Kubweza inshuwalansi: ndemanga. kubweza inshuwalansi

Kubweza inshuwalansi n'kofunika pamene kugula malo pa ngongole. Pamene opereka ngongole wobwereka magombe kuika chinanso chofunika - kugula ndondomeko kubweza inshuwalansi.

Chilamulo Federal "Pa kubweza (kubweza)" kumafuna inshuwalansi kuvomerezedwa katundu kuwonongeka ndi kuwonongedwa. Pamene ngongoleyo, mabanki ambiri kukakamira zina kapena mabuku inshuwalansi kuchepetsa mavuto awo.

N'chifukwa chiyani ndikufunika inshuwalansi?

Kubweza - ngongole kwa yokhala mu komitiyi pansi kuchuluka osachepera. Choncho, magombe ndikufuna kuchepetsa chiopsezo ngongole zoyipa ndi kupereka mabuku kubweza inshuwalansi. Chinthu inshuwalansi katundu ndi kiyi kuti pangotsala. Koma kwa chitetezo zonse za mabanki amakonda makasitomala kutsimikiza miyoyo yawo ndi thanzi, komanso chiopsezo imfa ya katundu ufulu.

Kwa makasitomala amene amasiya ndondomeko zina zambiri kupereka amadwala chidwi. Koma ambiri a borrowers onse kumvetsetsa kuti moyo chilichonse chingachitike, ndipo mwakufuna kulowa Mapangano zina za inshuwalansi ndi moyo.

Koma inshuwalansi udindo, zilibe kokha ntchito kwa nyumba, anagula pa msika sekondale, komanso nyumba zatsopano. Zochita palinso milandu mavuto ndi eni yapita nyumba, ndi malonda awiri a nyumba kumangidwa. Mu mtundu uwu wa mwini inshuwalansi chatsopanochi ayenera okha oyambirira zaka 3, pamaso pa lotha wa nthawi malire kwa wotuluka zovuta malo.

Limatchula za inshuwalansi kubweza

inshuwalansi kubweza ngongole ali zina zapadera. The mgwirizano ndi kampani inshuwalansi mokomera ngongole ya mwachitsanzo mapindu amene adzalandira inshuwalansi indemnity, ndi gombe, osati wobwereka. Choncho, ndalama inshuwaransi, kawirikawiri limafanana ndi kukula kwa ngongole ya.

Kuchuluka kwa ngongole pang'ono ndi pang'ono yafupika, ndipo potsatira yafupika ndalama za ndondomekoyi. Pankhani inshuwalansi banki amalandira malipiro kuchuluka kwa ngongole mwapatsidwa ndi mwini chuma wotaya ndalama padera paokha, kuphatikizapo malipiro koyamba. Kuti tipewe zimenezi, mukhoza kupanga mgwirizano wa inshuwalansi phindu lonse la nyumba ya. Ndiye mwini wake adzakhala phindu la mbali yawo Uwerenge inshuwaransi.

wotere omwe aperekedwa ndi makampani ambiri, kuphatikizapo "VTB Insurance". Kubweza inshuwalansi kungakutetezeni onse banki ndipo wobwereka.

ubwino Loan

Choyamba inshuwalansi onse kubweza amateteza banki ndi zomvetsa amene angakhalepo chifukwa kusakhulupirika wobwereka a. Iwo amagwira ntchito yofunika kwambiri pa zochitika kumene kugulitsa ina ndi sizingatheke kapena sifikira kobiri yonsene ya ngongole.

Chifukwa kuli inshuwalansi kubweza amakhala ano anthu ambiri pa wotsikirapo anthu.

inshuwalansi katundu

Kubweza inshuwalansi mu malo oyamba zikutanthauza kuteteza ina. Chinthu inshuwalansi Pankhaniyi akhoza kupanga zinthu kapangidwe ndi zamkati chipinda.

Mmodzi wa osewera zikuluzikulu msika ndi "Rosgosstrakh". Kubweza inshuwalansi ku kampani zimenezi zimaphatikizapo mndandanda lonse zodzinenera inshuwalansi zotheka. Kawirikawiri ndi moto, kuphulika, madzi osefukira mphezi, masoka achilengedwe, kuswa malamulo zochita za lachitatu maphwando, kupunduka kapangidwe ndi zina zotero.

inshuwalansi moyo

Ena mabanki amaumirira inshuwalansi moyo ndi thanzi la wobwereka lapansi. inshuwalansi chino chikulongosola mavuto otsatirawa:

• imfa zosakhalitsa wa kulemala inshuwaransi;
• chilema ndi kukhazikitsidwa kwa kulumala;
• imfa.

Posankha mfundo angafunikire kufufuza mankhwala. Ngati uyu adzakhala wapezeka zingasokoneze moyo ndi thanzi la kasitomala, mtengo wa inshuwalansi akhoza zochuluka.

mutu inshuwalansi

Mtundu wa inshuwalansi ndi chiopsezo cha imfa ya katundu ufulu monga mbali ya inshuwalansi pulogalamu. Wobwereka osamvera akudzitengera chiopsezo imfa ya katundu ufulu, ngati anatsutsa ndi gulu lina. Ngakhale tikukumana ndi mavuto, utumiki uwu ndi zogwirizana kwambiri ndi zingathandize kuteteza motsutsana chinyengo ndi wogulitsa katundu. Nthawi zina, fufuzani chiyero mlandu wa kunyumba ndi zovuta.

Mtengo ndi zikhalidwe

inshuwalansi akuda ambiri kunyamula kubweza inshuwalansi. Reviews amasonyeza kuti mtengo komaliza zingasiyane malingana ndi kampani. Sikuti kulowa pangano ndi mawu oyambirira a inshuwalansi, ndi bwino kuphunzira za zinthu ndi mtengo maofesi osachepera ochepa. banki amapereka wobwereka pa mndandanda wa inshuwalansi akuda wokhulupirika, womwenso lalikulu osewera msika, mwachitsanzo, "VTB Insurance".

Kubweza inshuwalansi ikuchitika pa nthawi yonse ya mgwirizano kubweza. Uwerenge inshuwaransi wayikidwa wofanana ndi mtengo wa ngongole ndi, chinawonjezeka ndi 10% kwambiri. Pa pempho la chuma wobwereka angathe inshuwaransi kwa ndalama zonse.

Chaka chilichonse, muyenera amalipira ndalama za inshuwalansi. kukula awo adzakhala ndichepe ngati alipire ngongole. Komanso, mtengo wa umafunika amadalira kuchuluka inshuwaransi, mtengo uli m'badwo wa inshuwaransi, mtundu wa pangano ngongole ndi katundu anapeza, chiwerengero cha borrowers.

Mtengo wa inshuwalansi ndi mfundo anatsimikiza payekha malinga zinthu tatchulazi. Pakuti wobwereka ndi kubweza inshuwalansi ndalama za 1.5-2% Uwerenge inshuwaransi. Izi ndizo za mtengo wa inshuwalansi mabuku, kuphimba pafupifupi onse kuopsa zotheka.

Mgwirizanowo inshuwalansi akhoza anaperekeranji tsiku kuzipeleka zolembedwa ndi ntchito.

Zochita pa nkhani inshuwalansi

Ngati chochitikacho inshuwaransi, ntchito yoyamba ya wobwereka ndi - kuti awadziwitse inshuwalansi kampani ndi banki. Choncho inshuwalansi limagwirira ali anayamba. Monga phindu, ndicho, amene adzalandira ndalama, ndi kukongoza banki, ndiye mafunso onse adzayankhidwa pa mlingo bungwe ndalama. Komabe, wobwereka ayenera kukhala ndi chidwi patsogolo ndondomeko.

borrowers ambiri amaopa kuti ndalama lolipiridwa ndi inshuwalansi kampani, sikokwanira kuphimba ngongole zonse. Banki ndi Insurance akatswiri amanena kuti pakutchulidwa wa zikatero n'zosatheka. Ndi resumption a mgwirizanowo inshuwalansi adzagwirizana kuchuluka kwa ngongole kuti katundu wonse anaphatikizidwa malamulo.

Ndingatani tulukani inshuwalansi

Kubweza inshuwalansi - lamulo, n'zomveka ndithu. Komabe, borrowers ambiri amakonda ndalama ndi kupewa mgwirizanowo inshuwalansi. Ngati kulephera koyamba likuoneka kuti mlingo chidwi pa ngongole, ndi kukana kupereka lotsatira inshuwalansi umafunika mavuto aakulu kwambiri.

Banks amatchula kuthekera kulephera mwadzidzidzi inshuwalansi mu mgwirizano ngongole. Pakuti Zikatere, amapereka ziletso, ndi wokongola lolimba. banki amangokhala amafuna kamodzi kubwerera ngongole onse.

Ngati n'koyenera, wobwereka akhoza kusintha inshuwalansi kampani. A phungu ayenera anagwirizana ndi banki. mabungwe kukongoza Usagwirizane ndi makampani onse inshuwalansi, ndi kokha yaikulu. Choncho, insurer latsopano kuyenela anaphatikizapo pa mndandanda naye.

Onse Bank ndipo wobwereka sayenera kutetezedwa mwadzidzidzi. Lingakutsitsimuleni kubweza inshuwalansi. Reviews borrowers zikusonyeza kuti kusankha insurer si zofunika kwenikweni kusankha banki ndi ngongole zinthu.