Kana uri kuenda kune dzimwe nyika kwekutanga, iwe zvechokwadi une mibvunzo yakawanda pamusoro pekufamba inshuwarisi. Ngatiedze kupindura zvimwe zvadzo.
Ndeapi marudzi ekufambiswa kweinishuwarenzi?
Pane chinhu chakadai sechiitiko cheinishuwarenzi. Icho chinoreva chiitiko ichocho, nekutangira kwacho kunouya basa rekuchengetedza kune inshuwarisi. Izvozvo, marudzi akasiyana-siyana einishuwarenzi anogona kubudiswa kune imwe yeruzhinji yenyaya ye inshuwarisi. Akagovera marudzi akadaro einishuwarenzi yechiitiko chekuchengetedzwa kwepaiti:
- Travel inshuwarisi. Kana rwendo rwacho rwakabviswa, iyo inshuwarisi ichakubvumira kuti udzorere mari inoshandiswa pane sangano rwendo.
- Inishuwarenzi pangozi yakaitika panguva yekufamba kune dzimwe nyika.
- Mitoro yveshuwarisi inoisa mari yekurasikirwa kana kukanganisa mutoro panguva yekushanyirwa kune dzimwe nyika.
- Inishuwarenzi yemhosva yechitatu. Iri rudzi rwe inshuwarisi rinopa reimbursement nemubhizimisi wekuvhiringidzwa kunokonzerwa nekambani yechitatu nemunhu akachengetedzwa.
- Green card - motokari yeruzhinji.
- Inishuwarenzi yemitambo yevatyairi, motokisi, mamiko, makwikwidzi, vanofamba.
- Inishuwarenzi yekurapa yechipatara ikonesheni pakati pekambani ye inshuwarisi uye mutashanisi ane chinangwa chaiye munhu akachengetwa, ane chokuita nehutano hwemari hwakamuka panguva yekushanda kwebvumirano. Mune mamwe mazwi, kurapa kwehutano yechipatara ibhuku rinobatsira kuwana rusununguko rwehutano kana kune dambudziko kuhupenyu uye hutano hwevatariri munguva yezororo.
Ndezvipi zvinotengeswa nehutano inshuwarisi?
Kazhinji izvi zvinoshandiswa zvinoratidzwa muchibvumirano neye inshurensi zvakanyatsorondedzerwa, sezvo kugoverwa kweinishuwarenzi kunobva kune inishuwarenzi iyo inosarudzwa nevashanyi.
Inishuwarenzi inofukidza mari yekurapa uye kunze kwekurapa, zvidzidzo zvekuongororwa, maitiro, zvipatara zvinotarisirwa mari. Kana paine chido chekuenda kune imwe nyika uye hutano hwevatariri huchabvumira kusunungurwa, inishuwarenzi inobhadhara mari yekutengeswa kubva kune imwe nyika kune imwe nzvimbo yekugara nekugara kana chipatara munyika yeko. Zvinofanira kuonekwa kuti inishuwarenzi haisi kugoverwa kana kutyisidzira kuhupenyu hweaishuwasi kwakakonzerwa nekudhakwa kana kudhakwa kwezvinodhaka, kuedza kuzviuraya, kupindira mune zvechiuto nekurova, komisheni yezvakaipa zvekuzvipira zvakaitwa kune inshuwarisi.
Iko inshuwarisi yekufamba yakabudiswa sei?
Chimwe chezvinhu zvakanakisisa zvinoshandiswa kune inshuwarisi yevashanyi ndeyekushanda kwekutsvaga. Nguva shoma inodiwa. Iwe unogonawo kubhadhara inshuwarisi kuburikidza nebasa rekuInternet. Iyi sarudzo yakakosha kune avo vasiri ivo kokutanga vanobhururuka kune dzimwe nyika uye vanoziva zvakakwana rudzi rwehushuwarenzi uye nehupi iyo inoda. Iwe unogona kuwana inshuwarisi nekuraira kutumira.
Chechipiri sarudzo ye inshuwarisi ndeyokutaura nekambani ye inshuwarisi. Nyanzvi dzichakubatsira iwe kusarudza purogiramu yakakodzera yebasa uye kuronga inshuwarisi, iyo ichapiwa pakarepo. Iko kunyoresa nzira inotora maminitsi gumi.
Iko inshuwarisi yefambi inodhura zvakadini?
Dzimwe nyika dzinoda mushonga wehutano hwehutano huripo. Nenzira yakawanda, mari yeinishuwarenzi inoenderana nezvimwe zvinhu:
- nyika. Somuenzaniso, kupinda muUnited States zvakakosha kuva ne inshuwarisi ye $ 60,000, kune dzimwe nyika dzeEurope kune inshuwarisi yakakwana, inosvika $ 15,000 ($ 1 pazuva);
- age insured. Inishuwarenzi yemucheche inowanikwa pamutengo wekutengesa, sezvinoita inshuwarheni yevanhu vanopfuura makore makumi matanhatu;
- pamuviri. Kuenda inshuwarisi kuvakadzi vane pamuviri kunodhura kazhinji pane yakakwirira kupfuura nguva dzose inhamba inshuwarisi.