Inshorensi ngokuzithandela indlu. Zokukala iinkampani ze-inshorensi

Kukhuseleko labantu ipropati ucinga emva isiganeko esithile. Amanani abonisa ukuba abantu bazuze izindlu zabo (ngemali okanye ikhredithi), ngokwabo ufuna ukwenza amalungiselelo ngokuzithandela kwigumbi inshorensi. Rating beenkampani inshorensi ezinikezela ngeenkonzo ezinjalo, imiqathango yenkonzo - yonke le mibuzo siya kuzama yokugubungela kweli nqaku.

A lwamagama emfutshane

Umvuzo - Igalelo umxhasi ukuba inkampani ngokungqinelana mvumelwano inshorensi. ubukhulu yayo ibalwa ngamnye kwimeko nganye.

Imbuyiselo - kuba imbuyekezo ngemali ngenxa yomonakalo kuhlawulwa phantsi isivumelwano emva kwengozi.

WeRhafu - Isantya igalelo senani kwekhontrakthi.

ezindlini inshorensi komlilo, intlekele yendalo okanye enye ingozi idla ekhutshwe ithuba ukusuka kwinyanga enye ukuya kunyaka omnye.

abathengi

igumbi inshorensi mortgage yinto yokuqala efunekayo ukuze afumane imali-mboleko. Kodwa kukho abantu abaye ufumene indawo yabo phakathi iinkampani iinkonzo. Bayalibona ixabiso lwepropati, abakulungeleyo ukuchitha imali imiqathango eyongezelelweyo yokhuselo. Ukuze lo mgaqo-inshorensi unako ukugqiba okanye impahla kuphela. Kodwa abathengi emininzi iquka contract iindonga ukuzala. Oku kwandisa kakhulu ixabiso le nkonzo.

enye

inshorensi ngokuzithandela zokuhlala - kukho ubumnandi imali eninzi. afune nje ukuchitha isixa esikhulu ukhuseleko lwepropati ayikho into eninzi. Kuba ezi nabathengi, ukuba i-inshorensi, nto leyo ihlawulwe kwi irisithi kunye eziluncedo. ezintsha ezifana akenzi kuyo yonke imimandla. Ke inayo kakhulu abantu abafuna ukwenza amalungiselelo inshorensi ngokuzithandela zokuhlala, nokurhafiswa iinkampani ze-inshorensi oyiboniselayo, kodwa ixesha kwi amaphepha abanazo.

Ukuze ufaneleke, kufuneka ukhankanye inani lo mnikelo, ukuphawula iingozi irisithi ekufuneka zikhuselwe. Onokuhlawula inkonzo kubanjiswene eziluncedo. Olukhetho alisayi kuwathathela ngqalelo iimpawu ngamnye kwezithobekileyo lokwenene. Ngoko ke, silindele ukuba ahlawule omkhulu akuyomfuneko xa umcimbi-inshorensi.

Yintoni kufuneka bakhuselwe?

1. Iindonga kunye nezakhiwo axhasayo, nto leyo ezenza inxalenye enkulu yeendleko indlu. Umngcipheko kukuba umonakalo ezi zinto. Nkqu ahlawulelwe iphezulu zibonelelwa intshabalalo olungephi.
2. Gqibezela: .. Windows, iphepha lodongo, unxibelelwano, njl ukhuselo kuya kunceda imbuyekezo umonakalo, umzekelo, zizikhukula.
3. Property: ezisuka kwizixhobo kwabendlu izacholo.
4. yeTyala kuLuntu. Le nkampani iya kuhlawula imbuyekezo, ukuba kwenzeka ukuba sabangela umonakalo kubamelwane impahla.

Isixa Intlawulo ziya kwahluka ngokuxhomekeke kwindawo ibekwe apho kwelo ziko. Amanani understate inkampani anisizakali, njengokuba kulo mzekelo, ipremiyamu lifinyele. Ukuze ukuba wenze impazamo izibalo, ngokobuqu-inshorensi kuza ahlole into. Zasendlini inshorensi ngenxa 10-20% yeendleko. izinto ezibizayo icaciswe njenge into eyahlukileyo. ixabiso labo emiselwe itshekhi.

ubungozi

1. Umlilo, uqhushumbo igesi, umbane, umlilo.
2. iintlekele zemvelo.
3. umonakalo Amanzi kwiinkqubo amanzi, ugutyulo, ukufudumeza.
4. Nezenzo amaqela esithathu.

izivumelwano iimpawu

Amathuba zemali umxhasi - yiyo ke umda kuphela esebenzayo inshorensi yokuhlala. Rating kweenkampani inshorensi iqulathe amaziko amakhulu aliqela zemali kunye neenkqubo ezahlukeneyo nkonzo. Ungasebenzisa iiphakheji umgangatho, khetha umakhi okanye ngokusebenzisa i-arhente ukwenza isivumelwano ngamnye. Iingozi ezingekho phantsi wokhuseleko, kucacisiwe kule mithetho - umonakalo into obangelwe Inyukliya, imisebenzi zomkhosi, umhlwa zendalo.

izibalo

Malunga nama-80% yazo zonke izivumelwano -inshorensi propati accounted for mortgage ingxenye. Enye-10% - esivumelwano, waqukumbela abanini izindlu. Kodwa ingxenye ayikho nefuthe kakhulu kwi emarikeni.

Uninzi lweenkonzo basenokuba ngabaxhamli musa nokuba ucinga ngayo. Kukho eziliqela izizathu. Okokuqala, abemi musa ukuthembela ingxenye. Okwesibini, akukho mntu nenguquko umthetho "Kwi-inshorensi enyanzelekileyo impahla," njengoko kuchasene "avtograzhdanki." Kubonakala ukuba umnini moto indlela kubiza nokukhuselwa isithuthi, kwaye umnini-ndlu - akukho. Kodwa ke oku akuthethi ukuba inkonzo azibi.

Ungubani na?

Iingcali zikholelwa ukuba wonke umntu kufuneka athathe i-inshorensi ukuba abanini propati. Ngapha koko, umngcipheko ophethwe umkhukula, umlilo okanye impahla umonakalo amaqela esithathu usoloko ekhona. Inshorensi kwakhona kucetyiswa ukuba ukukhusela zokuhlala, ezo ziyaqashwa ngokuba iinyanga ezimbalwa, ingakumbi ukuba azinayo izitshixo ethembekileyo, umlilo, isivusi, nemivalo kwi iifestile, iingcango zesinyithi. Nkqu basengozini enkulu ezi izinto zibekwe kufutshane yombhobho, bezingahanjwa thermal, izikhululo zeenqwelo-moya, yomoya. isivumelwano inshorensi yokuhlala nokuba ibandakanya ukhuseleko angaweli kunye oomatshini kunye neenxalenye zabo ephaphazelayo. Ezi zinto kuyandisa kakhulu ubungakanani ipremiyamu. Abanini-ofisi zithi ukuba maxa wambi ekomelezeni inkqubo yokhuseleko lixabisa ngaphantsi kwe ixabiso nkonzo.

iintlobo

inshorensi Mortgage. Iibhanki ifuna abathengi ukuba akhuphe isivumelwano xa uthenga yokuhlala kwi-mboleko. Olu xwebhu lunika ngentlawulo xa kuthe ngenxa yokuphulukana nomsebenzi, nobunini, njalo njalo. D. Le mvumelwano kuphothulwe ngexesha ukusetyenziswa kwemali abolekiweyo.

inshorensi yokuhlala. Iinkampani ze-inshorensi amalungiselelo okwenza iintlawulo xa emlilweni, onogumbe, ubusela, ukuphanga, intlekele yendalo. Inkqubo yesondlo kukhethiwe ngamnye.

Insurance eKhaya - inkonzo efana lowo wangaphambili. Protection uxhomekeke kuzo naziphi na isakhiwo (iseli lakhe), nto leyo ibekwe isixeko okanye idolophu.

inshorensi Isihloko - isetyenziswe kuphela xa uthenga ezithengiswayo. Le intengiselwano likhusela umdla abanini xa kuthe zokulahleka amalungelo kwipropati sisigqibo senkundla. Umzekelo, ukuba indawo yokuhlala kwathengwa kwiminyaka embalwa edlulileyo, kunye nobunini wegqitha ukusuka kwesinye isandla. Kukho umngcipheko wokuba intengiselwano yenye abathengisi zangaphambili ukuze umngeni. Ukuba ipropati obafunyanwa yinkampani yokwakha, imfuneko inkonzo enjalo ingafumaneki.

ezindlini inshorensi: rating of iinkampani ze-inshorensi

I-Bank of Russia ngonyaka kwi website yayo lipapasha uluhlu iinkampani inzuzo. Olu luhlu luqulunqwe kwizibonakalisi ezifana isixa izavenge kuhlawulwa, isabelo kwezivumelwano kuso, umyinge ukungaphumeleli, njalo njalo. D. Ngokutsho kwamanani asemthethweni, yi "Rosgosstrakh", "SOGAZ", "Ingosstrakh" Iinkokeli kwimarike ukusebenza kwezoqoqosho, "RESO". Ngelo xesha linye i eRashiya nentembelo ngakumbi kule nkampani: "Hephaestus", "Energogarant", "Yugoria".

Xa ukhetha inkampani kufuneka sinikele ingqalelo reviews izihlobo, abahlobo kunye abathengi kwiisayithi. Kwakukho iimeko xa indlu leyo inshorensi yi amaqela amabini, naphezu kukuvela kwimeko enye esingenakubonwa kwangaphambili iye ihlawulwe imbuyekezo epheleleyo, kwaye eyesibini kude avume ukuba bayikhangele loo ndawo.

Kubalulekile ukuba bafunde la maxwebhu, iimfuneko ngokuthumela isicelo, inkqubo yokubala isixa yomonakalo, amaxwebhu kokuqinisekisa isicelo sayo. Ukuziqhelisa, kokukhona nkampani ifuna izibambiso, iingxaki ezininzi ziya kuba kwixesha elizayo ukuze afumane intlawulo.

ezindlini inshorensi kwizandyondyo kwi irisithi

Ukuqaliswa kwale nkonzo ukhusela kuphela iimfuno impahla abemi, kodwa kunciphisa iindleko iindleko yokubuyisela umonakalo weprophathi eyonaka. Nokuba ngaba inxaxheba kwisibonelelo uluntu, wonke umntu isigqibo ngokwabo. Izinto eziluncedo ze loo mass intengiselwano. Akukho mfuneko kwinqanaba lokuqala ukuba bahlawule imali eninzi zokuhlala insurance, iinkampani rating akukho mfuneko ukufunda. Ukugqiba isivumelwano, wena nje ukuhlawula isavenge sokuqala. Le mali sele ifakiwe kwi-EDP, ethunyelwa kubo bonke abahlali.

Le ndlu iya ithathwe njenge khusalekileyo esuka ngosuku lokuqala lwenyanga elandelayo. Oko kukuthi, ukuba imali zenziwe ngo-Oktobha, Novemba 1, iqala ukwenza inshorensi yokuhlala. Customer ingxelo lungqina ukuba cebo enjalo Kulula kakhulu. Ukusebenzisa le nkonzo lonke ixesha, kufuneka nyanga nganye eziluncedo ukuba ahlawule iminikelo.

Scheme nayo ngokuba engcono. Iinkampani ukuphuhlisa uluhlu lwamaxabiso elinye (1.5-2 rbl. / Macala onke. M.), Yeyiphi kunciphisa kakhulu iindleko zeenkonzo. umnikelo Public kuquka ubungozi ezisemgangathweni: okunqanda emlilweni, kuqhuma igesi, umbane, iintlekele zemvelo. Subtenants usenokwenza amalungiselelo i-inshorensi yokuhlala. Ukuphonononga lubonisa ukuba abale igalelo kunokuba ngokuzimeleyo. Kwanele ukuba phinda umyinge yi ummandla iyonke kwezindlu. Umzekelo, 50 kV ukuba amagumbi okulala amabini. m. ngomlinganiselo 1.5 engange. rate umnikelo: 1.5 x 50 = 75 engange. ngalinye ngenyanga.

Isixa zingahlawulwa yintlawulo enye kwangoko ukulungiselela unyaka wonke. Xa inkqubo zancitshiswa, ngokuchaseneyo noluhlu lweerhafu zomgangatho ukutshintsha ngamaxesha. Izimvo zabantu kuqinisekisa ukuba i-inshorensi yokuzikhethela kwentlawulo kwangaphambili alusoloko kufanelekile. Ngamanye amaxesha abathengi ukuhlawulela iinkonzo ukulungiselela unyaka ozayo, yaye ngoko iirhafu kwatshintsha ecaleni ezincinane. Oko kukuthi, ukuba wonge imali zange isebenze.

Kubalulekile ukuba ahlawule inkonzo ngendlela efanelekileyo. Xa uphosa isavenge isivumelwano lunqunyanyisiwe, njengoko kuchaziwe ngaphambili, akukho imali. Ukuba emva kweenyanga ezimbalwa abantu kwakhona ufuna inshorensi, kwakhona ngokwaneleyo ukuze aqale ukwenza imali. Amatyala for ithuba lokungasebenzi singabalelwa. Kodwa kwakhona imbuyekezo iklayenti wamkela xa isiganeko inshorensi. Yembuyekezo iya kuhlawulwa zingadlulanga iintsuku ezisixhenxe emva kokuba zokuhlala.