Ukwalelwa inshorensi emva ebolekwayo: kwisiseko, izizathu kunye namaxwebhu

Lonke ixesha bengena-mboleko, le ubolekayo lijongene imfuneko yokuthenga ipolisi ye-inshorensi, kodwa maxa wambi yiloo nto efanayo. I-Bank njenge ziko lamatyala efuna ukunciphisa imingcipheko zabo, kwaye ubolekayo akafuni overpay ukuze engeyomfuneko kuye ubabalo. Zama ukufumana phandle xa ukuba inshorensi nendlela yokwenza eli ligatya inshorensi emva mboleko.

Yintoni inshorensi oludingayo

Ukukhetha evela linikeza mboleko ebhankini ecetywayo, obolekayo uzama ukuba bakhethe ngokwabo ukhetho best: lula kwi umdla yonyaka kunye neentlawulo zenyanga. Kwaye rhoqo iyandixaka uyabuza, ngoko kutheni umsebenzi yebhanki ukuze gqolo ukuzama "ukukhusela" ngayo kwiimeko ezahlukeneyo inshorensi? Kutheni bayacetyiswa ukuba abeke isheke kwibhokisi abaphathi ngetyala rhoqo "Ndiyavuma ukuba inshorensi," yokuqikelela kungenjalo abangenamdla ebhankini? Kakade, esi sivumelwano ngokucacileyo ithi ukuba ubolekayo unyanzelekile ukuba afumane i-inshorensi, kodwa ngokwenyani ...

Inshorensi ...

Ngoko ke, i-inshorensi - yenye yeenkqubo zebhanki, awangqinelwa ngawo uzama ukukhusela ovela kunokwenzeka ezingezo-lokuhlawula ngetyala. Namhlanje, i-inshorensi - isicelo zonke iintlobo mboleko ekhutshwe ngamaziko zemali. Xa umxhasi luhlangabezana iingxaki zemali, akusekho unako ukuhlawula ityala labo; ngokuba uqala ukwenza lo msebenzi kwinkampani ye-inshorensi.

Ziziphi iimeko - inshorensi

Insurance luvuliwe phezu kukuvela iimeko ezithile awaziwa yi-inshorensi:

• isenzeko kwimeko apho umboleki ithe amandla ayo ukusebenza kwaye ufumana iqela lokukhubazeka (II okanye III);
• umboleki ulahlekelwa emsebenzini yakhe kungengakuzithandela zabo (ukugxothwa);
• ayinakukwazi kungafezekiswa kweemfanelo zalo ngenxa iintlekele zemvelo kwenzeka (umz, iintlekele zemvelo);
• kokufa mboleki.

Isixa ukuba kufuneka uhlawule ukuze weinshorensi ipesenti mboleko (inqununu) kwaye oko kungenxa akusoloko ukugwetyelwa pereplachivaniya abantu abaninzi bazama ukwenza ukwalela-inshorensi emva mboleko. Ke kaloku, isixa elisondeleyo iintlawulo ikwatshintsha ku ezahlukene 25-30%. Insurance lifakiwe kwintlawulo nganye yenyanga isasazwa ngokulinganayo kulo lonke eli gama mboleko.

Kakade ke, izinto ezintle inshorensi akhoyo, kodwa akusoloko kusenzeka na apho livela khona isiganeko benefits, kwaye, ngenxa yoko, iintlawulo imbuyekezo. Umzekelo, ukuba mboleki emva kokuba ubhaliso yeentengo zemboleko ekuqaleni ukutshintsha imeko yemali zambi (wayeka umsebenzi wakhe kwaye bangenakho ukuhlawula ityala) kufuneka, ngokukhawuleza kangangoko kunokwenzeka ukuba ndibhenele inkampani yeinshorensi, ingxelo ngaso. Imihla ekufuneka azise inshorensi zabo, kumiselwe kwisivumelwano, kodwa ngokuqhelekileyo ke musa ukudlula iintsuku ezi-3.

Indlela yokunciphisa intlawulo inshorensi

Ukuba ubolekayo lingavumi inshorensi, kwiimeko ezininzi, iza kulindela ukuba eli ligatya mboleko yebhanki. Oku kubangelwa ukungafuni ngaseludinini iphulukana nemali yayo. Kodwa ke, ukuba niqhubela phambili ziye zavumela mboleki ukuba inshorensi ngokwabo, kukho iqela lemibuzo eziya kunceda ekunciphiseni intlawulo:

1. Ukuba imali ukuhlawulwa ngexesha elifutshane, iya zanciphisa isixa-inshorensi? Ewe. Kwaye yeyona ndlela kukulungele kanye ukuba kuzakwenza nkulu imali kwi-inshorensi.
2. Buyela ukuba imali le-inshorensi ezithengwe ukuba isiganeko benefits lwenzeke? Impendulo yalo mbuzo kuphela isivumelwano sentengo yemboleko kwaye lukhuselekile kwisithuba ngexesha apho enokwenziwa. Kodwa ke umboleki kufuneka nilungile, ukuba inshorensi iya kwenza zonke iinzame ukuthintela ukuba kungenzeki.
3. Yintoni esongela ukulahlwa kwe-inshorensi ukuba mboleko sele sivunyiwe: isohlwayo okanye utshintsho kwisivumelwano semali-mboleko? Kukho iimpendulo ezimbini kunokwenzeka. Okokuqala, ibhanki ngaphambi kwexesha, sinyanzela ubolekayo ukubuyela imali card kwisithuba seeveki ezimbini ngaxeshanye ukuba ahlawule isohlwayo elimiselwe isivumelwano. Okwesibini, ibhanki iya akayi kufuna intlawulo yokuqala, endaweni, iya kunivelisela iingongoma ezimbalwa umdla yonyaka ukuboleka. Njengokuba kude ngepesenti ngonyaka babeza wande, ngokwesivumelwano semali-mboleko, yaye kwimeko nganye nganye. Ngenxa yoko, ibhanki izama ukuzikhusela ngokwabo kangangoko kunokwenzeka ukususela kubaboleki abenza ngaphandle eli ligatya inshorensi emva mboleko.

Lo ngumsebenzi umboleki okanye isivumelwano ngokuzithandela?

Kwiimeko apho inshorensi kuba inyanzelekile, hayi kangako:

1. Xa ufaka mboleko sokubambisa: ngokungqinelana neSiqendu 31 lomThetho Federal "Kwi Mortgage", ethengiweyo izindlu ubolekayo eseliganiwe ebhankini kunye, ngokungqinelana ngokwemvumelwano, iya kuxhomekeka kwi-inshorensi.
2. Ngu iindidi zemveliso ezikhutshiweyo mboleko ebhankini. Xa impahla ezifunyenwe yi umboleki sidityaniswe kwi ebhankini, phantsi imiqathango yesivumelwano (umz, isithuthi). Kulo mzekelo, imbopheleleko yomboleki siwiswa ngokohlobo inshorensi imoto ngokuchasene umonakalo okanye ilahleko.
3. Ukwenza nayiphi na imali-nkonzo, ibhanki unelungelo lokuba afune ukuba umboleki ukuthenga imigaqo-inshorensi yempilo okanye ubomi, oko kukuthi, ngeendlela zonke ukuzikhusela ukuze kuqhutywe ngokufanelekileyo imisebenzi yayo phantsi isivumelwano.

Hi ndlela leyi, uMthetho Federal "On yomboleki yeentengo zemboleko" emehlweni ezintsha. Ngoko ke, ukuba uthe wenza mboleko lebhanki unyanzelisa uthenge ipolisi ye-inshorensi umboleki, ezifana ebomini, ngoko ke mboleki ngoku tu. Ngokomthetho, olu hlobo inshorensi ingafuneki. Kulo mzekelo ibhanki banyanzelekile ukuba ukunikela mboleki enye indlela yokusombulula: ukufumana imali-mboleko kunye ubhaliso inshorensi okanye ukufumana imali-mboleko ngaphandle inshorensi, kodwa iimeko ezifanayo (umz ephezulu inzala). Kwakhona, ibhanki unyanzelekile ukuba anikele umboleki ukhethe kwinkampani ye-inshorensi ngokwayo, kodwa kuluhlu ethile.

Indlela yokusombulula ingxaki kwi "Savings Bank"

Akhuphe isigqibo - njani ukuphuma inshorensi kwi-mboleko emva kokufumana - amaziko zokubhankisha ukuqonda ngenye indlela. Ngoko ke, ukuba babuyele ezi-inshorensi-mboleko yabathengi "Savings Bank", kukho iindlela 2:

1. Ukuba ngaphantsi kweentsuku ezingama-30 ukususela kumhla nowokupheliswa isivumelwano, Nobolekayo iya isebe lebhanki apho wazenza ngokuphuma-mboleko. Ngaphezu koko, free-ifom isicelo sokubuyiselwa kwemali inshorensi elingasetyenziswanga egameni intloko sisahlula ebhaliweyo. Apha, isixa-inshorensi iya kubuyiselwa ngokupheleleyo.
2. Ukuba umhla ebhalwe sotyikityo isicelo efanayo sele kudlule iintsuku ezingaphezu kwama-30. Kodwa ke imali eya kubuyiswa iza kuba yi-50% yemali ye-inshorensi.

Buyisela inshorensi yemali-mboleko zemoto kangangoko kunokwenzeka, usebenzisa scheme efanayo mboleko yabathengi. Kodwa kukho caveat: ukuba mboleko leyo seyibuyisiwe phambi shedyuli, kwaye inshorensi kuhlawulwa lonke ixesha mboleko, kuya kuba nzima ukwenza elirhoxisa inshorensi emva mboleko. "Sberbank" oko akuyi kubuya.

Bank "Setelem"

Buyisela i insurance premium kwi "Setelem" -Bank kunokwenzeka, kodwa nantsi ebalulekileyo koko bathenga le nkqubo. Ukuba ipolisi ukuya kuthenga ubomi kunye nempilo, zingaphelanga iintsuku ezingama-21 ukususela kumhla sotyikityo ikhontrakthi ukuza ofisi yeinshorensi ze ugcwalise sample of non-inshorensi emva mboleko. Inshorensi iya kuba ibuyiselwe uboleke imali ukuba ayihlawule loo mali.

Ukuba inshorensi esibanzi (i-inshorensi impahla kumonakalo kunye namalungelo yokukhubazeka kunye nempahla, plus-inshorensi yezempilo) sele ukhutshiwe, kuya kuba nzima kakhulu. Inshorensi "Setelem" kweebhanki LLC IC "Life Insurance Savings Bank." Kwaye kulo mzekelo, esi sigqibo siya kuthathwa "Savings Bank" emva ukungaphumeleli mboleki ukuba babhale yi-inshorensi emva kokuba mboleko. "Setelem" ukubuyela ntoni kukwazi ukunceda hayi-inshorensi.

Bank "ICD"

Buyisela i nkqubo bathenga inshorensi "yeICB" cishe akunakwenzeka. Ukuba ufunda isivumelwano izihlandlo eziliqela, ukwenzela ukuba ulahlekelwe yimali.

Umzekelo, umboleki isicelo ebhankeni lokuthenga mali ka-350 lamawaka engange. ngomlomo umphathi Credit wachaza ukuba kuyimfuneko ekufumaneni ngetyala - ukuba ubhaliso inshorensi (ekulahlekelweni umsebenzi kunye ziingozi, ukugula, kunye nokufa). Phantsi isivumelwano, isixa uyakwazi ukubuyisela ngaphambi shedyuli, kunye nokubuya ubuncinane i-50% yesixa-inshorensi. iimeko ezinjalo wenza umboleki, kwaye usayine isivumelwano, yena akayi ukufunda ngenyameko. Le mali, nto leyo ebalwa umdla ngonyaka ifikelele kwi-500,000 engange. Emva kweenyanga ezintandathu umboleki ukuba Ungayihlawulwa-mboleko kwaye wabhala intlawulo mali yakhe elingasetyenziswanga inshorensi ingxelo. Kodwa endaweni othenjisiweyo engange 75,000 (inshorensi yaba 150 000), yena zidweliswe 9000 kuphela.

Ekuqaleni ukuqonda, lo mboleki uya kungekudala ukufumana inyaniso: ukufunda inattention malini kuye kwesivumelwano sentengo yemboleko nkqubo yentengo 4 inshorensi iinkampani ezithandwayo inshorensi, ezimbini kwenye inkampani. Ngokujoyina imali inshorensi iqela imali engange-60 000 akakabuyi phantsi kwazo naziphi na iimeko bonke. Nangona zokwala ebhaliweyo inshorensi emva mboleko, "ICD" akazange abuyele nayiphi na imali engaphezulu kwi-nye umnikimali nomamkelimali.

Bank "Renaissance"

Bank "Renaissance" ivumela kubaboleki balo ukuba i-inshorensi izihlandlo ezibini.

1. Emva kokusayina isivumelwano kwisithuba seentsuku ezi-5, lo mboleki uya kukhupha eli ligatya inshorensi emva mboleko. "Renaissance" ibhanki iya kubuya i insurance premium. Ukuba ubhala ingxelo kamva, inkampani ye-inshorensi iya kusebenza Art. 958 of Civil Code of the Russian Federation, angasiphelisa isivumelwano uze ubuyele imali.
2. Ukufumana imali credit ngaphambi kwexesha,-inshorensi ubuyela obolekayo kuphela isixa esithile-inshorensi, oko kukuthi, "i-inshorensi unelungelo lokufumana isabelo insurance premium, ngokusekelwe ixesha apho isenzo isivumelwano inshorensi."

A amagama ambalwa esiphelweni

Isigqibo asinike okanye hayi, ukuba inshorensi, umboleki uyasamkela, kodwa xa ukhetho HIV usoloko kunokwenzeka ukuba akhuphe eli ligatya inshorensi emva mboleko.

Kwaye elinye icebiso. UMboleki bayalingana ukuba imbuyiselo inshorensi iikopi ezimbini, kwaye ifuna ukuba abasebenzi inkampani yeinshorensi okanye ibhanki istampu inani lezibuko kunye nomhla ikopi yakho. Ngamanye amaxesha amaxwebhu balahlekile impahla ...