Indlela yokubuyisela amadokhumenti emoto namalungelo uma kwenzeka ukulahlekelwa, ukweba?
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Indlela yokubuyisela amadokhumenti emoto namalungelo uma kwenzeka ukulahlekelwa, ukweba?

27.06.2022 /

Abashayeli bavame ukuphatha yonke imibhalo yemoto kanye neyabo esikhwameni esisodwa, lokhu kulula kakhulu - yonke imibhalo iseduze. Kodwa ngesikhathi esifanayo, ukulahlekelwa noma ukwebiwa kwale borset kuhilela izinkinga ezinkulu kakhulu - umuntu ushiywe ngaphandle kwemibhalo. Ngokuvamile ungabona izikhangiso emaphephandabeni noma khona kanye eminyango yokungena ukuthi, bathi, i-borset enamadokhumenti ilahlekile, sicela ubuyisele imali.

Mhlawumbe kukhona abantu abalungile abazobabuyisela kuwe, kodwa udinga ukuthatha isinyathelo ngokushesha. Sinikeza imiyalelo yesinyathelo ngesinyathelo sokubuyisela amadokhumenti alahlekile.

Indlela yokubuyisela amadokhumenti emoto namalungelo uma kwenzeka ukulahlekelwa, ukweba?

Okokuqala, udinga ukufaka isikhalazo emaphoyiseni mayelana nokulahlekelwa kwemibhalo, bazokunikeza isitifiketi ongaya ngaso ehhovisi lepasipoti ukuze uthole umazisi wesikhashana. Abanye "ochwepheshe" basikisela ukuthi bangaxhumani namaphoyisa, ngoba namanje ngeke bawathole amaphepha, futhi isikhathi sizomoshwa. Mhlawumbe lokhu kunjalo, kodwa-ke ipasipoti yakho, i-VU, i-STS kanye ne-PTS izoba engavumelekile futhi abangenele ngeke bakwazi ukuyisebenzisa.

Isitifiketi sesikhashana sikhishwa ngokushesha ngemva kokufaka isicelo. Udinga nje ukukhumbula ukwethula:

  • isitifiketi esivela ehhovisi lezezindlu sokuthi uhlala ekhelini elishiwo;
  • isitifiketi esivela emnyangweni wamaphoyisa;
  • izithombe zepasipoti.

Kuzodingeka ukhokhe imali yombuso ngokwenza impinda yepasipoti yakho - ama-ruble angu-500. Uma ungaxhumani nehhovisi lepasipoti ezinsukwini ezingu-30, khona-ke inhlawulo yama-ruble angu-1500-2500 ingase ibekwe.

Khona-ke, ngalesi sitifiketi, sidinga ukuya emaphoyiseni omgwaqo, lapho sichaza khona isimo futhi sithunyelwa ukuhlolwa kodokotela ukuze sithole isitifiketi sikadokotela. Uphethe isitifiketi sezokwelapha esandleni, ungaya ku-MREO ngenhliziyo ezolile, lapho uzonikezwa khona ilayisense yokushayela yesikhashana futhi isicelo sokwenza impinda sizokwamukelwa. Ukuze uthole isitifiketi sesikhashana, imali izoba ama-ruble angu-500, i-VU entsha - ama-ruble angu-800.

Uma usuvele unekhadi kamazisi yesikhashana, i-VU yesikhashana kanye nesitifiketi sezokwelapha, ngakho konke lokhu ungaya enkampanini yomshuwalense ukuze uthole impinda yenqubomgomo ye-OSAGO, udinga futhi ufunde inqubomgomo ye-CASCO uma imoto yayinomshwalense futhi ngaphansi kwalo.

Okulandelayo, udinga ukubuyisela i-TCP ne-STS. Uma, isibonelo, imoto iyikhadi lesikweletu, khona-ke i-PTS yasekuqaleni isebhange, lapho unganikezwa khona i-PTS okwesikhashana noma wenze ikhophi eqinisekisiwe. Uma kukhona i-PTS - enhle, uma kungenjalo - akunandaba. Siya emnyangweni wamaphoyisa omgwaqo nawo wonke amaphepha, kuhlanganisa nesitifiketi samaphoyisa. Ukuze ushintshe i-TCP, kuzodingeka ukhokhe ama-ruble angu-500, i-STS - ama-ruble angu-300. Uma imoto indala noma umhloli enokungabaza, uzodinga ukuletha imoto ukuze uhlole izinombolo.

Indlela yokubuyisela amadokhumenti emoto namalungelo uma kwenzeka ukulahlekelwa, ukweba?

Iphuzu elilodwa elibalulekile ukuthi amaphoyisa avula icala ngokulahleka kwamadokhumenti, futhi imibhalo emisha yemoto izokhishwa kuphela ngemva kokuba amaphoyisa ekunike isitifiketi sokuvala icala lobugebengu, futhi lokhu kungase kuthathe amasonto ambalwa. Uma ungafuni ukulinda isikhathi eside, vele ubhale esicelweni ukuthi imibhalo yanyamalala ngaphansi kwezimo ezingacacile, futhi iqiniso lokweba alifakwa ngokuphelele.

Kuthatha kufika emavikini amabili ukubuyisela i-TCP ne-STS, kodwa le nkinga ingaxazululwa ngokushesha uma wazi ukuthi ubani okufanele uxoxisane naye. Uma une-TCP ne-STS esandleni, udinga ukuya ukuyokwenza i-MOT. Kunama-nuances amaningi ahlukene ngesikhathi esisodwa, isibonelo, uma izinombolo ze-PTS noma ze-STS zishintshile, udinga ukubuyela emuva futhi wenze izinguquko kuzinqubomgomo ze-OSAGO ne-CASCO. Uma unikezwe okuphindwe kabili, khona-ke esiteshini sokuhlola ungathola impinda yethikithi le-MOT, izobiza ama-ruble angu-300. Uma kufanele udlule ku-MOT futhi, uzodinga ukukhokha ama-ruble angama-690 wokuhlola kanye nama-300 efomu.

Ngemuva kokuthola ilayisense entsha yokushayela, futhi, udinga ukwenza izinguquko kuzinqubomgomo zomshuwalense.

Yiqiniso, isimo esinjalo, lapho yonke imibhalo ilahlekile, iyinkimbinkimbi kakhulu, kuzodingeka ugijime kakhulu kuzo zonke izimo futhi ukhokhe zonke izimali.

Awukwazi ukusebenzisa imoto kuze kube yilapho une-STS ne-PTS ezandleni zakho, izitifiketi ezivela emaphoyiseni zenza kube nokwenzeka kuphela ukufika endaweni yokupaka futhi zisebenza isikhathi esilinganiselwe kuphela, ngakho-ke udinga ukuthatha isinyathelo ngokushesha.

Kulula kakhulu ukuxazulula zonke lezi zinkinga uma kuphela ingxenye yemibhalo, noma eyodwa yazo, ilahlekile. Futhi ukuze lokhu kungenzeki kuwe, singakucebisa kuphela ukuthi ulandele amadokhumenti, ungawashiyi emotweni. Hamba nalezo ozidinga ngempela:

  • ilayisense yomshayeli;
  • Inqubomgomo ye-OSAGO;
  • isitifiketi sokubhalisa.




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