Inihua taunahatanga kaihanga ki hanga tahi: rawa ka tono

takoto ana te kaiwhakawhanake te ki whakaputa i tētahi kirimana inihua taunahatanga i mua i te mutunga o te hoko tuatahi ki te kaihoko. Kore, e kore e taea ki te rēhita i te reira i roto i Rosreestra ia. i hanga enei me ētahi atu tāpiritanga i roto i 2014 o te Ture Federal № 294 "I whakatikatika ki etahi mahi hanganga ture.

ngakau

Mai 2014 hiahiatia kamupene hanga te ki te whakaū i te mahi o ngaahi fatongia e te tuku i te taurangi inihua ranei o taunahatanga metarahi o te kaiwhakawhanake ka te hanga ngā. Tenei ka tukua te kaihoko ki runga ki te takanga o ngā āhuatanga mana'o-ki ora ratou moni.

Adoption o te pire whakau ana te kaiwhakawhanake haepapa mō:

• whakataha o herenga;
• tuku o te ahanoa oti;
• kaihau i mua i te tuku o te taonga.

wehi Tohunga e ka arahi auaha ki te hua i roto i utu rawa. fakapapau'i te Kāwanatanga e kore kei te honohono enei āhuatanga. utu inihua, ara i roto i te kamupene nui he 1% o te rōrahi o whakawhitinga. ka whai ngā ki te whakarato moni mo enei utu i tona pūtea.

ahanoa

Ko te inihua kaihanga taunahatanga mo te hanga ngā tā te tiaki o ngā ngākau nuitanga rawa o kiritaki. Ko te painga matua ki kiritaki tenei mahi. Ka taea e Kamupene te inihua i te whare katoa fare ranei takitahi.

kiritaki

Ko te kirimana ko mo te painga o ngā kaipupuri hea. I roto i etahi huru e riro ratou utu. E whakatutuki ana te kaiwhakawhanake ki te whakaora pono ahanoa-kounga tiketike. takoto te insurer te ki e te kiritaki e pā ana ki te huringa i roto i te hoko me te utu o te taiutu. Ki te i roto i te hanganga o ka huri pūtea hoko whare, he mea e tika ana ki te whakapūtā i te kirimana, rite te kaiuru e whai ake ko te tuhinga motuhake.

kairīanga

Ehara i te UK katoa ahu ki te hanga i roto i te kirimana taua. Kei te whakapono te reira e tenei momo o te tauwhitinga ai kino. Ano, me te whakatau i te kamupene etahi whakaritenga:

• ki te mahi i runga i te mākete mō neke atu i te 5 tau;
• finustoychivosti ū ki te whakaritenga;
• whai i te outlook pai mō te wā e heke mai;
• kia mau i roto i te hoki o te iti rawa 400 miriona moni., me te whakapaipai mana i roto i te nui o 120 miriona moni.

tariffs

inihua kaihanga hoki hanga tahi he utu. reiti Toharite i 0.5-0.8% i roto i te 2015. Hoki reiti kirimana wā roa-kia heke e 10-30%. Insurance Company (UK) ka whakaturia te auau, ka Tātaitia ōwehenga i runga i te ōrau ā-tau, kia rite ki reira he tonu he pea e te kaiwhakawhanake tino, mē herenga.

He aha e whakatau te auau:

• Whai wāhi i roto i te pupuri kaiwhakawhanake.
• Ko te wheako pai o ngā whakawhitinga o mua: kati, te maha o ngā ahanoa, mahi i roto i ngā rohe rerekē, te ngaro o ngā kerēme.
• pūmautanga pūtea.
• haumarutanga Ture: wātea o ngā tuhinga me tukua e katoa.
• wāhanga hanga.
• kati.
• Tau o kaipupuri.

kirimana ōkawa

Hei te rēhita i te DDU, me te whakarato i te kaiwhakawhanake i te kirimana Rosreestr. Ki te mahi i tenei, me kohikohi koe i te tuhinga e whai ake nei:

• i runga i te Whakapuakanga tauira;
• whakaaetanga ki te kawe i roto i te mahi hanga;
• tiwhikete o te rēhitatanga kāwanatanga;
• kirimana o hanga ngā;
• he tārua o te tikanga;
• ako whai huanga;
• he tārua o te pūrongo pūtea;
• raraunga i runga i te moni;
• he tiwhikete o kahore taurewa tōmuri i pareparenga.

He aha kia tiakina

te inihua kaihanga taunahatanga mo te hanga ngā tā te utu o te utu, ki te kore i rite te kaiwhakawhanake ona herenga, whakapumautia nei e te whakawa kaihau ranei o te kamupene. E kore te te nui utua i roto i te take o te mīti wa hanga toronga o te wā otinga ranei. Tei te nui i runga i te utu kirimana. e kore e taea e te reira i iti iho i te:

• uara o te ahanoa;
• mākete auau toharite ia 1 sq. m. o whare i roto i te rohe.

tauwhāiti hoki te ture i te nui mōrahi o mōhio.

Kairīanga mōhio ana ngā take pēnei i:

• arumanga o hanga;
• te kaihau o te hanga;
• tango-kore o te rawa;
• kore ki te hoki mai te rauemi rauemi, me te pera i runga i. d.

huringa i roto i te ture

I roto i 2014, te tau Federal Ture 294 i whakatikatikaina, kia rite ki nei te kaihanga tika inihua taunahatanga i roto i te whare, ko te inaianei whakahauanga. Rehita o te kirimana whai wāhi nga ngā ratou. whiriwhiri ratou ki nei ki te haina i te kawenata: ki te kamupene, he pēke, he kamupene motuhake.

ka waiho kaiuru katoa i roto i te kamupene inihua mātua tahi me takitahi tika. Ki te hanga he mahi te ki te pēke, pau he rota o te wā kei te i runga i te kohinga o ngā pepa. Ko reira tino ki te kia utua 30% o te uara taunaha o te taonga, i te kaimahi rite te taurangi mo te whare pūtea. I tua atu, whakatakoto ana te Central Bank ona ake whakaritenga mō enei tahatika:

- te wā iti o te mahi - 5 tau;

- rēhita whakapaipai o 200 miriona;

- te uara o ngā rawa - 1 piriona moni.

More pai hoki ki ngā whiwhi i te pūtea taurewa atu i ki te puta i te taurangi. pūtahi pūtea kore ano e ngā kirimana inihua whai wāhitanga tika i roto i te hanga o te hua pai.

He pai ki te tomo ki te kirimana ki te kamupene. I roto i te taiao kaha whakataetae, kei te ngana kairīanga ki te kukume kiritaki reiti raro me utu. Ko te auau huamoni i runga i taua whakawhitinga tonu pūmau puta noa i te wā o te kirimana. utua te inihua kaihanga taunahatanga mo te hanga ngā te i muri i te mahi. Ko tētahi atu painga - te tere o te tukatuka o ngā tuhinga. Inihua mahi ia kaiwhakawhanake, painga - kau ma'u moni. E whakarato ana i te huarahi ki te tīpako mo ia e noho takitahi.

kaihanga inihua taunahatanga ki hanga tahi

tika me Kamupene whakarato kaiwhakakapi. Nuinga maha ko reira te whenua ki runga ki i kei te ahanoa te. I tua atu, whakaahua ana te tuhinga i te ara ki te whakarite fafauraa. E hainatia pepa ki runga ki te rēhitatanga kāwanatanga tuatahi o te wahi kawenata me he tika tae noa ki te rā o te otinga. e kore e whakamutunga o te hoko te kape i te kamupene i te titauraa ki te utu paremata i runga i ngā take e puta i roto i te wā o tona mana.

Ka taea e te inihua i te whare katoa ranei ia fare motuhake. E kore te mea pai te whakatinanatanga tuatahi. kia hanga tonu te kaiwhakawhanake i te moni nui, ki te kia mohio e ka hokona nga whaitua katoa. Ko te raruraru tuarua takoto i roto i te meka e raro i taua kirimana he uaua ki te whakatau ko wai te mea he painga.

mai te tuhinga ki te kaha i te kau o whakauru o te instalment tuatahi. e kore e Insurance kaiwhakawhanake ki hanga tahi o te kawenata whakarato mo te karapu. Ētahi atu tikanga hāngai ki te tauwhitinga paerewa:

- te insurer whakatika ki te whakamōhio whai pānga e pā ana ki te nui o te utu utua;

- Ka taea e te kamupene rahurahu te āhua ohie o inenga ki te kaiwhakawhanake;

- herenga te insurer te ki whakamōhio rangatira katoa o te mutunga wawe o te kirimana;

- roanga o te kawenata, tei runga i te roanga o te hanga.

Ko te nui o te moni tei runga i te utu me reiti. kia nui te reira i te whakarite ai o te rohe katoa o te whare. Ko te kamupene ano whakatau pehea ka kawea i roto i te utu: te moni puranga i roto i utunga ranei.

raruraru Insurance kawenga kaiwhakawhanake i roto i te hanga tahi

Ko te tino motuhake tenei mahi. I roto i te meka, e korero tatou e pā ana ki te tiaki o te tūponotanga pūtea o te hanga. Kamupene i te kōwhiringa - ki te whakaputa i tetahi kaupapa here kaiwhakamau ranei. Kei te nui ake te reira i meinga te rua o nga kōwhiringa, mai kua whai pūtahi nama he tikanga pai-whakapumautia, ngā pūnaha piro, nga tohunga aromatawai nga tūponotanga, me te hanganga i whakarite i te otinga o te mahi i roto i te ahunga whakamua. e kore e taea e IC taua painga whakamanamana. Engari, whakahere ratou tīkiti iti. Iwi e whakamahia ki te meka e he utu ratonga pēke. Ko te pono tenei, no te mea he nui te mōrea o te hoko. Ahakoa, e whai ake nei i te whakatikatika o te ture, ka whakatika ano nga reiti kamupene.

te inihua kaihanga taunahatanga mō te hanga tahi whakarato te pānga tāpiripiri o te parekura. I roto i te āhuatanga mōrearea (iti i roto i te tono mo te whare, hua i roto i reiti mōkete moni) e marietia te mate kotahi ngā katoa, e kore noa tetahi mākete kaiuru.

Ko tētahi atu raruraru - te ngoikore ki te reinsure tūponotanga ara i roto i hokohoko ke. Ao whakamahia i roto i ngā mahi pērā i here (taurangi). Otiia e kore e te ratou mahi i whakaritea e te ture Russian. Ko te rerekētanga matua o tenei hua ko e taea te tango i te insurer hei taunaha i raro i hanga.

whakaarahia Central Bank nga whakaritenga mo te UK, e taea whakarato ratonga ki ngā - ki te whakapiki ake i te nui iti o te whakapaipai. Tenei nui te whakaiti i te maha o ngā kairīanga taea - ki runga ki te 19 kamupene. Mai i te rārangi hou o te kamupene haere ana, kiia mua te wahi o nei mo te 80% o kirimana ki ngā. Na te aha e pa he mohiotia ki a ratou. E pea i ki haina kirimana hou ki ngā kamupene i te rārangi "ma". I roto i te take o te kounutanga o te raihana IC he kawenga mō te whakawhitinga mutu i mua hoki 6 marama. Reira ka rānei whakamutu i te tuhinga pūrongo kōpaki ranei me taunahatanga ki ētahi atu kaiuru mākete. I roto i te rerekē ki te inihua herea taunahatanga o rangatira o ngā ahumahi kino ranei, i roto i tenei mahi, i reira he kahore atu momo o te tiaki, pēnei i moni utu, e pai kia whai wāhi i roto i utu ki tangata i muri i te kaihau o te insurer. he nui mākete whare ngā. Ko te tikanga whakapumautia mo te whakahaere i te mahi o ngā ano.