Chokana inshuwalansi pambuyo ngongole kuti: m'munsi zifukwa ndi zikalata

Nthawi iliyonse kulowa mu ngongole, ndi wobwereka ndi anakumana ndi kugula ndi inshuwalansi, koma nthawi zina si chomwecho. The Bank monga bungwe ngongole amafuna kuchepetsa mavuto awo, ndipo wobwereka sakufuna overpay kwa zosafunika iye mtima wake. N'kuyesayesa pamene kuti inshuwaransi ndi momwe kuti kukana inshuwalansi pambuyo ngongole ya.

inshuwalansi Kodi ndi amene akumufuna

Akusankha akufuna umafuna banki ngongole, wobwereka akuyesera kusankha okha Njira: zosavuta chidwi pachaka ndipo ndalama. Ndipo nthawi anazunguzika afunsa, ndiye gombe wantchito molimbika kuyesera "kuteteza" izo kwa zinthu zosiyanasiyana inshuwalansi? Chifukwa Ngopambana ngongole mowirikiza analangiza kuika cheke mu bokosi la "Ndikuvomereza kuti inshuwaransi," akuneneratu mwinamwake kuyankha zoipa banki? Kumene, panganoli momveka kuti wobwereka ayenera kupeza ndi inshuwalansi, koma zoona ...

Insurance ndi ...

Choncho, inshuwalansi - ndi imodzi mwa mapulogalamu banki, amene akuyesetsa kuteteza wotuluka zotheka sanali alipire ngongole. Lero, inshuwalansi - yofunsira mitundu yonse ya ngongole wosindikiza mabungwe a zachuma. Pamene kasitomala akukumana ndi mavuto azachuma, ndi sanathenso kulipira ngongole zawo, chifukwa iwo amayamba kugwira ntchito iyi inshuwalansi kampani.

Kodi milandu - inshuwalansi

Insurance ndi adamulowetsa pa zosayembekezereka wa nthawi zina anazindikira mwa inshuwalansi:

• zosayembekezereka wa zimene zinachitikira wobwereka wotaya umatha ntchito ndipo amalandira chilema gulu (II kapena III);
• wobwereka wotaya kuntchito kwake si mwa izo zokha (kuchotsedwa);
• silingathe kukwaniritsa udindo wake chifukwa masoka achilengedwe zachitika (mwachitsanzo, masoka achilengedwe);
• imfa ya wobwereka lapansi.

Kuchuluka kuti muyenera kulipira inshuwalansi ndi kuchuluka kwa ngongole (chachikulu) ndipo chifukwa si nthawi zonse wolungama pereplachivaniya anthu ambiri kuyesera kuchita kukana inshuwalansi pambuyo ngongole ya. Zodabwitsa ndizakuti, ndi zoyerekeza kuchuluka kwa ndalama izo zimasiyanasiyana mu osiyanasiyana 25-30%. Insurance anawonjezera kuti aliyense malipiro mwezi ndi anagawira wogawana pa lonse ngongole mawu.

Inde, ubwino wa inshuwalansi alipo, koma Sizotheka yatsoka pomwepo inshuwaransi, ndipo, chotero, malipiro chipukuta misozi. Mwachitsanzo, ngati wobwereka pambuyo chonse cha ulemerero wayamba kusintha zinthu ndalama zoipa (kusiya ntchito yake ndipo sangakwanitse kubweza ngongoleyo) ayenera posachedwapa akaonekere kwa inshuwalansi kampani, mawu za izo. Masiku amene ayenera awadziwitse insurer awo, zotchulidwa mu mgwirizano, koma nthawi zambiri iwo musalumphe masiku 3.

Kodi kuchepetsa malipiro inshuwalansi

Ngati wobwereka wakana inshuwaransi, nthawi zambiri, izo kudikira kukana ngongole kubanki. Ichi ndi chifukwa cha kusafuna a banki kutaya ndalama zawo. Koma, ngati inu asiya wobwereka kutsimikiza okha, pali zingapo mafunso amene angathandize kuchepetsa malipirowo:

1. Ngati ngongole ndi kuti mudzalipidwa mu nthawi yaifupi, kuti kudzakhala yafupika mlingo wa inshuwalansi? Inde. Ndipo iyo ndi njira kopindulitsa kwambiri zimene azipeza ndalama za inshuwalansi.
2. Bwererani ngati kobiri inshuwalansi anagula ngati chochitika inshuwaransi sichinachitikepo? Yankho ndi lakuti yekha mu mgwirizano ngongole ndipo wotetezedwa mwa nthawi imene izo zikhoza kuchitidwa. Koma wobwereka tiyenera kukhala okonzeka, kuti insurer adzakhala kuyesetsa zisatichitikire.
3. Kodi likuoneka kukana inshuwalansi ngati ngongole kale ovomerezeka: chabwino kapena kusintha mu mgwirizano ngongole? Pali mayankho ziwiri. Choyamba, banki pasadakhale, obliges wobwereka kubwerera ngongole ndalama milungu iwiri ndipo pa nthawi yomweyo kupereka chindapusa zotchulidwa mgwirizano. Chachiwiri, gombe adzakhala salamula alipire oyambirira, m'malo mwake, ndidzamuukitsa mfundo zingapo chidwi pachaka akutenga ndalama za ngongole. Monga momwe anthu pachaka chiwonjezeka, malinga ndi pangano ngongole, ndi pa nkhani iliyonse payokha. Choncho, banki akuyesera kudziteteza ngati kuli kotheka kwa borrowers amene kupanga kukana inshuwalansi pambuyo ngongole ya.

Udindo wa wobwereka kapena pangano zaufulu?

Nthawi kumene inshuwalansi kungakhale kuvomerezedwa, osati kwambiri:

1. Posankha ndi kubweza ngongole: mogwirizana ndi Article 31 Chilamulo Federal "Pa kubweza", wogulidwa ndi wobwereka nyumba ndi alonjeza ku gombe ndipo, mogwirizana ndi mawu a pangano, adzakhala phunziro kwa inshuwalansi.
2. Ndi mitundu ya chikalata mankhwala ngongole kubanki. Pamene chuma yotengedwa ndi wobwereka ndi kuwonjezekeredwa kubanki, pansi pa mawu a pangano (mwachitsanzo, galimoto). Pankhaniyi, udindo wobwereka a chikangoperekedwa mu mawonekedwe a inshuwalansi galimoto motsutsana kuwonongeka kapena imfa.
3. Kupanga ngongole iliyonse ogula banki ali ndi ufulu zinzawozo wobwereka kugula ndondomeko inshuwalansi kapena moyo, ndiye, mwa njira iliyonse kudziteteza kwa ntchito moyenera ntchito yake pansi mgwirizano.

Mwa njira, Chilamulo Federal "Pa ogula ngongole" amasangalala zaluso. Choncho, ngati inu kupanga ngongole kubanki akulimbikira pogula ndi inshuwalansi wobwereka, monga moyo, ndiye wobwereka tsopano kutsutsana. Mwa lamulo, mtundu wa inshuwalansi si chofunika. Pankhaniyi banki akuyenera kupereka wobwereka njira ina: kupeza ngongole kulembetsa inshuwalansi kapena kulandira ngongole popanda inshuwalansi, koma ndi zinthu mofanana (mwachitsanzo mlingo wapamwamba chidwi). Komanso, banki afunika kupereka wobwereka kusankha inshuwalansi kampani lokha, koma pa mndandanda enieni.

Kodi kuthetsa vutolo mu "Ndalama Bank"

Mucite kusankha - momwe tulukani inshuwalansi pa ngongole ya atalandira - mabungwe banki ndazindikira mosiyana. Kotero, kubwerera inshuwalansi wa ogula ngongole mu "Ndalama Bank", pali 2 njira:

1. Ngati masiku zosakwana 30 kuchokera tsiku la chimaliziro cha mgwirizano, wobwereka amapita ku nthambi ya banki imene anapanga ngongole. Komanso, free-mawonekedwe pempho kwa obwezeredwa ndalama za inshuwalansi makuponi mu dzina la mutu wa Chigawo olembedwa. Apa, kuchuluka kwa inshuwalansi adzakhala refunded yonse.
2. Ngati tsiku kwalembedwa ofanana ntchito chinenero chamanja wadutsa masiku oposa 30. Koma kuchuluka kuti refunded adzakhala 50% kuchuluka kwa inshuwalansi.

Bwererani inshuwalansi pa zanyumba ndi ngongole galimoto ngati n'kotheka, ntchito njira imeneyi chifukwa ogula ngongole. Koma pali chenjezo: ngati ngongole anali mudzalipidwa patsogolo ndandanda, ndi inshuwalansi analipira lonse ngongole akuti, zidzakhala zosatheka kupanga kalata yomasulira inshuwalansi pambuyo ngongole ya. "Sberbank" sadzabwerera.

Bank "Setelem"

Bwererani inshuwalansi umafunika mu "Setelem" -Bank zotheka, koma pano zinthu zimene malamulo wogulidwa. Ngati mfundo anali kugula ndi moyo, pasanathe masiku 21 kuchokera mgwirizanowo imakhala tsiku kubwera ku ofesi insurer ndipo lembani nyemba sanali inshuwalansi pambuyo ngongole ya. Insurance adzakhala refunded kuti wobwereka kuti ngongoleyo.

Ngati inshuwalansi mabuku (inshuwalansi katundu motsutsana kuwonongeka kuphatikiza chilema ndi katundu ufulu, kuphatikiza inshuwalansi) wakhala inakhazikitsa, kudzakhala kovuta kwambiri. Insurer mu "Setelem" banki ndi LLC IC "Ndalama Bank Moyo Insurance." Ndipo mu nkhani iyi, chigamulo adzatengedwa "Ndalama Bank" pambuyo kulephera kwa wobwereka kulemba ndi inshuwalansi pambuyo ngongole ya. "Setelem" kubwerera inshuwalansi si kuthandiza.

Bank "ICD"

Bwererani anagula inshuwalansi mu "ICB" kuli kovuta. Kodi kuwerenga mgwirizano kangapo, kuti kutaya ndalama.

Mwachitsanzo, wobwereka ntchito ku banki chifukwa ogula ngongole kuchuluka kwa rubles 350 zikwi. woyang'anira Mawu kulalatira anafotokoza kuti chofunika kupeza ngongole - ndi kulembetsa inshuwalansi (tisataye ntchito kuphatikiza ku ngozi, matenda, ndi imfa). Mu mgwirizano, kuchuluka mukhoza kubweza patsogolo ndandanda, ndi kubwerera kwa osachepera 50% kuchuluka inshuwalansi. wotere anapanga wobwereka, ndipo anasaina mgwirizano, iye pofufuza. Chiwerengero, chimene inaŵerengeredwa chidwi pachaka anakwana 500,000 rubles. Patapita miyezi isanu ndi wobwereka kuti prepay ngongole ndipo analemba mawu za malipiro a ndalama wake makuponi inshuwaransi. Koma m'malo wolonjezedwa 75,000 rubles (inshuwalansi anakwana 150 000), iye anaika yekha 9000.

Kuyambira kumvetsa, wobwereka posachedwapa kupeza choonadi: kuphunzira inattention ndalama iye ngongole mgwirizano ndondomeko kugula 4 inshuwalansi mu makampani otchuka inshuwalansi, awiri kampani ina. Pakuti kujowina amalipiritsa inshuwalansi gulu kuchuluka kwa 60 000 rubles ndi sanabwerere konse zivute zitani. Ngakhale kukana kwalembedwa za inshuwalansi pambuyo ngongole ndi, "ICD" sanabwerere ndalama zina kwa wobwereka lapansi.

Bank "Kubadwa Kwatsopano"

Bank "Kubadwa Kwatsopano" amalola borrowers ake kusiya inshuwalansi kawiri.

1. Pambuyo kusainira mgwirizanowo mwa masiku 5, wobwereka adzakhala apereke kukana inshuwalansi pambuyo ngongole ya. "Kubadwa Kwatsopano" banki adzabwerera inshuwalansi umafunika. Ngati inu kulemba mawu lina, inshuwalansi kampani adzagwiritsa ntchito Art. 958 wa Civil Code la Chitaganya cha Russia, kutsirizitsa mgwirizano ndi kubwerera ndalama.
2. Kupeza ndalama ngongole yake isanakwane ndi insurer amabwerera wobwereka chabe kuchuluka kwa premiums inshuwalansi, omwe ndi "insurer ali ndi ufulu kulandira gawo la inshuwalansi umafunika lagona pa nthawi imene inshuranse mgwirizano kuchita."

A mawu ochepa pomaliza

chigamulo kapena kuti inshuwaransi, wobwereka amalandira, koma ngakhale pamene zinthu zili kusankha zabwino nthawi zonse zotheka kuti apereke kukana inshuwalansi pambuyo ngongole ya.

Ndipo kwenikweni wina. Wobwereka adzakhala ofanana obwezeredwa inshuwalansi mu mabuku awiri, ndipo amafuna kuti antchito a kampani inshuwalansi kapena banki stamped chiwerengero siriyo ndi tsiku kope lanu. Nthawi zina zikalata anatayika katundu ...