Kodi kubwereketsa galimoto m'mawu osavuta ndi chiyani?
Kubwereketsa ndi njira imodzi yazachuma yomwe imapezeka kwa mabungwe ovomerezeka komanso anthu pawokha. Ndi chithandizo chake, amagula zinthu zodula: magalimoto kapena zida zapadera, zida zamabizinesi, makompyuta, malo ogulitsa.
M'mawu osavuta, kubwereketsa ndi kubwereketsa kwa nthawi yayitali ndi ufulu wotsatira wogula.
Patsamba lathu la Vodi.su, tawona kale kusiyana kwakukulu pakati pa kubwereketsa ndi ngongole ndipo tinafika ponena kuti kubwereketsa kumakhala kopindulitsa kwambiri, makamaka kwa mabizinesi ndi mabungwe ovomerezeka. Ngati tilankhula za ubwino wa nzika wamba, mwachitsanzo, pogula galimoto motere, ndiye kuti ilipo, ngakhale kuti ndi yochepa.
Ku Ulaya ndi ku United States, pafupifupi 30 peresenti ya magalimoto onse amagulidwa pa lendi, 30 mpaka 60 peresenti ndi ngongole, ndipo 40 peresenti amagulidwa ndi ndalama. Ku Russia, ziwerengero ndizosiyana kwambiri pankhani yogula magalimoto ndi anthu:
- gawo la kubwereketsa ndi 3 peresenti yokha;
- 35-50% (malingana ndi dera) - pansi pa mapulogalamu osiyanasiyana a ngongole;
- 50 peresenti ya ndalama.
Kodi pali kusiyana kotani pakati pa kubwereketsa ndi kubwereketsa ndi ngongole?
Kusiyanitsa pakati pa kubwereketsa ndi kubwereketsa kumakhala kochepa, kusiyana kokha ndiko kuti mgwirizano wobwereketsa umatsirizidwa kwa nthawi inayake ndipo itatha, mwiniwakeyo amayenera kubwezera galimotoyo kwa mwiniwakeyo motetezeka komanso momveka.
Mgwirizano wobwereketsa umatsirizidwanso kwa nthawi inayake, koma kumapeto kwa nthawiyi katunduyo amakhala katundu wathunthu wa wobwereketsa. Malingana ngati mgwirizano wobwereketsa uli wovomerezeka, mwiniwake wa galimotoyo ndiye wobwereketsa.
Ubwino wobwereketsa pa ngongole kapena kugula ndikuti posayina pangano la ngongole kapena kulipira ndalama zonse nthawi imodzi, mumakhala mwiniwake wa malowo ndipo mumakakamizika kuyisamalira nokha, lembani molingana ndi malamulo onse, gulani inshuwaransi ya OSAGO ndipo, ngati mukufuna, ya CASCO.
Komabe, ngati mugula galimoto pa kubwereketsa, wobwereketsa amachita zonsezi. Ntchito yanu ndikulipira nthawi zonse zomwe zafotokozedwa mumgwirizanowu. Ngati munthu alephera kukwaniritsa udindo wake, katundu wake amalandidwa ndipo ayenera kulipira malipiro ochedwa ndi chiwongoladzanja.
Kubwereketsa mabungwe ovomerezeka
Masiku ano ku Russia, kubwereketsa kukufunika kwambiri pakati pa mabungwe ovomerezeka. Pali makampani angapo obwereketsa mdziko muno, ndi amkhalapakati pakati pa opanga zida ndi ogula omaliza. Mwachitsanzo, ngati kampani yachinyamata yomanga ikufunika kubwezeretsanso zombo zake ndi zida - ma cranes a nsanja, zogudubuza dothi kapena china - ndiye njira yabwino kwambiri ndikupanga mgwirizano wobwereketsa.
Mkhalapakati adzalumikizana ndi wopanga wakunja kapena wakunyumba, kugula zida zofunika ndipo, malinga ndi mgwirizano, aziyika kuti ali nazo.
Izi zimabweretsa zofunika zingapo:
- nthawi yantchito yabizinesi pamsika sipasanathe miyezi isanu ndi umodzi;
- posachedwapa zabwino zabwino.
Ndiko kuti, wobwereketsayo ayenera kutsimikizira kuti kampani yake ikwanitsa udindo wake. Palinso mapulogalamu osiyanasiyana, koma ena omwe amafunikira kuti mulipire ndalama zoyambira, konzani chikole. Komabe, palinso mapulogalamu omwe katundu amasamutsidwa popanda kubweza ngongole ndi chikole.
Ubwino wa mtundu uwu wopeza ndi awa:
- kukhathamiritsa kwa ndalama zamisonkho - zida sizinatchulidwe patsamba labizinesi;
- kutsika kwachangu - takambirana kale za Vodi.su;
- chitsimikizo chadongosolo;
- inshuwaransi ndi kulembetsa - zonsezi zimachitika ndi wobwereketsa.
Nthawi zambiri, mgwirizano wobwereketsa umatha zaka 1-5, ndikulipira koyambirira kwa 15 peresenti.
Ndipo, ndithudi, pali peresenti yobwereketsa, imatchedwa peresenti ya kuyamikira pachaka ndipo imatha kuchoka pa asanu mpaka 15 peresenti pachaka. Komabe, pali tsatanetsatane apa - chiwerengero cha kuyamikira chimachepetsedwa chifukwa cha kugawidwa koyenera kwa kubwezeredwa kwa mtengo wamtengo wapatali. Ndiko kuti, kwa chaka choyamba muyenera kulipira, mwachitsanzo, 15%, chachiwiri - 10%, chachitatu - 5%. Mulimonsemo, akatswiri adzawerengera zonse kuti onse omwe ali ndi mgwirizanowo akhutitsidwe.
Kubwereketsa kwa anthu pawokha
Nzika wamba za Russia posachedwapa zalandira mwayi wogula magalimoto motere.
Pali mitundu iwiri ikuluikulu yobwereketsa kwa anthu. anthu:
- ndi ufulu wogula;
- wopanda chiwombolo.
Mgwirizanowu umatsirizidwa kwa zaka zitatu, pamene wogula ayenera kutsimikizira solvency yake - kubweretsa chiphaso cha ndalama, kubweza msonkho kapena buku la ntchito. Kuti mumalize mgwirizano, muyenera kulipira koyamba - kuchokera pa khumi peresenti. Kuonjezera apo, wogula akhoza kulipira ndalama zonse za galimotoyo mu nthawi yochepa, pomwe palibe chilango chomwe chidzatsatidwe.
Ngati munthu sakukonzekera kugula galimoto pamtengo wotsalira, ndiye kuti amalipira ndalama zina mwezi uliwonse, ndipo pamapeto a mgwirizano akhoza kubwereka galimoto ina.
Ndalama zonse zogwirizana - inshuwaransi ndi kulembetsa - zimalipidwa ndi wobwereketsa, koma zimaphatikizidwa ndi ndalama za mwezi uliwonse. Chindapusa, misonkho ndi kukonza zimaperekedwa ndi wobwereketsa. Komanso Dziwani kuti mtengo wa galimoto amachepetsa chaka ndi chaka ndi mapeto a mgwirizano (pambuyo zaka 3) zambiri zosaposa 80% ya choyambirira.
Childs, kubwereketsa amaperekedwa kwa magalimoto, mtengo umene uposa 1 miliyoni rubles, komanso magalimoto. Ngati mumagula magalimoto a bajeti, ndiye kuti simumva kusiyana kwakukulu pakati pa kubwereketsa ndi ngongole.
Kanemayu ali ndi zambiri zokhuza kubwereketsa ndi malamulo ake.
Tikutsegula...
