damnum

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Chii chinonzi dammum?

munhu damnum ndiko musiyano pakati pemari iyo yakakweretwa nemunhu akakwereta uye mari yakabhadharwa kwaari. Damnum chikamu chechibvumirano chakajeka pakati pevakwereta nevanopa. Icho, somuenzaniso, mari yekugadzirisa. Zvikamu zvinogonawo kuvharwa ne damnum. Kune marudzi maviri eDhamnum, Agio uye Disagio.

Damnum inoratidzei?

Damnum chikamu chebvumirano pakati pemunhu akwereta uye anopa chikwereti uye anorondedzerwa mukunyora. Pasi pechibvumirano, zvakare zvakakosha kusarudza kana agio kana kutengesa kuri kuverengwa. Zvikwereti zvinowanzova nekutaura kwavanosarudza uye kupa kune kune chikwereti.

Iyo damnum inowanzoratidzwa se peresenti. Icho chinoreva zita rekukosha.

Muenzaniso: Kuenzanisa Damnum

Kana ukwereta kubva kuchikwereti chekwereti 10.000 Euro, bhangi ringaronga damnum newe kuti uvhare mari yekugadzirisa. Mumuenzaniso uyu fungidzira kuti Damnum i8%.

Saizvozvo, damnum ye800 yaizobatwa. Kana ichi chikwereti chikwaniswa, zvinowanikwa kana iri agio kana kuparadzirwa.

Agio uye Disagio

Agio neDisagio ndiyo miviri miviri ye Damnum. Kana iwe uchibvumirana neAgio semunhu akakwereta, iwe unotanga kugamuchira kubvumirana kwakakwana kubvumirana kubva kune wako chikwereti. Paunodzorera chikwereti chako, zvakadaro, iwe unobhadhara zvimwe zvishoma kusvikira iwe usina kubhadhara kwete chete mazita ekukosha, asiwo damnum. Iko kutanga kwacho kunonziwo premium.

Sezvo mutemo, munhu akwereta haabhadhara chikwereti chakabhadhara zvakare muchikamu chimwe, asi zvishoma nezvishoma, kureva muzvikamu. Mune imwe nzvimbo, kazhinji, chiyero chimwe nechimwe chinoumbwa nechikamu chemukati wezita uye chikamu che damnum.

Kana iwe uchibvumirana nekudzivirira chirwere semunhu akakwereta, haugoni kuwana mari yose apo iwe uchibhadhara chikwereti. Pane kudaro, mari chaiyo inobhadharwa inoderedzwa neDamnum. Nokuda kwechikonzero ichi kubviswa kwave kunziwo sekuderedza.

Muenzaniso: Agio uye Disagio mukuita

Fungidzira iwe uchikwereta 10.000 Euro kubva kune chikwereti chekwereti uye premium iri zvakare 8%. Unobvumirana kuti uchadzorera chikwereti muzvikamu zve 10 zve1.000 Euro.

Pamutengo mumwe nomumwe, chegumi cheAgios chinowedzerwa: munyaya iyi haubhadhari 1.000 Euro, asi 1.080 Euro pamutengo, kana Agio inotorwa.

Kana muchiitiko chekudzivirira chirwere, unobvumirana nomutengo wezita re 10.000 Euro nemutengi wako, asi iwe unongogamuchira 9.200 Euro. Misiyano inoenderana nekuderedza. Mumuenzaniso uyu, iwe uchiripo chikwereti chakakwana 10.000 Euro kune chikwereti chako. Kana iwe wakabvumirana mutero iwoyo wekubhadhara sezvakaitwa muenzaniso wekare, iwe uchabhadhara 1.000 Euro nechimwe chikamu.

Migumisiro kune wakwereta

Nemhaka yedhamnum, akakwereta kazhinji anokwereta chikwereti chakakwirira. Kana uchida kutora kubva chikwereti EUR 10.000 Somuenzaniso, kupedza chaizvo 10.000 euros ari rekuvaka, ipapo iwe urege kuva mari yakakwana pashure deducting ari discounts iripo. Saka, iwe unofanira kunyora chikwereti chakakosha chepamusoro chakatotora mutsauko uyu mukufunga.

Zvisinei, nekuda kwekuderedza, mazita ekuderera mashoma anowanzobvumiranwa. Iko inoshandiswa nhamba yemari inoratidzira inoratidza kuti vangani vanofarira chikwata vanowanikwa, vachifungisisa chezita chimbadzo uye Disagio.

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