I okuza ka CTP. Coefficient indawo CTP. CTP by esifundeni Coefficient

Ngo-April 1, 2015 lesifunda avtograzhdanki okuza kwangena eRussia, futhi ngemva kwenye amasonto amabili - Ushintshe isizinda. Izimali akhuphuke ngama-40%. Bangaki abashayeli manje kufanele ukhokhele Inqubomgomo MTPL?

izinguquko zomthetho

Lwemali ukwehla, ukwanda kwemali umkhawulo ukuze kukhawulwe autocitizen ezingenanzuzo ingxenye emakethe umshwalense - zonke lezi zici kwaholela ekubeni kwentengo kanye ukunwetshwa izinkokhelo ephasishi ngo-2015.

Coefficient indawo CTP lakhuphuka lafika ku-11 izifunda of Russia enye inombolo efanayo encishisiwe. tilinganiso enkulu yama-25% kunikeziwe Chuvashia, eVoronezh Kurgan izifunda. Ngo Magadansky endaweni amanani ngeke zingancishiswa ngokushintsha 41%. E Dagestan, Tove, Ingushetia, Chechnya naseLeningrad esifundeni by esifundeni CTP Coefficient kwehle.

Izibalo babe MSU ochwepheshe. Ngokolwazi wathola, kwezinye izindawo kwakudingeka ukuba wandise yokugibela kumphakathi izindlela zokuthutha ezingaphezu kuka-400%. Ushintsho yangempela yayingewona 100%. Ngalokwenetisako tariff ukwanda emakethe esabalindele eminyakeni embalwa. I PCA bakholelwa ukuthi manje uzokwenza ukuthuthukisa ikhwalithi yokuvikela kanye sekulinganisa izintshisekelo.

Ngaphezu kwalokho, uhlelo olusha yokuthola inkokhelo ngokushesha iqiniso lokulimala ukuphila nempilo isisulu. Ngaphambili, yonke imali emva kokwelashwa, ngesisekelo namarisidi okufakiwe. manje Inkokhelo ungathola hhayi kuphela abathembele isisulu, kodwa futhi bakhe nezihlobo abaseduze.

namanani entengo

izindleko inqubomgomo yakhiwa fares kanye ngamazinga ezikhethekile. I okuza ka CTP umthetho esibekwe umbuso. Izinkampani zemishuwalense Awukwazi ukushintsha ngokwakho. Ekupheleni kuka-2014, umlamuli anda ubukhulu esiphezulu izinkokhelo avtograzhdanki ukuba ama-ruble ayizigidi 400, nokuthi izinkampani kungukuthi kokulahlekelwa imali - .. Ukwandiswa yamanani ayo nge-avareji ka-50%.

Kanjani ukubala izindleko

Ifomula ulula: okuza umshwalense MTPL ziziningi nge izinga isizinda. Kodwa amanani sincike ezicini eziningana: .. Qhuba owayeshayela imoto esifundeni ukuhlala, isimo imoto, njll Ifomula evamile ekubaleni simiswe ngalendlela lelandzelako:

Inqubomgomo RT = tdb x x x BM FAC Kulungile x x x C x KM KN x n, lapho:

• BT - base izinga.
• CT - indawo CTP Coefficient.
• KBC - inkomba yokuthi engu / ubude inkonzo.
• BM - ibhonasi-malus.
• Kulungile - nokukhawulela ngesilinganiso.
• KM - amandla injini.
• C - seasonality.
• KH - Coefficient iziyaluyalu.
• P - inkomba yokuthi inkathi umshwalense.

Eqolo umshwalense izobiza kubantu abasha abakwazi ukuya ku izimoto ezinamandla emadolobheni amakhulu. Izindleko abashayeli nayo lapho ingozi-free ukushayela isipiliyoni eminyakeni engaphezu kwengu-10 kuyoba esincane.

Izinga eliyisisekelo

inqubomgomo MTPL izindleko kuyahlukana ngokuya esifundeni. Ukuze uhlobo yezokuthutha ngamunye, kuye ngenani lezihlalo kanye tonnage, setha tariff yayo. Ukuze abanikazi izimoto ihlukaniswe, ngokuvumelana ukuphakama yabo ngaphambi noma izinhlangano ezingokomthetho. Akakashintshi kusukela ngo-2004. Ukuze izivumelwano ukuthi usungenile emva April 1, 2015, izosetshenziswa okuza enjalo izimali umshwalense CTP:

Izithuthuthu futhi Izikuta - ruble 1507.

izimoto:

• abantu zomthetho - ruble 2945;.
• abantu, IP - ruble 2455.

Mishini yayisebenzisa njengoba itekisi, - 3677 ruble.

amaloli:

• nge isisindo eliphelele elivumelekile amathani 16 - ruble 2511.
• ezingaphezu kuka-16 amathani - ruble 4018.

amabhasi:

• nge 20 umgibeli izihlalo - ruble 2009.
• inani lezihlalo 21 noma ngaphezulu - ruble 2511.
• Taxi - ruble 3677.

Inqola - 2009 ruble.

Trams - ruble 1252.

Ogandaganda - ruble 1507.

izinkomba indawo

Lokhu isici kungathinta kakhulu izibalo. It kuncike indawo okusebenzela imoto eyinhloko. Uma inkontileka senziwe umuntu, wabe esebamba esikhundleni izimoto bhalisiwe, futhi osomabhizinisi - endaweni sokubhalisa isimo inhlangano.

Elikhulu kunawo wonke endaweni isilinganiso CTP isetshenziswa ezindaweni ezisemadolobheni amakhulu esisebenzayo traffic yengozi kanye emakamu eliphezulu (Kazan, Perm, Yakutsk, Chelyabinsk). Ukuze izimoto ezinamandla ngaphezu kwalokho kubalwa ngemazinga lasetulu. Ngakho-ke, TC abashayeli ukubhalisa Suv noma iloli lomsebenzisi elingcono ku-yesihlobo esihlala e ndawo. New MTPL izilinganiso 2015 ethulwa ethebuleni elingezansi. Ukuze izifunda 11 izinkomba ziye yanda, futhi ngenxa abanye - ziyancipha. E-Moscow ukubaluleka index ayizange ithuthuke.

Ibhonasi-malus

Uma kungenjalo, lokhu ipharamitha libizwa isaphulelo for the ride elingenazinkinga. Kungaba kakhulu ezithinta izindleko inqubomgomo. Lokhu Coefficient inikezwa esekelwe idatha mayelana nokuba khona / ukungabikho wenkokhelo umshayeli ethize esikhundleni imoto. Ngakho ukuthi esikhundleni imoto noma inkampani yomshuwalense ukushintsha isilinganiso akuphazamisi. Ikilasi ibuyekeziwe ekupheleni konyaka kusukela ngosuku isiphelo sesimiso inkontileka. CTP okuza kubalwa ngokwemigomo langaphambilini, isikhawu phakathi inkontileka kwakungelona izinyanga ezingaphezu kuka-12. Kungenjalo, umnikazi imoto ayabelwe isizinda sesithathu ekilasini.

umehluko wemisindo nemiqondo yamagama

Uma ngesikhathi sokungenelela umshayeli esasiphethe le ngozi, ke iyosebenza CTP anda amanani. Inqubomgomo entsha izobiza u-50% ngaphezulu ezibizayo. Kwaphela isikhathi esingaphezu konyaka elingenazinkinga, ikhasimende uthola isaphulelo 5%. Uma inqubomgomo ikhishwa okokuqala, ukubaluleka kwengosi kuba Inkomba 1. Isaphulelo esiphezulu 50%. Uma inqubomgomo liqoshwe abashayeli amaningana (isibonelo, uyise wamaphepha endodaneni yakhe), futhi omunye wabo osanda samiselwa bona ngomthetho ke Inkomba ibalwa ngesilinganiso esincane. Ngakho, ekushintsheni ukubaluleka Inqubomgomo MTPL.

okuza okusha BM ukunquma umshayeli ekilasini. Ngokwesibonelo, uma umuntu waba grade 5th anenani Inkomba 0.9, bese ukuba iphutha lakhe engozini, khona-ke ngonyaka ozayo isaphulelo izomashela-5%, kanti isilinganiso - kuze kube 3. Uma olandelayo izinyanga 12 kuyoba elingenazinkinga, le umshayeli ulindele izinga 6 ephakeme.

Imininingwane Ukuthola

kwakhiwa Ibhonasi-malus is ngesisekelo umlando izimangalo umshwalense. Ukuze ugcine ithrekhi wabo, base PCA ekhethekile yadalwa 2013. umshwalense ngamunye ngaphakathi ezingu-15 ngemuva kokusayina isilawuli lokudlulisa.

Ubudala / isipiliyoni

Okuhlangenwe nakho okuningi zanqwabelana umshayeli, ephansi ukubaluleka le nkomba. Kodwa kukhona izibalo ezimbili ezibalulekile: yobudala somshayeli (iminyaka engu-22) futhi izinyanga 36 lokushayela. Kulokhu, Bude eliphakeme Inkomba value - 1.8. Uma abashayeli eziningana, it is kunakwe seqiwe index.

Linganisa ezicini for CTP (2014)

I umshwalense angafakwa abashayeli amaningi. Uma inqubomgomo bayobizwa ngamagama, akunandaba nenani (2 noma 5). Factor ngeke kushintshe. Kodwa uma umshayeli ngempela abakwazi ukusho ukuthi ubani zisazoqhubeka zisebenzisa emotweni, kodwa uyavuma kwakungenzeka lokhu, ukubaluleka ukusetshenziswa 1.8.

seasonality

Abashayeli abaningi basebenzisa imoto kuphela ehlobo kanti ebusika ishiywa egalaji. Noma usebenze imoto ngesikhathi uhambo olude. Ezimweni ezinjalo, wakhipha Inqubomgomo ngaleyo nkathi noma iyiphi inkathi 3 izinyanga. Inani Inkomba lingana kuze fike, kuthathela izinyanga 10 wokusebenza. With eyodwa emifushane bangathembela isaphulelo okuncane.

ukwephulwa Coefficient

Isetshenziselwa ezimweni ezinjalo:

• okwenza izitatimende ezingamanga;
• ukushayela uma sebedakiwe;
• sicasulwa ngamabomu ingozi;
• kokuya;
• ekutholeni umuntu beshayela akuyona alotshiwe inqubomgomo.

Izinkomba yomshuwalense wokuphila namandla motor

Umsuka uyahluka 0.2 1 naku isetshenziswa kuphela amazwe noma uma imoto ihamba sisendleleni. amandla Engine kungabonakala PTSD. Lesi isilinganiso ibalwa njengoba umsebenzi amahhashi. Uma imibhalo elicacisiwe kilowatts, ukuguqulwa simiswe ngalendlela lelandzelako: 1 kW = 1.359 amalitha. a.

izimoto-trailer

Ukuze imoto eyodwa ezifana manje tariff singanikezwanga. Kodwa wazakhela Coefficient ekhethekile, okuyinto incike uhlobo-trailer, kusukela 1.15 ukuze 1.45.

Nge ishidi ohlanzekile

umlando Umshwalense lufakwa umuntu unamalungelo futhi ilawula imoto. Kodwa idatha sisusiwe, uma ngaphakathi 12 izinyanga umshayeli akafakanga kunoma iyiphi CTP inqubomgomo. Isibonelo: akukho umnikazi imoto Ungacela umnikazi we auto isivumelwano ngaphandle abantu bavuma ukuthi ukuphathwa. Emva kwezinyanga ezingu-12 emlandweni walo reset, sizokwazi ukungena ngemvume inqubomgomo yabo. nabanikazi bezimoto kumele kuqala ukuvuselela amaphepha isihlobo, bese uya kwi amandla ommeli.

ezinye izinguquko

Ithuba isivumelwano isikhathi ngaphansi konyaka owodwa seziyatholakala. Noma nini kungase kuphakame isidingo enjalo, isibonelo, uma imoto lutholwa endaweni eyodwa, futhi umshayeli efuna ukubhalisa ke kwesinye. Ngaphambili, izinjongo ezifana, inqubomgomo yathengwa izinsuku ezimbalwa. Manje umshwalense ezinjalo kungenziwa ikhishwe kuphela izimoto angaphandle. Ngakho Warriors iphetha inkontileka kwesizini. Abanikazi imoto ku imishini LPG inikezwa 15% isaphulelo.

Kumila izindleko izinqubomgomo emadolobheni amakhulu Russian

Ngokwesibonelo, ukuthatha esiphezulu zedatha abashayeli iminyaka engu-23 ukuphathwa isipiliyoni nge imoto engaphezu kwemithathu ubudala, onendlu imoto nge umthamo injini 70-100 l. a.

isiphetho

Ngo-April 2015 Bank of Russia ushintshe ratio CTP by isifunda kanye amazinga ayisisekelo. Innovations ziyohlala okwandisa inani eliphezulu izinkokhelo kanye bomnotho kuleli zwe. Ngokuvamile, amazinga ukukhula zaba 40-60%. Coefficients yomthetho indawo washintsha kuphela izifunda 11. Base amazinga futhi baye banda hhayi kuzo zonke izindawo. Kukhona Coefficient entsha ngoba izimoto nge trailer. Okuqukethwe umshwalense izinyanga ezimbalwa ngoba imoto ebhaliswe Russian Federation can ngesizini kuphela.