Kukonza premiums inshuwalansi: nthano ndi zenizeni

Insurance premiums - osiyana mutu mutu wa pafupifupi kampani. Ngati olimba ntchito akatswiri mlandu, monga ulamuliro, mavuto ndi mawerengedwe ndi malipiro a zopereka ndalama sadzafika. Koma amalonda amene sanasankhebe pa utumiki mothandizidwa ndi akatswiri, tiyenera kuzindikira zinthu zawo ndi nthano za dongosolo lomwelo penshioni.

CHOFUNIKA! Pa 01/01/2017, ulamuliro wa ndalama kwa ndalama adzakhala kachiwiri tinatengera kwa akuluakulu a msonkho. ndipo anali kale posachedwapa. Kuchepa ndodo mu chiphasochi m'madipatimenti msonkho inamva malipiro a premiums inshuwalansi ndi pakalibe chiphaso cha ndalama nawo ayambe wa ndalama imawunikidwa. Patapita kanthawi, boma anasintha dongosolo la zilango, kukakamiza ndalama okha kusonkhanitsa mangawa. Ndipo mu 2017, zinthu adzabwerera mwakale.

"Maganizo" za m'tsogolo ndi mavuto chifukwa

Utumiki wa Finance akufuna kuyambitsa mtengo umodzi wa 26 peresenti kwa premiums inshuwalansi. Ndipo akufuna mu 2017 kukhazikitsa ake pa 29% ndi 2018 - pa 28%. Ndiko kuti, ikuchitika pa kuchepa pang'onopang'ono mlingo. The makampani opereka chithandizo mlandu, misonkhano amati zochita zoterozo sikuti kulola mabizinesi kupulumutsa ndi kuwonjezera mavuto atsopano. Mwachitsanzo:

• Makampani kuti analipira malipiro owonjezera malire Kwalamulidwa, ndalama kulipira kuposa 3-7 peresenti;
• pali chiopsezo cha kusintha kwa malipiro mu envulopu, chifukwa malipiro antchito mkulu adzapita mmbali kwa abwana ake;
• Tili mwakufuna malipilo a wogwila nchito zokhudzana ndi akatswiri mkulu ndi pakati kalasi, Izi zidzapangitsa kuti chipwirikiti cha msika ntchito.

kodi kusintha latsopano amakhoma misonkho chiyani?

M'munsi mwa kusintha m'munda wa premiums inshuwalansi - chilakolako cha akuluakulu kuchepetsa katundu pa amakhoma misonkho. Tsopano, m'malo mulu wa ndalama kuti kuwunika kupereka zopereka adzatero FTS yekha. Pa dzanja limodzi, uwu ndi uthenga wabwino. chiwerengero cha matupi zolimbana kugwa kwa mmodzi. Koma si choncho. Ndalama adzakhala ntchito ngati kuthandiza Federal Tax Service, koma pa nthawi yomweyo ukugwirira ntchito payokha. Choncho, chiwerengero kulamulira matupi sadzakhala ndichepe.

Komanso, kufunika kuyembekezera kumangika kwa ulamuliro mwa akuluakulu a msonkho. Mogwirizana ndi kulanda ntchito kuti achire premiums ngakhale mukufuna pochitika ziro malipoti ayenera kutenga thandizo la akatswiri. ndodo FTS zonse kukhala mbali ya "Cerberus", amene ali wokonzeka kutsimikizira kuti iwo sanali chabe anasamutsa ntchito ulamuliro.

Makampani ambiri idzakonzedwa chifukwa chakuti iwo nthawi zonse onani. Muyenera kudziwa kuti msonkho nthawi zonse chofunika mlingo mkulu wa kutolera misonkho, chindapusa. Ndipo kuti achite "dongosolo" kuti apeze ndalama mu bajeti ya Fund ndi penshioni kuchokera msonkho ndendende zosafunika kudikira malonda revitalization.