ndondomeko ya inshuwaransi yanyumba
Chonde dziwani kuti zambiri zomwe zaikidwa patsamba lathu siziyenera kuonedwa ngati upangiri waumwini ndipo sizitengera zosowa zanu ndi mikhalidwe yanu. Ngakhale tsamba lathu likupatsirani zidziwitso zenizeni komanso upangiri wokuthandizani kupanga zisankho zabwino, sikulowa m'malo mwa upangiri wa akatswiri. Muyenera kuganizira ngati zinthu kapena ntchito zomwe zikuwonekera patsamba lathu zili zoyenera pazosowa zanu. Ngati simukudziwa chilichonse, funsani upangiri wa akatswiri musanayitanitse chilichonse kapena kupanga dongosolo lililonse.
Kumene tsamba lathu limalumikizana ndi zinthu zina kapena kuwonetsa mabatani a "Pitani Patsamba", titha kulandira ntchito, chindapusa kapena malipiro mukadina mabataniwo kapena kuyitanitsa malonda. Mutha kudziwa zambiri za momwe timapangira ndalama pano.
Zogulitsa zikasanjidwa m'magulu atebulo kapena mndandanda, dongosolo lomwe amasanjidwa poyambilira lingakhudzidwe ndi zinthu zingapo, kuphatikiza mtengo, zolipiritsa, ndi kuchotsera; mabungwe amalonda; mawonekedwe azinthu komanso kutchuka kwamtundu. Timapereka zida kuti mutha kusanja ndikusefa mindandanda iyi kuti muwonetse zomwe zimakusangalatsani.
Kodi inshuwaransi yoteteza ngongole ndiyofunikira?
Onani General Circular UBD.BPD (PCB) MC. No.5 / 13.05.000 / 2008-09 ya Julayi 1, 2008 pamutu womwe watchulidwa pamwambapa. General Circular yophatikizidwa imaphatikiza ndikusintha malangizo / malangizo onse pamutu womwe waperekedwa mpaka Juni 30, 2009.
1.3 Mabanki akuyembekezeka kukhazikitsa, kudzera m'mabungwe awo a oyang'anira, ndondomeko zowonetsera ngongole ndi malangizo, ponena za gulu lililonse lazachuma, poganizira mfundo zowonetsera ngongole ndi malangizo ena osiyanasiyana operekedwa ndi Reserve Bank of India kuyambira nthawi mpaka. nthawi. Zina mwa malangizo omwe akugwiritsidwa ntchito pano akufotokozedwa mwatsatanetsatane m'magawo otsatirawa.
1.4 Pakali pano, mabanki amagwira ntchito m'malo osayendetsedwa bwino ndipo akuyenera kudzipangira okha chiwongola dzanja cha ma depositi (kupatula ma savings account) ndi chiwongola dzanja cha zomwe apeza. Chiwongola dzanja pamabizinesi aku banki m'mabizinesi aboma ndi zina zololedwa zimakhudzananso ndi msika. Mpikisano waukulu wabizinesi, womwe umakhudza zonse zomwe zili ndi ndalama ndi ngongole, kuphatikiza kusinthasintha kwa chiwongola dzanja chapanyumba komanso kusinthana kwamitengo, kwakakamiza oyang'anira mabanki kuti azikhala ndi malire oyenera pakati pa mabizinesi, phindu ndi kuthekera kwanthawi yayitali. Mitengo yosagwirizana ndi sayansi komanso yodziwikiratu ya ma depositi panthawi ya mpikisano, ndi njira zina za obwereka, zimapangitsa kuti chuma chisagwiritsidwe bwino. Pa nthawi yomweyo, kasamalidwe ka ndalama mosasamala kungaike phindu ndi mbiri yamabanki pachiwopsezo chachikulu. Zokakamizikazi zimafuna kuti pakhale njira yokwanira yoyendetsera ndalama zamabanki osati kungochita mwadzidzidzi. Oyang'anira UCB ayenera kukhazikitsira zisankho zawo zamabizinesi pamakina owongolera zoopsa ndi cholinga chachikulu choteteza zokonda za omwe amasunga ndalama ndi omwe akuchita nawo gawo. Chifukwa chake, ndikofunikira kuti ma UCB atsatire mosamalitsa malangizo a Asset Liability Management (ALM) operekedwa ndi Reserve Bank of India.
Ngongole ya inshuwaransi yoyamba
Ndiye ndinu odzilemba ntchito kapena muli ndi bizinesi yapambali. Muli ndi ngongole yabwino komanso mbiri yolimba yazachuma. Koma mukuvutika kupeza ngongole chifukwa mulibe ma W2 achikhalidwe kuti mulembe ndalama zanu.
M'mbuyomu, ngongole zomwe zalengezedwa zinali njira yamba yobwereketsa kwa obwereka omwe sadatha kulemba zonse zomwe amapeza. Koma malamulo okhwima poyankha vuto la kubwereketsa nyumba chakumapeto kwa zaka za m'ma 2000 apangitsa kuti ngongole zodzinenera kukhala mbiri yakale.
Masiku ano, ngongole za kubanki zakhala zikudziwika kwambiri chifukwa zimakhala ndi chiopsezo chochepa kwa obwereketsa. Obwereka sakhalanso ndi "kulengeza" ndalama zawo. Ndi ngongole za bank statement, olembetsa ayenera kulemba ma depositi pafupipafupi pamwezi kuti athe kubweza ngongole yanyumba.
Ngakhale obwereketsa ambiri amafunikira miyezi 12 ya mawu aku banki, ena angafunike zochepa. Chonde dziwani kuti olembetsa omwe angapereke ziganizo za miyezi 24 atha kukhala oyenera kulandira mitengo ndi mawu abwinoko.
Ngati mulibe zikalata zaku banki kubizinesi yanu, mutha kugwiritsa ntchito zikalata zanu ndi omwe akubwereketsa. Komabe, angagwiritse ntchito kagawo kakang'ono ka ndalama zanu kuti ayenerere.
Inshuwaransi ya ngongole yakunyumba ngati wamwalira
Baroda Bank imakupatsirani Ngongole ya Mortgage, kuphatikiza kwatsopano kwangongole ndi overdraft yokhala ndi njira zosinthira zobweza motsutsana ndi chikole cha malo anu. Yang'anani kuyenerera kwa ngongole yanu motsutsana ndi malowo ndikupeza mapindu owonjezera ndi maubwino amisonkho.
Ngati wofunsira/ofunsira/ofunsira, omwe ndalama zake zimawerengedwa kuti ndi zoyenerera zikuphatikizapo onse okhalamo ndi ma NRIs, ndalama zochepera pachaka zonse ziyenera kukhala ma Rs.5 Lacs (kuphatikiza omwe amafunsira/anthu, omwe ndalama zawo zimaganiziridwa kuti zikuyenera)
Ngati wopemphayo akufuna kuwonjezera munthu wina aliyense osati wachibale wake wapamtima ngati wothandizira nawo, zomwezo zikhoza kuganiziridwa kuti ayenera kukhala mwiniwake / mwiniwake wa katunduyo, woperekedwa ngati chikole.
Ngati ndalama za eni / eni ake za malowo sizikuganiziridwa kuti ndi zoyenerera, ayenera kupangidwa ngati wofunsira / wofunsira nawo. Zikatero, ziyeneretso zazaka zapamwamba/zolemba ntchito sizigwira ntchito kwa ofunsirawa/ofunsira nawo.
