I-2020 ibe luvavanyo lovavanyo kuzo zonke iintlobo zeshishini, icandelo lezezimali alikho. Ekuqaleni konyaka, oonoqikelelo lwaludanisa kakhulu, kodwa, ngaphandle kweziphumo zeenyanga ezili-9, kwacaca ukuba inani leenyanga ezili-9, kwacaca ukuba inani lezifungo zeinshurensi yobomi ngokubanzi kunye nenkqubo yeinshurensi yobomi bobomi , ukuthi ngqo. Ke, ngokweenyanga ezili-9 zokuqala ezingama-2020, iipremiyamu zobomi zinyuke nge-4%, ukuba zithelekiswa nexesha elifanayo kunyaka ophelileyo, kunye namabhaso e-NSH abonakalise ukunyuka kwama-29%. I-inshurensi yobomi yindawo ephambili yentengiso yeinshurensi, kunye ne-NSG, umqhubi we-inshurensi yobomi, uMlawuli we-Inshurensi wobomi be-PPF i-LLC kwi-Bankiros.ru.
Ngokutsho kwesithethi, izinto eziphambili zokuthandwa kwemigaqo-nkqubo yokugcina i-inshurensi yayizazi isidingo semfuno yolondolozo lwemali wetyala elingaxelelwanga kwimo yoqoqosho olubangelwe yi-A isifo esikho elizweni jikelele.
Nangona kunjalo, ukuthetha ngecandelo le-NSG, kufanele ukuba lukhunjulwe ukuba namhlanje kukho iintlobo ezi-2 zeenkqubo ze-inshurensi yobomi obunokubakho.
Uhlobo lokuqala ziinkqubo zexesha elifutshane kunye negalelo lexesha elinye, lihlala linikezelwa ngabasebenzi beebhanki njengendlela yokufumana imali yokuthenga kwiingozi ezininzi kunye nengeniso eyongezelelweyo.
Uhlobo lwesibini: Imigaqo-nkqubo ye-NCJ yexesha elide eneminikelo yamaxesha ngamaxesha (ubukhulu becala ngekota, ngonyaka okanye ngonyaka). Zijolise ikakhulu kuncedo lwezezimali kumthengi kwiimeko ezahlukeneyo zempilo, kunye nokugcina iimali zayo kunye nokwenziwa kolondolozo. Ezo nkqubo zifuna indlela nganye kunye nokuqwalaselwa rhoqo kumthengi ngalo lonke ixesha lemvumelwano (iminyaka eliqela), ekunzima ukuyibonelela ngezixhobo ezinqongopheleyo kunye nemveliso ebanzi yebhanki.
Ngesi sizathu, ukuphunyezwa kwale migaqo-nkqubo kuphela kwabasebenzi abaqeqeshiweyo kakhulu kwe-Arhente ye-Arhente - Abacebisi bezezimali abakhuphisana nabo kwicandelo lemvumelwano yemvumelwano yemvumelwano, inani elicwangcisiweyo lolondolozo, Isixa semali, iseti yemingcipheko, ikota yemvumelwano) ngokusekwe kwiimfuno, iinjongo kunye nemithombo yemali yomthengi othile, kodwa kwakhona iyahamba kude kube sekupheleni kweMgaqo-nkqubo, ukuba Fumana inkxaso ngexesha elifanelekileyo xa kubanqobo sisemngciphekweni, kunye nokucebisa kuyo yonke imiba.
Ngenxa yoko, umgaqo-nkqubo we-NCG sisixhobo esiguqulelweyo esiguqula zonke iimeko ze-inshurensi, esongezelelekileyo kwimizuzu enzima yobomi kunye nokunceda usukelo lwezezimali ixesha elithile (ekupheleni kwenkqubo, Umthengi ufumana inani elicwangcisiweyo lokuqokelelwa).
Ingcali yakho ikholelwa ukuba ngonyaka we-2021, imfuno yezi nkqubo iza kuqhubeka ikhula. Isiqinisekiso soku kukhula kukuthotyelwa kwemigaqo-nkqubo yeemfuno ze-NSG zexesha elide, kuba zibonelela ngokhuseleko lwezezimali kwimingcipheko yemingcipheko ukusuka kumngcipheko wesivumelwano. Ukukwazi ukukhetha ngokuzimela isixa esikhoyo kumthengi abakulungele ukutyala imali ekukhuseleni nasekuthiniyo ukhuseleko kwixesha elizayo ikwaninzi kwenkqubo.
LIRTAROS.BE:Ngaphandle kokuphuma okukhulu kweedipozithi, yiidiphozithi zebhanki ezihlala yeyona ndlela inokuthenjwa yokonga imali. Ewe, amaxabiso ngoku ashiywe ukuba anqwenele into elungileyo, kodwa inzuzo yabo iqinisekisiwe. Le yokugqibela ayinakuthembisa kwiimveliso zotyalo-mali. Nayiphi na imveliso enotyalo mali lwamagama uthetha ngemingcipheko. Nokuba ukulondolozwa kotyalo-mali lwabo ngokupheleleyo, kuchanekile ukuba kwenziwe icandelo lengeniso. Ke ngoko, ngokutyala imali kuyo nayiphi na enye imveliso, umntu kufuneka azi kumngcipheko wakhe.