Kuti unzwisise kuti amburera inoshanda sei, fungidzira uri kutarisa pane chivako chakadzika nechepamusoro padenga reimba. Denga rine mahwendefa anowedzera kunze kwechivako munzvimbo dzose.
Pasi pechivakwa uye masvingo anomiririra mazano ako (primary) mazano . Denga rinomiririra umburira wako. Kureba kwechivako kunoratidza miganhu inopiwa nemitemo yako yekutanga. Uhu huri pamusoro pedenga remba hunoratidza mitsara inopiwa nemusera yako. Izvo zvipfeko zviri pamusoro pedenga zvinomiririra zvikamu zvinopiwa nemusulama wako asina kuiswa mumitemo yako yepamusoro.
Imburera inopa kudzivirirwa kunokosha pamhosva huru dzemhosva dzinogona kuparadza simba rako. Usati watenga purogiramu, zvisinei, pane zvinhu zvakawanda zvaunofanira kufunga.
Zvikamu
Izvo zvidimbu zvamunoda zvakasimba zvinowanzoenderana nemhando yebhizimisi renyu. Semuenzaniso, mahotera, magane operator, uye vanogadzira mishonga vanogadziriswa zvakashata. Vanoda miganhu yakakwirira yemaambura pane kutaura, chitoro chezvitoro. Bvunza vashandi vako kana kuti broker kuti akubatsire kuziva kuwanda kwekutenga kwaunoda.
Zvinyorwa
Amburera inofanirwa kupa zvikwereti zvisingabhadharwi nemutemo wako wekutonga.
Izvo zvinoshandiswa nekambani yako zvinoda kubva kune rudzi rwebhizimisi raunoshandisa. Semuenzaniso, kana kambani yako ichiita bherwery, unogona kusarudza amburera iyo inosanganisira kuvhara doro . Saizvozvowo, kana iwe wakasimba uine chikepe chekupemberera vatengi, unogona kusarudza ambraira iyo inosanganisira kuvharwa kwemhosva yemvuracraft.
Mutengo
Zvikwereti zvembrella zvinosiyana zvichienderana nevanotakura, miganhu, uye zvivigiro zvaunotenga. Bvunza vashandi vako kana kuti broker kuti uone kuti yakawanda sei maambura angangodhura.
Kusiyana
Kuwanda kwekugoverwa kunobhadharwa nesambura kunogona kusiyana zvakasiyana kubva kune imwe inshuwarisi kune imwe. Nokudaro, zvakakosha kutenga zvakapoteredza uye kuenzanisa mitemo. Nzvimbo yakanaka yekutanga ndeyokuwana mureza wekamberi kubva kune inshuwarisi iyo yakabudisa hurukuro yako yepamusoro. Kana uchinge watora zvinyorwa, iwe unogona kuzvishandisa sechikonzero chekuenzanisa. Kana uine chikwereti chako cheshuwarenzi hachipi zvimburera, bvunza mutengesi wako kana kuti mutengesi kuti aratidze vamwe vari kutakura.
Pitfalls
Pane zvinhu zvishomanana zvekuchengetedza mupfungwa paunenge uchitsvaga mumuraira . Kutanga, akawanda amburera bhizimisi vakatsiva "legalese" nerurimi rwakajeka sezvakawanikwa mumitemo yepamusoro. Izvi zvakaita kuti maruti ave nyore kuverenga. Zvisinei, mamwe marumisiro akafanana zvakafanana nehutano hwekuti ivo vanonyanya kuratidza mifananidzo. Izvi zvinonzi maambura zvinogona kupa zvishomanana kana zvakadai, zvinyorwa zvisingabhadharwi nemutemo mukuru.
Chechipiri, hurongwa hwemuburera hunogona kunge huine zvisarudzo zvisingawanikwi mumitemo yako yekutanga. Zvimwewo, umburera inogona kuva nehutano hwakadaro hwekuregererwa semutungamiri wako wekutanga, asi kubviswa mumusula kunogona kunge kwakapararira.
Semuenzaniso, kutarisirwa kana kukuvadzwa kunokonzerwa kusarudzwa mumutemo wako wekutonga kunopa chimwe chikamu chekukuvara kwemuviri kana kukanganisa kwemamiriro ezvinhu kunokonzerwa nekushandiswa kwesimba rinodzivirira kuchengetedza vanhu kana zvivako. Kuvhiringidzika mumurairo wako wemuraira hauna zvinhu izvi zvisiri izvo.
Chechitatu, mamwe maambura ane chekuchengetedzwa kwega-insured kana "SIR." Inomiririra mari yako yakasimba ichabhadhara muhomwe yega yega inowanikwa yakafukidzirwa nemusambura asi kwete mutemo wekutanga.
Purood Policy
Pakupedzisira, umurairo wako unotanga kutanga nekuguma pamazuva akafanana nemitemo yako yekutanga. Mazuva ezvematongerwo enyika anokosha nokuti akawanda emburera zvinokonzera kugoverwa kune kukuvadzwa kana kukanganisa kunoitika panguva yemutemo wemaambura . Zvinetso zvinogona kubuda kana mazuva asina kufanana. Chimbofunga muenzaniso unotevera.
Capital Build is insured pasi pepfungwa huru yekudzivirira mitemo neChimwe Chechiitiko Chikamu che $ 1 mamiriyoni uye Gwaro reGeneral Aggregate ye $ 2 mamiriyoni. Nhungamiro inotanga musi waJanuary 1, 2017 uye inopera musi waJanuary 1, 2018. Guta rinotarirwawo pasi pemurairo wemaambura inotangira kubva munaMarch 1, 2017 kusvika munaMarch 1, 2018. Muna 2017, vanhu vatatu vakakuvara mumatambudziko akasiyana nebasa raMapurisa nzvimbo. Mumwe nomumwe anotora sutu neChris Construction. Zvitongwa izvi zvakagadziriswa pamazuva uye nemari inoratidzwa pasi apa.
January 20: $ 1,000,000
February 20: $ 800,000
April 10: $ 900,000
Gwaro rekutanga rekubhadhara mutero rinopa mari yekutanga kudai. Chimwe nechimwe chikaguma kubva pane zvakaitika zvakasiyana uye zvakakonzera kukuvadza kusina kudarika Chiitiko Chega Chega. Zvisinei, mutemo unobhadhara $ 200,000 chete pamutambo wechitatu nokuti Mutemo Wakazara weGwaro wakashandiswa. Amambura inshurensi anoramba kubhadhara mari inosvika $ 800,000. Sei? Chero chechitatu chirevo chakabuda kubva mukukuvadza kwakaitika munguva yemurairo. Izvo zvikamu zvakasangana hazvina kupedzwa nemiganhu yakabhadharwa nekuda kwekukuvadzwa kana kukanganisa kwakaitika panguva yehurongwa hwemaambura. Nokudaro, amburera hairipo chinhu.