Kunzwisisa Kubhadhara Kwekudaidzwa Kwezvakakwana Cash Value uye Kuchinja Kwemari
Mari Yaunowana Mari Ipi Uchabhadharwa Mukutsvaga?
Mhinduro kumubvunzo wemari yakawanda yaunogona kutarisira kuwana mu inshuwarisi yako kudai inobva pane zvinhu zvitatu zvinokosha:
1. Zvakarurama Iwe Unogona Kurondedzera, Nyora uye Ratidza Kukosha Kwezvinhu Zvakakosha MuPfuma Yako Muhuno Hwako hwekurasikirwa.
Imba yekutengesa zvinhu inogona kubatsira chaizvo izvi. Izvo zvakanyanya tsanangudzo uye uchapupu hwaunayo hwekukosha, hauzombove wakanzwirwa tsitsi nekambani yeinishuwarenzi.
2. Rudzi rwePurogiramu Yaunayo
Kusiyana kweinishuwarenzi mitemo inopa zvikamu zvakasiyana-siyana. Vanhu vatatu vese vangave vane "mvumo yekuwana pamba" kana " mutemo wekodha " asi rudzi rwematongerwo avanoita huchareva zvinetso zvakaputirwa , izvo zvinosarudzwa uye zvikamu zvakanakira zvimwe zvinhu. Iwe unogona kudzidza zvakawanda pamusoro pemiganhu inokosha yeinishuwarenzi pano , ruzivo rwakakosha pamushuwarisi hwematongerwo enyika haisi yepamusoro pamakambani ese einishuwarenzi sezvo ichi chiri chikonzero chekusiyanisa kune imwe yekambani ye inshuwarisi. Semuenzaniso, makambani anonyanya kukwezva vatengi vane dzimba dzepamusoro-soro vanogona kuva nemiganhu yakakosha munzvimbo dzezvishongo zvishongo, zvigadzirwa zvemhando dzakanaka, kana kunyange waini yekuunganidza.
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3. Nheyo dzeZvitsvaga Zvesheni: Zvechokwadi Cash Value vs. Kuchinja Mari
Apa ndipo pane zvinhu zvinovhiringidza, asi tichazojekesa tsanangudzo kwauri, pamwe nekupa mienzaniso.
Nheyo yekutaura kugadziriswa iri mune zvinyorwa zvinyorwa muinishuwarenzi yako. Kunyange zvazvo peji rejivha kana DEC Page yeinishuwarenzi yako inogona kutarisa miganhu uye iyo yakawanda yezvokugadzirisa zvinenge zvataurwa, iri mumashoko ekuti izvi zvikwereti zvichabhadharwa sei kuti zvinhu zvinogona kuoma.
Ngatitungamirire dzimwe nheyo dzekubatsira kukunzwisisa kuti sei kambani ye inshuwarisi ichaona kukosha kwezvinhu kana kuti pfuma yako kana zviri mukati zvawakarasikirwa, uye kuti iwe uchabhadharwa zvakadini nekuda kwekutsvaga. Kakawanda kana munhu akaodzwa mwoyo nemari yakabhadharwa, ndeyekuti havana kunzwisisa kuti zvigadziro zvekugadzirisa zvakagadziriswa zvakadii uye chinangwa chaicho cheCash Cash Value nekuDzosera mari.
Zvechokwadi Cash Value (ACV) Tsanangudzo
Zvechokwadi Cash Value ndeye apo kambani yemishuwarensi inobvumirana kukubhadhara iwe kukoshesa kwekuwedzerwa panguva yakarasika. Mari yeAACV inosanganisira kuderedzwa kwekuderera. Kunyange zvazvo zvingaita sezvinonakidza kunzwa kuti iwe uchawana mari yekugadzirisa mari, urongwa huno hwekugadzirisa hahubvumi kuti utore nzvimbo yawakarashika, asi zvinongokubhadhara iwe kukosha kwechimwe chinhu sekunge chachitengeswa pagaraji kutengeswa.
Kambani yeInishuwarenzi ine dzimwe nzira dzakanakisisa dzekuverenga kuora kwezvinhu pane kungoisa garaji rekutengesa zvidhori pavari, asi mumamiriro ezvinhu chero ipi zvayo, chaiyo mari inokosha inokusiya iwe munzvimbo yakaoma nokuti iwe haugone kubuda kuchitoro uye kutenga chinhu chakafanana chitsva.
Kuvakazve zviri mukati mako, kana zvakatoipisisa, imba yako pane chaiyo mari yakakosha kana kuti yakashata inokusiya iwe pa kurasikirwa kana uchienzaniswa nechinzvimbo chekubhadhara mari.
Mitemo inoshandiswa mari inoshandiswa inowanika mune dzakawanda, saka gara uwane purogiramu ichazopa mari yekugadzirisa mari isati yagadziriswa yeCACV.
Kudzokorora Kudiwa Kwekutsanangura
Kudzorerwa Kwemari kunopa iwe nebhadharo yakaenzana neyo inoda kuchinja zvinhu zvakarasika mumararamiro ekurasikirwa kwekuda kwako.
Kushandisa mari yakakosha kune ACV nokuti ichakubvumira kuti iwe uzviise panzvimbo imwechete iwe waive uri mberi kwekurasikirwa nekupa iwe mari yakakodzera kuti uchinje zvinhu zvako.
Imwe nzira yakajairika isina kururama pamusoro pekubhadhara mari inoshandiswa ndeyekuti mari yakashandurwa ichabhadharwa sei, kuitira kuti ugokwanisa kuwana mari yekudzorera, unofanira kutora nzvimbo. Verenga zvakawanda pasi apa pamusoro pekuti nzira yekubhadhara mari yekugadzirisa inoshanda sei.
Iwe Uchawana Rini Kubhadhara KweInishuwarenzi Yenyu Yekutongwa?
Zvichienderana nehukuru hwe kurasikirwa uye rudzi rwekutsvaga, iwe ungangodaro unopa ruzivo rwakanyanya usati wawana kugadzirisa kwakakwana kwekutaura kwako.
Kazhinji, kana agadziri akashandura mararamiro ako ekurasikirwa zvinhu, akasarudza izvo zvichatsiviwa kana kugadziriswa, uye akatumirwa kana kugamuchira mararamiro, vachauya ku kukosha kwezvinhu zvakaderera, kana kuti chaiwo mari inokosha.
Unotarisira kuti uve nehuwandu, ivai nekambani yeinishuwarensi iongorore rondedzero, uye ipapo iwe uchava nemukana wekutarisa chipo chavo usati wawana mubhadharo. Kana maitiro ako ekurasikirwa kugadzirisa aive chaiwo mari chaiyo, saka vangakukumbira kuti usayanise pamari yacho, uchitaura kuti uri mubhadharo wokupedzisira, asati akupa cheki. Iyo nzira yakasiyana neyokutora mari.
Iyo Nhanho Nhanho Dzokugadziriswa Kwekubhadharwa Kwekubhadharwa Kwemari muNyaya
Paunenge uine chikwata uye kurasikirwa kwekugadzirisa kune imwe nzvimbo inoshandiswa mari inoshandiswa, tarisira kuti iwe uchange uine cheki mbiri kana usati wawana zvizere.
- Cheki yekutanga ichauya yekuti mari chaiyo yezvinhu.
- Chero bedzi paunoratidza kuti wakatsiva zvinhu, iwe uchawana zvipo zvekupedzisira mune zvakawanda mamiriro ezvinhu. Iyi inhano mbiri-mbiri uye inoisa mutoro kwauri kuti udzorere zvinhu zvacho usati wagona kubhadharwa kubhadhara mari yakazara. Kana zvinhu zvichatsiviwa nekufamba kwenguva, unogona kutumira mari yako yekugadzirisa iyo nzira yekugadzirisa uye iwe unogona kutaura nemutongi wako kana iwe unogona kutarisira mari. Izvi zvinoenderana zvikuru nekukura kwekurasikirwa.
Kuchengetedza kukurukurirana pachena neanonongedza pane zvamunenge uchitaura kuchakubatsira kuti unzwisise chaicho chaunotarisira, uye kukubatsira iwe kubhadharwa nekuda kwekurasika kwako chaiye .
Ko Inishuwarenzi Inoshandiswa Kugadzirisa Zvinhu Kana Wakave Nechinzvimbo Chokutengesa Mari?
Kambani yeInishuwarenzi inogona kuva nekodzero yekugadzirisa kana kugadzirisa zvinhu . Vachadzokorora mazita enyu uye vanokuzivisai zvavari kuzoita. Kana chimwe chinhu chinogona kugadziriswa zvakanaka kana kudzorerwa kumamiriro ayo asati asvika, iwe unogona kupiwa kugadziriswa mumatambudziko iwayo.
Kana chinhu chacho chisingagoni kugadziriswa, ipapo vachakupa mari yekuchinja.
Ndezvipi Zvingave Zvichidiwa Kuti Uwane Mari Inoshandiswa Pakutora?
Paunotarisira kubhadharwa kwakakwana kwekugadziriswa kwezvinhu kana zvinhu zviri mukati mako zvaive zvakachengetwa mumba mako , unofanira kutarisira kupa urongwa hwe:
- iyo tsanangudzo yezvinhu uye inoita uye mienzaniso kana inoshanda
- apo iwe pakutanga wakazvitenga
- mutengo wawatenga
- iyo inoshandiswa mutengo nhasi
- chero zvifananidzo zvinoratidza mamiriro ezvinhu (kana zvichibvira kana zviripo)
- iyo receipt yepakutanga, kana inonzwisisika
Semuenzaniso, iwe unogona kunge usina kuwana risiti yezvikwata zviviri zvemasokisi waunayo, asi iwe unogona kuchengetedza risiti yako huru yekrini yeVhidhiyo kana mimwe midziyo yemitambo inodhura . Kambani yese yehushuwarisi ine zvayo zvayo, saka iva nechokwadi uye bvunza inshuwaridhe rakagadzirisa fomu kuti ikubatsire kuzadzisa uchapupu hwekurasikirwa zvinhu urongwa kana mutungamiri wezvavanoda.
Kune Pane Mukana Wokutaurirana Nekugadziriswa Kwezvinhu Zvipi?
Panogona kunge pane imwe nzvimbo yekutaurirana pamusoro pekutsvaga kwekubhadhara mari yako. Somuenzaniso, kana chinhu chacho chakatsiviwa nemuenzaniso wakanaka, somuenzaniso, une kakombiyuta ine makore matatu uye haikwanise kutorwa panzvimbo imwecheteyo nemuenzaniso nhasi, tsvaga yakaenzana, uye nyora kuti se " kushandiswa kwakaenzana "nehuwandu hunobatanidzwa. Nguva dzose edza nepaunogona napo kuti uwane zvimwe zvakafanana nenyaya.
Panogona kuva nekutaurirana nekudzoka pane zvimwe zvinhu zvakadai, asi kana iwe ukapa mutengo wakatarwa mutengo uye uite tsvakurudzo yako, iwe unogona kuwana izvo zvaunokumbira.
Kana iwe usingaiti basa rinowedzera, mutongi wacho achauya nemhinduro dzavo dzakanakisisa kana kuongorora uye iwe ungatadza kurasikirwa, kana kuti udzoke zvakare pane urongwa ugoita zvigadziriswa.
Dzimwe makambani einishuwarenzi anonyanyisa kupfuura vamwe. Izvi zvinowedzera pane imwe nyaya nenyaya dzenyaya, zvichienderana nemamiriro ezvinhu uye zvinodiwa nekambani.
Zvakadini Nezvinhu Zvisingashandisi?
Kana chimwe chinhu chakatarwa chisina kushandiswa, kana ne "chimiro chayo chisingagoni kuchinjwa" iwe unogona kuzviwana uri mumamiriro ezvinhu apo iwe uchazopiwa chete ACV, A clause yakafanana inogona kushanda kumagetsi kana mapaundi kana chikamu chimwe chete chegadziriro kana kuti vaviri rakarashika uye rimwe racho harina kushandiswa.
Zvinhu Zvisingagoni Kudzorerwa-Kambani Inishuwarenzi Inobhadhara Sei?
Zvinhu zvinokosha zvisingakwanisi kuchinjwa, somuenzaniso, zvinyorwa, antiques, uye hutsika hwakanaka zvinofanira kugara zvichikurukurwa neyemumiririri weinishuwarenzi mushure mokunge chibvumirano chikaitika. Izvi zvinokubvumira kuti uwane mazano akakodzera pamusoro pokuti ungadzivirira sei kukosha nemhando yakakodzera ye inshuwarisi. Ichakupawo mukana wekuwana zviongorori, uye zvichida kuronga zvinhu zviri kutenderera kana kuti mutasvi kuti uone kuti kugadzirisa kunokosha. Kana zvinhu zvechimiro ichi zvakarashika mukutsvaga uye inshuwarisi yakakodzera haina kuwanikwa, unogona kunge wakaora mwoyo mune zvauchawana.
Mari Yekuchinja Inosanganisira Murairo kana Ordinance Coverage?
Cherechedza kuwedzera kwekugadzirisa kwekuvaka patsva kana zvasvika kune-By-Law coverage. Kunyange zvazvo imba yako ingave yechipupuriro yeReplacement Cost, kana pane mitemo-inouya inzvimbo mushure mokunge imba yako yepakutanga yakavakwa, izvi zvingakanganisa mari chaiyo yekugadziriswa nekuwedzera mari nekuda kwemitemo mitsva. Pane zvirevo mune mamwe mashoko asingatauri kuwedzera kwekugadzirisa kwekuvaka nekuda kwemitemo nemitemo yeguta.
Kugutsikana kunowanikwa kuwedzera nemutemo-kugoverana kumutemo wako, uye imwe imba yakazara yakakwana yepamusoro-soro yunishuwarenzi mitemo ichasanganisira mutemo wekuvhara, asi kana yako isingaiti, iyi inogona kuva dambudziko guru mukududzirwa kweiyo mari chaiyo yekuvakazve ichave, kana kupikisa mukati mako kutora mari.
Chinhu Chakurumidza : Mhuri mbiri kubva kuTatu muAmerica Dzinotsigirwa
Unogona Here Kuwana Mari Yakazotevera Kana Chivako Chako Chakanga Chiri Pasi Pakavharwa?
Inishuwarenzi mitemo inosanganisira zvikamu pamusoro pekuti uye sei mari yekugadzirisa ichabhadharwa pane chimiro kana chivakwa. Mitemo yakawanda inogona kusanganisira Chigadziriswa Chekushandurwa Kwemajeredzi Mutemo zvakare. Iri chinyorwa chinobvumira imwe nzvimbo inoshandiswa kumativi ose kuwanda kwenhamba yehupfumi yemusha kana mushure mekurasikirwa kwayo yakagadzirirwa kuti mari yaive ishoma. Nhamba ye wiggle room yaunayo yakabva pane yako mazano ekutaura nemhando yehuwandu hwemafaira iwe unahwo.
Semuenzaniso, mamwe mazano anogona kutaura kuti iwe uchiri kukodzera kubhadharwa mari yako kana iwe wakachengetwa kusvika makumi mapfumbamwe kubva muzana yehuwandu hwemari chaiyo yekuvakazve mari. Makambani eInishuwarenzi angave akasiyana-siyana, saka iva nechokwadi uye uone kana une chikamu chekubhadhara mari, chikamu chinotsigirwa chekushandura uye kuti zvinhu zvinoshanda sei kana iwe uri pasi pechirwere panguva yekurasikirwa.
Ko Inishuwarenzi Inogona Kubhadhara Mutemo Wakazara weInishuwarenzi Yangu MuKutongwa Pasina Rakanyora Zvimwe Zvinhu?
Mamiriro ekutaura kwematambudziko, apo imba uye zviri mukati maro kurasikirwa kwakakwana, kwakadai sechinjodzi chikuru kana moto, mamwe makambani einishuwarenzi angangobhadhara mari yakazara yekugadzirisa yeIndaneti uye Zviri mukati kana mamiriro acho akaoma ivo. Izvi hazvibvumirwi uye zvinonzwisisika nekambani ye inshuwarisi, nguva dzose vane kodzero yekukumbira uchapupu hwekurasikirwa. Kunyange zvakadaro mukutaura kukuru uye kurasika kwakakwana, kana inishuwarenzi yemiganhu isinganzwisisiki, kambani ye inshuwarisi inogona kusvika kune kugadzirisa pasina kukuita iwe kunyora chimwe chinhu chimwe kusvikira kumiganhu yako.
Kumbira mumiririri wako weinishuwarenzi kuti kambani yako yveshuwarenzi inogadzirisa kurashikirwa zvachose kuti uwane pfungwa yekuti zvinhu zvingashanda sei. Chinhu chakanakisisa chaunofanira kuita nguva dzose chinogadzirirwa, pamwe nemakopi makuru ekutengwa akachengeterwa mugore, kana kuchengetedzwa kwekuchengetedza bhokisi kubva panzvimbo, uyewo kugara uchinyora imba yako nemifananidzo iwe unogona kutaridzira mukurasikirwa kwese.
Iwe Unofanirwa Kuchinja Musha Wako kana Zvinhu Kuti Uwane Kuchinja Kwemari Kubhadharwa Kwakabhadharwa?
Hungu, chimwe chezvinhu zvemashoko ekutsvaga mari, sezvakakurukurwa pamusoro apa, ndeyekuti iwe unofanira kutora nzvimbo kuitira kuti uwane mari yekubhadhara mari, kana uchitadza izvi, unogona kugadzirisa Zvechokwadi Cash Value. Kunyange zvakadaro pane zvakasiyana mune dzimwe dzidziso dzakasarudzwa, idzi ndezvemirairo neReplacement Value kana Cash Out Options.
Kudzorerwa Kwekuda uye Cash Out Kurasikirwa Kwekugarisa vs. Kuchinja Mari
Kune mamwe mazano ekumusoro-soro, kazhinji pamisha yakakosha yepamusha inogona kukupa iwe sarudzo yekugamuchira zvakakwana kushandiswa kwezvinhu, pasina kusungirwa kutora. Idzi maitiro emitemo inowanzodhura kupfuura inyanzvi yemishuwarenzi yakawanda nokuti inofunga nezvezvinyorwa zvakawanda zvakanyanyisa uye kushanduka kwakawanda munguva yekutsvaga. Iwe unogona kukumbira murengeti wako wehushuwarisi kana iwe uchikodzera kune imwe yemhando dzemitemo, kazhinji inowanikwa pamitengo yepamusoro yepamusha, kana kuti maitiro edzimba kana mvumo nepamusoro zviri mukati mechidimbu zvido, pamwe chete nedzimwe nzira. Icho chinhu chakanaka chisarudzo chakanaka chekutarisa mukati maro nokuti mukutsvaga, sarudzo yekutora mari yekugadzirisa nemari yakakwana yekugadzirisa zvinogona kuita kuti zvinhu zvive nyore nyore pakatarisana nenjodzi uye inodzivisa kukanganisa kwekugadzirisa zvinhu kuitira kuti uwane kukosha kwayo.
Izvi zvakasiyana chaizvo neReplacement Cost apo kana ukasarudza kusatora chinhu chacho, kana kuvaka zvakare imba yako, unogona kugoverwa chete neAACV yakaderera sechisarudzo chekugadzirisa.