Maitiro Ekusarudza Inishuwarenzi Yekurasikirwa Kwebasa kune Yakasimba Remangwana Mari | 2024 Inozivisa

Wati wambofunga here pamusoro pezvinokonzeresa kushaikwa kwemabasa kamwe kamwe pakugadzikana kwemari yako? Uye wakambozvibvunza here kuti ungachengetedza sei mari yako? Inishuwarenzi yekurasikirwa nebasa inhovo kubva kumadutu ebasa asingatarisirwe: zvinopfuura mambure ekuchengetedza ari nyore-icho chishandiso chekusimudzira mari.

Muchinyorwa chino, isu tinotarisa kune redundancy inishuwarenzi, tichiongorora kuomarara kwayo, mabhenefiti, uye mibvunzo yakakosha inogona kukutungamira mukuona rakasimba remangwana remari. Ngatinyure munyika ye inishuwarenzi yekurasikirwa nebasa uye tsvaga mhinduro dzawanga uchitsvaga.

Zviri Mukati:

• Chii chinonzi Job Loss Inishuwarenzi?
• Mhando dzeInishuwarenzi Yekurasikirwa Nebasa uye Zvakanakira Zvadzo
  • Inishuwarenzi Yevasina Basa (UI)
  • Inishuwarenzi Yakarasika Yebasa
  • Inishuwarenzi Yekuchengetedza Mari
  • Mortgage Payment Dziviriro Inishuwarenzi (MPPI)
  • Inokosha Inishuwarenzi Inishuwarenzi
• Zvitsva Zvitsva
• Mibvunzo Inonyanya Kubvunzwa

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Chii chinonzi Job Loss Inishuwarenzi?

Inishuwarenzi yekurasikirwa nebasa, iyo inonziwo inishuwarenzi yekusashanda kana kudzivirira mari, inoshanda senzira yekuchengetedza mari yakarongwa zvine hungwaru kudzikamisa mhedzisiro yehupfumi yekurasikirwa nemabasa. Kushanda semubhadharo wemari, inishuwarenzi iyi inovimbisa rutsigiro rwakagara rwasimbiswa rwemari kune vanhu vari kudzingwa basa. 

Kuzvisiyanisa neinishuwarenzi yekuremara yenguva refu, inishuwarenzi yekurasikirwa nebasa inowanzopa mushonga wenguva pfupi wakagadzirirwa kubatsira vanhu panguva dzekuchinja pakati pemabasa. Chinangwa chayo chikuru ndechekubhadhara mari dzakakosha kusvika muridzi wepolicy awana basa idzva.

Mhando dzeInishuwarenzi Yekurasikirwa Nebasa uye Zvakanakira Zvadzo

Kunzwisisa mabhenefiti emhando shanu dzakasiyana dzeinishuwarenzi yekurasikirwa nebasa kunopa vanhu simba rekuita sarudzo dzakagadzirwa zvakanaka zvinoenderana nemamiriro avo akasiyana. Kuongororwa kwakadzama kwegwaro remitemo, mazwi, uye mamiriro kwakakosha. Kubvunzurudza nevapeji veinishuwarenzi kunoenderera mberi kunopa kunzwisisa kwakajeka kwekusarudza inishuwarenzi yekurasikirwa nebasa inoenderana nezvinangwa zvemari zvemunhu. Uyezve, zvinowanzoita marii kuwana inishuwarenzi yekurasikirwa nebasa? Tsvaga iyo inosangana nezvido zvako uye chengetedza bhajeti yako.

Inishuwarenzi Yevasina Basa (UI)

Ichi chirongwa chinotsigirwa nehurumende chinopa rubatsiro rwemari kune vanhu vakatarisana nekurasikirwa nemabasa pasina mhosva yavo.

Benefits:

• Rutsigiro rweMari: Inishuwarenzi yekurasikirwa nebasa, kunyanya UI, inopa rubatsiro rwakakosha rwemari nekutsiva chikamu chemari yaimbowanikwa nemunhu panguva yekurasikirwa nebasa.
• Rubatsiro rweKutsvaga Basa: Mapurogiramu mazhinji eUI anowedzera zviwanikwa nerutsigiro kubatsira vanhu mukuwana basa idzva, kufambisa shanduko iri nyore.

mutengo: Mari dzeUI dzinowanzovharwa nevashandirwi kuburikidza nemitero yemitero, uye vashandi havabatsire zvakananga kune zvakajairwa kusashanda.

Inishuwarenzi Yakarasika Yebasa

Inopihwa nemakambani einishuwarenzi akazvimirira, mitemo iyi inoenderana neinishuwarenzi inotsigirwa nehurumende.

Benefits:

• Tailored Coverage: Yakavanzika yekurasikirwa nebasa inishuwarenzi inobvumira kugadzirisa, zvichiita kuti vanhu vagadzirise kuvharwa kune zvavanoda, kusanganisira yakakwira muripo wemubhadharo uye yakawedzerwa nguva yekuvhara.
• Supplementary Dziviriro: Kuita sechimwe chikamu, inishuwarenzi yekurasikirwa nebasa inopa yakawedzera dziviriro yemari kupfuura zvirongwa zvehurumende.

mutengo: Mari yemwedzi nemwedzi yeinishuwarenzi yekurasikirwa nebasa inogona kusiyana zvakanyanya, kubva pamadhora makumi mana kusvika pamadhora zana nemakumi maviri kana kupfuura. Mutengo chaiwo unoenderana nezvinhu zvakaita sezera, basa, uye sarudzo dzekuvhara dzakasarudzwa.

Inishuwarenzi Yekuchengetedza Mari

Inishuwarenzi iyi inowedzera kuvharirwa kunze kwekurasikirwa nebasa, inosanganisira zviitiko zvakasiyana siyana zvichikonzera kurasikirwa kwemari, sehurwere kana kuremara.

Benefits:

• Comprehensive Safety Net: Inishuwarenzi yekurasikirwa nebasa, kunyanya kuchengetedza mari, inovhara huwandu hwemamiriro ezvinhu, kusanganisira kurasikirwa nebasa, kurwara, nekuremara, kugadzira mambure akazara ekuchengetedza mari.
• Steady Income Stream: Inovimbisa kuenderana kwemari mukati menguva yekuvhara, ichipa rutsigiro rwakakosha kune vanhu vanofamba nekusagadzikana kwemari.

mutengo: Mutengo weinishuwarenzi yekudzivirira mari inowanzoverengerwa sechikamu chemari yegore remunhu, kazhinji kubva pa1.5% kusvika 4%. Semuenzaniso, nemari ye $70,000 pagore, mari yacho inogona kuva pakati pe $1,050 kusvika $2,800 pagore.

Mortgage Payment Dziviriro Inishuwarenzi (MPPI)

MPPI inopindira kuti ivhare mari yembavha mumamiriro ezvinhu akaita sekurasikirwa nebasa kana mamwe mamiriro ezvinhu anokanganisa kukwanisa kuzadzisa zvisungo zvembavha.

Benefits:

• Mortgage Payment Coverage: Inishuwarenzi yekurasikirwa nebasa, kunyanya MPPI, inochengetedza varidzi vemba nekuvhara mari yembavha panguva yekushaikwa kwemabasa, kudzivirira kusagadzikana kweimba.
• Chengetedzo Yemari: Kupa imwezve chikamu chekuchengetedza mari, MPPI inovimbisa kuti varidzi vemba vanogona kuchengetedza pekugara pakati pekurasikirwa nebasa kusingatarisirwe.

mutengo: MPPI mari dzinowanzogadziriswa sechikamu chemari yekubhadhara chikwereti, kazhinji kubva ku0.2% kusvika ku0.4%. Pachikwereti che $250,000, mutengo wepagore unogona kubva pamadhora mazana mashanu kusvika pamadhora chiuru.

Inokosha Inishuwarenzi Inishuwarenzi

Kunyange isina kubatana zvakananga nekurasikirwa nebasa, inishuwarenzi yehurwere hwakakomba inopa mubhadharo werumpsum pakuongororwa kwechirwere chakakomba.

Benefits:

• LumpSum Tsigiro: Iyo inowedzera mubhadharo we lumpsum pakuongororwa, ichipa rubatsiro rwakakosha rwemari kumabhadharo ekurapa uye kugadzirisa mararamiro.
• Kushandiswa Kwakasiyana-siyana: Kuchinjika kwemari kunopa simba vane mapolicy kuti vagadzirise zvidikanwi zvinobva kuhurwere hwakakomba, zvichipa zororo remari uye mupfungwa.

mutengo: Mari dzepamwedzi dzeinishuwarenzi yehurwere hwakakomba dzinosiyana zvichienderana nezera uye hutano. Paavhareji, vanogona kubva pamadhora makumi maviri nemashanu kusvika pamadhora zana nemakumi maviri. Kumunhu ane hutano ane makore ekuma25, mutemo unopa $120 lump-sum benefit unogona kuita pakati pe$40 kusvika $70,000 pamwedzi.

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Zvitsva Zvitsva

Kupfupisa, inishuwarenzi yekurasikirwa nebasa inzira yakakosha yekudzivirira kubva kumatambudziko emari ekushaikwa kusingatarisirwe. Kunzwisisa mabhenefiti uye mutengo weidzi sarudzo dzeinishuwarenzi dzinopa vanhu simba rekuita sarudzo vaine ruzivo, vachigadzira danho rekutanga rekuchengetedza mari. Kunyangwe takatarisana nekurasikirwa nebasa kusingatarisirwe kana kugadzirira kusavimbika, inishuwarenzi yekurasikirwa nebasa inomira semubatsiri ane hurongwa, ichikurudzira kusimba uye kusimbaradza munzvimbo inogara ichichinja yehunyanzvi.

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FRequently Asked Questions

1.  Unoita sei nekurasikirwa nebasa?

Mukutarisana nekurasikirwa nebasa, shandisa rubatsiro rwunopihwa neinishuwarenzi yekurasikirwa nebasa. Tanga hurongwa hwekukumbira nekukasika kuti uwane rubatsiro rwemari panguva yekuchinja. Saizvozvo, tsvaga rutsigiro rwemanzwiro kubva kunetiweki yako kuti ufambe nemanzwiro ekurasikirwa uye tarisa pakuwana mikana mitsva.

2.  Chii chaunofanira kuita kana iwe wakaputsika uye usingashandi?

Kana watarisana nedambudziko rezvemari mushure mekurasikirwa nebasa, tora muinishuwarenzi yekurasikirwa nebasa kuti usunungurwe nekukurumidza. Wedzera izvi nerubatsiro rwehurumende nerubatsiro rwekurovha. Isa mberi mari yakakosha kuburikidza nebhajeti rakanyatsogadzirwa uye ongorora chikamu chenguva kana yemahara basa rekuwedzera mari uchishingairira kutsvaga mabasa matsva.

3.  Chii chausingafaniri kuita mushure mekurasikirwa nebasa?

Dzivisa zvisarudzo zvemari zvechimbichimbi, uye kana zvakavharwa, kurumidza kuisa inishuwarenzi yekurasikirwa nebasa kuti uchengetedze kugadzikana kwemari. Gara wakabatana netiweki yako yehunyanzvi kuti uwane mikana uye ramba kupisa mabhiriji nevaimbova vaunoshanda navo. Strategic kuronga uye hukama hwakanaka ndizvo zvakakosha pakufamba nematambudziko ekushaya basa.

4. Iwe unobatsira sei mutengi akarasikirwa nebasa?

Batsira vatengi mukushandisa inishuwarenzi yekurasikirwa nebasa zvakanaka. Vatungamirire kuburikidza nemaitiro ekukumbira, kuve nechokwadi cherubatsiro rwemari panguva. Batiranai pabhajeti, kubatanidza mabhenefiti einishuwarenzi, uye nekupa rutsigiro rwemanzwiro. Ipa zviwanikwa zvenetwork, kuvandudza hunyanzvi, uye nekutsvaga basa kutsvaga kugadzirisa matambudziko ekushaikwa kwemabasa.

Ref: Yahoo