Sum inshuwarisi uye inshuwarisi kukosha

Zvichienderana nemhando ipi yveshuwarisi inokosha yeimba, muyero wemupiro uye mubhadharo uchaverengwa. Asi mhuka dzinosungirwa dzinotove dzine zvigaro zvadzo zvezvinyorwa.

Kusayina mutemo, zvakakosha kuzivikanwa mberi: chiyero chepi mupiro kubva kune mutengi chinodiwa nekambani uye kana ichienderana neicho chaiyo pamusika.

Aina dze inshuwarisi

Inishuwarenzi nhasi inzvimbo yakasiyana yehupfumi. Muteereri wekambani anokweretesa kuti iyo yekupedzisira inotanga kutora mungozi. Zvino iyo policyholder inogona kurara zvakachengeteka uye isinganetseki nezvezvinogona kuitika matambudziko.

Iwe unogona kuvhara chero chinhu:

• Real estate;
• Zvishongo;
• Cars;
• Upenyu uye hutano;
• Dambudziko rebhizimisi uye zvemari;
• Tourist inshuwarisi;
• Zvinhu zvisingaoneki (mabasa oumhizha);
• Puro yenyika, imwe.

Iyo policyholder uye mutengi wake vane kubatsirana pamwe chete kubva kune mutengesi. Uye kana kambani ichienderana ne "mitemo yemutambo" mumusika wayo, vatengi vakawanda vanowedzera mairi. Chinhu chikuru ndechokuita kubvumirana pakati pemativi maviri pamusoro pemari yekubhadhara. Kuti uone zvakajeka, zvakakosha kuongorora nzvimbo, ndiko kuti, kugadzirisa iyo inshuwarisi inokosha.

Idzo pfungwa dzehushuwarisi inokosha uye mari yehushandi. Kusiyana

Maererano nemitemo yeRussian Federation, kana njodzi inowanikwa mumutemo, bhizinesi rinofanira kupa muchengeti chimwe chikamu. Iyi ndiyo nguva inokosha pakupedzisa kontrakiti, inotarirwa nekambani uye, mushure mokubvumirana nemutengi, inopinda mukonesheni yehupfumi hwemunhu kana yeimba. Ichi ndicho chiyero cheinishuwarenzi.

Zvisinei, iyo inshuwarisi yemari uye inshuwarisi inokosha haisi maonero akafanana. Iko inshuwarisi inokosha inogona kuenzana nemari yacho, zvisinei nekuita mari yakawanda iyo mutengi anogona kugamuchira nemaoko ishoma kudarika chaiyo yemari yemari yechinhu. Kushandisa mari yehuwandisi ye inshuwarheni haigoni, iyo inotariswa nendima 2 yeArt. 10 yeMutemo weChechi yeInishuwarenzi, nokuti inshuwarisi yakagadzirirwa kubhadharisa kukanganisa, uye kwete kuwedzera mari.

Chii chinonzi inshuwarisi inokosha? Inogadzirirwa mushure mekuongororwa kweimba kana chiitiko chekutsvaga iyo kambani ye inshuwarisi inotora. Kazhinji kazhinji iyi ndiyo kukosha kwemusika.

Inofanira kuverengwa kuti ndiyo chete inowanzochengetedza inishuwarenzi iyo yakawanda yekubhadhara inobvumirana. Muitiko apo kusayina kwemutemo kunomirire, mari yacho ichasimbiswa nemitemo yepamutemo.

Nhamba ye inshuwarisi dzimwe nguva ine huwandu husina kukwana. Uye dzimwe nguva, inogadzirirwa kubva pane imwe yepakati yemari.

Marudzi einishuwarenzi mari

Inishuwarenzi inowanzozivikanwa ndeye inshuwalisi yepfuma Mari yehurumende inshuwarisi, sezvatotaurwa, inotarirwa kushandisa nzira dzakasiyana. Kubva pakusarudzwa kweiyo nzira, tinosiyanisa marudzi akadaro ehushuwarisi:

• Full inshuwarisi. Mutengo wechinhu chinishuwarenzi chakaenzana nekubhadharwa.
• Proportional.
• Dzosa chinhu ichocho nechimwe chitsva uye chinhu chebasa. Inoshandiswa pakutengeswa kweimba yemidziyo.
• Mari yekudzorera. Nhamba iyo inodiwa kugadzirisa chinhu inowanikwa.

Zvichienderana nezvakaitika zvekuverengera kwetabhadharo, mumwe wehutano hwehushuwarisi uye imwe huru inosarudzwa. Pasi pemhando yakawanda yemungozi inonzi inshuwarheni kune njodzi dzinongoitika dzoga. Iko inshuwarisi inokosha pano inoratidzwa nemitengo yakasiyana.

Kuverenga kwekugadziriswa

Kuti uone mari ye inshuwarisi, unofanira kutanga usarudza nzira yekuongorora chinhu che inshuwarisi. Inogona kuenzanisa, inobatsira kana inoshandiswa. Muzviitiko zvakawanda, nzira yekuenzanisa inoshandiswa. Mari inotorwa kubva pakutsvaga kwekutengeserana kwekare uye mamiriro emisika. Mushure meizvozvo, mubairo wekubhadhara unotarirwa.

Nzira yekuverenga iyo yveshuwarisi yekudzikinura paunoshandisa iyo yakaenzana yehurongwa hwekuverenga yakafanana kwese kwese. Ndiyo chete inoshandiswa mutengo.

Chirevo chine fomu inotevera: Q = T · S / W.

Kuti tiverenge inshuwarisi inokosha, tinozoisa mumutsetse nhamba dzekutanga:

• S ndiyo mari yeinishuwarenzi;
• W - kukosha chaiyo kweimba;
• T ndiro coefficient yakasarudzwa nekuda kweiyo ngozi.

Mutengo weimba inshuwarisi. Ngozi

Kuongorora kwemaimba inowanzoitwa muDhipatimendi reRostekhinventarizatsiya kana mune imwe nzvimbo yega yega inotarisa imba, iyo ine permiti.

Iko kuongororwa kwebhadharo kunobata zvinhu zvakasiyana:

• Chikamu chekutyisa;
• Mari chaiyo;
• Nguva yemainishuwarenzi;
• Rudzi rwechimwe chinhu chinofanira kusanganiswa.

Chimwe chinhu chinonyanya kukosha ndicho chikamu chematambudziko. Kambani yeInishuwarenzi haigoni kushanda pakurasikirwa. Njodzi dzose dzinobatanidza nekupedzisa kwekutengeserana dzinoongororwa nevanonyanya kukwanisa - vanyori vanyori. Ava ndivo vanhu vanokonzerwa nehupfumi yehushuwarisi. Vanoronga marudzi ehutano uye vanosarudza kuti ndezvipi zvavanofanira kutora uye izvo zvinorega kuramba. Zvinonyanya kukosha zvikamu zvinotevera:

1. Kubba kwepfuma;
2. Kukuvadza kwepfuma nevanopinda;
3. Njodzi dzemamwe akasiyana;
4. Njodzi dzinobatanidza nemamiriro ezvinhu (mafashamo, kudengenyeka kwemvura, imwe).

Muchirevo ichi, mamiriji akawanda akaongororwa. Kana iyo dzimba ichichengetedzwa, ipapo nzvimbo yacho, dhigirii rekuparara kwechivako ichi rinotariswa. Nokuverenga kuwanda kwehutori, mukoti achaongorora zvakare kukosha uye kuwedzerwa kwepfuma yeimba.

Kuongorora kweinishuwarenzi yebhizimisi

Kana sangano rezvemitemo rikatsigirwa, mutengo unosarudzwa zvichienderana nehukuru hwebhizimisi. Kune mabhizimisi makuru-kati, kune mari chete yekutengesa, kune huru - vamwe. Pakati pekuongororwa, zvinhu zvose zvinofungidzirwa: zvinhu zvakasarudzwa, kushanda kwemari, mari, uye kunyange mari yezvivako izvozvo zvisingagumi.

Kana uchitarisa zvinetso, zvose zvinowanikwa zviripo zvinoshandiswa, sezvo zviyero zviri mumhando iyi ye inshuwarisi yakawanda. Zvakakosha kufungisisa zvose zvinyorwa zvinowanikwa kune dzimwe makambani.

MuRussia , inishuwarenzi yebhizimisi yehupfumi haisi yakakurumbira. Nyika isina kugadzikana yehupfumi inoita kuti isakanganise.

Ndinogona here kuchinja mutengo mushure mekusaina mutemo?

Mushure mekusainira mutemo, mazwi ayo haagoni kuchinjwa. Asi panewo mamwe mavara. Iko mari yehushandi inogona kupikiswa neyo pachake pachayo kana kuti mitero kana pane kusava nechokwadi pamusoro pechiratidzo chekuverenga kwehuwandu hwehutsigiti. Uye apo dare richakwanisa kuratidza kune inshuwarisi kuti akanyengerwa, ane kodzero yekuderedza chikwereti chemari.

Chimwe chinyorwa ndiko kugamuchirwa - kutarisa mukati mukati meinishuwarenzi. Kana panguva yekuongororwa kwawanikwa kuti mari yekubhadhara yakanyanyisa, muchengeti wechipurisa achazivisa mutengi kugamuchirwa, uye chibvumirano chichadzorerwazve uye chichataurirana zvakare.

Pasina mubvunzo, mumhedziso yemutemo kune zvakakosha. Kuva nechiremba, munhu kana sangano anogamuchira vimbiso yekubhadhara mari yemari. Asi nheyo dzekuverenga dzakanyanya kuvhiringidza, uye vazhinji vezvesitendi havagoni kunzwisisa iyi system. Saka, hurumende inofanira kudzora inshuwarisi.