Kodi inshuwalansi kubweza chofunika (ndalama Bank)?

anthu ambiri mu dziko lathu akufuna kugula nyumba ndi chithandizo cha ngongole. Mwachibadwa, zokonda zawo, kaya ndi inshuwalansi kubweza ku Bank ndi ndalama chofunika? Kuti mudziwe zambiri pa utumiki uwu ayankhidwa m'nkhaniyi.

mitundu ya inshuwalansi

kubweza inshuwalansi Sberbank ndi mitundu 2:

• ndi moyo;
• katundu.

Yoyamba ya utumiki si kuvomerezedwa, koma kukana kwa ukuwonjezeka mlingo ngongole. Insurance kubweza Sberbank ndi kuvomerezedwa. Kugula katundu, kasitomala akutumiza izo monga ina kwa nthawi kuti mgwirizanowo chomveka. Choncho, kusiya inshuwalansi pa kubweza ku Bank ndi ndalama sizigwira ntchito. Insurance ndi linapereka chinthu anagula.

kulembetsa

Insurance chikalata pa mapeto a pangano ngongole. Ngati mukufuna kuti adzikonzenso malamulo, mungachite pa webusaiti ya Bank ndalama. Pali mankhwala awiri amene angagwiritsidwe ntchito makasitomala:

1. "Kutetezedwa wobwereka Online".
2. "Kubweza inshuwalansi mzere."

Lamulo loyamba ndi chitetezo cha ngozi thanzi la kusowa kapena achire ku moyo. Ndipo chachiwiri lakonzedwa kuti adziteteze ku imfa, katundu, umene uli ofunika.

The "Otetezedwa wobwereka Online"

Kuyitanitsa msonkhano uno:

1. Pitani malo a ndalama Bank;
2. Pitani "kutsimikiza okha ndi chuma" gawo;
3. Muyenera kupeza utumiki ndi kulumikiza izo.

Pantchito imeneyi, kuphimba kuopsa kwa magulu chilema 1 ndi 2, komanso imfa. The obwezeredwa kuchuluka chofanana ndi kuchuluka ngongole, amene uyenera kulipidwa. mfundo kanthu ndi 1 chaka.

The "kubweza Insurance Online"

The mfundo pulogalamu imeneyi ali anawonjezera pa Intaneti. Kuti tichite zimenezi, kupeza gawo loyenera ndi yambitsa utumiki. Popeza chimakwirira chiopsezo ina chinthu:

• makoma;
• partitions;
• mazenera;
• khomo;
• chotsekeracho.

An inshuwalansi reimburses malipiro pa:

• moto;
• gasi kuphulika;
• ndi mphezi kuponya;
• masoka achilengedwe
• zochita oletsedwa wa lachitatu maphwando.

Mawu a malamulo chomveka chifukwa 1 chaka.

kampani ya inshuwalansi

Ngati inshuwalansi zanyumba Sberbank, kungakupatseni malipilo okwanila ayenela kuti chochitika inshuwaransi. Makampani a inshuwalansi ndikukhazikitsa ogwira "Ndalama inshuwalansi."

Makasitomala akhoza kusankha mmodzi wa 17 makampani:

1. "VTB Insurance";
2. "Ingosstrakh";
3. "RESO-Wotsimikizira";
4. "Mtheradi Insurance";
5. "Rosgosstrakh".

Msonkhano uliwonse amapereka mawu ake, kulamula makasitomala. mgwirizano wapangidwa ndi ndalama Bank, kenako utumiki layamba ntchito. Pankhani inshuwalansi, aliyense kampani kukutsimikizira malipiro chimawononga.

mlandu chiopsezo

Zochitika inshuwaransi monga:

• kuwononga kuti pamalowo;
• kuba;
• moto, chigumula;
• gasi kuphulika;
• masoka achilengedwe.

Ngati malowo ndi inawonongedwa, pali malipiro ngongole ya. Kuchepetsa ndiponso kuwonongeka tsankho. Kuchuluka Kuphunzira wayikidwa payekha.

zikhalidwe

Terms of inshuwalansi zimadalira kampaniyo. Si onse mabanki ndi ndondomeko anavomera. Nkofunika kuti zimagwirizana ndi zofunikira za wobwereketsayo. Ndalama Bank ndi kugwira ntchito ndi makampani kuti kuphimba kuopsa wamba. Zimenezi zimathandiza kuti tikhale otsimikiza kuti abwerere ndalama.

Sberbank pamalowa mungathe kupeza mndandanda wa makampani omwe akupanga inshuwalansi. Mu nkhani iyi, ngongole sayenera kukakamiza inshuwalansi akuda, amene mgwirizano. Kasitomala akhoza kusankha kampani.

Woti za ndondomekoyi

Pamaso inshuwalansi kubweza adzakhala operekedwa Bank ndalama, m'pofunika kulabadira zinthu zofunika:

• kuchuluka Kuphunzira - pa muyeso mgwirizano chikuyembekezeka ndalama zofanana overpayment ngongole
• kampani kukula umafunika - ndi borrowers wa Bank ndalama akufuna mlingo umodzi - 0,15% wa mtengo chuma;
• nthawi mfundo kanthu - zambiri wofanana ndi mawu a mgwirizano;
• zinthu prolongation - Mabungwe ena kuti mlingo chidwi ndi tsiku 1;
• oyambirira alipire - zambiri premiums anabwerera pa malipiro msanga ngongole ya. Ngati zimenezi si mu mgwirizano, ndiye obwezeredwa angakhalepo kwambiri.

Akatunge inshuwalansi ayenera pokhapokha ngati onse zikhalidwe za suti wake. Iwo m'pofunika choti mutidziwe bwino malamulo a Makampani angapo kusankha bwino.

Kodi chofunika n'chiyani?

Kodi chofunika, wakhala chikalata kwa inshuwalansi nyumba kwa Bank ndalama? Zanyumba ndi utumiki ino pamodzi. Kuti lamulo, muyenera pasipoti ndi pangano ngongole, mawu onena za kufunika ziyenera a chuma. 2 zikalata posachedwapa anapereka mtengo wa malamulo. Kukula kwa inshuwalansi umafunika zimakhudza:

• chikhalidwe cha chuma;
• nthawi ya mgwirizano inshuwalansi;
• chiwerengero cha ngozi.

mtengo wa

Inshuwaransi ndi ndalama zingati kwa kubweza ku Bank ndi ndalama? Price anatsimikiza ndi chikhalidwe cha chuma ndi mtengo wa nyumba ya. Pakati kuwerengetsera Specific anapangidwa kwa makasitomala onse.

Pali kusankha options 2:

• mfundo anagulidwa pa mtengo wonse wa nyumba ya;
• mfundo ndi Anagula kuchuluka mukufuna kulipira banki.

Mlingo avareji 0,225% kuchuluka ngongole. Mwachitsanzo, chuma ofunika 3 miliyoni rubles, malipiro loyamba rubles 1 miliyoni, ndipo malamulo ndi anagulidwa kuchuluka kwa ngongole, ndiye mu 4500 rubles ndalama za inshuwalansi ndi kubweza ku Bank ndi ndalama. Mtengo wa chikalata ali pafupi mofanana ndi mabungwe ena.

Polis ali ndi zotuluka pa 1 chaka. Pamene chimagwira, n'zotheka ntchito inalipo kapena kupanga chikalata latsopano kampani ina. Anaugula ndi thandizo la kupanga chopereka pachaka. Inshuwalansi a zaumoyo palibe.

kubwerera

Wobwereka ali ndi ufulu adzabwerenso malipiro anapanga pa nthawi upambana mawu a kubweza lapansi. Pa nkhani imeneyi, pali ena subtleties:

• ngati mfundo chomveka miyezi 11 kapena kuposa, kuchuluka lonse lapansi lidzakhala refunded;
• ngati ngongole N'chimodzimodzinso ndi mfundo chomveka ngakhale theka, kasitomala amalandira theka la inshuwalansi umafunika;
• ngati gawo lalikulu la mawu a malamulo zadutsa, ndiye kubweza ndalama sizimatanthauza.

Kodi kubwerera inshuwalansi ya kubweza Sberbank? M'pofunika ntchito kamodzi mawu banki za pakalibe ngongole. obwezeredwa A akhoza unayendera inshuwalansi moyo, thanzi.

Ndi moyo inshuwalansi

inshuwalansi moyo ndi kubweza Sberbank si lamulo. Koma kawirikawiri ndodo amaumirira kapangidwe ntchito kuchepetsa chiopsezo sanali kupereka ngongole. Ngati inshuwalansi si kudzapereka, limatuluka mlingo 1%.

inshuwalansi moyo ndi kubweza Sberbank zimatanthauza zina zachuma, ndi kuposa mokakamizidwa inshuwalansi katundu. Koma chifukwa cha ubwino wake wa utumiki akuti ndi malonda.

Kodi moyo ndi thanzi inshuwalansi?

mfundo kukutsimikizira reimbursement ndalama ku banki ndi imfa ya thanzi ndi chisamaliro cha moyo. Chifukwa kubweza ndi chikalata kwa nthawi yaitali, ndalama Bank amateteza pokana pangozi zoterezi. Kwa kasitomala, malamulo akuti ndi chitsimikizo kuti ngati ngozi ngongole udindo wake sudzatha guarantors ndi achibale, monga ngongole yaperekedwa kutali ndi olimba inshuwalansi.

Ngati wobwereka kanthawi akulephera kugwira ntchito, ngongole yake komanso lolipiridwa ndi kampani. Pa Kulipira chonse cha amenewa ukuwonjezeka utumiki mlingo. Mndandanda wa mavuto zikuphatikizapo:

• imfa;
• kulumala;
• kuchotsedwa ntchito.

"Ndalama Insurance" akuthamanga mapulogalamu zotsatirazi:

• muyezo pulogalamu - 1,99%;
• thanzi ndi ntchito yatha - 2.9 Nchito%;
• palokha kusankha magawo - 2.5%.

mutu inshuwalansi

Sberbank anapereka udindo inshuwalansi, zimene zimaphatikizapo inshuwalansi ya katundu ufulu. Ngati kasitomala ndi kulipira kubweza nyumba, akumanidwa ufulu, ndiye maudindo onse zili pansi malipiro ngongole akutenga insurer.

Wobwereka, amene anagula nyumba pa kubweza ndi, asalandidwe katundu ufulu milandu zingapo:

• pali zolakwika zikalata, chifukwa cha zimene tagwirizana ndi sanaithetse;
• anapeza zopalira ufulu watsopano, amene zokonda si n'komwe mu kamangidwe ka mgwirizano;
• munthu amene anatuma ndikupeleka ndi formalized, anazindikira kuti sangathe;
• ntchito zinthu zachinyengo.

Kulembetsa mutu inshuwalansi yabwino kwambiri nyumba sekondale, chifukwa nyumba ndi eni loyamba borrowers lapansi. Mlingo kwa msonkhano 0.3-0.5%.

zikalata

Insurance kubweza Sberbank mu Moscow ndi mzinda wina uliwonse wopangidwa ndi makonzedwe a mndandanda wa zikalata:

• ntchito;
• pasipoti;
• ngongole mgwirizano.

Nthawi zina chofunika kupereka mgwirizano wa zogulitsa.

Ubwino ndi kuipa

Insurance Ubwino:

• kutambasuka kudzera malo;
• Simufunikanso kukaona banki ndi inshuwalansi kampani, ngati zonse ntchito zimagwiridwa paokha ndi insurer ndi;
• mfundo ndi inakhazikitsa mu mawonekedwe a pakompyuta;
• mtengo wa ndondomeko amadalira kuchuluka kwa ngongole;
• mitengo mpikisano;
• odalirika kufala kwa nkhani;
• luso kubwerera inshuwalansi umafunika.

zinthu zotsatirazi olekanitsidwa minuses:

• pamene kuti apereke utumiki kubweza m'pofunika;
• ngakhale inshuwalansi ya moyo ndi thanzi si kuvomerezedwa, mlingo pa ngongole ngati kulephera kwa iwo chinawonjezeka ndi 1%;
• mfundo ndi 1 chaka, kenako ayenera ukugwirizana ndi;
• kutambasuka kwa Chikalata malipilo a anthu oposa 1.5 miliyoni rubles adzachita Intaneti;
• zina ndalama.

kubweza ngongole

Kubweza inshuwalansi chimakwirira mapulogalamu zonse zoperekedwa ndi ndalama Bank:

1. Kubweza mothandizidwa ndi boma. Kulanda koyamba ndi osachepera 20%. The pazipita akuti ndi zaka 30. The overpayment adzakhala kuikidwa payekha, koma mwa 11,4%. The Commission ndi issuance ngongole si adzatengedwa, koma pali malo Kufufuza ndalama.
2. Purchase wa yomalizidwa nyumba. Chotero ngongole ndi chikalata ndi kugula malonda sekondale malo. Kuchuluka kwa chikalata 300 zikwi. Rubles mochititsa chidwi 12,5% ndi mawu a osapitirira zaka 30. Kukula kwa malipiro oyamba anatsimikiza ndi zifukwa zingapo, koma osachepera 15% ya mtengo wa nyumba. Analipira gawo loyamba la likulu kholo.
3. Purchase nyumba tikukonza. Terms of ngongole pansi pulogalamu imeneyi ikukhudza makonzedwe a ndalama kwa ogulidwa nyumba yatsopano. kuchuluka kwake, komanso ndi kupeza njira imene, wofanana 300 zikwi. Rubles. Mlingo osachepera ndi wofanana 13%. Inakhazikitsa zanyumba kwa zaka 30. The malipiro oyamba akhale likuvutika likulu kholo.
4. kumanga munthu nyumba. Iwo anapereka ngongole ya Rubles 300 zikwi. Ndi 13.5%. The malipiro oyambawo amakhala 30% ya mtengo wa nyumba. Iwo anapereka ngongole kwa zaka 30.
5. Zanyumba yomanga kapena kugula dziko nyumba. Chigawo choyamba ndi 30%, ndi nthawi crediting - zaka 30. Uwerenge - 300 zikwi rubles ..
6. Asilikali kubweza. Wosindikiza usilikali. Uwerenge si oposa 1 miliyoni 900 zikwi. Rubles. Mlingo ndi 12,5%.

Ndi zofunika monga kubwerera kwa zaka 21, ndipo pa nthawi ya kubwerera akhale munthu pazipita zaka 75. Muyenera kukhala ndi kuntchito ya miyezi 6. M'pofunika uitane co-borrowers - kwa anthu 3.

Kuti kalembera wa zanyumba muyenera pasipoti, chikalata, umwini, kalata ya kulembetsa mutu. Muyeneranso katswiri maganizo pa kuwunika ndi mtengo wa chinthu, cadastre ndi zikalata luso. Pamodzi ndi kulembetsa ya mgwirizano kubweza wapangidwa inshuwalansi. Koma ngati chuma inshuwalansi ndi mokakamizidwa, moyo ndi thanzi amusankha ndi pempho wobwereka a. ukuwonjezeka chuma mtengo ndi misonkhano imeneyi. Choncho, muyenera kuganizira ngati mwayi ndalama kulipira zithandizozi.