Kukho inkolelo kwinxalenye elungileyo yabasindisi ukuba iimveliso zotyalo-mali kunye nokonga zinokwenziwa kuphela kwiibhanki. Oku akuyonyani njengoko iinkampani zeinshurensi zikwathengisa ezi modeli ukwenza ukonga kunenzuzo. Kwaye kwezinye iimeko nokuba iimeko ezingcono ekuqeshweni kwakho ngokubonisa ukuphucuka komyinge wenzala oqokelelweyo weshumi lepesenti yenqaku. Ngesithembiso esinamandla kakhulu nesineendlela ezahlukeneyo.
Ngayiphi na imeko, akukho nto ilunge ngakumbi kunokuthelekisa izindululo zelinye nelinye iziko kunye neinshurensi ukubonisa ukuba kufanelekile ukuba sibhalisele fumana ukusebenza okungcono ukususela ngoku ukuya phambili. Kuba kusenokubakho iyantlukwano ekufanele ukuba uyiqwalasele kwaye enokusinceda ukuba senze i-akhawunti yethu yokonga ibhalansi isempilweni ngakumbi ekupheleni konyaka. Ukuya kuthi ga kwinqanaba lokuba iinkampani zeinshurensi zikwaphetheyo kwintengiso yedipozithi yexesha elimisiweyo.
Ngelixa kwelinye icala, naphantsi kwamagama ahlukeneyo, zii-inshurensi ezikhoyo njengangoku ukubheja okucacileyo yonga imali ngendlela eyingeniso. Ngaphandle kwezinye izinto zobuchwephesha ezinento yokwenza nolwakhiwo lweemveliso ezithengiswayo. Apho, eyona njongo iphambili yabatyali mali abancinci naphakathi kukuphucula inzuzo yabo yokwandisa iiasethi zabo zobuqu okanye zosapho, oko kukuthi, emva kwayo yonke loo nto, kungantoni ngoku.
Iinkampani zeinshurensi: ukumiselwa
Iidiphozithi kunye neemveliso ezinxulunyaniswe nezabelo zamashishini ezingenanzala emisiweyo zezinye zeefomula uninzi lweinshurensi ezikhethileyo ukuba zifake ukonga kubathengi bazo. Ukuza kuthi ga ngoku ukuba bababonelele ngenzuzo ephakathi phakathi kwe-1,5% kunye ne-2,5%. Ngesixa esincinci esivela kwi-euro ezingama-5.000, nangona ungasoloko ufumana imveliso yezi mpawu kweli candelo kunye negalelo elingafuneki kangako, ngokubanzi ngemirhumo efikelelekayo ngakumbi evela kwi-1.000 euro.
Phantse zonke iinkampani zeinshurensi zibhaptiziwe kwesi sicwangciso sorhwebo ngesibonelelo esinokuthi sithathelwe ingqalelo njengobuninzi kunye ivulekele bonke abasebenzisi. Umahluko ezimbalwa kakhulu ngokubhekisele kwizindululo eziye zenziwa zizinto zebhanki ngalo mzuzu. Into engaziwa ngenxalenye elungileyo yabasebenzisi beli lizwe. Apho imveliso ethe ngqo njenge-inshurensi yokonga ayinakulityalwa. Ngembuyekezo yogcino lweepesenti ezi-2 ngonyaka.
I-inshurensi yokonga abantwana
Enye yezinto ezintsha ezinikezelwa ziinkampani zeinshurensi yintengiso yeinshurensi yokonga abantwana. Ngale ndlela, kufanele kukhunjulwe ukuba i-inshurensi yokonga umntwana inayo ngenzala eqinisekisiweyo ukusuka ekuqaleni ukuya ekugqibeleni, okuya kukunceda ujongane neemeko ezinje: iihambo zokufunda, ukuqala ikhondo lomsebenzi, ukuthenga imoto yakho yokuqala ...
Ngakolunye uhlangothi, enye yeenzuzo ezifanelekileyo kakhulu kukuba ekupheleni kwe-inshurensi, uya kuba nenkunzi eqinisekisiweyo kunye nesabelo senzuzo.
Ngayiphi na imeko, ukuhlangulwa kweinshurensi yeyona nto intsha ukusukela kunyaka wesibini, uya kuba nakho ukuhlangula imali eyinkunzi kwi-inshurensi yakho, nokuba yeyokugqibela okanye inxenye. Ngokumalunga neemeko zabo zokungena kwisivumelwano, kufuneka kuboniswe ukuba ubudala be-inshurensi yobudala iphakathi kweminyaka eli-1 ukuya kweli-10. Ngobuninzi bexesha lesivumelwano de umntwana afike kwiminyaka engama-21 ubudala. Kwaye apho ubuncinci bepremiyamu enye yale mveliso ikuluhlu olusuka kwi-1.000 ukuya kwi-1.500 euro. Ukwenza ibhegi yokonga ezinzileyo yexesha eliphakathi nelide.
I-inshurensi yotyalo mali
Le mveliso yenzelwe uluntu ngokubanzi, esele iphucula inzuzo enikezelwa ziidipozithi zebhanki zexesha elizinzileyo okwangoku. Ukonga okanye i-inshurensi yotyalo-mali ibonakaliswa kuba yimigaqo-nkqubo eqinisekisa Imbuyekezo ehambelana nenkunzi eya kuthi ifakwe ngexesha elimiselweyo ngaphambili. Le mali inkulu yokuqala kunye neenzuzo ezifunyenweyo zinokuphinda zifumaneke xa liphela ixesha. Umnini weinshurensi yokonga unokwenza igalelo elitsha kwikapitali yokuqala kude kube sekupheleni kwexesha elimiselweyo.
Ngelixa kwelinye icala, banazo izibonelelo zerhafu. Umzekelo, ngenxa yento yokuba ubuncinci iminyaka emi-5 idlulile okoko kwaqala igalelo lakho, umvuzo ofunyenweyo uxolelwe kwirhafu. Kwelinye icala, ngezi zicwangciso zokonga ungayifumana imali yakho nangaliphi na ixesha iphelele okanye iyinxalenye. Ukongeza, unokwenza igalelo lonyaka eliphezulu eliguqukayo kwaye unokufikelela ukuya kwi-10.000 euros ngokomyinge. Kwaye kwiimeko ezininzi idlula inzuzo ebonelelwa ziibhanki.
Inkampani yeinshurensi ibonelela
Ngeli xesha, izindululo esele ziphuhlisiwe zeinshurensi ziyanelisa ngakumbi ukukhusela umdla wabatyali mali abancinci nabaphakathi. Ngeemodeli zokonga ezinamandla ngakumbi kunye nezinto ezintsha kunalezo zidluliselwe kwiibhanki. Ngumahluko omncinci abanye iimeko ezifuna ngakumbi zokuhlala. Kwiimeko ezininzi, ngaphezulu kweenyanga ezingama-24 kwaye nangayiphi na imeko zivulekile kuzo zonke iiprofayili zomsebenzisi.
Kule meko, sisicwangciso-qhinga onokuthi usisebenzise ukusukela ngoku ukuphucula imida yokulamla ebuthathaka enikezelwa ziimveliso ezivela kwingeniso esisigxina. Apho ixabiso lemali likwezona nqanaba zisezantsi kunye nezembali ngenxa yesigqibo se-European Central Bank (ECB) ukubeka iqondo lenzala kwindawo ye-euro kwi-0%. Okanye yintoni efanayo, ngaphandle kwexabiso kwaye idluliselwa kwangoko kwiimveliso zebhanki ngenzuzo encinci.
Umahluko phakathi kweemodeli zombini
Ukuvavanya ikhontrakthi yezi mveliso kunye neinshurensi ethengiswa ziinkampani zeinshurensi, kuyakufuneka kungqinwe ukuba leliphi igalelo elifanelekileyo. Okokuqala, inzuzo yakho ephuculweyo eveliswe kwasekuqaleni. Apho kungekho mfuneko zongezelelweyo okanye ezizodwa ukufezekisa ezi njongo zifunwayo. Omnye umahluko usemigqalweni yokusisigxina edla ngokuba nde, nangona kuguquguquka ngakumbi ngokweendlela zabo zorhwebo.
Kwelinye icala, zinzima ngakumbi kwaye zilunge kakhulu ukuba zifunde ukuprinta okuhle kwesivumelwano. Ukuze ungabinayo enye into emangazayo ngexesha lokumiselwa ngokusesikweni. Ukongeza, oomatshini apho kulondolozwa khona okanye iimodeli zotyalo-mali zenziwe zahlukile kancinane kwaye kuyafuneka ukuba wazi oomatshini babo kunye nolwakhiwo. Apho, kuqhelekile ukuba kuzo unokufumana imali oyigcinileyo, iphelele okanye iyinxalenye kwaye uyibhatale imali kude kube ngumhla wokuhlawulelwa. Oko kukuthi, banikezela ngobutyebi obuphezulu obunomdla kakhulu kwiimfuno onokuthi ube nazo ukususela kumzuzu wobhaliso lwakho.
Ingxowa yokonga yexesha elide
Ngandlela thile, inokusebenza njengesicwangciso sokuphuhlisa ibhegi yokonga kancinci kancinci kwaye ngokusebenzisa igalelo lezoqoqosho onokuyenza. Ukuya kwinqanaba lokuba inokusebenza njengesixhasi somhlala-phantsi. Ukuba nengeniso yamaxesha ngamaxesha oncedisa ngayo ipenshini, ngakumbi ukuba yimbumbulu.
Kwelinye icala, awungekhe ulibale ukuba zenza isicwangciso esinamandla kakhulu sokuba namandla amakhulu okuthenga kwiminyaka yegolide. Ngenxa yoko ingqokelela yenkunzi Ikhutshwa inyanga nenyanga okanye unyaka kwaye ivelisa imbuyekezo encinci. Nangona kungagqithisi.
Ukurhweba ngemali
Ukuqesha ingxowa-mali yotyalo-mali yenye yezinto ezinikezelwa ngabaninzi beinshurensi, ekubonelela ngazo kuluhlu olubanzi lwezi mveliso kuxhomekeke kwiprofayili yomthengi ngamnye. Ngeli qhinga lotyalo-mali kunokwenzeka ukuba utyalomali ngenqanaba eliphantsi, eliphakathi neliphezulu lomngcipheko kwaye kwangaxeshanye ufumane imbuyekezo enomtsalane, ngenxa yokusasazwa kwingeniso engaguqukiyo kunye nokwahluka. Kananjalo, kunye neeprofayili ezilondolozayo, babonelela ngotyalo-mali lonke kwimali yemali, ebenza babe yindawo ekhuselekileyo yokulinda ukuze bakwazi ukubuyela kuyo ukhetho olunobundlongondlongo ngakumbi, xa abatyali mali baphinde bazithemba ngokupheleleyo kwiimarike zamasheya.
Ewe, i-inshurensi nganye iphuhlise uluhlu olwahlukileyo lweemali ezisekwe kuyo eyimali, exubeneyo, ingeniso eyahlukileyo, umvuzo ozinzileyo ... Ukwenza ikhontrakthi kuyo nayiphi na into akuyomfuneko ukuba wenze enye imveliso kunye ne-inshurensi, kodwa njengakumaziko emali, kuya kufuneka uye kwinkampani ekhethiweyo ukuze ubhalise ingxowa-mali elungele iimfuno zethu njengomtyali mali. Ngaphandle kwesidingo sokurhuma nawuphi na umgaqo-nkqubo okanye iimveliso ezineempawu ezifanayo. Zilawulwe ngokwahlukileyo ngokupheleleyo, kokubini kwiziqulatho nakwiziqulatho.