Nokuda kwekuita nyore, tichafunga kuti zvinhu zvose zvinotaurwa mumitemo inotevera ndeyekuchengetedzwa pamutengo wekubhadhara huri pa100% yehuwandu hwahwo (kureva kuti hapana mari inoshandiswa). Ticharega zvakare kubviswa .
Chirevo Chakanyanya
Chimwe chirevo chinogumira kune mumwe munhu weimba.
Kana iyo pfuma ichitsvaga kana kuparadzwa nedambudziko rakavharidzirwa, iyo inowanikwa mubhadhadziro ichabhadhara iyo pfuma ndiyo yakananga.
Somuenzaniso, ngatiti iwe une chivako chekutengeserana uye bhizimusi pfuma (BPP) iri panzvimbo imwe chete. Mari inoshandiswa pakugadzirisa chivako ichi $ 1 mamiriyoni apo mari yekudzosera BPP yako iri $ 500,000. Iwe unochengetedza iyo pasi pasi pemutemo unosanganisira zvikamu zvakasiyana-siyana zve $ 1 mamiriyoni zvekuvakwa uye $ 500 000 yeBPP.
Bhokete Ropa
Chigadziko chemagumbe chinoshandiswa kune marudzi anopfuura ega eimba panzvimbo imwechete, kana kune imwechete yeimba panzvimbo dzakawanda. Inogonawo kushandiswa kune marudzi ese eimba panzvimbo dzakawanda.
Mamiriro ezvinhu apfuura, fungidzira kuti unochengetedza chivako chako neBPP pasi pesimboti yepfuma inosanganisira chigadziko chembatya. Muchiitiko ichi, sarudzo yako icharatidza muganhu we $ 1.5 mamiriyoni iyo inoshanda kune zvose zvekuvaka uye BPP yako.
Uyu muganhu uchawanikwa kana imba yako, yako pfuma yako kana mapoka maviri edzimba akaparara kana kuparadzwa nedambudziko rakavharwa.
Iye zvino fungidzira kuti zvivako zvako zviviri zvezvokutengeserana zviri munzvimbo dzakasiyana. Chivako chimwe nechimwe chine bhizimusi pfuma yako. Mari inotora nzvimbo iyi ndeyekuti:
Nzvimbo # 1: $ 1 mamiriyoni zvekuvakwa uye $ 500,000 yeBPP
Nzvimbo # 2: $ 1.5 mamiriyoni ezvo kuvaka uye $ 700,000 yeBPP
Kana iwe uchida kuvhara imba yacho nemiganhu yebhandi, une zvinhu zvitatu.
- Kusiyanisa Mitsara Yezvivako uye BPP Unogona kusarudza mamiriyoni maviri emamiriyoni maviri evhareji ye Buildings uye mamiriyoni emadhora e $ 1.2 million eBPP. Icho chivako chekuvaka chichashandiswa kune zvivako zvose. Muganhu weBPP unoshanda kune BPP munzvimbo mbiri.
- Kusiyanisa Blanket Chiyero Cheimwe Nzvimbo Zvimwewo, unogona kusarudza chigadziko che $ 1.5 mamiriyoni kuitira chivakwa uye BPP paNzvimbo # 1. Chimwe chivharo chakasiyana che $ 2.2 mamiriyoni chinogona kushanda kune chivako uye BPP paNzvimbo # 2.
- Bhenekeri Risina Kukwana Nzvimbo Yezvikamu Zvose Chisarudzo chechitatu ndechimwe chigadziko chembatya ye $ 3.7 mamiriyoni inoshanda kune Buildings neBPP munzvimbo mbiri.
Kubatsira kweBlackank Limit
Paunosarudza muganhu wegumbeti, muganhu wose uripo nokuda kwekurasikirwa chero ipi zvayo inenge yakatarisana nemuganhu. Chimwe chivharo chehomwe chinopa mukana mukuru pane imwechete muganhu kana imwe yenhumbi yako ichiwedzera mukukosha mushure mokunge mutemo watanga. Somuenzaniso, fungidzira kuti iwe unosarudza chigadziko chimwe chete che $ 3.7 mamiriyoni kuti uvhare zvivako uye pfuma yako yaunayo munzvimbo yako mbiri.
Mwedzi mitatu muchirevo chekutaura iwe unotenga zvimwe zvishandiso zvaunochengeta paNzvimbo # 1. Kuwedzerwa kweBPP yako panzvimbo ye # 1 ikozvino $ 650,000.
Kwapera humwe usiku mheni inokonzera moto muchivako paNzvimbo # 1. Chivako nezvose zvayo zviri kuparadzwa. Kunyange zvazvo kukosha kweBPP yako kwakakura kune yakange iri musi wekutanga wepurogiramu yako , kurasikirwa kwakavharwa. Nhamba ye kurasikirwa ($ 1,650,000) yakaderera kudarika $ 3.7 mamiriyoni evhareketi.
Heanoi mumwe muenzaniso unoratidza kukosha kwemukombera wekoteti. Ngatiti iwe wakanga wasarudza kuisa pfuma yako nemiganhu mina yakananga:
- Kuvaka paNzvimbo # 1: $ 1 mamiriyoni
- Kuvaka paNzvimbo # 2: $ 1.5 mamiriyoni
- BPP paNzvimbo # 1: $ 500,000
- BPP paNzvimbo # 2: $ 700,000
Apo chivako chako chinopisa paNzvimbo # 1, mari yehupfumi hwako ($ 650 000) inopfuura chikamu chako ne $ 150,000.
Iwe unofanira kubhadhara $ 150,000 iwe pachako.
Kana ukasarudza miganhu chaiyo, iva nechokwadi chokuti mumwe nomumwe akakwana. Iva nechokwadi chekuwedzera muganhu wako kana iwe uchinge uwana pfuma yakawedzerwa kana kuti uite kugadziridza zvivako munguva yematongerwo enyika. Kana zvisina kudaro, muganhu wako ungasave wakakwana kuti uvhare kurasikirwa.
Zvimwe Zvimwe
Pano pane pfungwa shomanana dzinofanira kuyeuka pamusoro pemiganhu ye blanket.
- Kugoverwa kwepamba kunosanganisira chigadziko chemavheekeri kunodhura zvakanyanya kudarika kuparidzirwa kubva pamiganhu yakananga.
- Coinsurance ichashanda kana iwe ukachengetedza pfuma yako pasi pe100% yaro kukosha. Kazhinji, muganhu wehombodo unowanikwa chete kana iwe ukachengetedza pfuma yako kweanenge 90% yehuwandu hwahwo.
- Hazvinei kuti uri muganhu wei, iwe unogona kunge uri pasi pekuregererwa.
- Imwe purogiramu yemigodhi inogona kusanganisira zvose zvipfeko uye mimwe mitemo. Semuenzaniso, muganhu wegumbeti unogona kushandiswa kune zvivako asi imwe muganhu unoshanda kumunhu wega.
Chenjerera Mutsara weMuganhu!
Pakupedzisira, vamwe vashandi vanoita bhizimusi vachawedzera chirevo chemugadziro kune chirevo chine chigadziko chembatya. Iri chinyorwa chinosanganiswa kuburikidza nekubvumirwa. Iyo inoderedza mari yauchawana kubva kune yako inshuwaridzi kana nzvimbo yako inotsigira kurasikirwa kukuru. Kana iwe ukawana chikamu chemugumo wakabatanidzwa nepurogiramu yako yepfuma, bvunza wako inshuwarisi kuti uibvise.