Ukubalwa izinzuzo yokukhulelwa nokubeletha: yini ukukhetha, imithetho emisha noma ubudala?

Ilinde ingane Yiqiniso, kuba isenzakalo esibalulekile umndeni ngamunye. Kodwa njengoba wazi, umqashi akuyona njalo uyajabula ongaphansi kwakhe. Lokhu kungenxa nje kuphela isidingo search engahlelelwe for umsebenzi omusha, kodwa futhi nabanye ukulahlekelwa kwezimali. Kuyinto okwamanje ngeke uphuthelwe isimo, kowesifazane ngokwakhe ungalawula ukukhokhiswa izinzuzo ekhulelwa noma ebeletha.

Kulo nyaka, ukubala izinzuzo yokukhulelwa nokubeletha wenza kokubili ubudala futhi imithetho emisha. Inketho kulokhu lomfati wanikwa. Umehluko omkhulu kuyinto ngendlela ekubalweni inkokhelo isilinganiso, okuyinto esetshenziswa ukubala izinzuzo. Ake sixoxe ngezizathu ezimbili izinguqulo algorithm, esetshenziselwa njengomgcini wamabhuku ezimali ukubala.

Ngakho, inketho 1. Lokhu okubizwa ngokuthi imithetho ubudala, esebenza ngokulandela uMthetho Federal ekupheleni 2010. Ingqikithi yale kubalwa ukuthi ukubala isilinganiso somholo isikhathi sezinyanga ezingu-12, esandulele ngenyanga umcimbi insured. nezikhathi ezinjalo bayakhishwa kusukela kulo nyaka, njengoba iholidi, elula, sokukhubazeka yesikhashana noma ikhefu lokugula, njll Ngaphezu kwalokho, ngokuvumelana simiso esidala, iholo elivamile ogibele mkhawulo izikolo nsuku zonke.

Inketho 2: Imithetho emisha, ngempumelelo kusukela 1.01.2011 Ngokungafani scheme endala ekubalweni izinzuzo yokukhulelwa nokubeletha okwenziwe ikhumbula iholo elivamile iminyaka engu-2 ezandulela unyaka umcimbi insured. Futhi kusukela kule lutho isikhathi ayifakiwe. Ngamanye amazwi, ukubala isilinganiso nomholo nsuku zonke izamba ukuthi zakhokhelwa nge -premium, ehlukaniswa izinsuku 730. Umkhawulo nomholo wonyaka inomkhawulo isethi.

A algorithm entsha sokubalwa wenziwa izinzuzo ukukhulelwa, kusikisela ukuthi imali ayeqi ayizinkulungwane 415., Ukuze 2011, leli nani kuyinto ayizinkulungwane 463. Ruble zingafundwa 2010. Amaholo ehlukaniswa izinsuku 730, njalo iminyaka engu-2, ngisho noma kwakungekho eqa kusukela enkathini zokuhlala. Ngakho, inani eliphezulu isabelo sansuku zonke 1 ayizinkulungwane. 202 deda. 74 iphoyisa., Okungukuthi, 415 + 463 ayizinkulungwane eziyinkulungwane: .. 730 izinsuku.

Ngokucaca, sikunikeza isibonelo. Nomholo Isilinganiso sanyanga zonke abesifazane ngo-2010, 28 ayizinkulungwane. Ngo-2011, izinkulungwane 33. Deda., Inani isabelo sansuku zonke kuyinto ayizinkulungwane 1. Ruble 2. 74 kopecks. ((28 * 12) + (33 * 12): 730).

Kuyaphawuleka ukuthi izinhlangano abasebenza i kulula noma oyithandayo intela uhlelo, ukubala izimali womama ushiye ngesisekelo efanayo imodi yenkampani jikelele.

Njengoba kushiwo ngenhla, imithetho ubudala zidinga ekubalweni nesabelo avareji nsuku zonke ngokusekelwe imali abayitholayo 12 ezedlule. Sifaka sonke izinkokhelo ukuthi angaphansi umshwalense bahlukanise inani okuholela ngenani lezinsuku kufakwe sokukhokha. Isikhathi isiphetho kuhlanganisa kuphela izinsuku lapho abesifazane baya emsebenzini, ngakho ukukhokhelwa, isibonelo, iholidi, ilivu yokugula, njll kuleli cala, kungukuthi abalwa. Khona-ke, qhathanisa isamba okuholela nge value mkhawulo. Kubalulekile ukuthi zamanje 2012 ubalwa kusetshenziswa algorithm efanayo ngo-2010 Ngakho, umkhawulo ekugcineni isabelo sansuku zonke ngo-2012 akuyona ezingaphezu kuka 1 ayizinkulungwane. 136 deda. 99 kopecks. Ngenxa yalokho, namuhla inzuzo esiphezulu ibalwa ngaphansi imithetho emisha, ezingaphezu kuka nesabelo, njengoba kunqunywe kwisikimu ubudala. Nokho, lokhu kusebenza abesifazane kuphela, imali Imininingwane biennial ingaphezu 830 ayizinkulungwane. Hlikihla. Kubo bonke abanye abantu, ukubala algorithm ubudala kusese enenzuzo kakhulu.

Kufinyeta, kumele kuphetfwe ukuthi ukubala nesabelo womama yenziwa ngenxa yesizathu esisodwa noma elinye icebo ngokuzikhethela umama okhulelwe. Kuleso simo, uma lowo wesifazane engathandi sokubalwa algorithm ubudala, ukubala kwenziwa ngokuzenzakalelayo uhlelo olusha.

Uma, ukwenza isibonelo, ogulayo isikhathi selivu kuchazwa njengoba udokotela lemali izinsuku 140, ubukhulu esiphezulu imithetho esidala ngeke azisizi 196 ayizinkulungwane isibonelelo. 386 deda. 30 kopecks, futhi ngaphansi imithetho emisha -. Ruble ayizigidi 168 383 .. kopecks 60.