Indlela yokwenqaba umshwalense ngemali mboleko: imiyalelo, ama-nuances, izincomo kanye nempendulo

Muva nje, abakhokhi besikhathi esizayo ngokuya banesidingo sokuthenga inqubomgomo yomshuwalense, futhi ngezinye izikhathi eziningana ngesikhathi esisodwa. I-Bank ibheka kanjalo ukuziqinisekisa ngokumelene nezimali ezingalindelekile ezibolekiwe futhi kwandise imali yayo. Ababolekisi, nabo, abafuni ukukhokhisa ngokweqile inkonzo enqunyiwe futhi abafuni ukukhohliswa. Ngakho-ke, ngaphambi kokufaka isicelo sokuboleka imali, kudingeka wazi ukuthi ungayenqaba yini umshwalense ngemali mboleko. Ama-nuances ekucubunguleni izinketho ezahlukene angahluka. Ake sicabangele uma kungadingekile ukwenza inqubomgomo yomshuwalense, futhi uma kungcono ukuziqinisekisa wena nemali yakho.

Kuyini umshwalense wesikolodo?

Inqubomgomo yomshuwalense isiqinisekiso sokubuyiswa kwezimali ezithathwe ebhange uma umboleki ephethe umcimbi womshuwalense.

Isizathu sokuqala sokuthi ibhange lihlomula ngokubambisana nezinkampani zomshuwalense ukuthengiswa kwemigomo yomshuwalense nokuthola izinkokhelo ze-ejensi ezinkampanini zomshuwalense lapho bethengisa imikhiqizo yabo kubboleka.

Isizathu sesibili ukuthi inkampani yomshuwalense ibeka izimali zomshuwalense emalini ebhange. Ukuxhaswa kwezikhungo zezezimali kwenziwa ngokushintshelela ekubakheni kwinhlangano yomshuwalense inombolo ethile yabantu abaphephile. Ukushintshaniswa kwenziwa ngesilinganiso se-7: 1, lapho kuwo wonke ama-ruble angu-7 avela kumshwalense odayiswayo ibhange lithola i-ruble engu-1 kusuka kwinkampani yomshuwalense ngendlela yokufaka imali.

Kungani kufanele ngiziqinisekise?

Akuyona imfihlo kunoma ubani ukuthi amabhange awanelungelo lokwenza umshuwalense ophoqelekile wamakhasimende. Kodwa lokhu kuyingqikithi. Ngokwenza njalo, ukuze ungabanjwa, kudingekile ukuthi ufunde ngokucophelela isivumelwano sokubolekisa imali, ukuze kungadingeki ucele ukuthi unqabe umshwalense ngemali mboleko futhi ungabhali izitatimende zesimangalo. Inkantolo esimweni ngasinye iqinisekisa ukuthi ukubolekwa kwemali mboleko kuncike ekuthengeni kwenqubomgomo yomshuwalense, nokuthi ngabe isici esiyinhloko esithinta isinqumo esihle sebhange kungekho noma, ngokuphambene nalokho, kube khona inkontileka yomshuwalense. Phela, ngokusho kwesinye sezihloko zomthetho othi "Ekuvikeleni Amalungelo Abathengi" kuvunyelwe ukwenza ukutholakala kwezinsizakalo ezithile kuxhomeke ekuthengeni okugunyaziwe kwabanye.

Kodwa-ke, isidingo somshuwalense ophoqelekile njengesimo sokuthola isikweletu asikho esivumelwaneni sesikweletu. Le nkulumo igxile ngokuthi "isibambiso sokugcwaliseka kwezibopho kumuntu oboleka ebhange". Ngakho ibhange, liyavela, lihlanzekile ngaphambi komthetho.

Kungenzeka yini ukwenqaba umshwalense?

Empeleni, lapho benza isikweletu, abaphathi bezikweletu bafaka umshwalense kubo. Kodwa kanjani ukulahla umshwalense ngemali mboleko? Imfundo iqukethe izinyathelo ezimbili kuphela.

Isinyathelo 1. Ukwenqaba umshwalense kwenziwa ngokushesha ngemuva kokuphela kwesivumelwano sesikweletu. Kodwa kuyadingeka ukuqinisekisa ukuthi ukuqedwa kwenkontileka yomshuwalense ngeke kubandakanye ukwanda kwenzalo yesikweletu yonyaka noma ezinye izinyathelo "zokujezisa" ezingxenyeni zebhange.

Isinyathelo 2. Emva kwalokho isicelo sibhalelwe inhlangano yomshuwalense, futhi emva kwesikhathi esithile i- premium yomshuwalense izobuyiselwa ngokugcwele noma ingxenye (lokhu kungashiwo ngenkontileka yomshuwalense lapho ishicilelwe).

Abanye abaphathi bezezikweletu batshela amaklayenti abo ukuthi bangawenqaba kanjani Umshwalense ngemali mboleko. Ukuze wenze lokhu, kwanele ukwenza izinkokhelo zanyanga zonke ngokugcwele nangesikhathi ezinyangeni ezingu-6 kusukela ngosuku lokusayina isivumelwano sesibolekiso. Emva kokuphela kwenkathi yenyanga eyisithupha, kufanele usebenzise isicelo esibhaliwe sokuqeda isivumelwano somshuwalense kumnyango wezikweletu wasebhange. Kungani ulinde izinyanga ezingu-6? Inkontileka yomshuwalense iphetha isikhathi esingenani kwezinyanga eziyisithupha. Ungamangali kumbolekisi uma, ngemva kokuqedwa kwenkontileka yomshuwalense, amaphesenti aphezulu azokhokhwa ngesamba sesikweletu esikhulu, futhi izinkokhelo zenyanga zizokhula. Ngakho-ke, ibhange lizikhokhela ngokwabo imali elahlekile.

Enye indlela, indlela yokwenqaba umshwalense ngemali mboleko, Ingabe ukufaka isicelo enkantolo. Esitatimendeni sesimangalo, kubalulekile ukunamathisela amadokhumenti esikweletu, futhi, uma kunokwenzeka, ukwenqaba ebhange.

Amacala

Ngokwezibalo zokwahlulela, ama-80% amacala enkantolo awela eceleni komboleki, ephoqelela umboleki ukuba aqede isivumelwano, akhokhele umshuwalense futhi enze ukukhishwa kwesikhulu.

Umshuwalense wezikweletu: ngingamenqaba kanjani umshwalense wesikweletu somthengi?

Ngokuvamile, ukubolekwa kwabathengi kubonakala isikhathi esifushane, ukungabi nendawo yokubambisana kanye nesilinganiso esikhulu senzalo. Sekuvele ngokuzenzakalelayo kufaka phakathi zonke izingozi ezingase zenzeke ebhange.

Kodwa ezinye izikhungo zezezimali ziphikelela, zizama ukuqinisekisa impilo nempilo yababolekayo. Umshuwalense ngokulahlekelwa umsebenzi kusetshenziswa kakhulu. Futhi uma uhlobo lokuqala lomshwalense luzifakazela kancane, ke kusukela kwesibili obolekayo ubeka ukulahlekelwa okuqondile. Futhi konke ngoba, njengesenzakalo esiqinisekisiwe, ukulahlekelwa umsebenzi kungabhekwa njengentando yakhe, kodwa mayelana nokukhishwa kwebhizinisi noma ukunciphisa isisebenzi. Kodwa, njengokusebenza eRussia kubonisa ukuthi, uma omunye walezi zenzakalo kwenzeka, umqashi uzovumela isisebenzi sakhe ukuba sibhale isicelo ngesicelo sakhe, ukuze singamkhokheli imali efanele. Futhi, lapho ubolekisa imali, ibhange lemali yesikweletu esiyinhloko kuhlanganisa, ngokuzenzakalelayo, i-premium yomshuwalense, futhi inzalo yonyaka ibalwa kusukela kule mali.

Kubalulekile ukuphawula ukuthi umqondo womcimbi womshuwalense unzima kakhulu kunkontileka. Ngokuvamile, uma kwenzeka umcimbi oqinisekisiwe, cishe akunakwenzeka ukuba umuntu onesiqinisekiso azuze isinxephezelo. Futhi isibonelo salokho yisigatshana somshwalense womshuwalense, othi "ngokushintsha okuncane empilweni yakho, umuntu ophephile uyaphoqeleka ukubika lokhu kumshuwalense". Kodwa ngomkhuba, iningi livele lishaye isivumelwano, ngaphandle kokungena emininingwaneni futhi, ngokufanele, lingaboni lesi simo. Yini umshwalense asebenzisa ukukhokha. Kulokhu, ucabangela umbuzo wokwenqaba umshwalense ngemali mboleko, impendulo izoba ukuhlolwa okusheshayo kwesivumelwano sesikweletu.

Ukuboleka okuzenzekelayo

Ukwenza imali yokubolekisa imoto, lowo obolekayo kudingeka athenge izinqubomgomo zomshwalense ezimbili: impilo + yezempilo kanye ne-CASCO. Kodwa ngasikhathi sinye kwelinye lamagatshana enkontileka yomshuwalense kuthiwa akudingekile ukuqinisekisa indaba yesibambiso. Isibonelo: Ibhange le-VTB linikela ababolekisi bayo imali mboleko yemoto ngaphandle kokukhipha inqubomgomo ye-CASCO. Kodwa ngesikhathi esifanayo, inzalo yonyaka lapho isikweletu esikhishwayo yanda ngamaphuzu angu-5-7.5. Ngakho-ke kulokhu kuzoba okulungile kakhulu ukukhipha le nqubomgomo.

Ngidinga ukuqinisekisa impilo yami?

Kodwa umboleki ngamunye kungcono ukunquma: ukwenqaba umshwalense ngemboleko VTB futhi uthole amaphesenti anyuke ngonyaka noma ubuke ibhange ngezipesheli ezinhle kakhulu. Kodwa ngaphezu komshwalense nempilo yomshuwalense wezempilo kufanelekile ukucabangela: isikhathi semali mboleko yemoto isukela eminyakeni emibili kuya kwemihlanu, kanti uma lowo obolekwa ehola imali ngemoto ebusheni bakhe futhi engathandi ukushayela okusheshayo, kungenzeka ukuthi umcimbi womshuwalense uncane.

Umshuwalense ebhange ngokuboleka imali - indlela yokwenqaba imali yokubolekwa kwemali?

Lapha awukwazi ukuphuma kwomshuwalense. Umthetho ufakazela ukuphetha inkontileka yomshuwalense "Ekulahlekelweni nasekulimaleni kwesibopho sokubambisana" (Isigaba 31 soMthetho "Emalini"). Izinhlelo ezimbili zomshuwalense, obolekayo angazisebenzisa ekuthini - ukuqedwa nokuvinjelwa kwamalungelo empahla (umshuwalense wesikhwama), kanye nokulahlekelwa kwempilo kanye nomsebenzi wokusebenza. Kodwa uma enqaba, ibhange linelungelo lokubuyekeza izinga lesithakazelo esiqondisweni esikhulu. Ngokuvamile, amabhange ajwayelekile kakhulu, lapho ukwanda kwentengo yesithakazelo akuxhomeki ekubunjweni kwenqubomgomo yomshuwalense.

Futhi uma izinga lonyaka likhuphuka ngama-1.5 amaphuzu uma kunqatshelwe umshwalense wesikhala, ukwenqaba ukwakha izinqubomgomo ezimbili (isihloko kanye nomshuwalense wokuphila) kuzoholela ekunyuseni kwezintshisekelo ngamaphuzu angu-10 ngesikhathi esisodwa.

Ukubalwa kwezintshisekelo kumshuwalense kulandela

• Isakhiwo esithembisiwe silinganiselwa ku-0.5% yenani le-insured.
• Izigaba zomshuwalense wesihloko kusuka ku-0.1 kuya ku-0.4%.

Kodwa umshuwalense wokuphila udonsa kakade ngo-1.5% wemali yomshuwalense. Kodwa, ngokucabangela izimo lapho imali ekhishwa khona ekhishwa eRussia, isidingo sokubhaliswa kwesiqinisekiso somshuwalense kanye nokuphila + kwalabo abafuna ukuthatha imithwalo yempahla engenakugwema.

Kunezinhlelo zokuboleka imali ezithatha inshuwalense kuphela ngenxa yesibambiso. Lezi zinhlelo zisetshenziswa yiSberbank credit. Ngingakwazi ukukhansela umshwalense kwezinye izinhlelo zomshuwalense? Yebo, kodwa ngokunqatshwa komshwalense wesikhala, iphesenti yonyaka izophakama ngamaphuzu ayisithupha.

Inzuzo ebhange, njengoba kukhonjisiwe ngenhla, iyimali ye-ejensi yokuthi isikhungo sezezimali sitholwa yinkampani yomshuwalense lapho kusetshenzwa izinqubomgomo. Ngakho-ke, inhlangano yesikweletu ayizuzi kakhulu ukukwazisa lowo obolekayo ngolwazi, Indlela yokwenqaba umshwalense webhange ngokuboleka imali.

Kaningi futhi kunezimo lapho ibhange kanye nenkampani yomshuwalense isakhiwo esithintekayo. Kungenxa yalesi sizathu ukuthi ibhange liphikelela ekuthengeni izinqubomgomo zomshuwalense ezivela ezinkampanini ezithile zomshuwalense ngumboleki.

Sithemba ukuthi manje umfundi ngamunye uyazi ukuthi angenqaba kanjani umshwalense ngemali mboleko. Into esemqoka - funda ngokucophelela isivumelwano!