Chirango CTP: sei kuverenga?

Sezvo 2014 kuchinja kwakaitwa kuti mutemo. Zvino inishuwarenzi Makambani dzinotyora nezvaiva muripo kubhadhara vabhadhare liquidated kukuvadza kuti CTP. saizi yayo kunoenderana chitsama vachibhadhara uye kunonoka nguva. More udzamu kana sei uye kushandisa akanaka CTP, verenga mberi.

CTP

Sezvo pakatanga CTP akava pesvedzero inobatsira ezvinhu mumigwagwa Russian uye kukura musika inishuwarenzi. Pasinei nezvikanganiso, CTP anoramba kutanga. Chero muridzi Motokari vanosungirwa inishuwarenzi kuita kwayo. Kana iwe kutaura kambani kubereka shoma kukarukureta. Mutengo mutemo anoenderana kururamiswa zvinhu, tariffs, asi inodzorwa panguva zvemitemo chechetere.

Somuenzaniso, mutengo mutemo inishuwarenzi mumotokari pamwe vanokwanisa 120 litres. a. rimwe gore kuti risingaperi nhamba vanhu vakura kupfuura makore 22 chete chiitiko nokudzinga kusvika makore maviri, akabvuma kuti munguva Berdyansvke uye Moscow achava akasiyana utariri.

mutemo

Maererano nomutemo mazwi achitogona zvinoreva mari iyo imwe pati anobvuma kubhadhara imwe kutengeserana, kana asina vakasangana nemamiriro ezvinhu chesungano.

MTPL Chirango zvinogona kushandiswa nemakambani inishuwarenzi, izvo akabvumira nokunonoka kubudiswa kutenda nokuda mutyairi kana apo tichifunga zvikumbiro mamwe makomborero.

The Federal Mutemo № 40 "On Rokumanikidzwa" chinyatsotsanangurwa kodzero uye mitoro yacho UK, ayo basa kana vasiri kuitwa. Kunyanya, mutemo anopa fanira kubhadhara Zvirango pakuparwa:

• nokuvhiringidzirwa riini vachibhadhara kana kunonoka zvivabatsire kugadzirisa motokari (mu gwaro anoratidza nguva kuita mabasa) kusvika mhosva yacho insurer;
• Kukundikana kudzoka muripo nguva, kana zvakadaro zvaitaurwa kondirakiti.

nyaya dzose idzi dzinokurukurwa zvakadzama:

1. Civil Code.
2. Mutemo №4015-I «About makambani inishuwarenzi."
3. Federal Law №40 «About CTP."

How kuverenga chirango CTP?

Kana kambani yacho inishuwarenzi Wakashora nezvaiva muripo, inofanira kubhadhariswa - 1% uwandu. Kukarukureta chirango nokuda CTP kubudikidza mutoo:

H = L X (1: 75) C X 100, apo:

H - CMTPL mutongo;

• D - Mazuva ose kunonoka;
• C - the refinancing mwero;
• B - chitsama muripo pasi chibvumirano.

Day kwokunyoreswa muripo chionekeso chiri kufungwa iri Masvomhu. Nuances zvingaitika kana motokari pakugadzira. Mutoro unhu uye nguva basa iri insurer.

Kana boka asingadi akabhadhara muripo, dzemaitirwe hwuchavapano pasi yaipedzerwa chikwereti. Kana haasaruri mubhadharo asi vatakurwa kunze, zvino mutongo kuchaita Change inobva chikwereti vasara. Kana ari issuance mugwara mari iyi achavaponesa nguva waro chionekeso.

nemiganhu

Mutemo inopa aripe nezvatisingagoni. Kana zvakakanganiswa kwakakonzerwa ne:

• pfuma chete - 400 zviuru p..
• upenyu uye utano - 500 zviuru S. ..

Chimwe kukamurwa kuti chitsama mutongo kurege kusapfuudza Verengai insured pasi chibvumirano. Statement iri Rokumanikidzwa mutongo rinoshandisirwa boka sezvo chikamu pre-nomuedzo zvekufamba. Rine mashoko nokuda kuchinjwa mari.

mienzaniso

Inishuwarenzi vasisaiti mashoko indemnification uye overstayed muripo kwemazuva 20. The dzosera yakawandisa 120 zviuru. Rimwe zuva kunonoka riri 120 X 0.01 = 1,2 fung. P. Nokuda kwokuripirwa mutengi anofanira kutaura zvakakodzera mutsara.

Mushure tsaona zvakakuvadza motokari uwandu 150 zviuru. P. A kwakakwana fomu mari kwave vakabvuma kambani musi 1 September. Muna September 30, muripo haana kugamuchira. Total kunonoka kumwedzi mazuva 10. Rimwe zuva kunonoka mune kambani mari 1.5 zviuru. P.

mazwi

Mukati memazuva 20 okutambirwa kwakakwana yakatarwa magwaro vabhadhare inishuwarenzi muripo, kupa nhungamiro kugadziriswa kana kupa munhu akakurukurirana kuramba. Kana dzakaonekwa kusava kuchengetedzeka, ari insurer anofanira kuzivisa mutengi uye zvinopa munhu azere mazita zvisipo magwaro. Kana bepa haasi mashoko akarurama kana magwaro zvavo havana inopiwa, sangano urege kubhadhariswa kana zvimwe muripo.

Terms zviri kuripwa mutongo anofanira nezvaro kondirakiti. Kunyange Kazhinji ichi pfungwa makambani kurerutsa. Naizvozvo, pakupera kwemwedzi anotevera chisarudzo unofanira kuzviisa pasi kutaura kune boka uye kumatare. vari zviitiko zvakadaro zvikabatwa nokukurumidza. Mukati memazuva 10 pashure sarudzo inofanira kuripirwa liquidated kukuvadzwa muripo.

jurisprudence

Kana nyaya inoenda kudare, zvinokosha kuti mashoko maviri kutaura. Chokutanga - kubhadhara muripo, uye wechipiri - kuti yeGmail.END_STRONG rinovimba pamurango CTP. Vose Mashoko inofanira munyaya imwe chete kunzwa. In mashoko, unofanira tsanangurai:

• kuziva bumbiro kwawo simba application chinoitwa uko;
• Mashoko ose yomupomerwi;
• All kubvunzurudza chokuita tsaona;
• migumisiro kuongorora;
• uwandu chikwereti kubhadhara kuti muripo uye Zvirango.

Court kazhinji anoita chisarudzo chakanaka.

Pena CTP: nuances

Munhu wacho angataura muripo kugadzirisa motokari yake. Anosarudza nzira reparation: mune mari kana ari muchimiro kugadziriswa vebasa. Kana njodzi kupomera mativi ose, kuti muripo iri vanobhadharwa zvakaenzana.

The nzira pachahwo ziviso petsaona inishuwarenzi yachinja. Kana tsaona vanobatanidzwa motokari mbiri, varidzi vane CTP, uye kwakanga kusina kukuvara, mumwe wavo anoenda kambani yake. Mune zvimwe zviitiko, unofanira kushandisa kuti kambani chaikonzera.

Zvinofanira tsaona Clearance kubudikidza evroprotokol uyewo kuchinja. Bato rimwe nerimwe unofanira kuzivisa kambani yavo mukati 5 kushanda mazuva. Zvikasadaro, Muvambi vachafanira kuripa kukuvadza achizvibhadharira zvaanoda. Kana paine vhidhiyo kana mufananidzo zvakaitika netsaona, kufadza uwandu kubhadharwa muguta guru uye Leningrad nharaunda achava 400 zviuru. Kuzora.

Munhu wacho anofanira kuratidza kambani yavo motokari mukati 5 Mazuva mushure tsaona. Panguva chikumbiro yacho insurer, mhosva kupati wechitatu. Zvinofanira zvinopawo motokari vaongo- mukati memazuva 10 kubva musi okutambirwa kushanda. The mhosva munhu haabvumirwi dzokurasa motokari kana kugadziriswa mukati 15 kushanda mazuva, zvikasadaro mutongo inishuwarenzi pamusoro kuripwa CTP uye hapana muripo zvichabviswa kubhadharwa.

The insurer kungada kuripwa muripo uye Zvirango ari pretrial kuti. Kana mapato zvinokundikana kubvuma, kuti kuzoita kukuvadza kuti CTP uye muripo chichaitwa kuburikidza mudare. Insurers vanosungirwa kuti mari yose iri pretrial kuti. Asi chokwadi, uwandu isingasviki avo vatengi vanovimba murayiro izvi. Naizvozvo, dzakawanda dzenyaya idzi mapedzere kuburikidza kumatare.

Other zvirango

Mutongo - ichi ndechimwe mvumo, hunoreva insurer iri huye zvaipesana mashoko kubhadhara muripo. saizi yayo kunoenderana uwandu mhosva. Kana zvaipesana mashoko yepa muripo boka vanofanira kubhadhara 1% hunonyanya huwandu kunonoka pazuva. Kana makasimba yakanga yatyora tichitarisa inoenda kugadziriswa, kuti zvaizopedza vachava 0.5% kubva chikwereti. With chero nzira pakuverenga ari Yakabudiswa varege kusapfuudza unovimbisa shoma kondirakiti.

Kana kuti muripo kuti vatengi vachafanira kubata kutaura, mutongo wedare iri mutongo CTP achapiwa nechimwe sarudzo iri rokumanikidzirwa kubhadhara fines. Ndicho chikuru muripo wemari kuti kunonoka. Late kutapurirana mari kuti munhu anoyamurika ichaongororwa kuva kutyora kupfuura chakakura nokubatira yacho insurer.

Article 16 of Federal Mutemo "On Rokumanikidzwa" inopiwa inofanira akatorazve nepakudiwa dzinongoitika munhu wakanaka pakakuvara kubhadhara muripo. Kana pokushandisa Society Chokudzivirira Consumer Rights, vakavimba hafu mutongo uwandu. Huwandu mutongo uri 50% uwandu muripo kuti nyaya iri mubvunzo. Pasina kufungisisa mari kuti vakabhadharwa nokuzvidira mukati 20 mazuva, Zvirango, uye nezvimwe muripo.

mumwe muenzaniso

Yaipedzerwa mubhadharo nedare iri 50 zviuru. P. Ari yakagoverwa mitemo 20-zuva nguva kambani achidzorerwezve zviuru chete 10. P. zvinodiwa akuvara webato iri nyaya iri OZPP.

= Amount youpfu (50 - 10) x 0.5 = 20 zviuru R .. Izvi, 10 000 otora vakuvara, uye sezvo vazhinji - OZPP.

Features

Yaipedzerwa Zvirango varege kusapfuudza kunonyanyisa huwandu muripo wakakodzera mhando inishuwarenzi uye kukuvadza.

Kana boka akaita kupfuura imwe mhosva, kuti mvumo inogona akakumbira mumwe nomumwe wavo.

Kuderedza kubhadhara kudare vangangoti pahwaro Mitsara yomupomerwi uye kana akaverenga marangirwo disproportionate migumisiro kutyorwa chete.

zvirango All anechekuita kupora muripo kubva PCA.

Achipa dare anoti muripo hakuiti pakunomboita kambani kubva kuripwa chirango.

Musiyapaduku uwandu mubhadharo

Inenge nguva dzose underestimates dare vakaverenga chitsama mutongo. Kusara iri apo nyakupomerwa vakakundikana kuoneka mudare vachinzwa, uye default mutongo. Kana shoma muripo, kunonoka ishoma, pane mukana kuti uwandu kuderera haazovanzwiri.

Kugadzirira muedzo ichiri kudikanwa. Somuenzaniso, kuti submissions Anonyorwa iri kuratidza:

• kusawirirana dzaro chikumbiro kuderedza muripo nokuda kushaya chikonzero;
• nyora zvakafanira zvose ezvinhu ari kuti rutapudzo kuti mari uye vachiravana anoratidza zvinhu vasina akasangana.

akanyorwa tsanangudzo Somuenzaniso kudiwa kuisa nyaya faira. Kana dare achapa pauriri kupindura, zvakakodzera zvishoma inzwi nzvimbo yayo, kufunga pamusoro inokosha pfungwa.