CWG: ukubuyekezwa. inkampani yomshuwalense "Rosgosstrakh": Izinga, amakheli

Cishe wonke umuntu namuhla wacabanga yini, ukuqinisekisa wena nomndeni wakho lomshuwalense evamile ekuphileni, izimpesheni, nezinye izinto zibaluleke ngokulinganayo, futhi ngesikhathi esifanayo kaningi abantu abaphendukela ekucwaningeni CSG inkampani. Izibuyekezo imisebenzi yenhlangano ayihlangani, naphezu kweqiniso lokuthi kule nsimu, yena ubelokhu esebenza isikhathi eside futhi namanje iyona enkulu kunazo zonke inkampani Russian umshwalense kuze kube manje.

Kulesi sihloko sizohlola ezinye izici UK ongakhetha umshwalense futhi yini amakhasimende cabanga ngamunye wabo. Thina uqhubeke kusukela lokuthi ulwazi mayelana inkampani CWG Izibuyekezo awumthombo obaluleke kakhulu futhi onokwethenjelwa wokwaziswa.

yomshwalense

Kuye ngokuthi lakhiwe kanjani lwenteke izindleko yokulondoloza, umshuwalense wokuphila classical ihlukaniswe izinhlobo ezimbili: ezuziwe ne okuyingozi. Kuyaphawuleka yokuthi incazelo lomthetho imiqondo le kunemibandela kakhulu futhi esekelwe inqubo esikhona kwesicelo esingaphezulu kwalemibandela.

okuyingozi

yomshwalense Ubungozi liyisivikelo zezimali umndeni umuntu kwesamba uma umuntu efa ezimweni ezithile, futhi lokhu okubekwe ngayo ngokucacile lelipelwe kwinkontileka ye CSG inkampani. Ukubuyekeza ku le sevisi abasakwazi impikiswano, njengoba abantu abaningi baye kungenzeka inkokhelo nhlobo, noma bawamukele, ngemva ekuqhutshweni sasivumela ezinde, okuyilona elisebenzayo futhi hhayi okwamanje ezimnandi kakhulu.

Ngo izivumelwano ezinjalo zingase, uma kunesidingo zifakwe Ngaphezu kwalokho njengoba lomshuwalense yisiphi isifo noma ingozi, ukukhubazeka, okuvela kuyo yizifo ezibhubhisayo. Noma yimuphi ukonga ngokweqile kulokhu ngeke kwakhiwa, ngoba bonke imali yiklayenti uyogcina uye ukumboza lezi zingozi, kanye zonke izinhlobo izindleko yinkampani yomshuwalense. Akukhona ezingabalulekile kangako Kuyaphawuleka ukuthi kuleli cala kuyaqedwa ngokuphelele noma yiziphi izinkokhelo ngemuva kokuphela yomshuwalense ngokusebenzisa CSG. Izibuyekezo kushiya abantu ababezama ukuthola imali yabo ekupheleni ke, naphezu kweqiniso lokuthi alinikezanga idatha lomshuwalense.

Ngokwe-abasebenzi UK, inketho ezivamile namuhla isalokhu umshwalense esiphuthumayo uma kwenzeka kufa kwesamba.

Okunqwabelanayo

umshwalense Endowment sihlinzekela ukwakhiwa kancane kancane ukonga, futhi kuyafaneleka yokuthi sihilela unomphela engozini ingxenye ohlinzekela ukuqaliswa kwe-sokukhokha isamba elicacisiwe izimali uma kwenzeka ukufa kuwo noma aphinde Kwezinye izimo ezihlinzekelwe yesivumelwano esibhalwe phansi.

Namuhla, inketho esivame kakhulu okuthiwa umshuwalense wokuphila okuxubile, njengoba kwaba njalo endabeni ka-ukufa kwesamba noma ekuvuthweni (uma kufa oVikelwe ngaphambi kwaleso sikhathi), ngokuhambisana inkontileka, ukukhokha inani elithile "Rosgosstrakh". Amahhovisi e eMoscow nakwamanye amadolobha ngokuvamile ukunikela nje isivumelwano esinjalo. Lolu hlobo lwe-umshwalense, ngokuvumelana ukubuyekezwa, iyathandwa kusukela ezinsukwini zeSoviet Union, kodwa kufanele ukuthi ngaleso sikhathi futhi wabanika for umshwalense ayimpoqo ngokumelene yimuphi izingozi.

Izici

Ngenxa yalesi okufana umshwalense libhekene izici ezilandelayo:

• Adalberto isikhathi eside, okuyinto ikuvumela ukuba kancane kancane ukwakha isamba umxhwele ukonga ngokuhambisana inkontileka, naphezu kweqiniso lokuthi iminikelo kulokhu kuncane;
• yibhange othile icala ekuqongeleleni isivuno izidleke ngokuvumelana inkontileka, futhi ezimweni ezithile ungase unikezwe ezengeziwe utshalomali imali.

Ngenxa yalezi zici ukuze zigcine umshwalense bayoqhubeka bekhula kulo lonke ekuphileni yalesi sivumelwano. Ochwepheshe bathi uma inkontileka inqanyulwa ngokugcwele, umuntu unethuba uthole imali eningi njengoba inani lokukhulula - ngokwanele ukuba eze CSG. Amahhovisi ukunikeza izinkokhelo ezinjalo, kungakhathaliseki indawo.

Kuyaphawuleka yokuthi yokonga kanye umshwalense kukhona nanoma isiphi isivumelwano ezinikeza izinkokhelo okusinda, kuhlanganise futhi izivumelwano ezihlukahlukene umshwalense impesheni. Kodwa ngesikhathi abameli efanayo belulekwa ukuba banake Eqinisweni, lokho nje kukodwa kuyinto umshuwalense wokuphila uma ukufa futhi ubhekwa ezuziwe, nakuba engabondli abakubo ukufakwa isivumelwano icala zokusinda kwenkathi ethile. Okubekiwe ngokuhambisana nale dokhumenti, bayoqhubeka bekhula phakathi naso sonke isikhathi umshwalense, futhi Selilonke bafika kuphela ekugcineni.

Imibandela

Ngokuphathelene Ukwahlukaniswa imigomo, kukhona yesikhathi esifushane neyezinto umshwalense eside.

Eqinisweni, imingcele ecacile yilesi sigaba lapho, kodwa isimo kuyiwa e izivumelwano "Rosgosstrakh" inkampani.

Amahhovisi e Moscow cishe kuwo wonke umgwaqo, kodwa, kungakhathaliseki, yini ubuza ukuthi ubakhohlisile, bazophatheka bakutshele ukuthi wesikhathi esifishane - kuba izinqubomgomo ekhishwe unyaka owodwa, kodwa eqinisweni ngokuvamile kwenzeka ukuthi umshwalense ukuphila iminyaka emithathu noma emihlanu ibizwa nangokuthi njengoba yesikhashana. Lokhu kuyadingeka ukuze uwahlukanise kwezinye izinhlobo izivumelwano waphetha ngokukhumbuza amashumi eminyaka.

Savings inketho kukodwa eside, kungakhathaliseki izici kwenqubomgomo. Ngesikhathi esifanayo i umshwalense ingozi izimo nenzuzo kakhulu, i-short-term, kodwa umkhuba ngokuvamile kunezimo lapho ikhishwa uma kufa 10-15, noma ngisho engu-25-30.

umshwalense zokuzithandela impesheni

I umshwalense RGS yalolu hlobo wuhlelo nge ekuqongeleleni, lapho umuntu ingakwazi ngokuphelele ukwakha bona bethatha umhlalaphansi, babheka ikusasa.

Lezi zinhlelo yilezi ingxenye izinhlelo nempesheni e iningi eyinhloko amazwe ezakha kakhulu ezweni lanamuhla, unikezwa ithuba izakhamizi ukuhlinzekela sebegugile wedwa. Kufanele kuqashelwe ukuthi izinhlelo ezinjalo kakade akuncikile namandla ezezimali anoma isimo, kodwa ngqo ekhonweni nasezisuseni ukuzimisela izakhamuzi.

Abasebenzi of the UK bathi kukhona izinketho eziningana indlela ukukhipha izimali ekuklanyweni umshwalense impesheni kungenzeka yilezi:

• eyisamba ngemva kokuba umuntu esefinyelele umhlalaphansi;
• izinkokhelo impilo yabo yonke;
• impesheni esaphila ukuhlinzekwa sokuphepha umhlaba izinkokhelo.

Inketho yokugcina has esinye isici. Uma umuntu efa ngaphambi kokuphela kwalesi sikhathi, inani lokukhokha kwenzekani esivuna ezikanye naye kuze kuze ngemva kwesikhathi lokuvala kubekiwe kunqubomgomo.

Kuyaphawuleka yokuthi yomshuwalense CSG yalolu hlobo angaba izindleko ezihlukahlukene kakhulu, futhi kuba encike ngqo ezicini eziningana. Ikakhulukazi, intengo kunqunywa ubudala lomuntu, ubulili bakhe, isikhathi wayenemfuyo kwezimpesheni, ubukhulu umnikelo nalehleliwe ifomethi ezikhethiwe kanye oda yokukhokha eminikelo. Iklayenti inquma ubukhulu tibalo wathola, yobudala yokuthatha umhlalaphansi kanye nobuningi wokwenza izinkokhelo umshwalense.

Yini odinga ukuyazi?

Uma ngesizathu esisodwa noma omunye umuntu efa ngisho nangaphambi engu esibekiwe, yonke iminikelo eziye esakhokhwa inkampani kubo, kuhlanganise inhlokodolobha zanqwabelana, uyogcina ibuyiselwe ezikanye naye.

Akubona bonke banake yokuthi inkokhelo CSG ukuhlinzekela izici ezithile ukulungiswa okukuvumela ukuqinisekisa ukuvikelwa capital yakho esimweni emali. Ngiyavuma, kuba impela kubalulekile ukuba izwe lethu, banikezwe umnotho kunalokho oluyingozi.

inkontileka impesheni yakho sibuyekezwe, uma kunesidingo, kuye ngokuthi labo noma ezinye izimo. Ngakho (kanye namakhasimende uqinisekise lolu lwazi), uma uthanda, ungakwazi ukushintsha usayizi inkokhelo, noma ubudala, ngemva kwalokho baqala ukuba lusebenze. Phakathi kwezinye izinto, ungenza iminikelo eyengeziwe, okuyilona elisebenzayo futhi kubalulekile.

Kaningi kuyenzeka ukuthi inqubomgomo umhlalaphansi luyinhlanganisela esezingeni yomshwalense kanye idiphozi utshalomali. Lokho kukhona ingxenye ethile iminikelo wathumela ukumboza uzifaka engozini, kanti enye ingxenye yaba kuba uhlobo utshalomali. Ngakho, uma umuntu kwesamba besekusifa loba Ufika zikhutshaziwe, inkampani okhokhela ngenani eliphelele ezikanye naye.

Kuhle kokusho ukuthi ubuncane iphesenti kungenzeka imali ngokuhambisana inkontileka kungenzeka 4% ngonyaka, futhi kunqubomgomo CSG anganikeza isamba nakakhulu izimali. Nokho, siphawula ukuthi ukubuyekeza, elivame ukubizwa kungenzeka ukuthola imali kuphela ngokuhambisana izinga ubuncane, okuyinto amakhasimende kucasula kakhulu njengamanje kanye nabasha.

CASCO

Ukwahlulela ukubuyekezwa, manje umshwalense usuku izinqubomgomo Hull benaso eRussia bayindlala kakhulu, njengoba isimo somnotho kancane kancane ezingasho ngcono, kuyilapho amabhange bakamalalahlengezela ukuhlinzeka izakhamuzi loans imoto, kodwa zidinga ababoleka wehluleka ukukhipha okukhulunywa sivumelwano.

Abanye abantu ngephutha zikholelwa ukuthi le nkulumo imelela "ihlanganiswe imoto umshwalense ngaphandle umthwalo", kodwa empeleni akunjalo. Lo mqondo adluliselwe kithina kusukela umkhuba European futhi kuyinto lisebenza kwezomthetho ngamazwe echaza inqubo likhipha kuvikelwa kwanobe ngabe nguwaphi into yokuhamba, kuhlanganise amanzi noma umoya.

Naphezu kweqiniso lokuthi sikebhe yasekuqaleni inikeza kuphela umshwalense wemoto esuka zonke izinhlobo umonakalo noma ukweba, kungenzeka ukuvikela ezihlukahlukene izesekeli, kanye impilo nokuphila - kokubili umshayeli nabagibeli.

Yini kuthinta intengo?

Ochwepheshe uqaphele ukuthi sikhathi esibucayi kakhulu inqubo yokubhaliswa umgomo ukukhetha okungcono umshwalense ongakhetha. Ngakho, kukhona izinto ezimbalwa ezinkulu, owawuthi CSG ( "Rosgosstrakh") ubeka intengo umshwalense wenza:

• Ukukhetha okukhethiwe. Namuhla kungenzeka ukwakha inqubomgomo ngokwengxenye noma ngokugcwele. Okugcwele inikeza lomshuwalense ukweba noma umonakalo, kuyilapho ngokwengxenye kuhlanganisa kuphela uhlobo yokugcina ingozi.
• Ukuba khona kanye nosayizi franchise. izindleko inqubomgomo kuyehla kuncike kanjani big ezikhokhiswayo.
• Isamba oVikelwe. Kungase kube elihlanganisiwe noma nonaggregate (nasekufeni). Ukusebenzisa samuntu sokuqala ekugcineni kuholela yokuthi inkokhelo ngayinye okwalandela yomshuwalense ekuqongeleleni ziyancipha. Lokhu kusho ukuthi inqubomgomo enjalo kuyoba ishibhile kuka nonaggregate.
• Ivikelwe. Kunezindlela eziningana ongakhetha kuzona, ezisukela ukulungiswa isitolo esithile ziphethe inkokhelo. Ngo iningi labantu amacala RGS umkhiqizo (CTP noma CASCO) inikeza ukulungisa uphethiloli umshwalense. Ngaphezu kwalokho, abaningi bayeke ngalesi kukho ngoba izindleko yeningi kakhulu. Kunobe ngabe ngusiphi simo, uyokhokha lenqubomgomo ngaphezulu.
• Inqubo kuhlaziywa izinkokhelo. Imali angadluliselwa ekubukeni zokuguga noma okufanayo ngaphandle kwakhe. Wena uthanda ukhetho lwesibili? Khona-ke alungele yokuthi izindleko zomshuwalense bayovuka ngokuphawulekayo. Lokhu kufakazelwa abantu abaningi ukubuyekezwa kwawo we CSG.
• Nguyena futhi yobudala umshayeli. izindleko nqubomgomo encike ngqo kwi indlela ethuthukisiwe ungumnikazi imoto nokuthi ubudala, ayengumkhwenyana wakhe.

Muva nje, abantu ngokuvamile ngakho ingenzele sikebhe ku CSG. Ukukalwa kwale nkampani kancane kancane, futhi ezicini eziningi lokhu kungenxa yokuthi inethiwekhi manje eziningi Izibuyekezo ezingezinhle mayelana yokuntuleka izinkokhelo.

Inhlangano kakhulu esifanayo inikeza izimo sasivumela eqolo inqubomgomo ejwayelekile, okuhlanganisa izinhlelo ezifana "CASCO Umnotho" futhi "Elementary Hull." Futhi, uma umuntu abakutholanga kunoma iyiphi ingozi, kodwa wanquma kabusha ukukhipha inqubomgomo lapha, inkampani yomshuwalense RGS umnikeza isaphulelo.

Yini okufanele Ngibheka?

Njengoba sazi ukuthi abaningana Izibuyekezo aqukethe ulwazi mayelana yokungakhokhi phezu ingxenye abameli yenkampani income esiphezulu ekuqaleni bajwayelane nemibandela umshwalense ngaphambi akhiphe inkontileka, uma uya CSG. Amagatsha ukunikela izinqubomgomo efanayo, kodwa ukubaluleka ibalwa akufanele yini sibe isici kokunquma. Kufanele kwenzeke ngempela ukukufunda ngokuningiliziwe konke amaphuzu idokhumenti, ukuxoxa zonke umehluko wemisindo nemiqondo yamagama kanye ukuhlonza amathuba engasetshenziswa nguwe esikhathini esizayo.

Okokuqala banake izimo isitoreji semoto ebusuku. Le nto ngezikhathi livela kanye ushabalala inqubomgomo, kodwa uma usazoba khona, kufanele uqonde ngesikhathi esisodwa ukuthi akuwona wonke amapaki imoto unesimo sokuba isikhulu wavikela futhi ukunikeza amakhasimende abo nge imibhalo esekelayo.

Ngo inkontileka, uya siyophetha ngenkulumo CSG (amagatsha kaningi ukunikela isivumelwano esifanayo), kumelwe ngokucacile kugcwele izinto ezifana "ukweba", "umonakalo", "ukweba" futhi "ukulahlekelwa ingqikithi imoto," futhi akufanele nje okukhulunywa, okungukuthi kudalulwe ngokuningiliziwe. Abashayeli abanolwazi ukugcizelela ukuthi uma ungenawo singaphoqi leli phuzu, ekupheleni uma kwenzeka zengxabano zingaba wenqaba isinxephezelo ezifanele.

Bheka isihloko esithi "Imithwalo Yemfanelo amaqembu" ulawula njengoba ngokucacile ubudlelwano amakhasimende kanye nenkampani. Ikakhulukazi, kulotshiwe ngokuya yini umuntu othile kumelwe azise inkampani mayelana icala umshwalense ukudideka okukhulu. Kaningi kuyenzeka ukuthi ukwehluleka ukuhlangabezana nezidingo evezwe kulesi sivumelwano, okuholela uyaphika yokukhokha.

Ikheli eMoscow

CSG (eMoscow), inkampani evumela ukusebenzisa amagatsha e-amakheli alandelayo:

• Kiev, 7;
• Krasnaya Presnya, 38;
• Myasnitskaya, 43;
• ithemba Leninsky, 23;
• Novoslobodskaya, 31;
• Leningradsky Prospekt, 33.

Kungakhathaliseki ukuthi ukubhekana ukhetha zisebenze uMnyango CSG (eMoscow - kuyinto muzi, ngakho SK eziphethwe kunenqwaba), uzonikezwa ncamashi imigomo efanayo nemibandela. Yingakho kuba njalo kungenzeka ukuya ngqo ehhovisi, esemgwaqweni eduze.

Amakheli Petersburg

Amagatsha phambi kwethu SK ungaphakathi cishe wonke amadolobha amakhulu. Kungokwemvelo ukuthi Petersburg, futhi, ungathola eziningana impela ofisini CSG inkampani. Amakheli zimi kanje:

• Kuibyshev, 23;
• Tambovskaia, 33;
• Cash, 40;
• 1st Krasnoarmeyskaya, 13;
• Tchaikovsky, 8;
• Industrial Avenue, 25.

Njengasendabeni yabase langaphambilini, wonke amaklayenti uphiwa izimo ngqo efanayo. Futhi akuxhomekile ukuthi, lapho igatsha bafuna ukusebenzisa amasevisi we CSG. Amakheli sinikeza kuphela ngenxa umuntu ngamunye angakhetha ofanele kakhulu kuye ehhovisi bese uhlela inqubomgomo yakhe isithakazelo.

esikhundleni isiphetho

Ngakho, uma uthanda, namuhla umuntu angathatha umshwalense, kungakhathaliseki indawo yokuhlala (eRussia) noma ubudala babo siqu. Okwamanje, sisuke sicabanga emahhovisi enkampani njengoba zikhona cishe wonke amadolobha amakhulu, futhi izinto eziningi ezinkulu, okwanele ukuqinisekisa ukuthi wonke umuntu angakwazi ukuthola nokubakhona esikahle kakhulu umshwalense.