E uye O inishuwarenti inodzivirira vashandi vemazana emhosva kana pane mhosva
Hazvina mhosva kunyatsogadziriswa kwemajeri edzimba, basa rekutonga rinogona kuiswa kune anoshanda nekutengesa, kunyange izvo zvingave zvisiri izvo kana kuti zvisingabatsiri. Mari yepamutemo inofanira kubhadharwa pasinei nokuti ndiani anowiririra mudare, uye iyo mari inogona kutyisa kumari yemari. Zvikanganiso uye kushandiswa kwemishoni inshuwalisi, E & O kwenguva pfupi, ndiro zita rinoshandiswa kurondedzera rudzi rwekushaya mari inshuwarheni yekugadzirisa ye real estate professionals.
Apo nhengo inotakura hutambisi yeE & O, kambani yeinishuwarensi inodzivirira kudai uye inobhadhara chero kugadzirisa kana kutongwa kunopikisa mujeri kusvika kumiganhu yemhosva inotaurwa mumutemo. Kuvharidzirwa kunodzivirira real estate professionals pamusoro pekurasikirwa kwemari kubva pamhosva dzinotumirwa semugumisiro webasa ravo muhupfumi hwehupfumi.
Vakawanda vepfumi vanotengeserana vanotengesa E & O inshurensi kuvatengi vavo vekutengesa sechikamu chepakati huru yehutano hupi zvayo inopiwa kumushandi wepajeri. Sezvo, vashandi havasi kuziva nguva dzose kana kufunga pamusoro pezvinhu zveiyo inokosha inishuwarenzi. Heano zvimwe zvidzidzo pamusoro pehupfumi hweE & O.
Chinhu cheE & O Chinhu
- Nyika inotaura kuti inouya nekuda kwekukanganisa, kuregererwa, kana kusaregererwa kunobatanidza nemabasa semugovera weimba.
- Nyika inotaura kuti yakaitwa munguva yemitemo.
Yakawanda E & O Kusarudzwa
- Mhosva dzinokonzera kusatendeseka kana kuipa kwebasa nejiti.
- Mhosva dzinosanganiswa nezvinhu zvakasvibiswa.
- Mhosva dzinopikisa mujeri kana mujeri anokonzera kukuvadzwa kwemuviri kana rufu kumumwe munhu.
- Mhosva dzinokonzerwa nekukuvadzwa kunokonzerwa nenhengo kune imwe nzvimbo yeumwe munhu.
E & O Imhosva Limits
- Inofanirwa zvichienderana nemutemo wako. Bvunza vashandi ve inshuwarisi kuti vatsanangure nzira.
Deductibles for E & O Inishuwarenzi
MuInishuwarenzi, iyo yakakodzwa ndiyo mari yemugovereri anofanira kubhadhara mushure mekunge inshuwarisi inoputira.
Mimwe mitemo yeE & O ine zvigadziriswa zviviri. Pane imwe inogona kubhadhara mari yekuchengetedza uye imwe yekubhadhara kwekukuvara kana sarudzo inowanikwa yakanganisa.
Mamwe madhipatimendi anotendera kubhadhara zero pamaphaketeni eE & O, kupa hurumende kuchengeta faira yakakwana nemagwaro anotsvaga kubhadharwa uye mutemo unoda. Izvi zvinogonawo kudzoka kana mujeri asingakwanisi kubhadhara purogiramu yakakwana kubva pakuvhara.
Kudziviririra Iwe pachako
Kana munhu akaisa mhosva kumudzidzisi weimba, pane mikana iyo munhu iyeye achapawo mhosva pamusoro pemari yekutengesa, kunze kwekutumira kunyunyuta nejiti rehurumende yezvemahofisi . Sezvakaitwa zvekare uye nezvekugadzirisa kutarisana nematambudziko kana zviitiko zvingave zvinopomerwa, tevera mazano aya:
- Chengeta zvinyorwa zvakarurama zvekutengesa kwose uye kushamwaridzana nevatengi. Semuenzaniso, vamwe vashandi vanochengeta magetsi kana mabhuku ezvinyorwa anonyora mazita evatengi, mazuva ekubatana uye nyaya dzekutaura.
- Paunotora foni kubva kune vatengi, vamiririri vanowanzova nekinyorwa chakanaka uye vanotora manotsi akawandisa munguva yehurukuro.
- Cherechedza mhinduro dzevatengi kune zvinyorwa uye zvinyorwa zvakagadzirwa nemunhu anokweretesa, muchengeti wemusha uye / kana mazano ekugadzirisa kumba .
Sevhizimisi redzimba, mutambi anofanirwa kunzwa akanetseka achikumbira vatengi kuti vasaina zvinyorwa zvinotsanangura zviito zvakarongedzwa nemujeri-uye mutengi akabvumirana. Semuenzaniso, mutengi anorega kutarisa imba anogona kuuya achigogodza pamusuo wemagare kana mhepo yakasviba inopera zuva raanopinda mumba iyo mutengesi akatengeswa kwaari. Kana mafaira ejenti ane chipiro chakasayirwa chichiratidza kuti mujeri akakurudzira kutarisa kweimba uye mutengi akaramba, mujeri anovharwa zvakakodzera.
Ma Agent anofanirwa kunyora sehuwandu hwechokwadi sezvinobvira panguva yekutengesa zvivako. Iyo inogona kubatsira mujeri pasi pemugwagwa kana muchengeti gare gare asina kufara nezvimwe zvinhu zvekutengesa. Vamwe vanyori vanotochengeta kunyange zvinyorwa zvezvose zvinyorwa. Smart agents vanochengetedzawo faira yega ega imwe email.
Ingosvitsa ma email ose mufaira mushure mekuvhara. Nezvo, nhengo inogona kunge isingadi kuvimba neE & O.
Yakagadziriswa naEthizabeth Weintraub, Nyanzvi yekuTenga uye Kutengesa kuE Balance.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.