Yintoni na isohlwayo? Isohlwayo: inkcazelo, iintlobo, iimpawu, kunye nenkqubo yokwenza yokubala

Kwimeko zokugxojwa izivumelwano kumthetho Russian inika uhlobo olulodwa isohlwayo. Loo nto nje isohlwayo, i umalusi ukufaneleka transfer zerhafu iintlawulo, uluntu iinkonzo, kunye nezinye iimbopheleleko ezininzi.

Yintoni na isohlwayo, yintoni indima yalo yokulawula

Isohlwayo ngohlobo kwezohlwayo kakhulu rhoqo kubomi bemihla ngemihla. Umsebenzi ukuyolela isohlwayo okunjalo kwenzeka ngexesha zokugxojwa ulwalamano zomthetho, liqulathwe kwikhontrakthi okanye ummiselo. Ukuba olu lwaphulo ithe kungalungiswa, isohlwayo uya kuqhubeka bekhula. Ubungakanani isohlwayo kuxhomekeke kwimali elityala, kwaye iya kubalwa pesenti.

Ukuhlalutya umbuzo oko kuhle, abantu baye bahlangane sexesha ezifana "njengomonakalo". Yinto ifana into efanayo. Umzekelo, ukuba isivumelwano izibophelelo ukuba isohlwayo mihla iya kuba 0.3% yentlawulo kwathiwa, ngoko olunjalo lwesigama kujongwe ukuba afumane inzala.

Ezimbini asetyenziswa kulo mkhuba komthetho uhlobo isohlwayo: le contract izohlwayo kunye nesohlwayo ngokusemthethweni. Kwimeko yokuqala ixabiso isohlwayo isetelwe ubudlelwane zezivumelwano. Ubukhulu elisondeleyo kwezohlwayo ezinjalo - 0.5% ngamnye ngosuku. Uhlobo lwesibini nezohlwayo esekwe yi umthetho yaye kulawulwa yi-Code Civil. Le ndlela iyasetyenziswa xa non-ukuhlawula isondlo, ulibazisa iintlawulo eluncedo kunye namanye amatyala. Xa kungekho lwemithetho ekubaleni ipesenti imali nesohlwayo lilingana rate iqale ukusebenza ngexesha bezityholo.

Kulo meko, ukuhlawuliswa irhafu ethe

Zonke iintlawulo zerhafu ungqongqo amaxesha ukuba mawulandelwe ngokuthe ngqo. Ukuba umhla transfer Kwadlula, esilawula abasemagunyeni nezohlwayo. Logama nje irhafu esisiseko akuhlawulwa, inzala iya kuqhubeka bekhula. Ukubavimba, kufuneka wenze mali yokuhlawula njengoko ngokukhawuleza kangangoko kunokwenzeka.

Abasemagunyeni yerhafu afumane inzala irhafu ngoncedo software ezizodwa. Ngaphambili, lo msebenzi ethatha ixesha elide wenza ezimali, yaye, nangona indlela ngqo, iziphumo ayekhona kuyathandabuzeka.

Kukho iqela lamatyala, xa izohlwayo zerhafu abayi icala. Umzekelo, ukuba ngeendleko berhafu iyabhlokwa sisigqibo amagunya serhafu okanye imali ubanjiwe ngokusekelwe kwisenzo egwebayo.

Indlela ezihlangene kunye nezohlwayo

Izohlwayo kunye izohlwayo zohlukile nezizimeleyo enye kwenye. Phakathi kwezi izohlwayo kukho umahluko obalulekileyo. inkampani mboniso Fine xa kuthe kwephulwa, kwaye isohlwayo ibalwa ukususela ngomhla wokuqala kokulibazisa. Izohlwayo iyalungiswa mali, inzala engagqibekanga ibalwa ngokwefomyula eyenzelwe ethile, kuthathelwa ingqalelo izinga mboleko yangoku.

Kuba ulibaziseko ukuhlawula iintlawulo eluncedo yesohlwayo

Ukulibazisa ekuhlawuleni imali yezinkonzo ihlala i ingxaki zale iinkampani ukulawula. Ukuba isixa-mali setyala ingabi bagxeke, abathengisi amandla kunye neenkonzo yabathengi banelungelo lokuba abeke isohlwayo ngenxa eziluncedo.

Ubukhulu ukubonwa izohlwayo kuxhomekeka kwinani leentsuku kokulibazisa. Phantsi imithetho ezintsha ukususela nge-1 Januwari 2016 izohlwayo baqale ezongezelelekileyo ezingama-31. Kwiinyanga ezintathu (iintsuku ezingama-90) inzala iya kongezeleka ngomlinganiselo 1/300 yereyithi ekukhutshweni kwemali kunye 91 ekhulwini mini iya kwandiswa ukuya 1/130 rate.

Ngamanye amaxesha, umnini-ezindlini kukushiya ixesha elithile, kule meko kungenzeka ukuba siphephe accrual kwezohlwayo, ukuba kwangaphambili ukuba ubhale ingxelo kwinkampani yolawulo. Oku kulibaziseka elinokunikwa umntu iinyanga ezintandathu.

Ukulibala intlawulo for CTP - iwise isohlwayo

isivumelwano inshorensi CTP kuquka ukumiselwa uxanduva oluthile amaqela ngokusilela ukuthobela apho izohlwayo zinikiwe. Kwimeko kwesiganeko kwiingcinga benefits yesicelo ye ixhoba kufuneka kuhlala ngaphezu kweentsuku ezingama-20. Emva kweli xesha, inkampani yeinshorensi linyanzelekile ukuba ahlawule sicelo ipremiyamu inshorensi okanye ukuqulunqa ukwala kufanelekile.

Ukuba iimali bengahlawulwa ngexesha, inkampani kuya kufuneka ukuba kuvavanywa isohlwayo. isohlwayo Insurance yi-1% imali eseleyo, ebalwa mihla le. Ukuba inkampani yeinshorensi ihlawulwe ngokupheleleyo xa umxumi, isohlwayo uya kuhlawuliswa kuyo yonke le mali. Kwimeko nokulityaziswa ngabom ngexesha processing ezicaciswe isohlwayo mali ka-0.05% yonke imihla. Kubalulekile ukuphawula ukuba isohlwayo lilonke ayikwazi ngaphezulu intlawulo inshorensi ubuninzi.

Izinto oza kuzifuna rate ekufuneni

lenzala yibhanki eyongameleyo eboleka neebhanki zorhwebo, ebizwa izinga ekufuneni imali. Eli gama komnotho a ngokubaluleka kunokuba ezinkulu ngokwesicwangciso-qhinga yaye bathathe inxaxheba ekubaleni kwezohlwayo.

Ukubalwa nezohlwayo zisekelwe kumgaqo-1 \ 300 umlinganiselo ngosuku ngalunye kokulibazisa. Ngamanye amazwi, isixa ityala liphindaphindwe 1 \ 300, yaye inani leentsuku ephosiweyo. Kwakhona, izinga lenzala inxaxheba nemithetho yezabasebenzi kunye nemimiselo elawula intlawulo kwangethuba imivuzo yabasebenzi.

Izinga mboleko akwazi ukutshintsha yokusebenza yayo ngamaxesha kunyaka eziliqela, ngoko ke kubalulekile ukuba esweni utshintsho ezinjalo ukuze kubalwe kakuhle iintlawulo umdla rhoqo.

Indlela yokubala izohlwayo

Kwathi kanti, oko kuhle, kulula ukuqonda noko kakhulu kunzima ukuqonda indlela eli xabiso mboleko.

Ixabiso zezohlwayo usoloko kuchazwa njengepesenti mali oyintloko. umthetho Federal umisela ukuba izohlwayo kongezeleka ngesantya 1/300 yereyithi mboleko ebekwe yi-Central Bank of Russia.

Ukuze kubalwe le isohlwayo ngokuchanekileyo, kufuneka zande mali kwetyala ngenani leentsuku usemva ngentlawulo kwaye izinga mboleko kwi iqhezu 1/300 ekhulwini.

rate mboleko Bank uyakwazi ukutshintsha amaxesha amaninzi ngonyaka, ngoko umbuzo koko ixabiso ukusebenzisa kwifomula. Ngokutsho komthetho, izohlwayo kufuneka ibalwe ngokwahlukileyo, kuthathelwa ingqalelo ixesha ngenxa ipesenti utshintsho yenzekile. Kwaye akunamsebenzi, ukwanda okanye ukuncipha rate.

Ukudluliswa intlawulo yesohlwayo

nenzala yayo badluliselwe ngaxeshanye kunye nokuhlawulwa inqununu okanye kwimeko yokunqongophala kwemali emva kokuba uhlawule amatyala ngokwabo. Izohlwayo kwiintlawulo ayikwazi yokutsalwa elunxwemeni ngaphandle kwemvume, kwaye azikwazi kuhlawulwa kwipropati yenkampani. Kubaluleke kakhulu xa ukuhlawula nezohlwayo ukuthobela inkqubo intlawulo yetyala oyintloko. Ukuba usemva azisayi kubuyekezwa wena, ukuba isibalo sengigqi kwezohlwayo bekuya kuba nantsingiselo, ekubeni ukukhula kwabo kuya kuqhubeka. Intlawulo yokuqala oyintloko usoloko kucinywa.

ikhowudi yerhafu Russian umisela ixesha kwesithintelo esebenzayo amatyala ezenziweyo. Umntu owaphula umthetho ayikwazi kutshutshiswa emva kweminyaka emithathu, ezithi zibalwe ukusuka kumhla bezityholo, okanye usuku lokuqala emva kokuphela kwethuba lerhafu. Ngoko ke, abantu abaninzi kunye amaqumrhu asemthethweni, beqonda ukuba isohlwayo kwaye yintoni isithuba ukusebenza isinyanzelo ndokuhlawula, kungekhona ungxamile ukubuyisela ityala. Le ephule umthetho kwaye kungabangela impembelelo ebalulekileyo kakhulu.