Rayuwa inshora da jinginar gida ko ba dole ba ne?

A zamaninmu na babban siyasa da tattalin arziki tunkaro kowa da kowa yana kokarin kare kansu da kuma kudi. Babu togiya da banki cibiyoyin. Wannan Gaskiya ne, na tsawon lokaci rance da kuma masu dangantaka kasada. Daya hanyar zuwa ajiye zuba jari banki ne inshora. Ga dogon lokacin da bashin, musamman gidaje, halin da hanyar da ake rubutu da kasada, kamar yadda rayuwa inshora da jinginar gida.

Muhawara na ƙarshe na kwangila na inshora

Ana bukatar wannan samfurin a mataki na shiga cikin jinginar gida yarjejeniya akwai, amma wani banki sharply korau hali zuwa wannan karshe, don haka da damar samun sakamakon tabbatacce a cikin abokin ciniki ba tare da inshora ayan sifili. Saboda irin wannan matsayi na banki ba wani ƙoƙari na matsi daga matsakaicin yawan abokin ciniki kudi, amma wani ƙoƙari na kare zuba jari. Tun da high mace-mace da kuma mummunan zamantakewa matakai ninka da kasada na ba-yin rance.

Saboda haka, a kwangila da inshora rayuwa, ko da a bayan al'amuran, amma ne kafin domin samun sakamakon tabbatacce dangane da jinginar gidaje. A tsari da kuma abun ciki na kwangila na iya bambanta da cika fuska dangane da zabi ko shawarar da wani inshora yaƙin neman zaɓe.

Da bukatar tsaro na banki cibiyoyin abokan ciniki 'rayuwarsu

Yawanci, da rayuwa inshora kwangila ba banki, da kuma a kan kamfanin da nufin yin aiki tare da hadarin gazawar koma aro kudi. Saboda haka, sau da yawa bankuna shiga kwangila a kan yardatayya m yanayi da kuma mai da su abokan ciniki zuwa takamaiman kamfanoni. Bukatar irin wannan dangantakar saboda masu biyowa:

- a taron na wani da inshora taron dangantawa da kiwon lafiya, kudi ga abokin ciniki sa da insurer.

- a cikin hali na mutuwa na borrower lallai ba ne su jira har sai dangi zo da hakkin mallaka.

- asarar abokin ciniki ta solvency ne yiwu shida-wata da bata lokaci ba.

Saboda haka, rayuwa inshora da jinginar gida ne daya daga cikin muhimman yanayi na ƙarshe daga cikin bashi yarjejeniya.

Hadarin Ɗaukar hoto transience wajen samo ta Rasha bankuna

Mutane da yawa bankuna a Rasha, ba ta musamman m tattalin arziki halin da ake ciki, sanya a cikin kundin tsarin mulkin kasar a yawan kayan abinci mulkin hanya da kuma yanayi na bayarwa na tsawon lokaci rance. Request for Social Research "jinginar gida yanayi bankuna" ya nuna cewa mafi yawan yau bankuna sun yi haƙuri a samu wani sakamakon tabbatacce.

A dangane da wannan arziki, bankuna suna tilasta kirkiro nasu inshora subdivisions ko shiga kwangila tare da riga-kafa kamfanonin inshora. Da sauƙi, bayan fama da wadannan halin kaka, bankuna tada amfani rates a kan dogon lokacin da rance ga abokan ciniki.

jinginar gida inshora a Sberbank

Sberbank - mafi shahararren ma'aikata a Rasha kasuwar kudi da sabis. Haka kuma, kungiyar ya bayar da mafi sharadi gwargwado domin samun wani jinginar gida. Rayuwa Insurance ga wani jinginar gida ne mai kyau factor ga wani m bayani ga abokin ciniki ta magani.

Lokacin da dadewa bashi da dangantaka ne ko da yaushe wani hadarin unaccounted ko karfi majeure. Saboda haka a dole bukatar wani kayan aiki irin su "Savings Bank: jinginar gidaje, rayuwa inshora." Wannan kayan aiki yana da kyau sakamako a kan yawan m saka kudade da mazaunan ƙasar da suke so su gabatar da wani jinginar gida. A hali na ƙi Savings Bank ya tanadi damar sake duba da kuma tada sha'awa kudi. Ganin m lamuntawa adadin, wannan kaso muhimmanci shafi karshe kudin na aro makaman.

Actual yanayi na dogon lokaci crediting na Savings Bank

Ganin hawa da sauka a cikin kudin kasuwar, Sberbank kafa nasa tarihin rates a kan wani dogon lokaci aro. Alal misali, a halin yanzu da ainihin kudi na 14.5%, shi ne aiki har sai 28.02.2015. A hali na rashin cin nasara na abokin ciniki yin amfani da "Savings Bank: jinginar gidaje, rayuwa inshora" sabis ga kayan aiki da shi kudi yakan to 15.5%.

Amma duk da dukan da nuances, yawan bayar da kwangilar Sberbank bautar wani rinjaye matsayi a kasuwa na dogon lokaci rance. Mutane da yawa abokan ciniki kuskure yi imani da cewa idan ka dauki fitar da wani jinginar gida (Sberbank), rayuwa inshora zama dole. Wadannan kalamai ba dace da zahirin gaskiya, tun da Savings Bank bai karya dokokin na tarayya, wanda musamman ya bayyana da hakkin ya "an tilas rayuwa inshora a samun dogon lokacin da rance."

Jinginar gida Assurance a VTB

Daya daga cikin mafi m bankuna a kasuwa ne tsawon lokaci rance na VTB.

Don rage girman ko kawar m kasada a wannan ma'aikata gabatar da wasu irin inshora wajibobi, dangane da tsawon, irin da adadin aro. The m abokin ciniki a zabi rance ga ma'aikaci da kuma irin magani da ma'aikata ake bukata don karanta wadannan daftarin aiki, "jinginar gida: a kan yanayin da bankuna," to ji bambanci da zabi mafi kyau irin magani. Wannan daftarin aiki ba ka damar ganin dukkan amfanin da jinginar gida VTB, kazalika da ya gabatar da m abokin ciniki tare da "VTB Insurance" tsarin.

Features na jinginar gida VTB

VTB ya ɓullo da wani dogon lokacin da rance inshora tsarin, wanda ya hada da wadannan kayayyakin:

- da rashin yiwuwar wajibi gudunmawar saboda da asarar aiki damar da borrower.

- da rashin yiwuwar wajibi gudunmawar saboda mutuwa na borrower.

- da rashin yiwuwar wajibi gudunmawar saboda lalacewa ko asarar da na biyu;

- da rashin yiwuwar wajibi gudunmawar saboda da iyakancewa ko karewa ikon mallakar daga cikin abu na jingina (na shekaru uku).

Ba tare da wata kwangila tare da VTB "jinginar gida: rai inshora," manufar da rance da borrower zama kusan unattainable. Domin yin wannan samfurin mafi riba, VTB yayi m inshora da ya hada da wadannan kasada:

- wuta.

- bala'o'i.

- alãmõmin walƙiya.

- sakamakon fashewa da m gas.

- alãmõmin ruwa lalacewa.

- sakamakon faduwar tashi abubuwa.

- sakamakon doka ayyukan.

A samar da abin shaida na kowane daga cikin wadannan yanayi, da shirin samar da ga diyya na asarar a real size. Idan biyan bashin ya wuce adadin fice wajibobi, bambanci da aka biya zuwa borrower.

The kudin na rayuwa inshora da jinginar gida

The kudin na rayuwa inshora da jinginar gida dogara a kan al'amurra da dama, amma yawanci ba fiye da daya da rabi da cent na karshe kudin na aro makaman. A kan samuwar kudin tasiri:

- jima'i (as mata rayuwa fiye da maza, da sha'awa kudi domin su ne kasa da na maza).

- shekaru category (iyakar tsakanin zamanai na ashirin zuwa shekara saba'in domin soja - 45).

- Jihar kiwon lafiya na borrower (hereditary da kullum cututtuka zai iya zama wani babban cikas ga samun wani jinginar gida).

- hadarin aikin da alaka raunin da ya faru , dangane da irin aiki.

- moriyar (ayukan hutu m wasanni da mummunan tasiri a kan sha'awa kudi).

A halin yanzu hakikar rayuwa inshora da jinginar gida ya zama daya daga cikin muhimman abubuwan da dangantaka tsakanin banki cibiyoyin, kamfanonin inshora da kuma abokan ciniki da suke so don samun dogon lokacin da rance ga mutum da kuma moriyar juna. Saboda haka, idan bayar da jinginar gidaje, rayuwa inshora zama dole. Bayan duk, shi ne m ba kawai ga bankuna amma kuma bashi.