Insurance agent: Duties

It analyzes the structure of the regional contingent of potential customers, serving individuals and entities representing the institutions, organizations and enterprises of different ownership forms. Conducts reasoned conversation with potential and regular customers to get them interested in the conclusion or renewal of contracts of insurance (life and health, movable and immovable property, business and commercial activities, and others.).

In the process of working with clients monitors, evaluates the characteristics of perception, memory, attention, motivation, behavior, and provides understanding when contracting for insurance services. Establishes criteria and risk when contracting for insurance services, taking into account the state of health, age, sex, education, work experience, level of material security and other subjective qualities that characterize the customer.



Concludes and draws up insurance contracts, regulates the relations between the insured and the insurer, provide for their implementation, carries out the acceptance of insurance premiums. Provides correct calculation of premiums, processing of insurance documents and their preservation. Promotes interest and demand for the services rendered by insurance, taking into account the need to strengthen the material and moral support of various sectors of the population, as well as the growth of the risks associated with competition, bankruptcy, unemployment and other socio-economic processes taking place in the modern world. It assists clients in obtaining comprehensive information on security conditions.

Conducts work on the identification and registration of potential policyholders and insurance facilities, gives an estimate of the cost of insurance facilities. During the term of the contracts concluded in communication with individuals and legal entities, entered into a contractual relationship for insurance services. In the event of damage to the insured evaluates and determines its size taking into account the criteria and risk. Examines coming from customer complaints and claims on the disputed issues of calculation and payment of insurance premiums, payment of insurance compensation when the insured event in accordance with the terms of the contract. Sets the causes of violations of insurance contracts and take measures for their prevention and elimination. Explore undeveloped types of insurance services and their development prospects with a view to use in their practice and to create insurance agencies and services. Timely and in accordance with the requirements prepares the necessary documentation, maintains records and provides storage of documents relating to the conclusion of insurance contracts. Interacts with other insurance agents.

Must know
Normative legal acts, regulations, instructions, and other guidance documents regulating the activities of insurance agencies; kinds of insurance services, and the conditions of the various types of insurance; the legal basis for the development of insurance activities with regard to regional specific conditions; the current system of social guarantees; methods for determining the degree of risk when contracting for insurance services and damage assessment; the foundations of a market economy; basics of psychology and organization of work; order of the conclusion and execution of contracts for insurance services; domestic and foreign experience of organizing security of the population and economic entities; basics of labor law; Rules and regulations of labor protection.

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Accident insurance - what it is worth considering

It's no secret that every day we have to be provided in a variety of situations of risk to health

Should we think about insurance accident

And though it may all seem a part of the everyday, mundane things, but the result can be a trauma that will lead to significant material spending. An example may serve a variety of household chores - washing windows, chandeliers, hanging curtains and so on. Risk are as current valves, faulty electrical outlets which are coming loose and hanging high things, and the like.


In winter, the increased risk of falling, which can result, for example, a fracture of the hand, that for people of almost all professions will mean the loss of working capacity and thus man will be beaten out of the normal rhythm of the long term. Naturally, and in the warmer months, we sometimes face is not less than the dangers. In summer, many people are engaged in the country, which requires the use of physical force and working with garden tools. It is also a time to active sports and outdoor games. All of the above applies to travmoopastnym situations, but also in the summer increases the risk of insect bites that can have many unpleasant consequences.



crash - Accident insurance
And while no one can predict what will happen to any of us at any given time, but the possibility of "podstelit straw" is still there. Chance to mitigate the negative consequences of different accidents, lying in wait for us, it seems to us, by the use of such services as insurance against accidents (NA).


In the general case of NA insurance it provides three insurance cases: death, disability, injury or disability. It should be borne in mind here that by accident, understood unforeseen event that has occurred without interference and regardless of the actions of the insured person.

insurance policy against accidents
Insurance companies offer quite a wide range of policies for this service, which has reasonable prices. Thus, each person can choose the product according to your desires and budget. The amount of payment determined by the insurer, depending on the severity of damage to health. Ultimately, this will help alleviate the financial consequences of an accident.


Based on the fact it is clear that buying an insurance policy from an accident, we care not only about their health and well-being, but also their loved ones.

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Choice of commercial liability insurance more restricted types

The difference between regular Caf� Hotel and an unforgettable caf� or hotel is located on a number of factors. Most of these factors have a lot to do with customer service and complete comfort. expected in respect of a caf� that people are attacked her senses to a few things. The smell of coffee beans, heat, an open atmosphere and a color scheme that is not garish or conflicting.

People look for similar things in hotels, but the smell of coffee with very specific lighting scenes and an overall sense of cleanliness and relaxation can be replaced.

The thing about commercial real estate such as a caf�, hotel, or even Restaurants, is that while consumers can expect some sights, smells and even behavior from the establishments they visit, the same goes for the owners and employees of these places. Only its concentration is not on how bad the coffee tastes or how clean the room is. Instead, it is on how well their professional liability insurance works.



Commercial liability insurance is a more general type of insurance than say Caf� insurance or hotel insurance. Commercial liability insurance is broad enough that it can be applied to any type of commercial real estate.

The sense of having liability insurance for any millstone that can be covered from a legal perspective.
Caf� insurance helps, for example, a cafe or restaurant to stay in business, even after a lawsuit is filed. The caf� or restaurant may be one or more of the following actions to interrupt operation of their company available for an automatic extension of their insurance:

-Mangelhafte Hygiene, vermin, pests or etc. leads.
-Anzeigepflichtig
-Professional Fees to the account
Or-Murder Suicide
-Delivery Damage amounts to no less than 25,000 l
-The Failure of public utilities
Refusal by access

Caf� insurance covers against injuries and damage that could occur to the public. It protects also responsible before the supply or sale of certain were a liability. Most shop owners may please to find out that caf� and restaurant insurance also has a section on buildings cover, stating that damage is done to cables or pipes that are covered underground. A great help when you estimate how expensive it would be, but to fix this kind of damage with no money in their own pockets.

How Caf� insurance good for those who are running a cafe or restaurant, is Hotel insurance for anyone who owns a hotel, boarding house or guest house. Hotel insurance does the same thing, doing another insurance company. It protects owners against loss, damage or claims against them by a third (a k a guest).

At the end comes down to what level of coverage you fit. You have to consider whether your business falls into a hotel, guest house, inn or bed and breakfast. Alternatively, if you run a caf�, the same rules apply. There are various features that may change at any time, which would change to another at the end of the description of your company from one. If you want a bed and breakfast but had then decided to stop eating, you could end up as a guest house or hotel, depending apply, what other factors for your business.

This is just one of the reasons why many people choose to use commercial liability insurance. Under a broader range of coverage allows them to branch off and to reduce or change according to circumstances and their own preferences. It is also cheaper to obtain and to keep commercial liability insurance.

Is this the way that you think would be best for your business, it is time that you do some research. Consider your options and really think about it, you think about whether commercial insurance or insurance would be best with a narrower niche. A caf� has always been a caf� and will always enjoy the benefits, Caf� insurance that was designed specifically for them. It's the same way with hotels and hotel insurance. Specially focused insurance are not for everyone. So if you have a hard time figuring out your future plans have (or if you just need to save the money), commercial liability insurance is probably the best choice you can make.

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As the introduction of electronic MTPL policies affect the availability of auto insurance?

The opportunity to conclude MTPL contracts in electronic form (hereinafter - e-CTP) came from citizens on July 1 last year, and legal entities - from July 1 this year. According to RSA, today concluded about 300 thousand. Electronic contracts, representing approximately 0.5% of all contracts of CTP. The most popular they are in those problem areas where insurers withdraw from the market due to the high loss ratio of this type of insurance, leaving acquire paper policies virtually impossible (Krasnodar, Volgograd, Rostov, Ivanovo Region, Republic of Bashkortostan).

While the design of electronic policies on a voluntary basis, and currently only 17 of the 70 insurance companies licensed to carry out civil liability insurance of vehicle owners, provided for customers such an option (see the list of the insurance companies can be on the official website of the PCA). However, since January 1, 2017 the conclusion of electronic contracts will be the responsibility of the MTPL insurance - any person can file a complaint with any insurance company which is engaged in CTP .




Theoretically, after the introduction of such a duty for all insurance companies the number of e-policies should be increased. However, insurers are not only not predict significant growth in the share of e-CTP, but, on the contrary, suggest that some market participants refuse this type of insurance at all. Problems that occur after the introduction of obligations to conclude MTPL contracts in electronic form have been discussed, including in the framework of an organized forum of the Institute of the Internet "Internet + Finance", held on 21 of September. Let's see how this innovation is useful for drivers and how it will affect the activities of insurers.


Expected problems

Under the new rules, insurers will be required to enter into electronic MTPL contracts throughout the country, regardless of the fact whether they have branches in the region of policyholders living. In this connection, will need to think about how to properly secure the settlement of losses in the case where, for example, the insured from Vladivostok enters into a contract CTP in electronic form with the insurer from Kaliningrad, do not have a branch in Vladivostok, said Head of the RSA security methodology Mikhail Porvatov.

Current legislation requires insurers representation on the settlement of losses in each subject of the Russian Federation (p. 1, Art. 21 of the law on compulsory motor TPL). Small insurance companies meet this requirement by concluding agency agreements on representation in regions with major insurers that have branches all over the country. However, this representation of the Institute model assumes that the representative of the insurer will settle the loss only in those areas where the latter does not sell policies. In the regions, where sales are conducted, the insurer is obliged to have their offices on the settlement of losses, the expert said. Therefore, the introduction of sales policies on the entire territory of Russia (namely, it means e-CTP) will lead the reform of the institute of representation of insurance companies.

OUR REFERENCE

Settlement loss - a set of the insurer's actions to address victims' claims for payment of insurance compensation, carried out in order to determine the legality of the claimant, the amount of insurance compensation and the fulfillment of obligations on payment of insurance compensation or the direction of a reasoned refusal in accordance with the requirements of the law (Article 1.1 of the Rules of settlement of losses by insurance. organizations - members of the PCA on MTPL contracts, approved by the decree of the Presidium of the SAR on October 8, 2009 ? 4)..

Still can not find the solution one of the most important problems in the field of e-CTP - the lack of information exchange between the authorities, insurers and the PCA. Introduction of electronic insurance policies was intended to simplify the procedure for their preparation, which is why insurers freed from the need to submit to the insurer a passport or a certificate of registration of the organization (if the insurer - a legal entity), the document is the vehicle registration, driver's license and diagnostic card, or a copy of these documents. It is assumed that the information contained in such documents information, insurers are prepared by exchange of information in electronic form with the relevant authorities and organizations (para. 4, Art. 15 of the law on compulsory motor TPL).

Thus, the legislation provides that the number of ministries and departments, including the Ministry of Internal Affairs and the Federal Tax Service of Russia are obliged on request SAR to submit information for inclusion in the automated information system of compulsory insurance of civil liability of owners of vehicles, known as AIS CTP or AIS SAR (n. 2 of Resolution RF Government of September 14, 2005 ? 567). The interaction between the authorities, the PCA and its members carried out using SMEV - a unified system of interagency electronic interaction (paragraph 2.2 of this decision.).

However, as reported by Michael Porvatov, in practice, such communication has not yet been organized, although the PCA repeatedly sent to the Office an application for access to their services. The lack of interaction leads to the fact that insurers can not guarantee the accuracy of these insurers in the statements on the conclusion of the contract CTP data in electronic form (no typos in the presentation of information and deliberate distortion). Accordingly, it is impossible to ensure the purity contained in the CTP AIS information, as they are making directly in the insurance companies.

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Certification of power of attorney

Certification of power of attorney


1. A power of attorney for transactions requiring notarized form for submitting an application for state registration of rights and transactions, as well as to dispose of registered in the state register of rights must be notarized, except as required by law.

2. The notarized power of attorney equated:

1) the power of attorney of servicemen and other persons who are undergoing treatment in hospitals, sanatoria and other military medical institutions, which are certified by the head of such an institution, his deputy at the medical unit, and in their absence or senior doctor on duty;


2) the power of attorney of servicemen in places of location of military units, formations, institutions and military schools, where there is no notary offices and other bodies to perform notarial acts, powers of attorney of workers, their families and the families of military personnel, which is certified by the commander (chief ) of these units, formations, institutions or establishments;

3) the power of attorney of persons in detention, which is certified by the chief of the respective places of detention;

4) powers of attorney of capable citizens in institutions of social protection of the population, which is certified by the administration of the institution or the head (his deputy) of the relevant body of social protection.

3. The power of attorney to receive wages and other payments associated with the employment relationship, on the remuneration of authors and inventors, pensions, allowances and scholarships, or for correspondence, with the exception of valuable correspondence, can be certified by the organization in which the principal works or studies, and the administration of the inpatient treatment institution in which he is being treated. Such power of attorney shall be certified for free.

4. The power of attorney on behalf of a legal entity shall be signed by its director or other person authorized to do so in accordance with the law and the constituent documents.

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Legal advice On the registration of power of attorney

Legal advice On the registration of power of attorney

Often I am leaving on a long trip. Previously, the employer gave my wife a power of attorney to receive parcels and correspondence by e-mail. Now she refuses and says that the power of attorney is not suitable. Is it legitimate?

Indeed, since September 1, 2013 in the text of the Civil Code (the Civil Code) significantly transformed the rules governing the procedure for registration of power of attorney. The text of chapter 10 "representation. The power of attorney "to add two new articles - 185.1" Certification authorization "and 188.1" Irrevocable Power of Attorney. "

In accordance with paragraph 1 of Article 185 of the Civil Code to September 1, 2013 recognized the power of attorney written authorization issued by one person to another person or other persons for representation before third parties.

It follows that any power of attorney should absolutely be made in writing. In the cases mentioned in the law, power of attorney requires notarization or certification by organizations and individuals that are directly stipulated in the Civil Code or any other law.

On the basis of the provisions of Articles 182, 185, 186 of the Civil Code, the power of attorney gives the right, indicated in her face (representative) to represent the issuer trustee (trustee) for the period specified in the authorization.

From the new wording of paragraph 1 of Article 186 of the Civil Code ruled out expires and the power of attorney three-year period. Now, the power of attorney may be issued for any period of time, including more than three years. If the proxy is not specified expiry date, it shall remain in force for one year from the date of the transaction.

Thus, in the absence of a power of attorney indicate the expiration date indicates only that the power of attorney issued for a year, and is not the basis for the recognition of such a power void.

The minimum term of the power of attorney in the Civil Code of the Russian Federation, m is not set and is determined by the principal alone. On the basis of Article 190 of the Civil Code, according to which the term is defined by the calendar date or expiration of the period of time that is calculated in years, months, weeks, days or hours, we can conclude that the power of attorney may be issued not only for one day, but also a certain number of hours.

The procedure for license authorization, previously regulated the rules of paragraphs 2-5 of Article 185 of the Civil Code is now designed as a separate article 185.1 of the Civil Code.

The need for notarization (except as provided by law) from 1 September 2013 pursuant to paragraph 1 of Article 185.1 of the Civil Code applies not only to the power of attorney for transactions requiring notarial form, but also to:

    filing an application for state registration of rights and transactions;
    order registered in the State Register of Rights.

The list of powers of attorney, equated to notarized, has not undergone significant changes. On the basis of paragraph 2 of Article 185.1 of the Civil Code are recognized as such:

    the power of attorney of servicemen and other persons treated in hospitals, sanatoria and other military medical institutions, which are certified by the head of such an institution, his deputy at the medical unit, and in their absence - or the senior doctor on duty;
    proxy troops, and in places of location of military units, formations, institutions and military schools, where there is no notary offices and other bodies to perform notarial acts, powers of attorney of workers, their families and the families of military personnel, which is certified by the commander (chief) of the The compounds, agency or institution;
    trustees who are in prison, which is certified by the chief of the respective places of detention;
    powers of attorney of capable citizens in institutions of social protection of the population, which is certified by the administration of the institution or the head (his deputy) of the relevant body of social protection.

On the basis of paragraph 3 of Article 185.1 of the Civil Code d overennost to salary and other payments associated with labor relations, to receive remuneration of authors and inventors, pensions, allowances and scholarships, or for correspondence, with the exception of valuable correspondence may be certified organization in which the principal works or studies, and the administration of the inpatient treatment institution in which he is being treated.

Compared to effect prior to 1 September 2013 from the list of standard material values, to which the power of attorney may also be certified by the rules of paragraph 3 of Article 185.1 of the Civil Code, ruled valuable correspondence.

Thus, from September 1, 2013 the principal employer is not entitled to certify the power of attorney to obtain valuable correspondence and mail organization, in turn, take a power of attorney.

Under the rules of paragraph 3 of Article 185.1 of the Civil Code is now also can not make sure the power of attorney for a citizens' deposits in banks.

In addition, compared with the effect prior to September 1, 2013 the norm among the persons entitled by way of paragraph 3 of Article 185.1 of the Civil Code to certify the power of attorney, are excluded housing maintenance organizations, banks and communication organization.

For all the power of attorney executed in accordance with paragraph 3 of Article 185.1 of the Civil Code, the legislator provides for the necessity of their license on a free basis. Earlier, the indication referred only to the power of attorney certified by a bank or telecommunications entity.

The meaning of certification of the signature of the principal according to the rules of paragraph 3 of Article 185.1 of the Civil Code is that the organization, which employs the principal certifies that the signature on a power of attorney executed just that, and not any other person. However, as explained in the decision of the Supreme Court of the Russian Federation of 05.02.2009 ? 20-V08-16, the signature of the principal license by himself (for example, if he is the head of the organization) is contrary to the meaning of this provision of the Civil Code, as such certification is not can guarantee to third parties, which subsequently presented a power of attorney, the accuracy of the signature of the principal.

The answer to the question prepared by the chief specialist of the Legal Support Department of the contract system in the procurement of the Administration of the city of Omsk EN Ashvits.

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Travel insurance - an important formality or a necessity?

Awareness of the importance of having valid travel insurance comes when suddenly while traveling, at best, it might be a nuisance in the form of minor injuries requiring medical attention.

Travel insurance - an important formality or a necessity?
Usually difficult to provide for their own negligence, but to avoid unpleasant consequences, as well as treatment in a foreign country at his own expense as possible, in advance of issuing a quality insurance from a reliable insurance company before the trip (not counting the fact that some no version of travel insurance when traveling in Europe It should be in default of the tourist).


When making a medical travel insurance before you travel, you need to take into account the territory (area), which will extend insurance coverage.

For example, for the EU countries the total amount of insurance coverage must be at least 30 million euros (or $ 50,000). When puteshetvii in countries such as Turkey, Egypt, Thailand and the United Arab Emirates turstrahovka not required, but registration of medical policy with at least the minimum insurance premium is still desirable for Vazhego own peace of mind. Just the presence of an insurance policy increases the chances of getting a tourist visa to Canada or Australia.


Buy a standard insurance policy for going abroad (TCD) can be in the offices of insurance companies or virtually any travel agency, as well as through the Internet on the websites of insurers and intermediaries in multiple-line, pay for purchases by credit card. Most card-issuing banks offer travel insurance from insurance companies-partners to holders of its cards.


It is particularly important that all the embassies of European countries - including visa offices in Switzerland, Austria, Finland and the Czech Republic - have lists of accredited insurance companies travel insurance, which are published on the websites of consulates of the countries concerned. These lists can be mainly advisory in nature, but in special cases the design of medical policy should take place only in an accredited insurance company - it is worth paying attention to it in the study of the list of documents required to obtain a visa.

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How to pay off your mortgage?

Getting a mortgage is always accompanied by a pledge of real estate, ie mortgage. In general, mortgages this is the mortgage. This property is imposed burden. What is the burden can be read here.

Encumbrance valid until the loan is fully repaid.

But the debt you have paid, and are still Rosreestra recorded that the apartment in the mortgage.


How to pay off your mortgage?

A registration of the mortgage is repaid on the basis of:

The decisions of the court;
Joint statement from you and the creditor;
lender statements;
Statements mortgagor, ie, your application.
If shaped by the mortgage, pay off the mortgage easier. You can do it yourself.

In order to pay off the mortgage, you need to contact the lender the following documents:



a certificate on the performance of your obligations under the credit agreement;
original mortgage (if any). On the mortgage lender have to be a mark that the liability is settled completely. This mark must be certified by signature of the authorized person of the creditor with an indication of its position and the seal of the creditor;
notarized copies of the constituent documents of the lending bank;
certified copies of documents certifying the authority of the person who made a mark on the repayment on the mortgage, and signed a letter of debt repayment.
If the mortgage is not made, then pay off the mortgage can only be with the lender.

In the loan agreement or the contract on the mortgage or mortgages should be given a period during which the creditor is required to give you all the necessary documents for the repayment of the mortgage. Standard time - 2 weeks.

Please note that a small bank does this automatically. Therefore, as soon as fully paid on the loan, contact the bank with an application for the issuance of the necessary documents.

How is the removal of the mortgage with the property?

To remove the encumbrance need to Rosreestra. To do this, you must have the following documents:

Statement;
The package of documents that you gave the lender (see above);
The agreement, based on which the mortgage was registered - the sales contract (if mortgage by operation of law - with a note of registration of the mortgage), proof of ownership, etc.) or mortgage agreement, and with a note of registration of the mortgage;
Legal documents in the apartment;
In any case, grab a credit agreement;
Receipt of payment of fees (only if you want to get a pure testimony, no records of the mortgage).
The whole procedure is free. Paying only need to obtain a certificate without encumbrances, if you want to get it. To do this, you need only write an application for the grant of such a license on a new form and pay a fee.

Encumbrance is removed 5 days.

Your mortgage is sold. What to do?

It's okay, just now you have a new lender. It gives you the same documents as described above and further issue certified copies of documents confirming the purchase of your loan (mortgage).

And if the lender (the bank) is bankrupt?

When a bank bankruptcy, revocation of his license, the bank introduced a temporary administration, which should resolve all issues with the clients of the bank. The required set of documents can be obtained from it.

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Your mortgage mortgage sold. Should I worry?

In general, the mortgage lending system looks like. Banks lend to individuals mortgages, rights which are mainly certified mortgages. Make sure mortgage means that the transaction with the credit agreement and the mortgage agreement is made even mortgage. Why and why you can read here.

And in order to have money for the next issue, banks often accumulate credits on its balance sheet and then the gross (pool) sell them to investors. Banks appear "free" money they can to lend again. But now is not about that.


Sale of mortgage

It should be understood that the bank can sell the mortgage to any person. Sale of mortgage can not be prohibited, any such record on the mortgage - is negligible. Sale of mortgage recording accompanied her with a mark on the new owner. In fact, all. Sale of mortgage and credit accomplished. The new owner of the mortgage may register their rights and can not register. Oddly enough, but this is also his right. It is legitimate on the basis of a mortgage made to mark the transfer of rights.

However, on the sale of non-credit mortgage company, you have to give its consent. But it is, as a rule, explicitly fixed in advance or in your application for credit, or, most likely, in the loan agreement.

Sell ??your mortgage can be an unlimited number of times, sometimes sold back to your own primary creditor, ie one who gave you the loan. This often happens when you are in the first year there are some problems, including defaults


Selling mortgage involves the transfer of personal data and obligated persons, ie those who signed the mortgage, without their consent. But the new lender is legally obliged to ensure the confidentiality regime.

And how do these persons are obliged to recognize that there was a sale of the mortgage?

Quite simply, after the sale of your primary mortgage lender is obliged to inform you about the transfer took place. Notify is not on the phone, sms-Coy, not by e-mail, and written under your signature. If you have any doubt on receipt of such a letter, you can call your primary lender and clarify whether this is so.

It happens that the new owner of the mortgage is in one place, for example, in Moscow, and it has no offices in other regions, and your apartment, which is pledged for the loan in Vladivostok. Of course, the new owner, and you yourself, remote communication is inconvenient. And then the new owner appoints a local agent for support, what will notify you in writing. Always writing. As a rule, in the same letter, you are notified of new details for payment.

New details for payment

By the way, new details, probably the only disadvantage of the sale of your mortgage.

Worry about, because none of the conditions of previously concluded contracts and the mortgage can not be changed unilaterally, without your consent. But you will need to pay for other details.

What does it mean?

Theoretically, you can make money in the same place forever. You're sure to come in your bank account filled up with this account on a specific date to debit to repay the loan. In order to write off the money, you are likely to initially leave the bank standing order for withdrawal. Now you need to change this order, specifying a new recipient, and new details. And the pay can, as always, coming into my bank. Only money is now your bank will not afford to leave, and on the list you specify details. If the sale of the mortgage has happened a few times, you will probably need to change each time this request for withdrawal of money.

What is the disadvantage here?

If your payment previously remained in the bank, but now he will have to "walk" to get to the new owner of the mortgage. After the expense of the latter certainly open another bank. Those. if before writing off money from your checking account and credited to the credit account held at the same time, but now it will take some time. In some cases, the write-off of money from one bank to credit them to the loan account at another bank can take several days. And it can lead you to the so-called technical arrears and penalties. To avoid this, top up your account in your "old" bank in advance and standing order for withdrawal does not specify the deadline for payment, and for a couple of days earlier.

whether the new costs arise?

May occur. And that's why. Before you pay your creditor in one bank, and he with the money you have to repay the loan did not take. Now held for sale and the mortgage you have to pay to a third party, the new owner of the mortgage. Account with him, as we have said, generally can be in another bank. To your bank, where you are served, there is a new work to transfer your money. In most cases, this is a paid transaction. The commission amount is set by the bank, who on your behalf transfers the money. And you have a new task - to select the operator (bank), which is the most cheaply will forward your money to the new creditor.

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Insure and live quietly with a mortgage

What can be insured at all?

Insure may be a loved one, that is, his life and loss of ability to work, their possessions, their financial responsibility, liability, ie their liability to third parties. The risk of loss of ownership of real estate can still be insured.



In general, everything is possible. What you need, when you take a mortgage loan?

There mortgage insurance when required, but is voluntary.

Required banks require to insure the property, which is transferred as collateral (mortgages). It is believed that this is required by the law on mortgage (we will not argue about it now). The cost of insurance depends on the type of accommodation, the house will be more expensive apartments, wooden house - even more expensive. This insurance is generally a good thing, and civilized. He insured and live quietly. If something happens to housing - a flood, fire, etc., the insurance company will pay for the damage. When a mortgage when you pay every month to repay the loan amount and a serious budget can not allocate the extra money for such repairs, it is useful.

Well, in general, this is all bound. All other optional insurance from the point of view of the bank, but will affect the cost of credit. The more insurance you will have, the less may be the interest rate on your mortgage.

But I would like to talk about some of the more insurances.


insurance risk of loss of life and disability. Not necessary. But imagine that you pay on the loan, and here with you something happens (God forbid, pah-pah-pah). Who is going to pay the loan? There is no one? Start delay. It is necessary to you? But, if you insure, you will pay for the insurance company. And do not forget that if the rate of such insurance below.

insurance risk of loss of property rights. title insurance, if shorter. Again, optional insurance. Now the little which banks require such insurance, and if you want it, it is only for the first three year loan, yet are not considered to expire limitation period, ie where a third party may bring an action to protect their rights on your property. And here there is a big "but". Civil Code does provide for a term of protection of violated rights. It really is 3 years. But 3 years from the date on which the person knew or should have known about the violation of their rights. A person can learn about the violation of their rights much later than the date of issuance of credit, for example, a child whose rights are infringed. Grow up and submit a claim. Maybe, instead of the maximum coverage is better to check all around the apartment (or other property) in advance before purchasing it? It's your risk, and not the bank. What you should pay attention to, can be found here.

If you decide on the insurance if the mortgage, do not forget that in the complex all this costs less.
And do not think that your rights are protected by someone else, especially a bank that thinks only of himself.

Calculate the risks and decide what insurance you need, what - no. Rate the full cost of the loan, taking into account the cost of insurance and compare with the cost of the loan without insurance. Choose the best loan is not on a whim, and mathematically.

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