Chengetedza Mari neMatau Aya
Kutsvaga nzira dzekuchengeta mari paunotenga imba yako yekutanga inova chinhu chinonyanya kukosha kune vimba venguva yekutanga.
Pasinei nokuti uri kutenga condo , imba yakashambadzira , kana imba, iwe unoda kuwana inshuwarisi iyo ichachengetedza zvakakwana mari yako yezvokuchengetedza pamwe chete nezvinhu zvako pachako uchichengetedza mari.
Mari Yakawanda Sei Pakusha Inishuwarenzi Inodhura?
Maererano neCount Penguin kumba inshuwarisi yemari inowanikwa pamusana pe $ 952 pagore, pamwe nedzimwe nyika dzinodhura dzinosvika $ 2,000. Ramba uchiyeuka kuti idzi dzinoratidzira dzinofanidza chiyero chemhuri yveshuwarisi yemitengo, iyo inowanzosanganisira zvikwereti zvevanhu vakawanda sezera rekudzikinura, kusunungurwa-kusununguka-kusununguka, uye mune dzimwe nguva, kuvimbika kunodhura.
Kwenguva yokutanga kumutengesi kumba, izvi zviduku zvinogona kusashanda. Ndosaka zvakakosha kugadzirira uye kutsvaga zvaunogona kuita kuti uuye kumusoro. Mari yaunoponesa painishuwarenzi mari inogona kupinda muchikwereti chako kana kuti kugadziridza kumba.
Kutaura kune unyanzvi wehushuwarisi hwekune imwe nzvimbo usati watenga imba inogona kungokurudzira kune zvinetso zvingangodaro kana zvakakosha mari.
Inyanzvi yeInishuwarenzi iyo inonyanya kugadziriswa yemishonga yemunharaunda inoona mugove wezvakataurwa uye ine ruzivo rwekambani ye inshuwarisi kuongororwa munzvimbo dzakasiyana-siyana.
Chii Chingaita Kuti Imba Yako Yishuwarenzi Ive Inodhura?
- Kana iwe wakaita zvikwereti pasi peshuwarisi yapfuura semutemo wevatengesi, iwe haungakwanisi kubhadhara zvikwereti zvisingabhadharwi izvo zvingakonzera iwe kubhadhara zvikuru zvakanyanya pamishuwarenzi yemusha
- Kana iwe usingashandise kubhadhara imba yako nemotokari yveshuwarisi, iwe uchabhadhara zvakawanda kune inshuwarisi yemusha pane mumwe munhu anoisa inshuwarisi yavo nekambani imwe. Iwe unoda kuongorora mari yose yezvikamu zviviri izvi neye inshuwarisi imwechete. Dzimwe nguva kana iwe ukatarisa mari yakawanda ye inshuwarisi, motokari yako yehushuga mari inogona kunge inodhura neimba yako inshurensi, asi kukura iwe uchasvika pamba kunogona kuita mari yose ye inshuwarisi yako shoma. Nguva dzose ongorora inshuwarisi yako seyese purasi uye kwete imwe chete. Iva mazano uye shandisa yako yose inshuwarisi kuti uitisane.
- Kana iwe usati wambotora inshuwarisi yapfuura pane imwe nzvimbo yekugara kana kana iwe wakambova nemugove muhuwarisi yako yekare.
- Kana iwe wakambodzingwa nekambani ye inshuwarisi yekusabhadhara (kunyange motokisi yako yemotokari inogona kuverenga)
- Kana imba yako ine zvikamu zvakasiyana-siyana kana zvido zvakadai sokunge zvine zvinhu zvakashandiswa zvinoshandiswa mukugadzirwa kwayo, kana iri munzvimbo ine mazita akawanda, kana ine njodzi dzakakwirira sekunge dziri munharaunda yemafashamo kana kuti dziri pangozi dzakakwirira dzekukuvara kwemhepo uye mhirizhonga .
5 Mazano Okuchengetedza Mari Mhuri Yako Yokutanga Inishuwarenzi
Pane nzira dzakawanda dzokuti iwe unogona kutora matanho usati watenga mari yako yekutanga kuchengetedza mari kuwedzera kumazana emadhora painishuwarenzi yako uye kutanga kutenga kumba.
1. Usarega Musha Wako Inishuwarenzi Kutenga kusvika kuMugumo Wokupedzisira
Pane zvakawanda zvakanyanya kumishonga yemishonga inshuwarisi pane kungopinda mutemo. Iwe unogona kushamisika kuti vanhu vakawanda vanotakura zvakadini nekusarudzwa kweimba yavo yekutanga, kuwana kutanga-kugamuchirwa kune Mortgage, imba yekuongorora, uye kutaurirana, kuti vanosiya inshuwarisi pamusha wavo mutsva kusvikira kumusi wekupedzisira. Chii chinoitika kana iwe uchiita izvi ndechokuti iwe uchava nemikana yakasarudzwa. Iwe uchanzwa uchinetseka kuti uite chisarudzo nokukurumidza, uye haungatombofungi nezvezvinyorwa zvaunowana nemutemo wako wekumba. Usazviisa muhuno iyi.
Zano: Paunowana rugwaro rwako rwehutano hwemusha huchave huchivakirwa pakuvaka kana kugara kwekugara, vamwe varidzi vepamba vatsva vanoshamiswa kuwana nzvimbo yekumba yemba yavo haisi nguva yakafanana nekukosha kwekugara.
Izvi zvinowanzokonzera kushamisika kusingadikanwi, mari kana nyaya.
Kuita inshuwarani yakaipa kusarudzo kunogona kukudhura mazana emadhora munguva pfupi (iyo yakaipa zvakakwana), asi inogona kukubhadhara mazana emadhora uye kushungurudzika kukuru munguva refu. Paunosarudza inshuwarisi nekuda kwekuti haina kutengesa, iwe kazhinji hausi kutarisa kuti iwe uchabhadharwa sei mukutora. Iwe unokanganwa nezve inshuwarisi kana waenda kumusha wako mutsva, uye ipapo apo kudai kuchiitika apo apo vanhu vanopedzisa kubhadhara zvakanyanya.
Ita tsvakurudzo pamusoro pehutano inshuwarisi yemusha munzvimbo yako, uye yeuka kuti makambani einishuwarenzi anotarisa mishonga yavo zvichienderana nevanaani chinangwa chavo chekwereti kana mungozi. Kambani yepamusoro yveshuwarisi yekambani ingasave iyo yakakosha zvakakwana kuisa imba yako itsva kana mararamiro ako. Iwe unoda kuwana imwe inokupa kugovera zvakakwana pane zvinhu zvaunoda.
Zano: Paunoenda kumusha wako mutsva, mutengo wemotokari yako yemotokari ingawedzera zvakare. Car inshuwarisi yemari yakavakirwa pamashandisiro, inotanga kushanda, uye nzvimbo iyo motokari yakachengetwa usiku, nemamwe mazwi mauri kugara. Usakanganwa kugadzirisa bhadha chero ipi zvayo inogona kuchinja ikoko zvakare, kana kushandisa motokari yveshuwarisi sechibvumirano chekuwana mari yepamusoro yishuwarisi yemari.
2. Usafunga Kuti Mari YeInishuwarenzi Yako Ichange Yakangofanana neIyo Muridzi Iye zvino
Vanhu vazhinji vanobvunza mudzimba wepakutanga mari yakawanda yemagetsi, mitero yechikoro, mitero yemitengo, nezvimwe zvinodhura zvaive pachisarudza pakutengesa imba. Mhinduro yekuti yakabhadhara zvakadini mu inshuwarisi haisi chiratidzo chekuti unozobhadhara zvakadini. Kana imba iri munzvimbo yakakwirira yemvura kana iri mune imwe nzvimbo umo kune dzakawanda nemhepo ine dutu kana tornado inotaura, iyo ruzivo inogona kuva nyore kuwana; zvisinei, nheyo yekuti mari yekushandiswa kweinishuwarenzi inowanikwa ichave isina kunyatsojeka.
Inishuwarenzi mitemo inofunga nezvehutano hwemunhu oga kuitira kuti ugadzire mari. Zera remunhu, chikwereti, chibvumirano, uye mamwe mazvisarudzo evanhu muhupi yveshuwarenzi yavakasarudza haicharevi mamiriro ako. Wana mutengo wemishuwarenzi usati wavhara chikamu.
3. Mortgage Inishuwarenzi Inogona Kuve Yakaderera Kupfuura Nayo Muiti weInishuwarenzi Kupfuura Iyo Iri Kupfuura Paunotenga Mari yako
Iwe unotora chikwereti chikwereti kana bhangi inogona kukupa mortgage inshuwarisi. Chikonzero chavanoita izvi ndechokuti vanoda kuve nechokwadi chokuti kana chimwe chinhu chikaitika kwamuri kuti vanowana mari yavo zvakare. Matanho avo angangodaro akaenzaniswa kuti aenzane nevatengi vavo. Izvi zvinogona kuguma zvichikudhura mari yakawanda. Iwe unogona kuva nezvibvumirano pamusoro pemunhu akawandisa. Somuenzaniso, kana uri pasi pemakumi matatu nemakumi matatu uye mune hutano hwakanaka, uwandu hwako hunogona kunge hushoma. Taura nemudzidzisi wako wezvemari kana muhuisi wemishandiro yemishuwarenzi yehupenyu usati waita iyo yekutengesa.
4. Usapinda muIndaneti Chekuongorora; Shandisa iyo kuchengetedza Mari Yenguva Yakare
Kuchengetwa kwemusha ndicho chinonyanya kukosha kumatambudziko anokwanisa neimba yako. Kuva neimba isina kukanganisa kunogona kukudhura mari yakawanda. Vatariri vekumba vanogona kukubatsira kuti uone matambudziko akavanzwa, uye kukurudzira kuti ugadzirise zvaunofanira kuita kuitira kuti imba yako ive yakachengeteka kubva pakuparara.
Kuongorora kwekumba kwako kunogona kukupawo mazano pamusoro pekuvandudza hugaro hwako munzira dzinozopa zvikwereti painishuwarenzi yako. Mumiririri weunishuwarenzi yeimba yako anogona kukubatsira kuti uongorore izvi zvakare.
5. Simbisa Inishuwarenzi Yenyu Yakaitika Kare
Kuva neinishuwarenzi yakagadziriswa nhoroondo inogona kukuita kuti ukwanise kubhadhara zvikwereti zvisingabhadharisi uye kunyange kuvimbika kukodzero Izvi zvinogona kuwedzera kusvika kune mari inopfuura 20%. Pane nzira mbiri iwe unogona kushandisa mukana wekugadzirisa nhupfumi yemainishuwarensi usati watenga imba yako yekutanga kana condo.
- Kana iwe ukararama nemumwe munhu aiva ne inshuwarisi, kufanana nevabereki vako, usati watenga imba yako, taura nekambani yavo ye inshuwarisi kuti uone kana vachizoziva nhoroondo ye inshuwarisi yawakatotanga imomo ipapo. Iwe unogonawo kubvumira kambani yako yveshuwarisi yeruzivo kuti iwe waigara kupi iwe usati wapiwe inshuwarisi pasi pevabereki vako yemitemo yeimba (kana pakanga pasina maitirwo), hazvivimbiswi, asi inogona kushanda sezvo iwe wakanga uri munyaya "inshuwarisi" semunhu wemhuri anogara munzvimbo iyoyo.
- Wana mutemo wevaridzi vemunharaunda chero kupi zvako wauri kurarama usati watenga imba
Kuva ne Renters Inishuwarenzi Inogona Kubatsira Mari Dzapamusoro Paunotenga Imba Yako Yokutanga
Pane zvakawanda zvinobatsira pakuwana renster inshuwaranga pakutanga muupenyu, haisi kungokudzivirira kubva pamatambudziko asingatarisirwi emari kana pane kubhururuka kamwe-kamwe kana moto asi inokuisa iwe kuti uchengetedze mari mumba mako kana inshuwarisi yako paunotenga imba yako yokutanga.
Makambani eInishuwarenzi anopa zvikwereti kune vanhu vanogona kuratidza musarudzo-risina mhaka yezvakaitika. Kana ukamirira kusvikira watenga imba yako yokutanga kutenga inshuwarheni, unogona kubhadhara kusvika 25% kune imwe imba yako yveshuwarensi yepamusoro, kana uchienzanisa nemumwe munhu akambotora inshuwarisi kwemakore mashomanana.
Maererano neNational Association of Insurance Commissioners (NAIC), inowanikwa mari yeinster inshurensi inenge madhora 187 pagore. Izvi zvinopararira kubva kuhurumende kusvika kune imwe nyika, kunyange zvakadaro kunyange munzvimbo dzinodhura zvikuru, unogona kuwana zvakakosha pasi pe $ 20 pamwedzi.
Saka fungidzira iwe unobhadhara renster inshuwarisi kwemakore matatu, uye usingaiti. Ngatitii inoshanda kuma $ 600. Zvino iwe unoshandisa yako inshuwarisi pamusha wako wekutanga. Uchishandisa chiyero ichi, Kana iwe ukakwanisa kuchengetedza 25% kana kupfuura pamari yemhuri yako yehushuwarisi yemusha nekuva nemhosva-isina mhaka yakaitika kare muhomwe yako, iwe uchangoita kuti mari yako idzoke zvakare, kana kuti kaviri, mumatambudziko e iyo inishuwarenzi yepamusoro yakarongwa inotaura. Kuuya nechepasi peudhora masikati pazuva rehutano inshuwarheni, haingokudziviriri chete kubva kune mari yemari apo iwe uchikwereta, asi inova mari yekutsvaga mari mune mari shoma yekudzimba pamba munguva refu.