Chii chinonzi PMI kana Private Mortgage Insurance uye inofanirwa here?
Private Mortgage Insurance, kana PMI, rudzi rweinishuwarenzi iyo inosimbisa muridzi wekwereti kana mutengi akasafa pamutero. Iko chikwereti, kana bhangi, inoda PMI apo mutengi ane chikwereti chekubhadhara pasi pe20% yemutengo wekubvunza mumba. Pamwe mortgage inshuwarisi ine mazano akanaka uye akaipa, uye kune nzira dzekudzivisa kubhadhara pasina kuisa pasi 20% inoda.
Private Mortgage Insurance ine zvakanaka
Chinhu chakanaka pamusoro pe PMI ndechokuti inobvumira mumwe kutenga imwe imba asingafaniri kuchengetedza 20% inoda. Vakawanda veAmerica vanogona kusvika kuAmerica kurota nevakawanda vanoita 3-5% pasi purogiramu. Iyi mapurogiramu inokwanisika nekuda kwepachena mortgage inshuwarisi. Paunotenga imba iwe unofanirwa kutenga inshuwaridhi yemashambarenzi . Pamusoro pezvo iwe unofanirwa kubhadhara mari yepayamu yePMI, kazhinji mubhuku rako rekuchengetedza, kana iwe usingaise 20% pasi. Pamwe mortgage inshuwarisi haisi kukupa vashandi vehupfumi inshumo, asi inopa bhujisitiri yebhengi iyo inoita kuti iwe usazadzikisa zvikwereti zvako nekurega kubhadhara chikwereti chako. Kushandiswa kwePPI kwave chiri chinhu chikuru chekutora vaAmerica vakawanda mudzimba, asi kune zvimwe zvipfeko.
Kudengenyeka kwe PMI
Dambudziko rega re mortgage inshuwarisi nderokuti rinomutsa mutero wako we mwedzi uye uye, kusiyana nemafambisiro emutambo wemari, PMI haisi mutero wakabviswa.
Iwe unokwanisa pakupedzisira kupedza pachake mortgage inshuwarisi kana iwe uchigona kuratidza kuti iwe unokwereta 80% kana kuti pasi pekukosha kweimba yako. Kuwana chikwereti chako chepakati kusvika ku80% yemari yeimba inogona kutora makore mazhinji. Mashoko akanaka ndeokuti iwe unogona kuva nezvose zvitatu: Kubhadhara pasi kwakaderera, kubhadhara kwepasi pamwedzi, uye HERE PMI!
Zvadaro, ngatimbokurukurai zvamunogona kuita mukudzivirira PMI.