Silixelele eli bali kunyaka odlulileyo. Inkundla inyanzele i-tatyana evela eMinankank kunye nentombi yakhe eneminyaka emine ubudala ukuba bakhuphe igumbi elisemthethweni apho umfazi wayekwazi ukulungisa. Impazamo ye-Itarium yayiyimpazamo ye-Deary - Intombazana esencinci engakhange ibone uyilo lwelifa xa igumbi langaphambili livavanywa komnye umntu. Emva kokupapashwa kweli nqaku, eli tyala latyelela iNkundla ePhakamileyo kwaye yathunyelwa kuqwalaselo olutsha. Okwangoku, indlalifa ukuya kwiyonke iya kunxibelelana nohlelo. Uphelelwe ngu: Kwakutheni ukuze abantu bafumane ubudlelwane enkundleni xa bebandakanyeka kwimpazamo yomnye umntu? Ngubani oza kuthi ekugqibeleni abe noxanduva?
Impazamo iphume
Khumbula indlela ezenzeka ngayo iziganeko. Ngo-2016, uTatiana uthenga isiphatho esincinci esibini kwindlu yakudala kwiSitrato saseKizhevatov eMinsk. Igumbi lokucinezelwa kwemeko yoxinzelelo, kodwa ixabiso linomtsalane kakhulu - $ 35,000 ngenqanaba. Umthengisi yindoda egama linguMykola, eyakhululwa entolongweni. Ihamba ne-arhente ye-Intanethi ye-Real Estate "molnar". Iifenimengi ziqinisekisa ukuba indlu icocekile ngokusemthethweni, nceda ngoyilo lwamaxwebhu, thatha i-1 000 yeedola kwiinkonzo zabo. Inyanga emva kwentengiselwano, uTatiana uza ekhaya kwaye efumana inqaku emnyango nebinzana elithi "le ndlu ayithengiswa."
Ityala livula inyani eyothusayo. Kuyavela ukuba indlu yegumbi ezimbini zeKizhevatov yeyamfazi osele ekhulile, uAntonina Petrovna, oneminyaka eyi-2005, kwiminyaka embalwa ephambi kokuba afe, ethabatha indlu yeNenene Mikhailovna. Ngenxa yoko, uNikolai (unyana ka-Antonina Petrovna, owayehleli entolongweni) wasala ngaphandle kwelifa. UNitha Mikhailovna ubhekisa kwi-Ofisi ye-Afisi ye-2 ye-OKYYBSKY SIDRK ye-MSCK ngengxelo-mali malunga nokukhupha isatifikethi somthetho. Kuyinyani, akathathi isatifikethi sezandla kwaye iminyaka emininzi awenzeli indawo yokuhlala kwipropathi.
Ngo-2016, uNikolai uvela entolongweni aze ajike kwiofisi efanayo, apho anikwa isatifikethi selungelo lokufumana isalamane esikufuphi nomama oswelekileyo. Kukho impazamo yelitye apha - xa ikhupha uxwebhu, uMareya akazange abone ukuba kwiminyaka esibhozo eyadlulayo, imeko yelifa yayisele ihambisekile eNitha Mikhalovna, umzala kaNicholas. Kungekudala kumalungelo omnini, umntu uthengisa indawo yokuhlala iTatiana, kwaye kwenzeka ntoni - sele sazi.
INkundla ePhakamileyo: Yaphula amalungelo omfundi wesazela
Ngo-2019, iNkundla yeSithili i-Ekyyabrsky iwamkela ubungqina obungasebenziyo bakaNicholas kwilungelo lokufumana ilungelo. Ngokwe-chain, intengiso yekhontrakthi kunye nobhaliso lokudluliselwa kobunini beTatiana nayo ayisebenzi. Ubunini bendlu ibonwa njenge-nitha mikhamilovna ngokulandelelana kwelifa. Emva kwexesha elincinci, iNkundla yasedolophini ishiya isigqibo sesithili.
Kwakukho umbono webali kwi-onliner. Kwaye ngoku, ngokungalindelekanga, uSekela-Sihlalo weNkundla ePhakamileyo uAndrei Bunk yenza uqhankqalazo, olubonisa: Amalungelo kaTatiana aphulwe njengomfundi onesazela. Ityala lithunyelwa kuhlaziyo. NgoNovemba i-20 kaNovemba, iNkundla yeSithili se-Okybizwabsky ivakalise isigqibo esitsha: Ukwala uNina Mikhailovna ngamabango. Oku kuthetha ukuba igumbi lihlala lelikaTatiana, akukho mntu nentombi yakhe ivavanywa kwizindlu ezithengiweyo ngokusemthethweni. Liyinyaniso elokuba, uloyiso kukubhiyozela kwangoko. Ngaphambili kuseyinkundla ye-Minani yeSixeko.
"Ufuna umqolo wam ukuze ngokukhawuleza uguqule isivumelwano?"
Kwaye yintoni indlalifa kumyolelo? Kunyaka ophelelwe nguNina Mikhailovna, kodwa kwiNqaku eliPhakamshelweyo lathembisa ukumnika iLizwi ukuba libona kufanelekile ukuba likwazi ukunxibelelana neziganeko. Kutshanje, umfazi ngokwakhe weza kumhleli. Uxelele ukuba kutheni kungasakhawuleze ukubhalisa ilungelo lobunini kwaye kubonakala ngathi kungaqhelekanga kulo lonke eli bali.
- UAntonina Petrovna, umama womzala wam, wayedla ngokuphinda-phinda uNikolai. Nxibelelana nelinye ihlelo. Ewe, wayekhathaza ukuba uNyana unokuhlala ngaphandle kophahla ngaphezulu kwentloko yakhe. Ke ngoko, ndaye ndagqiba kwelokuba ndimke esonweni sesono ukuya kwigama lam. Wayezolile kakhulu. Kuvunyelwe ukuba uNikolai uya kuhlala kule ndlu ngendlela efuna ngayo, kodwa phantsi kweliso lam. Kwaye, ewe, wayesazi ngesi sivumelwano. U-Antonina uyafa ngoNovemba ka-2008, kwaye ngoFebruwarini nikolai usentolongweni.
Ngoku malunga nokuba kutheni ndingakhange ndenze igumbi lepropathi kuyo yonke le minyaka. Uyabona, uNikolai wayehleli ngokubulala. Bendingafuni ukuba acinge ukuba ndigqiba kwelokuba ndibuyele emqolo. Ndacinga ukuba yayiza kuphuma, siya kuma-Amsury kunye, siya kulithetha ilungelo lokufumana ilifa - mbone ukuba andifihli nto. Bendibucele ngaphambili ukuba kunyanzelekile ukuba ubeke indawo kwipropathi. Kwaye impendulo yalandelwa: "Umthetho awusebuswanga ngumthetho, kungenziwa iminyaka eli-100 ubuncinci."
NgoFebruwari ngo-2016, uNikolay uvela entolongweni. Nge-17 ka-Agasti, ndibhalele kwiofisi ye-Afisi yobutsha. Kwaye emva koko ndifumanise ukuba igumbi sele ithengisiwe. Ngaphandle kokubonisana nam, nguJuni uye wasuka e-Istrery waza ilungelo lokufumana isalamane esisondeleyo somama oswelekileyo. Ngaphandle kokujonga ulwazi kwincwadi yemicimbi yelifa, lowo ukhutshwe ngempazamo.
Ukwenza igumbi, uNikolai wemka kwenye indawo kwi-Grodno, uthenge indlu yelali apho. Ndizamile ukunxibelelana nomthengi wendlu, eshiye inqaku emnyango nenombolo yefowuni. Ibizelwe kwi-Arhente yeZindlu nomhlaba. Ndabalumkisa ukuba igumbi lehlathini yayinempikiswano yokuba akunakwenzeka ukuba uyithengise. Ndaxelelwa ukuba: "Ewe, kwaphuma impazamo, kodwa awuxhalabenga, siyawulungisa umbuzo." Ndaye ndizolile. Kodwa kukho ixesha, akukho mntu wandichama, kwaye xa kuphela ixesha lasondela esiphelweni, ndagqiba kwelokuba ndenze isicelo kwinkundla.
Kwincoko nathi, uNitha Mikhailovna uthetha malunga neemeko ezingaqhelekanga zentengiso yendlu.
-Wahlulwe nge- $ 35,000. Ijika i-886 yeedola, ngelixa ixabiso leSixeko Ngeli xesha laliyi- $ 1192. Kutheni le nto iphantsi kwaye yintoni engxamisekileyo? Ngaba ufuna umqolo wam ukuze ngokukhawuleza ujike intengiselwano? Asinguye na lowo uNikolai, ebeyazi le nto ngegama lam, kodwa wayifihla le nyaniso? Inqaku lesibini: Ngaba iarhente kwaye umthengi akanambuzo wokuba ngubani ngalo lonke ixesha uNikolai wayesejele, iinkonzo ezihlawulelweyo, ezenziwe ngentlawulo yokulungiswa kwendlu?
Kwi-Arhente ye-Arhente yeZindlu nomhlaba "molnar" imeko sele iphawuliwe. Njengokuba, babengazi ngendlaliki yesibini. Iingqondo azinakufikelela kwimicimbi yelifa, ngoko ke kuye kwafuneka ndithembele kuma-Amrey. Ke kutheni ezi ncoko malunga "nenguqulo epheleleyo kwindlu" kunye nezinye iziqinisekiso zobunyulu botshintshiselwano?
Kodwa eminye imibuzo evela kuNitha Mikhailovna hayi kwi-arhente yendawo yokuhlala, kodwa ngaphandle kweofisi ye-Afisi ye-Afisi kaNofu. 2 yendawo ka-Okthobha:
-Ingcali eyenza impazamo yahlulwa ngokuyikhumbula emsebenzini. Kwavela loo nto eNkundla, abantu babexambulelana, bathwaxwa kakhulu le mpazamo. Kutheni le nto inkundla inganemibuzo kumenzi wobubi bokwenyani?
Intlawulo ye-inshurensi: kwaye uqale ukubonisa umonakalo
Kuthekani ngeentlawulo zeinshurensi? EBelasus, i-Norionary nganye igqibe kwelokuba isivumelwano seinshurensi yoluntu kwimeko yomonakalo kubantu besithathu ngenxa yempazamo. Umda woxanduva ubuncinci ubuncinci bezixa ezisisiseko. Ngaphezu koko, igumbi le-Belarusia liqukumbela ikhontrakthi eyongezelelweyo yeinshurensi yesixa esigqitha kwi-1000 esisiseko. Iintlawulo zeinshurensi zinokwenzeka ukuba inkundla iya kubangela ubudlelwane be-causal phakathi kwezenzo zomonakalo nomonakalo.
Ngo-2017, uNitha Mikhailovna wabhenela kwiBelgosstrakh. Inkundla yamqonda ukuba ungakhathali kwaphela, obangele ukwaphulwa kwamalungelo epropathi, kodwa uyala ukuhlawula. Siza kucaphula inkcazo yeBhodi yeMithetho yokugweba: "Ixabiso lenzakali kumalungelo epropathi igqitywe kwisixa semali esenziwe lixhoba ukubuyisela umthetho ophucukileyo. Ummangali akazange anike inkundla yobungqina obunokubandezeleka iindleko zokubuyisela amalungelo aphuhlisileyo, kwaye ke ngoko ke wafikelela ekungabikho kwamabala entengiselwano. "
Le yindlela usihlalo weCoune yeCoune yeCoune yeCouner yaseLena Methelskaya egqabazekileyo kule meko:
"I-inshurensi yoxanduva lwaseburhulumenteni, kunye ne-inshurensi ngokubanzi, lulwalamano olungqongqo kwaye luhlala ngokucacileyo ngumthetho, kuba malunga nembuyekezo ngomonakalo. Kwimeko echazwe, umsebenzi ongu-Insure wawusebenzisa i-inshurensi, njengoko umthetho ufuna. Kodwa ukuba indlela yeinshurensi efunyenwe, inyani yokubangela umonakalo kwipropathi kunye nobungakanani bayo kufuneka kusekwe kwinkundla.
Ngokubanzi, ukuba sithetha nge-inshurensi ye-Inshurensi, kule minyaka mibini idlulileyo kwiPhulo laseBelarusia laliqhutywa kakhulu ukuphucula le ndlela yokukhusela iimfuno zabathengi. Ke, ukusukela ngoJanuwari 3, umthetho ohlaziyiweyo wachaza izizathu kunye nemida yoxanduva loMgadi, ukuthetha-izenzo zekhonkrithi (okanye ukungasebenzi), kubandakanya i-inshurensi ye ubungakanani bemali yeinshurensi phantsi kwemvumelwano. Njengangaphambili, igumbi le-Belarian linentlangano ye-inshurensi, imvumelwano eyongezelelweyo yeinshurensi yetyala, ukuba i-inshurensi imeko ye-inshurensi phantsi kwemvumelwano yophawu olukhethekileyo aluyi kwanela. Ukufumana i-inshurensi, inyani yokuba wenza ingozi ngophawu lobungakanani nawo, njengangaphambili, kusekwe yinkundla.
Utshintsho olubaluleke kakhulu lwachukunyiswa lixesha lokuphela kokungenisa imfuneko kwintlawulo yembuyekezo ye-inshurensi. Eli xesha linyuke ukusuka kwiminyaka emithathu ukuya kwelishumi (ebalwa ukusuka kumhla xa umntu obangekenzi i-subutha kwipropathi yabathengi, i.e. ukusukela ngala mhla wesiganeko se-inshurensi). Kubalulekile ukuba isicelo se-inshurensi ye-inshurensi umthengi unokungenisa nangeminyaka elishumi. I-Inshurensi, amatyala okuseka ixesha elibi kakhulu anqabile, kodwa olu tshintsho lwamkelwa, kuthathelwa ingqalelo ukubaluleka kwemicimbi efikayo. "
Amabali afanayo ngakumbi:
Itshaneli yethu kwi-telegraph. Ngena ngoku!
Ngaba ikhona into onokuyixelela? Bhala kwi-bot ye-bot telegraph. Ngokuqinisekileyo kwaye ngokukhawuleza
Ukuprinta umbhalo kunye neefoto ezingu-onliner ngaphandle kokusombulula abahleli akuvumelekanga. [email protected].