Chii chiri Private Mortgage Insurance uye Nzira Yokudzivisa nayo
Pamwe mortgage inshuwarisi, kana PMI, inishuwarenzi kuti vatengi vanoda vatorwa kuti vawane kana vawana chikwereti uye vasina hutano hwakakwana mumusha. Kune vanotengi vakawanda vachitsvaka chikwereti, kudzivisa mari yakawedzerwa ye PMI zvinoreva kuuya ne 20% mubhadharo pasi paunotenga imba .
Zvinosuruvarisa, hazvisi nyore nguva dzose kune vatsva vekumba itsva kuti vauye nemhando iyoyo yemari, asi pane zvimwe zvingasarudzwa kuti urege kubhadhara mari yeP PMI.
Chii chinonzi Private Mortgage Insurance (PMI)?
Kunyange pakutanga paunenge uri wega mortgage inshuwarisi ingangoita sechikamu chikamu chekubhadhara mari yako, iyo inonyanya kukosha uye yakasiyana-siyana yekutengesa-chinangwa chekushandisa kune vanokweretesa. Iyi iyo yakweretwa-yakabhadhara mortgage inshuwarinense inochengetedza vanokweretesa kuti varwisane nekurashikirwa kukuru kana munhu akakwereta akasafa pane chikwereti . Imwe kambani yemishandiro yePII inobvumira mutengesi kubhadhara mari yavakapa chikwereti kumwene weimba kunyange kana imba yacho isingakoshi zvakakwana kubhadhara chikamu.
Ndiyo tsika yakawanda yevatapi vemari kutenga mari yega yega mortgage inshuwarheni kune zvikwereti nekwereti-to-value (LTV) chikamu chikuru kupfuura 80%, iyo inowanzoitika apo uyo akakwereta anoisa pasi pe20% yemari yeimba pakutenga. Nenzira iyi, PMI inogonawo kuva chinhu chakakosha kune vakwereta.
Kubvumirana kubhadhara mari yePII inobvumira mubhadhadzi weimba kuti atenge imba asingatauri neyakazara 20% pasi uye panzvimbo payo aite chikwereti chiduku.
Izvo zvichibva pane imwe nzira yekugadzirisa zvemari, iri pfungwa yakanaka yekuve nemari yekuisa pasi pane imwe imba yekutenga, zvinogona kutora makore ekuchengetedza chete kusvika kusvika iyo iyo nhamba ye20%.
Nekambani yePPI panzvimbo, vashandi vemusha vanogona kuisa mari shoma pasi uye kutenga imba pakarepo pavanenge vatora chikwereti ichichengetedzwa kubva kune izvo zvingafungidzirwa kuti inowanzova chikwereti chakaipa. Shanduro yekwereta inowedzera mwedzi unobhadhara chikwereti, sezvo inosanganisira mari yePPI premium.
Kunze kwekutanga kwemwedzi, kunewo wepamusoro PMI premium inokonzerwa kutanga kwechikwereti. Mari iyi inogona kubhadharwa nemari yekuvhara kwako kana kuti yakaiswa muchikwereti pachayo.
Nzira yekuregedza PMI
Nenzira, vanokwereta vanongodiwa chete kuchengeta pachedu mortgage inshuwarisi chero bedzi iyo chikwereti-ku-chiyero chemazana chiri pasi pe 80%, zvichireva kuti ivo chete vanoda kubhadhara mari yemishonga yehushuga kusvikira vawana kuwanika kwakakwana mumusha kuitira kuti uyo anokweretesa haachazofungi nezvekubhadhara mari "yakaipisisa."
Kune vakwereti vari kutobhadhara mari yemari yeP PMI sechikamu chemwedzi yavo yekubhadhara mari pamwedzi, pane nzira mbiri iyo PMI chikamu chekubhadhara inogona kubviswa nekunatswa kwemurairo:
- Akwereta-akakurudzirwa PMI kuregera
- Automatic lender PMI kuregera
Zvose izvi zvakagadziriswa nemunhu anenge akwereta akawana kuenzana . Munhu akwereta ane kodzero yekukumbira kuregeswa kana kubviswa kwepurogiramu yePII apo iye akaripa pasi mari yekubhadhara mari kusvika kusvika pakuti yakaenzana ne80% yemutengo wokutanga wekutenga kana kukosha kwekuverengwa kweimba yako panguva iyo chikwereti chakawanikwa , chero zvishoma.
Iyi nzira inoda kuti munhu anenge akwereta aite zvakasimba kutarisira chikwereti uye atore matanho apo PMI isisisina kutenderwa.
Chechipiri sarudzo inotsvaga kukanganisa kwePP policy kuburikidza nemukweretesi. Asi, pane kubata. A chikwereti hachizogadziri kuvhara maPI kusvikira wawana 22% kuwanika mumba pane 20%. Kunyange zvazvo munhu akwereta ane kodzero yekudzivisa PMI pa 20%, chikwereti hachizobvumiri mutemo kune imwe 2 muzana zvinoreva kuti akakwereta achange achishandisa mari pane zvisingakoshi zvepayimusi yePII sezvo mari yavo yepamwedzi yekubhadhara mari inovabatsira kuwana icho zvimwe 2% muhutano. Zvimwe chete, vateresi vari kuparadza mari kana vasingabvisi PMI yavo mushure mekubata 20% yekutarisana.
Iko Mari yePPI
Mari inoshandiswa yega yega mortgage inshuwarisi inopesana zvishoma kubva pamutemo kusvika kune mutemo, asi munhu akwereta anogona kazhinji kutarisira kubhadhara madhora 40- $ 50 mwedzi mumwe nomumwe pamadhora 100,000 akweretwa, kana kuti 0.25% kusvika 2% yekutengesa mari yegore rimwe nerimwe.
Saka, kune $ 200,000 chikwereti kune akakwereta angabhadhara madhora zana / mwedzi pamakambani emakambani ePI, kana kupfuura $ 1 000 pagore.
Paunofunga pamusoro pazvo, mari iyoyo inotanga kuwedzera. Zviri pachena kuti, iyo yakakura mari yekubhadhara uye zviduku zvishoma kubhadharwa maererano nehuwandu hwehuwandu, huwandu hwekubhadhara kwe PMI. Kana munhu akwereta achiguma achibhadhara premium yeP PMI kwemakore mazhinji, inogona kudhura zviuru zvemadhora. Sezvo zvakadaro, mari yakawedzerwa yePPI inofanira kuiswa muchisarudzo chako kana uchitarisa kuti imba yakawanda sei iwe unogona kutenga uye kuti mari yakawanda yekubhadhara iwe unoda kupa.