2024 Tus sau: Taylor Roberts | [email protected]. Kawg hloov kho: 2023-12-16 00:29
Guaranteed Hloov Tus Nqi yog hom kev tuav pov hwm hauv tsev uas muaj qib siab tshaj ntawm kev pov hwm. Txoj cai no yuav them dab tsi nqi kom muab koj lub tsev rov qab los ua ke raws li nws tau ua ua ntej muaj kev puas tsuaj loj-tsis hais txog qhov txwv uas tau teev tseg hauv koj txoj cai.
Ib sab ntawm qhov no, dab tsi yog qhov sib txawv ntawm tus nqi hloov pauv thiab lav tus nqi hloov pauv?
Cov lav hloov tus nqi kev xaiv them rau cov nqi rov tsim kho koj lub tsev raws nraim li nws tau ua ntej muaj kev phom sij, txawm tias qhov nqi tshaj qhov kwv yees tus nqi ntawm lub tsev. Hloov ntawm guaranteed nqi kev pab them nqi, ncua hloov kev xaiv npog 20% ntxiv rau 25% ntawm hloov tus nqi ntawm lub tsev.
Tom qab ntawd, lo lus nug yog, tus nqi hloov pauv txhais li cas? Lub sij hawm hloov nqi los yog hloov tus nqi hais txog tus nqi uas ib lub chaw yuav tau them rau hloov ib qho cuab tam tam sim no, raws li nws cov nqi tam sim no. Hauv kev lag luam pov hwm, " hloov nqi "los yog" hloov nqi tus nqi "yog ib qho ntawm ntau txoj hauv kev txiav txim siab tus nqi ntawm cov khoom pov hwm.
Tsis tas li ntawd, txoj cai them nqi kho mob hloov pauv yog dab tsi?
Kev Pab Them Nqi Hloov - khoom nyiaj pov hwm lub sij hawm uas hais txog ib ntawm ob txoj hauv kev tseem ceeb rau kev tsim tus nqi ntawm nyiaj pov hwm vaj tse rau lub hom phiaj ntawm kev txiav txim siab tus nqi uas tus neeg tuav pov hwm yuav them thaum muaj kev poob.
Qhov twg yog qhov zoo dua tus nqi nyiaj ntsuab lossis tus nqi hloov pauv?
Qhov txawv yog qhov ntawd hloov nqi kev tuav pov hwm them rau tag nrho hloov nqi ntawm koj cov khoom thaum muaj kev puas tsuaj lossis tub sab, qhov twg tus nqi tiag tiag kev tuav pov hwm tsuas yog them rau cov depreciated tus nqi . Nrog hloov nqi kev tuav pov hwm, koj yuav muaj nyiaj txaus hloov koj cov khoom.
Pom zoo:
Dab tsi yog qhov sib txawv ntawm qhov kev lav phib xaub hauv tsev thiab kev lav paub dav?
Yog tias tus neeg siv khoom plam thiab poob rau hauv qhov chaw pabcuam hauv av, kev lav phib xaub yuav tuaj nqa qhov xwm txheej no. Kev lav ris rau tsheb, ntawm qhov tod tes, nthuav dav txoj cai kev lav phib xaub dav dav rau cov tsheb uas tau siv nyob hauv thaj tsam ntawm kev lag luam, lossis uas yog nyob hauv kev saib xyuas, saib xyuas, thiab tswj hwm koj lub lag luam
Qhov sib txawv ntawm kev lav paub lub kaus thiab kev lav phib xaub ntau tshaj yog dab tsi?
Lub Liab Liab yog txoj cai tsim los tiv thaiv tus tuav pov hwm los ntawm qhov muaj peev xwm "loj" poob. Umbrella kev pab them nqi yog ib hom Excess Liability, uas tsuas yog siv rau cov kev txwv ntxiv. Muab cov kev txwv ntxiv rau tus neeg pov hwm thaum lawv cov cai hauv qab txoj cai txwv tsis pub dhau los ntawm kev thov them nyiaj ntawm qhov tshwm sim
Kev lav paub lub neej txhais li cas ntawm cov nres nres?
Txheem Nres Nres Vs. Lub Neej Nres Nres. Txawm li cas los xij, muaj lub neej lav tsis tau txhais hais tias koj yuav tsis xav tau cov pawm tshiab dua. Feem ntau, nws tsuas yog txhais tau tias cov chaw tsim khoom lossis khw uas muag koj qhov kev lees paub yuav muab cov nres nres tshiab rau koj dawb thaum koj coj lawv los rau koj hnav
Puas yog tus nqi qab nthab thiab tus nqi hauv pem teb cuam tshuam rau qhov kev hloov pauv hauv kev thov thiab cov khoom nkhaus?
Tus nqi qab nthab thiab nqe pem teb tuaj yeem ua rau muaj kev xaiv sib txawv ntawm qhov xav tau raws li qhov xav tau nkhaus, tab sis lawv tsis txav qhov kev thov nkhaus. Kev tswj hwm tus nqi tuaj yeem ua rau muaj kev xaiv sib txawv ntawm cov khoom siv raws li cov khoom siv nkhaus, tab sis lawv tsis hloov cov khoom nkhaus
Qhov sib txawv ntawm kev hloov pauv tus nqi thiab tus nqi nyiaj tiag yog dab tsi?
Tsuas yog qhov sib txawv ntawm tus nqi hloov pauv thiab tus nqi ntawm cov nyiaj ntsuab tiag tiag yog kev txiav tawm rau kev depreciation. Txawm li cas los xij, ob qho tib si raws li tus nqi niaj hnub no los hloov cov khoom puas nrog cov cuab yeej tshiab