UMapfre uqukumbele usuku ngalo Mvulo nge yehla usondele kwi-4%, emva kokubhengeza ukuba kuyakufuneka iphonononge iinjongo zezemali zesicwangciso sayo sobuchule ngenxa yefuthe likaosozigidi lwenkanyamba eJapan kunye nezidubedube eChile. Ngale ndlela, iMapfre iqaphele ifuthe elibi eliphakathi kwe-130 kunye ne-140 yezigidi zeerandi kwinzuzo yayo enokubakho kunyaka-mali we-2019 ngenxa yezaqhwithi zamva nje iFaxai neHagibis eJapan kwinyanga kaSeptemba nango-Okthobha kunye nomonakalo obangelwe zizidubedube. eChile.
Le mpembelelo kwiziphumo zayo ezinokubakho, ikakhulu ngenxa yeshishini lokuqinisekisa kwakhona, iyakunyanzela iMapfre ukuba iphonononge iinjongo zezemali ezibandakanyiweyo kwisicwangciso sobuchule seminyaka emithathu ephela ngo-2021. Kubonakala ngathi kwiiseshoni zokugqibela zentengiso yenyukile ukubhabha kwayo kwiimarike zezabelo. Ngomhla wokugqibela ngoku kubonakala ngathi ubuzwe kwakhona ngenxa yesilumkiso seshishini.
Kunyaka we-2020 kubonakala ngathi kuyakufuneka ukuba kwenziwe ngononophelo ngakumbi ngexabiso lezinto ebezicwangcisiwe kude kube ziintsuku ezimbalwa ezidlulileyo. Ngeziphumo ezincinci kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Apho izabelo zeinshurensi yaseSpain ziphele kwi-2,45 euro, emele ukulungiswa kwe-3,7% xa kuthelekiswa ne-2,57 euro ngesabelo ngasinye esifikelele esiphelweni seveki ephelileyo. Ngamafutshane, a ijagi yamanzi abandayo ezinokuphelisa iinjongo zabatyali mali abambalwa zokuba bathathe izikhundla kweli xabiso lesalathiso esikhethiweyo sezabelo zaseSpain.
Uya kugcina isahlulo
Inkampani yeinshurensi yesalathiso ye-Ibex 35 yazise imakethi namhlanje ukuba iziphumo zayo zonyaka ka-2019 ziya kuthatha impembelelo eziphakathi kwe-130 kunye ne-140 yezigidi zeerandi ngenxa yesiphepho iFaxai neHagibis esenzeke eJapan ngoSeptemba nango-Okthobha. Kwaye, ukuya kuthi ga kwinqanaba elincinci, umonakalo oveliswe kwizidubedube zamva nje eChile.
Ezi ziganeko azinampembelelo ibalulekileyo kwisisombululo se-MAPFRE kunye namandla ekomkhulu. Ngesi sizathu, iBhodi yabaLawuli ye-inshurensi ivumile, ekuhambeni kwexesha, ukuba iphakamise kwiNtlanganiso yabanini zabelo Jikelele ukuze kugcinwe izabelo zango-2019 ngesixa esilingana naleyo yonyaka ka-2018. Eli xesha lonyaka libeyingozi ngokukodwa. IHagibis ithathwa njengeyona nkqwithela inkulu kwimbali yaseJapan kule minyaka ingama-70 idlulileyo. Ngaphezulu kwekhulu labantu abaphulukene nobomi babo ngenxa yengozi. Ixabiso eliqikelelweyo ngecandelo leinshurensi yezi ziganeko zombini lidlula i-100 yezigidi zeedola.
Impembelelo kwiiakhawunti zeshishini
Impembelelo yeMapfre ye-130-140 yezigidi iya kubonakala ikakhulu kwishishini lokuqinisekisa, kwaye ibalwe ngokokuqikelelwa okwenziwe yinkampani ngokusekwe kunxibelelwano lweenkampani zeinshurensi. Ngelixa kwelinye icala, oku kunyuka okungaqhelekanga kweendleko kuya kubangela uhlaziyo lwangoku Isicwangciso-qhinga 2019-2021. Iziphumo zolu hlalutyo ziya kuboniswa kwiNtlanganiso yaBanini-zabelo beQela ngoMatshi olandelayo.
Kungenxa yayo nayiphi na imeko imeko engakhange icwangciswe ngabahlalutyi abahlukeneyo bezemali. Ukuya kwinqanaba lokuba ayinakugwetywa ngaphandle ukuba kwixesha elifutshane ixabiso layo ekujoliswe kulo linokwehliswa kwaye ke linokuvelisa i- Ukutsalwa kwe-bearish ezinokuthatha izabelo zakho ziye kumanqanaba ajikeleze i-euro ezimbini kwisabelo ngasinye. Nangona kunjalo, ukuba le meko izalisekisiwe, iya kuba lithuba elihle lokuvula izikhundla kula manqanaba. Kuba iya kuba noxabiso oluqine ngakumbi kuneeveki ezimbalwa okanye iinyanga ezidlulileyo. Kwaye ke, ngamandla okuhlaziya aphezulu, njengokwamkela olu hlobo lomsebenzi kwiimarike zokulingana kwemali.
Imephu: isitshixo yi-2,80 euro
Ngayiphi na imeko, yonke into iyenzeka ukuba ingoyisa ukumelana okubalulekileyo okwangoku kumanqanaba ee-20 ze-euro. Iya kuba lithuba lokujika ukufikelela ngokupheleleyo kubume obukade unqweneleka ixesha elide kwaye othatha ixesha elide ukufezekisa. Okungakumbi kula maxesha emva kokubhengezwa kwesi 'silumkiso senzuzo' esikhokelele ekubeni izabelo zayo ziwe ngamandla amakhulu kwintengiso yesitokhwe. Ukuya kwinqanaba lokuba indawo enkulu yabatyali mali abancinci nabaphakathi bayazibuza ukuba banako na qhubeka uye ezantsi ukususela ngoku ukuya phambili.
Kwelinye icala, akukho nto ibaluleke kangako kukuba eli xabiso ligcinwe phantsi kwemida emxinwa kakhulu kwixabiso. Phakathi kwama-euro angama-2 ukuya kuma-2,90 Kwisabelo ngasinye kwaye kuvelisa ukuba akukho ntshukumo mikhulu kumthamo wayo wesivumelwano, ngaphandle kovuyo olukhulu kubatyali mali abathe kulo nyaka bangabonelela ngezibonelelo ekusebenzeni kweli xabiso kwicandelo leenkampani zeinshurensi. Ngelixa kwelinye icala, into eyigcina ngaphezulu kwe-2,30 ye-euro sisabelo esiphakamileyo esisasazekayo phakathi kwabanini zabelo.
Isivuno se-7%
Kwimeko nayiphi na into, enye yezinto ezikhuthazayo zomshuwalense kazwelonke kukuba ihambisa isahlulo ngenqanaba lenzala kufutshane ne-7%. Oko kukuthi, enye yezona ziphezulu kumvuzo oguqukayo wesizwe kwaye ingaphezulu kwezinye zeenkampani zombane ezifanelekileyo ze-Ibex 35. Ngeentlawulo ezimbini ezizinzileyo neziqinisekisiweyo minyaka le, nantoni na eyenzekayo kwiimarike zezemali. Njengoko kwenzekile ngoku ngefuthe elibi eliphakathi kwe-130 kunye ne-140 yezigidi zeerandi kwinzuzo yayo enokubakho yonyaka we-2019 ngenxa yezaqhwithi zamva nje eJapan.
Ke ngoko, sisiphakamiso kwimarike yemasheya esijolise ngakumbi kwiiprofayili zabatyali zimali zokuzikhusela ngakumbi okanye ukusika okulondolozayo. Kungenxa yokuba lelinye lawona maxabiso asebenzayo ngalo mzuzu ukwenza unaniselwano oluzinzileyo lokonga ixesha eliphakathi kwaye ingakumbi ixesha elide. Ngokukodwa, ngenxa yexabiso lemali kwindawo ye-euro, ebikade ikummandla ongalunganga ixesha elide, ime kwi-0%. Njengomphumo wale meko, iimveliso zebhanki azivelisi ngaphezulu kwe-0,25%. Ngamanye amagama, inokwenza umahluko obaluleke kakhulu ngokubhekisele kumanqanaba edipozithi yebhanki yexesha elimisiweyo.
Iimveliso zokonga
Ngenxa yolu mkhwa, iMapfre isungule imveliso ye- "PIAS 6M", imveliso entsha esindisa ubomi kunye nexesha elingenamda kunye nomdla ophinda ujongwe. Yinshurensi yokonga kwithuba elide enokuthi ikhontrakthi ngeprimiyamu enye okanye ngamaxesha athile, kwaye ikwavumela ukuba kwenziwe igalelo nangaliphi na ixesha. Esi siCwangciso sokuGcina isiCwangciso soMntu ngamnye (i-PIAS) siyilelwe ukuhlangula kunye neprofayili yolondolozo kwaye sinokunciphisa ukwehla kwinzuzo yezi mveliso zemali. Nangona iphuhliselwe ixesha elingaphezulu lokusisigxina kunezinye iifomathi.
Ngayiphi na imeko, le nkampani yeinshurensi ibandakanya uluhlu olubanzi lweemveliso ezinale mpawu kwisibonelelo sayo sangoku. Ngamaxabiso enzala aphakathi kwe-1% kunye ne-2,50%, kunye neemeko zesivumelwano sokulunga ngokubhekisele kwiimodeli zokonga eziphuhliswa ngamaziko emboleko. Ngokusebenzisa isindululo esaziwa ngokufana kakhulu kubume bayo kunye nenzuzo ebonelela kubanini bezi mveliso. Ngaphandle kwekhomishini okanye enye inkcitho kulawulo lwayo okanye kulondolozo ukukhuthaza abasebenzisi ukuba baqeshe ukusukela ngoku. Ngamanye amagama, iyakwenza umahluko obaluleke kakhulu ngokubhekisele kumanqanaba edipozithi yebhanki yexesha elimisiweyo.
Amathuba eshishini kwimarike yemasheya
Ibargains zikhona kwiiquities, kodwa zivela qho ngoku. Ukuba le yayiyeyona tonic iphambili ngaphakathi Iiparquets Bonke abatyali mali baya kuba neengeniso ezinkulu. Kwenzeka ntoni ukuba kunzima kakhulu ukuzibona. Abatyalomali abaninzi bakholelwa ukuba ukhuseleko olunamaxabiso aphantsi ngamathuba amahle okuthenga. Impazamo enkulu, kuba oku akunakuthelekiswa nokuthenga amathuba, kodwa bayacatshulwa ngelo xabiso ngenxa yezizathu ezininzi Kwaye lixabiso eliyalelwa yimakethi, kungabikho ngaphezulu okanye ngaphantsi. Oko kukuthi, ayikuko ukuba iMapfre yehlise amaxabiso ayo kwimarike yemasheya ebiza ixabiso eliphantsi kunangaphambili. Ukuba akunjalo, ngokuchaseneyo, le parameter ilawulwa zezinye izinto ezahlukileyo ekufuneka uzithathele ingqalelo.
Amathuba ngokuchanekileyo xa isitokhwe siwe kwixabiso ngaphandle kwesizathu okanye ngenxa yokukhohlisa okanye abarhwebi ukuba ngenxa yezizathu ezahlukeneyo utsala ixabiso uye ezantsi ukuze kamva uthenge ngexabiso eliphantsi. Ngokuqhelekileyo kwenzeka ngeempahla ezincinci kunye ne-cap-cap, kwaye nazo zinamanzi amancinci. Kukule mizuzu ichanekileyo xa imisebenzi yokuthenga inokwenziwa enokuba luncedo kakhulu kwimidla yabatyali mali kuba bacatshulwe ngezaphulelo ezibalulekileyo ngaphezulu kwexabiso ekujoliswe kulo. Ngobaluleko oluphezulu kwiinjongo.