Inshorensi idipozithi eRashiya kunye neempawu zayo

Amaxesha amaninzi sisiva ku zenze ibinzana: "Iidipozithi insured." Kodwa akukho elowo kuthi uyaqonda isihloko kunye ezichaphazela zayo imarike Russian. Ukupha wathola nzima ebhankini, ufanele wazi kwangaphambili into ungalindela xa kuthe yokulahlekelwa mvume yabo (yimali), kwakunye ukunciphisa ngayo imali yabo. Xa kunjalo, kukho inkqubo inshorensi idipozithi (WUDI), nto leyo yindlela ukukhusela umdla kunye namalungelo asemthethweni abantu malunga babeka imali yabo needipozithi zebhanki. Makhe siye emva kwexesha kwaye bafunde njani wabonakala kule nkqubo.

indaba

Ngokuba lixesha lokuqala inshorensi yesibambiso wabonakala ngowe-1933 eUnited States. Unobangela sobunzima bezoqoqosho inye 30. Zesixa mali sembuyekezo inshorensi yaba $ 5,000. Ekuhambeni kwexesha, lo umda lanyuka ukuya kwi-100 lamawaka, yaye ngowe-2008 bafikelela umtya kwi $ 250 lamawaka. inshorensi idipozithi inyanzelekile ukuba onke amazwe ilungu European Union. Ngokubanzi, la yalo kumazwe angaphezu kwama-100.

inshorensi idiphozithi eRussia

Ingaba kukho inye kwi Russian Federation? Ngokuzithemba ndivakalisa ukuba, ewe. kwakukho umthetho engqinelanayo, yaye kamva ngonyaka wavula-arhente, nguwona msebenzi ngazo ngo-2003 - ngokubonelela inshorensi lusebenze. It uqhuba irejista kweebhanki abhaliswe kule nkqubo, imbuyekezo ziya kuhlawulwa, wakha ingxowa-mali ye-inshorensi njalo njalo. D. Nayiphi na ibhanki asebenza kwi kummandla Russian Federation kunye nokufunyanwa iidipozithi qha inxaxheba Officer. Yaye nakanjani. Ukuba sicinga inshorensi idipozithi ngo-2013, inani elipheleleyo iibhanki ezifundisa le nkonzo 891 (ngokutsho yokubhaliswa inye).

Into inye ezingaqukwanga?

- Kuba iidipozithi emasebeni ngaphandle kummandla Russian Federation.

- On akhawunti ezisetyenziselwa imisebenzi zoshishino.

- Igalelo le bearer.

- akhawunti amaxwebhu ', amagqwetha, njl, vula ngeenjongo professional ..

- E-mali.

- akhawunti Metal.

Ixabiso sembuyekezo inshorensi

Ukuba imeko-inshorensi kwenzeka, abatyali mali kubuyela yonke imali imali (kodwa hayi ngaphezulu kwe-700 lamawaka engange). Igalelo lawulo wemali zibalwe ngokutsha engange ngomlinganiselo Central Bank ngomhla ingenzeka imeko insurance. Ukuba ngaba umtyali-waba kwi-akhawunti yebhanki ezingaphezu kwesinye, ngoko ke imali yembuyekezo iya kubalwa kwi-mali, kodwa hayi ngaphezulu kwe kumda elimisiweyo. Ngokwahlukeneyo ufuna uthini inshorensi idipozithi kwimibutho eliqela. Masithi umntu akhawunti kwiibhanki-2 ezahlukeneyo. Ngaba ekufunyanweni inshorensi imbuyekezo namnye kubo kuchaphazela imali yembuyekezo inshorensi omnye? Ngokuqinisekileyo akunjalo. Kwimeko nganye, uya kuba akhawunti eyahlukileyo. Kwenzeka ukuba, entwasahlobo ka-2013 urhulumente Russian sele ngokuvunywe ngokusemthethweni yi iminikelo inshorensi ukuya ku-1 mln. Engange. Oko kukuthi, ukuba ukuqhubeka mda yongezwe amawaka 300.

inkokhelo

Kuba umtyali imbuyekezo (okanye ummeli wakhe ngamandla egqwetha) kufuneka afake ibhanki arhente okanye arhente ezifanelekileyo ugunyaziwe ukuba enze iintlawulo, uze ubhale ingxelo. Ngexesha lakhe of delivery luqala ixesha ingenzeka imeko-inshorensi kwaye sihlala kude ekupheleni kwenkqubo itshona.