Kambani yeInishuwarenzi - chii ichocho? Maitiro uye mabasa

Kambani yeInishuwarenzi ibasa rezvemari rinopa inshuwarisi mabasa kuvanhu, mapoka emhando dzakasiyana-siyana dzehudzi. Kuti unzwisise nzira dzekushanda dzemakambani einishuwarenzi, zvakakosha kufunga nezvemasimboti ekupa mari yekubhadhara kune vanhu vanochengetwa.

Chii chiri inshuwarisi

Inishuwarenzi inzira yekudzivirira inofarirwa nemunhu, mararamiro muhutano husina kunaka hwemamiriro ezvinhu. Mikana yezviitiko zvakadai haisi duku, asi pane zvose zvayo chaizvo. Kubva pane nhamba ye data, mari yehushuwarisi , mari yehupfumi uye iyo mitengo yakatarwa. Kupa mubairo kwekuparara kunowanikwa chete mumugumo wekupedzisa kwekontrakiti yeinishuwarenzi. Mhedzisiro yemari ndiyo mari uye mari yekambani ye inshuwarisi (UK).

Munyika yedu, mutemo wepamutemo wekugoverwa kwemabasa akadaro ndewekuti:

• Mutemo weChitatu "Pamusangano webhizimusi rebhizinisi muRussian Federation."
• The Civil Code yeRussian Federation.
• Mimwe magwaro.

Chigumisiro chebasa iri chigadzirwa cheshuwarisi, iyo inongororwa yehushandi yemishandiro. Inishuwarenzi ndiyo inishuwarenzi. Inoshanda sechirongwa chekuti kana zvichiitika kune dzimwe mamiriro ezvinhu, kambani ye inshuwarisi ichaita kubhadhara mari iyi zvichienderana nemugove wekupedzisira.

Ndezvipi makambani ezveshuwarisi

Imwe kambani yehushuwarisi yehushuga isangano rakasiyana rinopinda muzvibvumirano zvekugoverwa kwebasa reinshuwarisi uye mabasa avo. Munyika yedu, chero UK inhengo yepamutemo ine imwe yemvumo yepamusoro uye inopa mabasa ayo maererano nemutemo wezvino.

Kupa zvinhu zvishuwarenzi zvinhu zvinotarisirwa nemakambani einishuwarenzi. Kubva pane zvinowanzoitika zviitiko uye kuongororwa kwezvengozi, vamiriri veku UK vanopa inshuwarisi mitemo uye vanovimbisa mubhadharo mune zvakashata zvinosangana nemamiriro ezvinhu.

Zvechokwadi, kufanana nedzimwe sangano rekutengeserana, chinangwa chekambani ndechekubatsira. Asi chimwe chinhu chakakosha chebasa chinokubvumira kuunganidza muzvinyorwa zvemari yakawanda yemari iyo kambani ye inshuwarisi inogona kurasa zvakanaka. Uku kubwinya kwezvemari kunogona kupiwa kune dzimwe sangano rebhizimisi pamitemo yechikwereti. Izvo zvinyorwa zvekutsvaga kwakadaro zvinotungamirirwa nemutemo wehurumende yemishuwarenzi uye masimba emari. MuRussia ndiyo iyo Ministry of Finance uye Central Bank.

Marudzi einishuwarenzi makambani

Kurongwa kwekambani dzemishuwarenzi zvakasiyana chaizvo. Semuenzaniso, makambani einishuwarensi eMoscow mumabhuku avo emitemo anozvitsanangurira semabhizimisi ari muhurumende, yega yega kana yemasuo. Misangano yakadaro inopesana nemhando yebasa rakapiwa. Iko kune mabhizimisi mashomanana akangwara akaita bhizinesi kune michina yakawanda yveshuwarenzi, somuenzaniso, motokari yerutisi.

Kune makambani einishuwarenzi evanhu vakawanda vanogona kuchengetedza zvinhu nezvose. Kune makambani ekutsigira reinsurance uye kwete ehurumende mari yepensheni, zvakare, nenzira, yakabatana nemasangano einishuwarenzi. Kune kusiyana pakati pe UK uye nzvimbo yebasa iyo yavanopa inshuwarisi. Makambani eInishuwarenzi anoda vanoda vatengi-nokuti mari inowanikwa mari inowedzera, inokurumidza purogiramu yekambani ichawedzera. SC inoshanda mune imwe ndima, kuvhura matavi uye mahofisi emaimiririra. Munharaunda, mabhizimisi akadaro akakamurwa kuva:

• Mharaunda - kupa inshuwarisi mitemo mune imwe nzvimbo kana nzvimbo;
• Dunhu - rine zviratidzo munzvimbo dzakasiyana siyana, zvivako zvivako;
• National - inoshanda munyika yose;
• Mune dzimwe nyika - vane mahofisi kana mapazi mune dzimwe nyika.

Kuyera kwekambani dzemishuwarenzi

Nguva dzose munhau, kune mitsara yenzvimbo ipi mune kuongororwa kwekuvimbika kana mukurumbira inotorwa neimwe kana imwe kambani yveshuwarisi. Iyi yakawanda yemashoko pamusoro pechirevo ichi inofanira kukurudzira kune avo vanogona kuisa mazano uye vanovakurudzira kutenga mari yehushuwarisi zvakanyatsonaka mukambani iyi. Kubva pakuona kwekuona munhu anogona kufunga nezvekukwevedza kwekambani dzemakambisi yveshuwarisi kupa zvibvumirano mumhuri uye mberi. Ko vatsigiri vanozvinyora nezvei? Ndezvipi zvavakaita pane izvozvi? Kuongorora, tichaenda kuburikidza newebsite yemakambani einishuwarenzi, uye nokuda kwemashoko ekutaura iwe unogona kutora mbiri mbiri dzinoratidza hutengo - mari yeinishuwarenzi - iyo, mari yekubhadhara yakaitwa kune inshuwarisi mitemo pamwe nemari yeinishuwarenzi iyo kambani inotengeswa muna 2015.

"RESO-chivimbo"

Iyo kambani "RESO-Garantiya" inzvimbo iyo pachayo seimwe yevatambi vakakurumbira muRussia yemusika. Parizvino iye ndiye anokunda kumakwikwi emunyika "Brand Brand / Mark No. 1 muRussia", anowanikwa kakawanda weArt Golden Salamander, mupi weNational Award "Financial Olympus", uyo anokunda muasarudzo "Insurer DMS" uye "Auto Insurance".

Mukuwedzera, "RESO-vimbiso" yakatora nzvimbo yechitatu yegore rapera kuti iwane mari yemishandiro yerurivo - 276 mabhiriyoni ebrule. Mishonga inokwana 124.2 mabhiriyoni - iyo, inenge hafu yemari yakaunganidzwa iyo kambani yakaipa kune inshuwarisi.

SC "MAX"

Kambani yakatangwa muna 1991. Kunyanya ivo pachavo inonzi auto inshuwarisi; CASCO uye OSAGO, rubatsiro rwehutano rwehutano nehupfumi yemaipuri . Mutsamba yezvakabudirira - chiratidzo chikuru chekuvimbika kubva mubazi rehurumende re "Expert RA". Gore rapera, kambani yeInishuwarenzi MAKS yakaunganidza mabhiriyoni anopfuura 37.2 mabhiriki, uye zvikwereti zvinenge kusvika 92%.

SOGAZ

Imwe kambani yeInishuwarenzi ine zita iri inogona kutaridzirwa nenzira yakakodzera kuti iri kambani yenyika - matavi ayo anowanikwa munzvimbo dzose dzenyika yedu. Kuongorora kwehupoti pamusoro pemabasa ezvemari kunoratidza kuti muna 2015 kubhadhara mari yemishonga yemishuwarenzi yakasvika 78 milliyoni rubles. Nhamba yekubhadhara semugumisiro wekuitika kwezviitiko zvinotsigirwa nezvikwereti ndeye 27.3 mabhiriyoni rubles.

"Mvumo"

Kambani yeInishuwarenzi ine zita iri inoshanda mumushamba wemari yveshuwarensi kwemakore anopfuura 22. Kushanda pamwe chete nevhidhiyo, ine sangano rakakura rezviremera zvaro zvinomiririra, uye rinotengesa maitiro aro kuburikidza nemapepanari. Pakupera kwa2015, kambani yakagamuchira mabhiriyoni 56 emabhururi muinishuwarenzi, uye yakabhadhara mabhiriyoni 46,5 mabhiriki.

Kune avo vanogona kutenga makambani makuru ehurumende yveshuwarisi inoratidza kuvimbika kweUk, kusimba kwaro kwemari. Uye nhamba yemari yekubhadhara inoshanda sechitsanangudzo chekugadzirira kweKUK kusangana nevatengi vayo. Imwe mubvunzo ndeyokuti zviratidzo izvi ndezvechokwadi. Kuti uone kuve kwechokwadi kwehurumende yeinishuwarenzi, zvingava zvisina kunaka kutarisa mumishumo yayo, maererano nezvinodiwa neHurumende yeMari, ruzivo urwu runopupurirwa nehutungamiri hweUnited States, mune ramangwana rinofanira kuwanika pane mawebsite eyo inshuwarisi yekambani. Mishumo yezvemari icharatidza kuvimbika uye kushanda kwevanishuwarenzi vakawanikwa. Zvinonakidzawo kuongororwa maongororo pamusoro pevatsigiri, kunyange zvazvo mashoko aya asingakwanisi kutendwa - mamwe emashoko akanaka anobhadharwa, uye zvimwe zvezvakaipa zvinogona kunyorwa nevagari vemo vakakundikana kuwana mubhadharo nokuda kwezvikonzero zvikonzero. Kuongororwa kwemashoko aya kunogona kupa chiitiko chinonakidza chemaitiro ekufambiswa kwemakambani einishuwarenzi uye iyo yose yemusika mutengo muRussia yose.