Uhlawula i-Intshurensi yokuThengisa yangasese kodwa ayikuqinisekisi
Uhlobo oluthile oluncinci lwe-inshurensi yokubolekwa ngemali ngumhlobo ohlawula imali yakho yokubolekisa xa ufa. Ngamanye amazwi, uhlawula i-premium encinane kwithuba elincinane lokufa. Unokufumana ukhuseleko olungcono kwi-inshorensi yobomi bomshuwalense . Uhlobo lwe-inshurensi yokubolekisa abantu abaninzi abantu bathwala luhlobo oluqinisekisa ukuba umboleki-mboleko xa umboleki eyeka ukuhlawula imali . I-Nonsensicle, kodwa i-inshurensi yangasese yemali yomshuwalense iqinisekisa umboleki wakho.
Kutheni uhlawula i-Intshurensi yokuThengisa yangasese?
Abaninzi abbolekayo bathatha i-inshurensi yangasese yokubambisa i- inshurensi ngenxa yokuba umboleki wabo ufuna. Kungenxa yokuba umntu obolekayo ubeka ngaphantsi kwama-20 ekhulwini kwixabiso lokuthengisa njengentlawulo ephantsi . Umntu osibolekayo omncinci ubeka phantsi, uphakame umngcipheko. Ngoko ke umboleki ufuna i-inshurensi ngokungafi.
Awuyi kukhetha inkampani yomshuwalense ye-mortgage kwaye awukwazi ukuxoxa ngeeprayimari. Kuyavakala ukuba ungumAmerican, kodwa yinto eyenzekayo xa ufumana imali yokuthenga imali engaphezulu kwama-80 ekhulwini-mboleko (LTV).
Okungaphantsi kweepesenti ezingama-20 kubonakala ngathi
Umzekelo, ukuba ubeka iipesenti ezi-5 kwizindlu ezingama-200,000 zeekhaya kwaye unqumle ukwenza iintlawulo zakho zokubambisa imali , i-inshurensi yokubolekwa ngemali iya kuhlawulela umboleki wakho imali engama-30,000, eyi-15 epesenti ongayifakiyo ukukhusela umboleki kwi-LTV ye-80%. Oku kuya kwenzeka emva kokuvalwa .
Imirhumo ye-Federal Housing Administration (FHA) ye-inshurensi yokuthenga imali. Awukho nje kuphela i-premium ye-premium ye-inshurensi yokubolekwa ngemali, kodwa uhlawula i-premium yenyanga, kunye nenqununu yakho, inzala, i-inshorensi yokukhutshwa kwepropati, kunye neerhafu.
Unokukhansela njani i-Intshurensi yokuThengisa yangasese?
Xa ukulingana kwakho kuphakama ngaphezu kweepesenti ezingama-20, mhlawumbi ngokuhlawula imali yakho yokuthenga okanye ukuxabisa, unokufanelekile ukuyeka ukuhlawula i- PMI . Isinyathelo sokuqala kukubiza umnini-mboleko wakho kwaye ubuze indlela ongayicima ngayo i-inshurensi yakho yangasese.
Umboleki uya kufuna ubungqina bokuba indawo yakho yokulingana ikhuselekile kwaye idlula kuma-20 ekhulwini. Kuya kufumana ubungqina ngokufuna ukuba uhlawule uhlolo-mali oluzimeleyo . Awufumani ilizwi xa ukhetha i-appraiser okanye inani eliza kuhlawula i-appraisal, kodwa ngokubanzi, ii-appraisals ixabisa phakathi kwe-$ 350 ne-500.
Imithetho ye-FHA iyahluka. Ukuba unemboleko ye- FHA , kuya kufuneka uhlawule imali yakho yokuthenga imali ukuya kuma-78 ekhulwini kwintengo yakho yokuqala yokuthengisa. Nangona ukuxabisa kuye kwanyusa ukulingana kwakho, akuyi kubangela. Uzakufuna ukunciphisa ibhalansi yakho eyintloko yokuqala.
Indlela yokugwema ukuhlawula i-Intshuwalense yokuThengisa yangasese
Kukho iindlela ezininzi zokuphepha ukuhlawula i-inshurensi yangasese yomhlalaphantsi.
Awunakufanelekela ezi, okanye ungafuni ukuwaqesha.
- Ukuba ungumlindi, unokuthatha umboleko we- VA , ongenayo i-inshurensi yangasese.
- Unokubeka phantsi iipesenti ezingama-20 okanye ngaphezulu ukuba ufuna ukuthemba iBhanki kaMama noTata .
- Unokuhlawula umyinge ophezulu. Ngamanye amaxesha ulwahlulo lwenkokhelo yakho yenyanga yonyusa ngaphezu kwexesha lakho elihleliweyo lokuhlala lincinci kunokuhlawula i-inshurensi yokubolekwa.
- Unokwenza umboleko ohlanganisiweyo we-80/10/10. Olu luqulethe i-10 yeepesenti yokuhlawula, i-80 yepesenti yokuqala ye-mortgage kunye ne-10 ekhulwini ye-mortgage yesibini .
- Unokujonga kwi-HomePath mortgage ehlinzekwa nguFannie Mae ekukhetheni amakhaya aseBennie.
- Ukuba ungumfundisi okanye ugqirha lakho ibhanki inokukunika mboleko ekhethekileyo. Ngamanye amaxesha, ukubolekwa kootitshala kunye noogqirha akudingi i-inshurensi yangasese yomhlalaphantsi