Uyini Franchise lapho CASCO? Franchise ngesikhathi CASCO: ukubuyekezwa, izimo

Njalo umshayeli okungenani kanye empilweni yakhe ebhekene isidingo ukuthenga inqubomgomo imoto (imoto). Kungenye into ukukhipha MTPL, t. E. Ukuze ukuthathelwa umshuwalense umonakalo owenziwe impahla kanye nempilo besithathu. izinqubomgomo ezinjalo zivame aluthola ku kwesikhathi wokuhlola kanye ezicashile inkontileka musa ukungena. Kuhlukile - ukuthola CASCO. Inombolo ye-premium enkulu izingozi ezinkulu, ngenxa yokuthi ngisho umshwalense uhlongoza ukukhipha Franchise. Kafushane okushiwo incazelo yaleli gama ngale ndlela: uma kwenzeka ingozi iklayenti ngeke kusadingeka ukuchitha imali ukulungisa imoto. Kodwa kungakanani futhi ngaphansi kwaziphi izimo, kuba omunye umbuzo. Eminye imininingwane mayelana nokuthi iyiphi ezikhokhiswayo ngaphansi CASCO, iziphi izici lasungulwa, funda ku.

imiqondo eyisisekelo

CASCO - imoto lomshuwalense ukweba, ukweba noma ukulimala besithathu. Yingakho amabhange adinga khona layo ekuklanyweni ukuboleka imali yokuthenga imoto. Okwenziwayo ngokwawo imoto kwesamba, kungakhathaliseki ukuthi ubani kwayilimaza.

Ukubhala inqubomgomo, le womshuwalense liyadingeka ukuphakamisa ukukhipha franchise ngilandisa zonke izinzuzo kuthengiselana, yebo, mayelana isaphulelo ukuthi ikhasimende uzothola. Kodwa izindleko zabo ungathola out emaceleni kwalokho. Ezikhokhiswayo - inani lemali ukuthi uzokhokhelwa yikhasimende phezu okuvela umcimbi insured. It ungaboniswa% semali ngaphansi inkontileka noma amayunithi yemali. Ubukhulu bayo iqinile kusengaphambili ku inkontileka. Okungukuthi, yihambise izindleko ezingalindelekile engenakwenzeka. Yilokho franchise ngesikhathi Hull ifomu lula.

ongakhetha

Non-deductible ezikhokhiswayo umshwalense CASCO kusho ukuthi zonke izinkokhelo ukuthi idlule lingakanani, uzobe ngokugcwele ibuyiselwe yinkampani yomshuwalense (IC). Kodwa uma isamba izindleko yokutakula kuyoba imoto encane, iklayenti kuyodingeka isinxephezelo umonakalo wedwa. Ngakho-ke, lokhu Franchise futhi ngokuthi "ngenxa yezimo ezithile".

Ngokwesibonelo

deductible kuyinto ayizinkulungwane 5. ukukuthinta. Uma umonakalo balinganiselwa ku ayizinkulungwane 4.5. Hlikihla., Bese imali iklayenti kuyodingeka bakhokhe ngokwakho. Kodwa uma yokutakula imoto kuzothatha ayizinkulungwane 7. Ruble, bese bevala ukulahlekelwa ngokugcwele leyo nkampani abayisebenzelayo.

Franchise Sinemibandela e yomshuwalense sikebhe iyadonswa kusukela isinxephezelo. Okungukuthi, noma kunjalo, izindleko yomshuwalense iklayenti kuyodingeka bakhokhe ekhukhwini. On the nemibandela esidlule, lokhu kusho ukuthi uma umonakalo ruble ayizigidi 7, umuntu uzothola :. kuphela 7 - ruble 2 ayizinkulungwane 5 = .. Kodwa uma ekspertiznaya sohlelo. Ruble ayizigidi 4.5, konke okubiza iklayenti kuyodingeka nxephezela ngokwabo.

Zikhona nezinye izinhlobo franchise, okuyinto zenzelwe nezigaba ezithile amakhasimende, kodwa ngokuvamile ezisetshenziswa kulezi ezimbili. Sinemibandela ngcono, njengoba kwaba njalo endabeni ka-lemali ekhokhela izindleko kungenziwa eyayenziwe kukhuphuke ngo umuntu kwesamba.

izinzuzo

Impendulo isobala umbuzo ukuthi ukuthenga inqubomgomo nge ezikhokhiswayo, akukho. Okuningi kuxhomeke esimweni esithile, isipiliyoni ukushayela somshayeli, ngokwesikhundla sakhe sezimali. CASCO umshuwalense nge ezikhokhiswayo kungaba wusizo uma:

• Iklayenti ufuna ulondoloze imali ukuthenga inqubomgomo. Lapho kufakwe inkontileka noma iliphi inani Franchise kuthengiselana uzokwehla kakhulu. Lokhu ikakhulukazi osebenza ku abashayeli ngaphandle ukushayela isipiliyoni. Ezimweni ezinjalo, izibalo SC usebenzisa okungu ephakeme. Elikhulu ezikhokhiswayo, eshibhile inqubomgomo. Kulokhu, iklayenti kufanele uzilungiselele ukuqinisekisa ukuthi isinxephezelo inkampani, uyakwamukeliswa kuphela uma umonakalo ebalulekile emotweni. imihuzuko Small ke kuyodingeka silungise ngezindleko zabo.

• Indoda ofuna ukusindisa isikhathi. Endabeni umshwalense inkampani udinga ukunikeza lonke iphakethe kwemibhalo kusuka amakhophi passport izitifiketi kusuka omgwaqo. Nokho, uma le mibhalo zemukeliswe ngokushesha endaweni yesehlakalo. Kodwa amakhasimende ngokuvamile baye kumadokhumenti ukubukeza. Uma inani umonakalo incane, kunengqondo isinxephezeliso yayo. Ngakho ungakwazi ukuthola isikhathi nemali.

• SC futhi kunenzuzo ukuhlela sikebhe nge ezikhokhiswayo. Izibuyekezo abasebenzi amafemu uqinisekise lesi. Kungakhathaliseki ukuthi lingakanani umonakalo isinxephezelo inqubo bureaucratic sokubhalisa ihlale ifana. Kodwa izindleko kungaba kakhulu idlule inani isinxephezelo. Ngakho-ke, i-ejenti ezizama ukuthengisa izinqubomgomo nge ezikhokhiswayo.

Ubani okufanele ukuthenga inqubomgomo?

Njengoba asebenzelana ngayo Iqiniso lokuthi Franchise ngesikhathi Hull, ukuya indaba yokuthi ubani okufanele enze leyo nkontileka. Ngakho, umthengi ezingaba kumele afinyelele izimfuneko eziningana:

1. Ukutholakala kwezimali. umonakalo Minor iklayenti kuyodingeka nxephezela ngokwabo. Kodwa umcimbi insured kungenzeki. Khona-ke imali kwi ukuthengwa kwepholisi uyofaneleka.
2. isipiliyoni Long ukushayela ingozi-DRM. Uma umuntu elandele indlela efanele yokuphila futhi imoto uzizwa ukushayela like inhlanzi emanzini, franchise ngesikhathi Hull uyosindisa isabelomali ngenkathi sigcina umuzwa wokulondeka, kusukela imoto uyovikelwa kusuka ukweba noma ekubhujisweni.
3. Isifiso bahlele inqubomgomo uhlobo olulodwa kuphela ingozi. sikebhe Okugcwele kuhlanganisa yokuvikela ekulimaleni kanye nokweba. Kodwa uma umuntu beqiniseka amakhono akhe lokushayela nezincane imihuzuko ngeke indiva, kuwufanele ukuthenga inqubomgomo nge ezikhokhiswayo okusezingeni eliphezulu (kusuka 7%) I-ingozi "umonakalo". "Ukudunwa" kuyaqabukela okunikwa amakhasimende ngokwehlukile. Ngokuvamile-ke iza izikhwebu namanye amasevisi. Kodwa uma iklayenti serviced yinkampani isikhathi eside, Franchise kakhulu Hull bangaba yokufuna inzuzo.

Kilomlayo

Ngokwezibalo, abashayeli ongenalwazi kunamathuba amaningi okuthi bangene izingozi futhi uxhumane inkampani isinxephezelo. Kubo, imali kunqubomgomo liphenduka izindleko eziphawulekayo ukutakula auto. Kungcono nje ukuthenga umshwalense ne okuza ephakeme. Kuyefana nasendleleni abashayeli abathole amalungelo emva kweminyaka 40.

izincomo

Ngakho osizakalayo CASCO ezikhokhiswayo? Abashayeli 'ebona, ngubani ukuba icabange imihuzuko ezincane futhi alungele nxephezela them ku-akhawunti abo. Ngakho amakhasimende kufanele uthenge izinqubomgomo nge ezikhokhiswayo ngaphakathi 0.5-2% yezindleko izimoto.

Abashayeli abanolwazi eside ukushayela ingozi-free ungakwazi isayine isivumelwano kuyokugqiba ngaphansi okuyinto kuphela izindleko aphezulu olungisa izimoto. Ngokuvamile, it inikeza Franchise e inani 7%.

Kufika kangcono bayakhohlwa umqondo ezifana "Franchise e yomshuwalense sikebhe", okusho - ukuthenga inqubomgomo ngesikhathi esisodwa ne okuza okusezingeni eliphezulu. Nakuba imali akusebenzi, kodwa isici ngokwengqondo namanje ukusebenza: umshayeli ziyothambekela kakhudlwana ngokucophelela ukuze ukwazi ukuqondisa imoto.

imininingwane ehilelekile

Thola imbuyiselo egcwele konke ongakwenza, ngisho noma iklayenti ikhiphe sikebhe nge franchise. Izibuyekezo abashayeli izinkundla uqinisekise lesi. Kodwa kusiza kuyoba kungenzeka kuphela uma isephulamthetho yengozi kungewena. ERussia kukhona izinhlobo ezimbili izinqubomgomo - CTP futhi isikebhe. Umsuka offset ukulimala besithathu, kanti eyesibili - TC oVikelwe. Ngakho uthole ucezu nokubuyisela ngaphakathi franchise kungaba ngaphansi imbangela Inqubomgomo CTP yengozi. Kodwa kulokhu kubalulekile abuthe iphakethe okuphelele imibhalo, okuyilona elidingekayo ukuze umuntu ukubhalisa umcimbi kwesamba. Uma ingxenye izindleko kwavuzwa CASCO futhi imibhalo kakade ungeniswe kumphatsi wesifundvo SC "ekhaya", ke amaphoyisa omgwaqo ungacela amakhophi izitifiketi. Into ebaluleke kakhulu - ukukhipha inqubo ngaphambi kokwethula izimangalo UK elikhiphe sikebhe, ukuze ngomshuwalense we umsunguli. Uma kungenjalo imali kuyokwenziwa lehla ngamaphesenti lemali zokukhandleka.

car Loan

Ukunikeza imali loan ukuthengwa imoto, ibhange kungadinga ikhasimende yesiqinisekiso ezengeziwe. Kulokhu, kuzoba CASCO. Lapho uthenga emisha yokubhalisa imoto le sevisi luyimfuneko kuthengiselana. Amabhange akuvamile ungene ezivumelwaneni nazo, ngaphandle umshwalense. Lokhu kwenzeka ngokuvamile kakhulu phakathi izikhundla.

Lapho uthenga imoto nge sikebhe mileage Awukwazi ukwenza out. Ezinye amabhange uyavumelana isikimu ezinjalo, kodwa okuningi kufuthwe amazinga. A sesikweletu abanesifiso imbuyiselo ngaphansi kwanoma yiziphi izimo. Kodwa uma imoto eyebiwe, kodwa akukho umshwalense, kuzodingeka ukuba Nokho, offset izindleko ukuze iklayenti, njengoba ukubuyisela imoto ngemuva kwengozi.

Ekhuluma

Abashayeli belulekwa kuleli cala ukuthathelwa umshuwalense imoto ngoba ngonyaka (uma kuzovumela asebhange) nendlela zokuhlola ukunquma ukuthi udinga inqubomgomo nhlobo. Uma lokhu kungeke kwenzeke, kubalulekile ukwenza ngokuvumelana uhlelo ejwayelekile. Abashayeli abanolwazi ungakwazi ukuthenga nge franchise lapho CASCO imoto loan ezokwenza ukuthathelwa umshuwalense okweba kuphela noma ukubhujiswa ngokuphelele. Abanye athenge inqubomgomo nge inani elincane isaphulelo.

Nciphisa izindleko inqubomgomo kungenzeka ngezinye izindlela:

• Nciphisa isikhathi inkokhelo kusukela eminyakeni emi-5 kuya 2.
• Insuring imoto kuphela inani loan, net inkokhelo kusengaphambili. Bese nibuyela franchise ngoba sikebhe uzokhokhelwa e ingxenye efanayo:

(Inkokhelo - ezikhokhiswayo) * (kokuqala value auto - kusengaphambili) / 100.

Ukwenza isinxephezelo

Iningi impendulo engeyinhle ukuba inkampani ezihambisana ngenxa yokuntula ukuqonda okushiwo bezikhungo zonke izinqubo kanye imiqondo, ngokukhethekile, lokho kuyinto franchise ngesikhathi Hull. Kodwa uma Uwafunde inkontileka futhi ukuqonda imininingwane deal ngaphambi kokusayina amaphepha, izinkinga kungagwenywa. Ake sicabangele isibonelo zokucubungula inkokhelo nezinqubo.

Isinxephezelo kungenzeka yehliswe ngama ezibanjwayo ezifana: ukwehla ezikhokhiswayo. Bonke akhiwa phezu imigomo yenkontileka. Ngokungena ngemvume amaphepha, iklayenti uyavuma futhi uqinisekisa ukuthi imininingwane yalokho kuthengiselana kuba ezijwayele.

Ngokwesibonelo

Umuntu oVikelwe imoto ngenani eliyizinkulungwane ezingamatshumi 500. Hlikihla. Isivumelwano bababonisa ezikhokhiswayo Franchise ngesilinganiso 1.5% esikhathini uma kwenzeka ingozi. Ukulahlekelwa kuyinto ruble ayizigidi 50 .. Into yokuqala ukuthi wenkokhelo ozoba kushintshwe - franchise:

50 000 * (1-0,015) = ruble 49 250.

Lokhu kulandelwa ukuwohloka kwamangqamuzana. Izindleko izingxenye ezisele, okuyinto ayikwazi ukutholwa, zibanjwe inani ukugqoka imoto. The eside imoto isetshenziswa, aba maningi iphesenti lezi zindleko.

Nokuvumelana izindleko zokulungisa iziteshi - le ndlela ngokucacile kulawulwa inkontileka. Uma kulotshiwe ukuthi pholisi ekhetha iziteshi, inani isinxephezelo uzobe bavumelana ngumuntu ummeleli wenkampani futhi esiteshini inkonzo. Kodwa kulokhu, iklayenti ayikwazi zokwethemba izinga amasevisi anikezwa kuye. Ngakho-ke, lapho besanda wokuphuma ngemvume amaphepha adingekayo ukuze siqiniseke ukuthi inkontileka kufakwe inkulumo ethi "iziteshi ngaphansi kwesiqinisekiso."

isiphetho

Franchise - inani izindleko ukuthi umcimbi kwesamba ngeke inxeshezelwa UK. Ukuba khona kwalesi sakhi esivumelwaneni kunciphisa tindleko kokuqala kwenqubomgomo. Kodwa imali Ungabese ujike emaceleni abashayeli abangenalwazi. Abantu ababeka ungazethembi lapho beshayela, kunamathuba amaningi okuthi bangene izingozi. Ochwepheshe ukweluleka amaklayenti ezifana ukuthenga nje inqubomgomo nge okuza ephakeme futhi babesabisa umshwalense mayelana ekuqaleni ngamunye. Franchise ungagcina imali kuphela abashayeli abanolwazi.