How kudzorera inishuwarenzi pashure kuripwa chikwereti? Return inishuwarenzi: mazano, zano

Kana vatengi kuwana mubhengi chikwereti, vanopa atore inishuwarenzi. Basa kunoderedza ngozi vasiri nokuripira mari. Uye zvinoshanda pamwe chikwereti uye mutengi zvikwereti. Kana chinhu insured chiitiko kunoitika, kambani yacho inishuwarenzi Transfers mari kubhengi. Ukama izvi dzinotungamirirwa chibvumirano, iro chinyatsotsanangurwa kodzero uye mitoro vemapato.

Asi Vatengi vakawanda kubhadhara zvikwereti mberi nguva, nekuti icho inishuwarenzi chinodiwa panobviswa. Havasi vose anoziva sei kuti inishuwarenzi pamusoro chikwereti. nzira iyi ine zvimwe zvinhu kuti iwe unofanira kufunga zvose vatengi ose mabhanga.

nyaya

Muna 2009 Presidium Supreme kuyananisa Court akabvumirwa nomurayiro, maererano iyo kubhangi kupomera pakati zviyero dzinotyora kodzero vatengi. Kwemakore anoverengeka kwave kuongorora nyaya iri kudzoka zvisiri pamutemo akabhadhara mari. Banks, kwakasarudzwa kudzima makomisheni, izvo vaionekwa mari inokosha.

Nokufamba kwenguva, ikawanda prices nokuti urongwa mari nechikwereti. Pandakamuka kubva Federal Mutemo "On nevatengi chikwereti", dambudziko idzva - the nokuiswa inishuwarenzi kana achiisa mari nechikwereti. Vatengi vakawanda vakatanga kushandisa kuti kana kukundikana zvikwereti basa havasi rakapa. The zvakawanda nokuti mutengo inishuwarenzi zvakakwirira zvakakwana, uye refunds zvinogona kuitwa kuti chibvumirano neimwe.

Izvi zvichawedzera Commission, uye vatengi haazivi kodzero dzavo. Nokuda kutya kukundikana kuwana chikwereti vanhu kuti kubuda inishuwarenzi. Kunyange kana chibvumirano yave Akagumisa, zvinokosha kuziva sei kuwana inishuwarenzi pamusoro chikwereti.

Ndiani kunodiwa?

Kudiwa inishuwarenzi uchiripo. Banks vari kupa mari shure mumamiriro ezvinhu akasiyana. Kana chinhu insured chiitiko kunoitika, kambani yacho inishuwarenzi Transfers mari kubhengi. Kana mari akapfuudza pakuenzanisa chikwereti, mari inobhadharwa kuti nechikwereti. Nokusava mari kubhangi achakuchengeterai mari kubva mutengi.

Kazhinji akaita muupenyu inishuwarenzi, inishuwarenzi utano. basa iri inowaniswa pfuma kudzivirira nematambudziko zvinhu. Ivo ushandiswe mune zvibvumirano. Munguva inishuwarenzi Kana nemhosva vanofanira kuzivisa kambani yacho inishuwarenzi kuti muripo akapiwa. A kudzoswa inishuwarenzi riri kuitwa chaiwo mitemo, pashure kuripwa chikwereti.

Types mitemo inishuwarenzi

The inishuwarenzi inopa muripo kuti kukuvadza kana rufu of nemhosva kana kugamuchira kukuvara, nokuda izvo pane nezvinetso Implementation ari kuitwa. Basa chinonyanya akatekeshera ari rwezvemabhengi zvekutepfenyura. Apo rufu kana kukuvadzwa kuti insurer unoripa kubhengi nengaidzo pamusoro chikwereti, uye munhu anoyamurika ndiyo kubhengi.

Rumwe rudzi inishuwarenzi chezvawanyora inishuwarenzi pfuma. Zvinonzi vaiona fanira kuti chikwereti kana kutenga motokari nechikwereti. Kana chisipo, kukuvara, kuvadza vawana pfuma, iyo insurer unoripa chitsama chikwereti. Ndiko, pasi pemurairo, inishuwarenzi, furati moto, bays vaiona madikanwa. Asi kusarudza kana inishuwarenzi kana rufu uye zvoutano, mutengi anozvisarudzira. Pakadaro, mutemo kudivi rake.

chibatiso Features

By mutemo razhdane havasungirwi kugumisa inishuwarenzi. Zvakaratidza kuti kubhangi havagoni kumanikidza basa kunyoresa kuti madikanwa, asi murairo unoti kuti hapana upenyu inishuwarenzi, zvikwereti zvisina rakapa. Izvi zvinoshanda munhu chikwereti uye motokari chikwereti. Kana gwaro iri rakapa, kubhadhara zvaive ichi-, zvino mubvunzo unomuka, sei kuwana inishuwarenzi pamusoro nevatengi nechikwereti?

Munhu anoyamurika iyi nyaya iri kuonekwa mubhengi. Asi, sezvo isu makati, kana paiva kuripwa izere chikwereti, asi nemhosva anogona ngaateme kuti dzosera. Bank recalculated uye kuchinjwa mari. The insurer anogona mubayiro. saizi yayo Proportional kuti kururama kwemashoko gwaro.

Kana zvakanga mangwanani mutsividzo ari chikwereti, kana zvichibvira kudzokera inishuwarenzi? Hongu, pane ichi zvazvingava, zvinoita dzosera. Asi kana chikwereti iri kubhadharwa ari wakakodzera musi, mugodzoka mari haazotsauki.

nzira inishuwarenzi neimwe nyaya yakasiyana. Zvose zviri pakutsvaga chikwereti maonero. Zvinogona Mutengi uye mogeji. Muchiitiko chokutanga, kuti nemhosva upenyu inishuwarenzi, uye yechipiri - pfuma.

kuchengetedza mikana

Vazhinji bhangi vatengi vanogona kunzwa kuti vakaita kwakaitwa chikwereti inishuwarenzi yacho. How kuti musana wake? Kutaura zvazviri, mutengi anogona chete kuti kubuda nokuzvidira. Kana ichi chakaitika, mutengo basa haafaniri vanobatanidzwa chikwereti nokuti mari achaita -bereka mubereko.

Pashure mutsividzo of dzosera chikwereti inishuwarenzi nomutemo. The nemhosva vanofanira kushandisa waongororwa pamahombekombe. Zvinofanira kurangarirwa kuti mari zvisina Kutamiswa zvaitika. Chete anyora chikumbiro, wedzerai makopi magwaro uye chisarudzo akaita mari.

A chinodiwa kuti kuchinjwa mari ndiwo mutsara. Kudzoka Sberbank chikwereti inishuwarenzi inogona kuva nyaya kana nemhosva ine chirwere apo hamugoni kusaina magwaro. The pamazita kunze iri kondirakiti. Asi pamberi vakasaina musapfuura mishonga bvunzo, uye nemhosva arege kuzivikanwa kunze, saka waanoripira mabasa. Muzviitiko zvakadaro zvakakodzera kushandisa kuti recalculation uye mari. Asi kana iri nemhosva achapiwa haina zvakazara averenge uye 87%, rinowanikwa sezvo mutero - 13%.

Insurance Sberbank

ndiko kuti kudzoka inishuwarenzi pashure pamuripo mbiri muna mumari Bank? Mutengi anekodzero vanoramba kubatanidzwa purogiramu chikwereti. Kuti aite izvi, zvakare, tinofanira kuva mukati mwedzi nyaya dzemapepa kushandisa kuhofisi uye kunyora mashoko.

Asi kana kudzokera zvichiita inishuwarenzi pashure kuripwa chikwereti, kana zvakatora inoverengeka? Hongu, asi zvino mutengi tichaverengerwa icho pamwe mari, mambure mari nemitero iri kunyoresa. Izvi vanenge 50% of yokutanga yakavamba. Unogona kudzokera uye chikamu shoma kana chikwereti iri akaripira zvakakwana uye mberi purogiramu.

Usati kumudzorera inishuwarenzi pamusoro mutengi nechikwereti, zvinokosha kuti mashoko ari nouya. Panyaya iyi, kuti nemhosva makopi akaisa mucherechedzo pamwe musi vanyorwa gwaro.

mogeji

ndiko kuti kudzoka inishuwarenzi pashure zvikwereti zvemba? The pawn anoonekwa runovimbisa rokuzadza kukuvara pashure kugumiswa mitoro. Kugumiswa gwaro iri pasina mubhadharo pamusoro chikwereti hazvibviri.

Asi pane dzosera muzviitiko apo chikwereti iri akaripa pachine, uye inishuwarenzi - nokuti nguva yose. Unofanira kuonana kambani inishuwarenzi ugozvipa magwaro anotevera:

• chikumbiro;
• pasipoti;
• chibvumirano;
• chitupa chikwereti nokuripira.

Zvadaro tine recalculation, ipapo vakasara iri hwakatamisirwa nemhosva.

inishuwarenzi kudzokera misimboti

Inodzora nyaya dzakadaro mutemo pamusoro kudzoka inishuwarenzi pashure kuripwa chikwereti. Pane 2 nzira kugadzirisa dambudziko iri. Chokutanga pre-kutongwa ugari. Kana kudzima zvikwereti, kudzoka mari inishuwarenzi ndeyokushandisa kambani iri paaivatambudza nepurani. Hazvifaniri anoshanda Bank. Tsika zvemari runoonekwa kuva murevereri. Nokuti kukwezva vatengi itsva akabhadhara kufarira.

Pashure mutsividzo of chikwereti inishuwarenzi dzosera riri kuitwa kambani inishuwarenzi. The yeGmail.END_STRONG unyore nemashoko nouya, pashure yavakanga akanyorwa. Kana boka iri kure kure, unogona achitumira vakanyorwa tsamba. Mugwaro racho zvakafanira kuratidza nguva iyo zvichatsvakwa kupindura. Panguva iyoyo zvakafanira arayire mushoma kubva pachake nhoroondo, apo akaratidza sei kuparadzira mari.

Uye kana pakanga pasina mhinduro?

Kana pasina mhinduro iri kugamuchira, zvinokosha kushandisa kuti Federal Service. In sangano ichi zvakafanira kutuma tsamba, achichipa kopi mashoko, uwandu, ziviso okutambirwa chetsamba. Kana asina kugamuchira mhinduro, unofanira kuenda kudare.

Kutongwa agare kwemwedzi. Kana nyaya mutengo zviri 50 000 rubles, mubato vanofanira kuva wedzimhosva raMwari Court. Pamwe kushandiswa zvakafanira kuzviisa pasi chibvumirano, zvikwereti zvemba, chibvumirano inishuwarenzi, kutsunga chitsama kutaura, mashoko kuti kambani yacho inishuwarenzi, romukova ziviso apindure. Zvakakodzera ngaaverenge chitsama kutaura. Zviri pazasi pamutemo mari. Unogona kuedza kusimuka kuburikidza kumatare, asi haugari kubatsira. Mafomu vanogamuchirwa kwemakore matatu.

Kana vashandi kubhangi kuti vanofanira kubva inishuwarenzi pamusoro nevatengi nechikwereti, vanofanira dzinotakura. Kazhinji ndiwo chirongwa pamwe yepamusoro mubereko uye kubatana zviri SMS-ziviso.

Dzokera pasi chibvumirano ano

Kuti dzosera, kutanga vakashumira pre-kutongwa kutaura sangano zvemari. Zvinokurudzirwa kushandisa nyanzvi basa rimwe gweta. Kwete paya pane 10 Mazuva kubva kutambira kubhengi kutaura akapa mhinduro. In richiswedera vakasimudza vanoti zvakakosha kuverenga zvose zvinyorwa pamusoro chikwereti.

Kana mubhengi akapiwa mhinduro kunaka, zvinokosha kuti mashoko kudare. nzira iyi nani kuronzesa gweta. Kuwedzera dare, zvinokosha kushandisa kuti Federal Service. Anogona kuva 2 mhando chiito: mumwe munhu akanyorera anofanira kuvapo muruvazhe, ukuwo vamwe - hakufaniri kuva. Dare zvinotora anenge 3-8 mavhiki kubva musi pasi chikumbiro.

Bank policyholder

In zano iri, pane kambani yeinishuwarenzi. Zvakaratidza kuti zviga Civil Code hadzingoshandi zvibvumirano zvakadaro. Kana chikwereti kwave kubhadharwa, inishuwarenzi hakuzodzoki.

Dzakanyorwa sangano zvemari iri shoma mari mimwe mabasa. Inogona kudzokera kuti mangwanani nokuripira. Muchiitiko chino, mubhengi anogona kubhadhara chikamu mari kuponesa mukurumbira wake.

Features

Sezvo proizovditsya pashure kuripwa chikwereti inishuwarenzi dzosera? Hazvina Zvakakodzera vakazvimirira kuita panyaya iyi - zviri nani kuenda magweta. Kazhinji ichi kusanganisira zvinotaurwa. Saka, zvinokosha kuti kutarisa akashandiswa gwaro iri chikwereti, iyo chokuita inishuwarenzi. The chibvumirano zvinoreva kuti chinoshanda kuti nguva yose kushandisa mari. Zvakaratidza kuti kana chikwereti iri akaripa pachine, kuti wazvipira akaita kubhengi.

Unogonawo kureva chokwadi kuti hapana ngozi. Gwaro kune insured chiitiko pamwe mubhengi mari vadzoka. Kana mari vakapiwa mangwanani, izvozvo havafaniri kudzivirirwa. By mutemo, gwaro inishuwarenzi chinonzi kusvikira nguva yaakanga zvakagadzirirwa, kana kana pasina nengozi insured chiitiko. Boka iri akafanirwa kubhadhara chikamu shoma.

Kwete nguva dzose yakafanana nharo dzinoshandawo makambani inishuwarenzi. Kazhinji mibvunzo chakagadziriswa nokubatsira dare. Results takatsunga nokuda chinzvimbo mutongi. Asi mukana dzosera ariko. Insurers vanoda kushanda pamwe dzose vatengi, vakapinda mune magwaro clauses pamusoro shoma dzosera policies, kana chikwereti iri akaripa pachine. Unofanirawo kuyeuka nemitemo inishuwarenzi, izvo zvinofanira kuverengwa pachine.

jurisprudence

How kuwana inishuwarenzi, kana kambani yacho inishuwarenzi haadi kugamuchira magwaro? Zvakakodzera kushandisa kupfungwa mutengi kudzivirirwa. Vashandi vachanzwisisa vazhinji nhau, uyewo vakaparadzana zvaunoda mudare. With nzira iyi, mushure kuripwa chikwereti inishuwarenzi dzosera zvichaita hazvo akabudiswa.

In tsika, kana mari nemasangano kumanikidza mamwe mabasa kune zvikomba, dare anoronga mubvunzo achitsigira wacho. The chikwereti Sangano ndiye mutengesi mabasa kuti anoda ape mumwe gwaro. Saka inishuwarenzi unoitwa anenge ose bhengi. To mberi haana simuka mamiriro ezvinhu, unofanira kutanga uzive zvose mitemo. Kuti aite izvi, unofanira kudzidza mashoko chesungano uye chero unoreva zvakawanda zviri nani tsanangurai pakarepo.