Hamwe n’ibisabwa bya francise mumasezerano, ubwishingizi bwumutungo wumutungo uhinduka uburyo bwubwishingizi busanzwe kandi umubare wamasezerano uragenda wiyongera kuburyo budasubirwaho. Ubwiza bwubwishingizi bwumutungo hamwe na francise biragaragara kandi bigirira akamaro impande zombi zashyize umukono kumasezerano. Amahirwe yo kutishyura igice cyibyangiritse byatewe, muburyo bwamafaranga, adasubizwa uwagenerwabikorwa kandi akaba atishyuwe numwishingizi, mugihe habaye ikibazo cyubwishingizi - icyo bita francise, mugihe wishingira ibintu byimukanwa nibitimukanwa. , ifite ibyiza byayo. Ku bafite ubwishingizi, kuba mu masezerano y’igabanywa ryateganijwe, rishobora gukurwaho, mu mubare uteganijwe cyangwa ku ijanisha ry’amafaranga y’ubwishingizi cyangwa ku ijanisha ry’ibihombo, ryemerera kuzigama amafaranga iyo utanze politiki. Abagenerwabikorwa babona amahirwe yo kudahagarika hakiri kare umubano wamasezerano kuri politiki yubwishingizi, kubungabunga ubusugire bwubwishingizi bwubwishingizi, no kubyakira mugihe ibyangiritse cyane byangiritse kubintu byagaciro.
Hamwe nigihombo gito, kumafaranga make, yiteguye kwigenga, kubushake bwe kubushake bwe, adasabye indishyi zamafaranga isosiyete. Gutekereza mumasezerano ya actuarial, ijanisha rya francise, itanga amahirwe yo kuba mwirabura kumpande zombi zumubano wamasezerano. Imbere yumutungo udafite agaciro nigihombo cyamafaranga, muburyo bwibyangiritse byoroheje, gushushanya, guturika, igihombo cyatewe namazi yo gushyushya, cyangwa intambwe ya sisitemu yimyanda, biroroshye ko uwishingiwe akemura ibibazo bito wenyine, gusana byoroheje y'umutungo, kuruta kwishora no kwishora mu 'mpapuro', kuzuza ibyangombwa 'ikirundo' mugihe wanditse indishyi z'amafaranga. Uretse ibyo, inzira yimpapuro ubwayo irashobora gusaba ibiciro bitaziguye, birenze ubwinshi bwibyangiritse, wongeyeho igihe, imbaraga, n '' imitsi 'bidakwiye. Kugirango ugaragaze imikorere ya francise kubwishingizi hamwe naba nyirubwite, ubwinshi bwemejwe bugomba kurenga umubare wibuze byibuze byashoboka kandi bigahaza impande zombi zagiranye amasezerano. Kubwoko, usibye kugabanywa kubintu bisabwa, imitungo ikora, ubundi buryo bukoreshwa - nta shiti, by'agateganyo, imbaraga, ishingiro ryayo ni amasezerano yo kwishyura. Niba mumasezerano yubwishingizi bwumutungo hamwe byemejwe byemewe, ijanisha ryibyangiritse nigipimo ntarengwa ntarengwa, giteganijwe mumasezerano, nibyingenzi byingenzi.
Iyo bigaragarira mu masezerano yubwishingizi - kugabanywa bidasubirwaho, bivuze ko ibintu byifashe mugihe umubare wibyangiritse byumutungo udatangirwa ingurane numwishingizi kandi bigakurwa mubarwa niba igihombo kitarenze umubare waciwe, bityo rero ntasubizwe nyirubwite. Kuzirikana mumasezerano yubwishingizi bwumutungo - byemezwa byigihe gito, bisobanura ibihe aho igihombo gishobora kuba nyirubwite gifite agaciro mugihe runaka kumatariki yigihe cyagenwe cyo kugabanywa. Niba hamwe n'igabanywa ry'agateganyo, itariki ntarengwa y'ibikorwa by'ubwishingizi yarangiye, noneho indishyi z'ubwishingizi ntizemewe kandi ntizishyuwe. Umubare wubwishingizi bwimitungo ikurwaho biterwa nibintu bimwe kandi birashobora gutandukana. Ingano y’ibyangiritse idatangirwa indishyi iratandukanye kandi yigaragaza mu masosiyete atandukanye y’ubwishingizi mu buryo butandukanye, urugero, mu gikorwa cy’ubwishingizi bwa mbere, ijana ku ijana yishyurwa, noneho umubare w’ubwishyu ugabanukaho 20% cyangwa arenga. Inyungu yubwishingizi bwumutungo hamwe na francise ifite ishingiro ridasobanutse kandi ridasubirwaho, ryashizweho kugirango harebwe umutekano w’umutekano w’umutungo w’abantu ku giti cyabo n’ibigo byemewe n'amategeko, ku mafaranga runaka. Gukoresha uburyo bwa francise yubwishingizi butanga amahirwe yo kugabanya ibiciro byuwishingiwe no kuzigama uwagenerwabikorwa yishyuye amafaranga yibihombo.