Pehea e loaʻa ai kahi hōʻaiʻē kaʻa mai kahi panakō - hoʻohana a hou
ʻO ka loaʻa ʻana o kahi kaʻa ka moemoeā o nā poʻe Lūkini he nui, a hiki ke hoʻokō ʻia me ke kōkua o kahi hōʻaiʻē panakō. ʻOiaʻiʻo, pono ʻoe e uku nui i ka nui, akā ʻaʻole pono ʻoe e hōʻiliʻili i ke kālā no ke kaʻa no ka manawa lōʻihi, e hōʻole ana iā ʻoe iho i nā hauʻoli o ke ola.
ʻOiai ʻo ka nui o nā papahana hōʻaiʻē i kēia manawa a hāʻawi kēlā me kēia panakō i kāna mau lawelawe i ka loaʻa ʻana o kahi hōʻaiʻē, ua like nā kūlana maʻamau a ʻokoʻa i nā kikoʻī liʻiliʻi, e like me ka nui o ka uku i lalo a i ʻole ka manawa hōʻaiʻē.
Nā kūlana hōʻaiʻē ma ka hapa nui o nā panakō:
- makahiki o ka mea aie - mai 21 a 75 makahiki;
- hāʻawi i ka hōʻike kālā no nā mahina 6 i hala;
- ka loaʻa ʻana o kahi palapala noho a i ʻole ke kākau inoa manawa;
- ʻO ka ʻike hana no nā makahiki 5 i hala iho nei he 1 mau makahiki (ʻaʻole pili kēia ʻano i nā poʻe e hoʻolilo i ka uku i ka nui o 30% o ke kumukūʻai o ke kaʻa;
- I ka pau ʻana o ka ʻaelike hōʻaiʻē, ʻaʻole pono kou mau makahiki ma mua o 75 mau makahiki.
Inā hiki iā ʻoe ke hōʻoia i kāu ʻike hana a hōʻike i kahi palapala hōʻoia o ka loaʻa kālā no nā mahina 6 i hala, inā ʻoe i ka makahiki kūpono, loaʻa iā ʻoe kahi hoʻopaʻa inoa paʻa a manawa pōkole paha, a laila pono ʻoe e hoʻopili i ka lālā panakō me kahi pūʻulu o nā palapala:
- ka passport;
- helu ʻauhau pākahi;
- palapala hōʻoia o ka loaʻa ʻana o ka penihana.
Pono paha kekahi mau panakō i kope o nā palapala passport o nā lālā o ka ʻohana a me nā palapala hānau o nā keiki, nā hōʻike kālā o ka wahine, nā mākua a me nā ʻohana ʻē aʻe.
Ma ka panakō, kākau ʻoe i kahi noi e pili ana i ka makemake e loaʻa i kahi hōʻaiʻē, maʻamau kēia kaʻina hana i lalo i ke kau inoa ʻana i kahi palapala maʻamau. Hāʻawi ʻia ka lōʻihi o 5 mau lā no ka noʻonoʻo ʻana i ka noi. Inā'āponoʻia, a laila hiki ke hōʻai'ēʻia ke kālā i kahi kāleka'ilika a iʻole e hoʻoili pololeiʻia i ka moʻokāki o ka mea kūʻai kaʻa. ʻO Sberbank, no ka laʻana, hāʻawi i 180 mau lā e koho i kahi kaʻa kūpono.
Inā makemake ʻoe e kūʻai i kaʻa i hoʻohana ʻia, hiki iā ʻoe ke koho i nā kaʻa haole ʻaʻole i ʻoi aku ma mua o 10 mau makahiki, ʻaʻole pono nā kaʻa Kina a me Lūkini ma mua o 5 mau makahiki. ʻO kahi mea e pono ai ka hoʻopaʻa inoa ʻana ʻaʻole wale ʻo OSAGO, akā ʻo CASCO nō hoʻi, koi nui nā panakō i ka ʻinikua ola o ka mea hōʻaiʻē.
Inā makemake ʻoe e noi pololei i kahi hōʻaiʻē ma kahi kūʻai kaʻa, a laila e maʻalahi nā kūlana, ʻoi aku ka nui o ka nui mua āu e uku ai. ʻO ka awelika o ka uku paneʻe ma waena o 14 a me 17 pakeneka o ka makahiki. Aia kekahi helu nui o nā hui hōʻaiʻē e hāʻawi i nā hōʻaiʻē kaʻa me ka uku o 2,5 pakeneka o ka mahina.
Ke hoʻouka nei…
