Isigaba somshwalense wezingozi zezinqubomgomo zomshwalense wabanikazi bezindlu ezijwayelekile azibandakanyi izikhukhula ezivela ezimbangela zemvelo zangaphandle, njengeziphepho ezinamandla, noma ezenziwe umuntu, njengokuphuka kwedamu.Umshwalense oqanjwe ngokukhethekile kuphela, umshwalense ohlukile, ongavikela kulolo hlobo lokucekelwa phansi noma umonakalo.
Umshwalense wezikhukhula ngokuvamile uwukuzikhethela kubanikazi bezindlu ababolekiwe ezindaweni ezivame ukubhekwa njengezindawo ezisengozini encane yezikhukhula.Kungase futhi kube okuzithandela kubanikazi bezindlu ababolekiwe ezindaweni ezinezikhukhula eziphezulu, kuye ngohlobo lwemalimboleko.Kodwa-ke, abanikazi bezindlu kuzodingeka bathenge umshwalense wezikhukhula uma bethatha imali ebolekwayo kumabolekisi elawulwa yi-federal noma enomshwalense (njenge-FHA mortgage) futhi bathenge ikhaya endaweni eyingozi kakhulu yezikhukhula (eyaziwa nangokuthi iSikhukhula Esikhethekile. Indawo eyingozi).Ezimweni eziningi, umnikazi wendlu kuzodingeka akhokhe umshwalense wezikhukhula minyaka yonke kuze kube yilapho isibambiso sendlu isikhokhiwe.
IZINDABA EZINKULU
● Umshwalense wezikhukhula uvamise ukudingwa ababolekisi bezindlu uma izakhiwo zitholakala ezindaweni ezibekwe uhulumeni ezinengcuphe enkulu yesikhukhula noma ezindaweni ezikhukhula.
● Umshwalense wezikhukhula uyinqubomgomo ehlukile kumshwalense wabanikazi bezindlu, ngokuvamile ongafaki umonakalo noma ukucekelwa phansi kwezikhukhula.
● Ababolekisi ngokuvamile badinga kuphela umshwalense wezikhukhula ukuze uvikele isakhiwo sesakhiwo, nakuba ababolekayo bengakwazi futhi ukuthenga umshuwalense wezimpahla zabo siqu nefenisha.
● Umshwalense wezikhukhula utholakala ngoHlelo Lomshwalense Kazwelonke Wezikhukhula (i-NFIP) kubanikazi bezindlu abasezindaweni ezisengozini enkulu kanye neminye imiphakathi ehlanganyelayo.
Isikhathi sokuthumela: Jan-20-2022