Umshuwalense wasekhaya (amafulethi, izindlu nezindlwana zasehlobo) - imiyalo yokuthi ungayiqinisekisa kanjani ifulethi noma indlu yezwe ngokumelene nomlilo nezikhukhula + izinkampani ze-TOP-7 lapho kunenzuzo ukuthenga umshuwalense

Sawubona, bafundi abathandekayo bephephabhuku i-Ideas for Life. Namuhla sizokhuluma mayelana nomshuwalense wasekhaya, okungukuthi: kungani udinga ukufaka umshwalense wefulethi noma indlu, evikela umshwalense wezindawo zokuhlala ezisemadolobheni nokunye.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Lesi sihloko asisisha, kepha siya ngokuya sihambisana kakhulu kulesi sikhathi samanje. Inani eliphakeme lezomnotho lempahla lenza izindlu nomhlaba zibe yinto ethandwayo yomshuwalense.

Kule ncwadi uzofunda:

• Kungani udinga ukufaka umshwalense ekhaya lakho;
• Yini eyenza izindleko zomshuwalense wefulethi, indlu (indlu yasehlobo) - izinto eziyinhloko ezithinta intengo yomshuwalense;
• Yiziphi izindlela, izimo, izinhlobo zomshuwalense wezezakhiwo okhona.

Sizobheka nemibono eyiphutha ehambisana nomshuwalense bese siphendula imibuzo ebuzwa njalo.

Lo mbhalo uzovusa intshisekelo yabafundi abahlukahlukene abanabanikazi noma abahlose ukuthenga izakhiwo. Ngakho-ke, unganqikazi ukuzijwayeza nayo ukuze ubale ubungozi obungenzeka futhi uthole iziphetho ezifika ngesikhathi.

Kungani udinga umshuwalense wasekhaya, ukuthi ifulethi lifakwa kanjani umshwalense emlilweni nasezikhukhuleni zomakhelwane, nokuthi kunenzuzo kangakanani ukuvikela ikhaya lakho (indlu noma indlu) - funda kulo magazini

1. Kungani udinga umshuwalense wefulethi, indlu noma indlu yasehlobo ☂ 🏠

Ukuvikelwa kwempahla ingumbandela oyinhloko wokusetshenziswa kwayo okufanele. Impahla yakho ungayivikela ngocingo oluphakeme, iminyango eqinile nezingidi, ufake izinhlelo zokuphepha nemigoqo emafasiteleni.

Kepha akunakwenzeka ukubona kusengaphambili zonke izinhlekelele zemvelo, ukwenzeka kwazo okungancikile kubanikazi. Ikona mayelana nemililo, izikhukhula, okudala omunye umonakalo kwizakhiwo... Umshuwalense uzokusiza ukuthi ubuyise umonakalo ekulahlekelweni kwempahla nasemonakalweni.

Umshuwalense wasekhayakuyindlela yendawo yonke yokuvikela impahla yabantu kanye nezinhlangano zomthetho uma kwenzeka umcimbi onomshwalense. Isimo sayo sezomnotho ukwakhiwa kwesikhwama somshuwalense ngenxa yeminikelo, ehloselwe ukukhokha, lapho kwenzeka izimo ezichazwe yinkontileka.

ERussia Federation, umshwalense oyimpoqo ukhonjelwe kuphela impilo yezakhamizi nezimoto. Zonke ezinye izinhlobo zingokuzithandela, kepha ingcebo ayidingi ukuvikelwa okungaphansi, izindleko zayo ziphakeme kunalezo zezimoto, futhi nomonakalo odalekile ungaletha izinkinga ezinkulu.

Ikakhulukazi, lokhu kusebenza kwizakhiwo, ezivakashelwa abanikazi ngokungajwayelekile - amakotishi, izindlu zezwe... Ubungozi bokulimala emakhaya azimele bungaphezulu kwamafulethi.

Umkhuba wamazwe aseNtshonalanga uphakamisa lokho uhlelo lomshuwalense kumele lusebenze kuyo yonke imikhakha yempilo, kufaka phakathi emakethe yezindlu. Bonke abanikazi nabaphathi bezezakhiwo banemigomo yomshwalense phesheya.

I-USSR nayo yayinohlelo lomshuwalense oluyimpoqo izakhiwo zokuhlala, dachas, izakhiwo, wayeka ukusebenza ngenxa yokuwa kombuso. Isimo somnotho esingazinzile ezweni, ukwehla kwezinga lokuphila labasebenzi kwenza ukuthi uhlelo lomshuwalense lungafinyeleleki kubanikazi abaningi.

Izibalo zikhomba ukuthi ekwakhiweni okujwayelekile kwemakethe, ingxenye yomshwalense wempahla ezimele ingaphansi kuka-5%. Leli nani lifaka umshwalense oyimpoqo lapho ukhipha imali ebanjiswayo, ngaphandle kwalokho inani belizoba liphansi kakhulu.

Izakhamizi zivame ukuthembela "ethubeni", zinethemba lokuthi akukho okuzokwenzeka ngempahla yazo. Amaphrimiyamu omshwalense awafakiwe ezindlekweni eziyimpoqo ezivela kusabelomali, ngaleyo ndlela bazichaya bona nemindeni yabo engozini yokushiywa ngaphandle "kophahla phezu kwamakhanda abo."

Kepha isimanjemanje sichaza imithetho emisha. Abanikazi banamuhla bemizi namafulethi abizayo bayaqonda ukuthi inani lamaphrimiyamu omshuwalense liphansi kakhulu kunenani lomonakalo ongaba khona. Lokhu kumane nje kuyindlela yokubonisa ukulahleka kwemali, kepha zingaki izingxabano kanye nokukhathazeka lapho inhlekelele yemvelo izothatha umnikazi wendawo? Ngakho-ke, eminyakeni edlule, imakethe yomshuwalense inenkambiso eyehla yenyuka.

Ngokwesibonelo:

Umnikazi wendlu yangasese esanda kwakhiwa, esefikile ukuzobheka impahla yakhe, wabona ukuthi umoya onamandla washayisa kanjani isihlahla esikhulu ophahleni lwendlu. Uphahla bekufanele lwakhiwe kabusha kusetshenziswa okonga kwabo, kubekelwe ukuvakasha komndeni okulindelwe phesheya. Ngomshwalense, isimo besingabi sibi kangako.

Noma ingekho imali yamahhala, kufanele wazi ukuthi ukutshalwa kwezimali okungenzeka kwempahla elimele kuzodlula ama-premium akhokhelwa kaningi. Umshuwalense uzosiza ukonga hhayi imali kuphela, kepha nempilo yomnikazi.

Izingozi ezinkulu ezivikelwa uhlelo lomshwalense yilezi:

• Ukulahleka kwempahla ngenxa yomlilo, ukuqhuma kwegesi, njll.
• Imiphumela yezikhukhula zezindlu ngenxa yezikhukhula, amafulethi ngenxa yokuxhumana kwakudala.
• Izinto ezisindayo (izihlahla, izinsika) eziwela ophahleni.
• Umhlobiso wangaphakathi wendawo, izinsiza, amapayipi.
• Ukuphanga, ukugqekeza.
• Ukulimala kwezinhlaka ezisekelayo ngenxa yokuncipha kwendlu.
• Isibopho komakhelwane ngomonakalo odalekile.
• Ukuvikelwa ekulimaleni kwezindlu eziqashisayo.
• Izinhlekelele zemvelo (umoya onamandla, isiteleka sombani, njll.).
• Izenzo ezingekho emthethweni njengezenzo zobudlwangudlwangu nokucekela phansi impahla.

Abanikazi bemizi yangasese bangaba nezingozi ezingeziwe:

• Lapho indlu iseduze nomgwaqo omkhulu, kungenzeka ukuthi imoto ingene endlini.
• Ukushisa kwesitofu, i-sauna.
• Ukulimala kobuso obungaphambili besakhiwo.

2. Izinhlobo eziyinhloko zomshuwalense wasekhaya - TOP-5 izinto zomshuwalense ezidumile 📋

Izinkampani zemishwalense, ukuze zithuthukise imakethe yezinsizakalo, zithuthukisa okuhlukahlukene izinhlobofuthi imigomoumshuwalense... Izinto zingaba yimpahla enganyakaziseki nehambisekayo yezakhamizi.

Amaklayenti ngokwawo akhetha inkampani kanye nephakheji edingekayo yezinsizakalo, ngokuya ngezidingo zomuntu ngamunye.

Izinto eziyinhloko zomshuwalense wezezakhiwo (imizi yangasese, amafulethi, njll.) Zifaka:

1) Izakhi zesakhiwo

Izakhiwo zesakhiwo (izakhiwo ezithwala umthwalo) wempahla yizindawo ezixhunyanisiwe zesakhiwo futhi ziyingxenye enkulu yenani eliphelele lekhaya.

Lokhu kufaka phakathi:

• Uphahla, izindonga, isisekelo.
• Ama-partitions, ama-lintels, amasayithi wokwakha.
• Okuchanyuselwa, izitebhisi, ama-vestibules.

Lezi zinhlaka zinezingcuphe ezilengisiwe kuphela ezindaweni ezinobungozi bokuzamazama komhlaba, kwezinye izakhamizi, ngenxa yobungozi obuncane, amazinga omshwalense awasho lutho.

2) Ukuhlobisa kwangaphakathi nemishini yobunjiniyela

Kumhlobiso wangaphakathi wezakhiwo faka phakathi ukwakhiwa kwamawindi, amaqabunga emnyango, ifenisha eyakhelwe ngaphakathi, isembozo saphansi, umhlobiso wodonga futhi uphahla.

Njengengxenye yemishini yobunjiniyela — ipayipi legesi, Ukushisa, amapayipi amanzi, indle, Ugesi wenetha.

Zonke lezi zinto ezingenhla zisengozini eyengeziwe. Bangabokuqala ukuhlupheka ngesikhathi somlilo noma sezikhukhula. Futhi cishe wonke umuntu uke wahlangabezana namapayipi avuzayo.

Umshuwalense onjalo uyathandeka ngemuva kokulungiswa okubizayo ukugwema izimo ezingathandeki ngokuzayo.

3) Impahla yasekhaya

Umqondo wezimpahla zasendlini uhlanganisa zonke izindawo zasendlini. Lezi yifenisha, ubucwebe, izinto zomuntu siqu, izinto zakudala, amakhompyutha, njll.

Banomshwalense wokulwa nokwebiwa, ukonakala, igebe, umlilo, ukucindezela kwemishini.

4) Isibopho somphakathi

Isibopho somphakathi sisho isikweletu komakhelwane ngomonakalo odalwe kubo. Uma kwenzeka umlilo, ukuqhuma kwamapayipi, hhayi kuphela impahla yabanomshwalense, kepha nomakhelwane bangase bahlupheke.

Isisulu kuzodingeka sibuyise, ngaphezu kobunikazi bendlu, kanye nempahla yomakhelwane. Lokhu kudala ukuphikisana nokuphikisana okuningi. Ungazivikela ngosizo lomshuwalense wezikweletu zomphakathi.

Ngokwesibonelo:

Ngaphambi komsebenzi, umshini wokuwasha wawukhanyisiwe, ukuze kuthi kusihlwa kube nelineni elilungisiwe elilungisiwe. Ukuvuza kwamanzi kwenzeke ngenxa yokwehla kwepayipi. Omakhelwane abangaphansi bagcwala amanzi. Kusihlwa, esikhundleni selineni elihlanzekile, uthola ukuhlangana nomakhelwane, izindleko ezengeziwe zemali yokubuyiselwa kokulungiswa nokulungiswa kweyunithi yabo. Uma kunesivumelwano somshuwalense, inkinga izoxazululwa ngokushesha futhi ngaphandle kobuhlungu.

Imvamisa isikweletu somphakathi sisebenza njengento eyengeziwe yomshuwalense kwinkontileka enkulu, kuyilapho ukwanda kwenani lomshwalense kwenzeka ngokungabalulekile.

5) Umshuwalense wesihloko

Umshuwalense wesihloko - lokhu ukuvikela ekulahlekelweni kwezinto ezibonakalayo zomtholi wempahla uma kukhona ukulahleka kobunikazi bakhe.

Lolu hlobo luyadingeka lapho kwenziwa isivumelwano sokutholwa kwempahla ebizayo kubunikazi. Isibonelo, lapho wenza isivumelwano semali mboleko.

Umshuwalense, njengomthetho, usetshenziswa lapho uthenga ikhaya emakethe yesibili. Sibhale ngalokho odinga ukukwazi lapho uthenga ifulethi kule ndatshana.

Izikhungo zezikweletu nazo zifuna umshwalense wetayitela ukuze kuncishiswe izingozi ezingaba khona uma kwenzekaengenanembeza»Ukuthengiselana lapho kwenziwa isivumelwano sesibambiso.

Ngochungechunge olude lokuthengiselana nezindawo ezithengiswayo (amafulethi, izindlu), esimweni lapho okungenani eyodwa yazo ingafaneleki, konke ukuthengiselana (ukuthengiswa okulandelayo nezivumelwano zokuthenga) akusebenzi futhi akusebenzi.

Ngokwesibonelo: Ukuthengwa kwezindlu, okuzobe sekufunwa yizihlobo eziseduze zomthengisi ezinelungelo lesabelo futhi ezingakunikelanga enqubeni yokuphothula isivumelwano sokuthenga nokuthengisa.

Uma umthengisi engakufanelekelanga ukungena esivumelwaneni sokuthengisa izindlu nomhlaba, izintshisekelo zabancane noma abanikazi bezakhiwo abangakwazi ukwenza umsebenzi bangase bangabhekwa.

Lolu hlobo lokuvikelwa luqinisekisa umthengi imbuyiselo kutshalo-mali, lapho izehlakalo zenzekaokuholela ekungasebenzini kwenkontileka yomshuwalense:

• Ukungabi semthethweni kwenkontileka yokuthengisa.
• Lapho ukuthengiselana kwenziwa ngumthengisi ongagunyaziwe.
• Uhlobo lwenkohliso lomsebenzi.

Namuhla uhlelo oludume kakhulu ngumshuwalense wempahla ebanjiswayo. Izikhungo zezikweletu zenza isidingo esiyimpoqo somshuwalense wezezakhiwo, onikezwa ibhange njengesibambiso. Lo mshuwalense wesikhathi eside usebenza kuze kube qedela ukukhokhelwa kwemali mboleko nokususwa kwezikhwama ezindlini.

Sibhale ngokuningiliziwe mayelana nemigomo yemalimboleko yendlu esihlokweni esithi “What is a mortgage loan”, lapho sichaze khona ukuthi ungayibala kanjani imali ebolekiswayo nokuthi yiziphi izinhlelo zempahla ethandwa kakhulu.

Isici somshuwalense wempahla eyehliswayo ukwehla kancane kancane ezindlekweni zenqubomgomo, lapho isikweletu sikhokhelwa emalimboleko. Impahla ivikelwe isikweletu esisele. Intengo emaphakathi ngu 0,15% kusuka kwisamba esivikelwe. Uma izindleko zefulethi 3 million ruble, umshuwalense omkhulu kanye nesihloko kuzobiza Izinkulungwane eziyi-15 zama-ruble. ngonyaka.

3. Izindleko zomshuwalense wasekhaya (amakotishi asehlobo) - izinto ezi-5 ezithinta intengo yomshuwalense wendlu yezwe 💰

Impilo iqukethe izingozi, akunakwenzeka ukuzivikela kuzo zonke izinkathazo. Ungakwazi kuphela zama ukunciphisa ubungozi bokwenzeka kwabo.

Imizi yangasese manje isiyizinto lapho kungatshalwa khona izinsizakusebenza ezincane. Ukulahleka kwabo kungaholela emiphumeleni emibi yezinto ezibonakalayo neyokuziphatha. Ukuba khona komshuwalense kuzosindisa abanikazi ekuphazamisekeni kwemizwa, kuzobavumela ukuthi basamukele ngokwanele isimo.

Intengo yomshuwalense wasekhaya incike ezintweni eziningi:ukukhetha inkampani yomshwalense nohlobo lokuvikelwa, ubukhulu bendlu nomhlaba, izindleko zobunikazi bendlu, njll.

Ake sicabangele izimo eziyinhloko ezinquma izindleko zomshwalense wezezakhiwo ngokuningiliziwe.

1) Ububanzi bezingozi eziqinisekisiwe

Ungaqinisekisa indlu yakho ngokuvikela izingozi ezilandelayo:

• Umlilo.
• Izikhukhula.
• Ukuqhuma kwegesi.
• Izinto eziwayo (izinsika, izihlahla).
• Izinhlekelele zemvelo (umoya, umbani, izikhukhula, njll.)
• Ukulimala.
• Izenzo ezingekho emthethweni (ukungena, ukweba, ukulinyazwa kwempahla).

Ngaphezu kwalokhu okuyinhloko, kunezinye izingozi ezinqunyiwe zekhaya elithile. Bathembele endaweni yayo, ukwesaba kwabanikazi.

Ngokwesibonelo, Usaba ukuphuma endlini uphume ubaleke ushiye emgwaqweni ungenazo izikhiye eduze komnyango ovaliwe. Inkampani yomshwalense izokhipha ukwesaba kuwe ngokubuyisela izindleko zomnyango ophukile.

Umshuwalense kungenzeka kuzo zonke izimo kanye nezingozi zomuntu ngamunye. Izindleko zincike enanini lezinto ezikhethiwe nakumaphesenti wamathuba okuvela kwazo.

2) Isetshenziswa kanjani indawo yokuhlala

Izakhiwo zokuhlala zakhiwe zombili zokuhlala unomphela kuzo nokusebenza ngezikhathi ezithile. Lapho uvakashela indlu ngezimpelasonto kuphela, ingozi yokungena noma yokulimala ekhaya iyanda, ukuba khona kwezinye izinto okuholela ekwenyukeni kwentela.

Isimo sezinhlelo zokusebenza (igesi, amanzi, amanethiwekhi kagesi) nakho kuyisici esinqumayo sezindleko zenqubomgomo.

3) Ukuba khona kohlelo lwe-alamu nokuvikelwa emlilweni, izikhukhula, njll.

Ukuqinisekisa ukuvikeleka ekugqekezweni nasemililweni yobunikazi bemizi, abanikazi bafaka ama-alamu, amakhamera okuqapha.

Ukuba khona kwalezi zinto kuqinisekisa inkampani yomshwalense ukuthi abanikazi abanandaba nesimo sekhaya, ngakho-ke inani lekhomishini liyancishiswa.

4) Izindleko zezinto zokwakha (ukwakhiwa nokuqedelwa)

Izindleko zomshuwalense zixhomeke ngqo ohlotsheni lwendlu: lokhuni, izitini, ibhulokhi, izinga lokuhlobisa kwalo, isimo sekhaya. Lapho izinto zokwakha ezibiza kakhulu, umsebenzi wokulungisa, ikhomishini iphakama.

5) Impilo yesevisi nesimo sendlu yezwe / indawo yokuhlala ehlobo

Izindlu ezindala / izindlu ezincane zasehlobo zisengozini enkulu, ngakho-ke izindleko zekhomishini yomshuwalense zivame ukuba ngaphezulu.

Izinkampani zemishwalense zivame ukusetha isikhathi sokuphila ukuze isakhiwo sibe nomshwalense ngaphansi kuka-50.

Imiyalo eningiliziwe, lapho isinyathelo ngesinyathelo kuhlelwa ukuthi ungayivikela kanjani ngokushesha indlu yakho, indlu noma ikotishi

4. Ungaliqinisekisa kanjani ifulethi, indlu noma ikotishi ngezinyathelo ezi-5 - imiyalelo yesinyathelo ngesinyathelo yabaqalayo 📝

Ukwazi ngezici nenqubo yokuphothula inkontileka, uzokwazi ukuvikela ikhaya lakho nje.

Izinkampani zemishwalense ziphila ngemali ekhokhwayo ekhokhwayo, ngakho-ke banesifiso sokunikela izinhlobo eziphezulu zokuvikelwa kwezindlu ezingcupheni.

Umnikazi kufanele ngokwanele hlaziya bese ukhetha izinhlobo ezamukelekile zomshuwalense.

Ama-ejenti anganikela ngokuqinisekisa ukuthi ikhaya likhona ngaphandle kokulihlola khona lapho. Banikela ngenkontileka ejwayelekile, iphakethe lomshuwalense elenziwa ngomumo, ngokuya ngenani lemakethe yekhaya.

Izindleko zokuthengiselana okunjalo zivame ukufaka izinsizakalo ezingenasidingo ezivele zenyuse amakhomishini.

Inketho engcono kakhulu ukuqedwa kwenkontileka ngemuva kokuhlolwa ngokuphelele kwempahla futhi incazelo yezinto ezithile zomshuwalense.

Ngiyathokoza ukwazi!

Emadolobheni amakhulu (eMoscow, eSt. Petersburg, njll.) Kukhona izinhlelo zomshuwalense emkhakheni wezindlu wedolobha wokuxhaswa kwezimali okubhekiswe emindenini. Isivumelwano senziwa ngamanani ancishisiwe akhokhwa kanye nezikweletu zombuso.

Ukuze uqiniseke ngokuvikela ifulethi lakho, indlu noma ikotishi lasehlobo, udinga ukuhamba ngezinyathelo ezimbalwa.

Isinyathelo # 1. Ukuhlaziywa kwezinkampani zomshuwalense

Kuyadingeka ukuthi ukhethe inhlangano esebenza ngokuzinzile emakethe, ibonge amakhasimende ayo, ikhokhele ukubuyiselwa kwemali ngaphandle kokulibaziseka kanye ne-bureaucracy.

Kukhona iningi lalezi zinkampani, kodwa kukhona nezinhlangano ezingenanembeza ezibeka inzuzo yazo kusivumelwano phambili. Ukuphendukela kubo, ungashiywa ungenakho okuphelele noma okuncane ukubuyiselwa kwezingozi eziqinisekisiwe.

Indlela esemqoka yokukhetha i-ejensi yomshuwalense:

• Ulwazi lomsebenzi jikelele emakethe yezezimali.
• Isilinganiso senkampani kuma-ejensi amakhulu.
• Ubumbano nokuqina kwenhlangano.
• Amanani avumelekile ngokwezomnotho.
• Ukutholakala kwezinhlelo ezikhethekile.
• Ukubuyekezwa kwenkampani yabangane, ezinkundleni zezingqikithi, amasayithi asemthethweni.

Vele, ukubuyekeza kudlala indima ebekiwe ekukhetheni, kepha kunikeza umbono jikelele wenkampani, isimo sengqondo ngamakhasimende.

Ngokwesikimu, amapharamitha wokukhetha amakhulu avezwa kuthebula:

№	Igama	Izinkomba
1.	Isipiliyoni somsebenzi	Kungcono ukhethe inhlangano ebisemakethe yezezimali okungenani iminyaka engu-5-6.
2.	Isilinganiso	Kunama-ejensi akhethekile ahlinzeka isilinganiso senjongo yazo zonke izinkampani zomshuwalense ngohlobo lomshuwalense, amaprimiyamu aqoqiwe, izinkokhelo
3.	Ukutholakala kwamahhovisi amele, inethiwekhi yegatsha	Lapho inethiwekhi yenkampani iba nkulu, isimo sayo sezimali sizinza kakhudlwana.
4.	Solvency	Ukutholakala kwesikhwama sesiqinisekiso, inani lezinkokhelo zemicimbi eqinisekisiwe. Le mininingwane yethulwa kumawebhusayithi asemthethweni ezinkampani.
5.	Ukutholakala kwezinhlelo ezikhethekile, ukukhushulwa	Lapho kukhulu ukuhlukahluka kwezinsizakalo ezinikezwayo, kuphakama isimo senkampani, ukuthembeka kwayo. Ukukhushulwa kwesizini kuzosiza ukunciphisa izindleko zensizakalo cishe cishe uhhafu.
6.	Ukubuyekeza	Izinkundla zezihloko zinganikeza ukuqonda ngenhlangano kumakhasimende athile. Okubalulekile qaphela ukuba khona kwemibono emihle nemibi.

Izinkomba ezinhle kakhulu inkampani yomshuwalense enayo, inokwethenjelwa ngokwengeziwe.

Isinyathelo # 2. Ukukhethwa kwezingozi zomshuwalense (okuyingxenye noma iqoqo)

Izindleko eziphelele zensizakalo zixhomeke kwinani lezingozi, ngakho-ke akukufanele ngaso sonke isikhathi ukuthenga iphakethe eligcwele lazo zonke izinsizakalo, noma ngabe linikezwa "ngesaphulelo".

Inketho engcono kakhulu ibhekwa njengokukhethwa kwezingozi ezingaba khona kakhulu ezisebenza endaweni ethile yokuhlala. Ekugcineni, lokhu kuzoholela emalini ephansi.

Ngokwesibonelo, I-dacha ivikelwe kuphela ukweba nokugqekeza. Njengengxenye yempahla ehambayo, kuphela izinto ezibiza kakhulu futhi ezingavamile kuphela ezinomshwalense.

Isinyathelo # 3. Ukulethwa kwemibhalo enkampanini yomshuwalense

Okulandelayo kufanele kuhanjiswe enkampanini yomshuwalense iphakethe lamadokhumenti:

• Idokhumenti eqinisekisa ubunikazi nokubhaliswa kweklayenti;
• Izitifiketi zobunikazi befulethi, indlu, ikotishi, isiza somhlaba;
• Amapasipoti wezobuchwepheshe we-real estate;
• Ukulinganisa okuvela enkampanini yokuhlola (kwesinye isikhathi izinkampani ziyazihlola ngokwazo);
• Lapho ufaka inshuwalense efeni lendlu - isivumelwano semalimboleko.

Ukugcina ukuncintisana, izinhlangano zinentshisekelo kumakhasimende, ngakho-ke isethi yamadokhumenti incane; wonke umnikazi wendawo unakho.

Isinyathelo # 4. Ukuhlolwa kwempahla ngumenzeli

Ukonga imali yakho, kungaba ngcono ukumema umenzeli ukuthi azozibonela mathupha impahla ukuthola izingozi ezingaba khona. Uzokwakha inani elihlolwe lempahla, atshele ngokuningiliziwe ngokutholakala kwezinhlelo zomshwalense ngamunye, ukukhushulwa kanye namabhonasi.

Uma wenza umshwalense ngaphandle kokuya kuleyo ndawo, kuzofanele ukhokhe imali ethe xaxa, futhi nenani lokutholakala ngobungozi obuvelile kungenzeka incane ngokungalindelekile.

Isinyathelo # 5. Isiphetho senkontileka

Ukuze uzisindise ezimangalisweni, udinga ukuthi ufunde ngokucophelela imigomo yenkontileka yomshuwalense, wonke amaphuzu abhalwe ngokuncane.

Kufanele uqiniseke ukuthi lapho kwenzeka umcimbi onomshwalense, isinxephezelo sizogcwala futhi siphuthume.

5. Ubiza malini umshwalense wefulethi nendlu yezwe (indlu yasehlobo) 💸 🗒

Inani eliphelele lomshuwalense lilodwa, kuya ngezici eziningi nezingozi ezikhethwe ngumnikazi.

Izici eziyinhlokoezinquma intengo yomshuwalense wefulethi noma indlu yilezi:

• Inani lemakethe lobunikazi bendlu;
• Ubukhulu bezindlu: indawo yayo, inani lezitezi (zezindlu);
• Zingaki izingozi ezikhethiwe;
• Isikhathi;
• Inani lembuyiselo (likhethwe ngokuzimela).

Izindleko zokuqinisekisa indlu yezwe ingaba kusuka kuma-ruble ayizinkulungwane ezimbili, amafulethi Ama-ruble ayizinkulungwane ezingama-3-5, indlu yangasese - Izinkulungwane ezingama-3-10 ngonyaka.

Kuzici zomshuwalense wasekhaya ngamunye Kusho ukuthi lezi zinto zinomshwalense ngokuphelele... Akunakwenzeka ukuqinisekisa umhlobiso wangaphakathi wendlu. Lokhu kuholela kumanani aphezulu. Izinga elijwayelekile lomshuwalense wasekhaya ngu kuze kufike ku-0.3% kusuka ezindlekweni zezindlu.

Kunezici ezinyusa izinga lesisekelo: uma indlu inezitezi zokhuni, izinga linyuka ngo-0.1%, ukuba khona kwezitofu nezindawo zomlilo kwandisa umshuwalense kusuka ku-0.2%, futhi ukuhlala ngezikhathi ezithile endlini nakho kukhuphula izinga lesisekelo ngesilinganiso esingu-0.1%.

Okubalulekile! Ukwehla komshwalense kungaba ngokuvikelwa kwendlu okuhle, ukuba khona kwe-alamu, iminyango eqinile, imigoqo emafasiteleni.

Impahla ivikelwe ngokwehlukana, umshwalense uyiyo kuze kufike ku-4% inani layo.

Ngokwesibonelo: Umshuwalense wendlu yamapulangwe enesitofu, inani lazo lemakethe eliyizigidi eziyisithupha, lizoba cishe izinkulungwane ezingama-60 ngonyaka ngenani eliphansi.

6. Lapho ungavikela khona indawo yokuhlala kanye nendlu ngemibandela evumayo - Izinkampani zomshuwalense TOP-6 + 1 ezinikezwa okuhle

Siphakamisa ukuthi uzijwayeze isilinganiso sezinkampani zomshuwalense ezinikezela ngezinsizakalo zomshuwalense wezindlu nezindlu.

Ngokwesilinganiso se-ejensi "Isazi RA" izinkampani ezihamba phambili zomshuwalense wasekhaya, ezilinganiswe nge- "A ++", yilezi:

№	Igama	Inani lezethulo zezifunda, amagatsha, amahhovisi
1.	I-Rosgosstrakh	3000
2.	I-VSK	840
3.	Isiqinisekiso se-RESO	800
4.	Umshuwalense we-Alpha	300
5.	Ingosstrakh	182
6.	UMax	88

+ izinsizakalo zomshuwalense ezivela ebhangeI-Sberbank»

Ake sihlolisise inkampani ngayinye yomshuwalense nezinsizakalo zayo zomshuwalense wasekhaya.

1) IRosgosstrakh

Inenethiwekhi ebanzi kakhulu futhi ibisebenza emakethe yezezimali iminyaka engaphezu kwengama-88. Inezikhungo zayo zokuHlaliswa kwezimangalo, lapho kunikezwa khona usizo lwezomthetho nolwezengqondo kubantu abasezimweni ezinzima zempilo.

Phakathi kwezinhlelo ezithandwayo - umshuwalense wokuzithandela wendlu, ifulethi, enye impahla, isihloko, njll.Ukuhlinzeka ngezinsizakalo ku-inthanethi.

Izinhlelo ezidumile zomshuwalense wasekhaya zifaka:

"Indlu yaseROSGOSSTRAKH" ACTIV " - Umshuwalense wezindlu ezijwayelekile ezizimele ezisezindaweni zokuhlala, emaphandleni, emahlathini engadi. Izingozi eziyisisekelo (umlilo, izikhukhula, ukuqhuma, izenzo ezingekho emthethweni zabantu besithathu, ukushayisana kwezimoto, izinhlekelele zemvelo) zivikelekile unyaka owodwa.

"ROSGOSSTRAKH House" Udumo " - umshuwalense wezindlu ze-elite.

"Impahla elungisiwe" - umshuwalense wokuhlobisa kwangaphakathi, imishini yobunjiniyela, impahla kanye nesikweletu somphakathi sezindlu.

Lolu hlobo lomshuwalense luvikela ubungozi bomlilo, ichweba, ukweba. Imali ekhokhwayo ingeyodwa entweni ngayinye. Izindleko ezimaphakathi zomshuwalense kusuka kuma-ruble ayizinkulungwane ezinhlanu kuya kweziyisithupha.

"Impahla yomuntu ngamunye" - kusho ukufakwa kobungozi obengeziwe ephaketheni lempahla engaguquki: izakhi zesakhiwo, ukuqeda kwangaphandle.

2) Indlu Yomshwalense we-VSK

Usebenze emakethe yezezimali iminyaka engu-25. Izinsizakalo zomshuwalense wamafulethi, izindlu nezinye izindlu zokuhlala zisezingeni eliphambili lenkampani yomshuwalense.

Izinhlelo ezidumile zomshuwalense:

• Umshwalense weholide we-Express ngumshuwalense wesikhashana wesikhathi esifushane.
• I-Turnkey - iphakheji enkulu.
• Ukuvikelwa okukhulu - iphakheji enwetshiwe.
• Umshwalense wokuqasha indlu.
• Ukuvikelwa kokonakaliswa kwempahla yomakhelwane.
• Indawo yokutshala izimali - imibandela yomshuwalense yamakhasimende. Silindele ukuthengiswa kwekhaya.

Impahla ibalwa yinkampani mahhala, imali ekhokhwayo ingakhokhwa ngezitolimende.

Kungenzeka uthathe umshwalense wefulethi, indlu noma ikotishi lasehlobo online.

3) I-RESO-Guarantee

Isipiliyoni seminyaka engama-25 emakethe yezezimali. Lapha ungaqinisekisa ifulethi, indlu yasehlobo noma indlu ngokumelene nomlilo nezikhukhula.

Uhlelo oludumile "Brownie", ngephakheji ehlukile yezingozi: I-Premium, Express, Umnotho, Okuthandayo.

Uhlelo "HLAWULA INDLU»Inikeza ukuvikeleka kwezindlu zezwe, izindlu zokuhlala zasehlobo, iziza zomhlaba, amafulethi.

Isibonelo, lapho ufaka indlu yomshwalense wezindlu eziyizigidi ezingama-6.5 (ubungozi obuyisisekelo), umshwalense uzokhuphukela kuma-ruble ayi-19.6 ayizinkulungwane, umshwalense wothango wezinkulungwane eziyi-150 uzokhuphuka kuma-ruble ayizinkulungwane ezingama-0.6.

Umshuwalense wezikweletu zomphakathi kanye nomshuwalense wempahla.

Ilungu le-All-Union Union of Insurance, i-Russian Union of Auto Insurers, njll. Lapha ungaphinda uvikele imoto noma enye impahla uma kudingekile.

Le nkampani njengamanje isebenza ukunciphisa intela. Izindleko zesevisi zehlisiwe ku-10%.

4) Umshuwalense we-Alpha

Usebenze iminyaka engaphezu kwengu-10. Omunye wabaholi abahlanu bemakethe yomshwalense ovulekile, i-All-Union Union of Insurance.

Ohamba phambili esilinganisweni sekhwalithi yesevisi yamakhasimende.

Izinhlelo ezidumile:

• Lungisa umshuwalense.
• Ukuvikela omakhelwane.
• "Yize isikhukhula" (iphakethe eliyinkimbinkimbi lezingozi - amanani, ukulungiswa, ukuhlobisa, isikweletu sombuso).
• Ukuzola.

Ihlukile ekukhokheni okusheshayo kwezimangalo zomshuwalense, ungathenga inqubomgomo online.

5) Ingosstrakh

Usebenze iminyaka engaphezu kwengu-70. Inokulinganiswa okuphezulu kwamandla wezezimali ngombono oqondile. Inikezela ngezinhlelo ezingaphezu kwemi-20 zomshuwalense.

Imikhiqizo ethandwayo yomshwalense wezindawo zokuhlala yile:

• I-Platinum - iphakethe eliphelele lesikhathi sezinyanga ezi-3.
• Ukuvakasha kuyinqubomgomo yesikhashana.
• Inkululeko.
• I-Express ingumshwalense owongayo.

Kunezethulo emazweni aseduze nakude phesheya.

6) Ubukhulu

Usebenze ezimakethe zomshuwalense iminyaka engu-25. Inikeza izinketho eziningi kakhulu zomshuwalense wezezakhiwo: amafulethi, izindlu nezinye izindlu, isikweletu, amalungelo empahla. Ayikho imikhawulo ekukhokhelweni kwezinto "zezinhlaka ezisekelayo", "ukuqeda".

Izinhlelo ezidumile:

• Indlu... Izingozi eziyisisekelo zibandakanya ukuqhuma kwegesi, isiteleka sombani, izindiza eziwayo nokungena kwezimoto. Iphakheji enwetshiwe ifaka izingozi ezilandelayo: IGulf, izinhlekelele zemvelo, ukuhlaselwa komuntu wesithathu.
• Indlu... Izingozi ezilandelayo zinomshuwalense: umlilo, ukuqhuma kwegesi, igebe, izinhlekelele zemvelo, ukuphoqa ngamandla, izenzo ezingekho emthethweni.

7) I-Sberbank

Ibhange elikhulu kunawo wonke ezweni lethu. Inkampani kahulumeni inikeza izinsizakalo ezahlukahlukene zokuqinisekisa izindlu zokuhlala (amafulethi, izindlu).

Umkhiqizo omkhulu emkhakheni womshuwalense wasekhaya ifulethi noma indlu yomshuwalense "Ukuvikelwa kwekhaya»

---

Sibuyekeze ezinye zezinkampani zomshuwalense ezidumile ezinikeza izinsizakalo zomshuwalense wasekhaya.

Funda inkontileka yomshuwalense ngokuningiliziwe futhi ufunde ngokucophelela imibandela nezinkokhelo uma kwenzeka kuba nomshuwalense.

7. Ungonga kanjani kumshwalense wasekhaya - amathiphu we-TOP-5 💎

Ukuvikelwa ekhaya ezingozini ezingaba khona kungumsebenzi oyinhloko womshuwalense. Kungcono ukusebenzisa imali encane kumshwalense ukugwema izinkinga ezinkulu ngokuzayo.

Amathiphu avela kochwepheshe azokusiza ukonga imali yakho, ngenkathi uzihlinzeka ngokuvikelwa okuphezulu:

Ithiphu 1. Umshuwalense wezinhlelo ngazinye

Lolu hlobo lomshuwalense lunikeza ithuba lokukhetha ngokuzimela izingozi kanye nenani lezinkokhelo zabo. Lokhu kusivumela ukuthi sinake zonke izidingo zomuntu ngamunye zeklayenti.

Umenzeli uhlola impahla ngesikhathi sokuvakasha komuntu siqu, enquma inani langempela lemakethe, lokhu kuqinisekisa inkokhelo eyanele uma kwenzeka umcimbi onomshwalense.

Amanani wezinhlelo ngazinye ngaphansi kwesilinganiso, okuchazwa ukuthi inani lezingozi ezifakiwe kunqubomgomo lihlobene ngqo nezindleko zomshuwalense.

Ithiphu 2. Ukuvikela ikhaya lakho

Ama-ejenti, ahlola ifulethi, indlu yangasese, i-dacha, anake ubukhona bezinhlelo zokuvikela impahla. Kubandakanya ukuba khona kwama-alamu omlilo nabokugqekeza, amakhamera okuqapha, ukuba khona kwemigoqo emafasiteleni, isimo sezingcingo nezakhiwo zokukhiya, njll.

Ukufakwa kwezinhlelo zokuphepha kuzodinga utshalomali olungeziwe, kepha kuzokhokha, kuzokhuphula isimo sezindlu... Lokhu kuzoholela ekwehleni kwentela futhi, ngomshwalense wesikhathi eside, kuzokhokha.

Ithiphu 3. Ukukhetha izingozi

Ukuba khona kwezikhundla ezithile zomshuwalense kufanele kunqunywe yiklayenti ngokuzimela. Izingozi ezingafanele kufanele zikhishwe kuphakheji yesevisi.

Ngokwesibonelo, uma indlu ibekwe kude nomgwaqo, kungani uyiqinisekisa ngokungena kwezimoto zabanye abantu?

Ukuze usabalalise ngempumelelo ubungozi, kuyadingeka ukuthi ufunde imininingwane mayelana nezibalo zokutholakala kwezingozi ezithile, ukwakheka kosongo oluthile.

Ungaxhumana nochwepheshe (okhishwa ngaphandle), uzokusiza bala ubungozi entweni ngayinye ethakazelisa umninipholisi, izonikeza ukukhetha kwezinhlelo ngazinye.

Ithiphu 4. Thola izinga lokubamba iqhaza kwabanomshwalense engozini

Ukuba khona kwe-franchise esivumelwaneni kukuvumela ukuthi wonge imali yomshuwalense. Kulokhu, umshwalense ukhululiwe ekukhokheni umholo womshuwalense ngenani elithile.

Ngokwesibonelo: Uma kwenzeka umcimbi oqinisekisiwe, ukukhokhela umonakalo ku- Ama-ruble ayizinkulungwane ezingama-200. usungule i-franchise ngaphansi kwesivumelwano enanini 5 %... Inkampani yomshwalense ikhokha ama-ruble ayizinkulungwane eziyi-190 kuphela, kanti izinkulungwane eziyi-10 ezisele zikhokhwa ngabanomshwalense ngezimali zabo.

Ithiphu 5. Usebenzisa umshwalense wesikhashana

Isivumelwano sesikhathi esifushane yisivumelwano esenziwe kuze kube unyaka. Ngokwezibalo, isikhathi esiyinhloko sokwenzeka kwemicimbi yomshwalense yihlobo, lapho usongo lwemililo, izikhukhula nokweba landa. Lokhu kungenxa yokungabikho kwababungazi ngesikhathi seholide.

Ukunciphisa izindleko kuzovumela umshuwalense wasekhaya weholide... Ngamagama ahlanganisiwe, kuzobiza ngaphansi kwenkontileka yesikhathi eside. Ngaphezu kwezingozi ezinkulu, kubalulekile ukufaka umthwalo komakhelwane.

8.6 amaphutha amakhulu-ukukhohlisa lapho ufaka inshuwalense efulethini / endlini emlilweni, izikhukhula, ukwebiwa ⚠

Imvamisa, abanikazi bezinqubomgomo benza amaphutha lapho bebala umshuwalense nakwezinye izindawo lapho benza isivumelwano somshuwalense wendlu yangasese. Ukuze ubagwebe, cabanga ngabaninipholisi abavame kakhulu abanamaphutha.

Iphutha 1. Izindleko eziphakeme zenqubomgomo

Abathengi abangaqondi ubunzima bomshuwalense bathola ukuthi umshwalense wasekhaya uzobiza kakhulu ibiza kakhulu amafulethi. Yilapho ukuhlangana kwemiqondo emibili kwenzeka khona: isihlokofuthi impahla umshuwalense.

Umshuwalense wesihloko ingenye yezinhlobo zezinkontileka ezibiza kakhulu, inani lazo lincike kunani lemakethe yendawo.

Lapho kwenziwa isivumelwano kuphela somshuwalense wempahla, inani lizoba liphansi kakhulu. Inani lenkontileka lizonqunywa ngokuya ngezindleko ezilinganisiwe zomsebenzi wokubuyisela.

Ngakho-ke, ngaphambi kokuphela kwenkontileka, kuhlaziywa yonke imibandela yesiphetho sayo, ukuthi ubaluleke kangakanani umshwalense wetayitela lapho uthenga ifulethi noma indlu entsha.

Sincoma ukufunda i-athikili ngokutshalwa kwezindlu, lapho izinzuzo nezingozi zokutshalwa kwezindlu kungachazwa ngokuningiliziwe.

Futhi, izindleko zenqubomgomo zithinteka ngumshuwalense ophelele wasekhaya, onikezwa abomshwalense. Izindleko zomshuwalense zincike enanini lobungozi obufakwe kwinkontileka.

Izinkampani eziningi zinikela ngezinhlobo ezahlukene zezinhlelo:

• Ezomnotho.
• Ilungile.
• Ubukhulu.

Iphutha 2. Umshwalense ophelele wokulimala kokweba

Iphakethe elijwayelekile lezingozi lifaka umonakalo ezakhiweni nasekuxhumaneni kwangaphakathi. Uma iklayenti lifuna ukuvikela indlu ngokwebiwa, lokhu kufanele kwenziwe ngokusemthethweni kwinkontileka ehlukile noma kufakwe ohlelweni oluphelele lwezokuphepha.

Ngiyathokoza ukwazi!

Uma kwenzeka umonakalo obangelwe yiphutha lomninipholisi, umshwalense unelungelo lokwenqaba ukukhokha inhlawulo yomshuwalense.

Iphutha 3. Umshuwalense wasekhaya uvikela ngokuphelele ezinhlekeleleni zemvelo

Leli qiniso alinakuphikwa uma kufakwa esigxotsheni sazo zonke izinhlobo zezinhlekelele zemvelo ezingalimaza ikhaya. Isinxephezelo sizokhokhwa kuphela lapho kukhona isigameko esithile kunqubomgomo.

Uma indlu ibivikelekile ngomonakalo odalwe yimimoya enamandla, kepha uphahla luhlatshwe imvula ngesimo sesichotho, akekho ozokhokha umonakalo.

Iphutha 4. Akunakwenzeka ukuqinisekisa umhlaba

Izindleko zesiza somhlaba, ikakhulukazi eduze kwedolobha elikhulu, zibalulekile, ngakho-ke le ndawo ingavikeleka futhi kufanele.

Izingozi ezinkulu yilezi:

• Ukuqhuma komlilo, ukuqhuma, ukuxhumana.
• Ukuzamazama komhlaba, izikhukhula, ukuguguleka kwenhlabathi.
• Ukungcola kwenhlabathi ngenxa yezinhlekelele noma izingozi.
• Ukuwa kwendiza.
• Izenzo ezingekho emthethweni.

Kunezingozi zokukhukhula ungqimba lwenhlabathi oluvundile, ukulimala ekwakhekeni kwezwe. Afakiwe kunqubomgomo ngokucela komninipholisi, okuzoqinisekisa isinxephezelo ngomonakalo uma kwenzeka umcimbi onomshwalense.

Ingcuphe ebaluleke kakhulu ibhekwa njengokulahleka kobunikazi besiza.... Ngokwezibalo, abanikazi bomhlaba abavamile ukusebenzisa insizakalo enjalo. Lokhu kungenxa yokuthi amathuba alezi zigameko ezenzekayo awankulu.

Iphutha 5. Umshuwalense wasekhaya uvikela ngokuphelele ekulimaleni komlilo

Uma, ngesikhathi sokubhaliswa kwenqubomgomo, ukuhlolwa kobungcweti kwenani lemakethe lemizi yangasese kungazange kwenziwe, inani lokukhokha lizobalwa ngokususelwa kunani lokufaka esikhundleni salo. Lokhu kuphakamisa ukuthi inani elikhokhelwe yinkampani ngeke likhokhele izindleko zomsebenzi wokulungisa. 100%.

Ngaphezu kwalokho imbangela yomlilo kumele ibonwe. Uma indlu ishile ngenxa yobudedengu babanikazi, ngeke kube nankokhelo. Ngakho-ke, noma ngabe ingozi yokuvikelwa komlilo ifakiwe kunqubomgomo, kuyadingeka ukuthi kubhekwe amasu okuphepha emlilweni futhi azi kahle imigomo yenkontileka yomshuwalense.

Iphutha 6. Kungani uqinisekisa indlu uma ukwazi ukuyinikeza ngokwakho

Ungafaka i-alamu yesimanje, ulengise imigoqo emafasiteleni bese uxhuma izakhiwo eziqinile ezikhiywayo, ungalengisa ikhamera yokuqapha ividiyo endlini nasendaweni, kepha unikeze iziqinisekiso zokuphepha okuphelele kobunikazi bekhaya akunakwenzeka.

Isibonelo, akunakwenzeka ukubikezela ukungena kwemoto yomunye umuntu endlini, umlilo ovela esifundeni esifushane ezintanjeni, izinhlekelele zemvelo, njll.

Umshwalense kuphela ongakhokhela imiphumela uma kwenzeka amacala athile.

9.Imibuzo Ebuzwa Njalo (i-FAQ) Kumshwalense Wasekhaya 🔔

Lapho uthatha isinqumo sokuqinisekisa ifulethi, indlu, isakhiwo somhlaba, kuphakama imibuzo eminingi. Izimpendulo kokuthandwa kakhulu zinikezwe ngezansi.

Umbuzo 1. Uyini umshuwalense wetayitela langempela?

Umshuwalense wesihloko usho ukuvikelwa engcupheni yokulahlekelwa itayitela ngenxa yokuthengiswa kwezindlu.

IsihlokoIdokhumenti eqinisekisa ubunikazi. Kulesi simo, akunakubhekwa ukuthi noma yikuphi ukulahleka kwesihloko kungumcimbi oqinisekisiwe.

Isibonelo, uma impahla ilahlekile emlilweni, kuqhuma, noma ekucekelweni phansi ngenhloso, umshuwalense wetayitela ngeke umboze ukulahleka.

Lolu hlobo lomshuwalense luyimpoqo lapho uthola imali mboleko yempahla, uthenga ikhaya emakethe yesibili.

Imvamisa ukuthengiselana kokuthengwa nokuthengiswa kwendlu eyodwa noma indlu okuphindiweuma umthetho wephulwe kanye eketangeni, konke okwenziwayo okulandelayo kuthathwa njengokuyize nokuyize. Kulokhu, umshuwalense wesihloko uzosiza.

Izizathu eziyinhloko zokulahleka kwamalungelo empahla zifaka:

• Ukwephulwa kwamalungelo abantu besithathu (izingane, ukukhubazeka, izindlalifa, njll.).
• Ukwenza ukuthengiselana kwangaphambilini kwephula umthetho.
• Ukungafaneleki kokuthengiselana.
• Uhlobo lwenkohliso lomsebenzi.

Imali yentengiselwano ngu kuze kufike ku-1% kusuka kwisamba esivikelwe.

Umbuzo 2. Yini okufanele uyenze lapho kwenzeka umshwalense?

Lapho kwenzeka umshwalense, kufanele uthathe isinyathelo ngokushesha.

Izinyathelo eziyinhloko okufanele zithathwe yilezi:

Isinyathelo 1. Thatha izinyathelo zokunciphisa umonakalo (ukucisha umlilo, ukuvala amanzi, njll.)

Uma kungenzeka, gcina futhi ulondoloze impahla enomshwalense ukuze ungabi sibi kakhulu isimo sayo.

Isinyathelo 2. Yazisa abezimo eziphuthumayo

Shayela ngokushesha abezimo eziphuthumayo:

• Ukushayela ucingo olulodwa kwabezimo eziphuthumayo kusetshenziswa iselula - 112.
• Uma kwenzeka umlilo - 01, 101.
• Uma kwenzeka ukuqhuma kwegesi yasendlini - 04, 104.
• Uma kwenzeka kuba nesikhukhula, ukugqashuka kwezinhlelo zokusebenza - ukubizelwa izinsizakalo zokusebenza - umnyango wezindlu, inkampani yabaphathi, inhlangano yabanini bamakhaya.
• Uma kwenzeka izinhlekelele zemvelo - eMnyangweni Wezimo Eziphuthumayo.
• Uma kwenzeka kwebiwa, ukucekelwa phansi - kubomthetho.
• Uma imoto ingene endlini, iya emaphoyiseni omgwaqo.
• Uma kunesidingo, i-ambulensi - 03, 103.

Isinyathelo 3. Thinta inkampani yomshuwalense

Kungakapheli izinsuku ezintathu, thintana nenkampani yomshuwalense ukwazisa ngokwenzeka komcimbi onomshwalense bese uthola izeluleko ngokuqhubekayo. Qoqa lonke ulwazi olungaphambili mayelana nomonakalo.

Isinyathelo 4. Uma kungenzeka, ungathinti lutho kuze kulotshwe umonakalo

Kuze kufike abamele inkampani yomshwalense, ungathinti lutho (uma kungenzeka).

Ngaphandle kwemvume ebhalwe phansi yomshwalense, umuntu akanakunikeza imvume ekuxazululeni izingqinamba ngesinxephezelo sokuzithandela sokulahleka komuntu onecala.

---

Uzodinga ukulungisa inkontileka yomshuwalense, inqubomgomo, irisidi lokukhokha iminikelo, umazisi. Kuzodingeka futhi nokuthi kulandwe izitifiketi kuziphathimandla ezifanele ukuze kuqinisekiswe ukwenzeka komcimbi ngokuqinisekiswa kwenani lomonakalo odalekile.

Umbuzo 3. Yini embozwa umshwalense wefulethi, indlu yezwe, njalonjalo?

Akunakwenzeka ukuvikela ngokuphelele ikhaya lakho ezingozini ezingalindelekile. Umshuwalense kuphela ozosiza ngalokhu.

Ayini amafulethi, izindlu zezwe namakotishi avikelwe - izingozi ezinkulu

Izingozi ezinkulu izinkampani eziqinisekisa ukuthi zikhona yilezi:

1. Umlilo;
2. Ukuqhuma;
3. Izikhukhula;
4. Isiteleka sombani;
5. Ukubhujiswa;
6. Izinhlekelele zemvelo ezinjengalezi: isiphepho, ukuzamazama komhlaba, izikhukhula, imvula enamandla, iqhwa elinzima;
7. Ukweba, ukuphanga, ukubamba inkunzi;
8. Ukucekela phansi ngamabomu (ukulinyazwa kwempahla) ngabanye abantu;
9. Isenzo sobuphekula;
10. Ukungena koketshezi efulethini okuvela kwamanye amakamelo okungewona awakho;
11. Amanye amacala ashiwo emithethweni yomshuwalense, kuya ngenkampani yomshuwalense ekhethiwe.

Ungakhetha izingozi ezimbalwa, noma uvikele ikhaya lakho kuzo zonke izimo ezingalindelekile, konke kuya ngezidingo zomuntu onomshwalense.

Izinkampani zinikela ngamaphakeji ahlukahlukene ezinsizakalo lapho kuhlukaniswa khona ubungozi obuhlukahlukene, okuthi, kanye nabadingekayo, bungafaka nezingozi ezingathandwa.

Umbuzo 4. Kubiza malini ukuqinisekisa indlu, ifulethi?

Izindleko zensizakalo ngazodwana, kuya ngezici eziningi: indawo, indawo, isimo sendawo, inani lezingozi ezikhethiwe, ukukhetha inkampani yomshwalense, njll.

Intengo Ephelele Yomshwalense Wasekhaya Iyaqala kusuka kuma-ruble ayi-1000... Okubiza kakhulu kubizwa ngokuthi "Umkhiqizo we-Boxed". Kubandakanya isethi eyisisekelo yezingozi, futhi ukubhaliswa kwayo kuzothatha ubuncane besikhathi. Njengomthetho, izinkampani zomshuwalense aziyihloli impahla; ungafaka isicelo senqubomgomo online.

Lapho kwenziwa isivumelwano, kufanele kuqondwe ukuthi isabelo esikhulu kunazo zonke kunxephezelo lomshuwalense ukuvikelwa kwezindonga ezithwala imithwalo.

Iqeda ngengozi ephezulu yokulimala i-akhawunti kuphela ye-10% yenani eliphelele lenkontileka.

Ngaphansi kwezimo zomshwalense ngamunye, izindleko zesevisi yilezi:

• Ukuqedela nempahla - 03-, 3-0.7% yesamba esifakwe umshwalense.
• Indlu - 0.2-1.0% yenani lomshwalense.

Ithebula lezindleko ezimaphakathi zomshuwalense, kucatshangelwa ubungozi obuyisisekelo:

Izindleko eziphansi zenqubomgomo yonyaka (ama-ruble ayizinkulungwane)	2	2,3	2,9	3,8	5,9
Ukuqedela (ama-ruble ayizinkulungwane ezingama-500)	+	+	+	+	+
Izakhiwo eziqukethe (ama-ruble ayizinkulungwane ezingama-300)	—	+	+	+	+
Isibopho somphakathi (ama-ruble ayizinkulungwane ezingama-300)	—	—	—	—	+

Ukuhlala endlini enomshwalense noma efulethini kuthule kakhulu, lokhu kuzokongela hhayi imali kuphela, kepha futhi nezinzwa. Izokusindisa ezindlekweni nasezinkingeni ezingaba khona.

Ekuphetheni, sincoma ukubukela ividiyo emayelana nomshuwalense wendlu yezwe (indawo yokuhlala ehlobo) -

Kubalulekile ukucabangela izintshisekelo nezidingo zakho, ukhethe inkampani yomshuwalense efanele, ufunde ngokucophelela inkontileka nenqubomgomo, futhi ungakhohlwa ngokukhokha amaphrimiyamu omshwalense.

Imibuzo kubafundi

Ingabe uyaliqinisekisa ikhaya lakho (ifulethi, ikotishi, ikotishi)? Uma kunjalo, ngaphansi kwaziphi izimo?

Bafundi abathandekayo besayithi "RichPro.ru", uma unemibuzo mayelana nomshuwalense wefulethi, indlu noma enye indawo yokuhlala noma ufuna ukuhlanganyela umbono wakho nesipiliyoni sakho, bese ushiya imibono yakho ngezansi!