Ubwishingizi bw'inguzanyo ni ngombwa ku mabanki atanga inguzanyo: Umwanzuro w'amasezerano n'igihe cyayo, ubwoko n'ibiciro by'ubwishingizi.
Kubona inguzanyo yinguzanyo, kubaturage benshi bo mugihugu cyacu, inzira yonyine yo gukemura ibibazo byabo byamazu. Ariko gutanga iyi nguzanyo ndende, Banki yinguzanyo igomba kumenya neza ko uwagurijwe azashobora kuyishura mugihe gikwiye. Ni kubwiyi bwoko butandukanye bw'inguzanyo zahimbwe, kimwe muri byo ari ubwishingizi.
Inguzanyo yo kugura inzu cyangwa murugo ni inguzanyo ndende, yatanzwe mubisanzwe mumyaka 10-20. AKAK kuba banki, niba muri iki gihe umuntu azarwara cyane, azahagarikwa cyangwa muri rusange, Imana ikinga ukuboko, gupfa? Cyangwa niba inzu yiyemeje? Cyangwa nyirubwite afite amazu, yasaga nkuwagurijwe no mu mahigo ya banki, azahindukira kuri umwe muri ba nyir'icyemezo cy'urukiko?
Abanyamabanki bitabira ibibazo nkibi: Ugomba kwishingira ibyo byiringiro byose. Inzira ya Ithak ihindura ibibazo bishobora kuvuka mugihe cyamasezerano yinguzanyo, ku bitugu byamasosiyete yubwishingizi. Uwagurijwe n'uwaguririza ubwe n'uwagurijwe ubwayo bashishikajwe no kugura ubuzima bwabo n'ubuzima. Niba habaye umuzerwe, nisosiyete yubwishingizi izishyura umwenda w'inguzanyo kuri banki, azishyura igihombo urupfu rwuzuye cyangwa kwangirika ku mutungo utimukanwa kandi uzagaragaza inyungu z'umuntu mu rukiko. Abantu bose bahisemo kubona inguzanyo y'inguzanyo bagomba kumva ko bakeneye ubwishingizi (kuko bitabaye ibyo nta mafaranga azabaho!) Kandi witegure gutanga amakuru yuzuye kubyerekeye ubuzima bwawe n'amazu yatoranijwe. Inzego z'inguzanyo nyinshi zisaba kwishingira ubuzima n'ubuzima bw'uwagurijwe, wabonye ibintu bitimukanwa, ndetse n'ingaruka zo gutakaza nyirubwite. Data, ugereranya buri bwoko bwubwishingizi bwubwishingizi, nkuko ukeneye kwishyura ubwishingizi n'impamvu, turashaka kumenya muri iki gitabo.
Serivisi yuzuye
Imwe mu miterere iteganijwe yo gutanga inguzanyo y'inguzanyo mu mabanki menshi ni umuntu ku giti cye, umutungo n'ubwishingizi bw'igituro. Reba imanza mugihe ugura amazu mu isoko rya kabiri, amasezerano yubwishingizi bwubwishingizi bwuzuye, burimo ubuzima nubuzima bwuwagurijwe, bufite amazu, nyir'icyitwa (izina ryitwa). Kubona inguzanyo yo kugura amazu ku isoko ryibanze, uzakenera kwishingira ubuzima bwacu nubuzima, kuko umutungo ubwawo utabaho, nta nyirubwite. Ikipe yo mu nzu ya Komisiyo ya Leta kandi igishushanyo mbonera cy'inzu kigomba gucyategura ubwishingizi bw'imitungo itimukanwa.Amasezerano yubwishingizi bwinguzanyo ari hagati yisosiyete yubwishingizi (umwishingizi) nabakozi ba Mubiri (Umutungo) bashyigikiye undi muntu (abagenerwabikorwa), nirwo ruhare muri banki. Kuki kubikora, kandi ntabwo ari ukundi? Banki iguha amafaranga ye, ahubwo, yakira, ivuga hafi, igiceri cyangwa ikindi nyandiko cyemeza ko amazu yaguzwe ari mu mihigo ye. Niba hari ikintu kibaye hamwe nimihigo (inzu, inzu) cyangwa hamwe nuwagurijwe, banki igomba kugaruka amafaranga yayo. Kuba umuhakana hamwe nisosiyete yabo yubwishingizi.
Amabanki n'amasosiyete y'ubwishingizi binjira mubufatanye hagati yabo. Mubisanzwe abishingizi (cyangwa ahubwo, gahunda zabo zubwishingizi zishinzwe inguzanyo zirimo gushingwa mumabanki atandukanye. Vitoga adrower nyuma yo kumenyesha amahirwe yo kubona inguzanyo yinguzanyo muri iyi banki yakira urutonde rwibigo byubwishingizi bishobora kujuririra. Maria Serov, umuyobozi w'ishami rishinzwe kwamamaza, Maria Serov avuga ati: "Uwagurijwe ntashobora kurangiza amasezerano y'inguzanyo hamwe n'inguzanyo ku gutanga inguzanyo no kuba umuguzi" vneshtogbank "." Iki gisabwa kirateganijwe Gukenera guhuza ubwoko bw'amategeko n'ubwishingizi bw'amasosiyete y'ubwishingizi. Ku bintu biranga inguzanyo muri banki runaka. "
Igisubizo cya "Banki mpuzamahanga ya Moscow" ikorana namasosiyete ya Ingosstrakh na Rosno. Abafatanyabikorwa muri gahunda y'inguzanyo "RaiffeisenBanKank Otirishiya" ni "Itsinda ry'Ubwishingizi bw'Ubwishingizi", "Iterambere ry'ubwishingizi", "Isosiyete y'Ubwishingizi AIG mu Burusiya" na "Isosiyete y'Ubwishingizi bwa Gisirikare". Banki ya DeltAcredit ifatanya nimiryango imwe (usibye iterambere rya Guarantor) wongeyeho hamwe na "Ubwishingizi bwa AIG na Reinsiransaba Kwishura" na "Alfares". Umufatanyabikorwa wa Gazprobank ni itsinda rya Sogaz, "Banki yinguzanyo zo mu mujyi" - ROSGASSTRAKH. "Vneshtogbank" uyumunsi ikorana na Ingosstrakh na "isosiyete yubwishingizi bwa gisirikare" na gahunda yo kwagura cyane urutonde rwabafatanyabikorwa bayo mugihe cya vuba.
Ibisabwa by'amabanki gutanga inguzanyo zinguzanyo ziratandukanye. Nta mbaraga zo gusoza amasezerano yubwishingizi. Umuyobozi w'inama ya Deltacredit, yagize ati "manda y'ubwishingizi ntibugomba kuba ngufi kuruta igihe cy'inguzanyo." Sergey Lesnikov, mu rwego rwo gushyira mu bikorwa 100%, amasezerano y'ubwishingizi ni igihe cyemewe cy'inguzanyo. "Ibi bikuraho umukiriya kubikenewe buri mwaka amasezerano yo kurengera. " "Nk'uko umukiriya, umukiriya Ermakov, umukiriya ahitamo ubwishyu bw'ubwishingizi bw'umwaka." Ariko, gahunda yacu yubwishingizi igufasha kwishyura imisanzu nkuko no mu bice: Buri mwaka, rimwe mu mezi atandatu, buri gihembwe, buri kwezi. "Ubundi buryo bwo kubona akurikiza Alexander Khoshenko, Umuryango w'ishami, Umutware w'inama, Raiffeisenbank Otics": "ukurikije ibisabwa na Banki yacu , ubwishingizi bukururwa umwaka umwe. Mugihe isoko rikura, ikiguzi cyacyo kizagabanuka. Kubera iyo mpamvu, niba ubu uhisemo gufata inguzanyo no kwemera ikiguzi cyubwishingizi, nyuma yimyaka mike amafaranga yawe azagabanuka. Nyuma yimyaka mike amafaranga yawe azagabanuka. Nyuma yimyaka mike amafaranga yawe azagabanuka. Nyuma yimyaka mike amafaranga yawe azagabanuka. Nyuma yimyaka mike amafaranga ukoresha. Amasosiyete yubwishingizi Tanga ibiciro byiza cyane, cyane cyane iyo hatabayeho ubwishingizi. "
Mu bihe bya mbere, mu gihe cy'inguzanyo, uwagurijwe buri mwaka atanga umusanzu. Dukurikije isegonda, ibintu byose biraba: Premium yubwishingizi umwaka wambere winguzanyo yishyuwe byuzuye. Nyuma y'amezi 12, bikora umubare muto, kuko ubunini bwa premium yubwishingizi muri uru rubanza buvugururwa buri mwaka kandi bubarwa nkigicuruzwa gisigaye cyimyenda yinguzanyo hamwe nubwishingizi muri ubu bwoko bwubwishingizi. Buhoro buhoro, kwinjiza ubwishingizi bigabanuka. AESLI Boeli Yishyuye Inguzanyo Yihuse, umubare wanyuma wishyurwa wagabanijwe no kwihuta.
Abasomyi benshi b'ibiciro by'ubwishingizi bw'ikinyamakuru mu kubona inguzanyo y'inguzanyo barashobora gusa nkaho ari ngombwa. Nigute ushobora gutsindishiriza ibyo bakeneye?
Nkolay Shitov, umuyobozi w'inama "Umujyi w'inguzanyo mu mujyi": Ati: "Ubwishingizi bugamije kugabanya ingaruka kandi mbere ya byose, mu nyungu z'uwagurijwe. Birumvikana, ugomba kwiringira ibyiza, ariko witegure kubibi. Mugihe habaye ibirori byishingiwe (urugero, mu muriro mu nzu cyangwa ibyangiritse ku buzima, byateje ubumuga), isosiyete y'ubwishingizi yishyura umwenda wa Banki, kandi inzu ikomeje kuba uwagurijwe. "
Igor Sadovsky, umuyobozi w'inama y'ubutegetsi ya Deltacredit: Ati: "Banki yacu nk'umufatanyabikorwa ukomeye irashaka kunoza ibiciro iyo ikorana n'amasosiyete y'ubwishingizi. Politiki y'ikiciro yashyizweho n'amasezerano na bo itanga urwego ntarengwa rw'ibipimo. Igipimo cyubwishingizi bwinjijwemo kijyanye na 0.8-1% yinguzanyo kandi biterwa nigihe nuburinganire bwuwagurijwe, ubuzima bwubuzima, manda y'amasezerano yubwishingizi no kwivuza. Ku bijyanye no gukenera ubwishingizi, ndashidikanya ko umuntu wagombaga guhura n'ibirori bifite ubwishingizi, yicujije ku mafaranga yatanze ubwishingizi. "
Maria Serov, umuyobozi w'ishami ryamamaza no guteza imbere ibicuruzwa by'inguzanyo by'inguzanyo no gutanga inguzanyo ya mugenzi we "vneshtogban": "Urugero ruranga gukoresha ubwishingizi bw'inguzanyo mu bikorwa niho habaye ibirori bifite ishingiro mu masezerano y'ubwishingizi bw'ibyabaye ku cyo gihombo no kwangiza inzu. Buri gihe kwangirika kw'agace ku nzu, urugero, nkibisubizo bya Umuriro, isosiyete yubwishingizi izavomera ikiguzi cy'umwanditsi kugarura ikintu cy'umutungo utimukanwa; niba ibyangiritse ari ukugerwaho, indishyi zubwishingizi bwishyuwe, byibuze, birahagije kwishyura Banki yo kwishyura ibisigazwa by'inguzanyo. "
Umuyobozi wa Alexey Aksenov, umuyobozi w'ishami rishinzwe gucuruza na serivisi za Banki mpuzamahanga ya Moscow: "Nk'ubutegetsi, amasezerano y'ubwishingizi yuzuye agera ku 1.5% by'amafaranga y'inguzanyo ku mwaka. Ariko ntukicuze aya mafranga, kuko abitabiriye amahugurwa bashishikajwe n'ubwishingizi. Imbere, umurongo wo kwirinda umubare wa Ingaruka, harimo ibyago byo gutakaza amategeko. Umutungo.
Umuryango w'Inama Nkuru, Alexander Kvoshenko, umwe mu bagize Inama y'Ubutegetsi, Umuyobozi w'ishami agirana n'abakozi "Raiffeisenbank Otirishiya": "Gutanga inguzanyo mu Burusiya biracyari mu rubyiruko, kandi umubare w'abashinzwe ubwishingizi ukeneye kubonwa nkatanzwe. Kugaragaza ibiciro byo hejuru kubakiriya kandi ni ibyifuzo cyangwa gukenera kugura umutungo utimukanwa. Nyuma ya byose, niba umukiriya adashobora gutanga inguzanyo cyangwa ibintu bisanzwe, ikibazo ntikibaho na gato.
Ubunararibonye bwacu mu Burusiya bwerekana ko igitekerezo cyo kwiyongera ku kiguzi cy'inguzanyo kibaye kubera ikiguzi cy'ubwishingizi, ni umuzimu. Mu myaka ibiri ishize cyangwa itatu ishize, ikiguzi cyumutungo utimukanwa wakuze rimwe na rimwe. Inguzanyo zinguzanyo zagezweho hashize imyaka myinshi ntizicuza namba, kandi byibuze 2% byibiciro byubwishingizi bisa nkaho biri inyuma hamwe na orninvoable ntoya. "
Ubuzima n'ubuzima
Intambwe yambere yo gusoza amasezerano yicyubahiro ayo ari yo yose yuzuza ikibazo (birashobora kandi kwitwa itangazo, ikibazo). Mugihe wubwishingizi bwubuzima nubuzima, ikubiyemo ibibazo byemerera umwishingizi gusuzuma urugero rwibyago no gushyiramo igiciro kimwe cyangwa ikindi giciro. Uruziga rwibi bibazo rufite kimwe mubigo byose byubwishingizi, gusa amagambo no gutumiza iperereza biratandukanye. Ibibazo bifitanye isano nubuvuzi butaziguye nubuzima bwumutoza-nyirubwite: Imikurire yacyo nuburemere (Ingeso mbi (Kunywa inzoga), Kunywa inzoga) Ibibyimba bya Benign), indwara za sisitemu z'imitima, ihohoterwa, urwengo na Sosiyetes, impyiko, inzego z'ubuhumekero, kureba, imitekerereze ya musculoskeletal, yo mu mutwe no guhangayikishwa no mu mutwe no gukanda. Itsinda ryihariye ryibibazo ryitangiye ingaruka zinyongera, ni ukuvuga ibyiciro nimwe mumikino ikabije: Imisozi, koga hamwe na SCUBA, gutwara moto, ibihangano byintambara ,.d. Umubare wibibazo byose birashobora kugera kuri 35 (!). Inesl byibuze umwe muribo uzasubiza neza, uzakenera kwerekana ibisobanuro hanyuma usobanure byose muburyo burambuye ...
Isosiyete ishingiye ku makuru yerekeye ikibazo, isosiyete izasuzumwa mbere, kandi niba hagaragazwaga, ubwishingizi bw'uwagurijwe burashobora koherezwa mu bizamini by'ubuvuzi, kandi mu bihe bidasanzwe, muri rusange, guhakana ubwishingizi. Ukurikije imyaka nuburyo ubuzima, igipimo cyubwishingizi bwo hejuru cyangwa gito kizashyirwaho kumuntu. Ingano yubwishingizi ya premium irashobora kuba ebyiri, kandi rimwe na rimwe inshuro eshatu. Kurugero, hamwe ninguzanyo imwe y'amadolari 50.000, ubuzima n'ubuzima bw'ibicuruzwa bigura amadorari agera kuri 80 ku muntu urengeje imyaka 30, n'imyaka 51-60 ni hafi $ 150 ku mwaka. Igiciro cyose cya politiki ihuriweho biterwa nibi bipimo.
Amakuru yose mubibazo azafatwa nkigice cyamasezerano yubwishingizi. Inesley Uwishingiwe nta kintu na kimwe gihishe mumwishingizi (urugero, kuba hari indwara ikomeye), bizarushaho kuba bibi, kuko iyo iki kibazo gifite ubwishingizi kibaye, isosiyete izashobora kwanga umukiriya mu kwishyura indishyi .
Umutungo utimukanwa
Amabanki yose atanga inguzanyo zinguzanyo akenera kwishingikiriza amazu yaguzwe. Turimo tuvuga kubintu cyangwa inzu: gutwara urukuta nintoki, hasi, amarondo, ubuvugizi, amashanyarazi, inzugi n'amashanyarazi na Windows. Imitako y'imbere irashobora kwishingikizwa n'amasezerano yinyongera, abagenerwabikorwa batazaba banki, ariko abishingiwe ubwayo. Ishami rikuru ry'ishami rishinzwe ishami rivuga riti: "Iyo tugura inzu ku isoko rya kabiri, iyo ngingo y'ubwishingizi ivuga ko ari iyo ngingo, gusa ishyira mu bikorwa umuhigo w'amahigo ingwate Mu isoko ryimiturire (niba uwagurijwe atari yo ashobora kwishyura ku nguzanyo) ntamuntu numwe uzirikana kurangiza imbere. Agaciro kerekana inzu yonyine, ahantu habyo, aho it ..Ni izihe ngaruka zidafite imitungo itimukanwa? Urutonde rwabo mumasosiyete atandukanye nimwe: umuriro, ibiza, guturika (harimo na gaze), bay (ibyangiritse kumutungo nibice byabo. Mugihe ugena igiciro cyubwishingizi bwumutungo, kwiyongera no kugabanya coefficient, amaherezo bizagira ingaruka ku bunini bwa nyuma bwa premium (umusanzu). Umuhoro uzaba mwinshi niba, vuga, inzu yaguzwe iherereye munzu ifite ibiti cyangwa bivanze bihuje, mu nyubako ishaje, mu nyubako hari sauna, inzu hari saumid.p. Kandi rero, hepfo, niba amazu afite impuruza yumuriro, umuryango wicara wicyuma, Windows yuburinzi, amasezerano na minisiteri y'ibikorwa imbere nayo.d irangiye. Ibisobanuro birenze kubyerekeranye nubwishingizi bwinyubako urashobora kubisanga mu ngingo "inzu nkunda".
Isosiyete yubwishingizi irashobora kwanga kwishingira ubuzima, imitungo itimukanwa hamwe nubwitonzi, niba ashidikanya ku bumwe bw'ubwishingizi?
Sergey Lesnikov, umuyobozi wungirije ushinzwe gushyira mu bikorwa imishinga idasanzwe y'itsinda rya Alfactory: "Birashobora. Muri icyo gihe, hariho umwihariko. Niba, mugihe usuzumye ibyago byubwishingizi bwubuzima kubashingizi, hari impamvu zo gutekereza ko ibyago byo guhura nibibazo byishingiwe birenze urugero, ariko biri mubibazo byemewe, noneho ibi byishyurwa nigipimo cyiyongereye. Niba, nyuma yo kugenzura ubuziranenge bw'amagorofa, bigaragaza ko ibyago byo gutakaza nyirubwite ari byiza, bizanga gusa kwishingira ibyo kubona. "
Yana Klein, Umuyobozi wubwishingizi bwa Rosno Pergage: Ati: "Kwanga birashoboka gusa nyuma yo gusuzuma ingarukaga zo hashyizweho ikigo cyubwishingizi. Kurugero, ukurikije ubwishingizi bwikirere, birashoboka niba bishoboka kugabanya ubuzima nubushobozi bwubuzima, bukangurira Ingaruka cyangwa kwiyongera muri coefficien, icyo umwishingizi adasobanura byanze bikunze banki n'umukiriya. Ibiciro by'ibizamini byambere bifata iminsi ibiri. "
Dmitry Maslov, Visi Perezida, umuyobozi w'ikigo cy'ubwishingizi bw'umutungo wa sosiyete ya Rosgosstrakh: "Mu rwego rwo gushiraho inguzanyo yuzuye, kwandika gutanga inguzanyo bitanga ubuvuzi bwubuzima bushobora gutanga ibitekerezo, imiterere yakazi kayo n'amateka yumutungo - ingingo yumuhigo."
Mikhail Drozhin, umuhanga mu by'amahanga wa banki n'ishami ry'ubwishingizi bw'inguzanyo. " "Ahari niba hari impamvu zihagije zo kwizera ko, urugero, ubuzima n'ubuzima bw'uwagurijwe hamwe n'ubushobozi bwo mu rwego rwo hejuru. Cyangwa nk'urugero, hari umurimo w'ubwubatsi ushobora kwibasirwa n'inzu yaguzwe. Kandi kwanga kwishingira ntibizagaragaza kwanga kwishingira ubuzima nubuzima, umutungo cyangwa igishobora kuba nyirubwite bizashyiraho igipimo cye. Birumvikana ko umuntu afite Ntibisanzwe. Nta nkuru nk'izo mu myaka itatu ishize. ".
Umutwe
Umutwe w'ubwishingizi, nyirubwite w'amazu yaguzwe, ntabwo amabanki yose asaba. Ntugomba kwishyura amafaranga yinyongera yuyu bwishingizi muri Sberbank yuburusiya no muri iyo miryango yinguzanyo yatanzwe inguzanyo zinguzanyo muri gahunda ya AHML (ikigo cy'inguzanyo zitanga inguzanyo).
Kuki ukeneye kwishingira umutwe, ni ukuvuga igihombo cyo gutunga amazu? Igori Sadovsky muri Banki ya Deltacheredit. - Umuntu wese azi ko hagati ya mirongo ine, hakorwa ihohoterwa rikorerwa abaturage bonyine imiturire, ndetse no ku mwanzuro y'ibikorwa, kwemerwa no kwandikisha.DD Ingero nyinshi mbi z'amategeko agenga amategeko n'iyi minsi.
Alexander Khoshenko kuva kuri "RaiffeisenBannk" ashyira imbere ibitekerezo bye: "Habaho amahirwe yo gutakaza uburenganzira bwo gutunga imiturire yabonetse nicyemezo cyurukiko, niba ibikorwa byumutungo utimukanwa bitemewe kubwimpamvu cyangwa izindi mpamvu. Bashobora kuba ibintu bituzuye kubantu bagurishije inzu, kunanirwa mubucuruzi bwabandi bantu bafite uburenganzira kuri uyu mutungo, andi mategeko ava ku mategeko. " Igitekerezo cy'Abolowagues cyemeza Nikolai Shitov kuva kuri "Banki y'inguzanyo zo mu mujyi": "Twibanze ku mikorere y'isi yose, nk'uko ubwishingizi bw'igitabo butangwa mu bihugu byinshi."
Kwiyandikisha izina ryubwishingizi bwaguzwe amazu, uwagurijwe abishingiwe agomba gusubiza ibibazo bijyanye nikibazo cyashize hamwe ninzu / inzu hamwe na ba nyirayo nabambere nabyo, kimwe no gutanga inyandiko nyinshi zemeza aya makuru. Niba amazu agurishijwe mu kigo, ni ngombwa guteranira no gutanga amakuru kuri we.
Urubanza rw'ubwishingizi, nk'ubutegetsi, kubura nyirubwite ku mutungo wishingiwe bitewe n'icyemezo cy'urukiko rwinjiye mu gaciro k'ukuri, kikabuza nyirubwite nyirubwite muri rusange cyangwa igice. AB AK Ibigo bimwe byubwishingizi Urutonde rwubwishingizi Byuzuza Ibindi bibiri: Kubungabunga uburenganzira bwo gukoresha abafite imitungo itimukanwa nyuma yicyiciro cyimitungo itimukanwa nububiko bwa leta Ubwishingizi butabyemereye kubagenerwabikorwa (Inguzanyo, ni ukuvuga banki yatanze inguzanyo). Igor yagize ati: "Ibi biragufasha kugabanya ingaruka zijyanye n'umufatanyabikorwa w'umugurisha na / cyangwa abavandimwe bayo kuva mu nzu wahawe n'uwagurijwe, hashobora kubaho ibirego by'abashinzwe inzu no mu yandi mananiza," Sadovsky wo muri Banki ya Deltacredit.
Igiciro cyubwishingizi
Ibiciro byubwishingizi muri buri rubanza runaka biterwa nibintu bitandukanye. Emakov wo muri Soghaz avuye muri Soghaz ati: "Ubwishingizi bw'inguzanyo bwari bumaze gutanga ibiciro ugereranije n'ubwishingizi kuri politiki ku giti cye, imitungo n'umutwe ntibirenza 1,5% by'ubwishingizi. Tuzagira an Umwaka wa buri mwaka umusanzu wubwishingizi bwimyaka 30 yumugabo uri munsi yinguzanyo ya $ 50.000 kumyaka 10, muri yo $ 270- kuri uru rubanza, Amasezerano yubwishingizi arasozwa mugihe cyose cyo gutanga inguzanyo, kandi tuvuga imisanzu ngarukamwaka.).
Niba amasezerano yubwishingizi bwinguzanyo ari umwaka umwe, hanyuma, ubunini bwubwishingizi buringaniye bumara 1.5% bisigaye byamafaranga yinguzanyo, byiyongereyeho 10%, kumwaka (!). Nigute iyi mibare izasa ninguzanyo ya $ 50.000 mugihe cyimyaka 10? Bwa mbere, bizaba ngombwa kwishyura amadorari 825, umwaka- $ 743, nyuma ya $ 660, nyuma ya saa tatu 57- $ 83, niba uwagurijwe azasubiza inguzanyo ku gihe. Bose bazishyura $ 454 kumwaka. Rero, mumasezerano atandukanye yo gusoma amasezerano, umubare wubwishingizi bwose uzaba hafi. Bazatandukana mubunini mumyaka itandukanye.
Kuguriza inguzanyo birasa neza. Niba umupfumu wibintu bitandukanye bishobora kugarurwa inshuro nyinshi. IMA rwose izakomeza ikiganiro muri kimwe mu mibare ikwegereye.
Abanditsi bashimira "vneshtorstrakh", "Hafacestrakh", "Umudugudu wa Banki", "," uruhushya "rwo gufasha Gutegura ibikoresho.