Inshuwalansi moyo ndi kubweza kapena sikuti?

Nthawi zodabwitsa kwambiri andale ndi azachuma aliyense akuyesa kudziteteza ndi ndalama zawo. Nazonso ndi banki mabungwe. Izi ndi zowona makamaka ndi ngongole nthawi yaitali mavuto ena okhudzidwa. Njira imodzi kupulumutsa banki ndalama ndi inshuwalansi. Ngongole nthawi yaitali, makamaka nyumba, amakhala ndi mmene ankachitira zinthu ndi mavuto, monga inshuwalansi moyo ndi kubweza.

Zokangana za mapeto a mapangano a inshuwalansi

chofunikira cheni cha mankhwala pa siteji ya kusainira ndi kubweza pangano kumeneko, koma banki iliyonse yokhudza ufiti maganizo ofooketsa kuganiza, choncho kuthekera kupeza zabwino pa kasitomala popanda inshuwalansi amakonda ziro. Chifukwa malo amenewa a banki si kufuna Finyani kunja nambala pazipita ndalama kasitomala, koma kuyesa kuteteza ndalama ya. Popeza imfa mkulu ndi njira zoipa chikhalidwe kuchulukitsa kuopsa ngongole sanali kuchita.

Choncho, mgwirizano wa inshuwalansi moyo, ngakhale mseri, koma chofunika yodalirika zabwino poyerekezera zanyumba. Mawonekedwe ndi ochititsa mgwirizano zingasiyane kwambiri malingana ndi osankhidwa kapena analimbikitsa ndi kampeni inshuwalansi.

Kufunika kwa chitetezo cha moyo mabungwe banki makasitomala '

Childs, mgwirizanowo inshuwalansi ndi moyo gombe, ndipo pa kampani umalimbana ntchito ndi chiopsezo cha kulephera kubwerera ndalama yobwereka. Choncho, magombe zambiri kulowa Mapangano pa zinthu zosiyana zaphindu ndi kumutsatira makasitomala makampani yeniyeni. Kufunika naye ngati chifukwa zotsatirazi:

- pokha chochitika inshuwaransi kugwirizana ndi thanzi, ndalama kasitomala zimapangitsa insurer;

- pa nkhani ya imfa ya wobwereka ndi Sikuti kudikira mpaka achibale kubwera kudzanja lamanja la umwini;

- imfa ya solvency kasitomala ndi zotheka isanu ndi umodzi kuchedwa.

Choncho, inshuwalansi moyo ndi kubweza ali mmodzi wa zinthu zofunikira kuti mapeto a mgwirizano ngongole.

Chiopsezo Kuphunzira waufupi sankakhala ndi mabanki Russian

mabanki ambiri mu Russia, anapatsidwa zinthu sinkakhala zachuma, anapanga malamulo ake angapo kamba lolamulira ndondomeko ndi zinthu opereka ngongole nthawi yaitali. Pempho Research Social "kubweza zinthu mabanki" anasonyeza kuti ambiri a mabanki lero afalitsa zonse kupeza zabwino.

Mogwirizana ndi zimenezi, magombe amakakamizidwa kulenga awo subdivisions inshuwalansi kapena kulowa mapangano ndi kale okhazikika kampani ya inshuwalansi. Mwachibadwa, pambuyo akuvutika ndalama izi, magombe kwezani chiwongola dzanja pa ngongole yaitali makasitomala awo.

kubweza inshuwalansi mu Sberbank

Sberbank - kosamalira olemekezeka mu Russian msika wa ntchito ndalama. Choncho, gulu liyenera kupereka zinthu zabwino kwambiri chopezera kugulira nyumba. Insurance moyo kubweza ndi chinthu chabwino kwa njira zabwino chithandizo kasitomala.

Pamene yaitali ngongole ubwenzi ndi nthawi chiopsezo sanaoneke kapena mphamvu majeure. Choncho kunali kufunika koyenera chida monga "ndalama Bank:. Zanyumba, inshuwalansi moyo" chida ichi kuli ndi ubwino pa chiwerengero cha bids zogwira mtima okhala m'dzikolo amene mukufuna kukonza kugulira nyumba. Mu nkhani ya kukana ndalama Bank amaika ufulu abwereze ndi kuukitsa chiwongola dzanja. Popeza osachepera kukongoza kuchuluka, kuchuluka ichi kwambiri bwanji mtengo yomaliza ya malo ngongole.

zinthu zenizeni za yaitali crediting a Bank wa ndalama

Popeza kusinthasintha mu ndalama msika, Sberbank amakhazikitsa mitengo miyeso yolinganizira pa ngongole yaitali. Mwachitsanzo, panopa mlingo enieni a 14.5%, izo lilipobe mpaka 28.02.2015. Mu nkhani ya kulephera kwa makasitomala ntchito "Bank Ndalama: zanyumba, inshuwalansi moyo" utumiki chida iye auka mlingo kuti 15,5%.

Koma ngakhale zina zabwino zonse, chiwerengero cha zimenezi chikalata Sberbank ali ndi malo lalikulu mu msika wa ngongole nthawi yaitali. makasitomala ambiri molakwa kuti ngati inu atenge kubweza (Sberbank), inshuwalansi moyo n'kofunika. Mau amenewa si zizigwirizana zoona, kuyambira Bank ndalama sanaphwanye malamulo, amene mwachindunji ndi ufulu "chinthu inshuwalansi moyo kupeza ngongole nthawi yaitali."

Kubweza Insurance mu VTB

Imodzi mwa mtsinje wokongola kwambiri mu msika ndi ngongole yaitali VTB.

Kuchepetsa kapena kuthetsa mavuto angathe bungwe ili anaitana ena yonse ya ngongole inshuwalansi, malingana ndi kutalika, Mtundu ndi kuchuluka kwa ngongole. Mayiwo angathe kusankha ngongole kwa wantchito ndi mtundu wa mankhwala zokakamiza chofunika kuwerenga chikalata zotsatirazi, "kubweza: zikhalidwe za mabanki," kumva kusiyana ndi kusankha Njira yabwino mankhwala. chikalata Zimenezi zimathandiza kuona phindu lonse la kubweza VTB, komanso anayamba kasitomala kuthekera ndi "VTB Insurance" dongosolo.

Features wa kubweza VTB

VTB zachitika nthawi yaitali dongosolo inshuwalansi ngongole, womwenso zinthu zotsatirazi:

- ndikosatheka zopereka mokakamizidwa chifukwa imfa ya mphamvu wobwereka ntchito;

- ndikosatheka zopereka mokakamizidwa chifukwa imfa ya wobwereka ndi;

- ndikosatheka zopereka mokakamizidwa chifukwa kuwonongeka kapena imfa ya ina ya;

- ndikosatheka zopereka mokakamizidwa chifukwa malire kapena kuchotsa umwini wa chinthu chikole (zaka zitatu).

Popanda pangano ndi VTB "kubweza: inshuwalansi moyo," cholinga cha ngongole ndi wobwereka amakhala pafupifupi mumangire. Pofuna kuti mankhwala ndi yopindulitsa kwambiri, VTB amapereka inshuwalansi mabuku monga mavuto otsatirawa:

- moto;

- masoka achilengedwe;

- zotsatira za mphezi;

- zotsatira za kuphulika mpweya zoweta;

- zotsatira za kuwonongeka madzi;

- zotsatira za kugwa kwa zinthu zouluka;

- zotsatira za zochita oletsedwa.

Popereka umboni wa aliyense mwa zinthu izi, dongosolo amapereka malipiro zomvetsa mu kukula kwake kwenikweni. Ngati malipirowo kuposa kuchuluka kwa ngongole kwambiri, kusiyana linaperekedwa kwa wobwereka lapansi.

Mtengo wa inshuwalansi moyo ndi kubweza

Mtengo wa inshuwalansi moyo ndi kubweza ndi kumatengera zifukwa zambiri, koma kawirikawiri palibe oposa theka peresenti ya ndalama yomaliza ya malo ngongole. Pa mapangidwe mmene mtengo:

- kugonana (kukhala akazi moyo wautali kuposa anthu, chiwongola dzanja kwa iwo ndi zosakwana kwa amuna);

- zaka gulu (la malire a zaka zapakati pa zaka makumi awiri ndi makumi asanu ndi awiri a asilikali - 45);

- ukupeza wa wobwereka ndi (matenda otengera ndi aakulu akhoza kukhala chotchinga kuwachiritsa kupeza kubweza a);

- chiopsezo kuvulala akuntchito , malingana ndi mtundu wa ntchito;

- zofuna (masewera oopsa masewera kungasokoneze pa mlingo chidwi).

Mu zenizeni, panopa inshuwalansi moyo ndi kubweza, ali mmodzi wa zinthu zofunika kwambiri mu ubale mabungwe banki, kampani ya inshuwalansi ndi makasitomala amene akufuna kutenga ngongole kwa nthaŵi yaitali phindu munthu ndi mnzake. Choncho, ngati chikalata zanyumba, inshuwalansi moyo n'kofunika. Ndipotu, ndi bwino osati kuti mabanki komanso borrowers.