Umshuwalense wezindlu uhambelana nanamuhla. Ake sixoxe ngezinqubomgomo zomshuwalense kanye namacala lapho kwenziwa isinxephezelo noma esingenziwanga.
Ngabe indlu yakho nezinto ezikulo zitholakala? Impendulo eyakhayo manje isengokwebala izakhamuzi eziningi zezwe lethu. Amazwe athuthukile e-AB athuthuke azwakala ngendlela exakile yini umbuzo onjalo: EYurophu nase-United States, noma iyiphi impahla enyakaziswayo futhi engashukumiseki inomshuwalense, futhi inentengo evame kakhulu.
Ngo-2004 Umagazini wethu wabhekana nesihloko somshuwalense wezindlu kabili. Esihlokweni Esiku-Adch "kude, ukukhathazeka!" Kube nenkulumo ngezinto nezikhonzi zomshuwalense, ubungozi bomshwalense kanye namacala, izibalo nemiklomelo, isichazamazwi samagama salethwa. Esikhathini esihlokweni esithi "Abaqashi abanomthwalo wemfanelo" kakhulu "Sikhulume ngokunokwenzeka kanye nama-nuances omshuwalense wesikweletu ngesikhathi sokuhlelwa kabusha kanye nokuvuselelwa kabusha, kanye nokusebenza kwezindlu.
Namuhla sizochaza ngemininingwane eminingi mayelana nomshuwalense wamakamelo: sihlukanisa izinhlelo zomshuwalense zezinkampani ezahlukahlukene, ukuxazulula, kusuka kulokho izingozi okufanele zibekwe ngaphansi kwalokhu noma leyo mpahla, futhi futhi Cabanga ngamacala ashubile akwenziwe noma awakhokhwa.
UDmitry Maslov, inhloko yesikhungo Somshuwalense Wempahla, i-PhICE-UMongameli weRosgosSTrakh Company:
"Ukusongelwa ngamafulethi nezinto ezisekuqaleni kungaba yikuhluke kakhulu: ukweba, izikhukhula, umlilo. Isengozini yempahla yasekhaya, nakanjani ubungozi obujwayelekile Ukwebiwa, futhi uma mayelana nokufaka ukulimala kwamanzi kwangaphakathi kuqeda noma ngenxa yomlilo. Izinsizakalo zivame ukubukela phansi umshuwalense wesikweletu sabo sabantu besithathu. Uma iklayenti lifaka umthwalo walo wezezimali komakhelwane ( Isibonelo, esimweni samapayipi aphelelwe amanzi alindelekile). "
USergey Stepanov, inhloko yoMnyango Wezemithizo Yomshuwalense Wempahla "Imvume":
"I-Real Estate yayo ifuna ukuvikela bobabili abanikazi efulethini ezakhiweni ezintsha kanye nabaqashi bezindlu ezindala. Kepha ifulethi ngalinye linezingozi zalo. Izakhamizi zezakhiwo ezintsha zibaluleke kakhulu ekuqinisekiseni indawo eyakhayo (efulethini ngokugcwele), okungukuthi, izindonga ngqo. Ngemuva kwakho konke, indlu isazohlala. Abanye abaqashi benza ukulungisa, imvamisa ngaphandle kokubuka imithetho futhi basuse umshuwalense obaluleke kakhulu wendlu efulethini, okuyinto Ezinkampanini eziningi zifakwe ohlelweni lomshuwalense ojwayelekile lwamafulethi. Abanikazi bezindlu ezindlini ezindala, lapho kufakwa khona amanzi aqinile nama-wiring, kufanelekile ukunaka ubungozi be-bay nomlilo. Ngaphezu kwalokho, umniniyo kufanele aziwa ngokuthi usayizi wento yomshuwalense, kanye nokukhethwa kwezingozi kuncike kakhulu esimweni sendlu lapho efulekwe khona umshwalense. Imibandela yokusebenza kwayo ibalulekile: Umnikazi uhlala kuwona noma unikezela, kukhona I-LI Fire ne-Alarm yezokuphepha.D. Uma udlulela endlini, esevele yakhiwe eminyakeni eyisithupha edlule futhi azikho izinto eziyingozi eziseduze kwayo, njengezokwakha noma ze-airfield, khona-ke kungenzeka ungabukeli phansi ukuphela. Kepha, ngokuhlangenwe nakho kwethu, noma yiziphi izingozi kungenzeka. "
I-Artem Spark, inhloko yoMnyango Wezemithile Umshuwalense Wempahla Yabantu beNkampani ROSNO:
"Njengamanje isidingo esikhula samafulethi omshuwalense. Abanikazi bafuna ukuvikela impahla yabo engasuki futhi bathathe impahla yombambo, umuntu onqume ukuqinisekisa iphakethe lakhe ngokuvamile akhethe iphakethe, kufaka phakathi ubungozi obufanele kakhulu- Umlilo, i-Bay, izenzo zakwamanye amazwe zabantu besithathu nobungozi obubangela ukumamatheka okuthile, njengokuwa kwezindiza nezinhlekelele zemvelo. I-Avtota kufanele ikhunjulwe ukuwa kwendiza ebuhlungu eSoutheast Asia. "
Izinhlelo Zomshuwalense Wezentengiselwano
Ezinkampanini ezahlukene, zinamagama angalingani, kepha empeleni izinhlelo eziningi ziyafana. Ake sizame ukuhlaziya iziphakamiso zabashushi. Zonke izinhlelo zomshuwalense (noma, njengoba ochwepheshe bathi, imikhiqizo yomshuwalense) ingahlukaniswa ngamaqembu amabili aphambili. Imikhiqizo yokuqala yakudala, eveza okwesibili. Umehluko wabo osisekelo oyisisekelo uqukethe izinga lokuzibonela: cishe okufanayo njengokuqonda phakathi kwawo, yithi, ifenisha yombhali neyombhalo noma umdwebi wezinhlungu kanye ne-poster.Umshuwalense weClassical uhlinzeka ngendlela yomuntu ngamunye eklayenti nempahla yayo: ukuhlolwa kwendawo yomshuwalense ngummeleli wenkampani, ehlola inani lesakhiwo somshuwalense, ukukhethwa kokusungulwa okuningana kwezinto zomshuwalense , amathuba okwenza izinguquko kwinkontileka ngesikhathi senkontileka yomshuwalense, njll. Lezi zinsizakalo eziyinkimbinkimbi, kodwa, zenzelwe abahlinzeki bezinqubomgomo ezivikelekile ezibonakele ngendlela efanele futhi bakulungele ukukhokhela imali.
Ngokuphambene nalokho, umshuwalense wokubonisa uhlukile kakhulu izindleko eziphansi. Idizayini efanayo ithatha okungenani isikhathi. Amacala abi kakhulu aze afike ehhovisi lenkampani yomshuwalense, inqubomgomo eqediwe izokunikeza ukuthi usebenze noma ekhaya. Ubukhulu obuncane be-premium yomshuwalense kanye nokuntuleka kwezinqubo zokuhlola impahla kanye nezinqubo zokuhlola impahla kuchazwa ngumqondo ojwayelekile walolu hlobo lomshuwalense: Wonke amakhasimende asetshenziswa indlela efanayo. Manje, le mikhiqizo yomshuwalense (imvamisa ehlanganisiwe) ilula kakhulu, futhi ubungozi bomshuwalense obuhilelekile kubo bujwayelekile.
Ubukhulu be-premium yomshuwalense kuncike kusethi yezici ezahlukahlukene. I-ANanataaris - ngenani lendawo enomshuwalense kanye nobukhulu bemali ekhokhwayo, esungulwe ngaphansi kwale nto yomshuwalense enkampanini ethile. Izindleko zeNqubomgomo zibalwa njengomsebenzi wenani lomshuwalense (ummeleli wenkampani kumshuwalense wakudala noma iklayenti elimenyezelwe yikhasimende ngokwakhe lapho uthenga inqubomgomo ye-Express) kanye nomshuwalense.
Ngakho-ke, izinhlelo zomshuwalense we-classical zihlinzeka ngethuba lokukhetha into yomshuwalense. Okokuhlala, lokhu kuyizindlu uqobo (okungukuthi, izinto zayo zesakhiwo), impahla yayo yokuqeda nokushukumisayo etholakala ngaphakathi.
Eyakhayo ("ibhokisi") . Le nto yomshuwalense ifanelekile kakhulu abanikazi befulethi abanezikhala zokhuni / ezixubile, kanye nezindlu ezifuywayo. Ngomlilo obucayi, uyathanda, njengomthetho, hhayi isitezi esisodwa, futhi kulokhu kuqhuma kwegesi yezindlu kukhona ukubhujiswa okuphelele kwesakhiwo. Le ngozi iyadingeka futhi ezakhiweni ezintsha, ngoba isakhiwo ngasinye sivame ukudingeka unyaka, noma ngisho iminyaka eminingana kwi-shrinkage, njll. Ukuthwala izakhi zamafulethi ngenxa yalezi zinqubo zemvelo noma iphutha labakhi bemvelo bangase bahlupheke. Ingozi Ejwayelekile Ebekwe Kwezinto Zokwakheka Kwefulethi Imvamisa ibheka indlela njengaseNkampani "Rosno" (uhlelo "Megapolis"):
umlilo;
Ukuqhuma kwegesi;
Isiteleka sombani;
Ukuwa indiza.
Ukuvalwa komshuwalense okuphelele kule nkampani kufaka ubungozi obunjalo (ngaphezu kohlu):
izenzo ezingekho emthethweni zabantu besithathu (kufaka phakathi izenzo ezingakhathali zabantu besithathu);
bay (uketshezi);
inhlekelele.
Inani lomshuwalense lokwakheka linqunywa ngesisekelo senani lemakethe yefulethi ngokuya ngendawo, it.p. Lapho kwenzeka umcimbi womshuwalense, umnikazi wefulethi kufanele akwazi ukuthola ifulethi elifanayo. Izindleko zeNqubomgomo, noma kunalokho, amanani omshuwalense wesambozo somshuwalense oyisisekelo nesiphelele, ngokweqiniso, ahlukile. Isibonelo, kulokhu, bakha u-0.15 no-0.25% wesamba somshuwalense.
Pheza . Umuntu ngamunye ojwayelekile uthanda ukuhlala kwakhe futhi njengoba nje izindlela zizama ukumnakekela. Sibeka umphefumulo emhlobisweni wezindonga, ubulili nophahla, thenga ipulayi elisha, shintsha amawindi neminyango, amakholoni engilazi. Konke esikwenzile efulethini kungena emcabangweni wokuthi "Ukuqeda" (ezinkampanini eziningi, into yomshuwalense ibizwa- "Ukuqeda kanye Nemishini").
Noma yini eyenzeka ngezindlu, isiqephu sihlala sihlupheka, ngakho-ke sizodinga ukutshala imali ngokulungiswa futhi. Ungathola ukubuyiselwa okwanele emcimbini womshuwalense kuphela uma ekuqaleni, esigabeni sokubhaliswa kwenkontileka, ikhwalithi kanye nezindleko zokuqeda efulethini zihlolwe kahle umshuwalense noma ochwepheshe abazimele (okuthi, ngokufanele , kuboniswe ngenani lemali yomshuwalense kanye nezindleko zenqubomgomo). Yisiphi uhlelo lokuhlukanisa esigabeni sokuhlobisa kwezangaphakathi olusetshenziswayo kulolu phephandaba inkampani iRosgosSTrakh: ejwayelekile, ethuthukisiwe kanye ne-euro-ukugaya. Okubonakalayo, nakho, kuhlukaniswe yaba yi-Eurostandard ethuthukisiwe, i-Eurostandard kanye ne-Eurostandard ebelula. Imvamisa, ukuqedwa akuvikeleki ngokwako, kepha kanye nempahla eyakhayo noma eqhutshwayo. Izingozi, ezifanele lapho zithambisa ukuqeda, zimayelana nokufana nokuthi zithola "ibhokisi" lefulethi: umlilo, ichibi, ukuqhuma kukagesi .p.
Impahla eshukumisayo . Ukukhetha le nto yomshuwalense, kuyadingeka ukuqonda ukuthi izinto nezinto ezifakiwe ku-yokusungula (futhi kuyingxenye ebalulekile yenkontileka yomshuwalense), ashubile kuphela ngaphakathi kwaleli gumbi. Iphuzu elihambisanayo kwinkontileka likhonjiswa ngekheli eliqondile lefulethi, livame ukubizwa ngokuthi "Insimu Yomshwalense" futhi likhuluma ngalokhu. Ubungozi obufanele kakhulu bempahla eshukumisayo - ubugebengu obuhlukahlukene. Isibonelo, esivumelwaneni esijwayelekile esiphetha namakhasimende enkampanini "ISango Elincane Lezingozi Zomshuwalense lichazwe ngokusemthethweni: Ukwebiwa (kufaka phakathi ukweba, ukweba okungekho emthethweni kwabantu besithathu (Hooliganism) .
Ukubuyiselwa kwemali ekuveleni komcimbi womshuwalense kulezi zingozi zenkampani kukhokhwa kuphela ngesisekelo semibhalo ekusungulweni kwecala lobugebengu yileli qiniso noma ukwenqaba ukuqala icala lobugebengu.
Vele, ukushukumisa impahla eshukumisayo akupheleli kuphela ngezenzo zobugebengu kuphela, kepha futhi kusuka kwezinye izingozi eziningi: imililo, ama-bays, izinhlekelele zemvelo, ukulimala kwemishini, njll., Kanye nephakethe lengozi ephelele. Awusoze wabikezela ukuthi kuzokwenzekani efulethini nasezintweni ezizayo.
Inqubomgomo Ephelele Yomshuwalense Wezamafulethi (Umshuwalense we-Express) . Kulula ukuwahlela, kepha akubizi. Imvamisa lonke ifulethi liba yinto yomshuwalense: Into eyakhayo, eqeda, eshukumisayo. Imvamisa, isikweletu sesine somphakathi ekusebenzeni kwezindlu sibuye singezwe kulawa maphuzu amathathu. Ungakhetha inketho efanelekile ngokususelwa kunani elilinganisiwe lempahla yakho futhi okusho ukuthi imiphumela yemiphumela yenqubomgomo yomshuwalense. Ngaphezu kwalokho, eyokugcina izoba ngaphansi kunomshuwalense wakudala (empeleni, ekushisekeni okuhlobene uqobo futhi inzuzo eyinhloko yanoma yimuphi umkhiqizo womshuwalense ohlanganisiwe). Ukonga kungafinyelela kuma-50-70%.
Vele, ubungozi kanye nenani lomshuwalense eliphakeme lento ngayinye yomshuwalense lilinganiselwe. Kepha uhla lwezinketho kunoma yiliphi icala lubanzi. Isibonelo, inqubomgomo ye- "RGS-Express Apartment" yenkampani yeRosgossTrakh yize ingeyemikhiqizo ye- "Fast", noma kunjalo ihlinzekela amathuba okukhetha kusuka ku-11 ahleliwe (!) Izinketho zomshuwalense ezihlanganisiwe. I-Yipri Lo mshuwalense kudonswa emizuzwini embalwa, ngaphandle kwesitatimende esibhaliwe seklayenti, ngaphandle kokuhlola into yomshuwalense futhi ngaphandle kokulungiswa kwempahla yangaphakathi neyasekhaya. Futhi, ake sithi, uhlelo lwe-Alfasiti Universal lwenkampani ye-Alfactor luhlanganisa iqoqo lomshuwalense, liqhathaniswa nengxenye enomshuwalense wakudala.
Izintela zomshuwalense wefektri eziyisisekelo
(ngo-% we-sum insured)
| Into yomshuwalense / inkampani | Efulethini ngaphandle komhlobiso (ukwakha. Izinto) | Pheza | Impahla eshukumisayo |
|---|---|---|---|
| Rosgosstrakhh | Kusuka ku-0.18 * | Kusuka ku-0.4 * | Kusuka ku-0.5 * |
| I- "Alfastrakhovanie" | 0.135-0.25 ** / 0.2 *** | 0.6 *** | 0.25-0.4 **** / 0.85 *** |
| "Rosno" | 0.15-0.25 | I-0.4-0.6 | 0.55-0.75 |
| "Indawo Ejwayelekile" | 0.22-0.54 | 0.37-1.25 | 0.3-1,66 |
| Isango le-Spassky | 0.2-0.45 | 0.9-1,4,4 | 0.8-2.0 |
| "Imvume" | 0.2-0.35 | 0.4-0.9 | 0.4-0.9 |
| "UMax" | 0.38-0.75 | 0.2-0.78 | 0.2-0.9 |
| * - I-RosgossTrakh Company inenethiwekhi ethuthukisiwe yamahhovisi; Amanani aphezulu wentela yomshuwalense ezifundeni ezahlukahlukene ahlukaniswa; ** - Ndawonye ngomhlobiso ezinhlelweni zomshuwalense eziphelele; *** - ezinhlelweni zomshuwalense we-classical; **** - Ezinhlelweni zomshuwalense eziphelele |
Usayizi weprimiyamu yomshuwalense (umnikelo) kuya ngobuningi bezinto ezahlukahlukene. I-ANanataaris - ngenani lendawo enomshuwalense kanye nobukhulu bemali ekhokhwayo, esungulwe ngaphansi kwale nto yomshuwalense enkampanini ethile. Izindleko zeNqubomgomo zibalwa njengomsebenzi wenani lomshuwalense (ummeleli wenkampani kumshuwalense wakudala noma iklayenti elimenyezelwe yikhasimende ngokwakhe lapho uthenga inqubomgomo ye-Express) kanye nomshuwalense. U-Aon, naye, unqunywe ngokuya ngezimo eziningi lapho umshuwalense wenziwa khona. Ngokusho kwe-Artem's Spark, inhloko yoMnyango Wezemithile Umshuwalense Wezakhiwo zeNkampani "ROSNO", lapho kubalwa intela ngayinye, kusetshenziswa ama-coeffices aphansi futhi andayo (okungukuthi, intela iphindaphindwe yileli bukhulu). Inkampani ngayinye ithuthukisa indlela yayo yokuthola amanani entela yomshuwalense, ngenxa yokuthi lokhu okulandelayo kungahluka ngo-5-10% ohlangothini lokuncipha (i-alamu yomlilo, amalayini asomnyango wensimbi, umnyango wensimbi, inkonzo nenkonzo yensimbi yangaphakathi Izindaba IT.) Noma ekuqondisweni kokukhulisa (phansi kokhuni, igesi, unyaka wokwakha, ukuba khona kwe-sauna ye- ya.p.).
Umshuwalense Okhethayo
Izakhamizi zaseMoscow zingcono kunezinye izakhamizi zezwe lethu zijwayelana nesihloko sezinto zanamuhla. Kukhishwe kusukela ngo-1996. Kukhona uhlelo lomshuwalense okhethayo lwamafulethi, hhayi umthwalo omkhulu kakhulu ezikhwameni zezakhamizi futhi ngasikhathi sinye elula ukuqonda. Omasipala baseMoscow kanye nezinkampani zemishwalense eziningana, kufaka phakathi amasango we-Spasskit kanye noMax, babambe iqhaza ndawonye.
"AmaSulumane amaningi avele akhohlwe ukuthi anethuba lokuvikela indawo yokuhlala kwalo ngesilinganiso esincamelayo. Kuyadingeka nje ukukhokha iprimiyamu yomshuwalense yanyanga zonke, idokhumenti yokukhokha eyodwa. Usayizi we I-Insurance Premium ngesikhathi somshuwalense wefulethi ngamagama akhetha kusukela ngoJanuwari 1 2005 ama-kopecks angu-10 noma ama-90 anendawo ephelele ye-1M2 ngenyanga yomshuwalense we-max. - Esimweni sokuqala , Izindleko zomshuwalense ezilinganiselwe (okungukuthi, inani eliphakeme lezinkokhelo zokufa okuphelele) zendawo yokuhlala amakamelo angama-13500rub. "I-17M2 indawo." Imali yomshuwalense ayikwazi ukukhokhwa njalo ngenyanga, kodwa kanye ngonyaka. Kulokhu, inani layo lingu-7.2-10.8 rub. Ku-1m2, futhi umuntu uthola inqubomgomo yomshuwalense.
Umbuthano wabanakho emshuwalense kusuka ngo-2005 Kunwetshwe kakhulu. Manje ilungelo lokuqinisekisa ifulethi lakhe ohlelweni olukhethayo, olungabhaliswanga ekhelini lalesi sikhala esiphilayo. Ezihlotshaniswa nefulethi eliphethwe yidolobha futhi lidluliselwa ekusetshenzisweni ngaphansi kwenkontileka yokuthengiswa kwemali yokukhokha, ngokwesibonelo, emibandela yohlelo lwedolobha "izindlu ezincane ezishibhile"; amafulethi adluliswa yiDolobha Lezikhungo Zokuqasha kanye Amabhizinisi. Ngaphezu kwalokho, umshuwalense wezinto usuphenduke izakhiwo zokuhlala ezindlini ezinokugqoka ngokomzimba ngaphezulu kwama-60%.
Izindleko eziphansi ezinjalo zenqubomgomo yomshuwalense (zingama-ruble angama-30-45 kuphela. Kuphefumulelwe ifulethi elinendawo engama-50m2) limiselwe ukubonga kweziphathimandla zedolobha elikhulu. Kodwa-ke, ubungozi obusethwe lapho kushukunyiswa khona izindlu ezivikelwe. Ukumbozwa komshuwalense kuhlinzekwa uma kwenzeka ingozi yangaphakathi, ukuhlinzekwa kwamanzi, ukufudumeza kanye nezinhlelo zendle; umlilo; Ukuqhuma kwegesi; ukungena kwamanzi ngenxa yezenzo ezisemthethweni ukuqeda umlilo; Umoya Onamandla, Isiphepho, Isiphepho, Squall It.p. Lapho ubhubhisa indlu yomshwalense noma ubona ukuthi ayifanelekela ukuhlala, kunikezwe enye indlu. Inani lesinxephezelo sokulahleka ohlelweni olukhethayo lincane. Imali ekhokhelwe ikuvumela ukuthi ukhokhe kuphela izindleko ezijwayelekile zokulungisa izindlu ezonakele.
Lapho uphetha inkontileka yomshuwalense, kuyadingeka ukucacisa yonke imibandela ehlobene (yiyona ngqo "imibandela yomshuwalense" evame ukubizwa ngesahluko esifanele). Lokhu ngeke kusize ekuchazeni kahle imali ekhokhwayo, kepha futhi ukuvikela ukungavumelani uma kunesidingo sokukhokha isinxephezelo somshuwalense. Ukwenza isibonelo, uma uthatha isinqumo sokugcina izindleko zenqubomgomo futhi ungazange wazise umshuwale umshuwalense endlu yakho (futhi lokhu akuyona into evamile kwizindlu "zeStalisast"), futhi ifulethi lakho lishise umlilo ngokuphelele , Inkampani ingenqaba ukubona iqiniso lento ephelele yokufa futhi, ngenxa yalokho, ungakhokhi inani eliphakeme lesinxephezelo. Umshuwalense uzophikisana nesinqumo sawo ngeqiniso lokuthi ezitezi zokhuni, umlilo unwebisa ngokushesha kunokhonkolo, futhi uzobe ulungile impela.
Ama-coefficients ajwayelekile "ajwayelekile" asetshenziswa ekhona ama-Pres Systems, ama-Lattices kuma-Windows, Metal Doors, kanye nokwanda efulethini endlini eyakhiwe kuze kube ngu-1980, izindonga zokhuni, kanye Amakamelo okuqasha.
Uhlelo lwezaphulelo luye lwakhiwe nezinkampani. Zivame ukuhlinzekwa ngezigaba ezincamelayo zezakhamizi namakhasimende ajwayelekile ekwandisweni kwezinkontileka nokungabikho kwezinkokhelo zomshuwalense wecala lomshuwalense we-One noma eminyakeni eminingana yomshuwalense, obanikazi bezinye izinqubomgomo zenkampani efanayo.p. Izinkampani ezedlulele zinikeza izaphulelo nakumakhasimende amasha. Ukwehla okuphezulu kusuka ku-Base Tariff, kuthathwa izaphulelo ze-akhawunti, kungaba ngu-40%.
Ukukhokhwa kwesinxephezelo
"... Uma kukhulunywa ngomcimbi womshuwalense, abantu abangathi sína bangena kulo mdlalo - abameli kanye nochwepheshe. Ukuqina, amakhono kanye nendlela efanelekile yinto ehlukaniswe yizinkampani ezinhle. Uma sigxile kuphela kulokho okungeyona Ukunikeza isinxephezelo, iklayenti lizosishiya. Ama-Astrakhelsels kumele aqiniseke ukuthi izintshisekelo zabo zizovikeleka, "kusho umshuwalense.
Icala lomshuwalense liwumzuzu weqiniso kwinkampani yomshuwalense kanye nekhasimende layo. Into ebaluleke kakhulu ukuthi umshuwalense kufanele azi, okunqume ukuthola isinxephezelo ngokulahleka kwakhe, - Onke amazwi akhe kufanele aqinisekiswe abhalwe phansi. Akunandaba noma ngabe icala lefreyinti lenzeke efulethini lakhe, kufanele ufakaze ezimweni ezifanele iqiniso lenzekile. E-Bay, kufanele uthinte iZek, Dez It.p. futhi uthole isenzo esifanele, lapho ushaya indiva, ungazami ukuzichaza ngokwakho, kepha qiniseka ukuthi ubangela ukubala komlilo bese uthola isiqinisekiso esibhaliwe sento esenzekile, ukuthola isitifiketi esiteshini se-meteorological (mayelana noma Isivinini somoya sidlula ku-20m / s), ngokweba noma sokuphanga, faka isicelo samaphoyisa, bese uthola idokhumenti ekujabuliseni noma okungajabulisi kuleli qiniso lecala lobugebengu.
Kwesinye isikhathi amakhasimende alinde kakhulu umshuwalense wawo. I-Wet imvamisa isola izinkampani zomshuwalense uqobo, eziheha abantu, ithekuthekayo ipharadesi. "Umane uthenge inqubomgomo, futhi uma sikukhokhela nonke," kusho abenzeli ngomshuwalense kanye pirachics. Uma kukhulunywa ngomcimbi womshuwalense, abantu abangathi bangena kulo mdlalo - abameli kanye nochwepheshe. Umsebenzi wabo oyinhloko ukunciphisa izinkokhelo ezenziwe yinkampani. Kepha, ngakolunye uhlangothi, kubalulekile ukuthi ungakuqedi. "Kunoma iyiphi inkampani yomshuwalense, abameli bayasebenza, okuthi, ngokwemvelo, banesifiso sokuhlolwa komshuwalense, kusho okhulumela inkampani yomshuwalense, uma kuvela izimpikiswano ezizimele, akunamshuwalense Inkampani isebenza ngokwesimiso. "Sihamba ngecala lommese." Ukuqina, amakhono kanye nendlela efanelekile yinto ehlukaniswe yizinkampani ezinhle. Uma sisebenza kuphela ukuthi ngeke usinikeze noma yisiphi isinxephezelo, iklayenti uzosishiya. Abakwa-Astrachians kumele bazethembe eqinisweni lokuthi izintshisekelo zabo zizovikelwa. "
Kubandakanya nathi sifuna ukuletha izibonelo ezimbili ezibonisa inqubo yokuxazulula inkinga yokukhokha isinxephezelo somshuwalense. Umcimbi wokuqala womshuwalense uxazululwa ngemuva kokulahleka. Eyesibili, yize nami ngithathe isikhathi esiningi nezinzwa emzamweni wendlu yezindlu kanye nochwepheshe okhokhelwayo izinkokhelo zomshuwalense, uyakwazi ukuba yimikhuba yalokho okwenzeka kubameli, kepha wonke umuntu wenelisekile ngempilo.
Nasi isibonelo sokuqala. Ubunzima bekuwukusungula isizathu sokuvela komcimbi womshuwalense. Icebo elithi "Standard-Reserve" libhekise abanomshuwalense futhi libikwe ukuthi i-bay yenzeka efulethini lakhe. Ukulahleka okuvela kuyo, ngokuya ngokubalwa kwayo, $ 10,000. Ifulethi litholakala eMoscow, insured $ 200,000 ($ 100,000 Qeda, ifenisha engu- $ 100,000). Uchwepheshe waya ukuhlola indawo yomcimbi futhi wathola ukuthi ipayipi lamapayipi liqhume efulethini ngenxa yengcindezi kulo. Mhlawumbe lokhu kwenzeke ngenxa yokufakwa okungafanele kwepayipi lapho imishini yokufaka amapayipi ithathelwa indawo ngumshuwalense uqobo. Kepha esitezi sefulethi ngenhla ngasikhathi sinye silungisiwe. Kunethuba lokuthi ipayipi livezwe ngomshini (ingcindezi) futhi lokhu kwakuyimbangela yokuphumelela kwayo. Isazi sasithambekele ekutheni bekungumcimbi wesibili oholele ekutheni umcimbi womshuwalense. Uxhase ubuchwepheshe obungeziwe, obukhombisa ukuthi iklayenti lalilungile futhi isizathu somcimbi onomshuwalense kwakuwumphumela wemishini. Inkampani ikhokhe umphenyi ngenani elidingekayo.
Icala lesibili nalo liyaqinisekisa impilo impela. Sisitshele emnyangweni wokukhokha umshuwalense we-alfactory. I-Bay (Ingozi Yezokuhlinzekwa Kwamanzi) yenzeka kaningi kuneminye imicimbi yomshuwalense. Ngasikhathi sinye, hhayi kuphela igumbi, lapho ipayipi ligqekeze khona, kodwa futhi namakamelo atholakala ngezansi, kwesinye isikhathi ngisho nasemnyango ongomakhelwane.
Umnikazi womshuwalense enkampanini yezindlu edluliselwe ukukhokha. Ngesikhathi sokumiswa kwebhethri esitezi efulethini ngenhla kwezisebenzi kwalinyazwa i-riser ngamanzi ashisayo, ngenxa yokuthi igumbi lokuhlala ligcwaliswa. Amaphephadonga amasha asuka ezindongeni, ukuhlukaniswa kwavela ophahleni. Ngemuva kokuthola isenzo seKhomishini ye-HOA (Ubambiswano lwabanikazi bezindlu), i-Alfastrakhovanie ikhokhele ama-ruble angama-29 kwabase-Insured. Emasontweni amathathu kamuva, inkampani enomshuwalense yaphendukela enkampanini enesitatimende esisha: yagcwala i-Corridor nekamelo lokulala. Bonke abanecala bonke babeyizisebenzi ezifanayo. Benze kabusha, okuholele epayipi lamanzi abandayo. Izingxoxo nomnikazi wefulethi phansi ngenhla azizange ziholele kunoma yini. UVinyl kubo bonke abasebenzi, ngendlela, kwakungekho madokhumenti aqinisekisa iziqu zabo. Umakhelwane ngokwakhe akazange athole imvume yokunweba. Umthetho wesibili mayelana nosihlalo we-Bay wezinkinga ze-HOA wenqabile, ubhekisele eqinisweni lokuthi ayifuni ukonakalisa ubuhlobo nabaqashi bendlu yakhe. Ngokuncoma inkampani yomshuwalense, iklayenti linxuse eMoszshilospect yendawo yakhe, eyaqhuba ukuqinisekiswa kokusebenza. Ukuvuselelwa okungekho emthethweni kweVitoga efulethini eliphezulu kwamiswa, futhi uSihlalo we-HOA uthole incwadi engokwakhe futhi wakhipha isenzo esahlanganiswa yiKhomishini ngalo lonke ifomu. Inkampani ye-AlfastraKhovanie yenza ukubala futhi yakhokha amanye ama-ruble ayizinkulungwane eziyi-18, yabe isithumela kumnikazi wefulethi eliphambili ekunxephezelwe ngomonakalo.
Ifulethi elilodwa le-Bedroom livikelwe umshuwalense ku- $ 80,000.
Ingqikithi yendawo - 60m2
Izindleko zempahla
Ifenisha:
Ekhishini- $ 3000.
Igumbi lokuhlala- $ 2500.
Igumbi lokulala- $ 2100.
Ingqikithi yama- $ 7600.
Ubuchwepheshe:
I-TV lg- $ 1000
I-TV Panasonic- $ 300
Isikhungo somculo se- $ 300
I-DVD Player- $ 400
Ingqikithi yama- $ 2000
Inani eliphelele lesakhiwo- $ 9600
Izindleko zokuqeda
I-Parquet Phansi- $ 1,500
Izindonga, uphahla- $ 15000
Ingqikithi yama- $ 16,500
1. Ukubalwa kwezindleko zenqubomgomo yomshuwalense wezinto ezakhayo zefulethi kusuka emathonyeni angaphandle isikhathi sonyaka owodwa:
$ 80000 0.2% = $ 160;
$ 80000 0.35% = $ 280,
lapho ama- $ 800,000 inani lemakethe lefulethi; I-0.2 no-0.35 ngamanani amancane aphezulu futhi aphezulu (okuncike ezimweni zomshuwalense).
2. Ukubalwa kwenani lenqubomgomo yomshuwalense yomhlobiso wangaphakathi wefulethi kanye nempahla eshukumisayo etholakala kuyo ukuze kube nengcupheko ephelele yephakethe yonyaka owodwa:
$ 16,500 + $ 9600 = $ 26,100;
$ 26,100 0.4% = $ 104;
$ 26,100 0.9% = $ 235,
lapho ama- $ 16,500 yizindleko zokuqeda ifulethi, ama- $ 9600- izindleko zempahla eshukumisayo; I-0.4 ne-0.9- ubuncane kanye namanani aphezulu wentela.
Lesi sibalo sanikezwa uSergey Stepanov, inhloko yoMnyango Wezemithile Umshuwalense Wezakhiwo.
Abahleli babonga iRosgossTrakhh, i-Alfastrakhovanie, "Rosno", "Vumela", "I-Standard-Reserve", "I-Spasskit Gate", "Max" ukuze kulungiswe izinto ezibonakalayo.