I-inshurensi yemali mboleko yimfuneko eyimfuneko yebhanki ekhupha imali mboleko: ukupheliswa kwesivumelwano kunye nexesha lesenzo sayo, iindidi ze-inshurensi.
Ukufumana imali mboleko yokubambisa, kubemi abaninzi belizwe lethu, ekuphela kwendlela yokusombulula iingxaki zabo zezindlu. Kodwa ukubonelela ngale mboleko yexesha elide, iBhanki yeBhola ekhatywayo kufuneka iqiniseke ukuba lowo ubolekayo uya kuba nakho ukuyibuyisela ngexesha elifanelekileyo. Kule nto iintlobo ezahlukeneyo zemali mboleko yemali mboleko, enye yazo yi-inshurensi.
Imali mboleko yokuthengwa kwendlu okanye ekhaya yimali mboleko yexesha elide, ikhutshiwe ihlala iminyaka eli-10 ukuya kwengama-20. I-Akak ukuba yibhanki, ukuba ngeli xesha umntu uya kugula, uya kukhubazeka okanye ngokubanzi, uThixo angakunjalo? Okanye ukuba indlu ithe yafakwa? Okanye ubunini bezindlu zabo, nto leyo yayibonakala ngathi ngababolekayo kwaye kwisibambiso sebhanki, siya kutshintshela kwelinye labanini bamabanini bangaphambili?
Iibhanki ziphendula kwimibuzo enjalo ngokulinganayo: kufuneka unyanzelise zonke ezi zingozi. Indlela yokutshintsha indlela enokuthi ivele ngexesha lesivumelwano semali mboleko, kumagxa eenkampani zeinshurensi. Oboyiyayo ngokwakhe, kwaye obolekayo, kwaye obolekayo wunomdla wokuthenga ubomi kunye nempilo. Ukuba umsitho we-inshurensi wenzeka, yinkampani yeinshurensi eya kuhlawula imali eseleyo kwiBhanki, iya kubuyisela ilahleko yokufa okanye ukonakaliswa kwepropathi yenkundla kwaye iya kuzisa iimfuno zomntu enkundleni. Wonke umntu wagqiba kwelokuba imali mboleko mali kufuneka iqonde imfuno ye-inshurensi (kuba kungenjalo akuyi kubakho mali!) Kwaye zilungele ukubonelela ngolwazi olupheleleyo malunga nempilo yakho kunye nezindlu ezikhethiweyo. Uninzi lwamaziko emvumeli afuna ukhusela ubomi kunye nempilo yobolekayo, efumene ipropathi engenakususwa, kunye nomngcipheko wokuphulukana nobunini bayo. Utata, omeleyisa nganye yeentlobo zeinshurensi, njengoko ufuna ukuhlawula i-inshurensi kwaye kutheni, sifuna ukuxela kolu shicilelo.
Inkonzo ebanzi
Enye yeemeko ezinyanzelekileyo zokubonelela ngemali mboleko yemali kwi-Banks ezininzi yi-Inshurensi yesihloko. Cinga ngamatyala xa uthenga izindlu kwimarike yesibini, kukhutshwa ikhontrakthi yeinshurensi ebanzi yemali, equka ubomi kunye nempilo yobolekayo, ofundisiweyo kunye nobunini bayo (obizwa ngokuba sisihloko). Ukufumana iMali mboleko yokuthenga izindlu phantsi kwemarike eyintloko, kuyakufuneka utshelele ubomi nezempilo zethu, kuba ipropathi ngokwayo ayikho okwangoku, akukho bunini bayo. Isiqu seNdlu yeKhomishini yeSizwe kunye noyilo lobunini bendlu kuya kufuneka ucwangcise i-inshurensi yendawo yokuhlala efunyenweyo.Imvumelwano yeinshurensi ye-inshurensi iphakathi kwenkampani yeinshurensi (i-inshurensi) kunye nabasebenzi bomzimba (i-inshurensi) bathanda umntu wesithathu (umzuzi), eyindima yeBhanki. Kutheni le nto yenziwa njalo, kwaye kungenjalo? I-Bhanki ikunika imali yakhe, kwaye endaweni yoko, iyayifumana, intetho eqingqiweyo, ipeni okanye olunye uxwebhu oluqinisekisa ukuba izindlu ezithengiweyo kwisibambiso sakhe. Ukuba kukho into eyenzekileyo ngesihloko sesibambiso (ifama, indlu) okanye eboyikayo, iBhanki kufuneka ibuyisele imali yayo. Ukubambelela kuye inkampani yabo yeinshurensi.
Iibhanki kunye neenkampani zeinshurensi zingena kubambiswano omnye komnye. Ngokwesiqhelo ii-inshurensi (okanye endaweni yoko, iinkqubo zabo ze-inshurensi ze-inshurensi ze-Intanethi zisebenza khona iinkqubo zokuvunywa kwiibhanki ezahlukeneyo. I-Vitoga ibolekayo emva kwesaziso semali mboleko yokubambisa kule bhanki ifumana uluhlu lweenkampani zeinshurensi apho zinokutsala isibheno. UMaria Surball uthi: "Obolekayo ayinakufikelela kwisivumelwano se-inshurensi ye-inshurensi nenkampani engavunyelwanga yibhanki kunye nophuhliso lweemveliso zetyala zolawulo lwetyala lemali mboleko kunye nomthengi" Vneshtorggennk "." Le mfuno ichaziwe ngu Isidingo sokutshintsha imithetho yohlobo kunye neemvumelwano zeinshurensi yeenkampani zeinshurensi. ukuya kwiimpawu zentengiselwano yemali kwibhanki ethile. "
Iziphumo ze "moscow ze-moscow" isebenza ngenkampani ye-Ingosstrakhhhhhhhhh kunye neRosno. Amaqabane kwiNkqubo yoMboleko "Raiffeisenbank Austria" "i-inshurensi yeinshurensi", "Isosstrakh", "I-Insusstrakh", "I-Inshorstrakh", "I-Inshorststrakh", "I-Inshorststrakh", "I-Inshurensi yeNkampani i-Inshurensi yaseRussia" kunye "nenkampani yeinshurensi ye-Inshurensi" kunye "nenkampani yeinshurensi ye-Inshurensi" kunye "nenkampani yeinshurensi ye-Inshurensi" kunye "nenkampani yeinshurensi ye-Inshurensi". I-Deltackered Bank isebenzisana nemibutho efanayo (ngaphandle kwenkqubela phambili yesiqinisekiso) kunye ne "Inshurensi ye-AIG kunye neNkampani yeRencerments" kunye "nealfa". Iqabane likaGazprombank liqela leSoGat, i "Mfazwe yeShishini" - iRosgosststrakh. "VNeshtorgbank" Namhlanje isebenza ne-Ingosstrakh kunye nenkampani yeinshurensi yemkhosi "kwaye icwangcisa ukwandisa uluhlu lwamaqabane awo kungekudala.
Iimfuneko zeebhanki kwi-Inshurensi ye-Inshurensi yemali mboleko iyahluka. Akukho mzamo wokuphelisa izivumelwano zeinshurensi. "Ixesha lezivumelwano zeinshurensi akufuneki libe lifutshane kunexesha letyala," I-IGREOVSKY, isihlalo seBhodi yeBhanki yaseDeltacredit. "Phantse iipesenti ezili-100 zamatyala, ikhontrakthi yeinshurensi yeyonke lelinye iSergey Lesnikov, iNtloko yeOfisi ukuze iphumeze iiprojekthi ezizodwa zeqela le-alfactory." Oku kuphelisa umthengi kwimfuno ye isandi semvumelwano yonyaka. " "Njengommiselo, umthengi ukhetha intlawulo yonyaka yeminikelo, ongeze i-valery ermakov, intloko ye-inshurensi yebhanki ye-Inshurensi." Nangona kunjalo, inkqubo yethu yeinshurensi ikuvumela ukuba ubhatale igalelo njengaxesha olunye kunye nezingamela: Rhoqo ngonyaka, kanye qho kwiinyanga ezintandathu, ngekota, ngenyanga. "Enye imbono ilandelwa kwi-Alexander Khoshenko, ilungu leBhodi, i-raiffeisebank Aprist Austria": "Ngokweemfuno zeBhanki yethu , I-inshurensi idluliselwa unyaka omnye. Njengoko imarike iphuhlisa, iindleko zayo ziya kuncipha. Ngenxa yoko, ukuba ngoku, ukuba ngoku, emva kokuba uthatha indleko ze-inshurensi, esele ihle, iinkampani zeinshurensi Nika amaxabiso anomdla kakhulu kwiminyaka elandelayo, ngakumbi ukuba akukho micimbi ye-inshurensi. "
Kwimeko yokuqala, ngexesha lemali mboleko, umntu obolekayo ngonyaka unegalelo kwinani elifanayo. Ngokwesibini, yonke into eyenzekayo: Ipreyisi ye-inshurensi kunyaka wokuqala wemali mboleko ihlawulwe ngokupheleleyo. Emva kweenyanga ezili-12, yenza inani elincinci, kuba ubungakanani be-inshurensi kule meko buhlaziywa minyaka le kwaye bubalwa njengemveliso ye-Inshurensi. Ngokuthe ngcembe, iipremiyamu zeinshurensi ziyehla. Umbolekisi we-Aesli uyayibuyisa imali-mboleko ekhawulezileyo, isixa sokugqibela seentlawulo zeinshurensi incitshisiwe ngokukhawuleza.
Abafundi abaninzi beendleko ze-inshurensi yemagazini ekufumaneni imali mboleko mali banokubonakala babone. Ungazithethelela njani?
UNikolay shitov, usihlalo weBhodi ye "Sixeko IBhanki yeShishini": "I-inshurensi ijolise ekunciphiseni umngcipheko kwaye, okokuqala, kwiminqweno yobolekayo. Ewe kunjalo, kufuneka unethemba elifanelekileyo, kodwa ulungele okona kubi. Kwimeko yokwenzeka komsitho we-inshurensi (umzekelo, emlilweni eflethini okanye ukonakaliswa kwezempilo, okukhokelela ekukhubazekeni), inkampani yeinshurensi ihlawula ityala lebhanki, kwaye igumbi lingasekelwa ngumbolekisi. "
Igor sarsovsky, usihlalo weBhodi yeBhanki yeBhanki: "IBhanki yethu njengeqabane elinobuzaza ifuna ukukhetha amaxabiso xa usebenza neenkampani zeinshurensi. Umgaqo-nkqubo weRhafu esekwe ngesivumelwano kunye nabo ubonelela ngenqanaba lenqanaba lerhafu. Ireyithi yeinshurensi ehlanganisiweyo ikwi-0.8-1% yexabiso lemali mboleko kwaye ixhomekeke kubudala kunye nesini sombolekisi, imeko yezempilo, ixesha lekhontrakthi yeinshurensi kunye nenqanaba lomngcipheko. Imfuno ye-inshurensi, ndiyathandabuza ukuba umntu omelwe kukujongana nomsitho we-inshurensi, wazisola imali awayeyinika i-inshurensi. "
UMaria Servist, intloko yesebe lentengiso kunye nophuhliso lweemveliso zetyala zemali mboleko kunye nomthengi "Vneshtorgbank": "Umzekelo obalulekileyo wokusetyenziswa kwe-inshurensi yokungabalulekanga xa usenzelwa umsitho we-inshurensi phantsi kwemvumelwano yeinshurensi yokulahleka kwelahleko, umzekelo, ngenxa ye Umlilo, inkampani yeinshurensi iya kugubungela iindleko zobolekayo ukubuyisela into ebonakalayo; ukuba umonakalo onjengaphantsi kwembuyekezo ye-inshurensi, ubuncinci, yanele ukubuyisa Ibhanki yokuhlawula intsalela yemali mboleko. "
I-Alexey Aksenov, iNtloko yeSebe leZimveliso eziThumekayo kunye neenkonzo zeBhanki yeMoscow yeHlabathi: "Njengomthetho, imvumelwano ebanzi yeinshurensi ebanzi malunga ne-1.5% yexabiso lemali mboleko ngonyaka. Kodwa musa ukuzisola le mali, kuba bonke abathathi-nxaxheba kwi-inshurensi. Phambili, ukwenzela ukuphepha inani le umngcipheko, kubandakanya umngcipheko wokuphulukana nomthetho. Ipropathi.
UAlexander Kvoosenko, ilungu leBhodi, intloko yeSebe ukuze asebenze kunye nabantu ababonakalayo "Raiffeisenak Austria": "Imali mboleko yokuboleka eRussia isesebusaneni, kwaye i-overestrimerimeted ireyitha kufuneka inyanwe njengento enikiweyo. Ukucacisa amanqanaba aphezulu kumthengi kwaye umnqweno okanye isidingo sokuthenga izindlu nomhlaba. Emva kwayo yonke loo nto, ukuba umxhasi akakwazi ukwenza imali mboleko okanye imeko yokoqobo, umbuzo awukazenzeke konke konke.
Amava ethu eRussia abonisa ukuba ingcinga yokuba ukwanda kweendleko zemali mboleko yenzekile ngenxa yexabiso le-inshurensi, yi-Grestly. Kule minyaka mibini okanye emithathu idlulileyo, iindleko zepropathi yokwenyani sele ikhulile ngamanye amaxesha. Imali mboleko mali yonke imihla eyadlulayo ayizisoli kwaphela, kwaye i-2% ephezulu ye-inshurensi ibonakala ikwimvelaphi encinci. "
Ubomi kunye neMpilo
Inyathelo lokuqala lokuqukumbela nakweyiphi na ikhontrakthi yeinshurensi igcwalisa iphepha lemibuzo (inokubizwa ngokuba yingxelo, ikhweshine ye-IT). Kwimeko ye-inshurensi yobomi kunye nempilo, inemibuzo evumela i-inshurensi ukuba ivavanye inqanaba lomngcipheko kwaye lisebenzise irhafu enye. Isangqa sale micimbi imalunga nazo zonke iinkampani zeinshurensi, kuphela eligama kunye nocwangco lophando lwahluka. Imibuzo ihambelana nazo zombini iinkalo zonyango kunye nendlela yokuphila yomdibanisi-umqeshwa: kubandakanya ubunzima be-4-5kg kunyaka ophelileyo), ubukho be-neoplasms (bukhoma kwaye Amathumba e-Bench), izifo zentliziyo yentliziyo, ukugaya, i-urogening kunye ne-erogenital kunye ne-endocrine, izintso, amaziko okuphefumla, ukujonga, iMugoskeletal, iMusiskeletal iphazamise. Iqela elahlukileyo lemicimbi linikezelwe kwimingcipheko eyongezelelweyo, oko kukuthi, iiklasi zenye yezona zinto zigqithileyo: ukuntywila, ukuqubha nge-scuba, ubugqwirha okanye ubugcisa bezithuthi. Inani elipheleleyo lemicimbi inokufikelela kwi-35 (!). I-Aesl ubuncinci enye kuzo uya kuphendula, kuya kufuneka uchaze iinkcukacha kwaye uchaze yonke into ngokweenkcukacha ...
Ngokusekwe kulwazi oluchazwe kwikhweshine, inkampani iya kuqhuba uvavanyo lwangaphambi, kwaye ukuba i-inshurensi ivele, i-inshurensi ebolekayo inokuthunyelwa kuvavanyo lwezonyango, kwaye kwiimeko ezinqabileyo, ukwala i-inshurensi. Kuxhomekeka kubudala kunye nemeko yezempilo, ireyithi yeinshurensi ephezulu okanye ephantsi iya kufakwa umntu. Ubungakanani beepremiyamu zeinshurensi zinokuba zimbini, kwaye ngamanye amaxesha kathathu. Umzekelo, kunye nexabiso lemali mboleko efanayo yeedola ezingama-50 000, ubomi kunye nempilo yabantu obolekayo ixabisa malunga ne-80 yeedola umntu ongaphantsi kweminyaka engama-30 ubudala, kwaye iminyaka eyi-51-60 ngonyaka. Ixabiso elipheleleyo lomgaqo-nkqubo ohlangeneyo lixhomekeke kwezi zikhombisi.
Lonke ulwazi kwiphepha lemibuzo luya kuthathwa njengenxalenye yemvumelwano yeinshurensi. I-Insey I-inshurensi iya kufihla nantoni na kwi-inshurensi (umzekelo, ubukho besigulo esinzulu), kuya kusenza mandundu ngakumbi, kuba siyakwazi ukwenzeka, inkampani iya kuba nakho ukwala umthengi kwintlawulo yembuyekezo .
Izindlu ezithengiswayo
Zonke iibhanki ezikhupha iimboleko zemali mboleko zifuna ukuqiniseka kwezindlu ezithengiweyo. Sithetha ngezinto ezenziwayo zendlu okanye indlu: ithwele iindonga ezingaphumliyo, imigangatho, ulwahlulo, unxibelelwano, iingcinezelo zombane, iingcango kunye neefestile. Umhombiso wangaphakathi unokhuselwe kwisivumelwano esongezelelweyo, umntu oxhamlayo akayi kuba yibhanki, kodwa i-Inshurensi uqobo. "Xa uthenga indlu kwimarike yesibini, into ye-inshurensi ayithandabuzekiyo, kuphela kwezinto zoyilo zeSebe leSebe leBhanki kunye neMveliso". Kodwa xa kumiliselwa kwisihloko sebhanki Kwintengiso yezindlu (ukuba umntu obolekayo akanakuhlawula kwimali mboleko) akukho mntu uthathela ingqalelo ukugqitywa kwangaphakathi. Ixabiso limele kuphela indawo yokuhlala ngokwayo, indawo yayo ..Yeyiphi ingozi kwi-inshurensi yokuthengisa izilwanyana? Uluhlu lwabo kwiinkampani ezahlukeneyo malunga ne: Umlilo, iintlekele zemvelo (kubandakanya igesi), izenzo ezingekho mthethweni zamaqela esithathu, i-Bay (umonakalo wenqwelomoya kunye neenqwelomoya. Xa kusenziwa isigqibo serhafu ye-Inshurensi, enyukayo kunye nokuFumaneka kwe-Coefficings kunokusetyenziswa, eziza kuthi ekugqibeleni zichaphazele ubungakanani bokugqibela wePrimiyamu (igalelo). Uluhlu lwamaxabiso luya kuphakama ukuba, yithi, igumbi elithengiweyo likhona endlwini enamaplanga okanye exubeneyo, kwisakhiwo esidala, kukho i-sauna, indlu ihluthayo.p. Kwaye, ngokufanelekileyo, ngezantsi, ukuba izindlu zixhotywe nge-alarm yomlilo, ucango lwentsimbi, i-Cerebral, imvumelwano neMphathiswa Wezemicimbi Yangaphakathi.D igqityiwe. Iinkcukacha eziphezulu malunga neinshurensi yamagumbi zinokufumaneka kwinqaku elithi "Indlu endiyithandayo".
Ngaba inkampani ye-inshurensi iyala ukuthenga ubomi, impahla yokuthengisa izindlu nomhlaba, ukuba uyathandabuza enye yeendidi ze-inshurensi?
ISergey Lesnikov, usekela intloko yeofisi yokumiliselwa kweeprojekthi ezizodwa zeqela le-alfactory: "Inako. Kwangelo xesha, kukho ubuchwephesha. Ukuba, xa kuvavanywa ingozi ye-inshurensi yobomi, kukho izizathu zokucinga ukuba umngcipheko wesiganeko se-inshurensi uphezulu, kodwa emva koko oku kuhlawulwa ngumgangatho ondandileyo. Ukuba, emva kokujonga ukucoceka okusemthethweni kwendlu, kuyavela ukuba umngcipheko wokuphulukana nobunini mkhulu, iyala ukhusela ukufunyanwa. "
I-Yana Klein, intloko yeProjekthi ye-Inshurensi ye-Inshurensi yeRosno ye-rosno "Ukwala ukwala kunokwenzeka kuphela emva kovavanyo lomngcipheko kukwenza phantsi kweenkampani zeinshurensi. Umzekelo, ngokwe-inshurensi ye-Inshurensi, kunokwenzeka ukuba kungapheli amandla obomi kunye nokusebenza komda umngcipheko okanye ukwanda kwe-courer, ukuba i-Inserr engaziseni ibhanki kunye nomthengi. Uluhlu lweerhafu zangaphambili lubhengeziwe kwangoko, kwaye inkqubo yoviwo yangaphambili ihlala ithatha iintsuku ezimbini. "
I-DMIMMY Maslov, Umongameli weXesha, iNtloko yeZiko le-Inshurensi yePropathi yeNkampani yeNkampani rosgosstrakh "Kwisimo sokudityaniswa kwemali mboleko, ukubhala ukubhala kunika uviwo kwimpilo yomGadi weMigaqo-nkqubo, iimeko zomsebenzi wayo kunye nembali yepropathi - umxholo wesithembiso."
I-Mikhail Drozhin, ingcali oyintloko ye-Inshurensi yeBhanki yeBhanki yeBhanki yeNkampani "imvume": "Mhlawumbi kukho izizathu ezaneleyo zokukholelwa ukuba, umzekelo, uBomi kunye neMpilo kunye neMfuno enesidanga esinamathuba okuba sengozini. Okanye, umzekelo, kukho umsebenzi wokwakha ecaleni kwendlu ithengelwe. Kwaye ukwala ukuqiniseka akuyi kuvakala njengokungakhathalelwanga kwi-insuren kunye nezempilo, ipropathi okanye isihloko. kunqabile. Kwakungekho zindulelayo kule minyaka mithathu idlulileyo. ".
Isihloko
Isihloko se-inshurensi, ubunini bendawo ethengiweyo, ayizizo zonke iibhanki. Awudingi ukuhlawula imali eyongezelelweyo kule-inshurensi kwi-SBREbank yaseRussia nakwimibutho yamatyala ekukhutshelwe imali mboleko phantsi kwenkqubo ye-AHML (iarhente yokuboleka izindlu zemali).
Kutheni le nto ufuna ukuthenga, oko kukuthi, ukuphulukana nobunini bezindlu? I-Igor ye-Eard Real Estate kukho umngcipheko ofanelekileyo kwi-delticredit yebhanki. - Wonke umntu uyazi ukuba phakathi kwee-Nineties, ukophulwa kwenziwa ekusebenziseni indawo yokuhlala yezindlu, kunye nesiphelo yentengiselwano, ukwamkelwa kunye nokubhaliswa kwayo.Dwaba yimizekelo emibi yokunyhashwa kwaphulwe umthetho kwaye kwezi ntsuku.
UAlexander Khoshenko ukusuka "Raiffeisebank" ubeka phambili iimpikiswano zakhe: "Kukho ithuba lokuphulukana nelungelo lobunini bezindlu ezifunyenwe sisigqibo okanye ezinye izizathu. Basenokuba kukungafezeki kwabantu abathengise igumbi, ukunqongophala kwemvume yokuthengiselana nabanye abantu abanelungelo lokuphulwa umthetho, olunye ukophulwa komthetho. Uluvo ngoogxa bakhe uqinisekisa i-nikolai shitov kwi "Mfazwe yeZixeko kwidolophu": "Sigxila ekusebenzeni kwe-jikelele, ngokwe-Inshurensi yesihloko esisasazwa kumazwe amaninzi."
Ukurejista itayitile ye-Inshurensi ethengisiweyo, umboleki we-inshurensi kufuneka aphendule imibuzo malunga nombuzo wexesha elidlulileyo kunye nendlu yangoku / indlu kunye nabanini-zangaphambili, kunye nokubonelela ngamaxwebhu aqinisekisiweyo olulo lwazi. Ukuba izindlu zithengwa kwiQumrhu Elisemthethweni, kufuneka ukuba zihlangane kwaye zinike ulwazi ngaye.
Imeko ye-inshurensi, njengommiselo, ilahleko yobunini be-inshurensi kwipropathi ye-inshurensi ngenxa yesigqibo senkundla singene kumandla osemthethweni, othintela ubunini be-inshurensi yonke okanye kwinxalenye. I-AB Ezinye iinkampani zeinshurensi Uluhlu lweenkampani zeinshurensi zihambelana ngakumbi: Ukulondolozwa kwamalungelo okusetyenziswa kwabanini be-inshurensi ye-inshurensi ye-inshurensi ye-inshurensi (izithintelo) zobunini be I-inshurensi ngaphandle kwemvume yomzuzi (umboleko, oko kukuthi, ibhanki ikhuphe imali mboleko). I-Igor farming i-Sourty, inokwenzeka kumazwe aphumeleleyo kwindlu kunye nolwaphula umthetho, "utshilo, I-Sadovsky evela kwi-delticredit yebhanki.
Ixabiso le-inshurensi
Iindleko zeinshurensi kwityala ngalinye lixhomekeke kwizinto ezahlukeneyo. "I-Inshurensi eDityanisiweyo esele ibonelela nge-inshurensi kwimigaqo-nkqubo nganye, icacisa i-valery ermhaz." Kwinkampani yethu ye-inshurensi yobomi, ipropathi kunye nesihloko se-inshurensi. Siza kuba ne Unyaka igalelo le-inshurensi kangangeminyaka engama-30 eyinkumbulo phantsi kwemali yemali eyi- $ 50,000 iminyaka eli-10 iya kuba yi- $ 445, yeyokuBonelela kwi-Inshurensi. "(kule meko, Imvumelwano yeinshurensi igqityiwe lonke ixesha lokufumana imali mboleko, kwaye sithetha ngemirhumo yeminyaka efanayo.).
Ukuba ikhontrakthi yeinshurensi ye-inshurensi yonyaka, kwaye ke kuso ixesha elide, ubukhulu bePremiyamu ye-inshurensi ihlala malunga ne-1.5% yetyala lemali mboleko, inyuke nge-10%, ngoNyaka (!). La manani aza kubonakala njani njengesixa semali mboleko ye- $ 50,000 phantsi kwethuba leminyaka eli-10? Okokuqala ngqa, kuya kuba yimfuneko ukuhlawula i-825 yeedola, i-743 yeedola, emva kweedola ezingama-678, ukuya kuthi ga kwi-83 yeedola- $ 83, ukuba umntu obolekayo uya kuyibuyisela kwimali mboleko ngexesha. Bonke baya kuhlawula i-454 ngonyaka. Ke, phantsi kwemigaqo eyahlukileyo yokugqitywa kwezivumelwano, inani lilonke leentlawulo zeinshurensi liya kuba malunga ne. Ziya kwahluka kuphela ngokobukhulu kwiminyaka eyahlukeneyo.
Imali mboleko yokubolekayo ingenasiphango. Ingaba i-wizard yezinto ezahlukeneyo inokubuyiselwa kwakhona. Ngokuqinisekileyo i-IMA iya kuqhubeka incoko yelinye lawona maphephandaba ekufutshane.
Abahleli enkosi "VNeshtorgbank", "i-raiffeisenbank Apring yase-", "i-Inforbiisenbacredit", "uSobgosstresit", "uSosno", "imvume" yokunceda Ukulungiswa kwezinto.