Umshwalense zokuzithandela efulethini. Isilinganiselwa izinkampani umshwalense

On nokuvikelwa kwempahla abantu bacabanga emva sigameko ezithile. Izibalo zibonisa ukuthi abantu ngiye ngazuza izindlu zabo (I-ukheshe noma credit), bona bafuna ukuhlela yokuzithandela umshwalense efulethini. Ukukalwa izinkampani zomshuwalense ukuthi sihlinzeke izinhlelo ezinjalo, imigomo yesevisi - yonke le mibuzo sizozama amboze kulesi sihloko.

A glossary emfushane

Umklomelo - umnikelo kweklayenti ukuba inkampani ngokuhambisana inkontileka umshwalense. Ubukhulu bayo ibalwa ngamunye esimweni ngasinye.

Isinxephezelo - kuba isinxephezelo yemali ngokona ezikhokhwa ngaphansi inkontileka ngemuva kwengozi.

Imali ekhokhelwa - Izinga umnikelo senani inkontileka.

Umshwalense zokuhlala kusuka umlilo, inhlekelele yemvelo noma enye ingozi ngokuvamile ekhishwe isikhathi kusuka enyangeni eyodwa kuya onyakeni owodwa.

amakhasimende

efulethini phezu umshwalense mortgage luyimfuneko ekutholeni imali-mboleko. Kodwa kukhona abantu abaye atholwe yokuhlala yabo phakathi izinkampani amaklayenti. Bayaqaphela ukubaluleka impahla, bazimisele ukuchitha imali letengetiwe zokuzivikela. Ukuze inqubomgomo ukuthathelwa umshuwalense ungakwazi kuphela uqede noma impahla. Kodwa amakhasimende amaningi ahlanganisa inkontileka eziveza izindonga. Lokhu kwandisa kakhulu izindleko service.

okunye

umshwalense zokuzithandela ezindlini - enkulu ezibizayo. zokufuna nje ukuchitha isizumbulu ku nokuvikelwa kwempahla akuyona okuningi. Ngenxa yalezi amaklayenti, uma umshwalense, ekhokhwa ku irisidi kanye Tinsita. emisha okunjalo engathathi isinyathelo ngisho nakuzo zonke izifunda. Kuyinto esezisejwayele nabantu abafuna uhlele umshwalense yokuzithandela ezindlini, isilinganiso izinkampani umshwalense bayabuka, kodwa isikhathi amaphepha banayo.

Ukuze ufaneleke, kuzomele ucacise lemali yomnikelo, siphawula izingozi irisidi ukuthi kumele kuvikelwe. Can ukukhokhela isevisi ngokuhlanganyela Tinsita. Lolu khetho akusho acabangele izici ngamunye ingcebo. Ngakho-ke, ulindele ukukhokha enkulu akudingekile uma umcimbi insured.

Yini okufanele ivikelwe kuyo?

1. Izindonga kanye izakhiwo asekelayo, akha ingxenye enkulu izindleko efulethini. Ingozi ekhona ukulimala lezi zinto. Ngisho izinkokhelo eliphakeme zinikezwa ukubhujiswa ezincane.
2. Qeda: ..-Windows, iphepha lokunamathisela odongeni, zokuxhumana, njll Ukuvikelwa okunjalo kuyokusiza isinxephezelo umonakalo, isibonelo, yizikhukhula.
3. Impahla: kusukela zasendlini ubucwebe.
4. kuhilele ecaleni elimayelana nezakhamuzi. Inkampani uzokhokha isinxephezelo, uma kwenzekile ukuba senze umonakalo empahleni omakhelwane.

Inani yokukhokha ngeke ifane kuye endaweni lapho luhlobo itholakala. Izinombolo understate inkampani ezingenanzuzo, njengoba kulokhu, i-premium encishisiwe. Ukuze wenze iphutha izibalo, izinkampani zomshuwalense uqobo eze kanye nokuhlola into. Household Izisethenziswa oVikelwe ngenxa 10-20% yezindleko. izinto ezibizayo kucacisiwe njengoba into ehlukile. Inani labo kunqunywa amasheke.

izingozi

1. Fire, igesi ukuqhuma, umbani, wokhelwa othile.
2. Izinhlekelele zemvelo.
3. umonakalo Amanzi amanzi, amapayipi endle, Ukushisa izinhlelo.
4. Izenzo besithathu.

Izici izinkontileka

Amathuba sezimali iklayenti - kuba komkhawulo kuphela osebenza ku umshwalense efulethini. Isilinganiselwa izinkampani umshwalense siqukethe abangamakhulu amaningana izikhungo zezimali kanye nezinhlelo service ezahlukene. Ungasebenzisa amaphakheji ejwayelekile, khetha umakhi noma usebenzisa i-ejenti ukwenza inkontileka ngabanye. Izingozi ukuthi awekho ngaphansi Ukuvikelwa, lokuvela imithetho - umonakalo into ezibangelwa iziqhumane zasemkhathini, ezempi, ukugqwala zemvelo.

izibalo

Cishe ama-80% azo zonke izivumelwano yomshuwalense impahla zaba mortgage ingxenye. Esinye 10% - kuthengiselana, esiphethwe abanikazi ingcebo. Kodwa lokhu ingxenye akuyona nomthelela kakhulu emakethe.

Iningi labo abangase babe abathengi amasevisi musa noma ucabange ngakho. Kunezinto ezimbalwa yezizathu. Okokuqala, izakhamuzi abangethembi kulesi sigaba. Okwesibili, azibonwa ukuzifunela ukuxhaswa kombono ngoba umthetho "Ngo umshwalense okuphoqelekile okwenziwa ezikhungweni impahla," ngokungafani "avtograzhdanki." It kuvela ukuthi umnikazi imoto ukuthi kubiza malini lokuvikeleka kwezifiso ezisemqoka ezingumphumela imoto, futhi umnikazi we-efulethini - akukho. Kodwa lokhu akusho ukuthi inkonzo ukungasebenzi kahle.

Ubani iyalidinga?

Ochwepheshe bakholelwa ukuthi wonke umuntu kufanele athathe umshwalense kubanikazi impahla. Phela, ingozi abahlushwa umonakalo odalwe yizikhukhula, umlilo noma impahla ukuba besithathu lubonakala ngaso sonke isikhathi. Izinkampani zomshuwalense nazo Kunconywa ukuvikela zokuhlala, okuyinto eziqashiselwa ngoba ngisho izinyanga ezimbalwa, ikakhulukazi uma ungenalo sivala okuthembekile, umlilo, alamu, nemigoqo emafasiteleni, metal iminyango. Ngisho enkulu kukhona izinto zitholakala eduze iphayiphi, othelawayeka ezishisayo, izikhumulo zezindiza, ushise imigudu yomoya. efulethini umshwalense inkontileka ngisho kuhlanganisa isivikelo bangawi bese flying imishini futhi kusele izingxenyana zazo. Lezi zici kakhulu ubukhulu premium. Abanikazi Amahhovisi bathi ngezinye izikhathi baligcina nalapho ekuqiniseni uhlelo yezokuphepha kubiza esingaphansi izindleko service.

izinhlobo

Mortgage umshwalense. Amabhange zidinga amakhasimende ukukhipha leyo nkontileka lapho uthenga yokuhlala e loan. Lowo Mbhalo wangonyaka we sihlinzekela yokukhokha uma kwenzeka yokulahlekelwa umsebenzi, bezindawo, nokunye. D. inkontileka kuphothulwe isikhathi ukusetshenziswa kwezimali waboleka.

Aphathimenti umshwalense. Izinkampani zemishuwalense zivumelwano ukwenza izinkokhelo uma umlilo, izikhukhula, ukugqekeza, ukubamba inkunzi, inhlekelele yemvelo. Uhlelo lokulungisa kuyakhethwa ngamunye.

Somshwalense - isevisi elifana odlule. Ukuvikelwa kuncike kunoma yimiphi isakhiwo (esitokisini sakhe), esemgwaqweni umuzi noma umuzana.

umshwalense Isihloko - isetshenziswe kuphela uma uthenga ingcebo. Le nkokhelo uvikela izintshisekelo abanikazi uma kwenzeka ukulahlekelwa amalungelo impahla isinqumo senkantolo. Ngokwesibonelo, uma efulethini yathengwa eminyakeni embalwa edlule, futhi ubunikazi lidlule isuka kwesinye isandla iye. Kunengozi ukuthi kuthengiselana ingenye nabathengisi wangaphambili kungenzeka inselele. Uma impahla itholwe yi inkampani ukwakhiwa, isidingo uhlelo olufana nalolo ayitholakali.

Umshwalense zokuhlala: Isilinganiso izinkampani umshwalense

I Bank of Russia ngonyaka kuwebhusayithi yayo ishicilela uhlu izinkampani enenzuzo kakhulu. Lokhu simo is ihlanganiswe izinkomba ezifana nenani amaphrimiyamu ikhokhwe, isabelo izinkontileka waphetha, ukwehluleka, nokunye. D. Ngokusho izibalo ezisemthethweni, kuyinto "Rosgosstrakh", "SOGAZ", "Ingosstrakh" abaholi emakethe ukusebenza kwezomnotho, "RESO". Ngesikhathi esifanayo abaseRussia baba nokuzethemba okwengeziwe lezi zinkampani: "Hephaestus", "Energogarant", "Yugoria".

Lapho ekhetha inkampani kufanele sinake ukubuyekezwa izihlobo, abangane kanye namakhasimende kumasayithi. Kwakukhona izimo lapho efulethini is insured izinkampani ezimbili, futhi phezu okuvela i esingalindelekile isimo esisodwa ikhokhele abafowethu isinxephezelo ngokugcwele, kanti owesibili, benqaba ngisho cabanga ngendaba.

Kubalulekile ukufunda imibhalo, izidingo ngokuhambisa isicelo, inqubo kubalwa inani umonakalo, imibhalo kokuqinisekisa sokusebenza kwawo. Ngo umkhuba, kulapho inkampani idinga izibambiso, izinkinga ezingaphezu kuyoba esikhathini esizayo ukuze bathole inkokhelo.

Umshwalense amafulethi yizikhukhula ekutholweni

Ukwethulwa kwale sevisi ivikela hhayi kuphela nezithakazelo impahla zezakhamizi, kodwa futhi kunciphisa nezindleko izindleko ekubuyiseleni impahla ilimele. Ukuthi iqhaza sipho umphakathi, wonke umuntu unquma bona. Izinzuzo mass ukuthengiselana okunjalo. Asikho isidingo e esigabeni sokuqala ukuba bakhokhe imali eningi ezindlini umshwalense, izinkampani isilinganiso akudingeki cwaningo. Ukuze isivumelwano, wena umane ukukhokha isitolimende sokuqala. Isamba isivele kufakwe EDP, okuyinto ethunyelwe idluliselwe kuzo zonke izakhamizi.

Le ndlu ezocatshangelwa evikelekile kusukela ngosuku lokuqala lwenyanga elandelayo. Lokho, uma izimali zenziwa ngo-Okthoba ka-November 1, iqala ukwenza umshwalense efulethini. impendulo kwamakhasimende uqinisekisa ukuthi isikimu ezifana Kuyinto elula kakhulu. Ukusebenzisa isevisi ngaso sonke isikhathi, udinga njalo ngenyanga ne Izinsiza ukukhokha iminikelo.

Isikimu ubizwa nangokuthi oyithandayo. Izinkampani ukuthuthukisa tariff olulodwa (1.5-2 rbl. / Sq. M.), Yikuphi kakhulu kunciphisa tindleko amasevisi. sipho zomphakathi kuhlanganisa ubungozi ejwayelekile: isivikelo umlilo, igesi ukuqhuma, umbani, izinhlekelele zemvelo. Subtenants Ungaphinda uhlele i umshwalense efulethini. Izibuyekezo basikisela ukuthi ukubala izinga umnikelo kungaba ngokuzimela. Kwanele uphindaphinde ngamaphesenti endaweni ingqikithi yezindlu. Ngokwesibonelo, 50 kV ze ezindlini ezimbili lokulala. m. ngesilinganiso 1.5 ruble. Umnikelo rate kuyinto: 1.5 x 50 = ruble 75. ngenyanga.

Inani kungenziwa ukhokhelwe yokukhokha eyodwa ngokushesha unyaka wonke. Ngezinye uhlelo encishisiwe, ngokungafani kuya yamanani ejwayelekile akuvamile ukushintsha. Izibuyekezo zabantu ukuqinisekisa ukuthi umshwalense yokuzithandela izinkokhelo kusengaphambili akulungile ngaso sonke isikhathi. Ngezinye izikhathi amakhasimende ukukhokhela amasevisi nakulo nyaka, bese amazinga ziye zashintsha ohlangothini ezincane. Okungukuthi, ukuze ulondoloze imali akusebenzanga.

Kubalulekile ukukhokhela isevisi ngendlela esifike ngesikhathi. Lapho wena miss isitolimende inkontileka imiswe okwesikhashana, njengoba kushiwo ngaphambili, akukho ukubuyiselwa imali. Uma ngemva kwezinyanga ezimbalwa abantu waphinda ufuna ukuthathelwa umshuwalense, futhi ngokwanele ukuqala ukwenza imali. Izikweletu ngokuba inkathi okwakungenziwa lutho ngayo icala. Kodwa futhi isinxephezelo iklayenti asitholayo lapho umcimbi insured. Isinxephezelo kumele sikhokhwe ngaphambi kwezinsuku eziyisikhombisa ngemuva kokukhokha.