI premium efunekayo ekuqaleni kwemboleko. Le mali ingahlawulwa ngeendleko zakho zokuvala okanye zifakwe kwi-mboleko.
Indlela yokuphelisa i-PMI
Ngokwesiko, abobolekayo bafunwa kuphela ukuba bagcine i-inshurensi yangasese ye-mortgage ngethuba nje i-percentage-loan-value-percentage engaphantsi kwama-80%, oku kuthetha ukuba kufuneka bahlawule iiprimiyam zomshuwalense ade bafumane ukulingana okwaneleyo ekhaya ukuze umboleki-mali akasayi kuphinda aqwalasele umboleko "ophezulu."
Kubabolekayo okwangoku bahlawula iintlawulo zeprisimenti ze-PMI njengenxalenye yeentlawulo zabo zenyanga zokuthenga, kukho iindlela ezimbini ze-PMI inxalenye yentlawulo inokupheliswa ngokucinywa komgaqo-nkqubo:
- Umrhorensi-okhuthazwe yi-PMI ukukhanselwa
- Ukhenxiswa kwe-PMI ngokuzenzekelayo
Bobabini bazimisele ngokulingana komboleki. Obolekayo unelungelo lokucela ukukhanselwa okanye ukupheliswa komgaqo-nkqubo we-PMI xa ehlawule ibhalansi yemali ukuya kwinqanaba lokuba lilingana nama-80% exabiso lokuqala lokuthenga okanye ixabiso lexabiso lakho lasekhaya ngexesha le mboleko ifunyenwe , ngaphi na ngaphantsi.
Le ndlela idinga umboleki ukuba alawulwe ngokunyanisekileyo kwimali yokuthenga imali kwaye athathe inyathelo xa i-PMI ingasadingeki.
Inketho yesibini ukuchithwa ngokuzenzekelayo komgaqo-nkqubo we-PMI ngumboleki. Kodwa, kubanjwa. Umboleki-mali akayi kubeka ngokuzenzekelayo iintlawulo ze-PMI uze uqokelele ukulingana kwe-22% ekhaya ngaphandle kwe-20%. Nangona ubolekayo unelungelo lokukhansela i-PMI kumanqaku okulingana nama-20%, umboleki-mali akayi kukhangela ngokuzenzekelayo umgaqo-nkqubo wezinye iipesenti ezi-2 ezibonisa ukuba umntu obolekayo uya kuchitha imali kwiimali-mali ze-PMI ezingenasidingo njengoko iintlawulo zabo zenyanga zokubambisa zibanceda bafumane loo nto eyongezelelweyo i-2% kwi-equity. Ukubeka nje, ababolekayo bachitha imali xa bengagcini i-PMI emva kokushaya amanqaku angama-20%.
Iindleko ze-PMI
Iindleko ze-inshurensi yangasese ezizimeleyo zihluka kancinci ukusuka kumgaqo-nkqubo ukuya kumgaqo-nkqubo, kodwa umntu obolekayo ngokubanzi unokulindela ukuhlawula imali engama-40- $ 50 ngenyanga nganye ngenyanga eyi-100,000 ebolekeweyo, okanye i-0.25% ukuya kwi-2% yerhafu yokuboleka imali ngonyaka.
Ngoko ke, imali eboleka imali engama-$ 200,000 umntu obolekayo unokuhlawula phantse i-$ 100 / inyanga kwi-premium i-PMI, okanye ngaphezu kwe-$ 1,000 ngonyaka.
Xa ucinga ngako, loo mali iqala ukunyusa. Ngokucacileyo, enkulu inkokhelo yemali kunye nentlawulo encinci yokuhlawula ngokwepesenti, inkokhelo enkulu ye-PMI. Ukuba umntu obolekayo uphela ekuhlawuleleni iiprayimari ze-PMI iminyaka emininzi, inokuthi ihlawule amawaka eedola. Ngaloo ndlela, iindleko ezongeziweyo ze-PMI kufuneka zifakwe kwisigqibo sakho xa uqikelela ukuba unganini indlu ongayifumana kunye nokuba ungakanani umvuzo ongezantsi ongathanda ukuwenza ngawo.