Seguros Cuestionario Corregido-Converted-Compressed

 

NSC^]GLOHZGL MC ^CFSZL^ HN]G[GMHM [GZ]SHA :

8) Ahs kghozhs cs uo hnucrml susnrgtl cotrc trcs phrtcs. Mcotrl mc csth mckgogngþo ha nlotrhtgsth sc ac nlolnc thijgço nlil2 

Hkghozhml. :) ¼Pucmc ca nlotrhthotc mc uo scfurl slagngthr nhijgls co uoh pþagzh mc scfurls<

^g >) Xugco phfh ah prgih co uo nlotrhtl mc scfurls sgciprc rcngjc ah gomciogzhngþo h ah quc ac mh mcrcndl

Khasl =) Co kuongþo mca tgpl mc hntgvgmhm mcshrrlaahmh, ca scfurl cs uoh hntgvgmhm........

Mc scrvgngls 3) Ca rgcsfl sc mckgoc nlil uoh ngrnuosthongh l hnlotcngigcotl hachtlrgl, nuyh ckcntgvgzhngþo l rchagzhngþo mh nlil rcsuathml2

Ca sgogcstrl ;) ¼Co quc sc jhsh ca scfurl<

Co ca rcphrtl mca mhøl cotrc uo oòicrl iuy cacvhml mc pcrslohs y ciprcshs nlo ahs igsihs l sgigahrcs ocncsgmhmcs mc prltcnngþo 6) ¼Plmréh scr ah igsih pcrsloh ca hscfurhmlr y ca tlihmlr mca scfurl<

 Ol, co ogofòo nhsl. 4) ¼Co tçrigols mc scfurls quç sc cotgcomc plr rcsploshjgagmhm ngvga<

Cs ah ljagfhngþo quc tgcoc uoh pcrsloh mc rcphrhr als mhøls y pcrbugngls prlmungmls h ltrh  pcrsloh 7) Ah pçrmgmh mc uoh ljrh mc hrtc nlostgtugréh uo rgcsfl mc tgpl2

Ihtcrgha 80) ¼^c pucmc hscfurhr nuhaqugcr rgcsfl<

 Ol. Mcjco nuipagrsc ngcrths nlomgnglocs2 quc scho plsgjacs, quc scho hachtlrgls, nlonrctls, nlonr ctls, ctn.  88) ¼Nuèa mc als sgfugcotcs tçrigols ol nlrrcsplomc h ahs nhrhntcréstgnhs mca rgcsfl<

Nlotéoul 8:) ¼H quç tgcoc mcrcndl ca hscfurhmlr<

 

H rcngjgr ca giplrtc mc ah prgih y vcrgkgnhr ahs ngrnuosthonghs co ahs quc sc dh prlmungml uo sgogcstrl. 8>) Gomgquc ah rcspucsth nlrrcnth2 "Ca hscfurhmlr, hntuhoml nlil kghmlr l hkghozhmlr co uoh pþagzh mc kghozhs..."

 Ol cs mcumlr mgrcntl mc ah ljagfhngþo y slal rcsplomc rcspl omc scnuomhrghicotc nuhoml ca mcumlr  prgongpha mcbh mc nuipagrah. 8=) Co ca Cnuhmlr, ca sgstcih pòjagnl mc prcvgsgþo slngha sc mcoligoh….

^cfurgmhm slngha 83) Klriho phrtc mc als scfurls mc pcrslohs2

]lmhs ahs rcspucsths hotcrglrcs slo nlrrcnths 8;) ¼H quç tgcoc mcrcndl ca hscfurhmlr<

H rcngjgr ca giplrtc mc ah prgih y vcrgkgnhr ahs ngrnuosthonghs co ahs quc sc dh prlmungml uo sgogcstrl. 86) ¼Nuèa mc als sgfugcotcs scfurls ol klrih phrtc mca scfurl mc vgmh<

Ca scfurl mc hnngmcotcs pcrslohacs 84) Ahs kghozhs cs uo hnucrml susnrgtl cotrc trcs phrtcs. Mcotrl mc csth mckgogngþo h ah nliphøéh mc scfurls sc ac nlolnc thijgço nlil2

Hkghozhmlr 87) Gomgquc nuèacs slo ahs nhrhntcréstgnhs mc uoh pþagzh mc kghozhs2

]lmhs ahs hotcrglrcs :0) ¼Nuèoml nligcozh h kuonglohr ah prltcnngþo ha nlotrhthr uo scfurl<

Mcsmc ca igsil ilicotl co quc sc nlotrhth ca scfurl, huoquc ol sc pcrngjh ohmh késgnl h nhijgl. :8) Nuèa cs ca nhpgtha iéogil rcqucrgml phrh ah nlostgtungþo mc uoh ciprcsh mc rchscfurls csthjacngmls co ah acy fcocrha mca scfurl

h.   j.  n.  m. 

80000000 =000000 4000000 8>000000

 

::) Icmghotc uo nlotrhtl mc scfurls ahs phrtcs phntho cxprcshicotc ah plsgjgagmhm mc uoh pçrmgmh, scfòo sch ca rcsuathml mc uo hnlotcngigcotl mc nhrèntcr klrtugtl, csth nhrhntcréstgnh mca scfurl nlrrcsplomc h2

h.   j.  n.  m. 

Gotugtu pcrslohc Gomgvgsgjac Hachtlrgl Mc hmdcsgþo

:>) Ca mlal, ah nuaph frhvc y als hntls icrhicotc pltcsthtgvls mca hscfurhml slo hscfurhjacs

[crmhmcrl Khasl :=) Soh slah pcrsloh pucmc rcuogr ahs nhagmhmcs mc

h.   j.  n.  m. 

^lagngthotc, hscfurhmlr y hscfurhml ^lagngthotc, hscfurhmlr y jcockgnghrgl ^lagngthotc, hscfurhml y jcockgnghrgl Hscfurhml, hscfurhmlr y jcockgnghrgl

:3) Gomgquc sg csth hkgrihngþo cs vcrmhmcrh l khash

Co als scfurls mc pcrslohs pcr slohs ca vhalr mca gotcrçs hscfurhjac ol tgcoc ltrl aéigtc quc ca quc agjrcicotc ac hsgfoco ahs phrtcs nlotrhthotcs [crmhmcrl Khasl :;) Phrh ckcntls mc ah acy h qugco sc nlosgmcrh jcockgnghrgl

h.  H ah pcrsloh ohturha l burémgnh quc sc nlotrhth ca scfurl sch plr nucoth prlpgh l plr ah mc uo tcrncrl mctcrigohml l mctcrigohotc quc trhsaèmhals rgcsfls ha hscfurhmlr  j.  H ah pcrsloh ohturha l burémgnh acfhaicotc hutlrgzhmh phrh lpcrhr co ca cnuhmlr quc hsuic als rgcsfls cspcngkgnhmls nlo ca nlotrhtl mc scfurls n.  Ah pcrsloh ohturha l burémgnh gotcrcshmh co ah trhosahngþo mc als rgcsfls m.  H ah pcrsloh quc dh mc pcrngjgr co nhsl mc sgogcstrl ca prlmuntl mca scfurl :6) Nuèa mc ahs sgfugcotcs hkgrihnglocs co ah nlrrcnth phrh ah mckgogngþo mc rcstgtungþo mc suih hscfurhmh

h.  Prgih prlplrngloha nhanuahmh co jhsc ha vhalr mca mcmungjac y ha tgcipl rcsthotc mc nljcrturh quc ca nagcotc mcjc phfhr h ah hscfurhmlrh hscfur hmlrh plr rcstgtugr ca vhalr hscfurhml hscfur hml mca jgco quc tuvl uo sgogcstrl  j.   Ogofuoh mc ahs rcspucsths n.  Prgih prlplrngloha nhanuahmh co jhsc ha vhalr mc ah suih tltha hscfurhmh y ha tgcipl rcsthotc mc nljcrturh quc ca nagcotc mcjc phfhr h ah hscfurhmlrh plr rcstgtugr ca vhalr hscfurhml mca jgco quc tuvl uo sgogcstrl

 

m.  Prgih prlplrngloha nhanuahmh co jhsc ha vhalr mca sgogcstrl y ha tgcipl rcsthotc mc nljcrturh quc ca nagcotc mcjc phfhr h ah hscfurhmlrh plr rcstgtugr ca vhalr hscfurhml mca jgco qquc uc tuvl uo sgogcstrl :4) Cotrc ltrls nuhacs slo als cacicotls csconghacs mca nlotrhtl mc scfurl

h.  Ca hscfurhmlr, ca slagngthotc, ca gotcrçs hscfurhjac, ca rchscfurl  j.  Ca rchscfurhmlr, ca slagngthotc, ca gotcrçs hscfurhjac, ca jcockgnghrgl n.  Ca ilotl hscfurhml ah prgih l prcngl mca scfurl, ca gotcrçs hscfurhjac, ca sgogcstrl m.  Ca hscfurhmlr, ca slagngthotc, ca gotcrçs hscfurhjac, ca rgcsfl hscfurhjac

:7) Nuèa mc als sgfugcotcs tçrigols cs ah jhsc mca rchscfurl ol prlplrngloha

h.   j.  n.  m. 

^gogcstrl Prljhjgagmhm Zgcsfl Prgih

>0) Nuèa mc ahs sgfugcotcs hkgrihnglocs cs ah nlrrcnth

h.  Mcotrl mc als scfurls mc mhøls ah hvcréh icrih l pcrmgmh mc uoh nlsh prlvcogcotc mc vgngl  prlpgl sg cstèo nliprcomgmls mcotrl mc als rgcsfls rgcsf ls hsuigmls plr ca hscfurhm hscfurhmlr lr  j.  Mcotrl mc als scfurls mc mhøls ah hvcréh, hvcr éh, icrih l pcrmgmh mc uoh nlsh prlvcogcotc mc vgngl  prlpgl ol cstèo nliprcomgmls mcotrl mc als rgcsfls rgcs fls hsuigmls plr ca hscfurhmlr n.  Mcotrl mc als scfurls mc mhøls ah hvcréh icrih l pcrmgmh mc uoh nlsh prlvcogcotc mc vgngl  prlpgl ol cstèo nliprcomgmls mcotrl mc als ocflngls hsuigmls plr ca hscfurhmlr, cxncptl nuhoml sc trhth mc jgcocs ihtcrghacs m.   Ogofuoh mc ahs rcspucsths >8) Gomgquc nuèa mc als sgfugcotcs tçrigols nlrrcsplomc h ah trhoskcrcongh mc rgcsfls mc uo rchscfurhmlr h ltrl rchscfurhmlr

h.  Zctrlncsgþo  j.  Ncsgþo n.   Ogofuoh mc ahs rcspucsths m.  Nlhscfurl >:) Nuèa mc ahs sgfugcotcs nhrhntcréstgnhs ol nlrrcsplomc ha rchscfurl khnuathtgvl

h.  Ahs nlomgnglocs quc dho mc rcfuahrah ncsgþo y ah hncpthngþo mca rchscfurl slo csthjacngmhs  phrh nhmh rgcsfl co nlonrctl  j.  Ah rctcongþo l ncsgþo sc csthjacnc gomgvgmuhaicotc cstumghoml rgcsfl h rgcsfl cotrc ah hscfurhmlrh y ah rchscfurhmlrh n.  Ah rchscfurhmlrh ol sc nliprlictc h ncmcr og ah rchscfurhmlrh rchscfurhml rh ol sc nliprlictc h hncpthr ngcrth nahsc mc rgcsfls m.  Ah rchscfurhmlrh y ah rchscfurhmlrh rchscfurhmlr h sc nliprlictco uoh h ncmcr y ah ltrh h hncpthr ngcrtls  plrncothbcs mc rgcsfl quc hsuic ah prgicrh >>) H qugco gonuijc prljhr ah lnurrcongh mc sgogcstrl ca nuha sc prcsuic prlmungml plr nhsl klrtugtl shavl prucjh co nlotrhrgl

 

h.   j.  n.  m. 

Ha hscfurhmlr H ah nliphøéh mc scfurls Ha nlotrhthotc mca scfurl Ha hscfurhml

>=) Dhsth quc vhalr ca hscfurhmlr cstè ljagfhml h rcsplomcr ha hscfurhml nuhoml sc prcscoth uo sgogcstrl  h.  Dhsth ca vhalr mca rchscfurl ncmgml  j. Dhsth ca ca vhalr vhalr mca mc ahsgogcstrl, prgih rcngjgmh n.   Dhsth huoquc cstc sch ihylr quc ah suih hscfurhml m.  Dhsth ca vhalr mc ah suih hscfurhmh >3) Phrh ckcntls mc ah acy h qugco sc nlosgmcrh slagngthotc mca scfurl

h.  H ah pcrsloh burémgnh acfhaicotc hutlrgzhmh phrh lpcrhr co ca cnuhmlr, quc hsuic als rgcsfls cspcngkgnhmls co ca nlotrhtl mc scfurls  j.  H ah pcrsloh ohturha l burémgnh acfhaicotc hutlrgzhmh phrh lpcrhr co ca cnuhmlr quc hsuic als rgcsfls cspcngkgnhmls co ca nlotrhtl mc scfurls n.  H ah pcrsloh ohturha l burémgnh quc sc nlotrhth ca scfurl sch plr nucoth prlpgh l plr ah mc uo tcrncrl mctcrigohml l mctcrigohjac quc trhsahmh als rgcsfls ha hscfurhmlr m.  Ah pcrsloh ohturha l burémgnh gotcrcshmh co ah trhosahngþo mc als rgcsfls >;) Phrh ckcntls mc ah acy h qugco sc nlosgmcrh hscfurhmlr

h.  Ah pcrsloh ohturha l burémgnh gotcrcshmh co ah trhosahngþo mc als rgcsfls  j.  H ah pcrsloh ohturha l burémgnh acfhaicotc hutlrgzhmh phrh lpcrhr co ca cnuhmlr quc hsuic als rgcsfls cspcngkgnhmls co ca nlotrhtl mc scfurls n.  H ah pcrsloh burémgnh acfhaicotc hutlrgzhmh phrh lpcrhr co ca cnuhmlr quc hsuic als rgcsfls cspcngkgnhmls co ca nlotrhtl mc scfurls m.  H ah pcrsloh burémgnh quc nlotrhth ca scfurl sch plr nucoth prlpgh l plr ah mc uo tcrncrl mctcrigohml l mctcrigohjac quc trhsahmh als rgcsfls ha hscfurhmlr >6) Nuèa cs ca olijrc olij rc quc sc mh nuhoml sc prlmunc ca dcndl mc quc ca vhalr mca jgco hscfurhml co uoh pþagzh cs supcrglr ha quc rchaicotc tgcoc

h.   j.  n.  m. 

Krhoqugngh ^uprh scfurl Zchscfurl Gokrh scfurl

>4) Co nuhotl tgcipl prcsnrgjco ahs hnnglocs mcrgvhmhs mca nlotrhtl mc scfurl

h.   j.  n.  m. 

Co mls høls h phrtgr mca hnlotcngigcotl quc acs mgl lrgfco Co trcs høls h phrtgr mca hnlotcngigcotl quc acs mgl lrgfco Co mls høls h phrtgr mc ah nlotrhthngþo mca scfurl Co trcs høls h phrtgr mc ah nlotrhthngþo mca scfurl

 

>7) ]çnognhicotc ah prgih cs ca nlstl mc ah prljhjgagmhm icmghotc tcþrgnh mc quc sc prlmuznh uo sgogcstrl mcotrl mc uoh mctcrigohmh zloh.

Mc hnucrml h cstc nloncptl, ah prgih quc ca hscfurhmlr mcjcréh nljrhr phrh hscfurhr uo vcdénual cs mc 80=3,68 nlil sc mciucstrh ca sgfugcotc nèanual ;80000*8:000/6000000980=3,68 Gomgnhr quc rcprcscoth ca vhalr mc 6000000

h.    j. n.  m. 

Ca vcdénuals co nhmh ah zloh mctcrigohmh Ca tltha vhalrmc prlicmgl mcacxgstcotcs sgogcstrl mc vcdénual Ca tltha mc pcrsloh quc ihocbhjh vcdénuals co ah zloh mctcrigohmh Ca oòicrl mc vcdénuals quc tcomrého uo sgogcstrl (vcdénuals sgogcstrhmls)

=0) Co quç vhalr l plrncothbc ca ilotl hscfurhml sc cotgcomc rcmungml nuhoml sc prcscoth uo sgogcstrl

h.   j.  n.  m. 

Co uoh nhotgmhm gfuha h ah gomciogzhngþo phfhmh plr hscfurhmlr Co uoh nhotgmhm icolr h ah gomciogzhngþo phfhmh plr ca hscfurhmlr Co ca igsil vhalr mca mcmungjac phfhml plr ca nagcotc Co uoh nhotgmhm supcrglr h ah gomciogzhngþo phfhmh plr ca hscfurhmlr

=:) Co tçrigols mc scfurls quc sc cotgcomc plr rcsploshjgagmhm ngvga

h.   j.  n.  m. 

Cs ah pçrmgmh cnloþignh sukrgmh co uo sgogcstrl Cs nuhaqugcr tgpl mc hnngþo quc sc cbcnuth nlo ocfagfcongh l nlo khath mc nugmhml Cs nuhaqugcr mhøl késgnl, pcrsloha l ihtcrgha prlmungml nlo gotcongþo Cs ah ljagfhngþo quc tgcoc uoh pcrsloh mc rcphrhr als mhøls y pcrbugngls prlmungmls h ltrh  pcrsloh

=>) Nuèa cs ah rcspucsth goohth mca scr duihol krcotc ha rgcsfl

h.   j.  n.  m. 

Cagigohngþo Hsuongþo Prcvcongþo Prcvgsgþo

==) Pucmc uoh hscfurhmlrh rcndhzhr ah rcolvhngþo mca scfurl

h.   Ol, ouonh  j.  Mcpcomc mc ah murhngþo mca scfurl n.  Mcpcomc mca phés co ca quc sc nlotrhtc ca scfurl, uols al hmigtco y ltrls ol m.  ^g, plr cbcipal, nuhoml uo hscfurhmlr dhyh tcogml iundls sgogcstrls =3) Nuèa cs ah kgohagmhm mc uo scfurl

Lkrcncr prltcnngþo y scfurgmhm h ahs pcrslohs (y plr cxtcosgþo, h nuhaqugcr lrfhogzhngþo nlil ahs ciprcshs) krcotc dcndls hnngmcothacs

 

=;) Ahs kghozhs cs uo hnucrml susnrgtl cotrc trcs phrtcs. Mcotrl mc csths mckgognglocs ha nlotrhtgsth sc ac nlolnc nlil thijgço nlil

Hkghozhml =6) Co ca èijgtl mc als scfurls, ¼quç cotgcomc olrihaicotc plr ‑rgcsfl’) Xugco phfh ah prgih co uo nlotrhtl mc scfurls sgciprc rcngjc ah gomciogzhngþo h ah quc mh mcrcndl

Khasl 3=) Ca nlrrcmlr mc scfurls cs uoh pcrsloh vgonuahmh h uoh slah nliphøéh mc scfurls nuyh kuongþo cs ah icmghngþo y prlmunngþo mc scfurls

Khasl 33) H quc tgcoc mcrcndl ca hscfurhmlr

H rcngjgr ca giplrtc mc ah ihtcrgh prgih y vcrgkgnhr ahs ngrnuosthonghs co ahs quc sc dh prlmungml uo sgogcstrl 3;) Ca rgcsfl sc mckgoc nlil uoh ngrnuosthongh l hnlotcngigcotl hachtlrgl, nuyh ckcntuhngþo l rchagzhngþo mh nlil rcsuathml

Ca sgogcstrl 36) Nuhoml nligcozh h kuonglohr ah prltcnngþo ha nlotrhthr uo scfurl

Mcsmc ca igsil ilicotl co quc sc nlotrhth ca scfurl, huoquc ol sc pcrngjh ohmh késgnl h nhijgl 34) Nuèacs slo ahs nhrhntcréstgnhs quc uo rgcsfl mcjc tcocr phrh quc cstc sch hscfurhjac

Plsgjac, hachtlrgh nuhotgkgnhjac y nhusc pcrbugngl cnloþignl

 

37) Nuèa cs ca prgongpha mcjcr mc uo hscfurhmlr

Nustlmghr y prltcfcr ca jgco hscfurhml ;0) Klriho phrtc mc als scfurls mc pcrslohs

Ca scfurl mc hsgstcongh icmgnh Ca scfurl mc hnngmcotcs pcrslohacs Ca scfurl mc vgmh ]lmhs ahs rcspucsths hotcrglrcs slo nlrrcnths ;8) Co quc sc jhsh ca scfurl

Co ca rcphrtl mca mhøl cotrc uo oòicrl iuy cacvhml mc pcrslohs y ciprcshs nlo ahs igsihs l sgigahrcs ocncsgmhmcs mc prltcnngþo ;:) ^c pucmc hscfurhr nuhaqugcr rgcsfl

h.  Mcpcomc mca phés co ca quc ols conlotrcils nuhoml vhyhils h nlotrhthr  j.   Ol. Mcjco nuipagrsc ngcrths nlomgnglocs quc scho plsgjacs, quc scho hachtlrgls nlonrctls, ctn. n.  ^g sgciprc m.  ^g cspcnghaicotc als quc tgcoco quc vcr nlo ah shaum l ah vgmh duihoh ;>) Co kuongþo mca tgpl mc hntgvgmhm mcshrrlaahmh, ca scfurl cs uoh hntgvgmhm

h.   j.  n.  m. 

Mc scrvgngls Gomustrgha Ihoukhnturcrhs Mc hatl rgcsfl

;=) Nuèa cs ah prgongpha ljagfhngþo mca jcockgnghrgl mca scfurl

h.  Mhr nloscotgigcotl cxprcsl h ah rchagzhngþo mca scfurl  j.   Ogofuol als jcockgnghrgls ol tgcoco ljagfhnglocs  

n.   Gmcotgkgnhrsc Goklrihrsc hncrnh als mgkcrcotcs tgpls phrh mc scfurls quc dhyh co ca icrnhml m. hotc ahmccotgmhm hscfurhmlrh q vcrgkgquc ca mcrcndl h rcngjgr ah prcsthngþo nlovcogmh ;3) Nuèa cs ah prgongpha ljagfhngþo mca hscfurhmlr

h.   j.  n.  m. 

Nlotcsthr ahs prcfuoths mca hscfurhml co uo pahzl ol ihylr h := dlrhs Cigtgr pþagzhs mc scfurls nuhoml ca hscfurhml al slagngth Phfhr ah gomciogzhngþo ha hscfurhml nuhoml uoh pþagzh cstc vgfcotc y phfhmh Hscslrhr ha hscfurhmlr phrh prcvcongþo mc sgogcstrls

;;) Nuèa cs ca prgongpha mcjcr mc uo hscfurhml

h.   Ogofuol, als hscfurhmls ol tgcoco mcjcrcs  j.  Goklrihracs hncrnh mc als mgkcrcotcs tgpls mc scfurls quc dhy co ca icrnhml

 

n.  Mhr nloscotgigcotl cxprcsl h ah rchagzhngþo mca scfurl m.  Nustlmghr y prltcfcr ca jgco hscfurhml Pucmc uoh hscfurhmlrh rcndhzhr ah rcolvhngþo mc uo scfurl

h.   j.  n.  m. 

ol ouonh mcpcomc ca phés co quc sc nlotrhtc ca scfurl uols als hmigtco y ltrls ol mcpcomc mc ah murhngþo mca scfurl sg plr cbcipal cbcipal nuhoml uoh hscfurhmlrh dhyh tcogml iundls sgogcstrls

;6) Ah pçrmgmh mc uoh ljrh mc hrtc nlostgtugrè uo rgcsfl mc tgpl

h.   j.  n.  m. 

Zgcsfl nrcmgtgngl Kgohongcrl Ihtcrgha Ilrha

;4) Ca nlrrcmlr mc scfurls cs uoh pcrsloh vgonuahmh h uoh slah nliphøéh mc scfurls nuyh kuongþo cs ah icmghngþo y prlmunngþo mc scfurls

Khasl ;7) Ca rchscfurhmlr hntuhoml nlil kghmlr l hkghozhmlr co uoh pþagzh mc kghozhs

h.  Cs ca mcumlr mgrcntl y mcjc nuipagr ca ljbctl mc nlotrhtl kgrihml cotrc ca hkghozhml y nlotrhthotc  j.   Ol cs mcumlr mcum lr mgrcntl mc ah lljagfhngþo jagfhngþo y slal sl al rcsplomc scnuomhrghicotc nuhoml nuh oml ca mcumlr  prgongphaicotc mcbh mc nuipagrah n.  Cs ca quc rcngjc ah gomciogzhngþo cs ca nhsl mc quc ol sc nuipah ca nlotrhtl m.  Cs uoh mc ahs phrtcs hntuhotcs mcotrl mc uoh pþagzh mc scfurls mc kghozhs quc nlotrhth als scrvgngls mc uo nlotrhtgsth H quc tgcoc mcrcndl ca hscfurhmlr

h.  nustlmghr y prltcfgcrh uo jgco hscfurhml  j.  rchagzhr nhijgls co ahs pþagzhs co nursl l co vgfcongh n.  h rcngjgr ca giplrtc mc ah prgih y vcrgkgnhr ngrnuosthonghs co ahs quc sc dh prlmungml ca sgogcstrl m.  h rcngjgr ah gomciogzhngþo 60) Nuèacs slo ahs nhrhntcréstgnhs quc uo rgcsfl mcjc tcocr phrh quc cstc sch hscfurhjac

h.   j.  n.  m. 

Pcagfrlsl, quc nhush iundl mhøl Mhølsl, giprljhjac, hachtlrgl y klrtugtl Plsgjac hachtlrgl nuhotgkgnhjac y nhusc pcrbugngl cnloþignl Plsgjac, rcha y quc mhøc slahicotc h ahs pcrslohs

 

68) co quc sc jhsh ca scfurl

h.  Co ca prgongpgl mc qugco ah dhnc ah phfh  j.  Co ca rcphrtl mca mhøl cotrc uo oòicrl iuy cacvhml mc pcrslohs y ciprcshs nlo ahs igsihs l sgigahrcs ocncsgmhmcs mc prltcnngþo n.  Co ahs nlstuijrcs y nuaturhs mc nhmh phés m.  Co ah acy mc ah lkcrth y ah mcihomh mc jgcocs y scrvgngls ^g ah suih hscfurhmlrh cs ihylr ha vhalr rcha mca jgco, ah gomciogzhngþo sc agigth ha

h.   Ol tgcoc mcrcndl h ah gomciogzhngþo plrquc ca vhalr hscfurhml hscfur hml cs ihyl quc ca vhalr rcha  j.  Ha vhalr rcha mca jgco hscfurhml plrquc ca scfurl ol cstè phrh aunrhr mca igsil n.  ^c dhrè uo prlicmgl mca vhalr rcha y ca vhalr mca hscfurhml y csc vhalr sc phfhrh m.  Ha vhalr mc ah suih hscfurhmh huoquc csth sch ca ihylr Nuèa cs ca prgongpha mcrcndl mc uo hscfurhml

h.  Goklrihrsc hncrnh mc als mgkcrcotcs tgpls mc scfurl quc dhyho co ca icrnhml  j.  Nustlmghr y prltcfcr co jgco hscfurhml n.   Ogofuol, als hscfurhmlrcs ol tgcoc mcrcndl m.  Mhr nloscotgigcotl cxprcsl h ah rchagzhngþo mca scfurl Ah prgih cs ca prcngl l nulth mc uo nlotrhtl mc scfurls quc mcjc hjlohr

h.   j.  n.  m. 

Ca hscfurhmlr Ca rchscfurhml Ca jcockgnghrgl Ca tlihmlr mc scfurl 

Plmréh scr ah igsih pcrsloh ca hscfurhmlr y ca tlihmlr mca scfurl

h.  ^g co ca nhsl quc ca tlihmlr mca scfurl ol phfuc ah prgih  j.   Ol, co ogofòo nhsl n.  Plmréh scr ca nhsl mc quc sc hscfurc h pcrslohs m.  ^g, sg hijls tgcoco ca igsil rgcsfl Hotc uo rgcsfl mcsnlolngml oucstrh rcspucsth cs

h.  Cvhauhr su ihfogtum  j.  Prltcfcrols n.  Hdlrrhr phrh mgsigougr ahs nloscnuconghs cnloþignhs ocfhtgvhs m.   Ogofuoh, pucstl quc ol shjcils quc cxgstcotc mgndh hicohzh y ol hntgvhils oucstrh  prltcnngþo Ca hscfurhmlr hntuhr nlil kghmlr l hkghozhmlr co uoh pþagzh mc kghozhs

h.   Ol cs mcumlr mcum lr mgrcntl mc ah lljagfhngþo jagfhngþo y slal sl al rcsplomc scnuomhrghicotc nuhoml nuh oml ca mcumlr  prgongpha mcbh mc nuipagrah  j.  Cs ca mcumlr mgrcntl y mcjc nuipagr ca ljbctl mca nlotrhtl kgrihml cotrc ca hkghozhml y nlotrhthotc

 

n.  Cs uoh mc ahs phrtcs hntuhacs mcotrl mc uoh pþagzh mc scfurls mc kghozhs quc nlotrhth als scrvgngls mc uo nlotrhtgsth m.  Cs ca quc rcngjc ah gomciogzhngþo cs ca nhsl mc quc ol sc nuipah ca nlotrhtl Co tçrigols mc scfurls quc sc cotgcomc plr rcsploshjgagmhm ngvga

h.  Cs ah ljagfhngþo q tgcoc uoh pcrsloh mc rcphrhr als mhøls y pcrbugngls prlmungmls h ltrh  pcrsloh  j.  Cs nuhaqugcr tgpl mc hnngþo quc sc cbcnuth nlo ocfagfcongh l nlo khath mc nugmhml n.   Cs pçrmgmhmhøl cnloþignh sukrgmh col uo sgogcstrl m. Cs ah nuhaqugcr késgnl pcrsloha ihtcrgha prlmungml nlo gotcongþo Plmréh scr ah igsih pcrsloh ca hscfurhmlr y ca tlihmlr mc scfurl

h.  ^g, co ca nhsl mc quc ca tlihmlr mca scfurl ol phfuc ah prgih  j.  Plmréh scr co ca nhsl mc quc sc hscfurc hpcrslohs n.  ^g, hijls tgcoc ca igsil rgcfl m.   Ol, co ogofòo nhsl Nuèa cs ah kgohagmhm mc uo scfurl

h.   j.  n.  m. 

Zcfuahr ah hntgvgmhm nlicrngha gotcrohngloha Zcphrhr y ihotcocr als cmgkgngls, vcdénuals, dlfhrcs coscrcs, hsé nlil ahs pcrslohs ca tcn ]cocr rcothjgagmhm kgohongcrh prlicmgl mca icrnhml Ljtcocr prltcnngþo y scfurgmhm h ahs pcrslohs (y plr cxtgongþo h nuhaqugcr lrfhogzhngþo nlil ahs ciprcshs) krcotc h dcndls hnngmcothacs

Gomgquc nuhacs slo ahs nhrhntcréstgnhs mc uoh pþagzh mc kghozhs

h.  ^u ljbctl cs hscfurhr ca nuipagigcotl mc uoh ljagfhngþo prgongpha  j.  ^u sujsgstcongh cstè agfhmh h ah cxgstcongh mc uo nlotrhtl prgongpha n.  Ca hscfurhmlr prlncmc ha rcnahil nlotrh ah hscfurhmlrh, huoquc prcvghicotc dhyh cxgfgml ha tlihmlr mca scfurl nlo rcsuathml gokruntulsl m.  ]lmhs ahs hotcrglrcs c.   Ogofuoh mc ahs hotcrglrcs Co kuongþo mca tgpl mc hntgvgmhm mcshrrlaahmh ca scfurl cs uoh hntgvgmhm

h.   j.  n.  m. 

Gomustrgha Mc hatl rgcsfl Ihoukhnturcrh Mc scrvgngls

Co ca cnuhmlr ca sgstcih pòjagnl mc prcvgsgþo slngha cnloþignh

h.   j.  n.  m. 

Jgcocsthr slngha ^cfurgmhm slngha Igogstcrgl mc shaum pujagnh ^cfurgmhm prgvhmh

 

Nuhacs ah rcspucsth gfohth mca scr duihol krcotc ha rgcsfl

h.   j.  n.  m. 

Hsuongþo Prcvcongþo Prcvgsgþo Cagigohngþo

Gomgquc nuhacs slo ahs nhrhntcréstgnhs mc uoh pþagzh mc kghozhs

h.  ^u ljbctl cs hscfurhr ca nuipagigcotl mc uoh ljagfhngþo prgongpha  j.  ^u sujsgstcongh cstè agfhmh h ah cxgstcongh mc uo nlotrhtl prgongpha n.  Ca hscfurhmlr prlncmc ha rcnahil nlotrh ah hscfurhmlrh, huoquc prcvghicotc dhy cxgfgml ha tlihmlr mc scfurl nlo rcsuathml gokruntulsl m.  ]lmhs ahs hotcrglrcs c.   Ogofuoh mc ahs hotcrglrcs Nlil sc mcoligoh als scfurls co ca quc ca ljbctl hscfurhml cs ah pcrsloh

h.  Cspcnghacs  j.  Pcrslohacs n.  ^lagmhrgls Co tçrigols mc scfurl quc sc cotgcomc plr rcsploshjgagmhmcs ngvga

h.   j.  n.  m. 

Cs nuhaqugcr mhøl késgnl, pcrsloha l ihtcrgha prlmungml nlo gotcongþo Cs ah ljagfhngþo quc tgcoc uoh pcrsloh mc rcphrhrals mhøls y pcrbugngls h ltrhs pcrslohs Cs ah pçrmgmh cnloþignh sukrgmh co uo sgogcstrl Cs nuhaqugcr tgpl mc hnngþo quc sc cbcnuth nlo ocfagfcongh l nlo thaah mc nugmhml

Nuèa cs ca prgongpha mcrcndl mc uo hscfurhml

h.  Nustlmghr y prltcfcr ca jgco hscfurhml  j.  Goklrihrsc h ncrnh mc als mgkcrcotcs tgpls mc scfurls quc dhyh co ca icrnhml n.  Mhr nloscotgigcotl cxprcsl h ah rchagzhngþo mc scfurl m.   Ogofuol, als hscfurhmls ol tgcoco mcrcndl Agfhml ha nloncptl mc mhøl nujgcrtl co uoh pþagzh mc scfurls co ca iuoml hscfurhmlr cs iuy dhjgtuha dhjahr mc

h.   j.  n.  m. 

Prgih Zchscfurl ^gogcstrl Hscfurhmlr

Nuèa mc als sgfugcotcs scfurls ol klriho phrtc mc scfurl mc vgmh

h.   j.  n.  m. 

Ca scfurl mc khaacngigcotl Ca scfurl mc hnngmcotcs pcrslohacs Ca scfurl mc vgmh y supcrvgvcongh Ca scfurl mc supcrvgvcongh

 

Phrh quc sgrvc uo pcrgtl l fcstlr tçnognl mc sgogcstrls

h.  Phrh govcstgfhr, nliprljhr y ncrtgkgnhr ca lrgfco y ah ihfogtum mc als mhøls prlmungmls  phrh quc hscfurhml hscfurhmlrh hscfu rhmlrh pucmho fcstglohr als sgogcstrls mc klrih hmcnuhmh  j.  Phrh icmgr co ahs mgspuths quc surbho cotrc hscfurhml y hscfurhmlrh n.  Phrh mctcrigohr ca prcngl bustl mc als scfurls m.  Phrh hnloscbhrh ha pltcongha hscfurhml sljrc ahs ilmhagmhmcs mc scfurl y ahs nljcrturhs quc iès ac nlovgcoco Ca rgcfl sc mckgoc nlil uoh ngrnuosthongh l hnlotcngigcotl hachtlrgl nuyh ckcntgvgzhngþo l rchagzhngþo mh nlil rcsuathml

h.   j.  n.  m. 

Ca scfurl Ca sgogcstrl Ah nlotgofcongh Cvcotls mc ah ohturhaczh

Co ca èijgtl mc als scfurls. Xuc sc cotgcomc olrihaicotc plr rgcsfl

h.  Plocr co pcagfrl ah nhphngmhm cnloþignh mc uoh pcrsloh l khigagh  j.  Nuhaqugcr sgtuhngþo quc pucmh plocr co pcagfrl ah gotcfrgmhm késgnh mc uoh pcrsloh cxnausgvhicotc  

n.   Nuhaqugcr Nuhaqugcr sgtuhngþo mhøgoh pcrbumgngha phrh ahs pcrslohs l sus m. sgtuhngþopltconghaicotc quc pucmh plocr co lpcagfrl ah gotcfrgmhm ilrha mc uohjgcocs pcrsloh cxnausgvhicotc Ca scr duihol igrh mc mgstgoths klrihs ha rgcsfl, y tlih mgkcrcotcs nlomunths krcotc h çstc. Gmcotgkgquc hqucaah quc sc nlosgmcrhréh gohmcnuhmh.

h. Hsuic nlo sus prlpgls icmgls  j. Al igrh nlo gomgkcrcongh n. Nlotrhth uo scfurl m. Ca hutlscfurl Sol mc als sgfugcotcs tçrigols ol nlrrcsplomco h ahs nhrhntcréstgnhs mca rgcsfl

h. klrtugtl  j. Prlfrcsgvl n. Plsgjac m. Nlonrctl Ah naèusuah co ah pþagzh mc scfurls co ah quc sc mctcrigoh als suncsls l ngrnuosthonghs l jgcocs ol nujgcrtls, sc mcoligoh2

h. Zgcsfls cxnaugmls  j. Zgcsfl hsgfohml

 

n. Zgcsfl nlrrgml m. Zgcsfl htþignl Ah phrtc mca rgcsfl hscfurhml plr pþagzh mc scfurls quc ah nliphøéh rctgcoc, mcspuçs mc rchscfurhrsc phrtc mca igsil plr ltrh nliphøéh, sc mcoligoh2

h. Zgcsfl sgipac  j. Zgcsfl scongaal n. Zgcsfl rctcogml m. Zgcsfl prldgjgml Gmcotgkgquc uol mc als sgfugcotcs scfurls, quc ol pcrtcocnc h ah nahsgkgnhngþo mc hnucrml ha ljbctl h. ^cfurls hfrénlahs

 j. ^cfurls mc kghozhs n. ^cfurls pcrslohacs m. ^cfurls phtrgiloghacs Ca scfurl slngha tgcoc plr ljbctl hiphrhr h ah nahsc trhjhbhmlrh nlotrh ngcrtls rgcsfls, slo ljagfhtlrgls y sus prgihs cstèo h nhrfl mc als2

h. Hscfurhmls y cipachmlrcs  j. Hscfurhmls, cipachmlrcs y ca csthml n. Hscfurhmls, cipachmlrcs y co ogofòo nhsl ca csthml m. Hscfurhmls, cipachmlrcs y co hafuols nhsls ca csthml Ah ^rh. Pcrkcnth Auz Nahrh tgcoc uo jgco mc S^M$83,000 subctl h uo rgcsfl plr al quc mcngmc hdlrrhr scicstrhaicotc S^M$=00 h uoh thsh mc gotcrçs mca 80% houha nhpgthagzhjac scicstrhaicotc. Plr ltrh phrtc nlotrhth uo scfurl quc ac nljrh ca > plr iga trgicstrha mc ah suih hscfurhmh. ^c prcfuoth2 h.  ¼Xuç vhalr phfhréh plr ah nljcrturh mca ^cfurl<  9 83,000  9 =00  90.80 /:9 0.03    9   (8+) √8/   83,000 9 =00(8+0.03) √8 /   9 :8.;=3

 

  Prgih mc scfurl >   9 0.00>(83,000) 9 =3   =3Ö: 9 70   70Ö:8.;=3 9 8,7=4.0> þ        j. ¼Xuç vhalr hdlrrhréh hmgnglohaicotc< =00√70 9 >80

I 9 >80(8+0.03)_:8.;=3 √8 /0.03 9 88,;:3 Ca ^r. Aupgtl Jhsurtl plscc uo vcdénual mc $ >0,000 mþahrcs subctl h rgcsfl mc rljl y hnngmcotc, nlotrhth uo scfurl co $ :0.000. Ah nliphøéh mc scfurls ac nljrh uoh thsh mca =%5 uo mcmungjac mca 80% mca vhalr mc als mhøls. ^c prlmunc ca sgogcstrl h als ; icscs mc ah nlotrhthngþo mca ^cfurl. Ca vhalr mc als mhøls cs ca =0% mca vhalr mca vcdénual5 ^c csthjacnc uoh mcprcnghngþo mca 8% icosuha. Als mcrcndls mc cigsgþo (MC) nlostgtuyco ca =0% mca gipucstl h ah ^upcrgotcomcongh mc ^cfurls (^N[^). Nhanuahr ahs Gomciogzhnglocs2 h. G8 (GOMCIOGRHNGÞO ^GIPAC)  j. G: (GOMCIOGRHNGÞO NLO MCPZCNGHNGÞO) n. G> (GOMCIOGRHNGÞO NLO MCMSNGJAC) m. G= (GOMCIOGRHNGÞO NLO ZC^]HSZHNGÞO MC AH ^SIH H^CFSZHMH) (Z^H). /   / h.  9  9 , ((, / / , ))  9 ,  : 9 8 √   9 0.08(;)(8:,000) 9 6:0 j.  9 ,√ 9 ,  > 9 : √   9 0.80(8:,000) 9 8,:00 n.  9 ,√, 9 ,  = 9 > √  Z^H 0.0=(;,040) 9 :=>.:0(; /8:) 9 8:8.;0 Prgih 8:8.;0 >.3% ^N^ =.:; 0.3% ^^N 0.;8 Mcrcndl cigsgþo 8.60 ^ujtltha 8:4.86 8:% G[H 83.>4 ]L]HA 8=>.33 m.  9 ,√. 9 ,.   

 

  ^cacnngloc ca nloncptl quc mckgoc h ahs rcscrvhs mc sgogcstrl pcomgcotcs hvgshmls ➪ 

Nlrrcsplomc h ah suihtlrgh mc als vhalrcs cstgihmls mc gomciogzhngþo gonaugm gonaugmls ls als fhstls mc hbustc mc nhmh uoh mc ahs pçrmgmhs y quc tlmhvéh ol cstèo agqugmhmls.

¼H qugço gonuijc prljhr ah lnurrcongh mca sgogcstrl ca nuha sc prcsuic prlmungml plr nhsl klrtugtl shavl prucjh co nlotrhrgl< ➪ 

Ha hscfurhml.

¼Soh slah pcrsloh pucmc rcuogr nhagmhmcs mc< ➪ 

^lagngthotc, hscfurhml y jcockgnghrgl

¼Nuèa mc ahs sgfugcotcs nhrhntcréstgnhs nhrhntcréstgnhs ol nlrrcsplomc ha rchscfurl khnuathtgvl< ➪ 

Ah rchscfurhmlrh ol sc nliprlictc h ncmcr og ah rchscfurhmlrh ol sc nliprlictc h hncpthr ngcrth nahsc mc rgcsfls.

¼Nuèa cs ca olijrc quc sc mh nuhoml n uhoml sc prlmunc ca dcndl mc quc ca nhalr mca jgco hscfurhml co uoh pþagzh cs supcrglr ha quc rchaicotc tgcoc< ➪ 

^uprh scfurl

¼Nuèa mc ahs sgfugcotcs hkgrihnglocs cs nlrrcnth< ➪ 

Mcotrl mc als scfurls mc mhøls, ah hvcréh icrih l pcrmgmh mc uoh nlsh, prlvcogcotc mc vgngl prlpgl ol cstèo nliprcomgmls mcotrl mc als rgcsfls hsuigmls plr ca hscfurhmlr.

¼co uoh pþagzh mc scfurls mc vgmh qugco tgcoc mcrcndl mc dhncr y rcvlnhr ah mcsgfohngþo mc jcockgnghrgl< ➪ 

Ca hscfurhml

¼phrh ckcntls mc ah acy h qugco nlosgmcrh slagngthotc mca scfurl< ➪ 

H ah pcrsloh ohturha l burémgnh quc nlotrhth ca scfurl, sch plr nucoth prlpgh l plr ah mc uo tcrncrl mctcrigohml l mctcrigohjac quc trhsahmh als rgcsfls ha hscfurhmlr.

¼Nuèa cs ca nhpgtha iéogil rcqucrgml phrh ah nlostgtungþo mc uoh ciprcsh mc Zchscfurls csthjacngml csthjacngml co ah Acy Fcocrha mc ^cfurls< ➪ 

8>.000,0000

Gomgquc sg csth hkgrihngþo cs vcrmhmcrh l khash2

- 

Co als scfurls mc pcrsloha ca vhalr mca gotcrçs hscfurhjac ol tgcoc ltrl agigtc quc ca quc agjrcicotc ac hsgfoco ahs phrtcs nlotrhthotcs. (vcrmhmcrl) 

 

  ¼Phrh ckcntls mc ah Acy qugco sc nlosgmcrh hscfurhmlr< ➪ 

h ah pcrsloh burémgnh acfhaicotc hutlrgzhmh phrh lpcrhr co ca Cnuhmlr, quc hsuic als rgcsfls cspcngkgnhmls co ca nlotrhtl mc scfurl.

¼Co nuèotl tgcipl prcsnrgjco ahs hnnglocs mcrgvhmhs mca nlotrhtl n lotrhtl mc scfurl< ➪ 

Co mls høls h phrtgr mca hnlotcngigcotl quc acs mgl lrgfco.

¼Nuèa mc ahs sgfugcotcs mckgognglocs cs ah nlrrcnth phrh ca tcrigol mc rchscfurl< ➪ 

Cs uo gostruicotl tçnognl mca quc sc sgrvco ahs cotgmhmcs hscfurhmlrhs phrh nloscfugr ah nlipcoshngþo csthméstgnh quc ocncsgtho, gfuhahoml nuhagthtgvhicotc als rgcsfls.

¼Nuèa cs ca olijrc mc ah rcscrvh tçnognh quc tgcoc plr ljbctl nlipcoshr ahs mcsvghnglocs ocfhtgvhs mc sgogcstrhagmhm sgogcstrhagmh m h kgo mc ljtcocr ah sukgngcotc csthjgagmhm csthjgagmhm tçnognh h ogvca mc icrnhml< ➪ 

Zcscrvh mc mcsvghngþo mc sgogcstrhagmhm.

Gomgquc sg cs vcrmhmcrl l khasl ah sgfugcotc hkgrihngþo ➪ 

Ca hscfurhml co nuhaqugcr ilicotl pucmc rchscfurhr als rgcsfls quc dujgcrc hscfurhml ([crmhmcrl)  

Co uoh pþagzh mc scfurls mc vgmh, h khath mca jcockgnghrgl qugco tgcoc mcrcndl h als jcockgngls mca scfurl2 ➪ 

Als dcrcmcrls mca hscfurhml

^cøhac nuèa mc ahs a hs sgfugcotcs hkgrihnglocs cs ah nlrrcnth2 ➪ 

Mcotrl mc als scfurls mc mhøls, ah hvcréh, icrih l pcrmgmh mc uoh nlsh prlvcogcotc mc vgngl prlpgl ol cstèo nliprcomgmls mcotrl mc als rgcsfls hsuigmls plr ca hscfurhmlr 

¼Nuèa cs ca nhpgtha iéogil rcqucrgml phrh ah nlostgtungþo mc uoh ciprcsh mc ^cfurls csthjacngml co ah Acy Fcocrha mc ^cfurls< ➪ 

4.000.000,00

¼Nuèotl tgcipl tgcoc quc trhosnurrgr mcsmc ah kcndh mc pcrkcnnglohigcot pcrkcnnglohigcotl l mca nlotrhtl n lotrhtl l mc ah rcdhjgagthngþo mca igsil phr quc ca scfurl mc vgmh sch gomgsputhjac< ➪ 

Mls høls

¼Dhsth quç vhalr ca hscfurhmlr cstè ljagfhml h rcsplomcr ha hscfurhml nuhoml sc prcscoth uo sgogcstrl< ➪ 

Dhsth ca vhalr mc ah suih hscfurhmh.

 

8.  Ca nlrrcmlr mc scfurls cs uoh pcrsloh vgonuahmh h uoh slah nliphøéh mc scfurls nuyh kuongþo cs ah icmghngþo y prlmunngþo mc scfurls

Khasl :.  ¼Nuèa cs ca prgongpha mcjcr mc uo hscfurhml<

Nustlmghr y prltcfcr ca jgco hscfurhml   >.  ¼Pucmc uoh hscfurhmlrh rcndhzhr ah rcolvhngþo mca scfurl<

^é, plr cbcipal, nuhoml uo hscfurhml dhyh tcogml iundls sgogcstrls. =.  ¼Co quc sc jhsh ca scfurl<

Co ca rcphrtl mca mhøl cotrc uo oòicrl iuy cacvhml mc pcrslohs y ciprcshs nlo ahs igsihs l sgigahrcs ocncsgmhmcs mc prltcnngþo. 3.  "Ca hscfurhmlr, hntuhoml nlil kghmlr l hkghozhmlr co uoh pþagzh mc kghozhs..."

 Ol cs mcumlr mgrcntl mc ah ljagfhngþo y slal rcsplomc rcspl omc scnuomhrghicotc nuhoml ca mcumlr  prgongpha mcbh mc nuipagrah. ;.  ¼Co tçrigols mc scfurls quç sc cotgcomc plr rcsploshjgagmhm ngvga<

Cs ah ljagfhngþo quc tgcoc uoh pcrsloh mc rcphrhr als mhøls y pcrbugngls prlmungmls h ltrh  pcrsloh 6.  Hotc uo rgcsfl mcsnlolngml, oucstrh rcspucsth cs2  Ogofuoh, pucstl quc ol shjcils quc cxgstc mgndh hicohzh y ol ‑hntgvhils’ oucstrh

 prltcnngþo. 4.  ¼Nuèacs slo ahs nhrhntcréstgnhs quc uo rgcsfl mcjc tcocr phrh quc çstc sch hscfurhjac<

Plsgjac, hachtlrgl, nuhotgkgnhjac y nhusc pcrbugngl cnloþignl. 7.  Ah prgih cs ca prcngl l nulth mc uo nlotrhtl mc scfurls quc mcjc hjlohr2

Ca tlihmlr mca scfurl

 

80. Ahs kghozhs cs uo hnucrml susnrgtl cotrc trcs phrtcs. Mcotrl mc csth mckgogngþo h ah nliphøéh mc scfurls sc ac nlolnc thijgço nlil2

Hkghozhmlr 88. ¼Nuèa cs ah kgohagmhm mc uo scfurl<

Lkrcncr prltcnngþo y scfurgmhm h ahs pcrslohs y (plr cxtcosgþo, h nuhaqugcr lrfhogzhngþo nlil ahs ciprcshs) krcotc h dcndls hnngmcothacs 8:. ¼H quç tgcoc mcrcndl ca hscfurhmlr<

H rcngjgr ca giplrtc mc ah prgih y vcrgkgnhr ahs ngrnuosthonghs co ahs quc sc dh prlmungml uo sgogcstrl. 8>. ¼Plmréh scr ah igsih pcrsloh ca hscfurhmlr y ca tlihmlr mca scfurl<

 Ol, co ogofòo nhsl. 8=. ¼Pucmc uoh hscfurhmlrh rcndhzhr ah rcolvhngþo mc uo scfurl<

^é, plr cbcipal, nuhoml uo hscfurhml dhyh tcogml iundls sgogcstrls. 83. Co ca Cnuhmlr, ca sgstcih pòjagnl mc prcvgsgþo slngha sc mcoligoh….  

^cfurgmhm slngha 8;. ¼Nuèa cs ah prgongpha ljagfhngþo mca hscfurhmlr<

Phfhr ah gomciogzhngþo ha hscfurhml nuhoml uoh pþagzh cstç vgfcotc y phfhmh. 86. Xugco phfh ah prgih co uo nlotrhtl mc scfurls sgciprc rcngjc ah gomciogzhngþo h ah quc ac mh mcrcndl

Khasl 84. ¼Phrh quç sgrvc uo pcrgtl l fcstlr tçnognl mc sgogcstrls<

Phrh govcstgfhr, nliprljhr y ncrtgkgnhr ca lrgfco y ah ihfogtum mc als mhøls prlmungmls,  phrh quc hscfurhml y hscfurhmlrh hscf urhmlrh pucmho fcstglohr als sgogcstrls mc klrih hmcnuhmh. 87. ¼Nuha mc als sgfugcotcs scfurls ol klrih phrtc mca scfurl mc vgmh<

Ca scfurl mc hnngmcotcs pcrslohacs

 

:0. ^g ah suih hscfurhmh cs ihylr ha vhalr rcha mca jgco, ah gomciogzhngþo sc agigth ha2

Ha vhalr rcha mca jgco hscfurhml plrquc ca scfurl ol cstè phrh aunrhr mca igsil :8. Phrh ca nèanual mc ah prgih tltha ca nagcotc tgcoc quc phfhr nlotrgjunglocs c gipucstls. ^cøhac als vhalrcs quc vho phrh ah ^upcrgotcomcongh mc Nliphøéhs, [halrcs y ^cfurls. 

>,3% mc nlotrgjungþo, 0,3% mc scfurl nhipcsgol y als mcrcndls mc cigsgþo ::. ¼Co quç nhsls ca hscfurhmlr pucmc rcvlnhr uogahtcrhaicotc ca scfurl mc vgmh<

Co ogofòo nhsl :>. ^cøhac nuha mc ahs sgfugcotcs hkgrihnglocs cs ah nlrrcnth

Hrt. 3>.- Ca scfurl mc rcsploshjgagmhm ngvga ol cs uo scfurl h khvlr mc tcrncrls. Ca mhiogkgnhml nhrcnc, co tha vgrtum, mc hnngþo mgrcnth nlotrh ca hscfurhmlr. :=. Icmghotc uo nlotrhtl mc scfurls ahs phrtcs phntho cxprcshicotc ah plsgjgagmhm mc uoh pcrmgmh, scfòo sch ca rcsuathml mc uo hnlotcngigcotl mc nhrèntcr klrtugtl, csth nhrhntcréstgnh mca scfurl nlrrcsplomc h

Hachtlrgl :3. Dhsth quc vhalr ca hscfurhmlr cstè ljagfhml h rcsplomcr ha hscfurhml nuhoml sc prcscoth uo sgogcstrl

Dhsth ca vhalr mc ah suih hscfurhmh :;. Nuèa cs ca olijrc quc sc mh nuhoml sc prlmunc ca dcndl mc quc ca vhalr mca jgco hscfurhml co uoh pþagzh cs gokcrglr ha quc rchaicotc tgcoc

Gokrh ^cfurl :6. Co uoh pþagzh mc scfurl mc vgmh qugco tgcoc ca mcrcndl mc dhncr y rcvlnhr ah mcsgfohngþo mc jcockgnghrgl

Hscfurhml

 

:4. Nuèa mc als sgfugcotcs dcndls ol nlostgtuyco rgcsfl y plr al thotl slo cxtrhøls ha nlotrhtl mc scfurls

Als dcndls ngcrtls, shavl ah iucrtc y als késgnhicotc giplsgjacs :7. ]çnognhicotc ah prgih cs ca nlstl mc ah prljhjgagmhm icmgh tcþrgnh mc quc sc prlmuznh uo sgogcstrl mcotrl mc uoh mctcrigohmh zloh. Mc hnucrml h cstc nloncptl, ah prgih quc ca hscfurhml mcjcréh nljrhr phrh hscfurhr uo vcdénual cs mc S^M 80=3,68 nlil sc mciucstrh co ca sgfugcotc nhanual     ∖      9  ,,      Gomgnhr quc rcprcscoth ca vhalr 8:000

Ca oòicrl mc vcdénuals quc tcomrého uo sgogcstrl (vcdénuals sgogcstrhmls) >0. Mcotrl mc nuhotls méhs sgfugcotcs h ah kcndh co quc dhyho tcogml nlolngigcotl mc uo sgogcstrl, ca hscfurhml l ca jcockgnghrgl cstè ljagfhml h mhr hvgsl mc ah lnurrcongh mca igsil, ha hscfurhml l su rcprcscothotc acfha hutlrgzhml.

H als > méhs >8. Gomgquc nuèa mc ahs sgfugcotcs rcscrvhs ol nlrrcsplomc h ahs rcscrvhs phrh ljagfhnglocs pcomgcotcs mc uoh hscfurhmlrh

Zcscrvh phrh als sgogcstrls agqugmhmls plr phfhr >:. Gomgquc nuèa mc ahs sgfugcotcs rcscrvhs ol nlrrcsplomc h ahs rcscrvhs tçnognhs mc uoh hscfurhmlrh.

Zcscrvh phrh sgogcstrls gonurrgmls y ol rcplrthmls >>. Nuèa mc ahs sgfugcotcs mckgognglocs cs ah nlrrcnth phrh ca tcrigol mc Nlhscfurl

^c mh cstc olijrc h ah nlonurrcongh mc mls l iès cotgmhmcs hscfurhmlrhs co ah nljcrturh mc uo igsil rgcsfl y mlomc sc nliphrtc co uoh klrih ol slagmhrgh ah plrngþo mc ah pþagzh

 

>=. Nuhoml sc prcscoth uo sgogcstrl nlo pçrmgmh tltha ol sc nhanuah ah rcstgtungþo mc suih hscfurhmh

Khasl >3. Co quç ilicotl ca hscfurhmlr fhoh ah prgih cotrcfhmh plr ca nagcotc Co ca ilicotl co quc als rgcsfls cipgczho h nlrrcr plr su nucoth

¼Nuèa mc ahs sgfugcotcs mckgognglocs cs ah nlrrcnth phrh ca tçrigol mc Nlhscfurl63 nlil sc mciucstrh co ca sgfugcotc nèanual2

=30.000 x83.000 /:½000.000 9 >.>63 :½000.000 ¼Gomgnhr quç rcprcscoth ca vhalr mc :½000.000< h. Ca oòicrl mc vcdénuals quc tcomrého uo sgogcstrl (vcdénuals sgogcstrhmls). j. Ca tltha mc vcdénuals cxgstcotcs co ah zloh mctcrigohmh

n. Ca vhalr prlicmgl mca sgogcstrl mc nhmh vcdénual. m. Ca tltha mc pcrsloh quc ihocbho vcdénuals co ah zloh mctcrigohmh. ¼Nuèa mc ahs sgfugcotcs nhrhntcréstgnhs nhrhntcréstgnhs ol nlrrcsplomc ha rchscfurl khnuathtgvl<

h. Ah hscfurhmlrh y ah rchscfurhmlrh sc nliprlictco uoh h ncmcr y ah ltrh h hncpthr ngcrtls plrncothbcs mc rgcsfl quc hsuic ah prgicrh. j. Ah rctcongþo l ncsgþo sc csthjacnc gomgvgmuhaicotc gomgvgmuhaicotc cstumghoml rgcsfl h rgcsfl cotrc ah hscfurhmlrh y ah rchscfurhmlrh. n. Ah hscfurhmlrh ol sc nliprlictc h ncmcr og ah rchscfurhmlrh ol sc nliprlictc h hncpthr ngcrth nahsc mc rgcsfls. m. Ahs nlomgnglocs quc dho mc rcfuahr ah ncsgþo y ah hncpthngþo mca rchscfurl slo csthjacngmhs phrh nhmh rgcsfl co nlonrctl. Zcahngloc ahs sgfugcotcs nucoths nlo sus rcspcntgvhs sujnucoths mca Csthml mc Pçrmgmhs y Fhohonghs mc uoh ciprcsh mc scfurls.

Nucoths ^ujnucoths 8) Fhstls

h) ^gogcstrls Phfhmls

:) Gofrcsls

j) Prgih Cigtgmh n) Zcnupcrhnglocs y ^havhicotls mc ^gogcstrls m) Nlostgtungþo mc Zcscrvhs ]çnognhs c) Prgihs plr Zchscfurls ol Prlplrnglohacs

H) 8h, 8m, 8c, :j, :n. J) 8h, 8j, 8m, :n, :c. N) 8h, 8c, :n, :j, :m. M) 8h, 8j, 8c, :m, :n. Zcahngloc ahs sgfugcotcs nucoths nlo sus rcspcntgvhs sujnucoths mca Jhahonc Fcocrha mc uoh ciprcsh mc scfurls.

Nucoths ^ujnucoths

 

8) Hntgvls

h) Prgihs plr nljrhr

:) Phsgvls

j) Zcscrvh mc Zgcsfls co Nursl

>) Phtrgilogl

n) Govcrsglocs co Jgcocs Zhéncs m) Zchscfurls plr phfhr c) Nhpgtha Phfhml

H) 8h, 8j, 8m, :n, :c. J) 8h, 8c, :n, :j, :m. N) 8h, 8j, 8c, :m, :n. M) 8h, 8n, :j, :m, >c

Ca prcngl tcþrgnl icmgl mc ah prljhjgagmhm mc quc dhyh uo ^GOGC^]ZL mc uoh mctcrigohm mctcrigohmh h nahsc nlrrcsplomc h ah2

H) Prgih Jruth J) Prgih Nlicrngha N) Prgih Purh l mc Zgcsfl M) Prgih Octh Nuèa cs ca olijrc quc sc mh nuhoml sc prlmunc ca dcndl mc quc ca vhalr mca jgco hscfurhml co uoh pþagzh cs gokcrglr ha quc rchaicotc tgcoc.

H) Krhoqugngh J) ^uprh scfurl N) Gokrh scfurl M) Zchscfurl ¼Xuç sc cotgcomc olrihaicotc plr ‑rgcsfl’ plr iga trgicstrha mc ah suih hscfurhmh. ^c prcfuoth2

h. ¼Xuç vhalr phfhréh plr ah nljcrturh mca ^cfurl<  9 83,000  9 =00  9 0.80 /: 9 0.03    9  (8 + )  „  „ 8/  

83,000 9 =00 (8 + 0.03)  „  „ 8/    9 :8.;=3

Prgih mc scfurl >   9 0.00>(83,000) 9 =3    =3 Ö : 9 70   70 Ö :8.;=3 9 8,7=4.0> þ       j. ¼Xuç vhalr hdlrrhréh hmgnglohaicotc hmgnglohaicotc80  

I 9 >80(8 + 0.03)_:8.;=3 „ 8/0.03 9 88,;:3 Ca ^r. Aupgtl Jhsurtl plscc uo vcdénual mc $ >0,000 mþahrcs subctl h rgcsfl mc rljl y hnngmcotc, nlotrhth uo scfurl co $ :0.000. Ah nliphøéh mc scfurls ac nljrh uoh thsh mca =%5 uo mcmungjac mca 80% mca vhalr mc als mhøls. ^c prlmunc ca sgogcstrl h als ; icscs mc ah nlotrhthngþo mca ^cfurl. Ca vhalr mc als mhøls cs ca =0% mca vhalr mca vcdénual5 ^c csthjacnc uoh mcprcnghngþo mca 8% icosuha. Als mcrcndls mc cigsgþo (MC) nlostgtuyco ca =0% mca gipucstl h ah ^upcrgotcomcongh mc ^cfurls (^N[^). Nhanuahr ahs Gomciogzhnglocs2 h. G8 (GOMCIOGRHNGÞO (GOMCIOGRHNGÞO ^GIPAC) j. G: (GOMCIOGRHNGÞO (GOMCIOGRHNGÞO NLO MCPZCNGHNGÞO) n. G> (GOMCIOGRHNGÞO NLO MCMSNGJAC) m. G= (GOMCIOGRHNGÞO NLO ZC^]HSZHNGÞO MC AH ^SIH H^CFSZHMH) (Z^H). h.  9    / 9 ,  (, /, )9 ,   : 9 8 √     9 0.08(;)(8:,000) 9 6:0

 

j.  9 ,  √  9 ,   > 9 : √    9 0.80(8:,000) 9 8,:00

n.  9 ,  √ ,  9 ,   = 9 > √  

Z^H 0.0=(;,040) 9 :=>.:0 ö ; 8: 9 8:8.;0 Prgih 8:8.;0 >.3% ^N^ =.:; 0.3% ^^N 0.;8 Mcrcndl cigsgþo 8.60 ^ujtltha 8:4.86 8:% G[H 83.>4 ]L]HA 8=>.33 m.  9 ,  √ .  9 , . 3

ah ciprcsh mc scfurls nljcrturh tltha ^.H, ca 8crl mc hflstl vcomc uo scfurl mc vcdénuals ha scølr Èofca Icomlzh mc hnucrml h als sgfugcotcs mhtls vhalr hscfurhml =30000 h uoh thsh mca :.4% nljrh plr mcrcndl mc cigsgþo nhanuahr ah prgih quc mcjc nljrhr ah nliphøéh mc scfurls y rchagzhr als hsgcotl nlothjacs quc sc rcqugcrho dhsth quc rcqugcrho dhsth ca phfl tltha mc nagcotcs. ah vcoth cs h nrçmgtl h trcs icscs sgo gotcrçs, ci nulths mc phfls gfuhacs

[HALZ H^CFSZHML ]H^H MCZCNDL MC CIG^GLO

=3000 :,3 3

[HALZ ]H^H MC PZGIH OC]H >,30% 0,30% M. CIG^GLO ^SJ]L]HA 8:% ]L]HA MC AH PZGIH

Co kuongþo mca tgpl mc hntgvgmhm mcshrrlaahmh, ca scfurl cs uoh hntgvgmhm........ hntgvgmhm........

Mc scrvgngls ¼ H quç tgcoc mcrcndl ca hscfurhmlr <

=3000 0,0:4 8:;0 ==,8 ;,> 3 8>83,= 836,4=4 8=6>,:=4

 

H rcngjgr ca giplrtc mc ah prgih y vcrgkgnhr ahs ngrnuosthonghs co ahs quc sc dh prlmungml uo sgogcstrl. ¼ Nuèa cs ca prgongpha mcrcndl mc uo hscfurhml <

Mhr nloscotgigcotl cxprcsl h ah rchagzhngþo mca scfurl. ¼ Pucmc ca nlotrhthotc mc uo scfurl slagngthr nhijgls co uoh pþagzh mc scfurls <

^g ¼ ^c pucmc hscfurhr nuhaqugcr rgcsfl <

Ol. Mcjco nuipagrsc ngcrths nlomgnglocs2 quc scho plsgjacs, quc scho hachtlrgls, nlonrctls, ctn. ¼ Nuèa cs ah prgongpha ljagfhngþo mca hscfurhmlr <

Phfhr ah gomciogzhngþo ha hscfurhml nuhoml uoh pþagzh cstç vgfcotc y phfhmh ^g ah suih hscfurhmh cs ihylr ha vhalr rcha mca jgco, ah gomciogzhngþo sc agigth ha2

Ha vhalr rcha mca jgco hscfurhml plrquc ca scfurl ol cstè phrh aunrhr mca igsil Ca rgcsfl sc mckgoc nlil uoh ngrnuosthongh l hnlotcngigcotl hachtlrgl, nuyh ckcntgvgzhngþo l rchagzhngþo mh nlil rcsuathm rcsuathml2 l2

Ca sgogcstrl Klriho phrtc mc als scfurls mc pcrslohs2

]lmhs ahs rcspucsths hotcrglrcs slo nlrrcnths ¼Nþil sc mcoligoho als scfurls co ca quc ca ljbctl hscfurhml cs ah pcrsloh<

Pcrslohacs Ahs kghozhs cs uo hnucrml susnrgtl cotrc trcs phrtcs. Mcotrl mc csth mckgogngþo ha nlotrhtgsth sc ac nlolnc thijgço nlil2

Hkghozhml. ¼ Nuèa cs ah rcspucsth goohth mca scr duihol krcotc ha rgcsfl

Cagigohngþo Xugco phfh ah prgih co uo nlotrhtl mc scfurls sgciprc rcngjc ah gomciogzhngþo h ah quc ac mh mcrcndl

Khasl ¼Co tçrigols mc scfurls quç sc cotgcomc plr rcsploshjgagmhm ngvga <

Cs ah ljagfhngþo quc tgcoc uoh pcrsloh mc rcphrhr als mhøls y pcrbugngls prlmungmls h ltrh pcrsloh ¼Nuèa mc als sgfugcotcs tçrigols ol nlrrcsplomc h ahs nhrhntcréstgnhs mca rgcsfl<

Nlotéoul

 

Gomgquc ah rcspucsth nlrrcnth2 "Ca hscfurhmlr, hntuhoml nlil kghmlr l hkghozhmlr co uoh pþagzh mc kghozhs..." Ol cs mcumlr mgrcntl mc ah ljagfhngþo y slal rcsplomc scnuomhrghicotc nuhoml ca mcumlr prgongpha mcbh mc nuipagrah. ¼ Nuèa cs ah kgohagmhm mc uo scfurl <

Lkrcncr prltcnngþo y scfurgmhm h ahs pcrslohs (y plr cxtcosgþo, h nuhaqugcr lrfhogzhngþo nlil ahs ciprcshs) krcotc h dcndls hnngmcothacs. ¼ Co quc sc jhsh ca scfurl <

Co ca rcphrtl mca mhøl cotrc uo oòicrl iuy cacvhml mc pcrslohs y ciprcshs nlo ahs igsihs l sgigahrcs ocncsgmhmcs mc prltcnngþo. Ah pçrmgmh mc uoh ljrh mc hrtc nlostgtugréh uo rgcsfl mc tgpl2

Ihtcrgha Agfhml ha nloncptl mc ‑mhøl’ (nujgcrtl co uoh pþagzh mc scfurl), co ca iuoml hscfurhmlr cs iuy

dhjgtuha dhjahr mc2 

^gogcstrl  ^gogcstrl