IC "Savings Bank Life Assurance": masu zuba jari, yanayi da kuma tsaro dokoki

Rayuwa Insurance - ne kariya daga dukiyar moriyar mutane da alaka da rayuwa da mutuwa. Wannan dogon lokaci da kuma tarawa irin zuba jari. kasuwa domin wannan sabis miƙa ba kawai sana'a mahalarta, amma kuma bashi cibiyoyin, musamman Sberbank.

Game da kamfanin

LLC IC "Savings Bank Life Assurance" da aka kafa a 2014. Shi ne mai na biyu na PJSC "Savings Bank", wanda ya ƙware a cikin kariya na mallakar dukiyoyi. A farko, kamfanin miƙa ajiya ayyukan da zuba jari rayuwa inshora, sa'an nan akwai shirin na son rai kariya na jama'a 'kiwon lafiya.

Yau kamfanin ne daga saman uku a kasuwar. A lokacin farko 9 watanni na 2015 da girma na premiums amounted zuwa 30 biliyan rubles. Daga cikin wadannan, 18 biliyan rubles. tattara a tsawon lokaci Endowment inshora da kuma zuba jari. Reserves da kadarorin totaled 55 biliyan rubles. da kuma dubu 63 rubles. bi da bi.

Inshora kamfanin "Savings Bank Life inshora" yayi kariya sabis:

• wata dukiya da na mutane, ya kuma doka abokai, fãce ga motocin da kuma m kayan aiki.
• } ungiyoyin alhaki.
• kasuwanci kasada.
• kudi kasada.
• hatsarori.
• kiwon lafiya inshora.

makirci

Cash da kwarara a kan rayuwa inshora a Saukake makirci ne kamar haka.

A policyholder sa wata-wata ijãra a kansa dangane da sharuddan da inshora kwangila. Wannan yana nufin kamfanin for 10-20 shekaru, da aka aikata da su zuba jari domin ya sami wani shekara-shekara samun kudin shiga na 14-17%. Yana da muhimmanci a gane cewa wa'adin fee da aka lasafta ta da dabara ba wuya kashi (vol. E. Da wani hula) da kuma ta hanyar wani na musamman hanya wanda aka sani kawai zuwa insurer.

Wadannan kudi fada cikin farko ajiye cewa an kashe a wani banki ajiya, a dukiya ko jari. Na ribar sanã'anta game 15-20% na insurer reserves duk da kudi, da kuma 80-85% na abokin ciniki lists.

Kullum, zuba jari da kuma tanadi inshora da aka tsara don ba riba. Wadannan kayayyakin an tsara su don samar da taimakon kudi a cikin hali na kiwon lafiya matsaloli. Endowment inshora shirye-shirye rufe wannan kasada:

- rayuwa ga karshen kwangila.
- mutuwa (ga wani dalili).
- karbar na farko rukuni na tawaya.

Kudade ga wannan samfurin ne a cikin kewayon 5-10% na biya adadin. Sun dogara ne a kan shekaru (da mazan da inshora, da girma hadarin), jinsi (mata rayuwa fiye da maza), hadarin kafa bisa ga zaba shirin (kawai mutuwa, da rayuwa don a fensho, rasit na tawaya).

Credit inshora - ainihin samfurin a kasuwa

Tun 2014, Russia da damar soke inshora na mabukaci rance. Banks ne ba riba tada rates a kan rance ba, saboda shi zai shafi kudin bashi. A mafi karshen adadi, ƙananan matakin babban birnin kasar adequacy. Ko da yake dokokin da cewa inshora siyasa ne ba a bukata kafun ga bayar da bashi, a yi, to ba shi da wuya.

Tare da gabatarwar gyara ga dokar a kan mabukaci bashi hõre ta a cikin yawan gunaguni ya rage inshora. A cikin daya sayar da manufofin banki wakili sami 50-70% na kudin. Wannan shi ne wani gagarumin tushen samun kudin shiga. Ba abin mamaki ba cewa sana'a kasuwa mahalarta ne a wani sauri mayar da kudi ga rayuwa da kuma kiwon lafiya inshora. Sberbank da sauran manyan lamuntawa cibiyoyin har yanzu cika da yanayin da ma'amala. Amma da lokaci na yanke shawara a kowane banki ne daban-daban.

A cikin makonni biyu bayan rattaba hannu kan kwangila abokin ciniki yana da yiwuwar ya ƙarasa da yarjejeniyar da ikirarin ba tare da rasa zuba jari. Wannan sabis ɗin yana samuwa ga masu amfani da zuba jari, jari da kuma kunsasshen kayayyakin. Wadannan dokoki nema a "Savings Bank Life Assurance." Aikace-aikace an yarda ne kawai a rubuce don kudi ma'aikata reshe. Amma statistics nuna cewa, wadanda fata karbi yarjejeniyar ba sosai - kawai 3%. Wannan shi ne saboda da farko da matsalolin da suka taso wa abokin ciniki a kan abin da ya faru na da inshora taron. Dalili na biyu shi ne cewa abokan ciniki gabatar marigayi tare da irin wannan sanarwa da kamfanin.

Me ya sa wannan magana?

Company "Savings Bank Life Assurance", kazalika da wani sauran masu sana'a kasuwar yar iya komawa dukan adadin biya ta abokin ciniki kafin yarjejeniya shiga cikin karfi. In ba haka ba, da insurer wani haraji sakamakon. The kawai hanyar kauce wa gare su, kuma a lokaci guda cika da shari'a da bukatun - ya fasa wannan batu. A abokin ciniki alamu wata kwangila, biya siyasa, amma sabis daukan sakamako bayan wani lokaci.

A halin da ake ciki a inshora kasuwar

Don mai da kudi biya ga manufofin Insurance "Home Credit Insurance", "Renaissance Insurance" ko "yanki kamfanonin inshora 'abokan ciniki iya ma HCF-Bank. Idan abokin ciniki canza tunaninsa cikin kwanaki 30 bayan rajista da kwangila, ya iya samun 100% na kudin inshora. Za a mayar da su cikin lissafi da kuma nan da nan ya aiko zuwa sãka da rance. By ba daura rance inshora manufofin kudi ba za a iya refunded.

A irin wannan sabis aka miƙa "Promsvyazbank" da "BIN". Amma a duka bashi cibiyoyin rabo refunds low. "Alfa-Bank" kawai samun shirye su sa abu a son rai inshora kwangila, amma shi ne za su samar da abokin ciniki a tunanin 14 kalanda kwana. Amma "VTB 24" SSR "Bank of Moscow", da kuma "BKM Discovery" Ba la'akari da irin wani zaɓi.

Mafi qarancin yawan wadanda ba bashi inshora - shi ne na kullum. Tare da kara bukatun ga bashi, rage bukatar rance, wannan zabin zai iya jawo hankalin sabon abokan ciniki. "Sanyaya kashe lokaci" bayar da bankuna, wadanda kudin a kan rance ne ba a dogara a kan wanzuwar siyasa, da kuma ga wanda wani hukuman daga sayar da inshora manufofin ba da babban tushen samun kudin shiga. Wannan wani zaɓi zai inganta image na biyu da banki da kuma inshora kamfanin, watau. A. Rage da alama na da'awar.

Sberbank: rai inshora da jinginar gida

Damar bashi sha'awar wannan tambaya na kariya na rayuwa da kuma kiwon lafiya a lokacin da ake ji wa wani rance domin sayan gidaje tare da goyon bayan gwamnatin. Wadannan shirye-shirye da aiki a wata rage sha'awa kudi na 12%. Idan abokin ciniki ya ƙi fitowa rayuwa inshora, da samun kudin shiga na banki ya karu da kashi 1%. Hakika, za ka iya samun wani maida domin sabis kuma Ya lazimta a lokacin shirin lokaci, amma ko da a cikin wannan hali da kudi zai kara zuwa 13%. Haka ya shafi cikin ƙarshe ko da ba-sabuntawa da inshora ga na gaba shekara. Duk wadannan yanayi an rattaba kalma daga cikin aro yarjejeniya.

Duk da haka, masu zaman kansu inshora ya dade da aka gani a matsayin ƙarin hanya don su samu kudi daga abokin ciniki. Dukan more haka idan akwai yarjejeniya a kan kariya daga dukiyar bukatun iya shirya wani jinginar gida a 11,4%. Amma akwai da yawa tambayoyi game da sharuddan da yawa. Gaskiyar cewa sabis batun na iya zama kawai na "Savings Bank Life Assurance" domin a isasshe manyan kudi na 1% na aro adadin. Wannan shi ne, idan wani abokin ciniki sayen wani Apartment for miliyan 3.5 rubles., Yin saukar biyan miliyan 1.5 rubles., The bashin yana daukan miliyan 2 rubles. A inshora premium ga na farko shekara da kuna daga dubu 20. Rub.

Amma a gaskiya?

A gaskiya sauki ga inshora da rayuwar wani kamfanin girmamawa da bankin. A cikin filin, manajoji fi son su ci gaba da shiru game da shi ga dalilai daban-daban: daga gazawarsa da kayan amfani na ma'aikata. Gano abin da wasu kamfanonin hada kai kudi ma'aikata, zaka iya a cikin ofishin. website. Rayuwa inshora da jinginar gida a cikin Savings Bank za a iya bayar a cikin 16 da kamfanonin: "FAC", "Mawadãci Insurance", "VTB Insurance", "SOGAZ", "Zetta", "RESO", "Ingosstrakh", "Rosgosstrakh", "NASCO" "Renaissance", "fare", SF "Adonis", "Siberian Crane", "Spassky ƙofar", "REGIONGARANT" CO "Surgutneftegaz". Rates iya bambanta sama ko ƙasa. Idan Sberbank ma'aikata ki yarda da wannan shiri, ka tambaye su, a rubuta ƙi.

Zuba Jari kyawawa na inshora

Zuba jari Shirin kudi daga kamfanin "Savings Bank Life Assurance" offers da sabis yayin da kare zuba jari tare da zuba jari a cikin daban-daban dukiya a kan Rasha da kuma duniya kasuwanni. Bankin ajiya kawo wani barga, amma low samun kudin shiga. Mutual kudi bayar da mafi m kudaden shiga da damar, amma a babban hadarin, kuma da shiriya da suka yi ƙaura zuwa wata more nagartaccen masu zuba jari. Saboda haka, kara kyawawa na zuba jari shirin na Insurance Company "Savings Bank Life Assurance." Abokin ciniki reviews tabbatar da wannan.

yanayi

IC "Savings Bank Life Assurance" yana a cikin line na zuba jari kayayyakin. Lokacin da biyan taimako daga kudaden da nufi ga gargajiya kida (ajiya a banki, gwamnatin shaidu), da saura ne zuba jari, a zabi abokin ciniki kadara. Duk da haka, a karkashin wannan shirin da hadarin da ba-samu na samun kudin shiga da dama a kan abokin ciniki. Conservative kayan aikin ne ƙarin tabbaci na "Savings Bank Life Assurance." Mayarwa, ko kuma wajen da farko zuba jari adadin, abokin ciniki zai karɓi, ko da idan suka zaba da kadara ne cikakken depreciated.

A shirin ne na tsawon lokaci. abokin ciniki na iya ƙarasa ajalin da kwangila idan ake so. A wannan yanayin, shi zai karbi fansa adadin. A kasuwar rubucen da kuma hambarar da kullum m. Chance don samun wata babbar riba a cikin matsakaici lokaci. Nasara kasuwar yanayi zai iya canza a kowane lokaci. Bayan shekara biyu ko uku, za ka iya canza muhimmi kadara ba tare da wani cire bayan da farkon na zuba jari.

IC "Savings Bank Life Assurance" zuba jari samfurin a cikin layi ba positioned a matsayin madadin saka. Yana nufin abokan ciniki da suka riga da ajiya a banki, rufe da kwata da kudaden shiga. Faru a rayuwa da zai iya faruwa. Kuma daga cikin dogon lokacin da zuba jari saboda da wucin gadi asarar aiki da kuma sakamakon illogical. Amma kuma ya ci gaba da shekara-shekara kasafin kudin na bankin a kan ajiya ne ma ba daidai ba. A irin wannan jari iya samun wani amfani a samun ƙarin albashi.

Just a lokacin ga irin mutanen da-daidaitacce zuba jari shirin. A abokin ciniki a iya zabar wani kadara a cikin Rasha da kuma duniya kasuwanni. Haka kuma, mahalarta taron na shirin yana da wani muhimmin amfani - m haraji na samun kudin shiga samu. Abokan ciniki da suka kammala wata kwangila ta cikin Savings Bank Life Assurance na tsawon shekaru biyar da hakkin a yi a cire na sirri samun kudin shiga da haraji. A haraji da aka caje kawai a kan sashi da ya wuce kudin shiga na refinancing kudi.

International Health Insurance

"Savings Bank Life Assurance" kamfanin offers da abokan ciniki wani sabon samfurin domin kariya daga m cututtuka da yiwuwar ya sha magani a kasashen waje. Wannan zai ba da damar abokan ciniki amfana daga gwaninta na kwararru na cikin manyan dakunan shan magani na duniya da kuma rufe halin kaka na samar da kiwon lafiya a lokacin jiyya da hatsari cututtuka, fi, m Nazarin, samu wani gwani likita ra'ayi. Babban abũbuwan amfãni daga cikin sabis - mai fadi da kewayon kasada, kasashen inda ka za a iya bi, da kuma sabon sabis.

International likita inshora ba ka damar samun taimako a cikin yanayi inda ba a aiki da misali VHI: ciwon daji kula, tiyata, fi bayan Gabar dasawa. A shirin samar for rike profobsledovany kasashen waje. Da manufofin ma rufe magani daga cututtuka da cewa an samu a cikin abokin ciniki kafin cikar kwangila (amma ba a baya fiye da shekaru 2), kazalika da a karshen ajalinta. Bugu da kari, abokin ciniki na iya sayan wasu kunshe-kunshe a kasashen waje.

International bashi rai inshora (Sberbank) damar abokan ciniki zuwa karbar magani a manyan asibitoci a duniya:

• a Jamus, da Isra'ila, Spain, Turkey, Rasha - ciwon daji magani da kuma tiyata.
• a kowace ƙasa - dasawa.
• a Isra'ila - da gyaran fuska da kuma samun palliative kula.

A m of "duk m" a cikin inshora shirin samar da ba kawai sami biyan bashin, amma kuma wani sabis don kungiyar na magani tsari, abokin ciniki ta tafiya, kazalika da ta raka mutane. High-matakin da sabis ne a kusa da nan kowane lokaci. Da fari dai, kafin, a lokacin da kuma bayan jiyya na samar da shawara hotline. Abu na biyu, a farashin ya hada da kudin da iska tafiya ga abokin ciniki da kuma rakiyar asibitin kasashen waje. A lokacin na tsanani da rashin lafiya muhimmanci m taimako.

shirin lokaci ne shekaru 5. Yanayi azurta yiwuwar shekara-shekara sabuntawa da kwangila. A shekara-shekara iyaka da Miliyan Xari inshora da mutum ne $ 1 da miliyan tare da yiwuwar tripling. Saboda fadi da na labarin kasa ɗaukar hoto na siyasa da aka bayar kawai a dalar Amurka. Matsakaicin shekaru na abokin ciniki - 65 years. Akwai fifikon shirye-shirye ga abokan ciniki da suka yi a kwangila ga dukan iyali, kunsha na 5 mambobi.

Inshora Pokemon - wani sabon samfurin a kasuwa

Pokemon - shi ne wani hali daga sabon mobile wasan Pokemon Go. Yana da aka tsara ba kawai ga yan wasa, amma kuma da bankers. "Roketbank" ya kasance daya daga cikin na farko wanda ya kaddamar da wani inshora shirin catchers Pokemon. Domin "kama" a reshe na bankin da harafin cardholders sami 50 rubles ga bonus lissafi.

Wannan aikin ya kwanan nan shiga Sberbank. Ya bude musamman website ga 'yan wasa da adiresoshin na 28 raka'a, jawo zane mai ban dariya haruffa. kudi ma'aikata ta gudanar da bukata da cewa da za su iya jawo hankalin reshe m yan wasa. Idan, yayin lokacin kama na daya daga cikin Pokémon abokin ciniki ne suka ji rauni, kamfanin SC "Savings Bank Life Assurance" biya shi da inshora ga wani matsakaicin adadin 50 dubu. Rub. Aikace-aikace don sa hannu a cikin shirin za a iya ƙaddamar kai tsaye daga shafin.

Don kara amfani yan wasa, Sberbank riko da yaƙin neman zaɓe "Koyaushe alaka". Katin kambun iya kunna "Avtoplatezh" har 18 ga watan Agusta, recharge akalla sau daya - kuma nan da kamawa pokemon bashi ma'aikata za su biya wani player 500 bonus, "Na gode." Bugu da kari, abokin ciniki zai bukatar aika a screenshot, kuma a wayar hannu lamba a PM Sberbank al'umma a kan Facebook ko "VKontakte".

"Tinkoff Bank" ya miƙa ta hannun jari da yanayi. Kowane abokin ciniki, a nemi katin bashi Tinkoff Google Play, da na rance ma'aikata za su biya 2000 kari. Za su iya biya domin wani sayayya a cikin online store, ciki har da wasan Pokemon Go (1 aya = 1 ruble). Game da haka na samar da wani tsabar kudi-baya yan wasa a duk sayayya na Google Play (10%), gidajen cin abinci (2%) da kuma ga dukan sauran sayayya (1%).