Liability insurance umakhi ne zokwakha kwelinye ingakumbi xa isicelo

Umphuhlisi unyanzelekile ukuba akhuphe isivumelwano insurance ubutyala phambi kokugqitywa intengiselwano yokuqala mfani-nye othengayo. Kungenjalo, akayi kuba nako ukuba babhalise kwi Rosreestra. Ezi kunye nezinye izinto ezongeziweyo kwenziwa 2014 uMthetho Federal № 294 "ngezilungiso izenzo ezithile mthetho.

intliziyo

Ukususela 2014 inkampani yokwakha iyafuneka ukuqinisekisa ukwenziwa kwemisebenzi ngokuthi kukhutshwe isiqinisekiso okanye i-inshorensi woxanduva yoluntu lomphuhlisi xa ukwakhiwa ekwabelwana. Oku kuya kuvumela umthengi phezu kukuvela kweemeko esingenakubonwa kwangaphambili ukubuyisa imali yabo.

Ukwamkelwa kwalo mthetho umisela developer onoxanduva:

• ukubuthwa izibopho;
• ukunikezelwa lwento engagqitywanga;
• yimali phambi kokunikezelwa kwalo propati.

Iingcali boyika ukuba ezintsha kuya kukhokelela ekwandeni kwamaxabiso impahla. URhulumente Qiniseka ukuba ezi meko azikwazi zihlobene. iindleko ze-inshorensi, nkqu kwinkampani enkulu yi-1% ye umthamo kwiintengiselwano. Ababhekisi phambili kuya kufuneka ukuba anike imali ngenxa yezi ndleko iphuma kwibhajethi yaso.

into

I-inshorensi umakhi butyala ulwakhiwo ekwabelwana ibandakanya ukukhusela iimfanelo nempahla iinkonzo. Le dili kuluncedo kakhulu kubathengi. Inkampani inshorensi yonke indlu okanye iiflethi ngamnye.

abaxhasi

Le mvumelwano ukuze kungenelwe zabelo. Kwiimeko ezithile ziya kufumana intlawulo. Umphuhlisi uthembisa ukukhulula oluthembekileyo into ezikumgangatho ophezulu. I insurer ubophelelekile ukwazisa ngumthengi malunga utshintsho intengiselwano kunye nokuhlawulwa kwemivuzo. Ukuba ngexesha lokwakha-mali real estate iya kutshintsha, kuyimfuneko ukuba ucacise kule mvumelwano, njengoko nxaxheba ilandelayo luxwebhu eyahlukileyo.

inshorensi

Asiyiyo yonke UK badla yenza isivumelwano esinjalo. Kukholelwa ukuba olu hlobo lwesivumelwano kubangela umonakalo. Ngaphezu koko, le nkampani kufuneka ihlangabezane neemfuno ezithile:

• ukusebenza kwimarike iminyaka engaphezu kwama-5;
• finustoychivosti zingqinelane neemfuno;
• sibe nesimo sengqondo esihle ixesha elizayo;
• sihlale ngasemva ubuncinane 400 million engange., ingqukuva eligunyazisiweyo mali engange kwezigidi ezili-120.

uluhlu lwamaxabiso

inshorensi umakhi zokwakha ngokuhlangeneyo imali eninzi. Umlinganiselo rates 0.5-0.8% ngo-2015. Kuba rates contract ixesha elide ukuze kungancitshiswa ngama- 10-30%. Company Insurance (UK) uya kumisa izinga, kwaye ibala kuphantse kwi ipesenti ngonyaka, njengoko kusoloko kukho kungenzeka ukuba umphuhlisi aphephe ngokupheleleyo nezibophelelo.

Yintoni ebonisa izinga:

• Ukuthatha inxaxheba ebambe umqambi.
• Amava ezintle intengiselwano ezidlulileyo: umhla, inani lezinto, umsebenzi kwiingingqi ezahlukeneyo, ukungabikho kwamabango.
• uzinzo Financial.
• ukhuseleko Legal: Ukufumaneka onke amaxwebhu kunye neemvume.
• lesigaba sokwakha.
• obekiweyo.
• Inani zabelo.

isivumelwano esisemthethweni

Ukuze abhalise DDU, umphuhlisi kufuneka anike isivumelwano Rosreestr. Ukuze wenze oku, kufuneka ahlanganise maxwebhu alandelayo:

• ngoyilo Declaration;
• imvume yokwenza umsebenzi wokwakha;
• isatifiketi sobhaliso karhulumente;
• ikhontrakthi zokwakha ekwabelwana;
• ikopi yale mimiselo;
• ucwaningo;
• ikopi yeengxelo zemali;
• data kwi otyalwayo;
• isiqinisekiso akukho mboleko engahlawulwanga kwiibhanki.

Yintoni kufuneka bakhuselwe

i-inshorensi umakhi butyala ulwakhiwo ekwabelwana ibandakanya intlawulo yembuyekezo, xa umphuhlisi elingayizalisanga izibophelelo zayo, nto ingqinwa isigwebo okanye ungonakala yenkampani. Esi sixa ingakhange ihlawulwe khona kwimeko yovalo ixesha lokwakha okanye ukwandiswa kwexesha lokugqitywa. Isixa kuxhomekeka kwixabiso ikhontrakthi. Akangekhe ngaphantsi kwe:

• ixabiso le nto;
• avareji rate market nganye 1 macala onke. m. kwezindlu kule ngingqi.

Lo mthetho singakwazi zesixa iibhonasi.

Inshorensi ingqalelo iimeko ezinjalo:

• ukuphazanyiswa wokwakha;
• imilinganiselo ye umakhi;
• Ukungafunyanwa lwepropati;
• ukwala ukuba abuyele izixhobo eziphathekayo njalo njalo. d.

zinguquko zomthetho

Ngo-2014, inani Federal uMthetho 294 izilungiso, ngokungqinelana apho liability insurance umakhi equity kwisakhiwo ngoku enyanzelekileyo. Ubhaliso kwesivumelwano ababandakanyekayo ababhekisi phambili ngokwabo. Bakhetha naye ukuba asayine isivumelwano, kunye inkampani, ibhanki, inkampani ezizodwa.

Bonke abathathi-nxaxheba inkampani yeinshorensi enyanzelekileyo iya kuba noxanduva xa bebonke. Ukuba deal wenziwa ebhankini, ixesha elininzi ichithwa zokuqokelelwa amaphepha. Oku kuya kuhlawulwa 30% yexabiso ngummeli wowona lwepropati, leyo isebenza njengesiqinisekiso ukulungiselela iziko lemali. Ukongeza, i-Central Bank ibeka iimfuno zalo ezi iibhanki:

- xesha lincinci lomsebenzi - eyi-5;

- capital ababhalisele million 200;

- ixabiso asethi - engange billion 1.

Nenzuzo ngababhekisi ukufumana imali-mboleko kunokuba ikhuphe isiqinisekiso. amaziko ezemali kwakhona musa ziquka contract inshorensi equity nenxaxheba ekwakhiweni imveliso nenzuzo.

Kubhetele ukuba angene kwisivumelwano kunye kwinkampani. Kwindawo eyomeleleyo zokhuphiswano, inshorensi bazama ukutsala abathengi amazinga aphantsi kunye namaxabiso. Umlinganiselo wenzala kwiintengiselwano ezinjalo kuhlala fixed lonke ixesha lesivumelwano. i-inshorensi umakhi butyala ulwakhiwo ekwabelwana ihlawulwa emva umsebenzi. Enye inzuzo - isantya processing of amaxwebhu. OKhuselwe ngeInshorensi ngokwakhe wenza developer, umxhamli - abanini umdla. Inika indlela oyikhethayo nganye yokuhlala ngabanye.

liability insurance umakhi ne zokwakha joint

Iinkampani kufuneka azizode zibonelele mali. Amaninzi ke ilizwe apho ikuyo loo nto. Ukongeza, uxwebhu ichaza indlela yokuqinisekisa ukuzibophelela. Amaphepha ngemvume ukuya ubhaliso yokuqala karhulumente isivumelwano share kwaye liyasebenza de kufike umhla kokugqitywa. Ukupheliswa intengiselwano ayikhululeli inkampani kwimfanelo ukuba ahlawule imbuyekezo kumatyala ezenzeka ngexesha lokuba semthethweni yayo.

Ngaba inshorensi yonke indlu okanye iiflethi ngasinye ngokwahlukeneyo. Lwalo kuqala kuluncedo. Umphuhlisi kufuneka enze ngoko nangoko isixa esikhulu, ukuze uqiniseke ukuba zonke izindlu ziya kuthengiswa. Ingxaki yesibini kuxhomekeke yokuba phantsi izivumelwano ezinjalo kunzima ukufumanisa ukuba ngubani na umntu ofumana uncedo.

Olu xwebhu uqalisa ukusebenza ngalo mzuzu kobhaliso yoncedo. Insurance umqambi ne zokwakha odibeneyo isivumelwano akuthethi ukubonelela hlobo. Ezinye iimeko bahambelana ku yingisela eqhelekileyo:

- yeinshorensi obeleke ukwazisa zabelo malunga isixa imbuyiselo ehlawulwa;

- inkampani ingaphatha uhlobo kwamandla parameter nganye phambili;

- yeinshorensi linyanzelekile ukuba lazise bonke abanini ngokunqunyanyiswa yokuqala kwesivumelwano;

- ixesha lesivumelwano kuxhomekeke ngexesha lokwakha.

Isixa hlawuleka kuxhomekeke ekubekweni kwamaxabiso kunye namazinga. Kufuneka igqithe ixabiso le ndawo iyonke ndawo. Le nkampani ngokwayo isigqibo intlawulo iza kwenziwa njani: isixa semali okanye ngezavenge.

iingxaki Insurance developer uxanduva ekwakhiweni joint

Le dili ngqo kakhulu. Enyanisweni, sithetha ngokhuseleko lwemingcipheko yemali umakhi. Iinkampani kufuneka bakhethe - ukukhupha umgaqo-nkqubo okanye sinzima. Oku ngakumbi wayekhetha yesibini ukhetho, ekubeni amaziko ngetyala sele zinendlela esekwe kakuhle, iinkqubo amanqaku, iingcaphephe ukuhlola imingcipheko, kwakunye nezakhiwo abaququzelela wawugqiba umsebenzi oqhubekayo. IC ezinjalo iingenelo abakwazi ukuqhayisa. Endaweni yoko, ukuba basondeze imali phantsi. Abantu asetyenziswa yokuba iinkonzo zebhanki imali eninzi. Oku kuyinyaniso, kuba ingozi Okwenziwayo eliphezulu. Nangona, elandela ukulungiswa komthetho, amazinga iinkampani lenyuka.

i-inshorensi umakhi uxanduva zokwakha joint inika Iziphumo ezihlanganisiweyo ilahleko. Kwimeko ingxaki (ukwehla kwi nemfuno zezindlu, ukunyuka kwesantya mboleko) ziya kubizwa ilahleko kanye bonke ababhekisi phambili, kungekhona nje nxaxheba enye emarikeni.

Enye ingxaki - kukungakwazi reinsure imingcipheko nkqu kwiimarike zangaphandle. Kwihlabathi jikelele ezisetyenziswa ezinjalo ndisezintanjeni imisebenzi (isiqinisekiso). Kodwa umsebenzi wabo ayikalungiswa yi umthetho Russian. Umahluko iphambili yale mveliso kukuba insurer ingathatha yakho njengesiqinisekiso sisephantsi kolwakhiwo.

Central Bank waphakamisa iimfuno ngenxa UK, leyo bakwazi ukubonelela ngeenkonzo ukuba ababhekisi - ukwandisa isixa ubuncinane eyinkunzi. Oku kunciphisa kakhulu inani inshorensi kunokwenzeka - up iinkampani-19. Ukususela uluhlu entsha nkampani wemka, isabelo apho ngaphambili accounted for 80% kwezivumelwano kunye nababhekisi phambili. Ngoku oko kuya kwenzeka ayaziwa kubo. mhlawumbi kuya kufuneka utyikitye izivumelwano ezintsha kunye neenkampani kuluhlu "white". Kwimeko ukurhoxiswa kwelayisenisi IC inoxanduva imicimbi kugqitywe ngaphambili iinyanga ezi-6. Ngoko ke mhlawumbi ukunqumamisa amaxwebhu okanye iingxelo iphothifoliyo kunye namatyala kwezinye nxaxheba emarikeni. Mu kuya kwa nshita inshorensi esisiNyanzelo okanye liability abanini bezinto mveliso eziyingozi, kule nkonzo, akukho ezinye iintlobo zokhuseleko, ezifana mali imbuyekezo, nto leyo iza wenza iintlawulo kubemi emva imilinganiselo ye-inshorensi. market kwezindlu ekwabelwana inkulu. Kodwa indlela emiselwe lokulawula umsebenzi developers okwangoku.