Nokuda kwechimwe chikonzero, zvinotendwa kuti kuchengetedza, kudyara uye kumwe kudyara kwemari ibasa revarume. Vanoti vanhukadzi vanokwanisa kuronga bhajeti remhuri riripo – uye zvakwana. Nyaya dzemari dzakakomba dzinofanirwa kugadziriswa nevarume - shure kwezvose, zvakaoma, zvine njodzi uye zvinoda ruzivo rwakanyanya ... Ndizvo chaizvo here? Ngatizvione!
Kutaura zvazviri, kodzero yevarume yakasimba panyaya dzokuronga zvemari, chokwadika, rusaruro uye maungira ekare. Mazuvano, vakadzi vakawanda havangobatanidzwi chete mukugadzirisa nyaya dzemari dzemhuri, asi zvakare vanomhanyisa bhizinesi ravo, kuita sarudzo dzenguva refu uye kuronga mabhindauko anobudirira nekudyara.
Panguva imwecheteyo, kana kuita bhizinesi rako pachako kuchiri kuda dzidzo yakakosha kana ruzivo rwakawanda runoshanda, kuronga kudyara kwemhuri kwenguva refu kunowanikwa kune mumwe nemumwe wedu!
Parizvino, pane zvirongwa zvakawanda pamusika izvo zvinokutendera kuti ugone kudyara mari yemhuri kana yemunhu, kwete kungoita purofiti yenguva refu, asiwo nekuvimbika kuchengetedza njodzi dzako. Kunyanya, inishuwarenzi yehupenyu hwekudyara (IOL) zvirongwa ndeimwe yemienzaniso mikuru yekudyara kwakadaro.
ILI zvirongwa mukana wakakwana kwete wekuchengetedza hupenyu hwako chete, asiwo kuisa mari nehungwaru uye kuwedzera mari yako, uchigadzira mhando ye "cushion yekuchengetedza" iwe pachako nevadiwa vako. Mune mamwe mazwi, inishuwarenzi yekudyara ndechimwe chezvishandiso zvemari zvinobudirira zvinoshandiswa kuronga zvese zvemhuri uye bhajeti remunhu. Uye manejimendi akakodzera emari, munoona, imwe yemakiyi makuru kune ese ari maviri hunyanzvi uye budiriro yemunhu!
Izvo zvakakosha zvekuisa zvirongwa zveinishuwarenzi zvehupenyu zviri nyore: mari yeinishuwarenzi haingovhari njodzi dzakajairika dzechirongwa cheinishuwarenzi, asi zvakare inobvumidza iwe kuti ugamuchire ingangoita yakakwira mari yekuwedzera, pamwe nekudzoka kwakavimbiswa pakudyara. Kune izvi, kambani yeinishuwarenzi inodyara mari yako nehunyanzvi, ichibatanidza yakakwira-goho remari zviridzwa nezviridzwa zvine kudzoka kwakavimbiswa.
Panguva imwecheteyo, mari dzose dzinodzivirirwa maererano nemutemo weRussian Federation, mari yeinishuwarenzi haibhadharwi, uye mari inogamuchirwa inotarirwa chete kana ichidarika chiyero chekudzorerazve.
Izvo zvakakosha kuti unzwisise kuti mari inoiswa pasi pechirongwa cheILI haibviswe kutorwa kana kukakavara pamusoro penhaka. Uyezve, semubatsiri (kureva, munhu achagamuchira mari yose), iwe unogona kutsanangura kwete iwe chete, asiwo hama neshamwari - somuenzaniso, vana kana vabereki vakwegura. Nenzira iyi, iwe unogona kuvapa iyo yakazvimirira yekushion yemari.
Uye zvechokwadi, pakusarudza yakakodzera inishuwarenzi yehupenyu hupenyu chirongwa, zvakakosha kwazvo kusarudza iyo chaiyo inishuwarenzi kambani inozodyara mhuri kana yako pachako capital! Mumwe wevatungamiriri mumusika weinishuwarenzi yehupenyu ikambani yeIngosstrakh-Life, iyo yakakodzera kuve nemukurumbira seimwe yemakambani akavimbika uye akagadzikana aunogona kupa mari yako.
Kana iwe uine chero mibvunzo, nyanzvi dzekambani dzinogara dzichifara kupa zano vatengi vavo uye vanotsanangura nenzira inosvikika kuti inishuwarenzi yekudyara iri nyore, inonzwisisika uye yakavimbika.